In this guide

  • Our verdict
  • Details
    • Product details
    • Eligibility
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates & fees
  • Your reviews
  • Ask a question
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Bendigo Bank Qantas Business Credit Card

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Bendigo Bank Qantas Business Credit Card
Terms and conditions apply
Purchase rate
19.99% p.a.
Reward points per $ spent
0.6
Annual fee
$89 p.a.
Interest-free on purchases
Up to 55 days

Our verdict

Offers Qantas Points on eligible purchases and complimentary insurance options, with an $89 annual fee for each cardholder.

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.

Pros

  • Earn 0.6 Qantas Points per $1 spent on eligible purchases
  • 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

In this guide

  • Our verdict
  • Details
    • Product details
    • Eligibility
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates & fees
  • Your reviews
  • Ask a question

The Bendigo Bank Qantas Business Credit Card is suited to business owners who want to earn points for work-related spending. You'll earn 0.6 Qantas Points per $1 spent on eligible domestic and international transactions, capped at 30,000 per statement period, and an additional 1 point per $1 spent on selected Qantas products and services.

Details

Product details

Product Name Bendigo Bank Qantas Business Credit Card
Purchase rate p.a. 19.99%
Interest-free period Up to 55 days on purchases
Cash advance rate p.a. 21.99%
Min credit limit $500
Max credit limit $50,000
Card type Mastercard

Eligibility

Available to temporary residents No
Joint application No

Rewards

Rewards program Qantas Business Rewards
Bonus points N/A
Rewards points per $ spent 0.6
Rewards points cap 30,000

Fees

Annual fee $89
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

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 328 007 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.

Well done, Bendigo Bank!

The Bendigo Bank Qantas Business Credit Card is a finalist in this category for the second year in a row. It offers 0.6 Qantas Points per $1 on most eligible spending, 0.3 points per $1 for government charges and a relatively low $89 annual fee per card.

Full list of 2024 winners

Card benefits

  • Qantas Points per $1 spent. You'll earn 0.6 Qantas Points per $1 spent on most eligible purchases and 0.3 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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Amy Finder

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