long running

Bendigo Bank - Ready Credit Card - $0 Annual Fee, 0% International Fee, Travel Insurance

2001

E5TOQUE on 06/12/2023 - 16:40 bendigobank.com.au (10324 clicks)
Last edited 10/07/2024 - 22:35

Bendigo Bank Ready Credit Card

This is a repost from the original deal here:
https://www.ozbargain.com.au/node/742184/

Remember OzBargain has their Wiki here for all cards similar to Bendigo Bank's Ready Credit Card.
https://www.ozbargain.com.au/wiki/cards_with_no_overseas_tra…

This card could be good for people looking to go on overseas holidays over the xmas/ new year period and beyond.
It has some advantages other cards don't have like a lower minimum credit limit, joint accounts and travel insurance.

Joint Accounts Available

Bendigo Bank support joint credit card holders.
Joint account means the credit facility is opened under two peoples names. Not many banks offer this on credit cards.
https://www.finder.com.au/joint-account-credit-cards

BSB/Account Number linked to the card

Which enables you to send fast payments directly onto the card. No need to send money in via BPAY.
Not all banks support sending fast payments via BSB/Account No, so you will need to check with your respective bank.

Other features

Uses the Mastercard Exchange Rate (https://www.mastercard.us/en-us/personal/get-support/convert…)
0% International Fee
$0 Yearly Fee
Joint accounts available (you apparently need to go into a branch to set this up)
$0 Additional Card Holder Fee
90 Days Travel Insurance (inc cancellation cover)
Extended Warranty on purchases
Purchase Protection on purchases
$3000 minimum credit limit

Bendigo Bank is also considered an 'ethical bank' with no investments in fossil fuel's according to Market Force:
https://www.marketforces.org.au/info/compare-bank-table/

Enjoy.

Financial Credit Card Insurance MasterCard Travel Insurance

Unknown

Related Stores

Bendigo Bank

MasterCard AU

Marketplace

Comments

- - - thangcuoi on 12/09/2024 - 13:43
      
      I dropped off the application in the branch yesterday. Received the rejection today. They should receive credit for the quick turn around and personal service.
      
      After 3 failed attempts and many hours wasted, I'm not likely to apply for their credit card again unless they run some kind of free money/points promo.
      - derweep on 12/09/2024 - 14:57
        
        +1
        
        @thangcuoi: yeah that sux, i gave up after getting the whole lots of stuff they asked for and submitting it only finding out couple of hours later of a rejection. On the bight side, I didn't cancel my 28 degree card and now they're giving 12 months fee free. Hopefully will reapply with bendigo next time and see.
        
        jaysee-teh on 23/09/2024 - 14:27
        
        @derweep: how did you get the 12 months fee free after the 17 sep 2024 period ?
        
        derweep on 24/09/2024 - 00:50
        
        +1
        
        @jaysee-teh: I don't know mate, I didn't cancel my card as I said and had a sms message a couple of weeks later saying 28degree is waiving fee for 12 months. I had this card for a while now, so maybe only targeting the people who's been with them a while??
        
        jaysee-teh on 24/09/2024 - 09:41
        
        +1
        
        @derweep: thanks for your information.
        it seems that they selectively give people 1 year fee waiver and you are the lucky one
AndyRates on 12/09/2024 - 13:38

Anyone got their Bendigo card approved and how long did it take?
- d1000 on 17/09/2024 - 10:59
  
  I applied on 13 August and still waiting…online sounds like it would've been better going into a branch first
  - Vavoom on 17/09/2024 - 11:13
    
    +1
    
    18 August here and still waiting too.
  - abacus on 04/12/2024 - 21:22
    
    About the same. They sms every month to say I'm going up the queue. They had thousands of applications because of 28° closures.
chuckbass on 23/09/2024 - 12:40

+1

It would appear that they're advocating for you to close your latitude account before they'll approve your bendigo application…

Good Afternoon XXX,

We are pleased to advise that you credit card application has been approved, on the condition of closure of your latitude facility.

Upon receipt of confirmation, of the closure of your Latitude facility we will then fund and send your new Bendigo Bank credit card.

