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.
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.
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.
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.
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19.99% p.a. |
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none |
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No current offer |
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no |
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19.99% p.a. |
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|
55 |
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$0.00 |
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none |
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none |
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none |
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$15.00 |
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Greater of $3.00 or 3% of the transaction amount. |
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0% |
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$5.00 |
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$10.00 |
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$0.00 |
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$10.00 |
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3.0 |
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yes |
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$5 fee for overseas ATM withdrawals |
Apple Pay, Google Wallet, PayID, Samsung Pay, Garmin Pay
Bendigo bank is big on community spirit and banking local. Most are run by a board of local towns people. Once a year community groups can apply for funding, which the board allocate what funds to which group. Most of the board or their wives or husbands or children are in these “groups” so funding gets allocated to who they choose. It’s very biased and unfair. The fees and charges on all accounts are ridiculous the highest of any bank. I personally would never bank with Bendigo bank again. Once my credit card is paid out that is the last account I have with them to close. I liked the idea of support your local community ect but once I found out how it works, I’m appalled at the behaviour.
Read full reviewBendigo bank is big on community spirit and banking local. Most are run by a board of local towns people. Once a year community groups can apply for funding, which the board allocate what funds to which group. Most of the board or their wives or husbands or children are in these “groups” so funding gets allocated to who they choose. It’s very biased and unfair. The fees and charges on all accounts are ridiculous the highest of any bank. I personally would never bank with Bendigo bank again. Once my credit card is paid out that is the last account I have with them to close. I liked the idea of support your local community ect but once I found out how it works, I’m appalled at the behaviour.
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