In this guide, we’ll walk you through how to apply for the Bendigo Ready Credit Card in just a few simple steps.
Before we dive in, let’s recap some of the key benefits that make this card worth considering:
First, it’s ideal for travellers, helping you avoid international transaction fees.
Second, if security is your top priority, you’ll appreciate the extra protections, like travel insurance and real-time monitoring of your card activities.
Lastly, tech enthusiasts can manage their finances effortlessly through the Bendigo app.
Ready to apply? Let’s check the requirements, documents, and step-by-step application process.
Who Can Apply?
- You must be at least 18 years old.
- You cannot have a poor credit history; bankruptcy may disqualify you.
- Applicants must demonstrate a regular income, whether through full-time, part-time, or self-employment.
- The card is for personal, not business use.
- You need to be an Australian citizen or resident.
Documents You’ll Need
- Identification: Driver’s licence, Medicare card, or passport and visa for residents.
- Proof of income: The last two payslips, bank statements from the last three months showing credited income, or your latest ATO tax return.
- For self-employed applicants: Your latest personal tax return, along with the notice of assessment.
- If you have rental income: A rental appraisal from a real estate agent or licenced valuer, or statements proving the property is occupied and that you regularly receive rental payments.
What Will My Initial Credit Limit Be?
Once you’ve submitted your application and provided the necessary proof of income, Bendigo Bank will determine your ideal credit limit based on your financial information.
The Bendigo Ready Credit Card has a minimum limit of $3,000, but this can increase depending on your credit profile.
If you show responsible card usage and make timely payments, you may even qualify for a limit increase in the future.
How to Apply for the Bendigo Ready Credit Card (If You’re Already a Customer)
If you’re already a Bendigo Bank customer, you might have a pre-approval waiting for you. Simply log in to your internet banking using your ID and check your account for any available offers.
If there’s no offer showing, you can still head to the “Cards” section in the menu and start the application process.
How to Apply for the Bendigo Ready Credit Card (If You’re a New Customer)
If you’re new to Bendigo Bank, applying for the Bendigo Ready Credit Card is easy, and you have two options: in-branch or online.
To apply online:
- Start the online application: Enter your preferred credit limit (just remember, the amount you request isn’t guaranteed—Bendigo Bank will review it based on your income and other criteria).
- Provide financial details: You’ll be asked to input your employment details and income information.
- Enter your personal details: Complete this section with your basic personal information.
- Verify your identity: Upload photos of your identification documents to finalise the application.
Activating Your Card After Approval
Once your application is approved, you’ll receive confirmation via email, and your physical card will arrive at your address within a few business days.
Before you can use it, you’ll need to activate the card. You can do this via the Bendigo app, internet banking, or by calling their customer service team.
For assistance, you can reach Bendigo Bank through the following numbers:
📞 1300 236 344 (within Australia) or +61 3 5445 0666 (from overseas – standard international call rates apply)
📞 For insurance claims: 1300 557 155
And that’s it! Enjoy all the benefits of your Bendigo Ready Credit Card.