Credit cards

Whether you want to travel, make international purchases or earn rewards, we can help you get the most out of your credit card. Plus, you can now link your eligible credit card to a Bankwest Halo payment ring.

Purchase rate offer

0% p.a. for 13 months on purchases with our Breeze Mastercard®

Plus, you can transfer any existing balances from your non-Bankwest credit cards and pay 0% p.a. interest for 13 months on the balance transferred.

New customers only. 2% Balance Transfer Fee applies.

Our credit cards

I'll use the card mainly for

Rates and fees are subject to change.

Need help choosing or managing your credit card?

Speak with someone from the team today.

Things you should know

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

Please note that Bankwest Business Credit Cards are currently not eligible for the Bankwest Halo payment ring.

The Bankwest Halo payment ring is only available to Australian citizens and Permanent or Temporary Residents over 16 years of age with an Australian residential address. Fees and charges apply.

1. 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 apply for Platinum customers. Other fees and charges may apply, including when using overseas ATMs.
 
2. Promotional introductory purchase and balance transfer rate on the Bankwest Breeze Mastercard:
  • Available to new Bankwest Breeze Mastercard customers who apply from 4 April 2018 until the promotion ends, and are approved
  • A 2% balance transfer fee is payable on all transactions to which that balance transfer rate applies
  • Excludes product transfers from existing Bankwest credit cards
  • Introductory rate excludes cash advances
  • 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 purchase or transferred balance 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
  • A balance transfer 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.

3. Limitations, exclusions and eligibility criteria apply. See the Complimentary Credit Card Insurance booklet (PDF) for details.

From 1 October 2018 we’re changing our insurance provider as well as the Overseas Travel Insurance cover provided to customers 80 years of age and over. Find out more about the changes to credit card insurance.

4. 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 are earned on eligible purchases only. Points earned and redemption values subject to change. The total More Rewards points (including any bonus points) that can be earned in each year are: 150,000 Points if your Card is a Classic Card, and 400,000 Points if your Card is a Platinum Card. More Rewards points (outside any bonus points) will only be credited to your account once you have spent at least $1,500 on eligible purchases and your account has been opened for at least 2 months.

Annual Bonus points:
Annual Bonus points are only available to new customers who apply for a Bankwest More Mastercard on or after 15 May 2017 and meet minimum spend requirements in any Year from Card Account opening. Eligible customers will earn: 19,500 Points if your Card is a Classic Card and you spend a minimum of $24,000 on Eligible Purchases in that Year; 75,000 Points if your Card is a Platinum Card and you spend a minimum of $48,000 on Eligible Purchases in that Year; and 115,000 Points if your Card is a World Card and you spend a minimum of $84,000 on Eligible Purchases in that Year. See Bankwest More Rewards Terms and Conditions (PDF) for more information.

5. What counts as an eligible purchase? Most purchases are eligible purchases except some things such as bank fees, gambling, government charges and anything else listed in Section 5 of our Bankwest Qantas Rewards Terms and Conditions (PDF).

6. Introductory rate on balance transfers:

  • Introductory rate on balance transfers is available to new credit card customers only
  • 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 balance transfer rate as outlined in your credit card schedule
  • Minimum balance transfer amount is $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.

View balance transfer terms and conditions.


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, see Bankwest Qantas Rewards Terms and Conditions (PDF).

Exclusions, limitations and points caps apply. Points earned and redemption values subject to change.

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 and 200,000 Qantas Points if your Card is a Bankwest Qantas Platinum Mastercard. 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. 


World Mastercard Program terms and conditions apply. Visit www.mastercard.com.au/world for details about World Mastercard experiences. Mastercard and the Mastercard brand mark are registered trademarks, and the circles design and Tap & go are trademarks of Mastercard International Incorporated.