Please note the closure confirmation email from Latitude must include your name and last 4 digits of your account/card number. Please reply to this email attaching a copy of your proof of closure from Latitude.

If you are wishing to maintain your current latitude facility, please let us know by replying to this email and we will forward your application for further assessment. Please keep in mind our current turnaround times due to the high volumes of applications at present.
- E5TOQUE on 23/09/2024 - 14:03
  
  To me it reads like that you won't meet their lending criteria if you have both the Latitude and Bendigo Bank credit cards open.
  Closing the Latitude card down would mean you have less credit available to you, and therefore meet then lending criteria to issue you the card.
  
  People who apply for mortgages/car loans etc go through this all the time.
  Access to too much credit (Credit Cards, Loans, Afterpay, Mortgages), etc is seen as a risk and the bank is only willing to take on x amount of risk.
  
  Best talk directly with them to confirm. I'm only guessing here.
- apu on 25/09/2024 - 16:41
  
  Got the same, it was strange as I didn't bother disclosing my latitude card's existence on the application. Took ages to get approved. Maybe 5 - 6 weeks.
pineapple12 on 24/09/2024 - 13:47

Has anyone actually got their card yet?
Applied in August and received a text in September that it has been approved. I thought this would be enough time given that I am travelling in about a month now! Maybe not!
Then I received this message shortly after my application:

Hi, with the unprecedented increase in applications over the last 3/4 weeks, application progression has slowed considerably. Your recent Bendigo Bank credit card application is maintaining position in the queue, and we are working hard to get back to you and will endeavour to keep you informed of your progress. No SMS reply available
- muncan on 25/09/2024 - 08:08
  
  +1
  
  Nup.
  To me they appear to be an SMS company only.
  
  SMS 4/9/24:
  
  Hi, with the unprecedented increase in applications over the last 2/3 weeks, application progression has slowed considerably. Your recent Bendigo Bank credit card application is maintaining position in the queue, and we are working hard to get back to you and will endeavour to keep you informed of your progress. No SMS reply available
  
  SMS 17/9/24:
  
  Hi, Your recent Bendigo Bank credit card application is maintaining position in the queue, and we are working hard to get back to you. The number of applications received recently, has far exceeded our capacity to process them in our usual timely manner and processing times are quite extensive. We will endeavour to keep you informed of your progress. No SMS reply available
  
  SMS 24/9/24 (yesterday):
  
  Hi, your recent Bendigo Bank credit card application has progressed in the queue. We are working hard to get back to you as soon as we can and will endeavour to keep you informed of your progress. No SMS reply available.
  - Vavoom on 25/09/2024 - 12:01
    
    Got another one just then, slowly progressing through the queue etc etc.
    - timhn on 25/09/2024 - 13:50
      
      yep, got one yesterday that my application has progressed in the queue. At least, that's better than maintaining in same spot in the queue , LOL.
      - pineapple12 on 30/09/2024 - 09:09
        
        @timhn: Yeah got that one too. I didn’t think it would take this long since I own other credit cards too !
        
        Tried ringing them up and was on hold for 30 mins…
        
        timhn on 01/10/2024 - 15:37
        
        @pineapple12: Now just received a SMS that my application has slowly progressing in the queue !!!
        
        The approval team from Bendigo is unbelievable.
        
        pineapple12 on 01/10/2024 - 16:27
        
        @timhn: I got this message last Wednesday.
        Hi, Your recent Bendigo Bank credit card application is maintaining position in the queue, and we are working hard to get back to you. The number of applications received recently, has far exceeded our capacity to process them in our usual timely manner and processing times are quite extensive. We will endeavour to keep you informed of your progress. No SMS reply available
        
        I do not believe they are ‘working hard’ seems like a load of BS with all the documents I have given them, and above average salary !!!
        
        I might try going into a physical branch and seeing if that will speed up the process. The only reason I applied for this card is the 0% international fee which is far better than my Amex. But since I am going overseas in 3 weeks I do not think I will get the card in time.
        
        HeWhoKnows on 03/10/2024 - 15:29
        
        -1
        
        @pineapple12: Bendigo bank has one loans manager at each branch that assesses all loans and credit card applications
        
        They are also pedantic about dotting the Is and crossing the Ts and getting information overload on every loan and credit card application.
        
