{
  "source": "https://api.cdr.bendigobank.com.au/cds-au/v1/banking/products/f2476015-6ff3-4165-8d89-c8ca7fe76735",
  "note": "Product Reference Data published by the data holder under the Consumer Data Right, as cached by this site (refreshed every 6 hours).",
  "data": {
    "lastUpdated": "2026-07-15T06:43:48.325Z",
    "productCategory": "CRED_AND_CHRG_CARDS",
    "name": "Qantas Platinum Credit Card",
    "description": "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. ",
    "productId": "f2476015-6ff3-4165-8d89-c8ca7fe76735",
    "brandName": "Bendigo Bank",
    "applicationUri": "https://applynow.bendigobank.com.au/apply/#/apply/new/creditCards/loanDetails/productSelection?productCode=RCA-M1-PFF-PFF",
    "isTailored": false,
    "bundles": [],
    "cardArt": [],
    "features": [
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "With Bendigo Bank you can turn your phone or smart watch into your wallet.",
        "additionalInfoUri": "https://www.bendigobank.com.au/personal/credit-cards/my-card/digital-wallets/"
      },
      {
        "featureType": "ADDITIONAL_CARDS",
        "additionalValue": "99"
      },
      {
        "featureType": "LOYALTY_PROGRAM",
        "additionalInfo": "Earn 0.6 Qantas Points per dollar spent, capped at 20,000 per statement period. Refer to the website for exclusions. ",
        "additionalValue": "Free Qantas Frequent Flyer Membership",
        "additionalInfoUri": "https://www.bendigobank.com.au/personal/credit-cards/qantas-platinum-mastercard/"
      },
      {
        "featureType": "INSURANCE",
        "additionalInfo": "Up to 3 consecutive months international insurance cover when at least $500 of prepaid travel costs are purchased with the card. Terms, conditions, limits and exclusions apply, refer to link below for further information.",
        "additionalValue": "International Travel Insurance ",
        "additionalInfoUri": "https://www.bendigobank.com.au/personal/credit-cards/my-card/benefits-and-rewards/travel-insurance/"
      },
      {
        "featureType": "INSURANCE",
        "additionalInfo": "Cover is activated when you purchase the full value of the covered item with your card ",
        "additionalValue": "Extended Warranty Insurance",
        "additionalInfoUri": "https://www.bendigobank.com.au/personal/credit-cards/my-card/benefits-and-rewards/extended-warranty-insurance/"
      },
      {
        "featureType": "INSURANCE",
        "additionalInfo": "Up to 90 days on stolen or accidentally damaged purchases when the total cost is charged to your credit card",
        "additionalValue": "Purchase Protection Insurance ",
        "additionalInfoUri": "https://www.bendigobank.com.au/personal/credit-cards/my-card/benefits-and-rewards/purchase-protection-insurance/"
      },
      {
        "featureType": "INSURANCE",
        "additionalInfo": "Purchase the total value of your return domestic travel ticket (and your spouse’s and dependants’ if they’re travelling with you) on your card. You may have cover if your domestic flight is delayed, your luggage is lost or you’ve had to cancel your trip due to illness, injury or death of a relative.",
        "additionalValue": "Domestic Travel Insurance",
        "additionalInfoUri": "https://www.bendigobank.com.au/personal/credit-cards/my-card/benefits-and-rewards/domestic-travel-insurance/"
      },
      {
        "featureType": "INSURANCE",
        "additionalInfo": "The cover is activated when you take legal control of the hire car and the entire rental cost is charged to your card ",
        "additionalValue": "Rental Vehicle Excess Insurance",
        "additionalInfoUri": "https://www.bendigobank.com.au/personal/credit-cards/my-card/benefits-and-rewards/global-hire-car-excess-waiver-cover/"
      },
      {
        "featureType": "INTEREST_FREE",
        "additionalInfo": "Up to 55 days interest free",
        "additionalValue": "P55D"
      },
      {
        "featureType": "BALANCE_TRANSFERS",
        "additionalInfo": "A balance transfer is when you transfer all or part of your credit card balance from another bank to a Bendigo Bank credit card",
        "additionalInfoUri": "https://www.bendigobank.com.au/personal/credit-cards/my-card/balance-transfers-for-credit-card/"
      }
    ],
    "constraints": [
      {
        "constraintType": "MIN_LIMIT",
        "additionalValue": "3000.00"
      },
      {
        "constraintType": "MAX_LIMIT",
        "additionalValue": "50000.00"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "18",
        "additionalInfo": "Additional cardholders must be 16 years old"
      },
      {
        "eligibilityType": "NATURAL_PERSON"
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "Must be an Australian Resident"
      }
    ],
    "depositRates": [],
    "fees": [
      {
        "name": "Annual fee",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "additionalValue": "P1Y",
        "additionalInfo": "Payable on the day before we issue the first Statement of Account for your Account and annually thereafter.",
        "discounts": [],
        "fixedAmount": {
          "amount": "149.000000"
        }
      },
      {
        "name": "International Transaction Fee",
        "feeType": "TRANSACTION",
        "feeMethodUType": "rateBased",
        "additionalInfo": "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.",
