Bendigo Bank Qantas Platinum Credit Card

Earn Qantas Points and enjoy complimentary insurance covers with the Bendigo Bank Qantas Platinum Credit Card.

Turn your credit card purchases into travel rewards when you earn 0.6 Qantas Points per $1 spent with the Bendigo Bank Qantas Platinum Credit Card.

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0% p.a.

Balance transfer rate

for 6 months

19.99% p.a.

Purchase rate


Reward points

Per $ spent

$149 p.a.

Annual fee

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Product NameBendigo Bank Qantas Platinum Credit Card
Rewards programQantas Frequent Flyer
Balance transfer rate0% p.a. for 6 months
Balance transfer revert ratePurchase Rate (19.99% p.a.)
Balance transfer limit80% of available limit
Purchase rate19.99% p.a.
Annual fee$149
Interest-free periodUp to 55 days on purchases
Cash advance rate21.99% p.a.
Min credit limit$3,000
Card typeMastercard
Foreign currency conversion fee3%
Available to temporary residentsYes - Conditions apply
Joint applicationNo


  • Enjoy 0% p.a. for 6 months on balance transfers, with no balance transfer fee.
  • Earn 0.6 Qantas Points per $1 spent.
  • Get up to 55 days interest-free on purchases.
  • This card comes with 180 days comprehensive travel insurance and extended warranty on purchases.


  • The standard purchase rate of 19.99% p.a. is relatively high if you carry a balance.
Rewards programQantas Frequent Flyer
Bonus pointsN/A
Rewards points per $ spent0.6
Rewards points cap20,000
Annual fee$149
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

Sally McMullen is a creative content producer at Finder. Sally has written about credit cards for almost 5 years, authoring almost 900 articles on Finder alone. She has also been published in Yahoo Finance, Dynamic Business, Financy and Mamamia, as well as Music Feeds and Rolling Stone. Sally has a Bachelor of Communication and Media Studies majoring in Journalism (Hons) from the University of Wollongong.

Expert review

If you’re a Qantas Points chaser, you could use the Bendigo Bank Qantas Platinum Credit Card to reward your spending and save with complimentary insurance covers. The complimentary Qantas Frequent Flyer membership also offers extra value if you’re a new frequent flyer.

How to apply

You can apply for the Bendigo Bank Qantas Platinum Credit Card online in 10 to 20 minutes. Before you get started, check if you meet the eligibility criteria and that you have the necessary information 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. Temporary residents are eligible to apply as long as you have a 188, 457 or 489 visa, have applied for permanent residency and have at least 12 months remaining on the visa.

Card benefits

  • 0% balance transfer offer. You can take advantage of a 0% p.a. interest rate on balance transfers for 6 months with no balance transfer fee. Any remaining balance transfer amount will attract the standard purchase rate of 19.99% p.a. at the end of the introductory period. You won't earn points on your balance transfer and you can transfer up to 80% of your approved credit limit.
  • 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).

Rates & fees

  • Annual fee. This card charges an annual fee of $149 p.a.
  • Purchase rate. The Qantas Platinum Credit Card charges a standard rate of 19.99% p.a. on purchases.

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    Default Gravatar
    September 25, 2019

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

      Avatarfinder Customer Care
      September 26, 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!


    Default Gravatar
    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?

      Avatarfinder Customer Care
      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!


    Default Gravatar
    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.

      Avatarfinder Customer Care
      November 20, 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.


    Default Gravatar
    October 29, 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?

      Avatarfinder Customer Care
      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!


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