• long running

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

2001
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 (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

      • Lucille Bluth on 04/06/2025 - 20:51
        +1

        Wow that's a game changer compared to how bloody slow 28Deg is to pay the card. Initiate a bank transfer to avoid their BPay fee on a Wednesday, and only on Sunday does the payment clear. It's ridiculous.

        • timhn on 05/06/2025 - 06:40
          +1

          Yes, I don't know any other banks in Australia can give your CC a normal account number to repay your credit card debt - and also via Osko. I would recommend this a keeper even if you are not travel overseas frequently. Let's hope they don't enshittification later like the rest.

  • Frozensage on 04/06/2025 - 15:56

    Do these still take ages to process?

    • padman on 04/06/2025 - 16:08

      No, did it in May and took ~1 week

    • lanceteer on 04/06/2025 - 16:50

      Applied last week. Five days from application to approval.

    • Geelong2017 on 05/06/2025 - 09:30
      -2

      Bendigo uses outdated systems stay away love wasting time

  • montorola on 04/06/2025 - 15:57
    +6

    Lol 28 Degrees are in damage control mode. Cancelled last year in August and still getting offers of 2yrs no monthly fees etc.

    Thanks, but no thanks Latitude.

    • dec1an on 05/06/2025 - 09:23

      yeah i'm bailing

    • wetsandwich on 05/06/2025 - 09:51
      +2

      Yeah they dont realise you cant just sht on customers and win them back by reluctantly wiping some of the sht off. They need something extra.

  • OzFrugie on 04/06/2025 - 16:09

    Is applying via branch better than online for this card?

    • timhn on 05/06/2025 - 06:45

      Probably not because they have significant reduce the time to approve (1wk instead nearly 3 months like last year after the mass exodus from 28deg).

  • lanceteer on 04/06/2025 - 16:49

    Applied online five days ago, got approved today. This card is back on the menu everyone!

  • seboya on 04/06/2025 - 17:02
    +2

    Super annoying that you have to go into a branch to set up a secondary card holder. Otherwise good card!

  • zcream on 04/06/2025 - 17:57

    What sorts of promos do they offer? There is a promo code field

    • lanceteer on 04/06/2025 - 18:55

      None that I know of at the moment.

  • dec1an on 05/06/2025 - 09:22

    past halfway filling out the form and it crashed. Lost the application. :/

  • Geelong2017 on 05/06/2025 - 09:29
    -4

    Bendigo bank credit checks are like 300 years backwards. There servicing is crazy hard rember it will be available only for vanilla customers . Didnt approve my car loan 30k joint with wife with 300k income between us . Went to westpac approval and setlled in 24 hours while bendigo wasted our 6 days idiots and that too on one income alone.

    No wonder they will forever stay behind all big banks

  • sim777 on 05/06/2025 - 10:54

    Ive tried applying online 3x times due to constant crashes. My last application says that I was approved then when I go to create a username and password it crashes..

  • zcream on 13/06/2025 - 11:40

    Is there any advantage keeping both the latitude 28 degrees card as well as the Bendigo ready card?

    • CodeXD on 13/06/2025 - 11:41

      There is disadvantage of paying the monthly fee.

      If you have 2 cards that do the same thing, best to close off one so that you can get the credit limit back for something new/different etc.

    • timhn on 13/06/2025 - 18:52
      +1

      Only advantage to have the 28Deg is that you have the annual fee waived or you still have the grandfather price protection activated with your account. Also if you not interested to apply for any future loan/credit card.

      • Purple on 14/06/2025 - 08:41

        I am traveling os now with Bendigo Bank credit card. Exchange rate is very close to XE rate. I can top up the credit limit via Osko instantly as I am very close to the limit.

  • PapaX on 16/06/2025 - 16:05

    I wonder how long Bendigo will keep this card as it is; no annual fee, no overseas transaction fees and included travel insurance?

    If 70-80% of card holders have it as backup for holidays and only use it on 1-2 trips per year, the Bendigo bean counters will notice they are not making any money on interest and overdue fees. Then they'll probably come to the same conclusion as Bankwest, 28 degrees, and ING have done - something has to give. Either introduce a card fee or remove the travel insurance.

    But until that happens, best enjoy it while it lasts.

  • Logical on 19/06/2025 - 11:50

    LOL, Lol, lol…. just went into my local branch. I was the only person there. I was told that due to such a high number of applications for the credit card they can't accept my application in the branch, nor can they make an appointment for me to come back either! Was told to just submit online.

Login or Join to leave a comment
Login Join