Credit cards

Plus, there's no annual fee for the first year and no balance transfer fee with the Breeze Mastercard®. Other fees and charges, T&Cs apply. Limited time, new Bankwest Breeze Mastercard customers only. See full T&Cs under 'Things you should know'.

Spend $3000 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. See full T&Cs under 'Things you should know'.

Our low ongoing rate

No annual fee

Earn Qantas Points

Earn Rewards Points

All our credit cards come with these great benefits

Digital cards

From paying with Apple PayGoogle Pay™ or Samsung Pay to having your card details at your fingertips, you can use your digital card without needing the plastic one on you.

Payment ring

Order your Bankwest Halo payment ring – it works just like your contactless card. Just fist-bump the terminal and go.

Instant card lock

Temporarily lock your card 24/7 in online banking or the app. Otherwise, you can give us a call.

Handy credit card tools

Help me choose

Find a credit card that’s right for you.

How to apply

What information you’ll need to have handy.

Manage my credit card

From setting up your card to using it day to day, we’ve got you covered.

Need help choosing or managing your credit card?

We’ve got a variety of guides and handy info that gives you everything you need to know about using your credit card. Find out more.

  1. 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):​​
    Please note that this event is excluded from cover for all destinations. For more information please see here.

  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 customers. Other fees and charges may apply, including when using overseas ATMs.
  3. Breeze Mastercard introductory offer:

    First year annual fee waiver, introductory balance transfer rate offer and introductory purchase rate offer is only available to new Bankwest Breeze Mastercard customers who apply from 29 April 2021 until the promotion ends, and are approved. Excludes product transfers from existing Bankwest credit cards.

    First year annual fee waiver:

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

    Introductory balance transfer rate offer and introductory purchase rate offer:

    • 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
    • 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 Zero Mastercard introductory offer:

    Introductory balance transfer rate offer is only available to new Bankwest Zero Mastercard customers who apply from 29 April 2021 until the promotion ends, and are approved. Excludes product transfers from existing Bankwest credit cards.

    Introductory balance transfer rate:

    • A 2% balance transfer fee is payable on all transactions to which that balance transfer rate applies
    • Introductory balance transfer rate excludes cash advances
    • 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.

  4. 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.

  5. 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.

  6. 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.
       
  7. To earn Annual Bonus Points you must have a minimum credit limit of $3,000.

  8. 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.

World Mastercard Program terms and conditions apply. Visit www.mastercard.com.au/world for details about World Mastercard experiences. Mastercard is a registered trademark, and the circles design and Tap & go are trademarks of Mastercard International Incorporated.

There is a limit of one Bankwest Breeze Mastercard, one Bankwest Zero Mastercard, one Bankwest Qantas Mastercard and one Bankwest More Mastercard per customer.

Bankwest Zero Platinum Mastercard was awarded the 2019 Best Credit Card For Travellers by Finder at the Finder Awards held in August 2019

The Bankwest Halo ring is a payment device which must be linked to an eligible Bankwest credit card. Eligibility criteria and terms & conditions apply. The Bankwest Halo payment ring is only available to Australian citizens and Permanent or Temporary Residents over 16 years of age with an Australian residential address. Fees and charges apply. You can't link a Bankwest Halo to a Bankwest business credit card or bank account, Gold tier Mastercard, Visa card or FeeSaver Basic Account.

Terms of Use apply to the use of Apple Pay. Apple, the Apple logo, Apple Pay, iPhone and the App Store are trademarks of Apple Inc., registered in the U.S. and other countries.

Terms of Use apply to the use of Google Pay. Android, Google Pay, Google Play and the Google Play logo are trademarks of Google LLC.​

Terms of Use apply to the use of Samsung Pay. Samsung, Samsung Pay and Samsung Pay logo are trademarks of Samsung Electronics Co., Ltd.

Bankwest Easy Alerts are available for your mobile personal transaction and savings accounts. Limited alerts only are available for credit card transactions. Bankwest Easy Alerts will be sent to any compatible iOS and Android device on which you have the Bankwest App and enabled notifications. Whilst some alerts may be sent to your device once you have enabled notifications, in order to receive the full range of Easy Alerts available you will also need to activate the Bankwest Easy Alerts service within the Bankwest App. Terms of Use apply. Bankwest Easy Alerts is currently supported on iOS 11 and Android 5.0 devices and above. Bankwest Easy Alerts is not available on tablets and Windows devices.