Bendigo Bank Ready Credit Card packed with perks, no annual fee, zero overseas transaction fees and free travel insurance for Aussies

Why many Aussies are switching to this no-fee travel card

For travellers wanting to keep costs down, the Bendigo Bank Ready Credit Card stands out with a clear selling point: no annual fee. Australians who travel regularly recognise how much those annual and foreign transaction fees can add up, so a card that removes them makes budgeting for trips easier.

This card is positioned as a no-fee travel credit card for everyday use and international spending, offering sensible value rather than flashy rewards. That practicality appeals across Australia, from Sydney commuters to holidaymakers flying out from Brisbane.

Key travel perks and protections

Zero overseas transaction fees mean you avoid the usual 2–4% levy other cards add when spending in foreign currencies, which makes dining, shopping and booking accommodation overseas cheaper. The card also includes complimentary travel insurance that provides cover for medical emergencies and trip interruptions when you meet the eligibility criteria.

On top of that, purchase protection and extended warranty cover help protect big buys made before and during your travels. Digital wallet compatibility and contactless payments keep things fast and secure at overseas terminals, which is handy for hectic travel days.

Costs, interest and common gotchas

While there’s no annual fee and no foreign transaction fees, cardholders should watch the standard purchase interest rate and the cash advance rate, which can be higher. Late payment fees also apply, so setting up direct debit or automatic payments helps avoid penalties and keeps your credit record clean.

Compare this option to reward cards if you want points or frequent flyer perks, because this Bendigo Bank option focuses on savings and protection rather than earning rates. For travellers who value straightforward savings on overseas spending, the trade-off is often worth it.

How to apply and best ways to use it

Applying is simple: complete the online application via the Bendigo Bank website and make sure you meet the basic criteria, like being an Australian resident aged 18 or over. Processing is usually fast, and if approved you can add the card to your digital wallet for immediate use on compatible devices.

To get the most from the Bendigo Bank Ready Credit Card, use it for international bookings and large purchases to benefit from purchase protection and travel insurance, and avoid cash advances. Keep an eye on your billing cycle to maximise the interest-free period and set up alerts to spot any unusual activity quickly.