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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
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E5TOQUE on 06/12/2023 - 16:40 bendigobank.com.au (12206 clicks)
Last edited 10/07/2024 - 22:35

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

BSB/Account Number linked to the card

Which enables you to send fast payments directly onto the card. No need to send money in via BPAY.
Not all banks support sending fast payments via BSB/Account No, so you will need to check with your respective bank.

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

        • Dr Phil on 10/09/2024 - 09:39
          -1

          I would describe them as very "Conservative"

  • wxwsf on 04/09/2024 - 19:19

    no update from Bendigo bank for a month saying the application is in the queue, went to Bankwest approval less than 24hrs and card is on the way.

    eligable for credit limit from 6k to 25k, picked 6k only for holiday spend

  • Manazuru on 05/09/2024 - 08:37

    Curious to know if there are any other similar 0% International Fee CC's out there which allow a $2-3K credit limit with no sign-up fee? I certainly can't find any. I don't know if it's worth my time applying if I'm going to be rejected. Credit rating is excellent. However, already have another CC (points earning) and large mortgage. I think I'll probably get rejected by their cautious systems…

    • Dr Phil on 05/09/2024 - 09:50

      Apply via a branch.
      Call and ask them to send you an application form.
      Do everything via branch
      Dont apply online

  • ClintonL on 05/09/2024 - 10:00

    Just wondering if you get rejected will it be recorded on your credit rating as an enquiry?

    • timhn on 05/09/2024 - 12:40

      Yes

  • yycan on 05/09/2024 - 17:39
    +7

    Applied on 9 August and got approved on 5 September (4 weeks), data point for anyone waiting.

    • thangcuoi on 05/09/2024 - 17:52

      In store or online?

      • yycan on 05/09/2024 - 20:33
        +1

        Online

    • Manazuru on 06/09/2024 - 07:19

      Wow they're really under the pump. As someone said it's the hordes of Lattitude finance customers moving over to this CC as Latitude now charge a monthly fee (from 17/9) for their no international fee CC. Give it time and BB will probably do the same…

      To those who don't desperately need this card, maybe just wait for things to cool down in a couple of months.

  • cocomelon on 05/09/2024 - 17:50

    is there minimun spending to activate travel insurance coverage?

    • Dr Phil on 01/10/2024 - 07:42

      The usual $500 per person

  • N1902 on 06/09/2024 - 17:25

    Unfortunately my Bendigo easy credit card application was rejected via the branch, as they feel i dont qualify for it as i have 4 home loans :) most of the homes are positively geared, even showing fixed assets and cash in the bank didnt help me get the easy credit card, For now im gonna try my luck with Bankwest Breeze platinum Mstrcard .
    I have a Citi premier mastercard which has a limit of 10k, im gonna reduce that limit to 5k and then apply to Bankwest.

    • Dr Phil on 01/10/2024 - 07:47
      -1

      A couple of issues with your action plan

      1. Bendigo take the full repayment amount for each home loan into account regardless of fixed assets and cash in bank.
      2. Your City Premier card may have a 10K minimum limit so check on that
      3. Bankwest Breeze Platinum is not free - $59/yr which is cheap anyway
  • derweep on 10/09/2024 - 14:46

    Just got rejected with the applications after submitting all they asked for. Still don't get it, do I need to cancel my 28 degrees card before applying for another to be more eligible? I was thinking of keeping it just in case I get rejected and have nothing to use or have to reapply again.

    • thangcuoi on 10/09/2024 - 16:08

      Try applying in the branch. Go with Bankwest if you get rejected. There's no reason to stay with 28 Degrees. They obviously don't want us as customers.

      • derweep on 10/09/2024 - 18:12

        Thanks bud, I was thinking of going to bankwest but afraid that might get rejected again. They were querying about the 28 degree card, and my other loans and cc so might be that. Not sure whether bankwest is super hard on their application process or not. Nice username btw.

