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Earn reward points

Bankwest More World Mastercard™

  • 115k Annual Bonus Points. Min spend applies 4
  • Redeem 325k potential points for $850 cash back 5 Redemption values current at 18 November 2019, points are awarded yearly and take into account bonus points and points earned when minimum spend requirements are met. Rewards and redemption values subject to change and availability. Close
  • 2.5 points per $1 spent on eligible purchases and no points cap ? 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. Close
  • 10 complimentary airport lounge visits per year at over 1000 participating lounges worldwide with LoungeKey. 6

Some trade-offs

  • Higher annual fee compared to some of our other cards
  • Higher purchase rate compared to our low rate credit cards.
Annual fee $270
Purchase rate 19.99% p.a.
Minimum credit limit $12,000
Earn reward points

Bankwest More Platinum Mastercard®

  • Earn 2 points per $1 spent on eligible purchases ? 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. Close
  • 75k Annual Bonus Points. Min spend applies 4
  • Redeem 171k potential points for $450 cash back 5 Redemption values current at 18 November 2019, points are awarded yearly and take into account bonus points and points earned when minimum spend requirements are met. Rewards and redemption values subject to change and availability. Close
  • No foreign transaction fees for online and overseas purchases. 2

Some trade-offs

  • Higher annual fee compared to some of our other cards
  • Higher purchase rate compared to our low rate credit cards.
Annual fee $160
Purchase rate 19.99% p.a.
Minimum credit limit $6,000
Earn reward points

Bankwest More Classic Mastercard®

  • Earn 1.5 points per $1 spent on eligible purchases ? 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. Close
  • 19.5k Annual Bonus Points. Min spend applies 4
  • Redeem 55.5k potential points for $100 cash back. 5 Redemption values current at 18 November 2019, points are awarded yearly and take into account bonus points and points earned when minimum spend requirements are met. Rewards and redemption values subject to change and availability. Close

Some trade-offs

  • Higher annual fee compared to some of our other cards
  • Higher purchase rate compared to our low rate credit cards
  • Overseas travel insurance isn’t included and foreign transaction fees apply. 2
Annual fee $100
Purchase rate 19.99% p.a.
Minimum credit limit $1,000  ($3,000 to earn Annual Bonus Points)
No annual fee

Bankwest Zero Platinum Mastercard®

  • No annual fee, ever
  • Complimentary overseas travel insurance 1
  • No foreign transaction fees for online and overseas purchases. 2

Some trade-offs

  • Higher purchase rate compared to our low rate credit cards
  • No rewards points program.
Annual fee $0
Purchase rate 17.99% p.a.
Minimum credit limit $6,000
No annual fee

Bankwest Zero Classic Mastercard®

  • No annual fee, ever.

Some trade-offs

  • Overseas travel insurance isn’t included
  • Foreign transaction fees of 2.95% of the transaction apply 2
  • Higher purchase rate compared to our low rate credit cards
  • No rewards points program.
Annual fee $0
Purchase rate 17.99% p.a.
Minimum credit limit $1,000
Low ongoing rate

Bankwest Breeze Platinum Mastercard®

  • New Breeze customers get 0% p.a. for 6 months on balance transfers and $0 first annual fee. Limited time only 3
  • After any intro period, ongoing balance transfer rate of 9.90% p.a. applies
  • Complimentary overseas travel insurance 1
  • No foreign transaction fees for online and overseas purchases. 2

Some trade-offs

  • No rewards points program.
Annual fee $0 (first year), $99 (after) 3
Purchase rate 9.90% p.a. ? 3
Minimum credit limit $6,000
Low ongoing rate

Bankwest Breeze Classic Mastercard®

  • New Breeze customers get 0% p.a. for 6 months on balance transfers and $0 first annual fee. Limited time only 3
  • After any intro period, ongoing balance transfer rate of 9.90% p.a. applies.

Some trade-offs

  • Overseas travel insurance isn’t included
  • Foreign transaction fees of 2.95% of the transaction amount apply 2
  • No rewards points program.
Annual fee $0 (first year), $79 (after) 3
Purchase rate 9.90% p.a. ? 3
Minimum credit limit $1,000
Earn Qantas Points

Bankwest Qantas Platinum Mastercard®

  • Earn 0.75 points per $1 on your first $2,500 spent on eligible purchases per month (0.3 points thereafter) ? 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
  • Unlimited points-earning potential
  • Complimentary overseas travel insurance 1
  • No foreign transaction fees for online and overseas purchases. 2

Some trade-offs

  • Higher annual fee compared to some of our other cards
  • Higher purchase rate compared to our low rate credit cards.
Annual fee $160
Purchase rate 20.49% p.a.
Minimum credit limit $3,000
Earn Qantas Points

Bankwest Qantas World Mastercard™

  • Earn 1 point per $1 on your first $5,000 spent on eligible purchases per month (0.5 points thereafter) ? 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
  • Unlimited points-earning potential
  • Complimentary overseas travel insurance 1
  • No foreign transaction fees for online and overseas purchases. 2

Some trade-offs

  • Higher annual fee compared to some of our other cards
  • Higher purchase rate compared to our low rate credit cards.
Annual fee $270
Purchase rate 20.49% p.a.
Minimum credit limit $12,000
Rates and fees are subject to change.

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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.

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

From 9 December 2019 we're making some important changes to complimentary overseas travel insurance cover and eligibility criteria - here's what you need to know.

2. 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.

3. Annual fee waiver, promotional ongoing purchase rate and introductory balance transfer rate offer is available to new Breeze Mastercard customers who apply from 24 July 2019 until the promotion ends. Excludes product transfers from existing Bankwest credit cards. Rates are subject to change and exclude cash advances (rate 21.99% p.a. applies).

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

Promotional introductory balance transfer rate:

  • 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
  • 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.

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.

More Rewards Points can be redeemed for things like travel, homewares, electrical items, entertainment, beauty goods and fashion. See more info about the Bankwest More Mastercard.

5. Redemption values current at 15 May 2017, points are awarded yearly and take into account bonus points and points earned when minimum spend requirements are met. Rewards and redemption values subject to change and availability.

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.

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 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.

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.