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Our verdict

Offers Qantas Points per $1 spent and complimentary travel insurance, with a $149 p.a. annual fee.

The Bendigo Bank Qantas Platinum gives you a way to earn Qantas Points as you spend and offers membership to the program without the usual $99.50 Qantas Frequent Flyer joining fee. It's earn rate of 0.6 Qantas Points per $1 is similar to other frequent flyer cards with annual fees around the same price point. But make sure the 20,000 monthly points cap doesn’t limit the number of points you could earn based on your average monthly spending.

This card also offers complimentary international travel insurance and purchase insurances. But if you take it overseas, keep in mind that there is a 3% foreign transaction fee, which could add to your costs when compared to a card that offers 0% foreign fees.

Pros

Earn 0.6 Qantas Points per $1 spent.
Get up to 55 days interest-free on purchases.
This card comes with 90 days of comprehensive travel insurance and extended warranty on purchases.

Cons

The standard purchase rate of 19.99% p.a. is relatively high if you carry a balance.
Transferring existing credit card debt incurs a high 21.99% p.a. interest rate on balance transfers.

The Bendigo Bank Qantas Platinum Credit Card is suited to people who want frequent flyer points and modest perks through their credit card. It earns 0.6 Qantas Points per $1 spent, which is on par with cards that have a similar annual fee but not the highest rate out there.

It also offers complimentary international travel insurance and complimentary membership to the Qantas Frequent Flyer program (normally $99.50). Just make sure the value you'll get from points and perks is enough for you to justify the $149 annual fee.

Details

Product details

Product Name	Bendigo Bank Qantas Platinum Credit Card
Balance transfer rate p.a.	21.99%
Balance transfer limit	80% of available limit
Purchase rate p.a.	19.99%
Interest-free period	Up to 55 days on purchases
Cash advance rate p.a.	21.99%
Min credit limit	$3,000
Max credit limit	$50,000
Card type	Mastercard

Eligibility

Available to temporary residents	No
Minimum income	$35,000
Joint application	No

Rewards

Rewards program	Qantas Frequent Flyer
Bonus points	N/A
Rewards points per $ spent	0.6
Rewards points cap	20,000

Fees

Annual fee	$149
Minimum monthly repayment	3% of the closing balance or $10, whichever is greater
Late payment fee	$15
Foreign currency conversion fee	3%
Cash advance fee	0.5% or $3.25, whichever is greater
Overseas cash advance fee	0.5% or $3.25, whichever is greater
Overseas ATM withdrawal fee	$5
Additional cardholder fee	$0

How to apply

You can apply for the Bendigo Bank Qantas Platinum Credit Card online in around 15 minutes. Get started by checking the eligibility criteria and what details you'll need to complete the application.

Eligibility criteria

Age. You must be at least 18 years old to apply for this card.
Residency. Permanent Australian residents and Australian citizens are eligible to apply.

Credit history.You should have good credit score and can only apply for this card if you're not bankrupt or insolvent.
Personal card. Only individuals can apply for this card. If you want a card for your company, you may want to consider a Bendigo Bank business credit card instead.

Required documents

Personal information. This includes your full name, date of birth, relationship status and number of financial dependents. You'll also need a valid form of ID such as your driver's licence, Medicare card or passport.
Employment and income. Confirm your employment status, role, employer's details and salary. You can confirm your annual income with recent payslips or bank statements. This also includes other sources of income, such as government benefits or superannuation payments.
Finances. This includes details of your household expenses, such as bills, grocery spending and any loans or debts.

Card benefits

Qantas Points per $1 spent. You'll earn 0.6 Qantas Points per $1 spent on eligible purchases up to 20,000 points per month. This includes most everyday spending but does not cover transactions such as cash advances, balance transfers, BPAY payments, business expenses or government charges (including payments to the Australian Tax Office).
Waived Qantas Frequent Flyer joining fee. If you're not already a Qantas Frequent Flyer member, you can save on the $99.50 joining fee with this card. Just follow the Qantas Frequent Flyer sign-up link provided by Bendigo Bank and complete your enrolment.

Complimentary travel insurance. This card offers complimentary international travel insurance for trips of up to 90 days when you use it to pay for the total value of your return overseas ticket. It also covers your spouse and any dependent children travelling with if they meet the eligibility requirements. Please see the insurance policy on the Bendigo Bank website for more details.
Complimentary purchase insurance covers. This card offers up to 90 days purchase protection insurance against theft, loss or damage.

Mastercard Priceless Cities. You'll access exclusive discounts and offers on a range of entertainment, dining, travel and other lifestyle experiences through the Mastercard Priceless Cities program. Visit the priceless.com website, sign up and use your card to claim the available offers.
Mobile payment technology. You can use your eligible smartphone or device to tap and pay when you link your account with Apple Pay, Google Pay, Samsung Pay. You can also use your fitness tracker to make contactless payments with Fitbit Pay and Garmin Pay.

Rates & fees

Annual fee. This card has an annual fee of $149 p.a.
Interest rates. Outside of any promotions, the Qantas Platinum Credit Card charges an interest rate of 19.99% p.a. on purchases.

