With end-of-year holidays fast approaching, Bendigo Bank’s new Bendigo Ready credit card aims to target Aussie consumers set to jet off overseas in the coming months and beyond.

This comes a week after HSBC launched its own frequent flyer credit card, partnering with global airline alliance Star Alliance.  

Bendigo Bank’s new product may not be a frequent flyer credit card yet will deliver some of the platinum perks that typically come associated with more premium credit cards.

Bendigo Bank notes the minimum credit limit for the Bendigo Ready credit card is $3,000, with minimum repayments of $10 per month or 3% of the closing balance – whichever is greater.

For reference, Bendigo Bank’s Bendigo Ready Credit Card operates as a Mastercard.

Bendigo Ready Credit Card features

No annual fees, no international transaction fees

Bendigo Ready credit card offers no annual fees and no international transaction fees when making purchases overseas.

0.00% p.a. purchase rate for 18 months

Bendigo Bank detail no interest will be charged on purchases for the first 18 months from account opening. After a period of 18 months from the date the account is opened, the remaining purchase balance will revert to the purchase interest rate of 19.99% p.a.

Interest-free for 55 days

When using the Bendigo Ready credit card, the 55-day interest-free period consists of the 30-day statement cycle, plus an additional 25 days to the payment due date.

Bendigo Bank notes 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.

Travel insurance

The Bendigo Ready credit card offers up to 90 consecutive days complimentary travel insurance, for those aged under 76 years.

This insurance falls under AWP Australia, trading as Allianz Global Assistance.

Purchase protection

For all purchases, Bendigo Ready offers 90-day purchase protection on stolen, damaged or permanently lost purchases.

No additional cardholder fees

Bendigo Bank will charge no additional fee for extra cardholders looking to take advantage of the Bendigo Ready credit card.

Mobile payments

Apple Pay and Google Pay can be used wherever customers can make contactless purchases, online, and at participating retailers in store.

Bendigo Ready Credit Card Fees

Bendigo Bank says customers will be charged no annual fees or international transaction fees for the life of the credit card.

Other fees customers may incur include:

Interest on purchases

0.00% p.a. for 18 months, 19.99% p.a. thereafter.

Interest on cash advances

19.99% p.a.

Balance transfer interest rate

19.99% p.a.

Late payment fee


Minimum credit limit


Minimum repayments

Greater of $10 or 3% of closing balance each month.

Bendigo Ready Credit Card Eligibility

To be eligible to receive a Bendigo Ready Credit Card, applicants must: 

  • Be over the age of 18 and an Australian resident.
  • Not currently be bankrupt or insolvent.
  • Be looking for a credit card for personal use only.
  • Receive regular PAYG income.

Documents required for Bendigo Ready Credit Card applications include:

  • Identification including a combination of driver’s license, passport and Medicare card.
  • Financial information - income and expenses, assets and liabilities.
  • Income verification documentation from the last 3 months, such as payslips, bank statements and rental income.

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