Bendigo Bank Ready Credit Card

Name: Bendigo Bank Ready Credit Card
Brand: Bendigo Bank

Data last updated 20 July 2026

19.99%

Purchase rate

Annual fee

55 days

Interest-free

Do you manage Bendigo Bank card listings? Claim on Partner Central

You may have seen us in

CardIQ

63Good

Good

Overall score, out of 100 · How this works

55 days interest-free63
Balance transfer40
No annual fee72
No foreign fee79
Travel60

Customer reviews

No reviews yet. Be the first to review the Bendigo Bank Ready Credit Card.

Pros & cons

What's good

No annual fee.
Complimentary international travel insurance.
No foreign transaction fee on overseas or online spending.
No fee to add an additional cardholder.

Worth noting

The 19.99% p.a. purchase rate sits above the 18.99% p.a. median if you carry a balance.
Earns no rewards points on spending.

Card details

The basics

Additional cardholder fee: $0 p.a.
Card tier: Standard
Card type: Mastercard
Card use: Personal
Credit limit: $3,000 – $50,000
Credit rating: Good
Rewards program: None

Eligibility

Instant approval: No
Joint application: No
Minimum age: 18 years old
Minimum income: Not specified
Residency: Australian citizen or permanent resident
Temporary residents: Not eligible

Rates & fees

Ongoing interest rates

Cash advances: 19.99% p.a.
Purchases: 19.99% p.a.

Fees

Additional cardholder fee: $0
Annual fee: No annual fee
Cash advance fee: 3% of the amount
Foreign transaction fee: 0%
Late payment fee: $15

Repayments

Interest-free period: Up to 55 days on purchases
Minimum repayment: 3% of the closing balance or $10, whichever is greater

Balance transfers

Limit: Up to your available credit limit
Period: 0 months
Promotional rate: 19.99% p.a.
Revert rate: 0.00% p.a.
Transfer fee: 0%

While you carry a transferred balance you may not receive interest-free days on new purchases.

Introductory purchase offer

This card has no introductory purchase rate offer. If you're carrying a balance or planning a big spend, compare 0% purchase cards.

Rewards

This card doesn't earn rewards points. It focuses on a low cost of ownership instead. If earning points matters to you, compare frequent flyer cards and rewards cards.

Complimentary insurance

Cover has conditions and exclusions, which are set out in the issuer's PDS. A missing row means we haven't captured that figure, not that the cover is absent.

Overseas travel

Activation: Prepay part of the trip on the card
Activation spend: $500
Age limit: 80 years
Cover limit: $20,000,000
Excess: $250
Maximum trip length: 90 days
Not covered: Pre-existing conditions, unless the insurer agrees in writing
Underwriter: Allianz Australia Insurance Limited

Rental vehicle excess

Activation: Book with the card and take the hire company's waiver
Cover limit: $5,500
Excess: $250
Voids cover: Unsealed roads, drink driving, a driver not on the agreement
What it pays: The hire company's excess, not the vehicle

Purchase protection

Activation: Pay for the item with the card
Annual limit: $25,000
Cover period: 90 days
Excess: $250
Not covered: Cash, consumables and animals
Voids cover: Leaving the item unattended in a public place
What it pays: Theft, loss and accidental damage

Extended warranty

Activation: Pay with the card for an item under manufacturer's warranty
Annual limit: $25,000
Excess: $250
Not covered: Anything the manufacturer's warranty already excluded
Per-item limit: $5,000
What it pays: Mechanical failure once that warranty ends

Where this card sits vs similar cards

Compared with every other personal credit card we list that has the feature. The further right the dot, the better this card does.

FeatureThis cardWhere it ranks

Annual fee$0Tied for best (1st of 200 cards)

Overseas feeNo feeTied for best (1st of 200 cards)

Interest-free days55 daysTop 10% (6th of 192 cards)

Purchase rate19.99%Middle of the market (97th of 196 cards)

Data as at August 2026. Rates change often, so check the issuer's terms. Factual information, not a recommendation.

Compare side by side

Browse by card type

Compare the Bendigo Bank Ready Credit Card against every other card in its category.

Balance transfer No annual fee View all →

Questions and answers

No questions yet. Ask the first one about Bendigo Bank Ready Credit Card.

Sources

Credit Card Compare: Australian credit card statisticsHow CardIQ scores cards
Government: Product reference data (Consumer Data Right)
Issuer: Bendigo Bank