Compare credit cards

I'll use the card mainly for and want to compare ? Interest rate on purchases made using your credit card. Close 3 ? The ongoing balance transfer rate is the rate that applies after the introductory period finishes.  Close ? Applies to online transfers and using your credit card to withdraw cash. Close 5 Foreign transactions are transactions occurring outside Australia whether in foreign currency or Australian dollars. No foreign transaction fees for Platinum or World customers for online and overseas purchases. Other fees and charges may apply, including when using overseas ATMs.
Close
? Applies to online transfers and using your credit card to withdraw cash. Close 6 Interest-free days on purchases apply when the total amount owing on your current statement is paid in full by the due date, and you have also paid off your previous month’s balance in full by its due date. Section 24 of our Credit Cards Conditions of Use further outlines how this interest-free period is calculated. Close 7 Limitations, exclusions and eligibility criteria apply. See the Complimentary Credit Card Insurance booklet for details. Close

Range of credit cards Bankwest Breeze Mastercard®
A credit card with our low ongoing purchase rate
Bankwest Zero Mastercard
A credit card with no annual fee
Bankwest Qantas Mastercard
Earn Qantas Points on your everyday spending1
Bankwest More Mastercard
Earn and redeem More Rewards points2

Bankwest Breeze Mastercard®

Bankwest Breeze Mastercard®

Bankwest Zero Mastercard

Bankwest Zero Mastercard

Bankwest Qantas Mastercard

Bankwest Qantas Mastercard

Bankwest Qantas Mastercard

Bankwest More Mastercard

Bankwest More Mastercard

Bankwest More Mastercard

Credit card types

Classic

Platinum

Classic

Platinum

Classic

Platinum

World

Classic

Platinum

World

Select two or more to compare
Rates and fees
Purchase rates ? Interest rate on purchases made using your credit card. Close

12.99% p.a.

12.99% p.a.

17.99% p.a.

17.99% p.a.

20.49% p.a.

20.49% p.a.

20.49% p.a.

19.99% p.a.

19.99% p.a.

19.99% p.a.

Annual fees

$59

$99

$0

$0

$100

$160

$270

$70

$130

$240

Intro balance transfer rates 3

0% p.a. Intro balance transfer rate for 21 months (2% balance transfer fee applies) 4

0% p.a. Intro balance transfer rate for 21 months (2% balance transfer fee applies) 4

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

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

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

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

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

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

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

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

Ongoing balance transfer rates ? The ongoing balance transfer rate is the rate that applies after the introductory period finishes.  Close

12.99% p.a.

12.99% p.a.

17.99% p.a.

17.99% p.a.

20.49% p.a.

20.49% p.a.

20.49% p.a.

19.99% p.a.

19.99% p.a.

19.99% p.a.

Minimum credit limits

$1,000

$6,000

$1,000

$6,000

$1,000

$6,000

$12,000

$1,000

$6,000

$12,000

Cash advance rates ? Applies to online transfers and using your credit card to withdraw cash. Close

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.

21.99% p.a.

Foreign transaction fees 5 Foreign transactions are transactions occurring outside Australia whether in foreign currency or Australian dollars. No foreign transaction fees for Platinum or World customers for online and overseas purchases. Other fees and charges may apply, including when using overseas ATMs.
Close

2.95% of the transaction amount

0%

2.95% of the transaction amount

0%

2.95% of the transaction amount

0%

0%

2.95% of the transaction amount

0%

0%

Cash advance fees ? Applies to online transfers and using your credit card to withdraw cash. Close

2% of transaction amount or $4 (whichever is greater)

2% of transaction amount or $4 (whichever is greater)

2% of transaction amount or $4 (whichever is greater)

2% of transaction amount or $4 (whichever is greater)

2% of transaction amount or $4 (whichever is greater)

2% of transaction amount or $4 (whichever is greater)

2% of transaction amount or $4 (whichever is greater)

2% of transaction amount or $4 (whichever is greater)

2% of transaction amount or $4 (whichever is greater)

2% of transaction amount or $4 (whichever is greater)

Features
Interest-free days on purchases 6 Interest-free days on purchases apply when the total amount owing on your current statement is paid in full by the due date, and you have also paid off your previous month’s balance in full by its due date. Section 24 of our Credit Cards Conditions of Use further outlines how this interest-free period is calculated. Close

Up to 55 days

Up to 55 days

Up to 55 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

Up to 44 days

Points earned on everyday spending

Points can't be earned with this card

Points can't be earned with this card

Points can't be earned with this card

Points can't be earned with this card

0.5 Qantas Points per $1 spent on eligible purchases ? 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. Close

0.5 Qantas Points per $1 spent on eligible purchases ? 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. Close

0.66 Qantas Point per $1 spent on eligible purchases ? 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. Close

1.5 More Rewards points per $1 spent on eligible purchases ? 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 More Rewards terms and conditions. Close

2 More Rewards points per $1 spent on eligible purchases ? 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 More Rewards terms and conditions. Close

2.5 More Rewards points per $1 spent on eligible purchases ? 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 More Rewards terms and conditions. Close

Availability as part of Complete Home Loan Package

No

No

No

No

Yes

Yes

No

Yes

Yes

No

Complimentary international credit card travel insurance 7 Limitations, exclusions and eligibility criteria apply. See the Complimentary Credit Card Insurance booklet for details. Close

