Bendigo Bank Qantas Platinum Credit Card

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

Data last updated 20 July 2026

19.99%

Purchase rate

$149

Annual fee

55 days

Interest-free

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Bendigo Bank Qantas Platinum Credit Card card

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CardIQ

34Basic

Basic

Overall score, out of 100 · How this works

55 days interest-free48
Balance transfer36
Frequent flyer25
Qantas Points25
Rewards28
Travel43

Customer reviews

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Pros & cons

What's good

Complimentary international travel insurance and extended warranty.
No fee to add an additional cardholder.
Points don't expire while your account is open and in order.

Worth noting

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 20,000 points a month.
3% foreign transaction fee on overseas spending.

Card details

The basics

Additional cardholder fee: $0 p.a.
Card tier: Platinum
Card type: Mastercard
Card use: Personal
Credit limit: $3,000 – $50,000
Credit rating: Good
Rewards program: Qantas Frequent Flyer

Eligibility

Instant approval: No
Joint application: No
Minimum age: 18 years old
Minimum income: $35,000 p.a.
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: $149 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

Limit: Up to your available credit limit
Period: 0 months
Promotional rate: 21.99% p.a.
Revert rate: 0.00% p.a.
Transfer fee: 0%

While you carry a transferred balance you may not receive interest-free days on new purchases.

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 20,000 points per month
Points expiry: Points don't expire while your account is open and in order.

Sign-up bonus

Bonus spend required: —
Sign-up bonus: —

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.

Complimentary insurance

Cover has conditions and exclusions, which are set out in the issuer's PDS. A missing row means we haven't captured that figure, not that the cover is absent.

Overseas travel

Activation: Prepay part of the trip on the card
Activation spend: $500
Age limit: 80 years
Cover limit: $20,000,000
Excess: $250
Maximum trip length: 90 days
Not covered: Pre-existing conditions, unless the insurer agrees in writing
Underwriter: Allianz Australia Insurance Limited

Rental vehicle excess

Activation: Book with the card and take the hire company's waiver
Cover limit: $5,500
Excess: $250
Voids cover: Unsealed roads, drink driving, a driver not on the agreement
What it pays: The hire company's excess, not the vehicle

Purchase protection

Activation: Pay for the item with the card
Annual limit: $25,000
Cover period: 90 days
Excess: $250
Not covered: Cash, consumables and animals
Voids cover: Leaving the item unattended in a public place
What it pays: Theft, loss and accidental damage

Extended warranty

Activation: Pay with the card for an item under manufacturer's warranty
Annual limit: $25,000
Excess: $250
Not covered: Anything the manufacturer's warranty already excluded
Per-item limit: $5,000
What it pays: Mechanical failure once that warranty ends

Where this card sits vs similar cards

Compared with every other personal 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 daysTop 10% (6th of 192 cards)

Overseas fee3.00%Better than most (53rd of 200 cards)

Purchase rate19.99%Middle of the market (97th of 196 cards)

Rewards value$259 a yearMiddle of the market (52nd of 95 cards)

Annual fee$149 a yearNot as good as most cards (128th of 200 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 Frequent Flyer