Low Rate MasterCard®

An alternative working capital solution

Manage your expenses and cash flow with our low ongoing purchase rate.


Low ongoing purchase rate and fees

Reduce cost with our low ongoing purchase rate and low fees


Up to 55 days interest free on purchases

Enjoy no interest on purchases for up to 55 days#


Card personalisation

Personalise your cards with your business name at no extra cost


Up to 3 additional cardholders for free

Manage expenses effectively by identifying and separating transactions per cardholder/employee


Supporting your business

  • Manage cash flow with the ability to separate your business expenses from your personal expenses
  • Consolidate each cardholder’s spend into one account and one payment
  • Credit limit between $2,000 and $50,000 (for limits over $25,000 please call 13 7000). Min. limit applies to new cards only.
  • Convenient and secure chip technology with MasterCard contactless

Additional extras

  • Ease of access with one card for credit, savings and cheque
  • Balance transfer from non-Bankwest credit or store cards


Annual rate Interest rate
Purchases (ongoing rate) 11.99% p.a.
Balance Transfers** 11.99% p.a.
Cash Advances 11.99% p.a.


Description Fee
Annual fee $99

Other applicable fees and charges are available here.

# Interest free days applies to credit purchases only, when the closing account balance of that statement of account, including the full closing account of the immediately preceding statement of account has been paid in full by the due date. Excludes cash advances. Interest on cash advance transactions is calculated from the date the transaction is debited to your card account.

** Balance transfers exclude cash advances and applies from the date the card is opened, regardless of when any balance transfer or purchase is processed by us. Balance transfer rate applies to non-Bankwest credit cards only. Balance transfer requests will only be processed up to 95% of the approved credit limit.

The primary cardholder takes personal liability for all transactions on the account.

MasterCard is a registered trademark, and the circles design is a trademark of MasterCard International Incorporated.

Android Pay™ with Bankwest

Download the Android Pay App to start paying with your Android device

Download the Android Pay App to start paying with your Android device.

© 2017 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.