A great value credit card with $0 annual fee and platinum travel perks.
Three reasons to get a Bendigo Ready Credit Card
Find out if this card is the right fit for you.
$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
A platinum credit card offering exceptional value and travel perks with no annual fee.
- Save with $0 international transaction fees
- Up to 3 consecutive months international travel insurance (for persons under 81 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
Before you apply, make sure are eligible and have your documentation ready.
Select what to display below
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
Check out the below rates and fees that apply to the Bendigo Ready Credit Card. For the full list of fees and charges, please refer to the credit card terms and conditions.
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
For convenient banking on the go, download the Bendigo Bank app. Big on ease, speed and security, it delivers all the tools you’ll need for seamless online banking.
- 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
- Safe and secure 24/7
Download the Bendigo Bank app now
Get the Bendigo Ready Credit Card
Check you meet our eligibility criteria. Apply for this card and get access to useful features.
Due to a high volume of applications, we are experiencing extensive delays in our processing times. Please bear with us as we process applications.
Due to a high volume of applications, we are experiencing extensive 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?
Whether you prefer online resources, phone assistance, or a friendly face-to-face chat, we offer a variety of ways to get the support you need. Let us know how we can 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: The 55-day interest-free period consists of your 30-day statement cycle, plus the 25 days to the payment due date. The number of interest-free days will vary for each transaction, depending on which day in the 30-day statement cycle the purchase is made.
5Mastercard Zero Liability: Conditions for protection apply, see mastercard.com.au/zero-liability
7Bendigo Credit Card Insurance: Terms, conditions, exclusions, limits and applicable sub-limits apply. Refer to the Bendigo Credit Card Insurance (Bendigo Ready, Low Rate Platinum, Platinum Rewards, Qantas Platinum) Terms and Conditions for further information. Bendigo Bank does not guarantee any benefits under this insurance.
Complimentary insurance covers: AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 (trading as Allianz Global Assistance) under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz) has issued an insurance group policy to Bendigo and Adelaide Bank Limited ABN 11 068 049 178 AFSL and Australian credit licence 237879 (Bendigo Bank) which allows eligible Bendigo Bank account holders and cardholders to claim under it as third party beneficiaries. Access to the benefit of cover under the Credit Card Complimentary Insurance is provided to eligible Bendigo Bank cardholders by reason of the statutory operation of Section 48 of the Insurance Contracts Act 1984 (Cth). If an eligible person wishes to claim any of these benefits, they will be bound by the eligibility criteria, terms, conditions, exclusions, limits and applicable sub-limits contained in the Bendigo Credit Card Insurance (Bendigo Ready, Low Rate Platinum, Platinum Rewards and Qantas Platinum) Terms and Conditions which may be amended from time to time. Any advice on insurance is general advice only and not based on any consideration of your objectives, financial situation or needs.
Mastercard trademark: Mastercard and Priceless are registered trademarks, and the circles design and Tap & go are trademarks of Mastercard International Incorporated.
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.
