{
  "snapshot_at": "2026-10-24T09:57:52Z",
  "brand": "Bendigo Bank",
  "brand_slug": "bendigo-bank",
  "product_id": "05bc94b5-8ce3-4c8d-9843-678b9de0e2ae",
  "cdr_url": "https://api.cdr.bendigobank.com.au/cds-au/v1/banking/products/05bc94b5-8ce3-4c8d-9843-678b9de0e2ae",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://api.cdr.bendigobank.com.au/cds-au/v1/banking/products/05bc94b5-8ce3-4c8d-9843-678b9de0e2ae'",
  "note": "Verbatim `data` object of the bank's CDR product detail response, as fetched. The live endpoint needs the x-v header shown in how_to_fetch and will not open in a browser.",
  "data": {
    "lastUpdated": "2026-08-31T06:51:48.424Z",
    "productCategory": "CRED_AND_CHRG_CARDS",
    "name": "Qantas Business Credit Card",
    "description": "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.",
    "productId": "05bc94b5-8ce3-4c8d-9843-678b9de0e2ae",
    "brandName": "Bendigo Bank",
    "isTailored": false,
    "bundles": [],
    "cardArt": [
      {
        "title": "Qantas Business Credit Card",
        "cardScheme": "MASTERCARD",
        "cardType": "CREDIT",
        "imageUri": "https://www.bendigobank.com.au/siteassets/business/cards-for-business/qantasbusinesscreditcard/exploreimage-businessrewardscard.png"
      }
    ],
    "features": [
      {
        "featureType": "DIGITAL_WALLET",
        "additionalInfo": "With Bendigo Bank you can turn your phone or smart watch into your wallet. A Wallet includes but is not limited to Google Pay, Samsung Pay, Apple Pay or Garmin Pay, if and when they are available to our customers.",
        "additionalValue": "Google Pay",
        "additionalInfoUri": "https://www.bendigobank.com.au/personal/credit-cards/my-card/digital-wallets/"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalInfo": "With Bendigo Bank you can turn your phone or smart watch into your wallet. A Wallet includes but is not limited to Google Pay, Samsung Pay, Apple Pay or Garmin Pay, if and when they are available to our customers.",
        "additionalValue": "Samsung Pay",
        "additionalInfoUri": "https://www.bendigobank.com.au/personal/credit-cards/my-card/mobile-payments/"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalInfo": "With Bendigo Bank you can turn your phone or smart watch into your wallet. A Wallet includes but is not limited to Google Pay, Samsung Pay, Apple Pay or Garmin Pay, if and when they are available to our customers.",
        "additionalValue": "Apple Pay",
        "additionalInfoUri": "https://www.bendigobank.com.au/personal/credit-cards/my-card/mobile-payments/"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalInfo": "With Bendigo Bank you can turn your phone or smart watch into your wallet. A Wallet includes but is not limited to Google Pay, Samsung Pay, Apple Pay or Garmin Pay, if and when they are available to our customers.",
        "additionalValue": "Garmin Pay",
        "additionalInfoUri": "https://www.bendigobank.com.au/personal/credit-cards/my-card/mobile-payments/"
      },
      {
        "featureType": "ADDITIONAL_CARDS",
        "additionalInfo": "$89 p.a. per card",
        "additionalValue": "99"
      },
      {
        "featureType": "LOYALTY_PROGRAM",
        "additionalInfo": "A business must be a Qantas Business Rewards member to earn Qantas Points for business. A one-off join fee of $89.50 including GST normally applies, however this will be waived for Bendigo Bank customers upon approval of a new Qantas Business Credit Card facility. Membership and Qantas Points are subject to the Bendigo Business Credit Card Terms. ",
        "additionalValue": "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)",
        "additionalInfoUri": "https://www.bendigobank.com.au/business/cards/qantas-business-mastercard/"
      },
      {
        "featureType": "INSURANCE",
        "additionalInfo": "Extended warranty on purchases made with your credit card for up to 1 year after the original manufacturer's warranty ends",
        "additionalValue": "Extended Warranty",
        "additionalInfoUri": "https://www.bendigobank.com.au/globalassets/documents/disclosures/qantas-business-mastercard-insurance-terms-conditions.pdf"
      },
      {
        "featureType": "INSURANCE",
        "additionalInfo": "90 day purchase protection on stolen or accidentally damaged purchases when the total cost of the purchase is charged to your credit card",
        "additionalValue": "Purchase Protection",
        "additionalInfoUri": "https://www.bendigobank.com.au/globalassets/documents/disclosures/qantas-business-mastercard-insurance-terms-conditions.pdf"
      },
      {
        "featureType": "INSURANCE",
        "additionalInfo": "Enjoy a variety of domestic travel insurance benefits.",
        "additionalValue": "Travel Insurance",
        "additionalInfoUri": "https://www.bendigobank.com.au/business/cards/qantas-business-credit-card/"
      }
    ],
    "constraints": [
      {
        "constraintType": "MIN_LIMIT",
        "additionalValue": "500.00"