        Then you have a mass movement of people migrating from Latitude because of the new monthly fees and less features.
        
        Add those like myself moving across from BankWest because they have removed the free insurances from thier BankWest Zero (no annual fee) Platinum Mastercard Credit card leaving it completely stripped of any Platinum Features.
        
        So what did you expenct with this onslaught of applicants and only one loans officer for each branch?
        
        HeWhoKnows on 03/10/2024 - 16:01
        
        -3
        
        @HeWhoKnows: Here we go again
        
        Another fool that has NO IDEA and neg voting the FACTS!
        
        If you are unhappy about the facts DONT BLAME ME!
        
        As they say DONT SHOOT THE MESSENGER
Captain Hindsight on 01/10/2024 - 10:50

+1

So slow - Lodged date:Mon, 12 Aug 2024

currently Provisionally Approved
- E5TOQUE on 01/10/2024 - 19:30
  
  +1
  
  Absolutely huge numbers of customers leaving Latitude 28 Degress and Bankwest Zero Platinum cards to go to Bendigo Bank.
  If both of these didn't have T&C changes occur at the same time it would likely have meant much quicker processing times.
  - Captain Hindsight on 01/10/2024 - 19:42
    
    Isn’t Bankwest still free?
    - E5TOQUE on 02/10/2024 - 10:18
      
      +1
      
      It's free, but they removed their included insurances last month.
      
      Bendigo Bank Ready seems to be the only credit card that has zero fees, no international fee and included insurance.
      - HeWhoKnows on 03/10/2024 - 15:51
        
        -3
        
        @E5TOQUE: There are quite a few matercard and Visa debit cards that have no foreign exchange fees.
        Some like Macquarie even have some free basic insurnaces but not free travel insurance.
        
        So if you can get away with no annual fee and free insurances included and use your "no foreign exchange fee" debit card overseas then thats one way around this.
        
        HSBC is one bank that offers the ability to have both of these…
        Their amazing Premier Global mastercard (subject to high qualification standards) has everything you want including points for no annual fee but charges 3% foreign excghange fee. See here: https://www.hsbc.com.au/credit-cards/products/premier/
        
        But HSBC also offers a Global Visa debit card that has no foreign exchange fees.
        See here: https://www.hsbc.com.au/accounts/products/everyday-global/
        
        So you can pair both of the and have the best of all worlds.
        
        They dont have to be with the same bank
        
        Here is another credit card from BankVic that has NO annual fee and Complimentary travel insurance but charges 2% foreign exchange fee. It also earns Qantas FF points and much easier qualification process than HSBC Premier Global Mastercard
        https://www.bankvic.com.au/banking?filter=Credit-Card&produc…
        https://www.bankvic.com.au/complimentary-travel-insurance
        Just pair it up and a No foreign exchange fee debit card.
        There are plenty of then linked to the best savings and transaction accounts in Australia
        For that I recommend the Macquarie Bank Platinum Transaction account which comes with a Platinum Mastercard debit card
        See here: https://www.macquarie.com.au/everyday-banking/transaction-ac…
      - HeWhoKnows on 03/10/2024 - 23:20
        
        @E5TOQUE: But the Bendigo bank ready credit card has NO REWARDS PROGRAM either
        Unless you want to pay $89 or $149 for Bendigo's rewards credit cards
        Many people prefer to have "rewards" in lieu of free foreign transactions.
        Especially when the credit card is FREE!
        
        FREE debit cards with no foreign exchange fees are a dime a dozen
        
        But a free credit cards with complimentary travel insurnace and more are hard to come by.
        And only the 2 that I mentioned with rewards programs included as well!!!!!
- danzha on 11/10/2024 - 14:27
  
  Delayed response, but you might be gladdened to know that I took a call from one of the Bendigo Bank staff yesterday.
  
  They advised me that there's a significant backlog and they're currently working through applications from 14 August, so hopefully not too much longer for your application!
danzha on 11/10/2024 - 14:26

I'm another Latitude 28 Degrees refugee that applied for this card over the weekend.

