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Bankwest Breeze Classic Mastercard®

Our lowest ongoing rate for purchases and balance transfers makes this a great choice for making that big purchase or consolidating debt.

Bankwest Breeze Platinum Mastercard®

Get our lowest ongoing rates, complimentary overseas travel insurance and no foreign transaction fees.

Bankwest Zero Classic Mastercard®

No annual fee, ever.

Bankwest Zero Platinum Mastercard®

No annual or foreign transaction fees, plus complimentary overseas travel insurance – this may be your ultimate travel companion.

Bankwest More Classic Mastercard®

Get rewarded for your everyday spending. 3 Annual bonus points are for new More Mastercard customers only. For all terms and conditions of More Rewards Points, Annual Bonus Points and Introductory Bonus Points refer to the “Things you should know” section at the bottom of this page. Close

Bankwest More Platinum Mastercard®

Get even more rewards for your everyday spending, plus complimentary travel insurance and no foreign transaction fees. 3 Annual bonus points are for new More Mastercard customers only. For all terms and conditions of More Rewards Points, Annual Bonus Points and Introductory Bonus Points refer to the “Things you should know” section at the bottom of this page. Close

Bankwest More World Mastercard®

Get a world of rewards when you spend, plus complimentary lounge access, unlimited rewards points potential and all of our platinum benefits. 3 Annual bonus points are for new More Mastercard customers only. For all terms and conditions of More Rewards Points, Annual Bonus Points and Introductory Bonus Points refer to the “Things you should know” section at the bottom of this page. Close

Bankwest Qantas Classic Mastercard®

Earn Qantas Points on your eligible purchases. 8

Bankwest Qantas Platinum Mastercard®

Earn Qantas Points on eligible purchases, plus get complimentary overseas travel insurance and no foreign transaction fees. 8

Bankwest Qantas World Mastercard®

Get your Qantas Points balance off the ground with unlimited points potential and more points earned per eligible purchase. 8

Product Name
Bankwest Breeze Classic Mastercard®
Bankwest Breeze Platinum Mastercard®
Bankwest Zero Classic Mastercard®
Bankwest Zero Platinum Mastercard®
Bankwest More Classic Mastercard®
Bankwest More Platinum Mastercard®
Bankwest More World Mastercard®
Bankwest Qantas Classic Mastercard®
Bankwest Qantas Platinum Mastercard®
Bankwest Qantas World Mastercard®

Introductory offers

Intro purchase rate
0% p.a. for 13 months on purchases 7
0% p.a. for 13 months on purchases 7
Intro balance transfer rate 1
0% p.a. for 13 months 7
0% p.a. for 13 months 7
2.99% p.a. intro balance transfer rate for first 9 months
2.99% p.a. intro balance transfer rate for first 9 months
0% p.a. Intro balance transfer rate for first 6 months (1% balance transfer fee applies)
0% p.a. Intro balance transfer rate for first 6 months (1% balance transfer fee applies)
0% p.a. Intro balance transfer rate for first 6 months (1% balance transfer fee applies)
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