Not available

Available

Not available

Available

Not available

Available

Available

Not available

Available

Available

Bankwest Breeze Mastercard®
A credit card with our low ongoing purchase rate
Classic 12.99% p.a. $59
0% p.a. Intro balance transfer rate for 21 months (2% balance transfer fee applies) 4 12.99% p.a. $1,000 21.99% p.a. 2.95% of the transaction amount 2% of transaction amount or $4 (whichever is greater)
Up to 55 days Points can't be earned with this card
No Not available
Platinum 12.99% p.a. $99 0% p.a. Intro balance transfer rate for 21 months (2% balance transfer fee applies) 4 12.99% p.a. $6,000
21.99% p.a. 0% 2% of transaction amount or $4 (whichever is greater)
Up to 55 days Points can't be earned with this card
No Available
Bankwest Zero Mastercard
A credit card with no annual fee
Classic 17.99% p.a. $0 2.99% p.a. intro balance transfer rate for first 9 months
17.99% p.a. $1,000 21.99% p.a. 2.95% of the transaction amount 2% of transaction amount or $4 (whichever is greater)
Up to 55 days  Points can't be earned with this card
No Not available
Platinum 17.99% p.a. $0 2.99% p.a. intro balance transfer rate for first 9 months
17.99% p.a.
$6,000 21.99% p.a. 0% 2% of transaction amount or $4 (whichever is greater)
Up to 55 days  Points can't be earned with this card
No Available
Bankwest Qantas Mastercard
Earn Qantas Points on your everyday spending 1
Classic 20.49% p.a. $100 2.99% p.a. intro balance transfer rate for first 9 months
20.49% p.a.
$1,000 21.99% p.a. 2.95% of the transaction amount 2% of transaction amount or $4 (whichever is greater)
Up to 44 days 0.5 Qantas Points per $1 spent on eligible purchases ? 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. Close Yes Not available
Platinum 20.49% p.a. $160 2.99% p.a. intro balance transfer rate for first 9 months
20.49% p.a. $6,000
21.99% p.a. 0% 2% of transaction amount or $4 (whichever is greater)
Up to 44 days 0.5 Qantas Points per $1 spent on eligible purchases ? 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. Close Yes Available
World 20.49% p.a. $270 2.99% p.a. intro balance transfer rate for first 9 months
20.49% p.a. $12,000 21.99% p.a. 0% 2% of transaction amount or $4 (whichever is greater)
Up to 44 days 0.66 Qantas Point per $1 spent on eligible purchases ? 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. Close No Available
Bankwest More Mastercard
Earn and redeem More Rewards points 2
Classic 19.99% p.a. $70 2.99% p.a. Intro balance transfer rate for first 9 months 19.99% p.a. $1,000 21.99% p.a. 2.95% of the transaction amount 2% of transaction amount or $4 (whichever is greater)
Up to 44 days 1.5 More Rewards points per $1 spent on eligible purchases ? 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 More Rewards terms and conditions. Close Yes Not available
Platinum 19.99% p.a. $130 2.99% p.a. Intro balance transfer rate for first 9 months 19.99% p.a. $6,000 21.99% p.a. 0% 2% of transaction amount or $4 (whichever is greater)
Up to 44 days 2 More Rewards points per $1 spent on eligible purchases ? 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 More Rewards terms and conditions. Close Yes Available
World 19.99% p.a. $240 2.99% p.a. Intro balance transfer rate for first 9 months 19.99% p.a. $12,000 21.99% p.a. 0% 2% of transaction amount or $4 (whichever is greater)
Up to 44 days 2.5 More Rewards points per $1 spent on eligible purchases ? 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 More Rewards terms and conditions. Close No Available

Rates are subject to change. Other fees and charges may apply. A full list of fees will be outlined in your credit card contract.
Note: Your eligibility for a Classic, Platinum or World credit card depends on your approved limit.
 

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Need help choosing or managing your credit card?

Speak with someone from the team today.

Things you should know

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 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. Qantas Points are earned on eligible purchases only, see Bankwest Qantas Rewards Terms and Conditions. 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.

2. More Rewards points

  • Points are earned in accordance with and subject to the Bankwest More Rewards Terms and Conditions.
  • The total More Rewards points (including any bonus points) that can be earned in each year are: 150,000 on the Classic and 400,000 on the Platinum
  • 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. Exclusions, limitations and points caps apply
  • Points earned and redemption values subject to change.

3. 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 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.

4. Introductory rate on balance transfers:

  • Introductory rate on balance transfers is available to new Bankwest Breeze Mastercard customers who apply from 12 December 2016 until the promotion ends, and are approved
  • A 2% Balance Transfer fee is payable on all transactions to which that balance transfer rate 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 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

5. Foreign transactions are transactions occurring outside Australia whether in foreign currency or Australian dollars. No foreign transaction fees for Platinum and World customers for online and overseas purchases. Other fees and charges may apply, including when using overseas ATMs.

6. Interest-free days on purchases apply when the total amount owing on your current statement is paid in full by the due date, and you have also paid off your previous month’s balance in full by its due date. Section 24 of our Credit Cards Conditions of Use further outlines how this interest-free period is calculated.

7. Limitations, exclusions and eligibility criteria apply. See the Complimentary Credit Card Insurance booklet for details.

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

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