• 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 (16365 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

Old
Search through all the comments in this post.
  • Unified on 02/06/2025 - 11:32

    Is this still an OzBargain's favourite Cc as about to cancel my 28degree which attracts now a monthly fee and I will be charged shortly?

    • 0
    • CodeXD on 02/06/2025 - 13:19

      Call them up and ask if they can waive the monthly fee. I've received several emails from 28D saying they will waive it but I've already cancelled.

      • 2
      • Unified on 02/06/2025 - 13:51

        Thanks and they will not do that, already checked. Also, the Travel Insurance is an attaractive benefit, I am towards the Bendigo Cc unless anyone has any experience where not that effective.

        • 0
    • lanceteer on 04/06/2025 - 16:53

      This is definitely OzBargain's and Whirlpool's current favourite international spending credit card. No other card has the combination of no annual fee, fee-free foreign transactions, and complementary travel insurance.

      • 0
    • eecan on 04/06/2025 - 17:56

      If you have price protection I'd hold on to the card until I hit the limit. If you don't then yeah no value in the 28 degrees card.

      • 0
    • timhn on 04/06/2025 - 18:13

      Currently using this CC overseas. Love the ability able to quickly repay instantly with Osko. Handy to top up when you near the credit limit but need to make big purchase.

      • 4
      • Lucille Bluth on 04/06/2025 - 20:51

        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.

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

          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.

          • 1
  • Frozensage on 04/06/2025 - 15:56

    Do these still take ages to process?

    • 0
    • padman on 04/06/2025 - 16:08

      No, did it in May and took ~1 week

      • 0
    • lanceteer on 04/06/2025 - 16:50

      Applied last week. Five days from application to approval.

      • 0
      • Bozman on 03/12/2025 - 22:30

        Can I ask what your limit is?

        I tried to apply for this about 18 months ago and th application process was so bad and they wanted so much information I gave up. I asked for a $10k limit.

        It was honestly so much easier getting a home loan, though I guess that’s a secured loan.

        • 0
    • Geelong2017 on 05/06/2025 - 09:30

      Bendigo uses outdated systems stay away love wasting time

      • -2
  • montorola on 04/06/2025 - 15:57

    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.

    • 6
    • dec1an on 05/06/2025 - 09:23

      yeah i'm bailing

      • 0
    • wetsandwich on 05/06/2025 - 09:51

      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.

      • 2
  • OzFrugie on 04/06/2025 - 16:09

    Is applying via branch better than online for this card?

    • 0
    • 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).

      • 0
  • lanceteer on 04/06/2025 - 16:49

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

    • 0
  • seboya on 04/06/2025 - 17:02

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

    • 2
  • zcream on 04/06/2025 - 17:57

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

    • 0
    • lanceteer on 04/06/2025 - 18:55

      None that I know of at the moment.

      • 0
  • dec1an on 05/06/2025 - 09:22

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

    • 0
  • Geelong2017 on 05/06/2025 - 09:29

    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

    • -5
  • 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..

    • 0
  • 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?

    • 0
    • 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.

      • 0
    • timhn on 13/06/2025 - 18:52

      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.

      • 1
      • 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.

        • 0
  • 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.

    • 0
    • Dr Phil on 17/07/2025 - 18:08

      Agree 100%

      Its the last "no annual fee" credit card standing with complimentary travel insurance.
      Maybe I should be using it as my primary card to justify its existance.
      But Bendigo are different. they are not like the other banks

      • 1
  • 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.

    • 0
  • lily on 16/07/2025 - 16:28

    Speedy approval through online application. Does anyone know to qualify for the travel insurance, do you need to book one return flight?

    I can't get a return on the same airline, so i need to make two separate transactions. Trying to figure out I would still meet conditions having to purchase one way return.

    • 1
    • lanceteer on 17/07/2025 - 08:45

      Have a read of the insurance policy document. Qualifying involves paying for $500 of the trip expenses.

      • 0
      • lily on 17/07/2025 - 10:45

        Thanks, i did check the PDS. I read some insurers won't cover if you purchase separate flights, and/or need to spend on a return flight.

        Called Allianz and just need to spend $500 on prepaid travel expenses. Not complicated at all.

        • 2
        • YesPleaseThankYou on 17/07/2025 - 10:47

          Just like the PDS says.

          • 1
        • pennypacker42069 on 22/07/2025 - 11:17

          The PDS clearly says you need a return ticket. Allianz may have given you the wrong information. People have had complimentary travel insurance claims denied for this reason before

          • 0
          • lily on 14/08/2025 - 13:07

            @pennypacker42069: My question was if I needed to use the Bendigo Bank CC to buy a return ticket. However I clarified with Allianz $500 could be spent on trip expenses, not necessarily the flights.

