Bendigo Bank Qantas Business Credit Card

Earn Qantas Points as you manage your business spending and enjoy a range of complimentary insurance options.

The Bendigo Bank Qantas Business Credit Card offers 0.6 Qantas Points per $1 spent on eligible domestic and international transactions, capped at 30,000 per statement period.

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19.99% p.a.

Purchase rate


Reward points

Per $ spent

$89 p.a.

Annual fee

55 days

Interest free period

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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 rate19.99% p.a.
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


  • Earn 0.6 Qantas Points per $1 spent on eligible purchases.
  • This card 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 pointsN/A
Rewards points per $ spent0.6
Rewards points cap30,000
Annual fee$89
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 Bradney-George has been writing about personal finance for more than 13 years – including over 600 articles as a senior writer for Finder. Her work has also appeared in publications including Money Magazine, The Sydney Morning Herald, Financy, ABC News Australia and Equity Magazine. Amy 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.

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

  • Qantas Points per $1 spent. You'll earn 0.6 Qantas Points per $1 spent on most eligible purchases and 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.

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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