        • thangcuoi on 12/09/2024 - 13:43

          I dropped off the application in the branch yesterday. Received the rejection today. They should receive credit for the quick turn around and personal service.

          After 3 failed attempts and many hours wasted, I'm not likely to apply for their credit card again unless they run some kind of free money/points promo.

          • derweep on 12/09/2024 - 14:57
            +1

            @thangcuoi: yeah that sux, i gave up after getting the whole lots of stuff they asked for and submitting it only finding out couple of hours later of a rejection. On the bight side, I didn't cancel my 28 degree card and now they're giving 12 months fee free. Hopefully will reapply with bendigo next time and see.

            • jaysee-teh on 23/09/2024 - 14:27

              @derweep: how did you get the 12 months fee free after the 17 sep 2024 period ?

              • derweep on 24/09/2024 - 00:50
                +1

                @jaysee-teh: I don't know mate, I didn't cancel my card as I said and had a sms message a couple of weeks later saying 28degree is waiving fee for 12 months. I had this card for a while now, so maybe only targeting the people who's been with them a while??

                • jaysee-teh on 24/09/2024 - 09:41
                  +1

                  @derweep: thanks for your information.
                  it seems that they selectively give people 1 year fee waiver and you are the lucky one

  • AndyRates on 12/09/2024 - 13:38

    Anyone got their Bendigo card approved and how long did it take?

    • d1000 on 17/09/2024 - 10:59

      I applied on 13 August and still waiting…online sounds like it would've been better going into a branch first

      • Vavoom on 17/09/2024 - 11:13
        +1

        18 August here and still waiting too.

      • abacus on 04/12/2024 - 21:22

        About the same. They sms every month to say I'm going up the queue. They had thousands of applications because of 28° closures.

  • chuckbass on 23/09/2024 - 12:40
    +1

    It would appear that they're advocating for you to close your latitude account before they'll approve your bendigo application…

    Good Afternoon XXX,

    We are pleased to advise that you credit card application has been approved, on the condition of closure of your latitude facility.

    Upon receipt of confirmation, of the closure of your Latitude facility we will then fund and send your new Bendigo Bank credit card.

    Please note the closure confirmation email from Latitude must include your name and last 4 digits of your account/card number. Please reply to this email attaching a copy of your proof of closure from Latitude.

    If you are wishing to maintain your current latitude facility, please let us know by replying to this email and we will forward your application for further assessment. Please keep in mind our current turnaround times due to the high volumes of applications at present.

    • E5TOQUE on 23/09/2024 - 14:03

      To me it reads like that you won't meet their lending criteria if you have both the Latitude and Bendigo Bank credit cards open.
      Closing the Latitude card down would mean you have less credit available to you, and therefore meet then lending criteria to issue you the card.

      People who apply for mortgages/car loans etc go through this all the time.
      Access to too much credit (Credit Cards, Loans, Afterpay, Mortgages), etc is seen as a risk and the bank is only willing to take on x amount of risk.

      Best talk directly with them to confirm. I'm only guessing here.

    • apu on 25/09/2024 - 16:41

      Got the same, it was strange as I didn't bother disclosing my latitude card's existence on the application. Took ages to get approved. Maybe 5 - 6 weeks.

  • pineapple12 on 24/09/2024 - 13:47

    Has anyone actually got their card yet?
    Applied in August and received a text in September that it has been approved. I thought this would be enough time given that I am travelling in about a month now! Maybe not!
    Then I received this message shortly after my application:

    Hi, with the unprecedented increase in applications over the last 3/4 weeks, application progression has slowed considerably. Your recent Bendigo Bank credit card application is maintaining position in the queue, and we are working hard to get back to you and will endeavour to keep you informed of your progress. No SMS reply available

    • muncan on 25/09/2024 - 08:08
      +1

      Nup.
      To me they appear to be an SMS company only.