Took a call from one of the Bendigo Bank staff and on the call they advised me that there's a significant backlog and they're currently working through applications from 14 August, and that it would likely be another month or so before my application would get assessed.

Suggest others who may be applying for this card to look at other alternatives if you have a pressing need for a credit card (e.g. upcoming overseas travel plans).
- Captain Hindsight on 11/10/2024 - 15:37
  
  +3
  
  I think they might be exaggerating saying 14th of August. We’re still waiting and I applied on the 12th.
  - Vavoom on 12/10/2024 - 10:55
    
    +2
    
    Yup still waiting here from 18 August. Don't think it'll arrive by the time I have to fly on the 23rd of October. It has been almost two months.
    - timhn on 12/10/2024 - 16:35
      
      Same here. Applied on 17th and still waiting. Last SMS from them was that my application is "progress slowly". With this rate, hope they'll get to my application by Dec because i will travel in Jan !!!
    - Vavoom on 21/10/2024 - 16:54
      
      Just an update on this, just got provisionally approved today 21 Oct. Much too late for my trip in two days but I guess that'll be my online international transaction card from now on.
      Meanwhile, Up got my business
      - timhn on 22/10/2024 - 14:23
        
        +1
        
        @Vavoom: I heard that you can add it to your Google/Apple wallet before the physical card arrived - provided after they fully approved you of course, may be in a day or two.
        
        Vavoom on 22/10/2024 - 14:24
        
        @timhn: Thanks for that. I just checked and yep, I can add the digital card to my Apple wallet so that helps.
- HeWhoKnows on 13/10/2024 - 20:21
  
  -4
  
  If you are looking for other credit cards with no annual fee and free insurances included and are prepared to use your "no foreign exchange fee" debit card overseas then here are 2 alternatives.
  
  The HSBC Premier Global mastercard (subject to high qualification standards) has everything you want including rewards points for no annual fee but charges the std 3% foreign exchange fee.
  See here: https://www.hsbc.com.au/credit-cards/products/premier/
  
  Alternatively the BankVic Qantas Visa credit card also has NO annual fee and Complimentary travel insurance but charges 2% foreign exchange fee. It also earns Qantas FF points and much easier qualification process than HSBC Premier Global Mastercard.
  NB: You dont have to be a member of The Police Association of Victoria (TPAV) and the Victorian Ambulance Union (VAU)
  In this case you can pay $10 to buy shares in the bank and I suggest you select "Public Service" from the list of categories in the drop down box.
  https://www.bankvic.com.au/banking?filter=Credit-Card&produc…
  https://www.bankvic.com.au/complimentary-travel-insurance
  - YesPleaseThankYou on 14/10/2024 - 18:02
    
    +1
    
    NB: You dont have to be a member of The Police Association of Victoria (TPAV) and the Victorian Ambulance Union (VAU)
    
    That's contrary to what the BankVic site says.
    
    BankVic membership is open to police, emergency and health workers, government department employees, and immediate family of current members.
    
    Source: https://www.bankvic.com.au/get-help/faq
    
    In this case you can pay $10 to buy shares in the bank and I suggest you select "Public Service" from the list of categories in the drop down box.
    
    Are you suggesting that people do that even where they are not in the Public Service (APS or State Govt)?
    - HeWhoKnows on 15/10/2024 - 08:30
      
      -1
      
      You answered your own question
      
      As you know OBers are experts at such money saving hacks
      
      Cheers
      - YesPleaseThankYou on 15/10/2024 - 08:32
        
        +1
        
        @HeWhoKnows:
        
        You answered your own question
        
        You're suggesting that people give fraudulent answers to a financial institution.
        
        That's a good way to get your accounts locked.
        
        HeWhoKnows on 15/10/2024 - 08:35
        
        -1
        
        @YesPleaseThankYou: I just went through the application process and must be a member of The Police Association of Victoria (TPAV) or the Victorian Ambulance Union (VAU)
        
        Sorry about that
Captain Hindsight on 21/10/2024 - 17:21

Decided to apply for Bankwest zero as well, applied Friday 18th October, approved and card on the way today. Wife still waiting for Bendigo applied August 12.
- HeWhoKnows on 29/10/2024 - 08:17
  
  Chalk and cheese..
  
