Bendigo Bank Qantas Business Mastercard

19.99% p.a.

No current offer

$89

Qantas Frequent Flyer

Bendigo Bank Qantas Business Mastercard

19.99% p.a.

No current offer

$89

Qantas Frequent Flyer

Mozo Review   Bendigo Bank Qantas Business Mastercard Review

Last updated: 21 October 2019.

What's hot:
  • Low $89 annual fee

  • Concierge service available

  • Complimentary travel insurance

  • 2019 Mozo Experts Choice Award

What's not:
  • 0.6 points per dollar on Mastercard

Mozo snapshot:

If you’re a business owner looking to get a little more bang for your buck every time you use your plastic, then the Bendigo Bank Qantas Business Mastercard could be just the ticket. This business credit card features a 19.99% purchase rate, a reasonable $89 annual fee and it even took out a 2019 Mozo Experts Choice Award for best Qantas Frequent Flyer Business Credit Card


Key features:

Many business owners spend more time in the sky than they do on the ground, so why not take advantage of that with the Bendigo Bank Qantas Business Mastercard? Cardholders will enjoy a range of travel perks, including complimentary domestic travel insurance, commission-free travellers cheques and concierge service. You'll also be able to transfer points to your Qantas Frequent Flyer account to be put towards your next flight. 

Speaking of points, cardholders will earn 0.6 points per dollar spent on Mastercard (0.3 points per dollar on eligible government transactions). However, purchases on selected Qantas products and services will earn 1 point per dollar spent. 

The Bendigo Bank Qantas Business Mastercard also comes with a manageable $89 annual fee but a high 19.99% purchase rate, so this is not a card you want to carry a balance on. Any eligible purchase you make on the card comes with extended warranty and purchase protection, just in case something goes wrong. 

Who it's good for:

The Bendigo Bank Qantas Business Mastercard could be a good option for business owners who are more concerned with redeeming various travel perks, rather than points. 


Any catches?

If earning points are your game, then this card may not be for you, as you’ll only earn 0.6 points per dollar. The 19.99% purchase rate is also something to consider, as if you fail to pay your balance off in full every month, you could be left with a big interest bill. 



Rewards program details

Rates and fees information correct as at 3 April 2020. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
What your points get you

Fly Sydney to London return

110,400 points

Fly Sydney to Melbourne one-way

8,000 points

$100 Giftcard

18,690 points

$100 Cash

-

Points earning

0.6 points per dollar on Mastercard, up to 30000 points per month

Rewards scheme

Points are automatically credited to the Qantas Frequent Flyer program.

Value of rewards points

Spend $31,150 (Mastercard)

Spend $13,333 (Mastercard)

Spend $184,000 (Mastercard)

at 30,000 points monthly

Never

How do we calculate the rewards?

To work out the "Rewards value minus fees" in our Rewards Revealer we:

  • calculate how many points you'd get each year,

  • figure out how many flights or gift cards or cashback credits you could get for those points,

  • work out what that's actually worth to you,

  • take off the annual fee you'd pay.

More details:

  • Our calculations are designed to help you compare the value of different rewards schemes. To do this, we've looked at earning a one-way Sydney-Melbourne flight excluding taxes and charges, a return Sydney-London flight excluding taxes and charges, a $100 shopping Gift Card and $100 cashback. Most cards will also offer other rewards, which may be worth more or less than the ones we've shown.

  • We have made no allowance for bonus points for using your card at specific merchants, introductory offers or special offers. We have not assigned any value to instant discounts, insurances, ticketing and concierge services or other such benefits.

  • Rewards value calculations do not take credit card interest into account. If you do not pay off your card each month you may be better off looking for a card based on interest rates than on the value of rewards.

  • In products that have more than one card, a different mix of spend between American Express / Visa / Mastercard will give different results. Mozo's Rewards Revealer lets you choose the mix based on the way you would use such a product, and gives you tailored results.

  • We assume flights purchased with airline points are 'classic' or 'reward' economy seats with restricted seat availability. 'Any seat' rewards will probably cost more.

  • To compare the value of flight rewards, we sample online retail flight prices once a quarter based on the average price on a Wednesday 3 months in advance but outside NSW school holidays. For domestic flights we take the lowest available fare from each flight on that day from Qantas Red e-deal, Virgin Australia Saver including baggage and Jetstar Starter including baggage. We calculate the average price excluding taxes and surcharges for each airline, and also the average across all airlines (which we use when rewards are travel agent vouchers). For international flights, we take the lowest available fares on that same Wednesday from each of Qantas, Emirates, Malaysian, Etihad, Singapore, Cathay Pacific and Thai, assuming a return flight 2 weeks later, calculate the average price before taxes and surcharges and use this as our assumed cost of a flight on any airline.

  • Shopping rewards are based on $100 gift cards from a major national department store.

  • We make every effort to ensure our calculations are correct and up to date but make no guarantees.

Close

Rate and fee details

Rates
  • 19.99% p.a.

  • none

  • No current offer

  • none

  • 21.99% p.a.

  • 55

Fees
  • $89.00

  • none

  • none

  • none

  • $15.00

  • 0.50%, Min $3.25

  • 3.00%

  • $5.00

  • $10.00

  • $89.00

Features
  • $10.00

  • 3.0

  • yes

  • none

Payment options

Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, Garmin Pay

Rewards privileges

Concierge,
Travel Insurance,
Commission-free Travellers Cheques,
Extended Warranty,
Purchase Protection

Customer Reviews

This product is not currently reviewed.

Bendigo Bank

About Bendigo Bank

See Bendigo Bank business credit cards

Promoted

American Express

American Express

Qantas Ultimate Card

20.74% p.a.