            Really just wanted to check I could still purchase flights separately with a different credit card. It would be misleading conduct if the insurance provider isn't giving you the right information about the policy.

            • 0
            • pennypacker42069 on 03/12/2025 - 22:24

              @lily: Using separate one way tickets will void the insurance. You need to have an actual return ticket regardless of which card you purchased it with

              • 0
          • desfromoz on 03/12/2025 - 17:14

            @pennypacker42069: Yes, you need the return ticket, but it does not need to be purchased with this card.

            • 0
  • Lucille Bluth on 07/08/2025 - 21:26

    Current lead time is two business days. There is no backlog currently.

    • 1
    • OzFrugie on 07/08/2025 - 21:59

      What docs did they ask in the application

      • 0
      • Lucille Bluth on 07/08/2025 - 22:13

        I just provided them what they ask for from this link - https://www.bendigobank.com.au/personal/credit-cards/applica…

        I gave them

        • 4 recent payslips
        • Income statements from MyGov
        • SMSF/super statements (optional)
        • 28 Degrees CC closure letter
        • certified copies of ID (optional)

        I am already an Up Customer, and have a home loan with them too, so they probably have those records on hand since they are the same company.

        When I uploaded everything, the person responded the next day quoting the two day lead time for assessment. They haven't gotten back to me asking for any additional documents at this stage. I imagine they would ask for bank statements too.

        • 2
      • Lucille Bluth on 08/08/2025 - 11:18

        My credit card has now been approved. That was quick, and no further documents requested beyond the ones I provided above.

        • 3
  • theabcd1234 on 11/08/2025 - 15:23

    Just wondering with this card, when paying for things overseas. Does it work similar to ING? In regards to Bendigo charging an amount including a 3% international transaction fee, then Bendigo refunds the international transaction fee? Thank you.

    • 0
    • CodeXD on 11/08/2025 - 15:28

      There is no international transaction fee. It doesn't even come up as a transaction line.

      • 0
    • timhn on 12/08/2025 - 07:33

      I assume you compared with the ING debit card?

      To get the refund FX fee from ING, you must meet the eligibility in the previous month. That's why you have 2 transactions for each purchase overseas. One is the full amount charged with FX fee included and one a refund of the fx fee immediately. If you didn't meet the eligibility, they will charge you full amount, ie no fee refunded.

      Bendigo have no such silly requirements. Just a plain simple CC with no fx fee. One purchase, one transaction.

      • 0
      • Dr Phil on 13/08/2025 - 19:01

        Yep. Chalk and cheese

        ING is the exception.
        Not Bendigo bank

        • 0
    • Dr Phil on 11/09/2025 - 17:00

      Just contact your local branch
      They will give you the forms to complete. Otherwise they will email the forms to you
      Fill them in and taken them to the branch (you cant email them for security reasons)
      The local loans officer will go over your application and might ask for additional supporting documents
      Really depends on your sources of income.

      Just remember that each Bendigo Branch is a stand alone franchise.
      There is no central loans processing office.

      • 1
  • zfind on 03/12/2025 - 16:52

    I’ll read the T&Cs later but am I wrong in thinking this would make an unbeatable daily driver CC to just hold forever at the lowest credit limit and use for O/S travel?

    How’s the travel insurance?

    It seems to be a fantastic deal but I’m looking for the catch.

    • 0
    • churnandburn on 03/12/2025 - 17:47

      Travel insurance was fantastic. Made a claim for damage to a hire car in Italy and it was paid out within half a day. There was an excess, but that was in the PDS so not a surprise.

      • 0
      • zfind on 03/12/2025 - 18:07

        Thanks for feedback!

        • 0
    • jeppetto367 on 03/12/2025 - 18:22

      Yes, it's a great card to keep on hand, I've got one at $3k limit for OS/general use. Pair with a decent Amex as your daily driver and you're good to go.

      • 0
      • zfind on 03/12/2025 - 18:28

        Thanks for the confirmation, looks like a rare gem 💎

        • 0
  • desfromoz on 03/12/2025 - 17:10

    I just returned from a month in Japan, HK and Singapore, using this card.

    I mainly got it for the travel insurance. I couldn't acces many other cards due to not meeting the minumum invome levels, being retired and consequently lower income.

    It worked flawlessly, and the exchange rate was decent.

    I also have an UP card from Bendigo, which is a debit card. I use that for ATM withdrawals and as a backup card.

    • 2
    • eeeee on 04/12/2025 - 06:59

      Was there a free for atm withdrawals?

      • 0
      • bugsbunny on 04/12/2025 - 08:14

        Just need to find a fee free atm.

