Earn Qantas Points and enjoy a wide range of benefits.
Three reasons to get a Qantas Platinum Credit Card
Find out if this card is the right fit for you.
Qantas points
Earn 0.6 Qantas points per dollar spent, capped at 20,000 per statement period.2
Platinum travel perks
Up to 3 consecutive months international travel insurance (for persons under 81 years).7
Security
24/7 fraud monitoring and no liability for unauthorised transactions.5
Qantas Platinum summary
A Platinum credit card that lets you earn Qantas points for everyday purchases, plus gives you extra travel perks.
- Earn 0.6 Qantas points per dollar spent, capped at 20,000 per statement period2
- Free Qantas Frequent Flyer membership
- Up to 3 consecutive months international travel insurance (for persons under 81 years)7
- Extend warranty on covered purchases made with your credit card7
- 90 day purchase protection on stolen, accidentally damaged purchases when the total cost of the purchase is charged to your participating credit card7
- No fee for additional cardholders
- 24/7 fraud monitoring and no liability for unauthorised transactions5
- Up to 55 days interest free4
- Use everywhere Mastercard is accepted
- Access Mastercard Priceless® Cities exclusive experiences and special offers
- Mobile payments with your smart phone and smart watch
Check my eligibility
Before you apply, make sure are eligible and have your documentation ready.
Select what to display below
1. Your status
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I'm an individual, not a company
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I'm 18+ years of age
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I'm not currently bankrupt or insolvent
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I’m looking for a credit card for personal use, not business use
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I’m applying for a credit card in my name only
2. Your residency
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I'm an Australian citizen or permanent resident who is living/working in Australia.
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I'm the holder of one of the following acceptable visa subclasses and have applied for permanent Australian residency and have a minimum of 12 months remaining on my visa: 188, 489, 491, 494, 482 (excluding short term stream)
3. Your income
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I receive a regular income from one of the following accepted sources:
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- PAYG (Permanent, non-permanent and casual employment)
- Managed superannuation
- Self-managed superannuation
- Self employed
Rates and fees
Check out the below rates and fees that apply to the Qantas Platinum Credit Card. For the full list of fees and charges, please refer to the credit card terms and conditions.
Check out some common FAQs to understand how rates and fees work.
Check out some common FAQs to understand how rates and fees work.
Annual fee
$149 p.a.
Purchase interest rate
19.99% p.a.
Balance transfer rate
21.99% p.a.
Cash advance rate
21.99% p.a.
Minimum credit limit
$3,000
Additional card holders fee
$0
Discover the Bendigo Bank app
For convenient banking on the go, download the Bendigo Bank app. Big on ease, speed and security, it delivers all the tools you’ll need for seamless online banking.
- Log in quickly and securely with biometric authentication or a Four-digit PIN
- See balances without logging in using Quick Balances
- Pay people and bills in seconds with PayID®, Osko, BPAY
- Add your debit or credit card to Apple Pay or Google Pay from the app
- Card controls at your fingertips
- Safe and secure 24/7
Download the Bendigo Bank app now:
Get the Qantas Platinum Credit Card
Check you meet our eligibility criteria. Apply for this card and get access to useful features.
New customers
If you are a new customer you can open at your preferred branch.
Existing customers
If you are an existing customer, you can apply via e-banking.
FAQs
Get answers to your common questions about rates and fees for our credit cards.
How do annual fees work?
If you have a credit card an annual fee may apply. Once you sign up to one of our credit cards, that’s when the annual fee becomes payable.
If an annual fee applies to your Bendigo Bank credit card it will usually be debited to your card account on the day before your first monthly statement is issued. From then on, it’ll be charged annually unless stated otherwise.
If you’re looking to reduce the annual fee you’re paying, and you aren’t using all the benefits of your card, it might be worth considering a Bendigo Ready Credit Card with no annual fee to save money. Compare our cards, contact your local branch, call us to find out more.
What is a purchase interest rate?
A credit card's interest is the cost linked with borrowing money from your bank. Interest rates are usually stated as an annual percentage rate. The purchase interest rate is generally advertised and applies when there is no interest free period.
What is a balance transfer?
A balance transfer is when you transfer all or part of your credit card balance from another bank to a Bendigo Bank credit card.
See how much you could save by transferring your existing credit card balance to a Bendigo Bank credit card by using our Balance Transfer Calculator.
What is a cash advance rate and fee?
