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Bendigo Bank - Ready Credit Card - $0 Annual Fee, 0% International Fee, Travel Insurance

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Bendigo Bank - Ready Credit Card - $0 Annual Fee, 0% International Fee, Travel Insurance
Go to Deal
E5TOQUE on 06/12/2023 - 16:40 bendigobank.com.au (5102 clicks)
Last edited 07/12/2023 - 09:25

Bendigo Bank Ready Credit Card

This is a repost from the original deal here:
https://www.ozbargain.com.au/node/742184/

Remember OzBargain has their Wiki here for all cards similar to Bendigo Bank's Ready Credit Card.
https://www.ozbargain.com.au/wiki/cards_with_no_overseas_tra…

This card could be good for people looking to go on overseas holidays over the xmas/ new year period and beyond.
It has some advantages other cards don't have like a lower minimum credit limit, joint accounts and travel insurance.

Joint Accounts Available

Bendigo Bank support joint credit card holders.
Joint account means the credit facility is opened under two peoples names. Not many banks offer this on credit cards.
https://www.finder.com.au/joint-account-credit-cards

Other features

  • Uses the Mastercard Exchange Rate (https://www.mastercard.us/en-us/personal/get-support/convert…)
  • 0% International Fee
  • $0 Yearly Fee
  • Joint accounts available (you apparently need to go into a branch to set this up)
  • $0 Additional Card Holder Fee
  • 90 Days Travel Insurance (inc cancellation cover)
  • Extended Warranty on purchases
  • Purchase Protection on purchases
  • $3000 minimum credit limit

Bendigo Bank is also considered an 'ethical bank' with no investments in fossil fuel's according to Market Force:
https://www.marketforces.org.au/info/compare-bank-table/

Enjoy.

Financial Credit Card Insurance MasterCard Travel Insurance

Related Stores

Bendigo Bank
Bendigo Bank
MasterCard AU
MasterCard AU
Marketplace

Comments

    • E5TOQUE on 07/12/2023 - 09:23
      +2

      Read the OP.
      They use the Mastercard Exchange rate. Its pretty close to the real exchange rate.

  • Jared17 on 07/12/2023 - 09:41

    Now that my go to card for atm and purchase while overseas, the Citibank debit card is going to be discontinued, Im lookinh for something similar.

    If I'm only looking at debit cards only with no credit card application needed
    Is the ing card the closest? Or the Macquarie one?

    • ozchobie on 08/12/2023 - 09:50

      ING is good however, you have to meet their requirements to get the monthly advantages. If you can do this then yes it still is the best. Ubank is my preferred now for less hoops after I cancelled my citibank. It has a great app and good interest rates for savings.

      • 1bargain on 08/12/2023 - 09:55
        +1

        Have you looked at the Nab Classic which is being set up for Citibank transfer? Doesn’t it have no foreign transaction fee and a few things from the old Citi account? Wouldn’t it be good to keep as there’s no fee anyway?

        I long to have a Citibank for traveling and only set up in May this year and got to use it first time and last time. What a shame. But I thought the new account will be grandfathered?

        • ozchobie on 08/12/2023 - 09:59

          I have nab debit just for my extra shopback rewards already. I only signed up recently. I have too many bank accounts already so I find something that has extra pros for me like good interest rates which ING and ubank has. Also their apps are really good. I found the apps for other banks like Citibank and HSBC were really badly designed.

          • ozchobie on 08/12/2023 - 16:06

            @ozchobie: Oh my bad. I thought I have NAB, it’s the westpac debit card that I have sorry.

        • Jared17 on 22/01/2024 - 11:27

          The thing is nab doesn’t have atm overseas if I’m not wrong

      • Jared17 on 22/01/2024 - 11:27

        Yeah ING was my second option but the conditions are a hassle. Thanks for the suggestion though

  • iJeff on 07/12/2023 - 10:42

    Can anyone comment on the transaction settlement date on Bendigo Bank transactions? With Macquarie and ubank the transaction posts on the same date it was made which makes finding a past transaction on a statement quite easy.

    I ditched ING because the dates on transactions were all over the place and made accounting very difficult.

    • goodfella on 07/12/2023 - 11:12

      Just went to one of my Bendigo CC transactions and it has Paid on 25/11/23 and Processed on 29/11/23 in the transaction details screen

  • Ryansta on 07/12/2023 - 11:36

    How good is this for travel insurance? We always get travel insurance from a third party, seems wasteful after seeing its included.

    There is quite a bit of talk about using an ATM, does this Bendigo CC charge for using an ATM or is it only if there is a charge from the ATM owner fees?

    • ozchobie on 08/12/2023 - 09:51

      This is a credit card. ATM withdrawals will be charged as cash advance and are always expensive. Get a debit card like ING or ubank for atm withdrawals. Allianz Global provides the insurance.

