Bendigo Bank Qantas Business Credit Card

Name: Bendigo Bank Qantas Business Credit Card
Brand: Bendigo Bank

Data last updated 20 July 2026

19.99%

Purchase rate

$89

Annual fee

25,000

Bonus points

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Bendigo Bank Qantas Business Credit Card card

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CardIQ

39Basic

Basic

Overall score, out of 100 · How this works

55 days interest-free51
Business38
Frequent flyer34
Qantas Points34
Rewards37
Sign-up bonus33
Travel47

Customer reviews

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Pros & cons

What's good

25,000 bonus Qantas Points to start, worth around $300 at our 1.2c-per-point valuation.
Complimentary domestic travel insurance, purchase protection and extended warranty.
No fee to add an additional cardholder.

Worth noting

The $89 annual fee is high for a Standard card, where the typical fee is about $50.
The 19.99% p.a. purchase rate sits above the 18.99% p.a. median if you carry a balance.
Earns 0.6 points per $1 on everyday spend, below the dataset average.
Points earning is capped at 360,000 points a year.

Card details

The basics

Additional cardholder fee: $0 p.a.
Card tier: Standard
Card type: Mastercard
Card use: Business
Credit limit: $500 – $50,000
Credit rating: Good
Rewards program: Qantas Business Rewards

Eligibility

Instant approval: No
Joint application: No
Minimum age: 18 years old
Minimum income: Not specified
Residency: Australian citizen or permanent resident
Temporary residents: Not eligible

Rates & fees

Ongoing interest rates

Cash advances: 21.99% p.a.
Purchases: 19.99% p.a.

Fees

Additional cardholder fee: $0
Annual fee: $89 p.a.
Cash advance fee: 3% of the amount
Foreign transaction fee: 3%
Late payment fee: $15

Repayments

Interest-free period: Up to 55 days on purchases
Minimum repayment: 3% of the closing balance or $10, whichever is greater

Balance transfers

This card has no promotional balance transfer offer. To move existing debt to a lower rate, compare balance transfer cards.

Introductory purchase offer

This card has no introductory purchase rate offer. If you're carrying a balance or planning a big spend, compare 0% purchase cards.

Rewards

Earn rate

Everyday spend: 0.6 pts per $1
Bonus categories: None
Other purchases: None
Overseas spend: None
ATO/government: None
Reduced rate above monthly cap: None
Points cap: Maximum 360,000 points per year
Points expiry: Points don't expire while your account is open and in order.

Sign-up bonus

Bonus spend required: —
Sign-up bonus: 25,000 points

Where these points could take you

Flights you could book with the sign-up bonus plus a year of spending $3,000 a month on this card. One-way from Sydney or Melbourne, one adult, before taxes and carrier charges. Award prices and seat availability change.

Where this card sits vs similar cards

Compared with every other business credit card we list that has the feature. The further right the dot, the better this card does.

FeatureThis cardWhere it ranks

Interest-free days55 daysTied for best (1st of 37 cards)

Overseas fee3.00%Top 25% (7th of 39 cards)

Annual fee$89 a yearMiddle of the market (18th of 39 cards)

Rewards value$259 a yearNot as good as most cards (14th of 21 cards)

Purchase rate19.99%Not as good as most cards (27th of 34 cards)

Sign-up bonus$300Among the weakest we track (10th of 10 cards)

Data as at August 2026. Rates change often, so check the issuer's terms. Factual information, not a recommendation.

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Sources

Credit Card Compare: Australian credit card statisticsHow CardIQ scores cards
Government: Product reference data (Consumer Data Right)
Issuer: Bendigo Bank
Program: Qantas Business Rewards