Bankwest and Bendigo Bank are going head-to-head for a spot in the wallets of budget-conscious Australians looking for a no-frills credit card with minimal fees. Both cards appeal to those who prefer to keep things simple—no rewards, no interest-free tricks, just a solid, low-cost credit card for everyday use.
So how does the Bankwest Zero Mastercard stack up against the Bendigo Ready Credit Card? Use this side-by-side comparison of fees, rates, and features to see which low-cost card is the better choice for your needs.
 Not available for application via this website |  Not available for application via this website |
|---|---|
| Basics | |
| Description | |
| N/A | N/A |
| Additional Cardholders | |
| 3 | 9 |
| Apple Pay Enabled | |
| Yes | Yes |
| Card Type | |
| Mastercard | Mastercard |
| Google Pay Enabled | |
| Yes | Yes |
| Minimum Credit Limit | |
| $1,000.00 | $3,000.00 |
| Maximum Credit Limit | |
| N/A | $50,000.00 |
| Rates | |
| Cash Advance Rate | |
| 21.99% p.a. | 19.99% p.a. |
| Cash Advance Fee | |
| $4.00 | $3.00 |
| Purchase Rate Ongoing | |
| 18.99% p.a. | 19.99% p.a. |
| Fees | |
| Annual Fee Ongoing | |
| $0.00 | $0.00 |
| Foreign Exchange Fee | |
| $2.95 | $0.00 |
| Late Payment Fee | |
| $25.00 | $15.00 |
| Overseas ATM Withdrawal Fee | |
| $4.00 | N/A |
| Eligibility | |
| Minimum Age | |
| 18 years | 18 years |
| Minimum Credit Rating | |
| Below Average, Fair, Good, Very Good, Excellent | Good |
| Minimum Income | |
| N/A | N/A |
| Temporary Residents Accepted | |
| No | No |