  BankWest Zero Mastercard no longer has any INSURANCES. They have all been removed.
  
  All you get is the fee-free foreign exchange transactions and ATM withdrawals.
  Which you get as standard with any non-major bank debit cards anyway (including the Bankwest Mastercard debit card)
  
  If you want complimentary travel insurance with Bankwest you need the Bankwest Breeze Platinum Mastercard @ $59 annual fee
  But that still works our much cheaper than buying travel insurance.
  - Captain Hindsight on 29/10/2024 - 09:12
    
    Fortunately I have another no annual fee card that provides all that plus lounge access. Plus it earns points when I book so never use travel card for that.
    - HeWhoKnows on 31/10/2024 - 17:17
      
      -1
      
      Yep. me too….The HSBC Premier World Mastercard.
      
      Yours is ????
      - Captain Hindsight on 31/10/2024 - 18:03
        
        @HeWhoKnows: Citibank premier
timhn on 22/10/2024 - 14:14

+4

Received the message (+ email) this morning that they have approved my application.

Applied 17th/Aug, approved 22th/Oct.
- Utsav23 on 25/10/2024 - 08:50
  
  I will wait for my outcome, applied;Aug 20,2024
  - Utsav23 on 25/10/2024 - 16:49
    
    Update: Card approved. Received the email and sms this morning. Took more than 2 months.
    - HeWhoKnows on 29/10/2024 - 08:23
      
      +1
      
      I did well then.I beat the "rush"
      Mine took 5 weeks back in July
      - timhn on 01/11/2024 - 19:38
        
        +1
        
        @HeWhoKnows: Finally received the physical card today - nearly 2 weeks after approved. All up 11 weeks since applied.
        
        HeWhoKnows on 02/11/2024 - 09:23
        
        -1
        
        @timhn: Did you get the credit limited you requested?
        Mine was pruned back
        
        timhn on 02/11/2024 - 09:46
        
        @HeWhoKnows: No, asked only for $5K and got that.
bodri on 28/10/2024 - 13:15

I have received my new Bendigo Ready credit card and wish to set up a direct debit payment from another bank to pay off in full each month. Previous recollection when setting up for 28 Degrees payments there was a form to fill out provided by credit card provider. Bendigo Bank customer service has said I need to contact my other bank. Has anyone set up direct payments from external bank and if so, what was the process please.
- timhn on 28/10/2024 - 17:01
  
  See here https://www.ozbargain.com.au/node/863343
- HeWhoKnows on 29/10/2024 - 08:26
  
  Totally incorrect.
  
  Contact your local branch and get them to send (email) you the Direct Debit Request form.
  
  But I had to drop mine into my local branch. (after completed)
  They check everything in the branch before sending for processing.
  
  Here is the Bendigo bank Direct Debit Request form for anyone that needs it
  
  https://files.ozbargain.com.au/upload/137118/116888/direct_d…
  - bodri on 29/10/2024 - 09:04
    
    Thanks for this. Username checks out.
    - HeWhoKnows on 29/10/2024 - 18:04
      
      -1
      
      What user name?
      - muncan on 31/10/2024 - 22:59
        
        @HeWhoKnows:
        
        What user name
        
        🙄
Frozensage on 13/11/2024 - 15:05

so Im getting a new loan and also wanting to apply for this card. Does the credit check happen when you apply or during that 2 month?
- timhn on 13/11/2024 - 18:12
  
  The credit check is almost immediately the moment you click submitted!!
Captain Hindsight on 14/11/2024 - 12:46

After months of waiting getting texts apologising for delays and telling us to be patient we logged in today and it says the application has been withdrawn. no notification or anything Bendigo bank stinks
- HeWhoKnows on 18/11/2024 - 08:18
  
  If you have other credit cards and loans, most likely thats why you were unsuccesful.
  Bendigo bank is VERY CONSERVATIVE
  - Captain Hindsight on 18/11/2024 - 09:17
    
    Sounds about right, it was my wife actually but she doesn't have any debt, cards and over 100k in bank, been at her employer for 24 years.
- drmarshall on 20/11/2024 - 07:58
  
