The Finance Algorithm
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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 26 Oct 2026
Product page ↗Fees and pricing ↗Terms ↗

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%
Bendigo ready Credit Card

How it compares

This credit card in ink, against the best that every other institution publishes for anyone to apply for. Each figure is counted the same way for all of them.

This credit card: 19.99%Every other institution's lowest, 50 in all

Ongoing purchase rate, not introductory offers. One dot per institution, at its lowest credit card purchase rate anyone can apply for; hover or tap a dot for its name.

RateThis credit cardBest anywhereTypical institutionWhere it sits
Any credit cardOngoing purchase rate, not introductory offers19.99%7.49%Unity Bank's Low Rate Visa Credit Card12.49%of 51 institutions45th lowest of 51, level with one other
No annual feeOngoing purchase rate19.99%10.99%American Express' Low Rate Credit Card from American Express®14.84%of 10 institutions8th lowest of 10
Interest-free daysDays without interest on purchases when the balance is paid in full55 days62 daysBeyond Bank Australia's Low Rate Credit Card55 daysof 42 institutions2nd longest of 42, level with 30 others

Rates

Every rate Bendigo Bank publishes for this credit card, 3 in all.

TypeApplies toTermBandRateComparisonConditions
Balance transferP&I--19.99%--
Cash advanceInterest is charged at the cash advance rate from the time the cash advance is made until it’s completely paid off & is charged monthly.---19.99%--
PurchaseCalculated daily, charged monthly---19.99%--

Fees

26 fees published, grouped by when they're charged.

While you hold it1

  • Annual Fee

    Payable on the day before we issue the first Statement of Account for your Account and annually thereafter.

    No fee

When you make a transaction22

  • Cash Advance Fee

    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.

    3.00% of transaction
  • Bank@Post balance enquiry

    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.

    No fee
  • Bank@Post Deposit
    $4
  • Bendigo Bank ATM Transfer

    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…

    3.00% of transaction
  • Bendigo Bank ATM Withdrawal

    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…

    3.00% of transaction
  • Direct Debit

    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.

    3.00% of transaction
  • EFT Credit Transfer
    $4
  • EFTPOS Withdrawal

    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.

    3.00% of transaction
  • Internal Transfer

    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.

    3.00% of transaction
  • International ATM Inquiry

    Payable whenever you make an Account inquiry outside of Australia at a non-Bendigo Bank ATM.

    $1.50
  • International ATM Withdrawal

    Payable whenever you make a cash withdrawal outside of Australia at a non-Bendigo Bank ATM (in addition to the Cash Advance Fee.

    $5
  • International Transaction Fee

    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…

    0.00% of transaction
  • Pay Anyone Transfer, Including Osko

    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…

    3.00% of transaction
  • Periodical Payment (Internal)

    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…

    3.00% of transaction
  • Periodical Payment to Other Financial Institution
    $3.75
  • Phone Banking Transfer

    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…

    3.00% of transaction
  • Retail Purchase
    No fee
  • Transfer

    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

    3.00% of transaction
  • Bank Cheque Withdrawal
    $10
  • Bank@Post Withdrawal
    $4
  • BPAY Withdrawal

    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.

    3.00% of transaction
  • Cash Withdrawal

    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.

    3.00% of transaction

If a payment is late or fails1

  • Late Payment Fee

    Payable each time you fail to pay your Minimum Repayment as stated on a Statement of Account by its due date.

    $15

When particular things happen2

  • Balance Transfer Fee

    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…

    2.00% of transaction
  • Replacement Card Fee

    Payable whenever we issue you a replacement, reissue or redirection card other than by standard post at your request.

    $15

Features

Balance transfers55 interest-free days99 additional cardsGoogle PaySamsung PayApple PayGarmin PayInternational Travel InsuranceExtended Warranty InsurancePurchase Protection InsuranceDomestic Travel InsuranceRental Vehicle Excess Insurance

Eligibility and limits

  • Minimum age 18
  • Residency: Must be an Australian Resident
  • Available to individuals
  • Amount $3,000 to $50,000

Published by Bendigo Bank under the Consumer Data Right, last changed by them on 26 Oct 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.