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Earn reward points
Bankwest More World Mastercard®
- Enjoy unlimited points earning potential 4
- Earn 2.5 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.
- 10 complimentary airport lounge visits per year at over 1,300 airport lounges worldwide with Mastercard Travel Pass 5 Please review the Mastercard Travel Pass Terms & Conditions before you make your first lounge visit. Download the Mastercard Travel Pass app from the App Store, Google Play or the Mastercard Travel Pass website. For more information refer to the 'Things you should know' section at the bottom of this page.
- Complimentary overseas travel insurance and no foreign transaction fees. 1 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 | 19.99% p.a. |
| Minimum credit limit | $12,000 |
Earn reward points
Bankwest More Platinum Mastercard®
- Earn up to 400,000 More Rewards points every year 4
- 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.
- Complimentary overseas travel insurance and no foreign transaction fees.
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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 up to 150,000 More Rewards points every year 4
- 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.
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 |
No annual fee
Bankwest Zero Platinum Mastercard®
- No annual fee and no foreign transaction fees
2
- Complimentary overseas travel insurance 1
- 0% p.a. for 28 months on balance transfers. 3% balance transfer fee. Other fees and charges, T&Cs apply. Limited time for new Bankwest Zero Mastercard customers only 3
- After the intro period, there's an ongoing balance transfer rate of 14.99% p.a.
Some trade-offs
- Higher purchase rate compared to our low rate credit cards
- No rewards points program.
| Annual fee | $0 |
|---|---|
| Purchase rate | 14.99% p.a. |
| Minimum credit limit | $6,000 |
No annual fee
Bankwest Zero Classic Mastercard®
- No annual fee, ever.
- 0% p.a. for 28 months on balance transfers. 3% balance transfer fee and other fees and charges, T&Cs apply. Limited time for new Bankwest Zero Mastercard customers only. 3
- After the intro period, there's an ongoing balance transfer rate of 14.99% p.a.
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 | 14.99% p.a. |
| Minimum credit limit | $1,000 |
Low ongoing rate
Bankwest Breeze Platinum Mastercard®
- 0% p.a. for 12 months on purchases and balance transfers. Limited time for new Breeze Mastercard customers only. 2% balance transfer fee, other fees and charges, T&Cs apply 3
- After any intro period, ongoing purchase rate and balance transfer rate of 12.99% 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 | $69 |
|---|---|
| Purchase rate | 12.99% p.a. ? |
| Minimum credit limit | $6,000 |
Low ongoing rate
Bankwest Breeze Classic Mastercard®
- 0% p.a. for 12 months on purchases and balance transfers. Limited time for new Breeze Mastercard customers only. 2% balance transfer fee, other fees and charges, T&Cs apply 3
- After any intro period, ongoing purchase rate and balance transfer rate of 12.99% 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 | $49 |
|---|---|
| Purchase rate | 12.99% p.a. ? |
| Minimum credit limit | $1,000 |
Earn Qantas Points
Bankwest Qantas Platinum Mastercard®
Earn up to 50,000 Bonus Qantas Points. Spend $3,000 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. 6
- Earn 0.6 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 balance transfers, bank fees, gambling, government charges and anything else listed in Section 5 of our Bankwest Qantas Rewards Terms and Conditions. 7
- 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 | 19.99% 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 balance transfers, bank fees, gambling, government charges and anything else listed in Section 5 of our Bankwest Qantas Rewards Terms and Conditions. 7
- 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 | 19.99% p.a. |
| Minimum credit limit | $12,000 |
Rates and fees are subject to change.
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Need help understanding credit cards?
There is a limit of one Bankwest Breeze Mastercard, one Bankwest Zero Mastercard, one Bankwest Qantas Mastercard and one Bankwest More Mastercard per customer.
Complimentary overseas travel insurance provides base cover only and limitations, exclusions and eligibility criteria apply. See the Credit Card Insurances Product Disclosure Statement and Information Booklet (PDF) for details.
Coronavirus (COVID-19)
COVID-19 cover under the Overseas Emergency Medical and Hospital Expenses benefit is now included for travellers whose journey commenced on or after 24 August 2022. If you have purchased any upgraded cover before 24 August, regardless of the date travel commences, COVID-19 cover is not included under Overseas Emergency Medical and Hospital Expenses benefit. There is no COVID-19 cover for cruise travel or cancellation claims related to COVID-19. Terms and conditions apply.There is no cover under any other benefit for claims related to COVID-19 for all destinations. For more information please refer to the Credit Card Insurance PDS (PDF).
- 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 or overseas ATM fees apply for Platinum or World customers. Other fees and charges may apply, including Overseas ATM operator and local non-bank ATM operators may charge a fee.
Bankwest Zero Mastercard introductory offer:
Introductory balance transfer rate offer is only available to new Bankwest Zero Mastercard customers who apply from 10 November 2023 until the promotion ends, and are approved. Excludes product transfers from existing Bankwest credit cards.
Introductory balance transfer rate:
- 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 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:
Introductory balance transfer rate offer and introductory purchase rate offer is only available to new Bankwest Breeze Mastercard customers who apply from 10 November 2023 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 2% 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 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.
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.
- To gain access to participating airport lounges, you must register your Bankwest More World Mastercard on the Mastercard Travel Pass website or app, generate a membership QR code and present this along with your boarding pass for validation. More World Mastercard customers receive ten complimentary lounge visits every year, per account, each visit can be used by either the primary cardholder or guest. Guest must always be accompanied by the primary cardholder and cannot use the access on their own. Please note, your lounge access may be blocked if your account is closed, in arrears, reported lost or stolen, or has been blocked by us for any reason. To redeem an offer visit the Mastercard Travel Pass website or app, select your preferred offer and generate an offer QR code. Present the valid offer QR code to the cashier and redeem the offer. Please note, offers vary by location. Visit Mastercard Travel Pass website for information on accessing lounges, offer locations, a full list of Terms and Conditions and Frequently Asked Questions. Please review Mastercard Travel Pass Terms & Conditions before you make your first lounge visit.
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.
- 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 (PDF). - Earning Qantas Points
Qantas Frequent Flyer members only. Qantas Points are earned on eligible purchases only and are subject to the Bankwest Qantas Rewards Terms and Conditions (PDF). Qantas Points (outside any bonus points) are transferred to your Frequent Flyer Account after your account has been open for at least two months and you have spent an initial $1,500 on eligible purchases.
Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.