Bendigo Bank Qantas Platinum Credit Card
Apply by 31 January 2022

Bendigo Bank Qantas Platinum Credit Card


  • 0% p.a. up to 20 months on purchases (reverts to 19.99% p.a.)
  • Earn 0.6 Qantas Points per $1 spent.
  • 180 days of comprehensive travel insurance.
  • Includes extended warranty on covered purchases and 90-day purchase protection on stolen or accidentally damaged purchases (conditions apply).

Pros and cons


  • 0% p.a. up to 20 months on purchases (reverts to 19.99% p.a.)
  • Earn 0.6 Qantas Points per $1 spent.
  • 180 days of comprehensive travel insurance.
  • Up to 55 days interest free.


  • There is no introductory balance transfer offer.
  • The 20,000 cap on reward earnings per statement period.
  • ATO spend does not earn points.

The basics

  • Additional cardholders. Request additional card holders at no extra cost. Share with family and friends to earn more points. The main account holder must manage the account.
  • Digital wallets. Add this card to your phone with Apple Pay, Google Pay, and Samsung Pay.
  • Gambling transactions. Gambling transactions are not allowed on the Bendigo Bank Qantas Platinum card (or any other card issued by Bendigo Bank).

Rewards and benefits

  • Complimentary travel insurance. International travel insurance is included with the Bendigo Bank Qantas Platinum Credit Card. The policy will be in effect for you, your partner, and dependents on overseas trips that were paid for using the card. Cover is limited to a maximum of 90 consecutive days for a single trip. The maximum number of days covered is 180 days a year, which is more than enough for most people. Policy includes cover for travel delay and cancellation, medical emergency expenses, global hire car excess waiver, domestic flight inconvenience, and more.
  • Concierge services. The Bendigo Bank Qantas Platinum Credit Card does not come with a concierge service.
  • Insurances. In addition to overseas travel insurance, cardholders will have extended warranty insurance, fraud protection, personal item theft cover, price protection insurance, and purchase protection insurance. Cover is in effect when eligible items were purchased using the card.
  • Rewards points. If you're looking for rewards and flexibility in a card, this credit card could be for you. You can earn 0.6 Qantas points on all eligible purchases. A cap of 20,000 points per statement period applies. Considering you would have to spend more than $30,000 before the cap would take effect, the cap won't affect most people. ATO payments do not earn points. Annual fees, balance transfers, cash advances, and fees do not earn points either.
  • Sign up bonus. The Bendigo Bank Qantas Platinum Credit card does not offer a sign up bonus. If you want a big one-off boost for your Qantas Frequent Flyer account, you might be interested in a different card with a welcome bonus.

Rates and fees

  • Annual fee. The ongoing annual fee for this card is $149. This is comparable with other offers on the market.
  • Balance transfers. You can balance transfer to the Bendigo Bank Qantas Platinum Credit Card, but it does not have an introductory balance transfer offer. Balance transfers will incur interest at 19.99% p.a. If an interest-free balance transfer is important to you, you can find 0% balance transfer deals here.
  • Cash advances. If you use your card to withdraw cash you will incur interest at the rate of 21.99% p.a. from the date of the cash advance or the date your cash is accessed. An additional one-off fee applies on cash advances.
  • Foreign exchange fee. Transactions made in a foreign currency, whether online or while travelling abroad, will incur a 3% foreign exchange fee.
  • Interest-free period. Qantas Platinum cardholders will enjoy up to 55 days interest-free on purchases when you've repaid the previous statement in full by the due date.
  • Purchases. To attract new customers, the Bendigo Bank Qantas Platinum Credit Card offers 20 months of 0% p.a. interest on purchases. After the introductory period of 20 months, all applicable purchases will attract the standard rate of 19.99% p.a. interest.