      SMS 4/9/24:

      Hi, with the unprecedented increase in applications over the last 2/3 weeks, application progression has slowed considerably. Your recent Bendigo Bank credit card application is maintaining position in the queue, and we are working hard to get back to you and will endeavour to keep you informed of your progress. No SMS reply available

      SMS 17/9/24:

      Hi, Your recent Bendigo Bank credit card application is maintaining position in the queue, and we are working hard to get back to you. The number of applications received recently, has far exceeded our capacity to process them in our usual timely manner and processing times are quite extensive. We will endeavour to keep you informed of your progress. No SMS reply available

      SMS 24/9/24 (yesterday):

      Hi, your recent Bendigo Bank credit card application has progressed in the queue. We are working hard to get back to you as soon as we can and will endeavour to keep you informed of your progress. No SMS reply available.

      • Vavoom on 25/09/2024 - 12:01

        Got another one just then, slowly progressing through the queue etc etc.

        • timhn on 25/09/2024 - 13:50

          yep, got one yesterday that my application has progressed in the queue. At least, that's better than maintaining in same spot in the queue , LOL.

          • pineapple12 on 30/09/2024 - 09:09

            @timhn: Yeah got that one too. I didn’t think it would take this long since I own other credit cards too !

            Tried ringing them up and was on hold for 30 mins…

            • timhn on 01/10/2024 - 15:37

              @pineapple12: Now just received a SMS that my application has slowly progressing in the queue !!!

              The approval team from Bendigo is unbelievable.

              • pineapple12 on 01/10/2024 - 16:27

                @timhn: I got this message last Wednesday.
                Hi, Your recent Bendigo Bank credit card application is maintaining position in the queue, and we are working hard to get back to you. The number of applications received recently, has far exceeded our capacity to process them in our usual timely manner and processing times are quite extensive. We will endeavour to keep you informed of your progress. No SMS reply available

                I do not believe they are ‘working hard’ seems like a load of BS with all the documents I have given them, and above average salary !!!

                I might try going into a physical branch and seeing if that will speed up the process. The only reason I applied for this card is the 0% international fee which is far better than my Amex. But since I am going overseas in 3 weeks I do not think I will get the card in time.

                • Dr Phil on 03/10/2024 - 15:29
                  -1

                  @pineapple12: Bendigo bank has one loans manager at each branch that assesses all loans and credit card applications

                  They are also pedantic about dotting the Is and crossing the Ts and getting information overload on every loan and credit card application.

                  Then you have a mass movement of people migrating from Latitude because of the new monthly fees and less features.

                  Add those like myself moving across from BankWest because they have removed the free insurances from thier BankWest Zero (no annual fee) Platinum Mastercard Credit card leaving it completely stripped of any Platinum Features.

                  So what did you expenct with this onslaught of applicants and only one loans officer for each branch?

                  • Dr Phil on 03/10/2024 - 16:01
                    -3

                    @Dr Phil: Here we go again

                    Another fool that has NO IDEA and neg voting the FACTS!

                    If you are unhappy about the facts DONT BLAME ME!

                    As they say DONT SHOOT THE MESSENGER

  • Captain Hindsight on 01/10/2024 - 10:50
    +1

    So slow - Lodged date:Mon, 12 Aug 2024

    currently Provisionally Approved

    • E5TOQUE on 01/10/2024 - 19:30
      +1

      Absolutely huge numbers of customers leaving Latitude 28 Degress and Bankwest Zero Platinum cards to go to Bendigo Bank.
      If both of these didn't have T&C changes occur at the same time it would likely have meant much quicker processing times.

      • Captain Hindsight on 01/10/2024 - 19:42

        Isn’t Bankwest still free?

        • E5TOQUE on 02/10/2024 - 10:18
          +1

          It's free, but they removed their included insurances last month.

          Bendigo Bank Ready seems to be the only credit card that has zero fees, no international fee and included insurance.

