Terms, conditions, fees and charges apply. Rates and fees are subject to change. Credit provided by Bendigo and Adelaide Bank Limited ABN 11 068 049 178 Australian Credit Licence 237879.

¹30,000 Bonus Qantas Points – Qantas Business Credit Card Offer

Offer period 10 April 2025 to 31 May 2025: 30,000 bonus Qantas Points for new Qantas Business Credit Card customers.

Application must be submitted between 12:01am AEDT 10 April 2025 and 11:59pm AEST 31 May 2025.

Bendigo Bank may vary or end this offer at any time, and it is only available on the Qantas Business Credit Card. Offer not available in conjunction with any other Bendigo Bank offer. One account per customer. Offer is not available when closing or transferring from another Bendigo Bank credit card account or if you have held a Bendigo Bank credit card product in the last 12 months. Minimum monthly repayments must be made as per your monthly statement and the account must be open/active and not otherwise be in default.

Qantas Points are only available to existing Bendigo Bank customers who are invited to apply for this offer via email. This invitation cannot be transferred.

To receive the 30,000 bonus Qantas Points, you must a) have a valid Australian Business Number (ABN) and provide this to Bendigo Bank upon account opening b) Register for free to be a member of Qantas Business Rewards https://www.qantas.com/au/en/business-rewards/partner/join.html?code=PFBENDIGO c) Apply and be approved for a Bendigo Bank Qantas Business Credit Card during the campaign period.

Bonus Qantas Points will be allocated to your Qantas Business Rewards Account balance within 90 days of account opening. Before bonus Qantas Points are awarded to your Qantas Business Rewards Account, the Qantas Business Credit Card account used must be open/active and not cancelled, closed or otherwise in default and you must make all minimum monthly repayments required by your credit contract and monthly statement. Bonus Qantas Points will appear in your Qantas Business Rewards Activity Statement which can be checked online at qantasbusinessrewards.com/login.

Qantas Points are allocated to a new account once only and this offer will supersede any other points offers available at the time of this campaign.

^#Qantas Points on everyday business expenses

A business must be a Qantas Business Rewards member to earn Qantas Points for business. A one-off join fee of $89.50 including GST normally applies, however this will be waived for Bendigo Bank customers upon approval of a new Qantas Business Credit Card facility. Membership and Qantas Points are subject to the Bendigo Business Credit Card Terms. Qantas Points are offered under Bendigo Business Credit Card Terms. Eligible Purchases are described in the Bendigo Bank Business Credit Card Terms and do not include fees, cash, cash equivalent transactions, balance transfers, premiums paid etc. and transactions for gambling or gaming purposes. You will also not earn Qantas Points on a card or card account where for that statement period, a card account is in arrears or over limit at the end of that statement period. See product page for more detailed information on Qantas Points earn rates. Earn rates are subject to change. Qantas Points are capped at 30,000 per statement period, or 360,000 per annum from the account opening date. Qantas Points will be credited to the Member’s Qantas Business Rewards Account within 60 days of the purchase of the eligible services. To use Qantas Points earned by your business, simply transfer them to any Qantas Frequent Flyer account. We recommend you consult your accountant or tax adviser to ensure you understand possible tax implications, for example fringe benefits tax (if applicable). You must be a Qantas Frequent Flyer member to earn and redeem Qantas Points. Membership and the earning and redemption of Qantas Points are subject to the Qantas Frequent Flyer program terms and conditions. A joining fee may apply. Any questions in relation to Qantas Points under this offer must be made directly to Bendigo Bank by calling 1300 236 344.

³Terms, conditions, exclusions, limits and applicable sub-limits apply. Refer to the Bendigo Credit Card Insurance (Qantas Business) Terms and Conditions for further information. Bendigo Bank does not guarantee any benefits under this insurance.

Complimentary insurance covers: AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 (trading as Allianz Global Assistance) under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz) has issued an insurance group policy to Bendigo and Adelaide Bank Limited ABN 11 068 049 178 AFSL and Australian credit licence 237879 (Bendigo Bank) which allows eligible Bendigo Bank account holders and cardholders to claim under it as third party beneficiaries. Access to the benefit of cover under the Credit Card Complimentary Insurance is provided to eligible Bendigo Bank cardholders by reason of the statutory operation of Section 48 of the Insurance Contracts Act 1984 (Cth). If an eligible person wishes to claim any of these benefits, they will be bound by the eligibility criteria, terms, conditions, exclusions, limits and applicable sub-limits contained in the Bendigo Credit Card Insurance (Bendigo Ready, Low Rate Platinum, Platinum Rewards and Qantas Platinum) Terms and Conditions which may be amended from time to time. Any advice on insurance is general advice only and not based on any consideration of your objectives, financial situation or needs.

⁶Discounted Qantas Club membership is available to Qantas Frequent Flyer members who are Qantas Business Rewards Flyers of the Qantas Business Rewards Member. The discount applies to Qantas Club Individual membership rates and is managed under the Qantas Club Qantas Business Rewards scheme. Qantas Club membership is subject to the Qantas Club Terms and Conditions. Please be advised that lounges are subject to capacity limits at the time of your visit. If you're flying domestically on Qantas, QantasLink or Jetstar within Australia, and on Jetstar within New Zealand you may bring one guest to join you in a Qantas Club lounge. When visiting an international Qantas Club lounge, you are able to invite one guest each time you visit. Both you and your guest need to be travelling together further that day on the same flight. Lounge access eligibility conditions apply.