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Bendigo Bank Qantas Platinum Mastercard

Sally McMullen
Sally McMullen
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Earn Qantas Points and enjoy complimentary insurance covers with the Bendigo Bank Qantas Platinum Mastercard.

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

0% p.a.

Balance transfer rate

for 6 months

19.99% p.a.

Purchase rate

0.6

Reward points

Per $ spent (Visa/Mastercard)

$149 p.a.

Annual fee

Details

Product NameBendigo Bank Qantas Platinum Mastercard
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 balance
Purchase Rate19.99% p.a.
Annual Fee$149
Interest Free Period55 days
Cash Advance Rate21.99% p.a.
Minimum Credit Limit$3,000
Card TypeMastercard
Foreign Currency Conversion Fee (Visa/Mastercard)3% of transaction value
Complimentary Travel InsuranceYes
Minimum Age18 years of age
Available to Temporary ResidentsNo
Joint ApplicationNo

Pros

  • 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.

Cons

  • The standard purchase rate of 19.99% p.a. is relatively high if you carry a balance.
Rewards ProgramQantas Frequent Flyer
Rewards Points per $ spent (Visa/Mastercard)0.6
Rewards Points per $ Cap (Visa/Mastercard)20,000
Annual Fee$149
Minimum Monthly Repayment3% of the closing balance or $10, whichever is greater
Late Payment Fee$15
Foreign Currency Conversion Fee (Visa/Mastercard)3% of transaction value
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

Sally McMullen

Review by

Sally McMullen is Finder's credit cards and frequent flyer editor by day and a music maven by night. Her byline can be spotted on Yahoo Finance, Dynamic Business, Financy and Mamamia as well as Music Feeds and Rolling Stone.

Expert review

If you’re a Qantas Points chaser, you could use the Bendigo Bank Qantas Platinum Mastercard 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 Mastercard 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. You must be an Australian citizen or permanent resident of Australia to apply for this card.

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 Mastercard charges a standard rate of 19.99% p.a. on purchases.

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6 Comments

  1. Default Gravatar
    Ray
    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?

    Reply
    • AvatarStaff
      Jeni
      April 13, 2019

      Hi Ray,

      Thank you for getting in touch with Finder.

      Not all Bendigo Bank’s Platinum 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. 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 flyer or reward type points does not activate cover.

      If you’re looking credit cards with complimentary travel insurance, please check out this page. Kindly refer to the comparison table and you may compare credit cards by looking at their fees and terms and rates as well.

      Once you’ve chosen a provider, 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!

      Cheers,
      Jeni

      Reply
  2. Default Gravatar
    Robin
    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.

    Reply
    • AvatarStaff
      Jhez
      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.

      Regards,
      Jhezelyn

      Reply
  3. Default Gravatar
    Kwozzy
    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?

    Reply
    • AvatarStaff
      John
      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!

      Cheers,
      Reggie

      Reply
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