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Bendigo Bank Qantas Business Credit Card
Bendigo Bank Qantas Business Credit Card

Bendigo Bank Credit Cards

Bendigo Bank Qantas Business Credit Card

Updated 25 November 2019

Bendigo Bank Qantas Business Mastercard has an earn rate of 0.6 Qantas Points per $1 spent on eligible domestic and international spend.

Points Earn Rate (per $1 spent)

0.6 points

Capped at 30,000

Rewards Program

Qantas Frequent Flyer

Bonus Points

N/A

0 points over 12 months spend

My monthly card spend

Pros and cons

  • Earn Qantas Points for you or your business as a Qantas Business Rewards member.
  • 0.3 Qantas Points per dollar spent on eligible government transactions.
  • Transfer points earnt to any individual Qantas Frequent Flyer account.
  • Extended warranty on purchases made with your credit card for up to 12 months after the original manufacturer’s warranty ends.
  • 90 day purchase protection on stolen or accidentally damaged purchases when the total cost is charged to your credit card.
  • Complimentary membership to Qantas Business Rewards - usually $89.50
  • Save 20% on Qantas Club memberships for you and your employees.
  • Eligible with Google Pay, Apple Pay, Samsung Pay, Fitbit Pay and Garmin Pay

  • Points are capped at 30,000 per statement period

Creditcard.com.au review

Editor Review

Bendigo Bank Qantas Business Credit Card

Roland Bleyer
Credit Card Expert with over 15 years card experience and the founder of Creditcard.com.au. about this card.

The Bendigo Bank Qantas Business Mastercard

Providing cardholders the opportunity to earn Qantas Points on business spending, the Bendigo Bank Qantas Business Mastercard offers a decent earn rate, plus 20% off Qantas Club membership. Other features include complimentary Qantas Frequent Flyer membership, and additional protection on purchases via Extended Warranty and Purchase Protection.

What we love...

The Bendigo Bank Qantas Business Mastercard is a simple Qantas Points earning card. While it may not offer some of the bells and whistles often associated with higher end Qantas cards, it does make it easy to earn Qantas Points on your business spend, allowing you to enjoy rewards that you can benefit from yourself, or that you can pass on to employees.

The first thing to note on this card is it offers complimentary membership to Qantas Business Rewards, which saves you $89.50 if you are not yet a member. You can also save 20% on Qantas Club memberships for you and your employees, providing you access to a range of benefits, including lounge access, priority check-in, additional luggage allowance, upgrades and more.

In terms of points-earning potential, with the Bendigo Bank Qantas Business Mastercard, you will earn Qantas Points for you or your business as a Qantas Business Rewards member at a rate of:

  • 0.6 Qantas Points per $1 spent on eligible domestic and international transactions
  • 0.3 Qantas Points per $1 spent on eligible government transactions
  • 1 additional Qantas Point per $1 spent on selected Qantas products and services

Points are capped at 30,000 per statement period. You may transfer the points you have earned to any individual Qantas Frequent Flyer account, or you can use them for yourself, or within the business. Qantas Rewards can include flights and upgrades, or merchandise and gift cards via the Qantas Store. You may also redeem Qantas Points for Qantas services such as Qantas insurance.

Aside from the rewards on offer, the card also provides added protection on purchases via Extended Warranty (extending the manufacturer’s warranty on purchases made using the card by up to 12 months), and 90 day Purchase Protection (protecting purchases if they are stolen or accidentally damaged within 90 days of purchase). Read the PDS for full details.

What’s not so great...

Both the purchase rate and cash advance rate on the Bendigo Bank Qantas Business Mastercard are quite high. While this is normal for rewards cards, it does make it important for cardholders to clear their balance by the due date to avoid interest accruing. When paying interest on any rewards card, it becomes unlikely you will see any real value on the rewards you earn.

It’s also worth pointing out that the annual fee per cardholder is quite high, especially when you take into account the monthly cap of 30,000 points. To work out whether this card offers you value, think about how many cardholders will be on the account, how much that will cost in annual fees, and how many points you expect to earn each month.

Why should you choose this card?

While it may be a fairly simple rewards card, the Bendigo Bank Qantas Business Mastercard still has some nice features on offer. If you want to save on interest, you can benefit from up to 55 days interest free on purchases as long as you clear your balance by the due date the previous month.

You can also take advantage of some handy business features, which include single monthly statements that include itemised addendums for each individual cardholder, and optional ATM access for nominated cardholders. You can also manage your expenses more efficiently by uploading your statements to accounting software such as MYOB.

Overall Rating

As a Qantas Points earning business rewards card, the Bendigo Bank Qantas Business Mastercard offers a decent earn rate with a monthly cap of 30,000 points, plus up to 55 days interest free on purchases, and some handy business features and Qantas extras.

User reviews

Bendigo Bank Qantas Business Credit Card ( based on 1 Creditcard.com.au user review )

50% rating based on 1 review

Rates
Fees
Rewards
Customer Service
Value

Rates and fees

Interest rates



Purchase rate 19.99% p.a.

Cash advance rate 21.99% p.a.

Interest free period on purchases up to 55 days

Credit limits

Minimum credit limt $3,000

Maximum credit limit N/A

Fees & repayments

Annual fee $89 p.a.

Additional card holder fee $89 p.a.

Foreign transaction fee N/A

Minimum repayment $10 or 3%, whichever is greater

Cash advance fee 0.5%

Late payment fee $15

Rewards and points

Rewards program

Rewards Program Qantas Frequent Flyer Qantas Frequent Flyer

Bonus points N/A

Annual points cap 360,000

Bonus points spend criteria N/A

Earning points with this card

Qantas Rewards points 0.6 points per $1 spent

Points cap per month Capped at 30,000

Overseas earn rate same as standard earn rate

Additional features

Complimentary insurance

International Travel Insurance No

Flight Inconvenience Insurance No

Transit Accident Insurance No

Smartphone Screen Insurance No

Purchase Protection Insurance Yes

Extended Warranty Insurance Yes

Rental Vehicle Excess In Australia Insurance No

Extras

Complimentary membership to Qantas Business Rewards - usually $89.50

Overview

Bendigo Bank Qantas Business Credit Card

Key features

  • Earn 0.6 Qantas Points per dollar spent
  • Complimentary membership to Qantas Business Rewards - usually $89.50
  • $89 annual fee per cardholder
  • 19.99% p.a. on purchases

Minimum criteria to apply for this card

  • Be over 18 years old

  • Good Credit and have not applied for multiple credit cards recently

  • Resident or citizen of Australia

  • You have your personal details ready to complete the online application

Roland B Bleyer

Roland B Bleyer founded Creditcard.com.au in 2005 and has extensive knowledge about credit cards. He personally answers all questions and write the editor reviews for each card here. Always keen to share his passion to educate consumers and help you select better suited credit cards.

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