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Breeze Classic Mastercard

Bankwest Breeze Classic MastercardĀ®

Our lowest ongoing rate for purchases and balance transfers makes this a great choice for making that big purchase or consolidating debt.

Breeze Platinum Mastercard

BankwestĀ Breeze Platinum MastercardĀ®

Get our lowest ongoing rates, complimentary overseas travel insurance and no foreign transaction fees. 5

Zero Classic Mastercard

Bankwest Zero Classic MastercardĀ®

No annual fee, ever.

Zero Platinum Mastercard

Bankwest Zero Platinum MastercardĀ®

No annual or foreign transaction fees, plus complimentary overseas travel insurance ā€“ this may be your ultimate travel companion. 5

More Classic Mastercard

Bankwest More Classic MastercardĀ®

Get rewarded for your everyday spending. 3

More Platinum Mastercard

Bankwest More Platinum MastercardĀ®

Get even more rewards for your everyday spending, plus complimentary overseas travel insurance and no foreign transaction fees. 3 5

More World Mastercard

Bankwest More World MastercardĀ®

Get a world of rewards when you spend, plus 10 complimentary airport lounge visits each calendar year, complimentary travel insurance and unlimited rewards points potential. 5 6 Please review theĀ Mastercard Travel Pass Terms & Conditions before you make your first lounge visit. Download the Mastercard Travel Pass app from the App Store, Google Play or the Mastercard Travel Pass website. For more information refer to the 'Things you should know' section at the bottom of this page.

Qantas Platinum Mastercard

Bankwest Qantas Platinum MastercardĀ®

Earn Qantas Points on eligible purchases, plus get complimentary overseas travel insurance and no foreign transaction fees. 5

Qantas World Mastercard

Bankwest Qantas World MastercardĀ®

Our highest points-earning potential. Plus, get complimentary overseas travel insurance and no foreign transaction fees. 5

Product Name
Bankwest Breeze Classic MastercardĀ®
BankwestĀ Breeze Platinum MastercardĀ®
Bankwest Zero Classic MastercardĀ®
Bankwest Zero Platinum MastercardĀ®
Bankwest More Classic MastercardĀ®
Bankwest More Platinum MastercardĀ®
Bankwest More World MastercardĀ®
Bankwest Qantas Platinum MastercardĀ®
Bankwest Qantas World MastercardĀ®

Introductory offers

Introductory purchase rate
0% p.a. for 12 months 1
0% p.a. for 12 months 1
Intro balance transfer rate
0% p.a. for 12 monthsĀ (2% balance transfer fee applies) 1
0% p.a. for 12 monthsĀ (2% balance transfer fee applies) 1
0% p.a. for 28 monthsĀ (3% balance transfer feeĀ applies) 1
0% p.a. for 28 monthsĀ (3% balance transfer fee applies) 1
0% p.a. Intro balance transfer rate for firstĀ 6 months (1% balance transfer fee applies)
0% p.a. Intro balance transfer rate for firstĀ 6 months (1% balance transfer fee applies)
0% p.a. Intro balance transfer rate for firstĀ 6 months (1% balance transfer fee applies)
2.99% p.a. intro balance transfer rate for first 9 months

2.99% p.a. intro balance transfer rate for first 9 months

Bonus points
Earn up to 50,000 Bonus Qantas Points. Spend $3,000 on eligible purchases in the first 90 days and keep your card open for 15 months. Limited time for new customers only. Other fees and T&Cs apply. 8
None

Features

Minimum credit limit
$1,000
$6,000
$1,000
$6,000
$1,000
$6,000
$12,000
$3,000
$12,000
Interest free days on purchases 2 You qualify for interest free days on purchases if you pay the closing balance owing (excluding any promotional or introductory balance transfer amount) on your current statement in full by the due date. Section 24 of our Credit Cards Conditions of Use (PDF)Ā further outlines how this interest free period is calculated.
Up to 55 days
Up to 55 days
Up to 55Ā days
Up to 55 days
Up to 44 days
Up to 44 days
Up to 44 days
Up to 44 days
Up to 44 days
Points earned on eligible purchases
1.5 More Rewards points per $1 spent on eligible purchasesĀ up to 150,000 points every year ? Most purchases are eligible purchases except some things such as balance transfers, bank fees, gambling, government charges and anything else listed in Section 5 of our Bankwest More Rewards terms and conditions.
2 More Rewards points per $1 spent on eligible purchasesĀ up to 400,000 points every year ? Most purchases are eligible purchases except some things such as balance transfers, bank fees, gambling, government charges and anything else listed in Section 5 of our Bankwest More Rewards terms and conditions.
2.5 More Rewards points per $1 spent on eligible purchasesĀ with unlimited point earning potential ? Most purchases are eligible purchases except some things such as balance transfers, bank fees, gambling, government charges and anything else listed in Section 5 of our Bankwest More Rewards terms and conditions.
0.6Ā Qantas Points per $1 on the first $2,500 spent per month, 0.3 points thereafterĀ  7
1Ā Qantas Point per $1 on the first $5,000 spent per month,Ā 0.5 points thereafter 7

