Bankwest Qantas Mastercard
Qantas Frequent Flyer credit card
Why you’ll love our Qantas Credit Cards
Earn points as you spend
Earn Qantas Points on eligible purchases and make everyday spending more rewarding.^
Travel benefits
Travel happily with no foreign transaction fees and complimentary overseas travel insurance.†† **
Waived Qantas Frequent Flyer Membership Fee
Qantas will waive the Frequent Flyer membership joining fee, saving you $99.50.^
Up to 44 days interest free
Enjoy up to 44 days interest free on purchases.#
A Qantas Points credit card that rewards your spending
Perks and offers
What you’ll get with our Qantas Credit Cards.
- Earn up to 40,000 bonus Qantas Points*
- Unlimited points earning potential^
- Qantas Platinum Mastercard - 0.6 Qantas Points per $1 on the first $2,500 spent on eligible purchases per month, then 0.15 Qantas Points per $1 thereafter^
- Qantas World Mastercard - 1 Qantas Point per $1 on the first $3,000 spent on eligible purchases per month, then 0.2 Qantas Points per $1 thereafter^
- Complimentary overseas travel insurance**
Use your Qantas Points for:
- Flights and upgrades with Qantas and partner airlines^
- Hotels, holidays and curated travel experiences^
- Shop thousands of rewards in Qantas Marketplace^
- Request an upgrade on Qantas marketed and operated flights^
Fees and rates
Bankwest Qantas Platinum Mastercard
Bankwest Qantas World Mastercard
| Bankwest Qantas Platinum Mastercard | Bankwest Qantas World Mastercard |
|---|---|
Minimum credit limit $1,000 | Minimum credit limit $6,000 |
Annual fee $199 | Annual fee $320 |
Foreign transaction fee 0%†† | Foreign transaction fee 0%†† |
Ongoing purchase rate 19.99% p.a.^^ | Ongoing purchase rate 19.99% p.a.^^ |
Interest free period Up to 44 days# | Interest free period Up to 44 days# |
Introductory balance transfer rate 2.99% p.a. for 9 months on balance transfers. New Bankwest Qantas Mastercard customers only. Other fees and charges, T&Cs apply.* | Introductory balance transfer rate 2.99% p.a. for 9 months on balance transfers. New Bankwest Qantas Mastercard customers only. Other fees and charges, T&Cs apply.* |
Ongoing balance transfer rate 19.99% p.a.~~ | Ongoing balance transfer rate 19.99% p.a.~~ |
Complimentary overseas travel insurance Included** | Complimentary overseas travel insurance Included** |
Smarter tools, simpler banking
Spend safely with virtual cards
Make purchases without using your regular card details. Create digital cards for one-off or recurring online payments.***
Easy Instalments
Spread the cost of eligible purchases over four monthly instalments and pay 0% p.a.^^^
A clearer view of where you spent and what’s upcoming
View what you’ve spent, see upcoming payments and easily track transactions, subscriptions and spending habits.
Fast-acting security
Lock or unlock your card, activate new cards and receive notifications to help keep track of card activity and unusual transactions.
Get started with our award-winning travel credit card
No credit card annual fee as part of a Complete Home Loan
- No annual fee
- Home loan perks
Get started
Check your eligibility
To apply, you must be 18 or older, an Australian citizen or resident, and not already hold a Bankwest Qantas Mastercard.
Ready your documents
You'll need photo ID, employment details, and information about your finances, including income, expenses, assets and debts.
Get started with our award-winning credit card
Explore the rest of the line up
Zero Mastercard
No annual fee credit card
- No annual fee
- 18.99% p.a. ongoing purchase rate
- Up to 55 days interest free#
Breeze Mastercard
Low rate credit card
- Our lowest ongoing purchase rate
- 12.99% p.a. ongoing purchase rate
- Up to 55 days interest free#
More Mastercard
Rewards credit card
- Complimentary overseas travel insurance** & 10 lounge passes per year##
- 14.99% p.a. ongoing purchase rate
- Up to 44 days interest free#
Earning and using Qantas Points
You earn Qantas Points on eligible purchases made with your Bankwest Qantas Mastercard. Points are added to your nominated Qantas Frequent Flyer account each month. Earn rates are:
- Qantas Platinum: 0.6 Qantas Points per $1 on the first $2,500 spent on eligible purchases per month, then 0.15 Qantas Points per $1 thereafter.
- Qantas World: 1 Qantas Point per $1 on the first $3,000 spent on eligible purchases per month, then 0.2 Qantas Points per $1 thereafter.
You must be a Qantas Frequent Flyer member to earn points. View the Bankwest Qantas Rewards Terms & Conditions (PDF).
Common questions
You can make your repayments in the app or online banking. Schedule a repeating payment for a set amount to make this automatic.
You can also call us on 13 17 19 and choose ‘self-service phone banking’ or visit a participating Bank@Post location to make a repayment.
At a minimum, you’ll need to pay off the ‘Minimum payment’ amount specified on your statement plus any ‘Amount Due Immediately’ by the due date to avoid a late payment fee. You can also choose to pay off your entire balance to avoid purchase interest and get your interest free days (if applicable).
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.
You’ll be eligible to apply for a Bankwest Qantas Mastercard if you meet the below criteria:
- You’re 18 years or over
- You’re an Australian citizen, a permanent or temporary resident
- You don’t already have a Bankwest Qantas Mastercard, as we only allow one per customer.
If you’re a temporary resident, make sure your visa type isn’t on our non-acceptable visa (PDF) list.
Start your application online now. You’ll need:
- Photo identification such as an Australian driver’s licence or passport. Or see a handy list of other ID documents we’ll accept.
- Employment details, including length of employment and employer contact numbers
- Info about your income, expenses, assets, loans and other credit cards.
