Bendigo Bank
Qantas Business Credit Card
With one of the lowest annual fees in the market, and a range of insurances, the Qantas Business Credit Card will help your points soar. You will also receive up to 55 days interest free on purchases.
Credit cardsBank updated 31 Aug 2026
At a glance
- Purchase rate
- 19.99%
- Cash advance
- 21.99%
- Annual fee
- $89
- Foreign transaction fee
- 3.00%
- Rewards
- Earn 0.6 Qantas points for every $1 spent on everyday business spend;Earn 0.3 Qantas Points for every $1 spent on eligible utilities and government transactions;Earn 1.6 Qantas Points for every $1 spent on selected Qantas products and services. (T&Cs Apply)
§ 01 — Rates · 2
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Cash advance | — | — | — | 21.99% | — | — |
| Purchase | — | — | — | 19.99% | — | — |
§ 02 — Fees · 24
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| Cash Advance Fee | Cash advance | 3.00% of transaction | — | $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. |
| Replacement Card Fee | Event | $15 | — | Payable whenever we issue you a replacement, reissue or redirection card other than by standard post at your request. |
| 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. |
| Annual Fee | Periodic | $89 | Every 1 yr | Applies when you have a Qantas Business Credit Card linked to your account. This fee is charged per card linked to the account and is charged to the account annually. |
| Bank@Post balance enquiry | Transaction | No fee | — | 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. |
| Bank@Post Deposit | Transaction | $4 | — | — |
| Bendigo Bank ATM Transfer | Transaction | 3.00% of transaction | — | 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… |
| Bendigo Bank ATM Withdrawal | Transaction | 3.00% of transaction | — | 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 equivale… |
| Direct Debit | Transaction | 3.00% of transaction | — | 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. |
| EFT Credit Transfer | Transaction | $4 | — | — |
| EFTPOS Withdrawal | Transaction | 3.00% of transaction | — | 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. |
| Internal Transfer | Transaction | 3.00% of transaction | — | 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. |
| International ATM Inquiry | Transaction | $1.50 | — | Payable whenever you make a facility inquiry outside of Australia at a non-Bendigo Bank ATM. |
| 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). Other financial institutions may charge you a fee for using their ATM… |
| International Transaction Fee | Transaction | 3.00% of transaction | — | 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 (A… |
| Pay Anyone Transfer, Including Osko | Transaction | 3.00% of transaction | — | 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… |
| Periodical Payment (Internal) | Transaction | 3.00% of transaction | — | 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 equiva… |
| Periodical Payment to Other Financial Institution | Transaction | $3.75 | — | — |
| Phone Banking Transfer | Transaction | 3.00% of transaction | — | 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… |
| Retail Purchase | Transaction | No fee | — | — |
| Transfer | Transaction | 3.00% of transaction | — | 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 |
| Bank Cheque Withdrawal | Withdrawal | $10 | — | — |
| Bank@Post Withdrawal | Withdrawal | $4 | — | — |
| BPAY Withdrawal | Withdrawal | 3.00% of transaction | — | 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. |
§ 03 — Features
99 additional cardsGoogle PaySamsung PayApple PayGarmin PayEarn 0.6 Qantas points for every $1 spent on everyday business spend;Earn 0.3 Qantas Points for every $1 spent on eligible utilities and government transactions;Earn 1.6 Qantas Points for every $1 spent on selected Qantas products and services. (T&Cs Apply)Extended WarrantyPurchase ProtectionTravel Insurance
§ 04 — Eligibility & limits
- · Available to businesses
- · Amount $500 to $50,000
§ 06 — Run the numbers
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Published by Bendigo Bank under the Consumer Data Right, last changed by them on 31 Aug 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.