Ready Credit Card card image
Mini meca 2023

Bendigo Bank Ready Credit Card

Advertiser disclosure
Purchase rate
19.99% p.a.
Balance transfer rate
No current offer
Annual fees
$0
Interest free days on purchases
55

Mozo editorial review Bendigo Bank Ready Credit Card - last updated: 13 July 2023

binocular icon
What's hot
  • $0 international transaction fee
  • Complimentary international travel insurance
  • 2023 Mozo Experts Choice Award
What's not
  • 19.99% p.a. purchase rate
Mozo snapshot

When it comes to cards that offer perks without the high annual fees of a rewards credit card, the Bendigo Bank Ready Credit Card could be worth a look. With no annual fee, you might find this to be a great choice for everyday spending and travel alike.

Plus, Bendigo Banks Ready Credit Card also won two awards for the 2023 Mozo Experts Choice Awards for Travel Credit Card and Platinum Travel Credit Card.

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Key features

Giving you many of the perks of a rewards card without the high annual fee, the Bendigo Bank Ready Credit Card could be the perfect option for supporting your everyday spend.

This card comes with a 19.9% p.a. purchase rate but the card has no annual fees. 

This card could be a great pick for your travel wallet, offering premium travel benefits: you’ll pay $0 extra fees on international transactions, and receive international travel insurance.

We’d be wary of this card if you’re looking to pay down debt, as a balance transfer rate of 19.99% p.a. will apply. You also don't want to be late on your payments with this card, or you'll have to pay a $15 late fee.

Meanwhile, you could use this card to build your credit score with its 55 days interest free. The $0 international transaction fees make online shopping a breeze, making this a versatile choice for home and away.

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Who is it good for

The low fees on this card make it a good choice for people looking to combat the rising cost of living if you are prepared to pay off your card within the 55 day interest free period to to avoid paying interest. 

This makes it a prime pick if you want to enjoy some of the benefits of a rewards card without the high price tag attached.

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Any catches

The 19.99% p.a. purchase rate is considerably high for a non rewards card. This is also not the card to transfer existing debt to, as there’s no balance transfer offer and you will pay the full 19.99% p.a. on any balance you bring over.

Details

Rates and fees information correct as at 31 May 2024 Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

19.99% p.a.

none

No current offer

no

19.99% p.a.

55

Fees

$0.00

none

none

none

$15.00

Greater of $3.00 or 3% of the transaction amount.

0%

$5.00

$10.00

$0.00

Features

$10.00

3.0

yes

$5 fee for overseas ATM withdrawals

Payment options

Apple Pay, Google Wallet, PayID, Samsung Pay, Garmin Pay

Customer Reviews

How are Bendigo Bank credit cards rated by the Mozo community?

Overall
8.2/10
Price
7.2/10
Features
6.7/10
Customer service
8.3/10
Convenience
8.1/10
Trust
8.3/10
Based on 568 Bendigo Bank credit card reviews as rated by the Mozo customers. More about the Mozo Customer Ratings.
Mozo recommends that ratings are only one factor to be taken into account when deciding whether to take up any financial product offer.

Latest review of Bendigo Bank Ready Credit Card

About Bendigo Bank

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0.75 points uncapped

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120,000

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0% p.a. for 6 months and then 22.24% p.a.

21.49% p.a.

$300 $150 in the subsequent years if you spend $48,000 on eligible purchases or cash advances in previous year., $150 in the first year

Citi Rewards Program

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$100

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12.99% p.a.

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0% p.a. for 28 months and then 21.74% p.a. (2.00% balance transfer fee)

$59 $0 in the first year

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