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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. 5

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. 5

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.

Bankwest More Platinum Mastercard®

Get even more rewards for your everyday spending, plus complimentary overseas 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. 5

Bankwest More World Mastercard™

Get a world of rewards when you spend, plus 10 complimentary airport lounge visits each calendar year, complimentary travel insurance and unlimited rewards points potential. 5 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.

Bankwest Qantas Platinum Mastercard®

Earn Qantas Points on eligible purchases, plus get complimentary overseas travel insurance and no foreign transaction fees. 5

Bankwest Qantas World Mastercard™

Our highest points-earning potential. Plus, get complimentary overseas travel insurance and no foreign transaction fees. 5

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 Platinum Mastercard®
Bankwest Qantas World Mastercard™

Introductory offers

Introductory purchase rate
0% p.a. for 15 months 1
0% p.a. for 15 months 1
Intro balance transfer rate
0% p.a. for 15 months (with no balance transfer fee for a limited time – 2% balance transfer fee usually applies) 1
0% p.a. for 15 months (with no balance transfer fee for a limited time – 2% balance transfer fee usually applies) 1
0% p.a. for 26 months (2% balance transfer fee applies) 1
0% p.a. for 26 months (2% balance transfer fee applies) 1
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

Bonus points
Earn up to 50,000 Bonus Qantas Points. Spend $3000 on eligible purchases in the first 90 days and keep your card open for over 15 months. Limited time. New customers only and you must not have opened a Bankwest Qantas Mastercard in the last 24 months. Other fees and T&Cs apply. 8
None

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
$3,000
$12,000
Interest free days on purchases 2 You qualify for interest free days on purchases if you pay the closing balance owing (excluding any 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.
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
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.
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.
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.
0.75 Qantas Points per $1 on the first $2,500 spent per month, 0.3 points thereafter  7
1 Qantas Point per $1 on the first $5,000 spent per month, 0.5 points thereafter 7
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.
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.
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.
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.

Rates and fees

Ongoing purchase rate (after any introductory period) ?
9.90% p.a. 1
9.90% p.a. 1
14.99% p.a. 1
14.99% p.a. 1
19.99% p.a.
19.99% p.a.
19.99% p.a.
20.49% p.a.
20.49% p.a.
Ongoing balance transfer rate (after any introductory period) ? The ongoing balance transfer rate is the rate that applies after the introductory period finishes. 
9.90% p.a. 1
9.90% p.a. 1
14.99% p.a. 1
14.99% p.a. 1
19.99% p.a.
19.99% p.a.
19.99% 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.
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)
Annual fee
$0 first year, then $49 thereafter
$0 first year, then $69 thereafter
$0
$0
$100
$160
$270
$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%
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.
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.

View terms and conditions for credit cards:

View terms and conditions for credit card reward programs:

View terms and conditions for complimentary credit card insurance:

Need help choosing or managing your credit card?

We’ve got a variety of guides and handy info that gives you everything you need to know about using your credit card. Find out more.

  1. Bankwest Zero Mastercard introductory offer:

    Introductory balance transfer rate offer is only available to new Bankwest Zero Mastercard customers who apply from 29 April 2021 until the promotion ends, and are approved. Excludes product transfers from existing Bankwest credit cards.

    Introductory balance transfer rate:

    • A 2% balance transfer fee is payable on all transactions to which that balance transfer rate applies
    • Introductory balance transfer rate excludes cash advances
    • 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 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.

    View balance transfer terms and conditions.

    Breeze Mastercard introductory offer:

    First year annual fee waiver, introductory balance transfer rate offer and introductory purchase rate offer is only available to new Bankwest Breeze Mastercard customers who apply from 29 April 2021 until the promotion ends, and are approved. Excludes product transfers from existing Bankwest credit cards.

    First year annual fee waiver:

    Annual fee is waived in the first year and will be payable in subsequent years in advance on each anniversary date of card opening.

    Introductory balance transfer rate offer and introductory purchase rate offer:

    • 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 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.



  2. You qualify for interest free days on purchases if you pay the closing balance owing (excluding any 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.

  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. Limitations, exclusions and eligibility criteria apply. See the Credit Card Insurance Product Disclosure Statement and Information Booklet (PDF) for details.

    Complimentary overseas travel insurance provides base cover only. 

    Coronavirus (COVID-19):​
    Please note that this event is excluded from cover for all destinations. For more information please see here.

  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 Bankwest More World Mastercard 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. 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 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.
  8. Earn up to 50,000 Bonus Qantas Points promotion only 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 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 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 6 of our Bankwest Qantas Rewards Terms and Conditions.

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.