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Our verdict

Offers Qantas Points on eligible purchases and complimentary insurance options, with an $89 annual fee for each cardholder.

The Bendigo Bank Qantas Business Credit Card gives you a way to manage business expenses and earn rewards, with features including individual card limits, itemised statements and Qantas Points on eligible spending. Unlike many cards, it even offers Qantas Points for eligible government transactions, such as payments to the Australian Taxation Office.

Qantas Points earned with this card go into a Qantas Business Rewards account, where you can then transfer them to individual Qantas Frequent Flyer accounts. If you travel a lot for work, having access to Qantas Business Rewards will give you access to exclusive savings on flights, Qantas Club membership and other select Qantas services. The card’s complimentary domestic travel insurance could also give you more peace of mind.

The Bendigo Bank Qantas Business credit card has an annual fee of $89 per cardholder. So, if you want to get additional cards for employees, make sure you weigh this cost against the potential benefits and convenience of managing your business spending under one account.

Pros

Earn 0.6 Qantas Points per $1 spent on eligible purchases
Comes with complimentary domestic travel insurance and up to $50,000 for unauthorised transactions
Save 20% on Qantas Club memberships

Cons

The purchase rate of 19.99% p.a. is relatively high

The Bendigo Bank Qantas Business Credit Card is suited to business owners who want to earn points for work-related spending. You'll earn 0.6 Qantas Points per $1 spent on eligible domestic and international transactions, capped at 30,000 per statement period.

It also offers integration with MYOB and Xero accounting software, as well as complimentary unauthorised transaction insurance and domestic travel insurance. And If you want to share the account with employees, you can request additional cards – but keep in mind that each one attracts an annual fee.

Details

Product details

Product Name	Bendigo Bank Qantas Business Credit Card
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	$500
Max credit limit	$50,000
Card type	Mastercard

Eligibility

Available to temporary residents	No
Joint application	No

Rewards

Rewards program	Qantas Business Rewards
Bonus points	N/A
Rewards points per $ spent	0.6
Rewards points cap	30,000

Fees

Annual fee	$89
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

How to apply

You can apply for the Bendigo Bank Qantas Business Credit Card in a branch. You can also contact the bank for more information by calling 1300 236 344 or by filling out a contact form on the Bendigo Bank website.

Bendigo Bank will then go through the key eligibility requirements and request documents and details as part of the application process.

Card benefits

Qantas Points per $1 spent. You'll earn 0.6 Qantas Points per $1 spent on most eligible purchases and 0.3 Qantas Points per $1 spent on eligible government charges. This covers most spending but excludes transactions such as fees, cash-equivalent spending, balance transfers and gambling transactions. Note that Qantas Points are capped at 30,000 per statement period, or 360,000 per year.
Complimentary Qantas Business Rewards membership. To earn Qantas Points through this card, you need to link it to a Qantas Business Rewards accounts (rather than a personal Qantas Frequent Flyer account). While the membership fee is normally $89.50, this fee is waived if you're approved for the card.

Discounted Qantas flights and Qantas Club membership. As a member of Qantas Business Rewards, you and your employees can get 10% off the base fare on eligible flights and save with a 20% discount on Qantas Club memberships.
Complimentary insurance. This card offers complimentary domestic travel insurance, extended warranty insurance and purchase protection insurance for eligible purchases made with the card. You'll also get unauthorised transaction insurance worth up to $50,000 per year.
MYOB and Xero compatibility. You can get data feeds set up from this account to either MYOB or Xero. This can save you time on manually importing information about each transaction.
Mobile payment technology. Make contactless payments from your mobile devices via Apple Pay, Google Pay, Samsung Pay, Fitbit Pay or Garmin Pay.

Rates & fees

Annual fee. Each card linked to your Bendigo Bank Qantas Business Credit Card account will attract an annual fee of $89. While this could be affordable for a couple of people, it could end up costing a lot if you want more employees to have their own cards linked to the account.
Interest rates. The variable interest rate for purchases is 19.99% p.a., while for cash advances you'll pay 21.99% p.a.

Interest-free days. Bendigo Bank offers up to 55 days interest-free on purchases for each statement period. This is made up of your 30-day statement cycle and the 25 days to your due date, which gives you a way to avoid interest charges on your business spending.
International transaction fee. This card charges a fee of 3% for transactions made in other currencies.

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Bendigo Bank Qantas Business Credit Card

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