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.
- 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 visit Terms and Conditions for more information.
- Lending and eligibility criteria, fees and charges apply.
- Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.
- Canstar’s 2025 Outstanding Value awards recognise products offering outstanding value to consumers as part of Canstar’s Star Ratings & Awards. Find more about the awards and categories here.
†† Foreign transaction fees
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.
# 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.
** Complimentary overseas travel insurance
Complimentary overseas travel insurance provides base cover only. Limitations, exclusions, and eligibility criteria apply. See the Complimentary Overseas Travel Insurance Product Disclosure Statement for details.
* Introductory offers
Bankwest Qantas Mastercard introductory balance transfer offer:
Introductory balance transfer rate offer is only available to new Bankwest Qantas Mastercard customers only. Excludes product transfers from existing Bankwest credit cards.
Introductory balance transfer offer:
- Introductory balance transfer rate excludes cash advances (rate of 21.99% p.a. applies)
- Applies from the date when the card is opened, regardless of when any balance transfer is processed by us
- After 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.
Bankwest Qantas Mastercard bonus points offer:
Earn up to 40,000 bonus Qantas Points. Offer only available to eligible new Bankwest Qantas Mastercard customers who:
- Both apply for and open (that is, activate the card we issue for) a new Bankwest Qantas Mastercard on or after 1 October 2026.
- Have a minimum credit limit of $1,000 for new Bankwest Qantas Platinum Mastercard or a minimum credit limit of $6,000 for new Bankwest Qantas World Mastercard.
- Have not held a Bankwest Qantas Mastercard account in the last 36 months.
- Open a new Bankwest Qantas Mastercard. Offer is not available to customers who have switched from an existing Bankwest credit card to a Bankwest Qantas Mastercard.
Customers who meet the above criteria will receive the bonus Qantas Points as follows:
- Earn 20,000 bonus Qantas Points by spending $4,000 or more on eligible purchases within 4 months from account opening. If the minimum spend requirement is satisfied, your 20,000 bonus Qantas Points will be transferred to your Qantas Frequent Flyer account within 2 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 2 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 Mastercard - Join and redeem Qantas Points
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.
Redeeming Qantas Points
Qantas Frequent Flyer members only. Other fees and charges apply. The redemption of Qantas Points is subject to the Qantas Frequent Flyer Terms and Conditions.
Classic Flight Rewards are available on Qantas, Jetstar and partner airlines. Seats are subject to capacity controls, availability is limited, and some flights may not have any Classic Flight Rewards available. Taxes, fees and carrier charges are payable to Qantas (excluding any amounts payable to third parties at the airport) by an Accepted Payment Card in addition to the points required on Classic Flight Reward flights. Qantas Points required and taxes, fees and carrier charges are subject to change and quoted at the time of booking. For more information, visit Classic Flight Rewards.
Classic Hotel Rewards can only be redeemed using Qantas Points and do not earn Qantas Points. Minimum night stays and blackout dates may apply. Visit Qantas for Terms and Conditions.
Delivery charges may apply on Qantas Marketplace orders. Visit Qantas Marketplace Terms and Conditions.
Classic Flight Rewards & Classic Upgrade Rewards
Classic Flight Rewards are available on Qantas, Jetstar and partner airlines. Seats are subject to capacity controls, availability is limited, and some flights may not have any Classic Flight Rewards available. Taxes, fees and carrier charges are payable to Qantas (excluding any amounts payable to third parties at the airport) by an Accepted Payment Card in addition to the points required on Classic Flight Reward flights. Qantas Points required and taxes, fees and carrier charges are subject to change and quoted at the time of booking. For more information, visit Classic Flight Rewards.
Classic Upgrade Rewards are available on Classic Flight Rewards in Economy and Premium Economy, Classic Plus Flight Rewards in Economy and Premium Economy, eligible paid and confirmed Qantas domestic and international flights with a Qantas (QF) flight number on your ticket, and from time to time on codeshare flights operated by another carrier that have a QF flight number on your ticket. Classic Upgrade Rewards are subject to capacity controls and availability is limited. Classic Upgrade Rewards are not available from all fare types. See Classic Upgrade Reward tables for details.
Hotel and Holidays
Members will not be able to redeem points for, or earn points on, additional charges paid to the accommodation provider for extras (including cots, breakfasts and other incidentals) on check-in or check-out (as applicable). Cancellation and refund policies and conditions differ for each hotel, check at the time of booking. View full terms and conditions. Points Plus Pay: Points Plus Pay allows you to choose the number of Qantas Points you redeem above the specified minimum level of 2,000 and pay for the remainder of the booking value with an Accepted Payment Card (including VISA, MasterCard or American Express). Points Plus Pay is not available for Classic Hotel Rewards. Classic Hotel Rewards: Minimum night stays and blackout dates may apply. Qantas Points cannot be earned on Classic Hotel Rewards. A Classic Hotel Reward must be booked using Qantas Points only.
^^ The ongoing purchase interest rate
The ongoing purchase interest rate is the rate that applies to purchases after any applicable introductory period finishes.
~~ The ongoing balance transfer rate
The ongoing balance transfer rate is the rate that applies after the introductory period finishes.
### 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 $1,000 for the Bankwest Qantas Platinum Mastercard and Breeze Platinum Mastercard, and $6,000 for the Bankwest More World Mastercard and Bankwest Qantas World Mastercard.
^^^ 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.
† Cash advance rate
Cash advance rate applies to online transfers and using your credit card to withdraw cash.
‡‡‡ Late payment admin fee
When the minimum payment is not processed by the due date. This includes any amount shown on your card account statement as 'amount due immediately'.
~ 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.
*** 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.
## Complimentary lounge passes
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.
