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Bendigo Bank Qantas Business Mastercard

Amy Bradney-George
Amy Bradney-George
Last updated:  

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

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

19.99% p.a.

Purchase rate

0.6

Reward points

Per $ spent (Visa/Mastercard)

$89 p.a.

Annual fee

55 days

Interest free period

Details

Product NameBendigo Bank Qantas Business Mastercard
Rewards programQantas Business Rewards
Balance Transfer Revert RateCash Advance Rate (21.99% p.a.)
Purchase rate (p.a.)19.99% p.a.
Annual fee$89 p.a.
Interest free period55 days
Cash advance rate (p.a.)21.99% p.a.
Card typeMastercard
Foreign currency conversion fee (Visa/Mastercard)3%
Complimentary travel insuranceYes
Minimum age18 years of age
Available to temporary residentsNo
Joint applicationNo

Pros

  • 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.

Cons

  • The purchase rate of 19.99% p.a. is relatively high.
Rewards programQantas Business Rewards
Rewards Points per $ spent (Visa/Mastercard)0.6
Rewards Points per $ Cap (Visa/Mastercard)30,000
Annual fee$89 p.a.
Late payment fee$15
Foreign currency conversion fee (Visa/Mastercard)3%
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

Expert review

Amy Bradney-George

Review by

Amy Bradney-George is the acting editor for Finder X and a senior writer for credit cards and Finder Green. She has more than 13 years' experience as a journalist and writer, with bylines in publications including The Equity Magazine, The Sydney Morning Herald, ABC News and produce industry website FreshPlaza. Amy has a Bachelor of Arts in Journalism and Drama from Griffith University, and when she’s not putting (virtual) pen to paper, she spends her time as an actress.

Expert review

The Bendigo Bank Qantas Business Mastercard 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 Mastercard 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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