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Bendigo Bank Qantas Platinum Credit Card
Bendigo Bank Qantas Platinum Credit Card

Bendigo Bank Credit Cards

Bendigo Bank Qantas Platinum Credit Card

Updated 31 March 2023

Earn 0.6 Qantas Points per dollar spent, capped at 20,000 per statement period. Receive up to 90 consecutive days of international travel insurance, a range of purchase protections, and access to Mastercard Priceless® Cities exclusive experiences and special offers. Comes with complimentary Qantas Frequent Flyer membership. T&Cs apply.

Points Earn Rate (per $1 spent)

0.6 points

Capped at 20,000 per statement period

Rewards Program

Qantas Frequent Flyer

Bonus Points

N/A

Pros and cons

  • Earn 0.6 Qantas Points per dollar spent, capped at 20,000 per statement period
  • Complimentary Frequent Flyer membership
  • Up to 90 days comprehensive travel insurance
  • Up to 55 days interest free on purchases
  • Extended warranty on covered purchases
  • No annual fees for additional cardholders
  • Eligible with Google Pay, Apple Pay, Samsung Pay, Fitbit Pay, and Garmin Pay

  • Qantas points are capped at 20,000 per statement period

Creditcard.com.au review

Editor Review

Bendigo Bank Qantas Platinum Credit Card

Pauline Hatch
Pauline is a personal finance expert at CreditCard.com.au, with 8 years in money, budgeting and property reporting under her belt. about this card.

The Big Review: Bendigo Bank Qantas Platinum Credit Card

A relative newcomer to the rewards card scene, the Bendigo Bank Qantas Platinum Credit Card launched in August 2017 to join Bendigo Bank’s already impressive line-up. Allowing cardholders to earn 0.6 Qantas Points per $1 spent, this card also offers complimentary Qantas Frequent Flyer membership, plus a full suite of complimentary insurance covers and access to Mastercard Priceless Cities – all for an affordable annual fee, with no annual fees for additional cardholders.

  • Earn 0.6 Qantas Points per dollar spent, capped at 20,000 per statement period
  • Complimentary Qantas Frequent Flyer membership
  • Complimentary up to 90 comprehensive travel insurance
  • Extended warranty on purchases
  • 90 day purchase protection on lost, stolen or damaged purchases
  • Best price guarantee
  • Access to Mastercard Priceless Cities
  • Up to 55 days interest free on purchases
  • No annual fees for additional cardholders
  • Annual fee of $149
  • Purchase rate at 19.99% p.a. (variable)
  • Cash advance rate at 21.99% p.a. (variable)
  • Minimum credit limit: $3,000

This Card: The Lowdown

With a decent earn rate and a relatively low annual fee, this could be the perfect card for anyone who wants to earn Qantas Points on everyday spending. Cardholders can benefit from complimentary Qantas Frequent Flyer membership, saving them $99.50, while also taking advantage of the card’s full suite of complimentary insurances.

It must be said that as a platinum card, the Bendigo Bank Qantas Platinum Credit Card is not exactly overwhelmed with platinum perks, but with its lower annual fee, you have to weigh up what’s on offer against what you’re paying out.

Digging Deeper

With the basics covered, it’s time to dig a little deeper into what’s on offer with the Bendigo Bank Qantas Platinum Credit Card, so you can decide whether this card is right for you.

This Card: As a Rewards Card

Letting you earn Qantas Points on your day-to-day purchases, the Bendigo Bank Qantas Platinum Credit Card has the potential to provide value on your credit card spending.

Everyday Earning

If you have spent time comparing earn rates on credit cards, you may have noticed the opportunity to earn big on everyday spending is perhaps not quite as easy as it once was. If you want a card that will reward the spending you do most, be sure to check the earn rate and the points cap, and weigh that against the amount you are paying out in annual fees.

With the Bendigo Bank Qantas Platinum Credit Card, the annual fee is relatively low for a platinum Qantas card. It also offers a pretty decent earn rate, providing 0.6 Qantas Points per $1 spent on the card, capped at 20,000 points per month.

It’s worth remembering that not all credit card spending attracts points. Spending ineligible for points collection includes BPAY transactions, cash advances, payments to the Australian Taxation Office, balance transfers, and transactions for gambling or gaming purposes.

Points earned are transferred automatically to the cardholder’s Qantas Frequent Flyer account. So, it only makes sense that to earn Qantas Points on this card, you need to be a Qantas Frequent Flyer member. Luckily, the Bendigo Bank Qantas Platinum Credit Card provides complimentary Qantas Frequent Flyer membership to cardholders – all you need to do is apply using the bank’s link.