  How did you log in, did you use your application number?
nanny0tt on 18/11/2024 - 09:38

+1

Applied Sep 1st and got approved today ¯_(ツ)_/¯ this is crazy
- HeWhoKnows on 19/11/2024 - 13:55
  
  Lucky for you, got approved!
timhn on 19/11/2024 - 20:44

Has anyone seen a Bendigo's enquiry in your credit file? Until now, I haven't seen anything from Bendigo on my credit file since applied in mid August. Other banks would have turn up in my file within a month or two.
freeb1e4me on 21/11/2024 - 00:11

International Travel Insurance
Part A - Eligibility for Cover Who is eligible?
As a cardholder, you are eligible for the cover available under this International Travel Insurance when you meet all of the following criteria:
1. you reside in Australia (including holders of a visa issued under the Migration Act 1958 (Cth) which entitles the holder of the visa to residency);
2. before leaving Australia you spend at least $500 on your prepaid travel costs, for example, your return overseas travel ticket, your prepaid overseas accommodation, your prepaid cruise, travel or tour, and you charge these costs to the accountholder’s card account; and
3. you have a return overseas travel ticket before you leave Australia; and
4. you are aged under 81 years at the time you become eligible for the cover available by meeting conditions 1 to 3 listed above.

Do you have to notify the bank or underlying insurer to activate this complementary travel insurance or just do point 1. and you’re magical set to go?
- HeWhoKnows on 23/11/2024 - 08:36
  
  -3
  
  Point 2 actually
  - timhn on 23/11/2024 - 10:06
    
    -1
    
    You must qualify for all of the points there, but don't need to notify them.
    
    Australia resident + paid at least $500 towards travel costs + have return tickets + under 81yo (this is tricky one , what if you're turning 81yo while travelling? I guess you rather get special insurance than this if you are reaching 80yo )
    - HeWhoKnows on 24/11/2024 - 18:10
      
      -1
      
      Correct but Im just correcting the question
      Do you have to notify the bank or underlying insurer to activate this complementary travel insurance or just do point 1
      
      You need to "action" point 2 to "activate"
      The rest are all "qualifiers" as you correctly stated
- YesPleaseThankYou on 24/11/2024 - 19:07
  
  I mean, it's pretty clear:
  
  you are eligible for the cover available under this International Travel Insurance when you meet all of the following criteria:
  
  All means all.
Daniel Plainview on 04/12/2024 - 16:57

3mth waiting time for them to process a $3k credit limit approval - on lets just say an applicant that had a bloody high score.

Be aware this bank runs itself like it's the 1970's so you have to go into a physical branch to fill out a paper form to have your account balance paid off fully each month (thus avoiding interest charges). And I found their customer service team incredibly slow - so the card was cancelled after just a week, near 4mths all for naught.
- MondaySleeper on 05/12/2024 - 06:48
  
  They have BPay option as per their help page cant we use that for paying off the statement amount each month? I just got the card after 3 months wait and not used yet.
  - Daniel Plainview on 05/12/2024 - 14:34
    
    LOL I'm an ex-card holder now - so take this with a grain of salt. I believe yes you can use BPay to pay off the card (fees might apply dunno) but if you want to automatically pay off the full balance each statement period, they make you jump through the hoops going into a branch - why? As they do NOT want you to do that - as it means they get no interest/late fees etc - guaranteed!
    
    Even Latitude Financial, who are bodgy as had this available via their members online section to easily select - but bendigo?? Paper in brand ONLY, would not even email it to me via a secure request from the online section of your account. Utter nutters in 2024 if that is how they hand;e, wouldn't even explain why this was the case - standard 'Its our policy' BS.
souths123 on 04/12/2024 - 16:59

a pain that you have to go into a branch to open an account if a new customer….I'm not driving 35 minutes to my nearest. Should be able to open an account online with valid ID
- rith on 04/12/2024 - 17:03
  
  Yeah I'd love to migrate to this card, coming from Bankwest but even asking for the lowest credit limit allowed I was instantly rejected after submitting my documents. Would sort it out in branch but none of them are open on Saturdays and I'm not going to take time off work just to do this.
  