Rates and fees

Ongoing purchase rate (after any introductory period) ?
12.99% p.a. 1
12.99% p.a. 1
14.99% p.a. 1
14.99% p.a. 1
19.99% p.a.
19.99% p.a.
19.99% p.a.
19.99% p.a.
19.99% p.a.
Ongoing balance transfer rate (after any introductory period) ? The ongoing balance transfer rate is the rate that applies after the introductory period finishes.Ā 
12.99% p.a. 1
12.99% p.a. 1
14.99% p.a. 1
14.99% p.a. 1
19.99% p.a.
19.99% p.a.
19.99% p.a.
19.99% p.a.
19.99% p.a.
Cash advance rate (for online transfers and using your credit card to withdraw cash)
21.99% p.a.
21.99% p.a.
21.99% p.a.
21.99% p.a.
21.99% p.a.
21.99% p.a.
21.99% p.a.
21.99% p.a.
21.99% p.a.
Cash advance fee (for online transfers and using your credit card to withdraw cash)
3% of transaction amount or $4 (whichever is greater)
3% of transaction amount or $4 (whichever is greater)
3% of transaction amount or $4 (whichever is greater)
3% of transaction amount or $4 (whichever is greater)
3% of transaction amount or $4 (whichever is greater)
3% of transaction amount or $4 (whichever is greater)
3% of transaction amount or $4 (whichever is greater)
3% of transaction amount or $4 (whichever is greater)
3% of transaction amount or $4 (whichever is greater)
Annual fee
$49
$69
$0
$0
$100
$160
$270
$160
$270
Foreign transaction fee 4
2.95%Ā of the transaction amount
0%
2.95%Ā of the transaction amount
0%
2.95%Ā of the transaction amount
0%
0%
0%
0%

Extra benefits

Complimentary overseas travel insurance 5
Complimentary Extended Warranty, Price Guarantee and Purchase Security Insurance 5
Complimentary airport lounge access 6 Please review theĀ Mastercard Travel Pass Terms & Conditions before you make your first lounge visit. Download the Mastercard Travel Pass app from the App Store, Google Play or the Mastercard Travel Pass website. For more information refer to the 'Things you should know' section at the bottom of this page.

Rates are subject to change. Other fees and charges may apply.
A full list of fees will be outlined in your credit card contract. See the Credit Card Key Facts Sheet (PDF) and ā€˜Credit card terms and conditions' section of this page for more information.
Note: Your eligibility for a Classic, Platinum or World Mastercard credit card depends on your approved limit.

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  1. Breeze Mastercard introductory offer:
    Introductory balance transfer rate offer and introductory purchase rate offer is only available to new Bankwest Breeze Mastercard customers who apply from 10 November 2023 until the promotion ends, and are approved. Excludes product transfers from existing Bankwest credit cards.

    Introductory balance transfer rate offer and introductory purchase rate offer:

    • A 2% balance transfer fee is payable on all transactions to which that balance transfer rate applies
    • Introductory rate excludes cash advances (rate of 21.99% p.a. applies)
    • Applies from the date the card is opened, regardless of when any balance transfer or purchase is processed by us
    • After the intro period, the interest rate on any outstanding transferred balance or purchase will be charged at the ongoing rate for purchases and balance transfers as outlined in your credit card schedule
    • Minimum balance transfer amount is $500
      Only non-Bankwest-branded credit cards can be balance transferred to Bankwest Mastercard credit cards
    • A balance transfer request will only be processed up to 95% of your approved credit limit.

    View balance transfer terms and conditions.

    Bankwest Zero Mastercard introductory offer:
    Introductory balance transfer rate offer is only available to new Bankwest Zero Mastercard customers who apply from 10 November 2023 until the promotion ends, and are approved. Excludes product transfers from existing Bankwest credit cards.

    Introductory balance transfer rate:

    • A 3%Ā balance transfer fee is payable on all transactions to which that balance transfer rate applies
    • Introductory balance transfer rate excludes cash advances (rate of 21.99% p.a. applies)
    • Applies from the date the card is opened, regardless of when any balance transfer is processed by us
    • After the intro period, the interest rate on any outstanding transferred balance will be charged at the ongoing rate for balance transfers as outlined in your credit card schedule
    • Minimum balance transfer amount is $500
    • Only non-Bankwest-branded credit cards can be balance transferred to Bankwest Mastercard credit cards
    • A balance transfer request will only be processed up to 95% of your approved credit limit.

    View balance transfer terms and conditions.

