Flexible credit card options
0% p.a. for 6 months on purchases and balance transfers.
After intro period, ongoing purchase rate and balance transfer rate of 18.99% p.a. applies. For new Bankwest Zero Mastercard customers only, for a limited time. 3% balance transfer fee, plus other fees and charges, T&Cs apply.‡
0% p.a. for 6 months on purchases and balance transfers.
After intro period, ongoing purchase rate and balance transfer rate of 18.99% p.a. applies. For new Bankwest Zero Mastercard customers only, for a limited time. 3% balance transfer fee, plus other fees and charges, T&Cs apply.‡
- No annual fee
- 18.99% p.a. ongoing purchase rate
- Up to 55 days interest free#
Breeze Mastercard
Low rate credit card
For our lowest ongoing rate.
Available in Classic or Platinum.
0% p.a. for 24 months on balance transfers.
After the intro period, an ongoing balance transfer rate of 12.99% p.a. applies. For new Breeze Mastercard customers only, for a limited time. 3% balance transfer fee, plus other fees and charges, T&Cs apply.§
- Our lowest ongoing purchase rate
- 12.99% p.a. ongoing purchase rate
- Up to 55 days interest free#
Bankwest Qantas Mastercard
Qantas Frequent Flyer credit card
For earning Qantas Points, even when you’re not flying.^
Available in Platinum or World.
Earn up to 100,000 bonus Qantas Points.
For a limited time with a new Qantas World Mastercard, spend $35k on eligible purchases in the first 5 months and keep your card open for 15 months.*
- Complimentary travel insurance**
- 19.99% p.a. ongoing purchase rate
- Up to 44 days interest free#
More Mastercard
Rewards credit card
Spend and earn More Rewards Points with low interest.
Available in Classic, Platinum or World.
Earn up to 50,000 bonus More Rewards Points.
For a limited time with a new More Platinum Mastercard, spend $5,000 on eligible purchases in the first 90 days and keep your card open for 15 months. Other fees and charges, T&Cs apply.§§
- Earn between 1.5 to 2.5 points per $1 spent~
- 14.99% p.a. ongoing purchase rate
- Up to 44 days interest free#
50,000 bonus More Rewards Points
What you get with a Bankwest credit card
Smart money tools in app
Fast-acting security
A safe and smart way to spend with virtual cards
Easy Instalments
Digital wallet
No credit card annual fee with a Complete Home Loan Package
Add an eligible Breeze Mastercard, Bankwest More Mastercard or Bankwest Qantas Mastercard to your Complete Home Loan Package and pay no credit card annual fee. Other fees and charges, terms and conditions may apply.###
Common questions
When you apply and are approved for a credit card, we’ll set up a credit limit for you – your credit limit is the most you can spend on your card before you need to start paying it off.
You can decrease your credit limit in the app or through online banking, and apply to increase your credit limit in the app. If you're applying for an increase, we'll need a few details about your financial situation and your application will be subject to credit assessment. Learn more about changing your credit limit.
Yes – this is known as a balance transfer. You can transfer any outstanding balance from another bank’s credit card to a Bankwest credit card.
Due to system, process, or any other limitations, we’re unable to process balance transfers from some issuers or billers. If we’re unable to accept the issuer or biller you’ve provided, we’ll let you know that we cannot proceed with your balance transfer request.
If you have a credit card and you want to add someone else as an additional cardholder, you and the person will both need to fill out and sign the Additional Cardholder(s) Request Form (PDF).
Once you’ve finished, you can send this form to us at:
Cards Services
Reply Paid 8411
Perth BC WA 6849
If the person you want to add as an additional cardholder isn’t already banking with us, we’ll need them to be identified at an Australia Post outlet. See a handy list of ID documents we’ll accept.
Things to consider
- There is a limit of one Bankwest Breeze Mastercard, one Bankwest Zero Mastercard, one Bankwest Qantas Mastercard, and one Bankwest More Mastercard per customer.
- Lending and eligibility criteria, fees and charges apply.
- Apple, the Apple logo and Apple Pay are trademarks of Apple Inc. App Store is a service mark of Apple Inc. Bankwest Apple Pay Terms of Use apply.
- Android, Google Play and the Google Play logo are trademarks of Google LLC. Bankwest Google Pay Terms of Use apply. Google Pay and Google Wallet are trademarks of Google LLC.
- Bankwest Samsung Wallet Terms of Use apply. Samsung and Samsung Wallet are trademarks of Samsung Electronics Co Ltd.
- Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.
# 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.
§ 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.
^ 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.
Qantas Points (outside any bonus points) won't be transferred to the nominated Qantas Frequent Flyer Account until:
- You have spent an initial $1,500 on eligible purchases using your card; and
- Your account has been open for at least 60 days.
* Introductory Bankwest Qantas Mastercard offers
Bankwest Qantas Platinum Mastercard bonus points offer:
Earn up to 80,000 bonus Qantas Points. Offer only available to eligible new Bankwest Qantas Platinum Mastercard customers who:
- Both apply for and open (that is, activate the card we issue for) a new Bankwest Qantas Platinum Mastercard on or after 10 June 2025.
- Have a minimum credit limit of $3,000 for that new Bankwest Qantas Platinum Mastercard.
- Have not held a Bankwest Qantas Mastercard account in the last 24 months.
- Open a new Bankwest Qantas Platinum Mastercard. Offer is not available to customers who have switched from an existing Bankwest credit card to a Bankwest Qantas Platinum Mastercard.
Customers who meet the above criteria will receive the bonus Qantas Points as follows:
- Earn 60,000 bonus Qantas Points by spending $7,500 or more on eligible purchases within 90 days from account opening. If the minimum spend requirement is satisfied, your 60,000 bonus Qantas Points will be transferred to your Qantas Frequent Flyer account within two months after the minimum spend period has ended.
