Bendigo Bank Qantas Business Credit Card

Offers 25,000 bonus Qantas Points and complimentary insurance options, with an $89 annual fee for each cardholder.

The Bendigo Bank Qantas Business Credit Card is suited to business owners who want to earn points for work-related spending. It currently offers 25,000 bonus Qantas Points when you apply, get approved and have registered for a Qantas Business Rewards account. You'll also earn 0.6 Qantas Points per $1 spent on eligible domestic and international transactions, capped at 30,000 per statement period.

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Bonus points

19.99% p.a.

Purchase rate


Reward points

Per $ spent

$89 p.a.

Annual fee

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Product NameBendigo Bank Qantas Business Credit Card
Rewards programQantas Business Rewards
Balance transfer revert rateCash Advance Rate (21.99% p.a.)
Purchase rate p.a.19.99%
Annual fee$89
Interest-free periodUp to 55 days on purchases
Cash advance rate21.99% p.a.
Card typeMastercard
Foreign currency conversion fee3%
Available to temporary residentsNo
Joint applicationNo


  • 25,000 bonus Qantas Points
  • 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


  • The purchase rate of 19.99% p.a. is relatively high
Rewards programQantas Business Rewards
Bonus points25,000
Rewards points per $ spent0.6
Rewards points cap30,000
Annual fee$89
Minimum monthly repayment3% of the closing balance or $10, whichever is greater
Late payment fee$15
Foreign currency conversion fee3%
Cash advance fee0.5% or $3.25, whichever is greater
Overseas cash advance fee0.5% or $3.25, whichever is greater
Overseas ATM withdrawal fee$5
Additional cardholder fee$0

Review by

Amy has been writing about personal finance for more than 13 years – including over 600 articles as a senior writer for Finder. She is also the editorial lead for Finder Green, covering sustainability across different industries. Her work has appeared in publications including Money Magazine, The Sydney Morning Herald, Financy, ABC News Australia and Equity Magazine. Amy also has a Bachelor of Arts in Journalism and Drama from Griffith University.

Expert review

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.

Right now, it offers 25,000 bonus Qantas Points when you meet the criteria. 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.

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

  • 25,000 bonus Qantas Points. Get 25,000 bonus Qantas Points when you apply and get approved for a new Bendigo Bank Qantas Business Credit Card. These points will be credited to your Qantas Business Rewards account within 90 days of account opening.
  • 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.

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.

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