Bendigo Ready Credit Card

Bendigo Ready Credit Card

Balance transfer

N/A

Purchase rate

19.99% p.a. ongoing

Interest-free days

Up to 55 days on purchases

Annual fee

$0.00 p.a. ongoing

Highlights

  • No international transaction fees, making it ideal for overseas and online spending.
  • Get up to 90 days of international travel insurance.
  • Includes extended warranty coverage on eligible purchases.
  • Plus a 90-day purchase protection against theft or accidental damage.

Pros and cons

Pros

  • A $0 annual fee keeps costs low and makes the card budget-friendly.
  • No additional cardholder fee.
  • Includes fraud monitoring and ensures you won't be held responsible for unauthorized transactions.
  • Access Mastercard Priceless® Cities for exclusive experiences and special offers.
  • The credit limit starts at $3,000, giving you flexibility for larger purchases.
  • Compatible with Apple Pay, Fitbit Pay, Garmin Pay, Google Pay, and Samsung Pay,

Cons

  • There is no introductory Balance Transfer offer at the moment.
  • No rewards might seem limiting, but it's ideal for those who prefer simplicity over extras

About this credit card

Basics

Card usage

Apple Pay Enabled
Yes
Card Type
Mastercard
Gambling Transactions Allowed
No
Samsung Pay Enabled
Yes

Eligibility

Joint Application Accepted
No
Minimum Age
18 years
Minimum Credit Rating
Good
Minimum Income
N/A
Temporary Residents Accepted
No

Additional cardholders

Additional Cardholders
9
Additional Card Fee Ongoing
$0.00

Credit limits

Minimum Credit Limit
$3,000.00
Maximum Credit Limit
$50,000.00

Repayments

Interest Charged From
Statement date
Interest Free Period
Up to 55 days on purchases
Minimum Repayment Percentage
3%

Balance transfers

Balance transfer offer

Balance Transfer Rate
19.99%
Balance Transfer Period
N/A
Balance Transfer Fee Percentage
N/A

Balance transfer conditions

Balance Transfer From Personal Loan
N/A
Balance Transfer Limit Percentage
N/A
Balance Transfer Revert Rate
N/A

Rates, fees, charges

Cash advances

Cash Advance Rate
19.99% p.a.
Cash Advance Fee
$3.00
Cash Advance Fee Percentage
3%
Cash Advance Fee Threshold
N/A

Purchases

Purchase Rate Introductory Offer
N/A
Purchase Rate Introductory Period
N/A
Purchase Rate Ongoing
19.99% p.a.

Account fees

Annual Fee Initial Year
N/A
Annual Fee Ongoing
$0.00
Dishonour Fee
$40.00
Duplicate Statement Fee
$5.00
Foreign Exchange Fee Percentage
0%
Late Payment Fee
$15.00

Rewards

Rewards program basics

Rewards Program
N/A
Rewards Program Annual Fee Initial Year
N/A
Rewards Points Expiry
N/A

Rewards points per $1 spent

Domestic Rewards Points Earn Rate
N/A
Government Rewards Points Earn Rate
N/A
Overseas Rewards Points Earn Rate
N/A

Additional perks

Insurance

Cardholder's Domestic Hotel Burglary Insurance
No
Cardholder's Extended Warranty Insurance
Yes
Cardholder's International Travel Insurance
Yes
Cardholder's Interstate Flight Inconvenience
Yes
Cardholder's Personal Item Theft Cover
No
Cardholder's Price Protection Insurance
No
Cardholder's Purchase Protection Insurance
Yes
Cardholder's Refund Protection
No
Cardholder's Transport Accident Insurance
Yes

Travel and lifestyle

Airport Lounge Access Included
No
Concierge Service Included
No
Complimentary Flight Voucher Included
No
Complimentary QFF Membership Included
No

History

    User reviews

    Convenience

    Customer service

    Rates and fees

    Rewards

    Trust

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    As seen on

    Media - The Sydney Morning Herald
    Media - Yahoo Finance
    Media - News.com.au
    Media - Daily Mail Australia
    Media - Australian Fintech
    Media - Dynamic Business