Another feature we like on the Bendigo Bank Qantas Platinum Credit Card is the fact that there is no annual fee for additional cardholders. That means you can add family members as additional cardholders for no extra charge, and their spending will earn Qantas Points that will be added to your Qantas Frequent Flyer account.

This Card: Extras on Offer

When working out the true value of a credit card, it’s important to look at all the features on offer – and then think about whether they are of value to you.

Complimentary Insurance Cover

Offering cardholders “complimentary” insurance cover is common on platinum credit cards, but it’s always important to check the PDS before relying on the insurance provided. The Bendigo Bank Qantas Platinum Credit Card offers a full suite of comprehensive insurance covers, including:

  • Overseas Travel Insurance
  • Transit Accident Insurance
  • Global Hire Car Excess Waiver Cover
  • Domestic Flight Inconvenience Insurance
  • Purchase Protection Insurance
  • Extended Warranty Insurance
  • Best Price Guarantee

To activate the overseas travel insurance, you must use your card to pay for the total value of your return overseas travel ticket, before taking the trip. Note, the use of Qantas Points to pay for travel does not activate cover. Your spouse and dependents can also be covered, as long as they travel with you for the entire journey, and your card was used to pay for their trip.

It’s worth pointing out that each trip must not exceed 90 consecutive days, and cover is limited to a maximum of 180 days during any 12 month period. In terms of cover limits, it offers unlimited medical cover; baggage, documents and money cover up to $15,000; and personal liability cover up to $2,500,000.

As a cardholder, you can also benefit from Global Hire Car Excess Waiver Cover up to a maximum total limit of $5,000, subject to an excess of $250. This can offer peace of mind when hiring a car, while also allowing you to save money on the car hire company’s own (often expensive) excess waiver.

In terms of retail cover, you can take advantage of the card’s 90-day purchase protection insurance against theft, loss or damage for eligible items you buy with this card. You can also enjoy extended warranty cover for up to 12 months on eligible purchases, plus a best price guarantee, which offers a refund on the price difference when you purchase an eligible item, and then see it for less within 30 days.

To find out more, take some time to refer to the Bendigo Bank Qantas Platinum Insurance document on the bank’s website for full details.

Mastercard Extras

As a cardholder, you can enjoy access to Mastercard Priceless Cities. All you need to do to take advantage of this is visit the priceless.com website, sign up, and check out the huge range of entertainment, dining, travel and other lifestyle experiences available. Past experiences have allowed cardholders to:

  • Go on an insider tour of New York City’s theatre district with a star actor,
  • Explore the Duomo of Milan, behind closed doors,
  • Make the Dubai desert into a playground with a private safari,
  • Take a cooking workshop with a top Miami chef at Wynwood Yard.

Mobile Payment Technology

If you have a Samsung smartphone or wearable, you can link your device to your Bendigo Bank Qantas Platinum Credit Card to enjoy the convenience of contactless payments using Samsung Pay.

Interest Free Purchases

Like many credit cards, the Bendigo Bank Qantas Platinum Credit Card provides up to 55 days interest free on purchases. Allowing cardholders some extra breathing space before interest starts accruing, this feature can be used to save on interest when using the card day to day, or even when making larger purchases.

This Card: The Essentials

Now you know what the Bendigo Bank Qantas Platinum Credit Card has to offer, it’s time to look at how much it will cost you to keep in your wallet. In terms of annual fees, the Bendigo Bank Qantas Platinum Credit Card is fairly reasonable for a platinum card, charging $149 per year, with no annual fee for additional cardholders.

As for interest, that is definitely worth paying attention to. Both the purchase rate and the cash advance rate are pretty high, so this is not a card you want to carry a balance on month-to-month. With a cash advance fee of $3.25 or 0.5% of the transaction amount – plus zero interest free days on withdrawals – cash advances should be avoided whenever possible.

Another fee to be aware of when using the Bendigo Bank Qantas Platinum Credit Card is the international transaction fee. If you tend to shop online at overseas retailers – or you plan on taking the card overseas – know that there is a 3% fee charged for each transaction made in any currency other than Australian dollars.

In terms of eligibility, you must be 18 years or older to apply, and you must be an Australian citizen or permanent resident. It’s also worth noting that the minimum credit limit on this card is $3,000, which is actually quite low for a platinum card.

To apply for the Bendigo Bank Qantas Platinum Credit Card, you’ll need a valid form of identification, such as your driver’s licence or passport, plus you’ll need employment information, detailing your employment status, role, employer’s details and salary. On top of that, you’ll have to provide financial details, such as bills, grocery spending and any loans or debts.

Decision Time

While it may not offer an abundance of features, the Bendigo Bank Qantas Platinum Credit Card could be a great option for cardholders who want to earn Qantas Points on everyday spending. The card offers a decent earn rate, plus some very useable features, such as complimentary insurance cover and Qantas Frequent Flyer membership.