  2. You qualify for interest free days on purchases if you pay the closing balance owing (excluding any promotional or introductory balance transfer amount) on your current statement in full by the due date. Section 24 of our Credit Cards Conditions of Use (PDF) further outlines how this interest free period is calculated.
  3. More Rewards points are earned in accordance with and subject to the Bankwest More Rewards Terms and Conditions (PDF). Exclusions, limitations and points caps apply. More Rewards points will only be credited to your account once you have spent at least $1,500 on eligible purchases and your account has been open for at least 60 days.

    Annual bonus points will not be available to Account Holders who open a Card Account after 31 July 2023. See Bankwest More Rewards Terms and Conditions (PDF) for more information.

  4. Foreign transactions are transactions occurring outside of Australia whether in foreign currency or Australian dollars including if you are in Australia (for example, online) where the merchant or the financial institution or entity processing the transaction is located overseas. No foreign transaction fees or overseas ATM fees apply for Platinum or World customers. Other fees and charges may apply, including Overseas ATM operator and local non-bank ATM operators may charge a fee.
  5. Complimentary overseas travel insurance provides base cover only and limitations, exclusions and eligibility criteria apply. See theĀ Credit Card Insurances Product Disclosure Statement and Information Booklet (PDF)Ā for details.

    Coronavirus (COVID-19)
    COVID-19 cover under the Overseas Emergency Medical and Hospital Expenses benefit is now included for travellers whose journey commenced on or after 24 August 2022. If you have purchased any upgraded cover before 24 August, regardless of the date travel commences, COVID-19 cover is not included under Overseas Emergency Medical and Hospital Expenses benefit. There is no COVID-19 cover for cruise travel or cancellation claims related to COVID-19. Terms and conditions apply.

    There is no cover under any other benefit for claims related to COVID-19 for all destinations. For more information please refer to theĀ Credit Card Insurance PDS (PDF).

  6. To gain access to participating airport lounges, you must register your Bankwest More World Mastercard on the Mastercard Travel Pass website or app, generate a membership QR code and present this along with your boarding pass for validation. More World Mastercard customers receive ten complimentary lounge visits every year, per account, each visit can be used by either the primary cardholder or guest. Guest must always be accompanied by the primary cardholder and cannot use the access on their own. Please note, your lounge access may be blocked if your account is closed, in arrears, reported lost or stolen, or has been blocked by us for any reason. To redeem an offer visit the Mastercard Travel Pass website or app, select your preferred offer and generate an offer QR code. Present the valid offer QR code to the cashier and redeem the offer. Please note, offers vary by location. Visit Mastercard Travel Pass website for information on accessing lounges, offer locations, a full list of Terms and Conditions and Frequently Asked Questions. Please review Mastercard Travel Pass Terms & Conditions before you make your first lounge visit.
  7. You must be a member of the Qantas Frequent Flyer program to earn and redeem Qantas Points. A joining fee usually applies. However, complimentary membership is available from Bankwest if you join at qantas.com/joinffbankwest.

    Membership and the earning and redemption of points are subject to theĀ terms and conditions of the Qantas Frequent Flyer program (PDF). Qantas Points are earned in accordance with and subject to theĀ Bankwest Qantas Rewards Terms and Conditions (PDF).Ā Qantas Points are earned on eligible purchases only.Ā Most purchases are eligible purchases except some things such as balance transfers, bank fees, gambling, government charges and anything else listed in section 5 of theĀ Bankwest Qantas Rewards Terms and Conditions (PDF). Exclusions and limitations apply. Points earned and redemption values subject to change.

    Qantas Points (outside any bonus points) won't be transferred to your Qantas Frequent Flyer Account until:
    • You have spent an initial $1,500 on eligible purchases using your card; and
    • Your account has been opened for at least 2 months.
  8. Earn up to 50,000 Bonus Qantas Points promotion only available to eligible new Bankwest Qantas Platinum Mastercard customers who have not opened a Bankwest Qantas Mastercard in the last 24 months ($3,000 minimum credit limit) and apply from 17 June 2021 until the promotion ends and are approved. To be eligible for 50,000 Bonus Points you must meet the minimum spend requirements within three months of account opening. 40,000 Bonus Qantas Points are transferred to your account within five months of account opening and are subject to change. To be eligible for 10,000 Bonus Points you must keep your card account open for 15 months. 10,000 Bonus Qantas Points are transferred to your account within 17 months of account opening and subject to change. Your card must remain open for points to be transferred. You are not eligible for this promotion if you upgrade or vary your existing Bankwest credit card to a Bankwest Qantas Platinum Mastercard.

    Most purchases are eligible purchases except some things such as balance transfers, bank fees, gambling, government charges and anything else listed in Section 6 of our Bankwest Qantas Rewards Terms and Conditions.

There is a limit of one Bankwest Breeze Mastercard, one Bankwest Zero Mastercard, one Bankwest Qantas Mastercard and one Bankwest More Mastercard per customer.

Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.