          • Dr Phil on 03/10/2024 - 15:51
            -3

            @E5TOQUE: There are quite a few matercard and Visa debit cards that have no foreign exchange fees.
            Some like Macquarie even have some free basic insurnaces but not free travel insurance.

            So if you can get away with no annual fee and free insurances included and use your "no foreign exchange fee" debit card overseas then thats one way around this.

            HSBC is one bank that offers the ability to have both of these…
            Their amazing Premier Global mastercard (subject to high qualification standards) has everything you want including points for no annual fee but charges 3% foreign excghange fee. See here: https://www.hsbc.com.au/credit-cards/products/premier/

            But HSBC also offers a Global Visa debit card that has no foreign exchange fees.
            See here: https://www.hsbc.com.au/accounts/products/everyday-global/

            So you can pair both of the and have the best of all worlds.

            They dont have to be with the same bank

            Here is another credit card from BankVic that has NO annual fee and Complimentary travel insurance but charges 2% foreign exchange fee. It also earns Qantas FF points and much easier qualification process than HSBC Premier Global Mastercard
            https://www.bankvic.com.au/banking?filter=Credit-Card&produc…
            https://www.bankvic.com.au/complimentary-travel-insurance
            Just pair it up and a No foreign exchange fee debit card.
            There are plenty of then linked to the best savings and transaction accounts in Australia
            For that I recommend the Macquarie Bank Platinum Transaction account which comes with a Platinum Mastercard debit card
            See here: https://www.macquarie.com.au/everyday-banking/transaction-ac…

            • zcream on 04/06/2025 - 18:04

              @Dr Phil: BankVic Qantas Visa is only for Police members.

          • Dr Phil on 03/10/2024 - 23:20

            @E5TOQUE: But the Bendigo bank ready credit card has NO REWARDS PROGRAM either
            Unless you want to pay $89 or $149 for Bendigo's rewards credit cards
            Many people prefer to have "rewards" in lieu of free foreign transactions.
            Especially when the credit card is FREE!

            FREE debit cards with no foreign exchange fees are a dime a dozen

            But a free credit cards with complimentary travel insurnace and more are hard to come by.
            And only the 2 that I mentioned with rewards programs included as well!!!!!

    • danzha on 11/10/2024 - 14:27

      Delayed response, but you might be gladdened to know that I took a call from one of the Bendigo Bank staff yesterday.

      They advised me that there's a significant backlog and they're currently working through applications from 14 August, so hopefully not too much longer for your application!

  • danzha on 11/10/2024 - 14:26

    I'm another Latitude 28 Degrees refugee that applied for this card over the weekend.

    Took a call from one of the Bendigo Bank staff and on the call they advised me that there's a significant backlog and they're currently working through applications from 14 August, and that it would likely be another month or so before my application would get assessed.

    Suggest others who may be applying for this card to look at other alternatives if you have a pressing need for a credit card (e.g. upcoming overseas travel plans).

    • Captain Hindsight on 11/10/2024 - 15:37
      +3

      I think they might be exaggerating saying 14th of August. We’re still waiting and I applied on the 12th.

      • Vavoom on 12/10/2024 - 10:55
        +2

        Yup still waiting here from 18 August. Don't think it'll arrive by the time I have to fly on the 23rd of October. It has been almost two months.

        • timhn on 12/10/2024 - 16:35

          Same here. Applied on 17th and still waiting. Last SMS from them was that my application is "progress slowly". With this rate, hope they'll get to my application by Dec because i will travel in Jan !!!

        • Vavoom on 21/10/2024 - 16:54

          Just an update on this, just got provisionally approved today 21 Oct. Much too late for my trip in two days but I guess that'll be my online international transaction card from now on.
          Meanwhile, Up got my business

          • timhn on 22/10/2024 - 14:23
            +1

            @Vavoom: I heard that you can add it to your Google/Apple wallet before the physical card arrived - provided after they fully approved you of course, may be in a day or two.

            • Vavoom on 22/10/2024 - 14:24

              @timhn: Thanks for that. I just checked and yep, I can add the digital card to my Apple wallet so that helps.

