Flexible credit options.

# Interest free days

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.

+ Bankwest Zero Mastercard introductory offer

Introductory balance transfer rate offer and introductory purchase rate offer is only available to new Bankwest Zero Mastercard customers who apply from 1 August 2024 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 3% 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 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.

++ Breeze Mastercard introductory offer

Introductory balance transfer rate offer is only available to new Bankwest Breeze Mastercard customers who apply from 1 August 2024 until the promotion ends, and are approved. Excludes product transfers from existing Bankwest credit cards.

Introductory balance transfer rate offer:

• A 3% 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 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
• You are not eligible for this promotion if you upgrade or vary your existing Bankwest credit card to a Bankwest Breeze Mastercard.

View balance transfer terms and conditions.

^ Earning Qantas Points

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 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 (PDF).

Qantas Points are earned on eligible purchases only. 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 the 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.

** Complimentary insurance

Complimentary overseas travel insurance provides base cover only. Limitations, exclusions, and eligibility criteria apply. See the Credit Card Insurances Product Disclosure Statement and Information Booklet (PDF) for details.

Coronavirus (COVID-19)
Cover is available for overseas medical expenses incurred due to COVID-19. No cover is available under any other benefit or if you are travelling on a cruise. Terms and conditions apply. For more information please refer to the Credit Card Insurance PDS (PDF).

~ Earning More Rewards Points

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.

*  Introductory Bankwest Qantas Mastercard offers

Bankwest Qantas Platinum Mastercard bonus points offer:

Earn up to 50,000 bonus Qantas Points promotion only is 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 Qantas 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 Qantas 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 5 of our Bankwest Qantas Rewards Terms and Conditions.

Bankwest Qantas World Mastercard bonus points offer:

Earn up to 100,000 bonus Qantas Points. Offer only available to eligible new Bankwest Qantas World Mastercard customers who:

• Both apply for and open (that is, activate the card we issue for) a new Bankwest Qantas World Mastercard on or after 22 November 2024.
• Have a minimum credit limit of $12,000 for that new Bankwest Qantas World Mastercard.
• Have not opened a Bankwest Qantas Mastercard account in the last 24 months.
• Offer is not available to customers who have switched from an existing Bankwest credit card to a new Bankwest Qantas World Mastercard.

Promotion details:

• Earn 80,000 bonus Qantas Points by spending $35,000 (minimum spend requirement) on eligible purchases within five months from account opening. If the minimum spend requirement is satisfied, your 80,000 bonus Qantas Points are transferred to your account within seven months from account opening.
• Earn 20,000 bonus Qantas Points automatically by keeping your account open for 15 continuous months from account opening. If this requirement is satisfied, your 20,000 bonus Qantas Points are transferred to your account within 17 months of account opening. Your card must remain open for bonus Qantas Points to be transferred.

Our Bankwest Qantas Rewards Terms and Conditions apply.

§ Easy Instalments

Lending criteria, fees and charges apply. Terms and conditions apply and are available on request. Available on eligible purchases between $100 and $10,000. Cash advances, gambling transactions, balance transfers, purchases on a promotional offer and purchases made more than 30 days prior aren’t eligible. You won't be able to apply for an Easy Instalments plan if you don't meet our eligibility criteria (e.g. if you've exceeded your limit or if you're in default). When you apply for an Easy Instalments plan, you are requesting an amendment to your allocation of payments in accordance with clause 6. of the Easy Instalments Terms and Conditions. To apply payments in this order may mean that other balances that attract a higher interest rate may be repaid later which may result in you paying higher interest charges.

¶ Complete Home Loan Package

No credit card annual fee applies when the card is taken out as an eligible card with the Complete Home Loan Package. Package consists of an eligible home loan, one optional eligible credit card per customer and up to nine optional Offset Transaction Accounts per loan. The Complete Home Loan Package is closed when all home loans included in the package are closed. Under the package, only one optional Bankwest Qantas Mastercard, Bankwest More Mastercard or Breeze Mastercard account is allowed per customer. Minimum credit limit is $3,000 for the Bankwest Qantas Platinum Mastercard, $1,000 for the Bankwest More Classic Mastercard and the Breeze Classic Mastercard, and $6,000 for the Bankwest More Platinum Mastercard and Breeze Platinum Mastercard, and $12,000 for the Bankwest More World Mastercard and Bankwest Qantas World Mastercard.