Bendigo Bank
Qantas Platinum Credit Card
Bendigo Bank · cred and chrg cards
Provider last updated this product 2026-09-17.
Go to provider
You'll complete your application on
Bendigo Bank's website. Confirm the rate and fees with them
before applying.
With one of the lowest annual fees in the market, and a competitive interest rate, make every day purchases using your Qantas Platinum Credit Card and watch your points soar. Plus, you will also receive up to 55 days interest fee on purchase.
Lending rates
| Type | Rate | Comparison | Purpose | Repayment | Fixed term | Applies to | Interest |
|---|---|---|---|---|---|---|---|
| PURCHASE | 19.99% | - | OTHER | OTHER | - | - | calculated daily, paid monthly |
| Calculated daily, charged monthly | |||||||
| CASH ADVANCE | 21.99% | - | OTHER | UNCONSTRAINED | - | - | calculated daily, paid monthly |
| Calculated daily, charged monthly | |||||||
| BALANCE TRANSFER | 21.99% | - | OTHER | UNCONSTRAINED | - | - | calculated daily, paid monthly |
Fees
| Fee | Type | Amount | Details |
|---|---|---|---|
| Annual Fee | PERIODIC | $149 | Payable on the day before we issue the first Statement of Account for your Account and annually thereafter. |
| International Transaction Fee | TRANSACTION | 3.00% | International Transaction Fee – [3% of the Transaction amount (in AUD)] An International Transaction Fee of 3% of the Transaction amount (in AUD) payable for each Transaction which is conducted in a currency other than Australian dollars (AUD) or in Australian dollars (AUD) but with or using a merchant, payment processor, financial institution or other entity (including an online merchant) who is outside of Australia. Note: It may not always be apparent to you that an online merchant is located outside of Australia. |
| Balance transfer fee | TRANSACTION | 2.00% | Balance Transfer Fee – [2% of the balance transferred] Payable each time we agree to transfer the balance owing by you in respect of a different credit card facility to your Bendigo Bank Credit Card as a Promotional Balance Transfer. |
| Late Payment Fee | LATE_PAYMENT | $15 | Payable each time you fail to pay your Minimum Repayment as stated on a Statement of Account by its due date. |
| Cash Advance Fee | CASH_ADVANCE | 3.00% | Cash Advance Fee – [$3.00 or 3% of Transaction amount, whichever is greater] Payable each time we provide credit in the form of cash or you perform a Transaction we treat as being equivalent to cash. |
| International ATM Withdrawal | TRANSACTION | $5 | Payable whenever you make a cash withdrawal outside of Australia at a non-Bendigo Bank ATM (in addition to the Cash Advance Fee. |
| International ATM Inquiry | TRANSACTION | $5 | Payable whenever you make an Account inquiry outside of Australia at a non-Bendigo Bank ATM. |
| Replacement Card Fee | EVENT | $15 | Payable whenever we issue you a replacement, reissue or redirection card other than by standard post at your request. |
| Bank@Post balance enquiry | TRANSACTION | $0 | When you make balance enquiry at a Bank@Post terminal in an Australia Post Office using a Bendigo Bank card, where this facility is available. |
| Direct Debit | TRANSACTION | 3.00% | Direct Debit – [$3.00 or 3% of Transaction amount, whichever is greater] Payable each time we provide credit in the form of cash or you perform a Transaction we treat as being equivalent to cash. |
| Phone Banking Transfer | TRANSACTION | 3.00% | Phone Banking Transfer – [$3.00 or 3% of Transaction amount, whichever is greater] Payable each time we provide credit in the form of cash or you perform a Transaction we treat as being equivalent to cash. |
| BPAY Withdrawal | WITHDRAWAL | 3.00% | BPAY Withdrawal – [$3.00 or 3% of Transaction amount, whichever is greater] Payable each time we provide credit in the form of cash or you perform a Transaction we treat as being equivalent to cash. |
| Bendigo Bank ATM Withdrawal | TRANSACTION | 3.00% | Bendigo Bank ATM Withdrawal – [$3.00 or 3% of Transaction amount, whichever is greater] Payable each time we provide credit in the form of cash or you perform a Transaction we treat as being equivalent to cash. |
| Periodical Payment (Internal) | TRANSACTION | 3.00% | Periodical Payment (Internal) – [$3.00 or 3% of Transaction amount, whichever is greater] Payable each time we provide credit in the form of cash or you perform a Transaction we treat as being equivalent to cash. |
| EFT Credit Transfer | TRANSACTION | $4 | - |
| Bank Cheque Withdrawal | WITHDRAWAL | $10 | - |
| Transfer | TRANSACTION | 3.00% | Transfer – [$3.00 or 3% of Transaction amount, whichever is greater] Payable each time we provide credit in the form of cash or you perform a Transaction we treat as being equivalent to cash |
| EFTPOS Withdrawal | TRANSACTION | 3.00% | EFTPOS Withdrawal – [$3.00 or 3% of Transaction amount, whichever is greater] Payable each time we provide credit in the form of cash or you perform a Transaction we treat as being equivalent to cash. |
| Bank@Post Withdrawal | WITHDRAWAL | $4 | - |
| Internal Transfer | TRANSACTION | 3.00% | Internal Transfer – [$3.00 or 3% of Transaction amount, whichever is greater] Payable each time we provide credit in the form of cash or you perform a Transaction we treat as being equivalent to cash. |
| Pay Anyone Transfer, Including Osko | TRANSACTION | 3.00% | Pay Anyone Transfer, Including Osko – [$3.00 or 3% of Transaction amount, whichever is greater] Payable each time we provide credit in the form of cash or you perform a Transaction we treat as being equivalent to cash. |
| Periodical Payment to Other Financial Institution | TRANSACTION | $3.75 | - |
| Bank@Post Deposit | TRANSACTION | $4 | - |
| Bendigo Bank ATM Transfer | TRANSACTION | 3.00% | Bendigo Bank ATM Transfer – [$3.00 or 3% of Transaction amount, whichever is greater] Payable each time we provide credit in the form of cash or you perform a Transaction we treat as being equivalent to cash. |
| Cash Withdrawal | WITHDRAWAL | 3.00% | Cash Withdrawal – [$3.00 or 3% of Transaction amount, whichever is greater] Payable each time we provide credit in the form of cash or you perform a Transaction we treat as being equivalent to cash. |
| Retail Purchase | TRANSACTION | $0 | - |
Rate history
The figures behind this chart
| From | Until | Rate |
|---|---|---|
| 2026-08-08 | 2026-09-30 (current) | 19.99% |
Published figures as captured daily since 2026-08-08. A step is the day the provider's published figure changed; days without a published figure carry the last published value.
Features
Who can apply
- min age - 18Additional cardholders must be 16 years old
- natural person
- residency status - Must be an Australian Resident
Limits
- min limit - 3000.00
- max limit - 50000.00
The provider's own documents
Published by the provider under the Consumer Data Right. These are their documents, not ours - they are the authority on this product.
Last updated by data holder: 2026-09-17T03:45:53.843Z · Product ID: f2476015-6ff3-4165-8d89-c8ca7fe76735