Credit Cards

What are you looking for in a credit card?

how can we help?

balance transfer

Looking for a low balance transfer rate?

Transfer your existing non-Bankwest credit card balance to a new Bankwest credit card and benefit from our low balance transfer rates.

low rate

Looking for a low interest rate?

The Breeze MasterCard might be for you

You will enjoy a great low purchase rate.

no annual fee

Looking for no annual fee?


Looking for a credit card where you'll pay no annual fee? You've found it. The Bankwest Zero MasterCard offers you exactly this.

cards with rewards

Be rewarded with Qantas Points or Reward Points

More Platinum cardholders earn up to 2 points per $1 spent on eligible purchases

calculate your savings
Cash back
No annual fee
Qantas points
Reward points
what do you get?

Enjoy up to $300 cash back in the first 3 months, with 5% cash back** on eligible purchases. New customers only. Monthly cap, min monthly spend and T&Cs apply.

zero annual fee!

Earn 1 Qantas Point per $2 spent on eligible purchases

Earn Reward Points on your everyday eligible purchases

introductory balance transfer rate

2.99% p.a. for 9 months

2.99% p.a. for 9 months

2.99% p.a. for 9 months

2.99% p.a. for 9 months

annual fee

Bankwest Breeze: $59
Bankwest Breeze Gold: $89
Bankwest Breeze Platinum: $99

Zero: $0
Zero Gold: $0
Zero Platinum: $0

Qantas: $100
Qantas Gold: $150
Qantas Platinum: $160

More: $70
More Gold: $120
More Platinum: $130

ongoing balance transfer rate and purchase rate
12.99% p.a.
17.99% p.a.
20.49% p.a.
19.99% p.a.
interest free days on purchases#

up to 55 days

up to 55 days
up to 44 days
up to 44 days
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view more features & rates

# A purchase will only be interest free if you pay in full by their due dates the closing balance (including amounts for any cash advances and balance transfers) of both the account statement which lists the purchase and preceding account statement.

Bankwest More Rewards and Bankwest Qantas Rewards are separate programs. Bankwest More Rewards and Bankwest Qantas Rewards exclusions, limitations and points caps apply. Qantas Points and Bankwest More Rewards are earned on eligible purchases only. Points earned and redemption values subject to change.

1 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 Membership and the earning and redemption of points are subject to the terms and conditions of the Qantas Frequent Flyer program. Qantas Points are earned in accordance with and subject to the Bankwest Qantas Rewards Terms and Conditions. Qantas Points are earned on eligible purchases only, see Bankwest Qantas Rewards Terms and Conditions (PDF). Exclusions, limitations and points caps apply. The total Qantas Points (including any bonus points) that can be earned in each year are: 50,000 Qantas Points if your Card is a Bankwest Qantas Classic MasterCard; 66,667 Qantas Points if your Card is a Bankwest Qantas Gold MasterCard and 200,000 Qantas Points if your Card is a Bankwest Qantas Platinum MasterCard. Qantas Points, including any bonus points on your Qantas Gold or Qantas Classic MasterCard, will only be transferred to your Qantas Frequent Flyer Account at the end of the 2 month period from account opening and once you have spent at least $1,500 on eligible purchases. 

More Reward Points are earned in accordance with and subject to the Bankwest More Rewards Terms and Conditions. More Reward Points, including any bonus points, will only be credited to your account at the end of the 2 month period from account opening. You will only be able to redeem points, including any bonus points, once you have spent at least $1,500 on eligible purchases. One Bankwest More MasterCard account per customer.

** Cashback is subject to terms and conditions: (1) this promotion is available for a limited time and only to new Bankwest Breeze MasterCard customers who apply for a Bankwest Breeze MasterCard from 18 April 2016 until the promotion ends, are approved and meet minimum spend requirements. You must spend at least $500 per month on eligible purchases to qualify for cashback each month. (2) Subject to these terms, your account will be credited with 5% of the value of each eligible purchase made within each month, capped at $100 per month for the first 3 months from the account opening date only. (3) Eligible purchases excludes balance transfers, cash advances, fees, charges (including government fees and charges), interest charges, transactions which are disputed or fraudulent, payments and purchases which are refunded or reimbursed, purchases made for gaming or gambling transactions and business-related purchases (as determined by Bankwest). (4) The cashback will be applied to your card account monthly on the anniversary of the account opening date and will appear on the first 3 to 4 consecutive billing statements. (5) We reserve the right to reduce your cashback balance by the relevant amount if you receive a refund for your purchase or for cashback provided on ineligible purchases. (6) Amounts credited to your account under this offer do not form part of the minimum monthly payment. (7) To remain eligible your card account must be in good order. (8) You will become ineligible for this promotion if you transfer from your Bankwest Breeze MasterCard to another Bankwest credit card product. One Bankwest Breeze MasterCard per customer.

Introductory rate on balance transfers applies from the date the card is opened, regardless of when any balance transfer is processed by us. After the introductory period, the interest rate on any outstanding transferred balance will be the current ongoing interest rate for purchases and balance transfers. Minimum balance transfer amount $500. A request will only be processed up to 95% of your approved credit limit. Only non-Bankwest-branded credit cards can be balance transferred to Bankwest MasterCard credit cards.

These promotions are stand-alone promotions only and cannot be used in conjunction with any other promotion on the same product currently available from Bankwest.

MasterCard and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated.

Bankwest SWIFT code: BKWAAU6P | Find your BSB by logging into Online Banking.

© 2016 Copyright Bankwest, a division of Commonwealth Bank of Australia (Bankwest) ABN 48 123 123 124 AFSL / Australian credit licence 234945. All rights reserved. To use this Website, you are required to read the Financial Services Guide (which you agree to be provided by accessing the link). Bankwest is a division of Commonwealth Bank of Australia, which is the product issuer unless otherwise stated. Rates stated are subject to change without notice. Any advice given does not take into account your objectives, financial situation or needs so please consider whether it is appropriate for you. For deposit and payment products, please ensure you read and consider the Product Disclosure Statement (which you agree to be provided through this link) before making any decision about the product(s). For lending products, lending criteria and fees and charges apply. Terms and conditions apply and are available on request.