    • Dr Phil on 13/10/2024 - 20:21
      -4

      If you are looking for other credit cards with no annual fee and free insurances included and are prepared to use your "no foreign exchange fee" debit card overseas then here are 2 alternatives.

      The HSBC Premier Global mastercard (subject to high qualification standards) has everything you want including rewards points for no annual fee but charges the std 3% foreign exchange fee.
      See here: https://www.hsbc.com.au/credit-cards/products/premier/

      Alternatively the BankVic Qantas Visa credit card also has NO annual fee and Complimentary travel insurance but charges 2% foreign exchange fee. It also earns Qantas FF points and much easier qualification process than HSBC Premier Global Mastercard.
      NB: You dont have to be a member of The Police Association of Victoria (TPAV) and the Victorian Ambulance Union (VAU)
      In this case you can pay $10 to buy shares in the bank and I suggest you select "Public Service" from the list of categories in the drop down box.
      https://www.bankvic.com.au/banking?filter=Credit-Card&produc…
      https://www.bankvic.com.au/complimentary-travel-insurance

      • YesPleaseThankYou on 14/10/2024 - 18:02
        +1

        NB: You dont have to be a member of The Police Association of Victoria (TPAV) and the Victorian Ambulance Union (VAU)

        That's contrary to what the BankVic site says.

        BankVic membership is open to police, emergency and health workers, government department employees, and immediate family of current members.

        Source: https://www.bankvic.com.au/get-help/faq

        In this case you can pay $10 to buy shares in the bank and I suggest you select "Public Service" from the list of categories in the drop down box.

        Are you suggesting that people do that even where they are not in the Public Service (APS or State Govt)?

        • Dr Phil on 15/10/2024 - 08:30
          -1

          You answered your own question

          As you know OBers are experts at such money saving hacks

          Cheers

          • YesPleaseThankYou on 15/10/2024 - 08:32
            +1

            @Dr Phil:

            You answered your own question

            You're suggesting that people give fraudulent answers to a financial institution.

            That's a good way to get your accounts locked.

            • Dr Phil on 15/10/2024 - 08:35
              -1

              @YesPleaseThankYou: I just went through the application process and must be a member of The Police Association of Victoria (TPAV) or the Victorian Ambulance Union (VAU)

              Sorry about that

  • Captain Hindsight on 21/10/2024 - 17:21

    Decided to apply for Bankwest zero as well, applied Friday 18th October, approved and card on the way today. Wife still waiting for Bendigo applied August 12.

    • Dr Phil on 29/10/2024 - 08:17

      Chalk and cheese..

      BankWest Zero Mastercard no longer has any INSURANCES. They have all been removed.

      All you get is the fee-free foreign exchange transactions and ATM withdrawals.
      Which you get as standard with any non-major bank debit cards anyway (including the Bankwest Mastercard debit card)

      If you want complimentary travel insurance with Bankwest you need the Bankwest Breeze Platinum Mastercard @ $59 annual fee
      But that still works our much cheaper than buying travel insurance.

      • Captain Hindsight on 29/10/2024 - 09:12

        Fortunately I have another no annual fee card that provides all that plus lounge access. Plus it earns points when I book so never use travel card for that.

        • Dr Phil on 31/10/2024 - 17:17
          -1

          Yep. me too….The HSBC Premier World Mastercard.

          Yours is ????

  • timhn on 22/10/2024 - 14:14
    +4

    Received the message (+ email) this morning that they have approved my application.

    Applied 17th/Aug, approved 22th/Oct.

    • Chhaava on 25/10/2024 - 08:50

      I will wait for my outcome, applied;Aug 20,2024

      • Chhaava on 25/10/2024 - 16:49

        Update: Card approved. Received the email and sms this morning. Took more than 2 months.