User reviews

Bendigo Bank Qantas Platinum Credit Card ( based on 2 Creditcard.com.au user reviews )

72% rating based on 2 reviews

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

Balance transfer

Balance transfer rate 21.99% p.a.

Balance transfer revert rate 19.99% p.a.

Balance transfer from personal loan N/A

Balance transfer fee No fee

Balance transfer limit 80% of approved credit limit

Brands you can't balance transfer from Bendigo Bank

Credit limits

Minimum credit limit $3,000

Maximum credit limit N/A

Fees & repayments

Annual fee $149 p.a.

Additional cardholder fee $0 p.a.

Foreign transaction fee 3%

Minimum repayment $10 or 3%, whichever is greater

Cash advance fee $3.00 or 3% of the transaction amount, whichever is greater

Late payment fee $15

Rewards and points

Rewards program

Rewards Program Qantas Frequent Flyer Qantas Frequent Flyer

Bonus points N/A

Annual points cap 240,000

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 20,000 per statement period

Overseas earn rate same as standard earn rate

Additional features

Complimentary insurance

International Travel Insurance Yes

Flight Inconvenience Insurance Yes

Transit Accident Insurance Yes

Smartphone Screen Insurance No

Purchase Protection Insurance Yes

Extended Warranty Insurance Yes

Rental Vehicle Excess In Australia Insurance Yes

Extras

Complimentary Qantas Frequent Flyer membership

Overview

Bendigo Bank Qantas Platinum Credit Card

Key features

  • Earn 0.6 Qantas Points per dollar spent, capped at 20,000 per statement period
  • Complimentary Frequent Flyer membership
  • Up to 90 days comprehensive travel insurance
  • Eligible with Google Pay, Apple Pay, Samsung Pay, Fitbit Pay, and Garmin Pay
  • Up to 55 days interest free on purchases
  • Extended warranty on covered purchases
  • No annual fees for additional cardholders

Minimum criteria to apply for this card

  • Be over 18 years old

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

  • You must be an Australian citizen or have applied for permanent residency with visa subclasses 188, 489, 491, 494 and 482 (short term stream not included), and with minimum 12 months remaining.

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

Pauline

Pauline is a personal finance expert at CreditCard.com.au, with 8 years in money, budgeting and property reporting under her belt. Pauline is passionate about seeing Aussies win by making their money – and their credit cards – work smarter, harder and bigger

Recently Asked Questions

Something you need to know about this card? Ask our credit card expert a question.

15 questions (showing the latest 10 Q&As)

Mauro

Mauro

1 March 2024
Hi, do they offer any bonus points for signing up? If I already have a qantas altitude platinum mastercard with other bank, do I get any bonus points for signing up with bendigo and then closing the account with the other bank?
    Pauline - CreditCard.com.au

    Pauline

    1 March 2024
    Hi Mauro, good question. Currently this card doesn't offer any bonus points on signup unfortunately or any bonus points for closing other accounts. There are some cardholders who hold different cards that earn points, so they can maximise their spend across the statement period. Hope that helps Mauro!
David Hill

David Hill

7 February 2024
What age limit applies for the International travel insurance and does it include Cruising
    Pauline - CreditCard.com.au

    Pauline

    13 February 2024
    Hi David, I checked and see that you should be less than 76 years old and have met the other criteria to be eligible for international travel insurance coverage. You can check the Bendigo card insurance PDS for further information, and some general exclusions.
Jennie

Jennie

30 August 2023
How much will the fees be in new zealand if I use my qantas card for purchases say $500
    Pauline - CreditCard.com.au

    Pauline

    4 September 2023
    Hi Jennie, the international transaction fee for this card is 3%. So, on a $500 NZD purchase you’d pay around $13 (based on current rates). You can use the Mastercard calculator to work out foreign fees.
Patricia

Patricia

4 August 2023
If my platinum credit card is stolen and I notify BBank immediately is any purchases that someone else has made be covered by the bank.
    Pauline - CreditCard.com.au

    Pauline

    7 August 2023
    Hi Patricia! Yes, this card has Mastercard Zero Liability Protection, which means you're covered for unauthorised transactions as long as you've used reasonable care in protecting your card from loss or theft and you promptly reported it. Thanks!
Sid

Sid

21 July 2023
I paid for my and my mothers airfare for international travel with my Qantas Platinum Credit Card. Are we both covered? What are the limits for medicals?
    Pauline - CreditCard.com.au