        "additionalInfoUri": "https://www.bendigobank.com.au/personal/credit-cards/my-card/common-credit-card-fees/",
        "discounts": [],
        "rateBased": {
          "rateType": "TRANSACTION",
          "rate": "0.0300000000000000"
        }
      },
      {
        "name": "Balance transfer fee",
        "feeType": "TRANSACTION",
        "feeMethodUType": "rateBased",
        "additionalInfo": "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.",
        "additionalInfoUri": "https://www.bendigobank.com.au/personal/credit-cards/my-card/common-credit-card-fees/",
        "discounts": [],
        "rateBased": {
          "rateType": "TRANSACTION",
          "rate": "0.0200000000000000"
        }
      },
      {
        "name": "Late Payment Fee",
        "feeType": "LATE_PAYMENT",
        "feeMethodUType": "fixedAmount",
        "additionalInfo": "Payable each time you fail to pay your Minimum Repayment as stated on a Statement of Account by its due date.",
        "additionalInfoUri": "https://www.bendigobank.com.au/personal/credit-cards/my-card/common-credit-card-fees/",
        "discounts": [],
        "fixedAmount": {
          "amount": "15.000000"
        }
      },
      {
        "name": "Cash Advance Fee",
        "feeType": "CASH_ADVANCE",
        "feeMethodUType": "rateBased",
        "additionalInfo": "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.",
        "additionalInfoUri": "https://www.bendigobank.com.au/personal/credit-cards/my-card/common-credit-card-fees/",
        "discounts": [],
        "rateBased": {
          "rateType": "TRANSACTION",
          "rate": "0.0300000000000000",
          "amountRange": {
            "feeMinimum": "3.0000000000000000"
          }
        }
      },
      {
        "name": "International ATM Withdrawal",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "additionalInfo": "Payable whenever you make a cash withdrawal outside of Australia at a non-Bendigo Bank ATM (in addition to the Cash Advance Fee.",
        "discounts": [],
        "fixedAmount": {
          "amount": "5.000000"
        }
      },
      {
        "name": "International ATM Inquiry",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "additionalInfo": "Payable whenever you make an Account inquiry outside of Australia at a non-Bendigo Bank ATM.",
        "additionalInfoUri": "https://www.bendigobank.com.au/personal/credit-cards/my-card/common-credit-card-fees/",
        "discounts": [],
        "fixedAmount": {
          "amount": "5.000000"
        }
      },
      {
        "name": "Replacement Card Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "additionalInfo": "Payable whenever we issue you a replacement, reissue or redirection card other than by standard post at your request.",
        "additionalInfoUri": "https://www.bendigobank.com.au/personal/credit-cards/my-card/common-credit-card-fees/",
        "discounts": [],
        "fixedAmount": {
          "amount": "15.000000"
        }
      },
      {
        "name": "Bank@Post balance enquiry",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "additionalInfo": "When you make balance enquiry at a Bank@Post \nterminal in an Australia Post Office using a Bendigo \nBank card, where this facility is available.",
        "discounts": [],
        "fixedAmount": {
          "amount": "0.000000"
        }
      },
      {
        "name": "Direct Debit",
        "feeType": "TRANSACTION",
        "feeMethodUType": "rateBased",
        "additionalInfo": "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.",
        "discounts": [],
        "rateBased": {
          "rateType": "TRANSACTION",
          "rate": "0.0300000000000000",
          "amountRange": {
            "feeMinimum": "3.0000000000000000"
          }
        }
      },
      {
        "name": "Phone Banking Transfer",
        "feeType": "TRANSACTION",
        "feeMethodUType": "rateBased",
        "additionalInfo": "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.",
        "discounts": [],
        "rateBased": {
          "rateType": "TRANSACTION",
          "rate": "0.0300000000000000",
          "amountRange": {
            "feeMinimum": "3.0000000000000000"
          }
        }
      },
      {
        "name": "BPAY Withdrawal",
        "feeType": "WITHDRAWAL",
        "feeMethodUType": "rateBased",
        "additionalInfo": "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.",
        "discounts": [],
        "rateBased": {
          "rateType": "TRANSACTION",
          "rate": "0.0300000000000000",
          "amountRange": {
            "feeMinimum": "3.0000000000000000"
          }
        }
      },
      {
        "name": "Bendigo Bank ATM Withdrawal",
        "feeType": "TRANSACTION",
        "feeMethodUType": "rateBased",
        "additionalInfo": "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.",
        "discounts": [],
        "rateBased": {
          "rateType": "TRANSACTION",
          "rate": "0.0300000000000000",
          "amountRange": {
            "feeMinimum": "3.0000000000000000"
          }
        }
      },
      {
        "name": "Periodical Payment (Internal)",
        "feeType": "TRANSACTION",
        "feeMethodUType": "rateBased",
        "additionalInfo": "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.",
        "discounts": [],
        "rateBased": {
          "rateType": "TRANSACTION",
          "rate": "0.0300000000000000",
          "amountRange": {