        • Dr Phil on 29/10/2024 - 08:23
          +1

          I did well then.I beat the "rush"
          Mine took 5 weeks back in July

          • timhn on 01/11/2024 - 19:38
            +1

            @Dr Phil: Finally received the physical card today - nearly 2 weeks after approved. All up 11 weeks since applied.

            • Dr Phil on 02/11/2024 - 09:23
              -1

              @timhn: Did you get the credit limited you requested?
              Mine was pruned back

              • timhn on 02/11/2024 - 09:46

                @Dr Phil: No, asked only for $5K and got that.

  • bodri on 28/10/2024 - 13:15

    I have received my new Bendigo Ready credit card and wish to set up a direct debit payment from another bank to pay off in full each month. Previous recollection when setting up for 28 Degrees payments there was a form to fill out provided by credit card provider. Bendigo Bank customer service has said I need to contact my other bank. Has anyone set up direct payments from external bank and if so, what was the process please.

  • Frozensage on 13/11/2024 - 15:05

    so Im getting a new loan and also wanting to apply for this card. Does the credit check happen when you apply or during that 2 month?

    • timhn on 13/11/2024 - 18:12

      The credit check is almost immediately the moment you click submitted!!

  • Captain Hindsight on 14/11/2024 - 12:46

    After months of waiting getting texts apologising for delays and telling us to be patient we logged in today and it says the application has been withdrawn. no notification or anything Bendigo bank stinks

    • Dr Phil on 18/11/2024 - 08:18

      If you have other credit cards and loans, most likely thats why you were unsuccesful.
      Bendigo bank is VERY CONSERVATIVE

      • Captain Hindsight on 18/11/2024 - 09:17

        Sounds about right, it was my wife actually but she doesn't have any debt, cards and over 100k in bank, been at her employer for 24 years.

    • drmarshall on 20/11/2024 - 07:58

      How did you log in, did you use your application number?

  • nanny0tt on 18/11/2024 - 09:38
    +1

    Applied Sep 1st and got approved today ¯_(ツ)_/¯ this is crazy

    • Dr Phil on 19/11/2024 - 13:55

      Lucky for you, got approved!

  • timhn on 19/11/2024 - 20:44

    Has anyone seen a Bendigo's enquiry in your credit file? Until now, I haven't seen anything from Bendigo on my credit file since applied in mid August. Other banks would have turn up in my file within a month or two.

  • freeb1e4me on 21/11/2024 - 00:11

    International Travel Insurance
    Part A - Eligibility for Cover Who is eligible?
    As a cardholder, you are eligible for the cover available under this International Travel Insurance when you meet all of the following criteria:
    1. you reside in Australia (including holders of a visa issued under the Migration Act 1958 (Cth) which entitles the holder of the visa to residency);
    2. before leaving Australia you spend at least $500 on your prepaid travel costs, for example, your return overseas travel ticket, your prepaid overseas accommodation, your prepaid cruise, travel or tour, and you charge these costs to the accountholder’s card account; and
    3. you have a return overseas travel ticket before you leave Australia; and
    4. you are aged under 81 years at the time you become eligible for the cover available by meeting conditions 1 to 3 listed above.

    Do you have to notify the bank or underlying insurer to activate this complementary travel insurance or just do point 1. and you’re magical set to go?

    • Dr Phil on 23/11/2024 - 08:36
      -3

      Point 2 actually

      • timhn on 23/11/2024 - 10:06
        -1

        You must qualify for all of the points there, but don't need to notify them.

        Australia resident + paid at least $500 towards travel costs + have return tickets + under 81yo (this is tricky one , what if you're turning 81yo while travelling? I guess you rather get special insurance than this if you are reaching 80yo )

        • Dr Phil on 24/11/2024 - 18:10
          -1

          Correct but Im just correcting the question
          Do you have to notify the bank or underlying insurer to activate this complementary travel insurance or just do point 1

          You need to "action" point 2 to "activate"
          The rest are all "qualifiers" as you correctly stated

    • YesPleaseThankYou on 24/11/2024 - 19:07

      I mean, it's pretty clear:

      you are eligible for the cover available under this International Travel Insurance when you meet all of the following criteria:

      All means all.

