Bendigo Bank
Bendigo Ready Credit Card
Bendigo Bank · cred and chrg cards
Provider last updated this product 2026-07-29.
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.
Lending rates
| Type | Rate | Comparison | Purpose | Repayment | Fixed term | Applies to | Interest |
|---|---|---|---|---|---|---|---|
| PURCHASE | 19.99% | - | OTHER | OTHER | - | - | calculated daily, paid monthly |
| Calculated daily, charged monthly | |||||||
| CASH ADVANCE | 19.99% | - | OTHER | PRINCIPAL AND INTEREST | - | - | calculated daily, paid monthly |
| Calculated daily, charged monthly | |||||||
| BALANCE TRANSFER | 19.99% | - | OTHER | PRINCIPAL AND INTEREST | - | - | calculated daily, paid monthly |
Fees
| Fee | Type | Amount | Details |
|---|---|---|---|
| Annual fee | PERIODIC | $0 | Payable on the day before we issue the first Statement of Account for your Account and annually thereafter. |
| International Transaction Fee | TRANSACTION | 0.00% | 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 Transfer Fee | EVENT | 2.00% | 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 | LATE_PAYMENT | $15 | Payable each time you fail to pay your Minimum Repayment as stated on a Statement of Account by its due date. |
| Cash Advance Fee | CASH_ADVANCE | 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 | 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 | Payable whenever we issue you a replacement, reissue or redirection card other than by standard post at your request. |
| Bank@Post balance enquiry | TRANSACTION | $0 | When you make balance enquiry at a Bank@Post terminal in an Australia Post Office using a Bendigo Bank card, where this facility is available. |
| Internal Transfer | TRANSACTION | 3.00% | Internal Transfer – [$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. |
| Pay Anyone Transfer, Including Osko | TRANSACTION | 3.00% | Pay Anyone Transfer, Including Osko – [$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. |
| Periodical Payment to Other Financial Institution | TRANSACTION | $3.75 | - |
| Bank@Post Withdrawal | WITHDRAWAL | $4 | - |
| Direct Debit | TRANSACTION | 3.00% | Direct Debit – [$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. |
| Phone Banking Transfer | TRANSACTION | 3.00% | Phone Banking Transfer – [$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. |
| EFTPOS Withdrawal | TRANSACTION | 3.00% | EFTPOS Withdrawal – [$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. |
| Bank@Post Deposit | TRANSACTION | $4 | - |
| Bendigo Bank ATM Transfer | TRANSACTION | 3.00% | Bendigo Bank ATM Transfer – [$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. |
| Transfer | TRANSACTION | 3.00% | Transfer – [$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 |
| BPAY Withdrawal | WITHDRAWAL | 3.00% | BPAY Withdrawal – [$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. |
| Bendigo Bank ATM Withdrawal | TRANSACTION | 3.00% | Bendigo Bank ATM Withdrawal – [$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. |
| Cash Withdrawal | WITHDRAWAL | 3.00% | Cash Withdrawal – [$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. |
| Retail Purchase | TRANSACTION | $0 | - |
| Periodical Payment (Internal) | TRANSACTION | 3.00% | Periodical Payment (Internal) – [$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. |
| Bank Cheque Withdrawal | WITHDRAWAL | $10 | - |
| EFT Credit Transfer | TRANSACTION | $4 | - |
Rate history
The figures behind this chart
| From | Until | Rate |
|---|---|---|
| 2026-08-08 | 2026-09-30 (current) | 19.99% |
Published figures as captured daily since 2026-08-08. A step is the day the provider's published figure changed; days without a published figure carry the last published value.
Features
Who can apply
- min age - 18Additional cardholders must be 16 years old
- natural person
- residency status - Must be an Australian Resident
Limits
- min limit - 3000.00
- max limit - 50000.00
The provider's own documents
Published by the provider under the Consumer Data Right. These are their documents, not ours - they are the authority on this product.
Last updated by data holder: 2026-07-29T04:28:28.751Z · Product ID: c9e36d80-661e-4aad-87d5-90521d174882