- Earn 20,000 bonus Qantas Points by keeping your account open for 15 continuous months from account opening. If this requirement is satisfied, your 20,000 bonus Qantas Points will be transferred to your Qantas Frequent Flyer account within two months of meeting the requirement.
- Your card must remain open for bonus Qantas Points to be transferred.
Offer is subject to the Bankwest Qantas Rewards Terms and Conditions and Qantas Frequent Flyer program Terms and Conditions.
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 held a Bankwest Qantas Mastercard account in the last 24 months.
- Open a new Bankwest Qantas World Mastercard. Offer is not available to customers who have switched from an existing Bankwest credit card to a Bankwest Qantas World Mastercard.
Customers who meet the above criteria will receive the bonus Qantas Points as follows:
- Earn 80,000 bonus Qantas Points by spending $35,000 or more on eligible purchases within five months from account opening. If the minimum spend requirement is satisfied, your 80,000 bonus Qantas Points will be transferred to your account within two months after the minimum spend period has ended.
- Earn 20,000 bonus Qantas Points by keeping your account open for 15 continuous months from account opening. If this requirement is satisfied, your 20,000 bonus Qantas Points will be transferred to your Qantas Frequent Flyer account within two months of meeting the requirement.
- Your card must remain open for bonus Qantas Points to be transferred.
Offer is subject to the Bankwest Qantas Rewards Terms and Conditions and Qantas Frequent Flyer program Terms and Conditions.
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.
~ 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 More Mastercard offers
Bankwest More Classic Mastercard bonus points offer:
Earn up to 20,000 bonus More Rewards Points. Offer only available to eligible new More Classic Mastercard customers who:
- Both apply for and open (that is, activate the card we issue for) a new More Classic Mastercard on or after 26 May 2026;
- Have a minimum credit limit of $1,000 for that new More Classic Mastercard; and
- Have not held a More Mastercard account in the last 24 months.
Offer is not available to customers who have switched from an existing Bankwest credit card to a More Classic Mastercard.
Customers who meet the above criteria will receive the bonus More Rewards Points as follows:
- Earn 10,000 bonus More Rewards Points by spending $4,000 or more on eligible purchases within 90 days from account opening. If the minimum spend requirement is satisfied, your 10,000 bonus More Rewards Points will be credited to your points balance within two months after the minimum spend period has ended.
- Earn 10,000 bonus More Rewards Points by keeping your account open for 15 continuous months from account opening and continuing to use the card. If this requirement is satisfied, your 10,000 bonus More Rewards Points will be credited to your points balance within two months of meeting the requirement.
Your card must remain open for the bonus More Rewards Points to be received.
Offers is subject to the Bankwest More Rewards Terms and Conditions.
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 More Rewards Terms and Conditions.
Bankwest More Platinum Mastercard bonus points offer:
Earn up to 50,000 bonus More Rewards Points. Offer only available to eligible new More Platinum Mastercard customers who:
- Both apply for and open (that is, activate the card we issue for) a new More Platinum Mastercard on or after 26 May 2026;
- Have a minimum credit limit of $6,000 for that new More Platinum Mastercard; and
- Have not held a More Mastercard account in the last 24 months.
Offer is not available to customers who have switched from an existing Bankwest credit card to a More Platinum Mastercard.
Customers who meet the above criteria will receive the bonus More Rewards Points as follows:
- Earn 40,000 bonus More Rewards Points by spending $5,000 or more on eligible purchases within 90 days from account opening. If the minimum spend requirement is satisfied, your 40,000 bonus More Rewards Points will be credited to your points balance within two months after the minimum spend period has ended.
- Earn 10,000 bonus More Rewards Points by keeping your account open for 15 continuous months from account opening and continuing to use the card. If this requirement is satisfied, your 10,000 bonus More Rewards Points will be credited to your points balance within two months of meeting the requirement.
Your card must remain open for the bonus More Rewards Points to be received.
Offers is subject to the Bankwest More Rewards Terms and Conditions.
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 More Rewards Terms and Conditions.
Bankwest More World Mastercard bonus points offer:
Earn up to 50,000 bonus More Rewards Points. Offer only available to eligible new More World Mastercard customers who:
- Both apply for and open (that is, activate the card we issue for) a new More World Mastercard on or after 26 May 2026;
- Have a minimum credit limit of $12,000 for that new More World Mastercard; and
- Have not held a More Mastercard account in the last 24 months.
Offer is not available to customers who have switched from an existing Bankwest credit card to a More World Mastercard.
Customers who meet the above criteria will receive the bonus More Rewards Points as follows:
- Earn 40,000 bonus More Rewards Points by spending $10,000 or more on eligible purchases within 90 days from account opening. If the minimum spend requirement is satisfied, your 40,000 bonus More Rewards Points will be credited to your points balance within two months after the minimum spend period has ended.
- Earn 10,000 bonus More Rewards Points by keeping your account open for 15 continuous months from account opening and continuing to use the card. If this requirement is satisfied, your 10,000 bonus More Rewards Points will be credited to your points balance within two months of meeting the requirement.
Your card must remain open for the bonus More Rewards Points to be received.
Offers is subject to the Bankwest More Rewards Terms and Conditions.
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 More Rewards Terms and Conditions.
^^^ 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.
*** Virtual cards
Eligibility criteria apply. Virtual cards are available, subject to your account meeting the requirements, for Easy Transaction Accounts, Offset Transaction Accounts, Retirement Advantage Accounts and all retail credit cards (where lending criteria apply). See the Account Access Conditions of Use or Terms and Conditions relevant to your product.
