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.
Last product change: 07 Feb 2025
Last checked: 14 Aug 2025
| Billing Frequency | Details | |||
|---|---|---|---|---|
| Annual fee | Periodic | $0.00 | P1Y | Payable on the day before we issue the first Statement of Account for your Account and annually thereafter. |
| International Transaction fee | 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 currency other than Australian dollars (AUD) or in Australian dollars (AUD) but with or using a merchant, payment processor, financial institution or other entity (including an online merchant) who is outside of Australia. Note: It may not always be apparent to you that an online merchant is located outside of Australia. | ||
| Balance Trasnfer Fee | Event | 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 as a Promotional Balance Transfer. | ||
| Late Payment Fee | Event | $15.00 | Payable each time you fail to pay your Minimum Repayment as stated on a Statement of Account by its due date. | |
| Cash Advance Fee | Withdrawal | $3.00 | 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. | |
| International ATM Withdrawal | Transaction | $5.00 | Payable whenever you make a cash withdrawal outside of Australia at a non-Bendigo Bank ATM (in addition to the Cash Advance Fee. | |
| International ATM Inquiry | Transaction | $1.50 | Payable whenever you make an Account inquiry outside of Australia at a non-Bendigo Bank ATM. | |
| Replacement Card Fee | Event | $15.00 | Payable whenever we issue you a replacement, reissue or redirection card other than by standard post at your request. |
| Additional Cards | 0 additional cards No fee for additional cardholder |
| Interest Free Period | 1 month 24 days |