    • R-Man on 27/12/2023 - 13:30

      Please never use a credit card for ATM withdrawals, both here and overseas

  • raspudala on 07/12/2023 - 14:18

    Bankwest Mastercard Platinum travel insurance doesn't include cover for cancellations (you need to pay for upgrade), so this looks like a better deal considering all other things are the same?

    • ozchobie on 08/12/2023 - 09:52

      Correct. I did mention this in my comment above among the major differences.

  • seug123 on 07/12/2023 - 18:54

    No COVID-19 cover

  • AR-MEL on 07/12/2023 - 19:12

    I have issues with the verification process because of name length and eventually rejected. Went directly to Bending bank, they gave me a paper form. I thought they would just verify my ID and complete the same form. But no.

    Checking the comments and tried Bankwest, same result.

    Any other bank offers similar Credit cards?

  • jedimaster on 08/12/2023 - 00:09

    Can anyone recommend a fee free debit card for withdrawals in Europe? Have citibank but not sure how it will be after NAB takeover.

    • ozchobie on 08/12/2023 - 09:52

      Ubank

    • R-Man on 27/12/2023 - 13:31

      Up

      And never accept the ATMs conversion rate, you can tap decline and still get money out @ your bank's conversion rate

  • goranoh on 08/12/2023 - 02:49
    +1

    @jedimaster UP bank

  • KaitoKid1412 on 08/12/2023 - 09:07

    Are there many international travel opportunities where the $500 minimum spend per person would be difficult to hit? With the cheapest tickets somewhere overseas ($250 return?) and a few nights of accommodation, that should do it right?

    • jayzee on 08/12/2023 - 18:21

      mainly to avoid the international transaction fee, which is usually 3% of the purchased value, it's $30 for $1000 foreign purchase, quite a stink to OzBargain community.

  • KanTakahashi on 08/12/2023 - 12:51

    Not sure should i ditch ANZ Rewards Travel Adventures Card for this one 🤔

    • StingyGeek on 08/12/2023 - 15:29
      +1

      I switched from an ANZ rewards card to The Ultimate. Card from CommBank.
      https://www.commbank.com.au/credit-cards/ultimate.html

      Three reasons to switch.
      1) Higher points earning rate, and the points themselves are worth more than ANZ points.
      2) No annual fee. As long as you spend 4K per month on the card, and pay the balance off each month.
      3) Free and Discount lounge access.

  • brifog on 09/01/2024 - 17:23

    Wouldnt recommend this mob. Put in an application and got a call requesting payslips without blacked out information. Only stuff i had blacked out was irrelevant information such as annual leave balance and super contributions. Have done the same with various other institutions such as Amex, citi with zero issues so quite embarrasing that their "processes" require this information. Withdrew my application and going to go with the Bankwest card instead.

  • JohnB100 on 08/03/2024 - 16:16

    Major negative from my end. I opened the card, only to find out you are required to come to one of their branches IN PERSON to set up a direct debit.

    Will likely cancel the card again.

    • evgpek on 08/03/2024 - 16:19

      Direct debit to pay external invoices or for a credit card bill?

      • JohnB100 on 08/03/2024 - 16:19

        To pay off the credit card each month

      • rk7 on 08/03/2024 - 16:21

        I assume you can pay credit card balance using BSB transfer.

        • JohnB100 on 08/03/2024 - 16:22

          Yes but that's a manual process each month. DD is set and forget.

    • YesPleaseThankYou on 08/03/2024 - 18:50
      +1

      You will cancel for something as simple as that?

      The Bendigo Bank website suggests that DD can be established over the phone:

      Set up a direct debit
      Set up an automatic direct debit from your transaction account. Call 1300 236 344, or contact your nearest Bendigo Bank branch to find out how.

      Source: https://www.bendigobank.com.au/personal/credit-cards/my-card…

      • JohnB100 on 08/03/2024 - 19:20

        Thanks. I did call the call centre. Got through after 2h wait. Was told to contact my branch. Took me 2 weeks to finally get hold of them since they don't really answer their phone. Was then told I needed to attend in person as they need to witness me signing the DD form. I asked for alternatives, there were none.

        • YesPleaseThankYou on 08/03/2024 - 22:33

          Go through the Bendigo Bank complaints process, pointing them to the instructions on their own website.

  • chossenger on 22/03/2024 - 11:54

    Anyone actually done a joint application?
    I can't see anything on Bendigo's site or terms specifying that it's available, and even the linked Finder page doesn't include it (if you drill down to this card's page, it specifies "No" on joint applications)

    • goodfella on 22/03/2024 - 13:20

      I did. A bit of pain in the ass, only through a paper-base form via branch, but once you've got it approved, then it's relatively smooth sailing from there (considering it's old-fashioned Bendigo). PM if you need more details.

  • rollsroy on 29/04/2024 - 14:00

    Does the insurance cover additional cardholders (aside from the primary)? The T&Cs aren't clear

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