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Bendigo Bank Qantas Platinum Credit Card

1 review
points over 12 months Calculate your savings icon

Earn rate per $1

0.6 points
16.77% Complete (success)
Qantas Frequent Flyer

Bonus points

N/A
% Complete (success)

Annual fee

$149
p.a.
149% Complete (success)

Pros

Earn 0.6 Qantas Points per dollar spent

Free Frequent Flyer membership

180 days comprehensive travel insurance

Cons

Qantas points capped at 20,000 points per month

Bendigo Bank Qantas Platinum Credit Card

Bendigo Bank Qantas Platinum Credit Card has an earn rate of 0.6 Qantas Points per dollar spent. Benefit from 180 days comprehensive travel insurance, a range of purchase protections, and access to Mastercard Priceless® Cities exclusive experiences and special offers. Comes with complimentary frequent flyer membership.

Key features

  • Earn 0.6 Qantas Points per dollar spent
  • Complimentary Frequent Flyer membership
  • 180 days comprehensive travel insurance
  • Up to 55 days interest free
  • $149 annual fee
  • 19.99% p.a. on purchases
100% of customers who have rated this card would recommend it
  • Rates
    35%
  • Fees
    74%
  • Rewards
    76%
  • Customer Service
    82%
  • Value
    67%
Overall user rating 67%
1 reviews
Interest Rates
Purchase rate 19.99% p.a.
Cash advance rate 21.99% p.a.
Interest free on purchases up to 55 days
Balance Transfer
Credit limits
Minimum credit limit $3,000
Maximum credit limit N/A
Fees & repayments
Annual fee $149 p.a.
Cash advance fee 0.5%
Minimum repayment 3%
Credit card type Mastercard
Rewards program
Rewards program Qantas Frequent Flyer Qantas Frequent Flyer
Annual points cap 240,000
Bonus points spend criteria N/A
Earning points with this card
Qantas points 0.6 points per $1 spent
Overseas earn rate same as standard earn rate
Points cap per month Capped at 20,000
Complimentary insurance
Overseas travel insurance yes - up to months
Flight inconvenience insurance Yes
Transport accident cover Yes
Smartphone screen insurance No
Purchase protection insurance Yes
Extended warranty insurance Yes
Rental vehicle excess cover Yes
Extras
Free Qantas Frequent Flyer membership

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 $1
  • Complimentary Qantas Frequent Flyer membership
  • Complimentary 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 $89.50, 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.

3 questions (showing the latest 10 Q&As)

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.
  • Be over 18 years old
  • Good credit and not applied for multiple credit cards recently
  • Resident or citizen of Australia
  • You have your personal details ready to complete the online application
Bendigo Bank Qantas Platinum Credit Card
Bendigo Bank Qantas Platinum Credit Card

Bendigo Bank Credit Cards

Bendigo Bank Qantas Platinum Credit Card

Updated 18 June 2019

Points Earn Rate (per $1 spent)

0.6

points

Qantas

Rewards Program

Qantas Frequent Flyer

Bonus Points

N/A

0 points over 12 months spend

My monthly card spend

Pros and cons

  • Earn 0.6 Qantas Points per dollar spent
  • Free Frequent Flyer membership
  • 180 days comprehensive travel insurance

  • Qantas points capped at 20,000 points per month

Creditcard.com.au review

Editor Review

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 $1
  • Complimentary Qantas Frequent Flyer membership
  • Complimentary 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 $89.50, 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 1 Creditcard.com.au user review )

67% 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 on purchases up to 55 days

Credit limits

Minimum credit limt $3,000

Maximum credit limit N/A

Fees & repayments

Annual fee $149 p.a.

Additional card holder fee N/A

Foreign transaction fee N/A

Minimum repayment 3%

Cash advance fee 0.5%

Late payment fee N/A

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 pointsQantas points 0.6 points per $1 spent

Points cap per month Capped at 20,000

Overseas earn rateOverseas earn rate same as standard earn rate

Additional features

Complimentary insurance

Overseas travel insurance yes

Flight inconvenience insurance Yes

Transport accident cover Yes

Smartphone screen insurance No

Purchase protection insurance Yes

Extended warranty insurance Yes

Rental vehicle excess cover Yes

Extras

Free Qantas Frequent Flyer membership

Overview

Bendigo Bank Qantas Platinum Credit Card

Bendigo Bank Qantas Platinum Credit Card has an earn rate of 0.6 Qantas Points per dollar spent. Benefit from 180 days comprehensive travel insurance, a range of purchase protections, and access to Mastercard Priceless® Cities exclusive experiences and special offers. Comes with complimentary frequent flyer membership.

Key features

  • Earn 0.6 Qantas Points per dollar spent
  • Complimentary Frequent Flyer membership
  • 180 days comprehensive travel insurance
  • Up to 55 days interest free
  • $149 annual fee
  • 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.

Recently Asked Questions

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

3 questions (showing the latest 10 Q&As)

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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