No current offer

$450

Qantas Frequent Flyer

Promoted

ING

ING

Orange One Credit Card

11.99% p.a.

No current offer

$0

Promoted

CUA

CUA

Low Rate Credit Card

11.99% p.a.

0% p.a. for 18 months and then 21.74% p.a.

$49 $0 in the first year

Promoted

American Express

American Express

Qantas Discovery Card

20.74% p.a.

No current offer

$0

Qantas Frequent Flyer

Promoted

Heritage Bank

Heritage Bank

Gold Low Rate

10.80% p.a.

No current offer

$0

Promoted

ING

ING

Orange One Platinum Credit Card

16.99% p.a.

No current offer

$149

Cashback Rewards

Promoted

Bankwest

Bankwest

Zero Platinum Mastercard

17.99% p.a.

2.99% p.a. for 9 months and then 17.99% p.a.

$0

Promoted

American Express

American Express

Velocity Escape Card

20.74% p.a.

No current offer

$0

Velocity Frequent Flyer

Promoted

American Express

American Express

Qantas Ultimate Card

Qantas Frequent Flyer

$450

100,000

1.25 points uncapped

Promoted

CUA

CUA

Platinum Credit Card

Life Rich Rewards

$149 $0 in the first year

No current offer

1 point up to 100,000 points/year

Promoted

ING

ING

Orange One Platinum Credit Card

Cashback Rewards

$149

No current offer

1 point up to $3,000/month

Promoted

American Express

American Express

Qantas Discovery Card

Qantas Frequent Flyer

$0

No current offer

0.75 points uncapped

Promoted

Heritage Bank

Heritage Bank

Platinum

Heritage Credits

$125 $0 when you spend over $35,000 p.a

No current offer

0.002 points uncapped

Promoted

American Express

American Express

Velocity Platinum Card

Velocity Frequent Flyer

$375

50,000

1.25 points uncapped

Promoted

American Express

American Express

Velocity Escape Card

Velocity Frequent Flyer

$0

No current offer

0.75 points uncapped

Promoted

American Express

American Express

Explorer Credit Card

Membership Rewards

$395

50,000

2 points uncapped

Promoted

CUA

CUA

Low Rate Credit Card

11.99% p.a.

0% p.a. for 18 months and then 21.74% p.a.

$49 $0 in the first year

Promoted

Bankwest

Bankwest

Zero Platinum Mastercard

17.99% p.a.

2.99% p.a. for 9 months and then 17.99% p.a.

$0

Promoted

Bank First

Bank First

Visa Classic Credit Card

0% p.a. for 6 months then 12.54% p.a.

0% p.a. for 6 months and then 12.54% p.a.

$0

Promoted

Suncorp

Suncorp

Clear Options Platinum

0% p.a. for 14 months then 20.74% p.a.

0% p.a. for 14 months and then 21.99% p.a.

$129 $49 in the first year

Suncorp Rewards

Promoted

Virgin Money

Virgin Money

Virgin Australia Velocity Flyer Card - Purchase Rate Offer

0% p.a. for 14 months then 20.74% p.a.

0% p.a. for 6 months and then 20.99% p.a.

$129 $64 in the first year

Velocity Frequent Flyer

Promoted

Credit Union SA

Credit Union SA

Education Community Credit Card

0% p.a. for 6 months then 9.99% p.a.

0% p.a. for 6 months and then 9.99% p.a.

$0

Promoted

ING

ING

Orange One Credit Card

11.99% p.a.

No current offer

$0

Promoted

CUA

CUA

Low Rate Credit Card

11.99% p.a.

0% p.a. for 18 months and then 21.74% p.a.

$49 $0 in the first year

Promoted

Heritage Bank

Heritage Bank

Gold Low Rate

10.80% p.a.

No current offer

$0

Promoted

Credit Union SA

Credit Union SA

Education Community Credit Card

0% p.a. for 6 months then 9.99% p.a.

0% p.a. for 6 months and then 9.99% p.a.

$0

Promoted

Bendigo Bank

Bendigo Bank

Low Rate Mastercard

11.99% p.a.

0% p.a. for 18 months and then 11.99% p.a. (2.00% balance transfer fee)

$45

Promoted

Credit Union SA

Credit Union SA

Visa Credit Card

10.49% p.a.

0% p.a. for 6 months and then 10.49% p.a.

$39

Promoted

Bendigo Bank

Bendigo Bank

Low Rate Platinum Mastercard

11.99% p.a.

0% p.a. for 6 months and then 11.99% p.a.

$89

Promoted

ING

ING

Orange One Credit Card

11.99% p.a.

No current offer

$0

Promoted

CUA

CUA

Low Rate Credit Card

11.99% p.a.

0% p.a. for 18 months and then 21.74% p.a.

$49 $0 in the first year

Promoted

Heritage Bank

Heritage Bank

Gold Low Rate

10.80% p.a.

No current offer

$0

Promoted

ING

ING

Orange One Platinum Credit Card

16.99% p.a.

No current offer

$149

Promoted

Bankwest

Bankwest

Zero Platinum Mastercard

17.99% p.a.

2.99% p.a. for 9 months and then 17.99% p.a.

$0

Promoted

Heritage Bank

Heritage Bank

Platinum

16.99% p.a.

No current offer

$125 $0 when you spend over $35,000 p.a

Promoted

Credit Union SA

Credit Union SA

Education Community Credit Card

0% p.a. for 6 months then 9.99% p.a.

0% p.a. for 6 months and then 9.99% p.a.

$0

Promoted

Bendigo Bank

Bendigo Bank

Low Rate Mastercard

11.99% p.a.

0% p.a. for 18 months and then 11.99% p.a. (2.00% balance transfer fee)

$45