    Pauline

    25 July 2023
    Hi Sid, there are a couple of things to know. Bendigo's travel insurance covers people aged up to 76, and if they're not the primary cardholder (that would be you) then they must be a spouse or dependant. A dependant would be a child, but it can also be "a person who is physically or mentally incapable of self-support who the cardholder has custody of and who lives with the cardholder". So you would need to make sure your mother fits the eligibility criteria. You can read it in Bendigo's terms here, under 'Definitions' and 'Eligibility for Cover'. I hope that helps Sid, all the best!
savio

savio

13 February 2023
do I benefit from Global Hire Car Excess Waiver Cover up to a maximum total limit of $5,000, subject to an excess of $250, by paying for the car rental period with the bendigo bank Qantas Platinum card for full period of rental?
    Pauline - CreditCard.com.au

    Pauline

    15 February 2023
    Hi Savio, yes, you will be eligible for the Rental Vehicle Excess insurance cover when you charge the entire payment for the car rental to your Bendigo card account. Your period of cover will begin when you pick up the rental vehicle from the rental company and ends when you return it or when your rental agreement expires. Exclusions apply so please read the Bendigo Credit Card Insurance T&C and contact Allianz Global Assistance (Bendigo’s insurance underwriter) at 1300 889 828 for any enquiries. Hope that helps, Savio!
Doug Burvill

Doug Burvill

17 January 2023
Hi. I have a Bendigo Bank Qantas Platinum Credit Card. I paid for the airline tickets for our upcoming New Zealand holiday with this card but partially with Frequent Flyer Points. I am concerned with the following from your website. "To activate the overseas travel insurance, you must use your card to pay for the total value of your return overseas travel ticket, before taking the trip. Note, the use of Qantas Points to pay for travel does not activate cover". Are we still covered after partially paying with points? Also I will be paying the full amount for our hire vehicle with this credit card. Is that still covered by the insurance? Thanks.
    Pauline - CreditCard.com.au

    Pauline

    18 January 2023
    Hi Doug, that’s a great question! Usually this is activated by spending at least $500 on your travel costs charged to the card account, and having a return ticket before leaving Australia. However, since you mentioned that you partially paid for your trip using Qantas Points, it would be best to contact Bendigo directly at 1300 236 344 or Allianz Global (the insurance underwriter) at 1300 889 828 to confirm coverage for your specific situation. Enjoy your time in New Zealand ✈️
Sandra

Sandra

30 September 2022
Is there anyone I can call or talk to about using the complimentary travel insurance on my Bendigo Bank Qantas Platinum Credit Card for an overseas holiday?
    Pauline - CreditCard.com.au

    Pauline

    5 October 2022
    Hi Sandra, you can call Bendigo directly at 1300 557 155 for assistance.
Bevryl Gwendoline Laughton

Bevryl Gwendoline Laughton

20 June 2022
am I Covered for Covid travelling overseas with with my Bendigo Qantas Platinum Mastercard & Platinum rewards mastercard Credit Card insurance?
    Pauline - CreditCard.com.au

    Pauline

    21 June 2022
    Hi Bevryl, at the time of replying the cards on this page Credit Card Travel Insurance & COVID: June 2022 Update are the only ones offering cover for Covid. You’ll need to purchase standalone travel insurance for Covid cover. With all that said, we hope you have a great trip!
Peter

Peter

21 February 2022
Will the travel insurnce cover a ticket that is partly pid by a voucher and the voucher was given for a ticket cancelled by qantas paid by my card?
    Pauline - CreditCard.com.au

    Pauline

    22 February 2022
    Hi Peter, this is quite a tricky question. The pandemic has posed a few nuances around travel insurance. Bendigo Bank’s insurance is provided by Allianz Australia Insurance Limited. You can contact them directly on 13 10 00 to discuss your cover. Safe travels!
John

John

9 July 2021
does paying my apartment strata levies attract rewards? What about water, electricity and council rates?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    13 July 2021
    Hi John and thanks for your great question. There are a few ways that you can maximise your rewards points on utility bills. You’ll have to set it up with BPAY to avoid cash advance fees. You can find all the details to setting this up in our guide to BPAY and rewards.
Eileeen

Eileeen

29 April 2020
Is there an age limit on Travel Insurance?
PETER CALIGARI

PETER CALIGARI

7 February 2018
We are looking at changing from an ANZ Visa Card to Bendigo Bank Qantas Plainum Mastercard. Does the travel insurance component cover both domestic and international travel. We would only require domestic, not international. Thanks
Christine

Christine

11 December 2017
Is there a cost for supplementary card?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    12 December 2017
    Hi Christine, I cannot find any addition card information fee. It may be that you cannot get an additional card holder but I have not confirmed that. I would reach out to Bendigo Bank credit card customer service if this is important to you. Just to make sure it is possible as this could be a disappointment with the card.
susan kloot

susan kloot

28 November 2017
can i pay my tax with this card
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    29 November 2017
    Hi Susan, you can but you will not earn any points with the Bendigo Bank Qantas Platinum credit card.

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