            "feeMinimum": "3.0000000000000000"
          }
        }
      },
      {
        "name": "EFT Credit Transfer",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "discounts": [],
        "fixedAmount": {
          "amount": "4.000000"
        }
      },
      {
        "name": "Bank Cheque Withdrawal",
        "feeType": "WITHDRAWAL",
        "feeMethodUType": "fixedAmount",
        "discounts": [],
        "fixedAmount": {
          "amount": "10.000000"
        }
      },
      {
        "name": "Transfer",
        "feeType": "TRANSACTION",
        "feeMethodUType": "rateBased",
        "additionalInfo": "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",
        "discounts": [],
        "rateBased": {
          "rateType": "TRANSACTION",
          "rate": "0.0300000000000000",
          "amountRange": {
            "feeMinimum": "3.0000000000000000"
          }
        }
      },
      {
        "name": "EFTPOS Withdrawal",
        "feeType": "TRANSACTION",
        "feeMethodUType": "rateBased",
        "additionalInfo": "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.",
        "discounts": [],
        "rateBased": {
          "rateType": "TRANSACTION",
          "rate": "0.0300000000000000",
          "amountRange": {
            "feeMinimum": "3.0000000000000000"
          }
        }
      },
      {
        "name": "Bank@Post Withdrawal",
        "feeType": "WITHDRAWAL",
        "feeMethodUType": "fixedAmount",
        "discounts": [],
        "fixedAmount": {
          "amount": "4.000000"
        }
      },
      {
        "name": "Internal Transfer",
        "feeType": "TRANSACTION",
        "feeMethodUType": "rateBased",
        "additionalInfo": "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.",
        "discounts": [],
        "rateBased": {
          "rateType": "TRANSACTION",
          "rate": "0.0300000000000000",
          "amountRange": {
            "feeMinimum": "3.0000000000000000"
          }
        }
      },
      {
        "name": "Pay Anyone Transfer, Including Osko",
        "feeType": "TRANSACTION",
        "feeMethodUType": "rateBased",
        "additionalInfo": "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.",
        "discounts": [],
        "rateBased": {
          "rateType": "TRANSACTION",
          "rate": "0.0300000000000000",
          "amountRange": {
            "feeMinimum": "3.0000000000000000"
          }
        }
      },
      {
        "name": "Periodical Payment to Other Financial Institution",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "discounts": [],
        "fixedAmount": {
          "amount": "3.750000"
        }
      },
      {
        "name": "Bank@Post Deposit",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "discounts": [],
        "fixedAmount": {
          "amount": "4.000000"
        }
      },
      {
        "name": " Bendigo Bank ATM Transfer",
        "feeType": "TRANSACTION",
        "feeMethodUType": "rateBased",
        "additionalInfo": " 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.",
        "discounts": [],
        "rateBased": {
          "rateType": "TRANSACTION",
          "rate": "0.0300000000000000",
          "amountRange": {
            "feeMinimum": "3.0000000000000000"
          }
        }
      },
      {
        "name": "Cash Withdrawal",
        "feeType": "WITHDRAWAL",
        "feeMethodUType": "rateBased",
        "additionalInfo": "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.",
        "discounts": [],
        "rateBased": {
          "rateType": "TRANSACTION",
          "rate": "0.0300000000000000",
          "amountRange": {
            "feeMinimum": "3.0000000000000000"
          }
        }
      },
      {
        "name": "Retail Purchase",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "discounts": [],
        "fixedAmount": {
          "amount": "0.000000"
        }
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "PURCHASE",
        "rate": "0.1999000000000000",
        "calculationFrequency": "P1D",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "UNCONSTRAINED",
        "loanPurpose": "OTHER",
        "additionalInfo": "Calculated daily, charged monthly",
        "applicationType": "PERIODIC"
      },
      {
        "lendingRateType": "CASH_ADVANCE",
        "rate": "0.2199000000000000",
        "calculationFrequency": "P1D",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "UNCONSTRAINED",
        "loanPurpose": "OTHER",
        "additionalInfo": "Calculated daily, charged monthly",
        "applicationType": "PERIODIC"
      },
      {
        "lendingRateType": "BALANCE_TRANSFER",
        "rate": "0.2199000000000000",
        "calculationFrequency": "P1D",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "UNCONSTRAINED",
        "loanPurpose": "OTHER",
        "applicationType": "PERIODIC"
      }
    ],
    "additionalInformation": {
      "overviewUri": "https://www.bendigobank.com.au/personal/credit-cards/qantas-platinum-mastercard/",
      "termsUri": "https://www.bendigobank.com.au/globalassets/documents/disclosures/bendigo-credit-card-terms-conditions.pdf",
      "eligibilityUri": "https://www.bendigobank.com.au/disclosure-documents/",
      "feesAndPricingUri": "https://www.bendigobank.com.au/globalassets/documents/disclosures/schedule-of-fees-charges-and-transaction-account-rebates.pdf"
    },
    "brand": "BENDIGO"
  }
}