Frequent Flyer credit card

The Bankwest Qantas Mastercard® lets you earn Qantas Points on your everyday spending.1

Benefits

Earn Qantas Points

0.5 Qantas Points per $1 spent on eligible purchases, or 0.66 Qantas Points if you're a World cardholder. ? 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

Redeem Qantas Points for real rewards

Get Classic Flight Rewards, products and vouchers from the Qantas Store. 2 Qantas Points can be used to redeem Classic Flight Rewards and Points Plus Pay-Flights seats. These are available on selected flights, availability is limited and booking conditions apply. Additional taxes, fees and carrier charges may apply. For more information visit qantas.com for details. Close

Join for free

Qantas Frequent Flyer membership fees are waived when you take out a Bankwest Qantas Mastercard. 3 A joining fee usually applies. However, complimentary membership is available from Bankwest if you join at qantas.com/joinffbankwest. Close

Interest-free period

Get up to 44 interest-free days on purchases. 4 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

There are three types of frequent flyer credit cards

Classic

Earn 0.5 points per $1 spent on eligible purchases ? 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
  • Free worldwide emergency card replacement
  • $1,000 minimum credit limit

Platinum

Earn 0.5  points per $1 spent on eligible purchases ? 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
  • Complimentary international credit card travel insurance 5 Limitations, exclusions and eligibility criteria apply. See the Complimentary Credit Card Insurance booklet for details. Close
  • No foreign transaction fees for online and overseas purchases 6 No foreign transaction fees for Platinum and World customers for transactions occurring outside Australia whether in foreign currency or Australian dollars. This applies to online and overseas purchases. Other fees and charges may apply, including when using overseas ATMs. Close
  • Free worldwide emergency card replacement
  • $6,000 minimum credit limit

World

Earn 0.66 points per $1 spent on eligible purchases with no points cap ? 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
  • Complimentary international credit card travel insurance 5 Limitations, exclusions and eligibility criteria apply. See the Complimentary Credit Card Insurance booklet for details. Close
  • No foreign transaction fees for online and overseas purchases 6 No foreign transaction fees for Platinum and World customers for transactions occurring outside Australia whether in foreign currency or Australian dollars. This applies to online and overseas purchases. Other fees and charges may apply, including when using overseas ATMs. Close
  • Free worldwide emergency card replacement
  • $12,000 minimum credit limit

Rates and fees

Show me the rates and fees for

Rate

Rate Type

Rate

Purchase rate ? Interest rate on purchases made using your credit card. Close

20.49% p.a.

Introductory balance transfer rate for the first 9 months7

2.99% p.a.

Ongoing balance transfer rate ? The ongoing balance transfer rate is the rate that applies after the introductory period finishes.  Close

20.49% p.a.

Cash advances ? Applies to online transfers and using your credit card to withdraw cash. Close

21.99% p.a.

More

Fees

Fee Type

Fee

Annual fee

$100

Annual fee

$160

Annual fee

$270

Foreign transaction fee

Waived (Normally 2.95% of the transaction amount) 6 No foreign transaction fees for Platinum and World customers for transactions occurring outside Australia whether in foreign currency or Australian dollars. This applies to online and overseas purchases. Other fees and charges may apply, including when using overseas ATMs. Close

Foreign transaction fee ? For each transaction occurring outside Australia whether in foreign currency or Australian dollars. Close

2.95% of the transaction amount

Late payment administrative fee ? When the minimum payment is not processed by the due date.  Close

$25 per statement period

Cash advance fee

2% of transaction amount or $4 (whichever is greater)

Dishonour fee ? Each time there is a dishonoured payment into the account. For example, a dishonoured periodical/scheduled payment or cheque deposit. Close

$10 each time

Paper statement fee ? Avoid this fee with eStatements.
Close

$1.25 per statement

More

Rates are subject to change. Other fees and charges may apply. A full list of fees will be outlined in your credit card contract.

Apply today 

Here are your next steps...

Check your eligibility

  • People 18 years or over
  • Australian permanent residents
  • Only one Bankwest Qantas Mastercard account per customer.
1

Things you need for your application

  • 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
  • Financial information including income, expenses and assets.

Find out more about what you may need to provide.

Already started? Resume your application.

Need help choosing or managing your credit card?

Speak with someone from the team today.

Things you should know

1. 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.

2. Qantas Points can be used to redeem Classic Flight Rewards and Points Plus Pay- Flights seats. These are available on selected flights, availability is limited and booking conditions apply. Additional taxes, fees and carrier charges may apply. For more information visit qantas.com for details.

3. A joining fee usually applies. However, complimentary membership is available from Bankwest if you join at qantas.com/joinffbankwest.

4. 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 (PDF) further outlines how this interest-free period is calculated.

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

6.  No foreign transaction fees for Platinum and World customers for transactions occurring outside Australia whether in foreign currency or Australian dollars. This applies to online and overseas purchases. Other fees and charges may apply, including when using overseas ATMs..

7. Introductory rate on balance transfers: 

  • Introductory rate on balance transfers is available to new credit card customers only
  • 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 balance transfer rate as outlined in your credit card schedule
  • Minimum balance transfer amount is $500
  • A 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.

Visit www.mastercard.com.au/world for details about World Mastercard experiences including terms and conditions. Mastercard, World Mastercard and the Mastercard brand mark are registered trademarks, and the circles design and tap & go are trademarks of Mastercard International Incorporated.