  Guess I'll stick to the ubank debit card for international transactions! (and actually buy travel insurance for my next trip..)
  - souths123 on 04/12/2024 - 19:12
    
    I have been using the HSBC card for international when travelling, plus get the 2% cashback here for less than $100 tap
- AngryBlobFish on 04/12/2024 - 20:23
  
  I didn't have to go into a Branch at any point during my application process even though I was a new customer. It did however take 2.5 months for my application to be approved.
  - souths123 on 05/12/2024 - 07:30
    
    I wanted to open a savings account with them earlier this year but it said if not a current customer had to go in to open
burningrage on 04/12/2024 - 17:03

Nearly 3 months application time, provisionally approved, only to be declined for really obscure reason (generic reasons). Meanwhile, I went to BankWest and that was approved and dusted within 1 week (3 days if using GPay).
Captain Hindsight on 04/12/2024 - 17:45

+1

Good luck with these guys, wait times terrible so if you’re travelling in next few months unlikely to get in time. Even a rejection takes months.
muwu on 04/12/2024 - 17:53

Liked the look of this card when I did my DD last year but ended up with ING's Orange One
radicalvin on 04/12/2024 - 18:45

It took me less than 3 days from application to approval. I was rejected online, so I booked a time in person with one of the branch. Make sure you have all your financial records in order, income and expenditure. Good luck 🙂
- jaysee-teh on 04/12/2024 - 19:01
  
  you got rejected when you applied online, but then gets approved when you get assessed via branch ?
  - muwu on 04/12/2024 - 19:48
    
    Is that a question or a paraphrase?
    - jaysee-teh on 04/12/2024 - 20:27
      
      Question to confirm my understanding
  - radicalvin on 04/12/2024 - 20:45
    
    Yes that’s correct, they obviously use a conservative algorithm online which in most cases should work with no issues.
    
    I would still suggest to go in branch because your application can get expedited instead of waiting for the online queue
    - jaysee-teh on 04/12/2024 - 20:46
      
      Thank you for your confirmation
- burningrage on 04/12/2024 - 21:22
  
  Ooh. That's an idea.
KingJuf on 04/12/2024 - 19:02

Had mine for around 6 months now, been pretty handy and managed to get it sorted quickly with a phone call for credit check processing. One thing that was annoying is I had to go into a branch and fill out a manual form to setup automatic direct debit. Felt like they definitely didn't want me to pay the full closing balance each month.
tc423 on 04/12/2024 - 19:16

-2

No points? What’s the point getting this card?
- Emphasise on 04/12/2024 - 19:46
  
  +3
  
  No annual fee, free travel insurance, no international transaction fees, good card to have when traveling.
- muwu on 04/12/2024 - 19:51
  
  ☝️
  
  And the no points (with its fees and minimum spends) can be considered one of the positives when you factor in the statistical increase in expendenditure the average person with such a CC incurs.
- timhn on 04/12/2024 - 20:04
  
  What’s the point getting this card?
  
  This is the travel card. Apply and then put in drawer to keep for next trip overseas.
  
  Also this is the card to get for anyone within 6 months to their retirement.
  
  The BBS/account feature seems unique for a CC (also Osko-ready). Very handy for quicky top-up when you near credit limit but need to spend urgently.
mreddie on 04/12/2024 - 19:44

+2

This card sounds painful to apply for. What's the next best card, I have the Bankwest Zero currently.
- drmarshall on 04/12/2024 - 20:32
  
  It is, I applied in October and have got nothing but we are working on it sms messages. I think that's the best according to the responses her for international rates and no fee.
  - applechewz on 05/12/2024 - 11:34
    
    I applied during the first week of October and received a call letting me know that they’re currently processing applications from the first week of September. They mentioned it will take another 2–3 weeks before they reach applications from October.
- ippy on 04/12/2024 - 21:07
  
  get the bw platinum instead
BrownClown on 04/12/2024 - 21:12

Long wait to get approved. Have been waiting since September after submitting all required docs. Comms from the bank have been decent with an occasional sms letting me know they haven’t forgotten me and I’m progressing through the queue.