        In Japan, it’s the 7/11 ATMs from experience. Not sure which ATMs in HK and SG though.

        • 0
  • ozziekhoo on 03/12/2025 - 17:56

    I am not an existing customer. At the moment I cannot see an option to apply online, do I have to visit a branch to apply for this?

    • 0
  • Ausbargain007 on 03/12/2025 - 18:00

    Looks like you can't apply online, what a tragedy??

    • 0
    • DingoBlue on 03/12/2025 - 18:12

      Not a good sign.

      • 0
      • YesPleaseThankYou on 03/12/2025 - 18:56

        Probably because:

        Due to a high volume of applications, we are experiencing extensive delays in our processing times. Please bear with us as we process applications.

        • 0
    • timhn on 03/12/2025 - 19:48

      May be signup for a debit account first?

      • 0
  • muwu on 03/12/2025 - 18:40

    Made the switch from ING when they introduced an annual fee this year and we all did an exodus. This was my runner up candidate anyway when I first got the ING. This is a fantastic card - easy MC with good online functionality, travel ins. and no transaction fees (I used on Alipay in China this year and it was perfect), 55 day interest free. I think the interest rates are not the cheapest (19-20%) so don't miss that payment.

    • 0
  • bin555 on 03/12/2025 - 19:03

    Just missing reward points.
    Are there any cards with $0 fees but rewards.

    Coles credit card is the only one I found

    • 0
    • skyboy on 03/12/2025 - 19:34

      The point is no international transaction fee

      • 0
    • zfind on 03/12/2025 - 20:13

      You can’t have it all. Any card with reward points is going to charge an annual fee to recoup it.

      • 2
  • jiayijames on 03/12/2025 - 19:28

    Pros

    $0 annual fee
0% international transaction fees on purchases
Access to complimentary overseas travel insurance

    Cons

    No introductory offers on purchases and balance transfers
Does not feature a rewards program
There is a $15 late payment fee
    • 0
    • timhn on 03/12/2025 - 19:47

      Another pro which none other lenders have: ability to do direct pay by Osko. Handy to top-up your limit immediately.

      • 1
      • techdave on 03/12/2025 - 20:22

        Just FYI, not a travel card as it's not forex-fee fee, but Amex does payID, which is almost instant for me to top up.

        • 2
        • timhn on 03/12/2025 - 21:59

          oh cool, didn't know about this as i setup direct debit for my Amex for a long time

          • 0
        • bugsbunny on 04/12/2025 - 03:15

          Omfg. I have both this Bendigo card and Amex and I never knew about this instant payment for both these cards via bsb/acc and payid. This is a game changer.

          Thank you!!

          • 1
      • theg00s3 on 03/12/2025 - 22:13

        I missed that ability dearly when I moved from Bendigo, it’s just so convenient

        • 0
  • mhaqs on 03/12/2025 - 20:11

    The only thing I don’t like about this card is the support. Online support will forward you to the local branch. Online support also cannot make decisions about any issues with your card, they just make excuses and cut off calls.

    I didn’t have a great experience with them, but it works well until you run into an issue.

    • 0
  • Enterz on 04/12/2025 - 07:11

    Weird that nobody here on Ozbargain even mentions the interest rate, which is the actual cost of a credit card.

    Yes I know you can pay it off fast and avoid those charges but clearly most people don't which is how these companies make so much money. You can get credit cards with no annual fee and an interest rate around 12% rather than 20%

    • 0
    • gimme on 04/12/2025 - 07:20

      No ozber pays interest mate. That's implicitly assumed

      • 9
    • lanceteer on 04/12/2025 - 07:43

      Us Ozbargainers will tell you not to get any credit card if you're going to end up paying interest on your purchases. That's worse than poor value – it's negative value.

      • 3
      • Enterz on 04/12/2025 - 07:53

        about 60% of people end up paying interest, and that no doubt includes many people who planned to pay it off in full every month

        • 0
        • gimme on 04/12/2025 - 09:15

          Those 60% aren't on Ozbargain. We also need them to subsidise the rest anyway as good deals are slim pickings these days with the enshitification of all things.

          • 0
        • dqtl74 on 04/12/2025 - 09:43

          Probably the same people who don't check emails from their bank regarding changes to how interest works on their savings accounts.

          • 0
          • timhn on 04/12/2025 - 12:18

            @dqtl74: Remind of of a guy here that missed completely for a year of earning interest by not to do UBank monthly deposit requirement. Lost thousand of dollars because of ignore/not check emails or open Ubank app at least once a month

            • 0
  • MediumRareChicken on 04/12/2025 - 09:21

    So essentially load the card with AUD, take card overseas and use for any currency purchase. Will automatically deduct funds from card in AUD at the Mastercard exchange rate without any fees? Can anyone confirm?

