Bendigo Bank
Bendigo Ready Credit Card
Bendigo Ready Credit Card lets you enjoy a $0 annual fee - this year and beyond. Also, save with $0 international transaction fees, a range of added insurances, purchase protections, plus access to Mastercard Priceless Cities exclusive experiences and special offers - it's the only card you'll need. Plus you'll receive up to 55 days interest free on purchases.
Credit cardsBank updated 29 July 2026
At a glance
- Purchase rate
- 19.99%
- Cash advance
- 19.99%
- Interest-free days
- 55
- Annual fee
- $0
- Foreign transaction fee
- 0.00%
- Balance transfer
- 19.99%
§ 01 — Rates · 3
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Balance transfer | P&I | — | — | 19.99% | — | — |
| Cash advanceCalculated daily, charged monthly | P&I | — | — | 19.99% | — | — |
| PurchaseCalculated daily, charged monthly | — | — | — | 19.99% | — | — |
§ 02 — Fees · 26
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| Cash Advance Fee | Cash advance | 3.00% of transaction | — | Cash Advance Fee – [$3.00 or 3% of Transaction amount, whichever is greater] Payable each time we provide credit in the form of cash or you perform a Transaction we treat as being equivalent to cash. |
| Balance Transfer Fee | Event | 2.00% of transaction | — | Balance Transfer Fee – [2% of the balance transferred] Payable each time we agree to transfer the balance owing by you in respect of a different credit card facility to your Bendigo Bank Credit Card… |
| Replacement Card Fee | Event | $15 | — | Payable whenever we issue you a replacement, reissue or redirection card other than by standard post at your request. |
| Late Payment Fee | Late payment | $15 | — | Payable each time you fail to pay your Minimum Repayment as stated on a Statement of Account by its due date. |
| Annual fee | Periodic | No fee | Every 1 yr | Payable on the day before we issue the first Statement of Account for your Account and annually thereafter. |
| Bank@Post balance enquiry | Transaction | No fee | — | When you make balance enquiry at a Bank@Post terminal in an Australia Post Office using a Bendigo Bank card, where this facility is available. |
| Bank@Post Deposit | Transaction | $4 | — | — |
| Bendigo Bank ATM Transfer | Transaction | 3.00% of transaction | — | Bendigo Bank ATM Transfer – [$3.00 or 3% of Transaction amount, whichever is greater] Payable each time we provide credit in the form of cash or you perform a Transaction we treat as being equivalent… |
| Bendigo Bank ATM Withdrawal | Transaction | 3.00% of transaction | — | Bendigo Bank ATM Withdrawal – [$3.00 or 3% of Transaction amount, whichever is greater] Payable each time we provide credit in the form of cash or you perform a Transaction we treat as being equivale… |
| Direct Debit | Transaction | 3.00% of transaction | — | Direct Debit – [$3.00 or 3% of Transaction amount, whichever is greater] Payable each time we provide credit in the form of cash or you perform a Transaction we treat as being equivalent to cash. |
| EFT Credit Transfer | Transaction | $4 | — | — |
| EFTPOS Withdrawal | Transaction | 3.00% of transaction | — | EFTPOS Withdrawal – [$3.00 or 3% of Transaction amount, whichever is greater] Payable each time we provide credit in the form of cash or you perform a Transaction we treat as being equivalent to cash. |
| Internal Transfer | Transaction | 3.00% of transaction | — | Internal Transfer – [$3.00 or 3% of Transaction amount, whichever is greater] Payable each time we provide credit in the form of cash or you perform a Transaction we treat as being equivalent to cash. |
| International ATM Inquiry | Transaction | $1.50 | — | Payable whenever you make an Account inquiry outside of Australia at a non-Bendigo Bank ATM. |
| International ATM Withdrawal | Transaction | $5 | — | Payable whenever you make a cash withdrawal outside of Australia at a non-Bendigo Bank ATM (in addition to the Cash Advance Fee. |
| International Transaction Fee | Transaction | 0.00% of transaction | — | International Transaction Fee – [0% of the Transaction amount (in AUD)] An International Transaction Fee of 0% of the Transaction amount (in AUD) payable for each Transaction which is conducted in a… |
| Pay Anyone Transfer, Including Osko | Transaction | 3.00% of transaction | — | Pay Anyone Transfer, Including Osko – [$3.00 or 3% of Transaction amount, whichever is greater] Payable each time we provide credit in the form of cash or you perform a Transaction we treat as being… |
| Periodical Payment (Internal) | Transaction | 3.00% of transaction | — | Periodical Payment (Internal) – [$3.00 or 3% of Transaction amount, whichever is greater] Payable each time we provide credit in the form of cash or you perform a Transaction we treat as being equiva… |
| Periodical Payment to Other Financial Institution | Transaction | $3.75 | — | — |
| Phone Banking Transfer | Transaction | 3.00% of transaction | — | Phone Banking Transfer – [$3.00 or 3% of Transaction amount, whichever is greater] Payable each time we provide credit in the form of cash or you perform a Transaction we treat as being equivalent to… |
| Retail Purchase | Transaction | No fee | — | — |
| Transfer | Transaction | 3.00% of transaction | — | Transfer – [$3.00 or 3% of Transaction amount, whichever is greater] Payable each time we provide credit in the form of cash or you perform a Transaction we treat as being equivalent to cash |
| Bank Cheque Withdrawal | Withdrawal | $10 | — | — |
| Bank@Post Withdrawal | Withdrawal | $4 | — | — |
| BPAY Withdrawal | Withdrawal | 3.00% of transaction | — | BPAY Withdrawal – [$3.00 or 3% of Transaction amount, whichever is greater] Payable each time we provide credit in the form of cash or you perform a Transaction we treat as being equivalent to cash. |
| Cash Withdrawal | Withdrawal | 3.00% of transaction | — | Cash Withdrawal – [$3.00 or 3% of Transaction amount, whichever is greater] Payable each time we provide credit in the form of cash or you perform a Transaction we treat as being equivalent to cash. |
§ 03 — Features
Balance transfers55 interest-free days99 additional cardsGoogle PaySamsung PayApple PayGarmin PayInternational Travel InsuranceExtended Warranty InsurancePurchase Protection InsuranceDomestic Travel InsuranceRental Vehicle Excess Insurance
§ 04 — Eligibility & limits
- · Minimum age 18
- · Residency: Must be an Australian Resident
- · Available to individuals
- · Amount $3,000 to $50,000
§ 06 — Run the numbers
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Published by Bendigo Bank under the Consumer Data Right, last changed by them on 29 July 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.