      },
      {
        "constraintType": "MAX_LIMIT",
        "additionalValue": "50000.00"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "BUSINESS",
        "additionalInfoUri": "https://www.bendigobank.com.au/business/cards/"
      }
    ],
    "fees": [
      {
        "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.",
        "discounts": [],
        "fixedAmount": {
          "amount": "15.000000"
        }
      },
      {
        "name": "International Transaction Fee",
        "feeType": "TRANSACTION",
        "feeMethodUType": "rateBased",
        "additionalInfo": "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.",
        "discounts": [],
        "rateBased": {
          "rateType": "TRANSACTION",
          "rate": "0.0300000000000000",
          "amountRange": {
            "feeMinimum": "3.0000000000000000"
          }
        }
      },
      {
        "name": "Cash Advance Fee ",
        "feeType": "CASH_ADVANCE",
        "feeMethodUType": "rateBased",
        "additionalInfo": "$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": "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).\nOther financial institutions may charge you a fee for using their ATMs. This fee will be displayed at the time of the transaction and allows the customer to accept or decline the fee as shown. If using your credit card interest will be charged from the day the withdrawal is completed.\n",
        "discounts": [],
        "fixedAmount": {
          "amount": "5.000000"
        }
      },
      {
        "name": "International ATM Inquiry ",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "additionalInfo": "Payable whenever you make a facility inquiry outside of Australia at a non-Bendigo Bank ATM.",
        "discounts": [],
        "fixedAmount": {
          "amount": "1.500000"
        }
      },
      {
        "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.",
        "discounts": [],
        "fixedAmount": {
          "amount": "15.000000"
        }
      },
      {
        "name": "Annual Fee",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "additionalValue": "P1Y",
        "additionalInfo": "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.",
        "discounts": [],
        "fixedAmount": {
          "amount": "89.000000"
        }
      },
      {
        "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": "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": "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": "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": "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": " 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": "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": "Bank@Post Withdrawal",
        "feeType": "WITHDRAWAL",
        "feeMethodUType": "fixedAmount",
        "discounts": [],
        "fixedAmount": {
          "amount": "4.000000"
        }
      },
      {
        "name": "Bank@Post Deposit",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "discounts": [],
        "fixedAmount": {
          "amount": "4.000000"
        }
      },
      {
        "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": "Retail Purchase",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "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": "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": "Bank Cheque Withdrawal",
        "feeType": "WITHDRAWAL",
        "feeMethodUType": "fixedAmount",
        "discounts": [],
        "fixedAmount": {
          "amount": "10.000000"
        }
      },
      {
        "name": "EFT Credit Transfer",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "discounts": [],
        "fixedAmount": {
          "amount": "4.000000"
        }
      },
      {
        "name": "Periodical Payment to Other Financial Institution",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "discounts": [],
        "fixedAmount": {
          "amount": "3.750000"
        }
      }
    ],
    "depositRates": [],
    "lendingRates": [
      {
        "lendingRateType": "CASH_ADVANCE",
        "rate": "0.2199000000000000",
        "calculationFrequency": "P1D",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "OTHER",
        "loanPurpose": "OTHER",
        "applicationType": "PERIODIC"
      },
      {
        "lendingRateType": "PURCHASE",
        "rate": "0.1999000000000000",
        "calculationFrequency": "P1D",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "OTHER",
        "loanPurpose": "OTHER",
        "applicationType": "PERIODIC"
      }
    ],
    "additionalInformation": {
      "overviewUri": "https://www.bendigobank.com.au/business/cards/qantas-business-mastercard/",
      "termsUri": "https://www.bendigobank.com.au/globalassets/documents/disclosures/bendigo-business-credit-card-terms-conditions.pdf",
      "feesAndPricingUri": "https://www.bendigobank.com.au/globalassets/documents/disclosures/business-fees-and-charges.pdf"
    },
    "brand": "BENDIGO"
  }
}