Balance transfers. If you have existing credit card debt, this card charges a 21.99% p.a. interest rate and allows you to transfer up to 80% of your approved credit limit from credit cards not issued by Bendigo Bank.
Interest calculations. Unlike most other cards that calculate interest from the date a purchase is made, Bendigo Bank credit cards calculate interest from the statement date. Depending on when you make a purchase, this has the potential to reduce your interest costs. It also means you can take advantage of interest-free days even if you carry a balance.
Interest-free days. This card offers up to 55 days interest-free on purchases.
Cash advance rate. If you use this card to get cash out or for another cash advance transaction, a standard variable interest rate of 21.99% p.a. will apply from the time of the transaction.
Cash advance fee. Any cash advance transactions made with this card will attract a fee worth $3.25 or 0.5% of the transaction amount (whichever is greater).
International transaction fee. A fee worth 3% will be charged for each transaction made in a currency other than Australian dollars.

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Amy Finder

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savio

February 15, 2023

Does the Bendigo Bank Qantas Platinum Credit Card has or offer free of charge a complimentary International/Europe rental car excess cover?

thank you

Amy Bradney-George Finder

March 03, 2023

Hi Savio,

Yes, the Bendigo Bank Qantas Platinum Credit Card offers complimentary rental vehicle excess insurance up to a maximum of $5,500 when the entire rental cost is charged to the credit card. The cover starts when you take possession of the vehicle.

The Bendigo Bank Credit Card Insurance Terms and Conditions effective from 30 November 2022 (pdf), has full details of this cover and the other complimentary insurances offered on this card. I hope that helps.

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Ray

September 25, 2019

I don’t understand “balance transfers.” Could you explain, please?

Joshua Finder

September 25, 2019

Hi Ray,

Thanks for getting in touch with Finder. I hope all is well with you. 😃

Balance transfers could actually help you pay off debt because it gives you a time frame where you don’t earn interest on your balance. A balance transfer allows you to move your existing credit card debt to a new credit card with a lower or 0% rate of interest.

You may refer to our list of balance transfer offers. As you would see on the page, the length of the promotional period can vary from 6 to 36 months. Once the introductory period ends, any remaining balances will start to collect interest at the standard purchase or cash advance rate.

See how balance transfer works. Our guide will also tell you how a balance transfer can help you pay off your debt.

I hope this helps. Should you have further questions, please don’t hesitate to reach out again.

Have a wonderful day!

Cheers,

Joshua

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Ray

April 12, 2019

Do any of Bendigo Bank’s Platinum credit cards allow complementary travel insurance if you only pay a minimum set amount on your credit card i.e. if you have paid a deposit or can you pay the rest on total of travel balance? Do any of the platinum credit cards allow you to pay a minimum part of your trip for their complementary travel insurance?

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Jeni Finder

April 13, 2019

Hi Ray,

Thank you for getting in touch with Finder.

Not all Bendigo Bank’s credit cards have complimentary travel insurance like Bendigo Bank Low Rate Platinum Mastercard and Bendigo Bank Low Rate First Mastercard. Bendigo Bank credit card insurance is underwritten by Allianz Global. The cover is effective where the total value of the return overseas travel ticket for your journey was obtained prior to the commencement of your journey and was charged to your eligible Bendigo Bank credit card account. The use of frequent flyers or reward-type points does not activate cover.

If you’re looking a credit cards with complimentary travel insurance, you can use our comparison table to compare credit cards by looking at their fees as well as their terms and rates. Once you’ve chosen a card, you may click on the “Go to site” to be redirected to their official page where you can check more details or even start your application.

Please make sure though to read the eligibility criteria, features, and details of the card, as well as the relevant PDS/ T&Cs of the card before making a decision and consider whether the product is right for you.

I hope this helps.

Thank you and have a wonderful day!

Cheers,

Jeni

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Robin

November 19, 2018

When does the travel insurance start from – the date I buy the ticket or the date I fly? My wife and I are going to Europe on 30th April 2019, for 6 months, but I intend buying tickets in the next couple of weeks.

Jhezelyn Finder

November 19, 2018

Hello Robin,

Thank you for your comment.

According to the Bendigo Credit Card Insurance terms and conditions, the cover is effective where the total value of the return overseas travel ticket for your journey was obtained prior to the commencement of your journey and was charged to your credit card account.

Hence, it begins after you purchase the ticket using the said card.

Should you wish to have real-time answers to your questions, try our chat box on the lower right corner of our page.

Regards,

Jhezelyn

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Kwozzy

October 28, 2018

I want to purchase bulk products from a Chinese manufacturer and to pay with a credit card. How can I pay them with a credit card and will it get charged as a cash advance or legitimate purchase?

John Basanes Finder

October 31, 2018

Hi Kwozzy,

Thank you for leaving a question.

If you are paying the purchase by using the credit card directly then this would be taken against your credit limit which would make it a normal purchase. If you withdraw the cash from an ATM to pay the manufacturer then it is considered a cash advance. You may be able to pay the manufacturer if he has an EFTPOS machine where you may be able to swipe the card to make the payment. The Manufacturer may also have a way to have you pay securely online but you may need to contact them to confirm if they have this available. Hope this helps!

Cheers,

Reggie

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Bendigo Bank Qantas Platinum Credit Card

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