Features

Minimum credit limit
$1,000
$6,000
$1,000
$6,000
$1,000 (to earn annual bonus points you must have a minimum credit limit of $3,000)
$6,000
$12,000
$1,000
$6,000
$12,000
Interest free days on purchases 2 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 (PDF) further outlines how this interest-free period is calculated. Close
Up to 55 days
Up to 55 days
Up to 55
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 eligible purchases
1.5 More Rewards points per $1 spent on eligible purchases 3 Annual bonus points are for new More Mastercard customers only. For all terms and conditions of More Rewards Points, Annual Bonus Points and Introductory Bonus Points refer to the “Things you should know” section at the bottom of this page. Close
2 More Rewards points per $1 spent on eligible purchases 3 Annual bonus points are for new More Mastercard customers only. For all terms and conditions of More Rewards Points, Annual Bonus Points and Introductory Bonus Points refer to the “Things you should know” section at the bottom of this page. Close
2.5 More Rewards points per $1 spent on eligible purchases 3 Annual bonus points are for new More Mastercard customers only. For all terms and conditions of More Rewards Points, Annual Bonus Points and Introductory Bonus Points refer to the “Things you should know” section at the bottom of this page. Close
0.5 Qantas Points per $1 spent on eligible purchases 8
0.5 Qantas Points per $1 spent on eligible purchases 8
0.66 Qantas Points per $1 spent on eligible purchases 8
Annual bonus points (min. spend applies) 3 Annual bonus points are for new More Mastercard customers only. For all terms and conditions of More Rewards Points, Annual Bonus Points and Introductory Bonus Points refer to the “Things you should know” section at the bottom of this page. Close
19,500 3 Annual bonus points are for new More Mastercard customers only. For all terms and conditions of More Rewards Points, Annual Bonus Points and Introductory Bonus Points refer to the “Things you should know” section at the bottom of this page. Close
75,000 3 Annual bonus points are for new More Mastercard customers only. For all terms and conditions of More Rewards Points, Annual Bonus Points and Introductory Bonus Points refer to the “Things you should know” section at the bottom of this page. Close
115,000 3 Annual bonus points are for new More Mastercard customers only. For all terms and conditions of More Rewards Points, Annual Bonus Points and Introductory Bonus Points refer to the “Things you should know” section at the bottom of this page. Close

Rates and fees

Ongoing purchase rate (after any introductory period)
12.99% p.a.
12.99% p.a.
17.99% p.a.
17.99% p.a.
19.99% p.a.
19.99% p.a.
19.99% p.a.
20.49% p.a.
20.49% p.a.
20.49% p.a.
Ongoing balance transfer rate (after any introductory period)
12.99% p.a.
12.99% p.a.
17.99% p.a.
17.99% p.a.
19.99% p.a.
19.99% p.a.
19.99% p.a.
20.49% p.a.
20.49% p.a.
20.49% p.a.
Cash advance rate (for online transfers and using your credit card to withdraw cash)
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.
Cash advance fee (for online transfers and using your credit card to withdraw cash)
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)
Annual fee
$79
$99
$0
$0
$100
$160
$270
$100
$160
$270
Foreign transaction fee 4
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%

Extra benefits

Complimentary overseas travel insurance 5
Complimentary Extended Warranty, Price Guarantee and Purchase Security Insurance 5
Complimentary airport lounge access 6 Please refer to the LoungeKey Terms and Conditions of Use before you make your first lounge visit. You will find these Terms and Conditions of Use at www.loungekey.com/bankwest. For more information refer to the 'Things you should know' section at the bottom of this page. Close

Rates are subject to change. Other fees and charges may apply.
A full list of fees will be outlined in your credit card contract. See the Credit Card Key Facts Sheet (PDF) and ‘Credit card terms and conditions' section of this page for more information.
Note: Your eligibility for a Classic, Platinum or World Mastercard credit card depends on your approved limit.

Need help choosing or managing your credit card?

Speak with someone from the team today.

Things you should know

1. 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.

View balance transfer terms and conditions.

2. 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 (PDF) further outlines how this interest-free period is calculated.

3. More Rewards Points:
More Rewards Points are earned in accordance with and subject to the Bankwest More Rewards Terms and Conditions (PDF). More Rewards 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 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.

4. 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 or World customers. Other fees and charges may apply, including when using overseas ATMs.

5. Complimentary Insurance: Limitations, exclusions and eligibility criteria apply. See the Credit Card Insurances Product Disclosure Statement and Information 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.

6. Please refer to the LoungeKey Terms and Conditions of Use before you make your first lounge visit. You will find these Terms and Conditions of Use at www.loungekey.com/bankwest. Terms and Conditions of Use may be subject to change at any time without prior notice. Lounge information, including the list of lounges you are eligible to visit, and more detailed information about these lounges, including location, opening times, facilities available and specific conditions applicable to each lounge is available from www.loungekey.com/bankwest, the LoungeKey app and LoungeKey customer service center. You must have your eligible Mastercard payment card with you and identify yourself as a “LoungeKey customer” in order to be given access to the lounges. Please note that you will be charged for any lounge visits which are not part of the LoungeKey program.

7. 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.

View balance transfer terms and conditions.

8. 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 (PDF). 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, 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.

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

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.