When you use your Bendigo Bank credit card to withdraw cash or for transactions considered cash like, it s important to understand two different charges may apply: a cash advance fee and interest calculated at the cash advance rate.
The Cash Advance Fee is a one time charge applied for conducting the transaction. Separately, these advances are subject to interest at the Cash Advance Rate, which can be higher than the standard rate for purchases. Furthermore, cash advances do not have an interest free period, meaning interest begins to accumulate from the moment the transaction is made until the balance is paid in full.
The term cash advance extends beyond simple cash withdrawals. It includes credit obtained through Pay Anyone, Bendigo Phone Banking, or e banking transactions. Additionally, setting up a direct debit with a merchant using your BSB and account number, as well as any transactions related to gambling, lottery tickets, prepaid cards, or money transfers, are all treated as cash advances and will attract the associated fees and interest rate.
To avoid incurring cash advance fees, the most straightforward approach is to refrain from carrying out these types of transactions. For greater control, you can use the card management features available in your e banking or the Bendigo Bank app. By logging in, navigating to the Cards section, and selecting your card, you can access a list of transaction categories. From there, you have the option to switch off your ability to make cash withdrawals and other cash like transactions, such as those for gambling.
What is a minimum credit limit?
A minimum credit limit is the smallest amount of credit that can be approved for a particular credit card.
If you’re looking to make changes to your credit card, such as managing your credit limit, updating your details or closing your account, there’re a number of ways to do so: Call our Credit Card team on 1300 236 344. To get help contact any Bendigo Bank branch.
What is an additional card holder fee?
You can add an additional cardholder to your Bendigo Bank credit card at no extra cost, meaning it s $0 to add any additional cardholder. This allows them to make purchases and payments without incurring any additional fees for simply being added to the account.
Helpful tools
Use our helpful tools to help compare and selected the right credit card for you.
Need help?
Whether you prefer online resources, phone assistance, or a friendly face-to-face chat, we offer a variety of ways to get the support you need. Let us know how we can help!
Online resources
We’ve got contact information and helpful resources to help you find the answers you need.
At a branch
Use our branch locator to search for a branch, agency or ATM near you.
Phone
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Things you should know
Terms, conditions, fees and charges apply. All information is correct as at 1 February 2023 and is subject to change. Full details available on application. Credit criteria apply. Credit provided by Bendigo and Adelaide Bank Limited ABN 11 068 049 178 Australian Credit Licence 237879.
Target Market Determinations for products are available.
2Qantas Points: To earn Qantas Points with the Qantas Platinum Credit Card, you must be a member of the Qantas Frequent Flyer program and provide your Qantas Frequent Flyer number to Bendigo Bank. Membership of the Qantas Frequent Flyer program is subject to the terms and conditions of the Qantas Frequent Flyer program, which can be found at Qantas.com/terms. 0.6 Qantas Points will be earned on eligible transactions, transferred monthly to the Frequent Flyer account and are capped at 20,000 points per month – see Bendigo Credit Card Terms and Conditions for details or call 1300 236 344. Ineligible transactions are BPAY transactions, cash advances, payments to the Australian Taxation Office, cash equivalent transactions, business transactions, balance transfers, and transactions for gambling or gaming purposes, any fee or charge, including any government charges or duties, interest and finance charges payable or paid on your credit card, transactions which are disputed, fraudulent or involve the abuse or unauthorised use of your credit card and payments and purchases which are refunded or reimbursed. To obtain your complimentary QFF membership go to qantaspoints.com/ffjoinbendigo.
4Up to 55 days interest free: The up to 55-day interest-free period consists of your 30-day statement cycle, plus the 25 days to the payment due date. The number of interest-free days will vary for each transaction, depending on which day in the 30-day statement cycle the purchase is made.
5Mastercard Zero Liability: Conditions for protection apply, see mastercard.com.au/zero-liability
7Bendigo Credit Card Insurance: Terms, conditions, exclusions, limits and applicable sub-limits apply. Refer to the Bendigo Credit Card Insurance (Bendigo Ready, Low Rate Platinum, Platinum Rewards, Qantas Platinum) 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.
Mastercard trademark: Mastercard and Priceless are registered trademarks, and the circles design and Tap & go are trademarks of Mastercard International Incorporated.
Apple and Apple Pay are trademarks of Apple Inc., registered in the U.S. and other countries.
Google Pay is a trademark of Google LLC.
PayID® is a registered trademark of NPP Australia Limited.
