Bendigo Bank Qantas Platinum Credit Card

Last updated: Feb 19, 2021

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.

This card offers complimentary membership to the Qantas Frequent Flyer program and up to 55 interest-free days on purchases. These perks come at the cost of a $149 annual fee.

0% p.a.

Balance transfer rate

for 6 months

19.99% p.a.

Purchase rate

0.6

Reward points

Per $ spent

$149 p.a.

Annual fee

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Details

Product Name	Bendigo Bank Qantas Platinum Credit Card
Rewards program	Qantas Frequent Flyer
Balance transfer rate	0% p.a. for 6 months
Balance transfer revert rate	Purchase Rate (19.99% p.a.)
Balance transfer limit	80% of available limit
Purchase rate	19.99% p.a.
Annual fee	$149
Interest-free period	Up to 55 days on purchases
Cash advance rate	21.99% p.a.
Min credit limit	$3,000
Card type	Mastercard
Foreign currency conversion fee	3%

Available to temporary residents	Yes - Conditions apply
Joint application	No

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 program	Qantas Frequent Flyer
Bonus points	N/A
Rewards points per $ spent	0.6
Rewards points cap	20,000

Annual fee	$149
Minimum monthly repayment	3% of the closing balance or $10, whichever is greater
Late payment fee	$15
Foreign currency conversion fee	3%
Cash advance fee	0.5% or $3.25, whichever is greater
Overseas cash advance fee	0.5% or $3.25, whichever is greater
Overseas ATM withdrawal fee	$5
Additional cardholder fee	$0

Expert review

Review by

Sally McMullen

sally.mcmullen@finder.com.au

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.

However, the Bendigo Bank Qantas Platinum Credit Card doesn’t offer the highest earn rate on the market. Before you apply, make sure that the points cap doesn’t restrict the number of points you could earn based on your average monthly spending. Unlike some other Qantas Frequent Flyer cards, this doesn’t currently offer any introductory bonus points.

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.

Credit history.You should have good credit score and can only apply for this card if you're not bankrupt or insolvent.
Personal card. Only individuals can apply for this card. If you want a card for your company, you may want to consider a Bendigo Bank business credit card instead.

Required documents

Personal information. This includes your full name, date of birth, relationship status and number of financial dependents. You'll also need a valid form of ID such as your driver's licence, Medicare card or passport.
Employment and income. Confirm your employment status, role, employer's details and salary. You can confirm your annual income with recent payslips or bank statements. This also includes other sources of income, such as government benefits or superannuation payments.
Finances. This includes details of your household expenses, such as bills, grocery spending and any loans or debts.

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).

Waived Qantas Frequent Flyer joining fee. If you're not already a Qantas Frequent Flyer member, you can save on the $99.50 joining fee with this card. Just follow the Qantas Frequent Flyer sign-up link provided by Bendigo Bank and complete your enrolment.
Complimentary travel insurance. You can save on a necessary travel cost with up to 180 days of comprehensive overseas travel insurance. You'll need to use your card to pay for the total value of your return overseas ticket to activate the insurance. Your spouse and children travelling with you will also be covered if they meet the eligibility requirements. Please see the insurance policy on the Bendigo Bank website for more details.
Complimentary purchase insurance covers. This card offers up to 90 days purchase protection insurance against theft, loss or damage for eligible items purchased with this card. You can also enjoy extended warranty cover for up to 12 months on eligible purchases.
Best price guarantee. This cover allows you to get a refund on the price difference when you purchase an eligible item then see it for less within 30 days.
Mastercard Priceless Cities. You'll access exclusive discounts and offers on a range of entertainment, dining, travel and other lifestyle experiences through the Mastercard Priceless Cities program. Visit the priceless.com website, sign up and use your card to claim the available offers.
Mobile payment technology. You can use your eligible smartphone or device to tap and pay when you link your account with Apple Pay, Google Pay, Samsung Pay. You can also use your fitness tracker to make contactless payments with Fitbit Pay and Garmin Pay.

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.

Interest calculations. Unlike most other cards that calculate interest from the date a purchase is made, Bendigo Bank credit cards calculate interest from the statement date. Depending on when you make a purchase, this has the potential to reduce your interest costs. It also means you can take advantage of interest-free days even if you carry a balance.
Interest-free days. This card offers up to 55 days interest free on purchases.
Cash advance rate. If you use this card to get cash out or for another cash advance transaction, a standard variable interest rate of 21.99% p.a. will apply from the time of the transaction.
Cash advance fee. Any cash advance transactions made with this card will attract a fee worth $3.25 or 0.5% of the transaction amount (whichever is greater).
International transaction fee. A fee worth 3% will be charged for each transaction made in a currency other than Australian dollars.

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8 Comments

Ray
September 25, 2019

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

finder Customer Care

Joshua
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!

Cheers,
Joshua

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?

finder Customer Care

Jeni
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!

Cheers,
Jeni

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.

finder Customer Care

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

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?

finder Customer Care

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

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