    • 0
    • dqtl74 on 04/12/2025 - 09:44

      You don't load the card with money, it's a credit card.

      Whatever cost you incur with be charged to the card and you can either wait for the statement and pay it off then, or pay it off immediately by transferring funds to the card.

      I guess you could technically load money onto the card by sending money to it while the balance is $0 but I don't see much point as you will be able to withdraw any money you don't use without incurring a fee.

      • 0
      • gimme on 04/12/2025 - 10:20

        Only reason to load $$ and keep a positive balance is if you want to use it at an ATM to withdraw cash. You won't incur a cash advance fee. I did that once in Japan as I had no other option and no fees

        • 0
        • MediumRareChicken on 04/12/2025 - 10:34

          I’m looking at this as a cheaper alternative to Wise whilst overseas. It seems the exchange rate will be comparable against both, however even though low, Wise charges a conversion fee on top of their exchange rate. If there’s no conversion fee on this card, and free unlimited overseas withdrawals, this seems like it beats Wise

          • 0
          • bugsbunny on 04/12/2025 - 12:02

            @MediumRareChicken: Just get UP

            • 0
          • dqtl74 on 04/12/2025 - 12:56

            @MediumRareChicken: The advantage of Wise is that you can convert currency when the rates are favourable. If you don't mind being at the mercy of whatever the exchange rate is at the time of your trip either this card or UP bank will work.

            Wise also charges fees for withdrawing more than $350 AUD a month.

            There are a couple of other banks that offer no international fees with their everyday banking accounts too (ubank and Bankwest come to mind).

            • 0
          • Dr Phil on 06/12/2025 - 20:35

            @MediumRareChicken: Same with Bankwest Zero Platinum Credit card.
            Never had a problem using it overseas and better than the cash rate.
            Just that BW doesnt have free travel insurance.
            So best to carry both cards.

            I use the Bendigo Ready Credit card to purchase my airfares, accomodation etc so I qualify for the free travel insurance.
            But I take both overseas with me as both have no foreign exchange fee.

            • 0
            • compound on 01/04/2026 - 22:51

              @Dr Phil: The BW More World Mastercard has 6 months travel insurance with complimentary lounge access.

              Absolutely worth it for 270 per year if you fly abroad a few times a year like myself.

              • 0
              • Dr Phil on 04/04/2026 - 10:10

                @compound: Ive just checked that one out.
                Apart for that…
                Also and mainly a REWARDS card.

                • 0
        • MediumRareChicken on 04/12/2025 - 13:50

          Do you know what the positive balance limit is? If I could load say $10k AUD onto it and take cash out overseas without any fees, that would be a winner

          • 0
          • gimme on 04/12/2025 - 14:23

            @MediumRareChicken: Haven't checked but I can't see a bank limitting how much 'free' cash you give them

            • -1
          • bugsbunny on 04/12/2025 - 15:38

            @MediumRareChicken: Wouldn't it be better to put that 10K into a debit card that will allow you to withdraw funds overseas without any fees?

            What if you don't use the entire 10K. You can easily just transfer it out of Up to your normal everyday bank account.

            Plenty of debit options that allow free withdrawals (UP bank as an example that I have used in Japan and Vietnam).

            • 0
            • MediumRareChicken on 04/12/2025 - 15:49

              @bugsbunny: I’m basically looking to do everything my Wise card can currently do, for example load funds onto it and withdraw overseas, use in any country in any currency with auto-conversion etc.

              Good point about if I don’t use all the funds in my positive balance, I doubt there would be a way to transfer it back to myself

              • 0
              • bugsbunny on 04/12/2025 - 17:30

                @MediumRareChicken: I’m basically looking to do everything my Wise card can currently do, for example load funds onto it and withdraw overseas, use in any country in any currency with auto-conversion etc.

                Look into UP bank haha. It's exactly what you're looking for. Only thing Up can't do that Wise can is lock in the rates.

                https://up.com.au/bank-overseas-without-the-fees/

                • 0
                • MediumRareChicken on 04/12/2025 - 19:40

                  @bugsbunny: I don’t really use auto-conversion so it’s not really a big issue for me. It seems Up is superior to Wise in pretty much every way other than being able to hold different currencies, however you’re paying a conversion fee to conver AUD into another currency with Wise. I mean, I’ve been pretty happy with Wise for my past few overseas trips, this Bendigo CC has made me think about other options though, as I don’t have a CC and it may be handy for things like overseas car rental where a lot of the time they require a physical CC. Also the free travel insurance is very enticing. I just wish Wise did actual CC’s and offered free travel insurance haha

                  • 0
Login or Join to leave a comment
Login Join