Bankwest Platinum Mastercard® range

Whether you want to earn rewards points, pay no annual fee or score a low ongoing rate, there's a Bankwest Platinum Mastercard to suit you.

Benefits of our Bankwest Platinum credit cards

International travel insurance

Complimentary international travel insurance for you and your family, plus interstate flight inconvenience insurance. 1 Limitations, exclusions and eligibility criteria apply. See the Complimentary Credit Card Insurance booklet for details. Close

No overseas transaction fees

Enjoy jaw-dropping scenery, not jaw-dropping fees on online and overseas purchases. 2

The platinum choice

Choose between no annual fee, a low ongoing purchase rate or earning rewards points.

Interest-free days

Up to 55 days interest free on purchases. 3 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 further outlines how this interest-free period is calculated. Close

Complimentary extras

Including Extended Warranty, Price Guarantee Insurance and Purchase Cover Insurance. 1 Limitations, exclusions and eligibility criteria apply. See the Complimentary Credit Card Insurance booklet for details. Close

Easy card lock and replacement

Temporarily lock your card in the app, or request free worldwide emergency card replacement.

Find a card to suit you ? The ongoing purchase rate is the rate that applies to purchases after the introductory period finishes. The ongoing balance transfer rate is the rate that applies after the introductory period finishes. 
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? Applies to online transfers and using your credit card to withdraw cash. Close 2 ? Avoid this fee with eStatements.
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Card type Breeze Platinum Mastercard

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Zero Platinum Mastercard

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More Platinum Mastercard

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Qantas Platinum Mastercard

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Bankwest Breeze Mastercard
Zero Platinum Mastercard
More Platinum Mastercard
Qantas Platinum Mastercard
Card benefits
Low ongoing rate No annual fee Earn reward points Earn Qantas Points
Rates
Introductory purchase rate 0% p.a. for 13 months 4 Not available Not available Not available
Ongoing purchase & balance transfer rate ? The ongoing purchase rate is the rate that applies to purchases after the introductory period finishes. The ongoing balance transfer rate is the rate that applies after the introductory period finishes. 
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12.99% p.a. 17.99% p.a. 19.99% p.a. 20.49% p.a.
Introductory balance transfer rate 0% p.a. for 13 months (2% balance transfer fee applies) 4
2.99% p.a. for the first 9 months 0% p.a. for the first 6 months 2.99% p.a. for the first 9 months
Cash advance rate ? Applies to online transfers and using your credit card to withdraw cash. Close 21.99% p.a. 21.99% p.a. 21.99% p.a. 21.99% p.a.
Fees
Annual fees $99
$0 $160 $160
Foreign transaction fee 2 $0 $0 $0 $0
Cash advance fee 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)
Paper statement fee ? Avoid this fee with eStatements.
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$1.25 per statement $1.25 per statement $1.25 per statement
$1.25 per statement
Rewards points
Available on selected cards Not available Not available Earn 2 More Rewards 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 Earn 0.5 Qantas Points per $1 spent on eligible purchases ?
Breeze Platinum Mastercard



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0% p.a. for 13 months 4 12.99% p.a. 0% p.a. for 13 months (2% balance transfer fee applies) 4
21.99% p.a. $99
$0 2% of transaction amount or $4 (whichever is greater) $1.25 per statement Not available
Zero Platinum Mastercard

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Not available 17.99% p.a. 2.99% p.a. for the first 9 months 21.99% p.a. $0 $0 2% of transaction amount or $4 (whichever is greater)  $1.25 per statement Not available
More Platinum Mastercard

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Not available 19.99% p.a. 0% p.a. for the first 6 months 21.99% p.a. $160 $0 2% of transaction amount or $4 (whichever is greater) $1.25 per statement
Earn 2 More Rewards 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
Qantas Platinum Mastercard

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Not available 20.49% p.a. 2.99% p.a. for the first 9 months 21.99% p.a. $160 $0 2% of transaction amount or $4 (whichever is greater) $1.25 per statement
Earn 0.5 Qantas Points per $1 spent on eligible purchases ?

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).

Things you should know

1. Limitations, exclusions and eligibility criteria apply. See the Complimentary Credit Card Insurance booklet (PDF) for details.

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. Interest-free days on purchases apply when the total amount owing on your current statement (including any balance transfer amount) 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.

4. 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 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
  • 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.

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, 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.


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.

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