A great value credit card with $0 annual fee and platinum travel perks.
Three reasons to get a Bendigo Ready Credit Card
$0 annual fee
No annual fee - every year.
$0 international transaction fees
Buy online and overseas with confidence.
Security
24/7 fraud monitoring and no liability for unauthorised transactions.5
Bendigo Ready summary
- Save with $0 international transaction fees
- Up to 90 consecutive days international travel insurance (for persons under 76 years)7
- Extended warranty on covered purchases made with your credit card7
- 90 day purchase protection on stolen, accidentally damaged or permanently lost purchases7
- No fee for additional cardholders
- 24/7 fraud monitoring and no liability for unauthorised transactions5
- Up to 55 days interest free4
- Use everywhere Mastercard is accepted
- Access Mastercard Priceless® Cities exclusive experiences and special offers
- Mobile payments with your smart phone and smart watch
Check my eligibility
1. Your status
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I'm an individual, not a company
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I'm 18+ years of age
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I'm not currently bankrupt or insolvent
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I’m looking for a credit card for personal use, not business use
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I’m applying for a credit card in my name only
2. Your residency
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I'm an Australian citizen or permanent resident who is living/working in Australia.
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I'm the holder of one of the following acceptable visa subclasses and have applied for permanent Australian residency and have a minimum of 12 months remaining on my visa: 188, 489, 491, 494, 482 (excluding short term stream)
3. Your income
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I receive a regular income from one of the following accepted sources:
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- PAYG (Permanent, non-permanent and casual employment)
- Managed superannuation
- Self-managed superannuation
- Self employed
Rates and fees
Annual fee
$0 p.a.
Purchase interest rate
19.99% p.a.
Balance transfer rate
19.99% p.a.
Cash advance rate
19.99% p.a.
Minimum credit limit
$3,000
Additional card holders fee
$0
Discover the Bendigo Bank app
- Log in quickly and securely with biometric authentication or a Four-digit PIN
- See balances without logging in using Quick Balances
- Pay people and bills in seconds with PAYID, Osko, BPAY
- Add your debit or credit card to Apple Pay or Google Pay from the app
- Card controls at your fingertips
- Robust security features to keep you safe and secure
Download the Bendigo Bank app now
Get the Bendigo Ready Credit Card
Due to a high volume of applications, we are experiencing delays in our processing times. Please bear with us as we process applications.
New customers
If you are a new customer you can apply online in minutes
Existing customers
If you are an existing customer, you can apply via e-banking.
Apply in branch
If you are a new customer you can apply at your preferred branch.
Mobile payments
With Bendigo Bank you can turn your phone or smart watch into your wallet. Simply load an eligible Bendigo Bank card to your device and pay on the go.
Helpful tools
Use our helpful tools to help compare and selected the right credit card for you.
Need help?
Online
Complete the online enquiry form and a banking team member will contact you via your preferred channel, phone or email.
At a branch
Use our branch locator to search for a branch, agency or ATM near you.
Phone
If you have clicked on any suspicious links and entered your e-banking details:
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Things you should know
Terms, conditions, fees and charges apply. All information, including interest rates and fees, is correct as at 1 March 2023 and is subject to change. Full details available on application. Credit criteria apply. Credit provided by Bendigo and Adelaide Bank Limited ABN 11 068 049 178 Australian Credit Licence 237879 (‘Bendigo Bank’).
Target Market Determinations for products are available.
4Up to 55 days interest free
5Mastercard Zero Liability
Conditions for protection apply, see mastercard.com.au/zero-liability
7Bendigo Credit Card Insurance
Mastercard trademark
Apple and Apple Pay are trademarks of Apple Inc., registered in the U.S. and other countries.
Google Pay is a trademark of Google LLC.