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.
   
   On 9 December 2019 we made some important changes to complimentary overseas travel insurance cover and eligibility criteria – here’s what you need to know.
   
   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. Discounted annual fee and introductory balance transfer rate offer is available to new Bankwest Breeze Mastercard customers who apply from 11 December 2020 until the promotion ends, and are approved. Excludes product transfers from existing Bankwest credit cards.

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

   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 
   • 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 30,000 Bonus Qantas Points promotion is only available to eligible new Bankwest Qantas Platinum Mastercard customers ($3,000 minimum credit limit) who apply from 5 October 2020 until the promotion ends and are approved. To be eligible for 20,000 Bonus Points you must meet the minimum spend requirements within three months of account opening. 20,000 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 account 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.