  • Daniel Plainview on 04/12/2024 - 16:57

    3mth waiting time for them to process a $3k credit limit approval - on lets just say an applicant that had a bloody high score.

    Be aware this bank runs itself like it's the 1970's so you have to go into a physical branch to fill out a paper form to have your account balance paid off fully each month (thus avoiding interest charges). And I found their customer service team incredibly slow - so the card was cancelled after just a week, near 4mths all for naught.

    • MondaySleeper on 05/12/2024 - 06:48

      They have BPay option as per their help page cant we use that for paying off the statement amount each month? I just got the card after 3 months wait and not used yet.

      • Daniel Plainview on 05/12/2024 - 14:34

        LOL I'm an ex-card holder now - so take this with a grain of salt. I believe yes you can use BPay to pay off the card (fees might apply dunno) but if you want to automatically pay off the full balance each statement period, they make you jump through the hoops going into a branch - why? As they do NOT want you to do that - as it means they get no interest/late fees etc - guaranteed!

        Even Latitude Financial, who are bodgy as had this available via their members online section to easily select - but bendigo?? Paper in brand ONLY, would not even email it to me via a secure request from the online section of your account. Utter nutters in 2024 if that is how they hand;e, wouldn't even explain why this was the case - standard 'Its our policy' BS.

  • souths123 on 04/12/2024 - 16:59

    a pain that you have to go into a branch to open an account if a new customer….I'm not driving 35 minutes to my nearest. Should be able to open an account online with valid ID

    • rith on 04/12/2024 - 17:03

      Yeah I'd love to migrate to this card, coming from Bankwest but even asking for the lowest credit limit allowed I was instantly rejected after submitting my documents. Would sort it out in branch but none of them are open on Saturdays and I'm not going to take time off work just to do this.

      Guess I'll stick to the ubank debit card for international transactions! (and actually buy travel insurance for my next trip..)

      • souths123 on 04/12/2024 - 19:12

        I have been using the HSBC card for international when travelling, plus get the 2% cashback here for less than $100 tap

        • zcream on 13/06/2025 - 11:42

          Does the HSBC card not have any intl transaction fees?

          • Dr Phil on 14/06/2025 - 09:53
            -1

            @zcream: The HSBC Premier mastercard is no longer free - 1st year only as are many others
            Then $200 for the basic points card and $400 if you want Qantas points

            Yes HSBC Premier mastercard also charges 3% foreign exchange fee so NOT a good option to use overseas.

            As a result Ive now cancelled my HSBC Premier Mastercard and moved my money to Macquarie where I get much better interest rates.

            My everyday go-to credit card (including overseas) is now the Bankwest Zero Platinum Mastercard.
            I use the Bendigo Bank Ready Platinum Credit card when paying for overseas travel so that I get the free travel insurance.
            Its also my backup card for overseas travel as there are no Forex fees.

          • souths123 on 16/06/2025 - 13:23

            @zcream: I just have the globaleveryday debit card so no annual fees, 2% cashback on tap under $100 (in Australia) and no currency conversion fees….goes on the Visa conversion rate of the day. Just transfer $2000 into the account every month to activate the cashback. I transfer in and out and just keep $100 in there at all times for incidental weekly purchases. I have used it overseas and am happy with the conversion rates. I prefer to use this for local restaurants etc when overseas, that way if it is compromised I don't have much in there. I use the Bankwest Zero Platinum for anything at a hotel, again no conversion fees and the mastercard rate of the day.

      • Dr Phil on 14/06/2025 - 10:03

        If you have the Bankwest Zero Platinum card they dont charge an annual fee nor Forex fees so still a great card to use whilst overseas.
        Ive never had a problem using mine locally or ovreseas so highly recommended

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