Credit card changes
On this page
Credit card product changes
Refer to the tables below for details of the changes.
Important notice - Changes to Bankwest Qantas Rewards and Bankwest More Rewards Terms and Conditions.
Zero Platinum Mastercard
| Current | From 1 October 2026 |
|---|---|
| Minimum credit limit: $6,000 | Minimum credit limit: $1,000^ |
Breeze Platinum Mastercard
| Current | From 1 October 2026 |
|---|---|
| Minimum credit limit: $6,000 | Minimum credit limit: $1,000^ |
More Classic Mastercard
| Current | From 1 October 2026 |
|---|---|
| Points earning: 1.5 Points per $1 spent on eligible purchases.~ | Points earning: 1.5 Points per $1 on the first $1,000 spent on eligible purchases per month, then 0.3 Points per $1 thereafter.~ |
| Points cap: 150,000 points per year | Points cap: Removed, allowing unlimited points earning. |
More Platinum Mastercard
| Current | From 1 October 2026 |
|---|---|
| Minimum credit limit: $6,000 | Minimum credit limit: $1,000 |
| Points earning: 2 Points per $1 spent on eligible purchases.~ | Points earning: 2 Points per $1 on the first $1,500 spent on eligible purchases per month, then 0.5 Points per $1 thereafter.~ |
| Points cap: 400,000 points per year | Points cap: Removed, allowing unlimited points earning. |
More World Mastercard
| Current | From 1 October 2026 |
|---|---|
| Minimum credit limit: $12,000 | Minimum credit limit: $6,000^ |
| Points earning: 2.5 Points per $1 spent on eligible purchases.~ | Points earning: 2.5 Points per $1 on the first $2,000 spent on eligible purchases per month, then 0.5 Points per $1 thereafter.~ |
Bankwest Qantas Classic Mastercard
| Current | From 1 October 2026 |
|---|---|
| Points earning: 0.3 Qantas Points per $1 spent on eligible purchases.# | Points earning: 0.25 Qantas Points per $1 on the first $1,500 spent on eligible purchases per month, then 0.1 Qantas Points per $1 thereafter.# |
Bankwest Qantas Platinum Mastercard
| Current | From 1 October 2026 |
|---|---|
| Minimum credit limit: $3,000 | Minimum credit limit: $1,000^ |
| Points earning: 0.6 Qantas Points per $1 on the first $2,500 spent on eligible purchases per month, and 0.3 points thereafter.# | Points earning: 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.# |
Bankwest Qantas World Mastercard
| Current | From 1 October 2026 |
|---|---|
| Minimum credit limit: $12,000 | Minimum credit limit: $6,000^ |
| Points earning: 1 Qantas Point per $1 on the first $5,000 spent on eligible purchases per month, and 0.5 points thereafter.# | Points earning: 1 Qantas Point per $1 on the first $3,000 spent on eligible purchases per month, then 0.2 Qantas Points per $1 thereafter.# |
Common questions - credit cards
Complimentary credit card insurance changes
Your Bankwest Credit Card Insurance will be underwritten by Allied World Assurance Company, arranged through Cover Genius.*
What this may mean for you
Bankwest Platinum Mastercard
Effective 1 October 2026, the following changes apply to eligible Bankwest Platinum Mastercard, excluding Bankwest Platinum Zero Mastercard.
| New benefits added from 1 October 2026 | |
|---|---|
| Overseas Funeral / Cremation / Body Repatriation | Cardholder limit: $15,000 Cardholder and family limit: $30,000 |
| Baggage Delay Expenses | Cardholder limit: $600 Cardholder and family limit: $1,200 |
| Benefits no longer included from 1 October 2026 | |
|---|---|
| Accidental Death | No longer included |
| Extended Warranty | No longer included |
| Purchase Security | No longer included |
| Price Guarantee | No longer included |
| Interstate Flight Inconvenience | No longer included |
| Transit Accident Insurance | No longer included |
Bankwest World Mastercard
Effective 1 October 2026, the following changes apply to eligible Bankwest World Mastercard.
| New benefits added from 1 October 2026 | |
|---|---|
| Overseas Funeral / Cremation / Body Repatriation | Cardholder limit: $15,000 Cardholder and family limit: $30,000 |
| Baggage Delay Expenses | Cardholder limit: $600 Cardholder and family limit: $1,200 |
| Benefits no longer included from 1 October 2026 | |
|---|---|
| Accidental Death | No longer included |
| Extended Warranty | No longer included |
| Purchase Security | No longer included |
| Price Guarantee | No longer included |
| Interstate Flight Inconvenience | No longer included |
| Transit Accident Insurance | No longer included |
How does this impact my travel plans?
Provided you meet the relevant eligibility criteria, your travel and any related claims will be managed by the applicable insurer based on your travel dates.
Covered under the existing travel insurance policy with Cover-More.
- View the current Product Disclosure Statement (PDS): Cover-More Travel Insurance PDS
- Make a claim via the Bankwest App or the Cover-More Claims Portal
- Emergency Assistance (24/7): call +61 2 8907 5615.
If you purchased upgraded travel insurance through Cover-More before 1 October 2026 for overseas travel departing on or after 1 October 2026, you'll continue to be covered under the existing Cover-More policy.
- View the current Product Disclosure Statement (PDS): Cover-More Travel Insurance PDS
- Make a claim via the Bankwest App or the Cover-More Claims Portal
- Emergency Assistance (24/7): call +61 2 8907 5615.
Covered under the new travel insurance policy with Cover Genius.
The new Product Disclosure Statement, Information Booklet, Target Market Determination and details on how to claim will be made available before 1 October 2026.
If you purchased upgraded travel insurance through Cover-More before 1 October 2026 for overseas travel departing on or after 1 October 2026 refer to the information above.
Common questions - insurance
From 1 October 2026 you will no longer have access to these benefits.
If you bought something before this date, your purchase will be covered regardless of when the claimable event occurs.
Things to consider
-
Lending and eligibility criteria, fees and charges apply.
-
Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.
* Insurance
The Contract of Insurance (Group Policy) between Commonwealth Bank of Australia (including its division, Bankwest) and Zurich Australian Insurance Limited ABN 13 000 296 640, AFS License Number 232507 is terminating. Insurance arranged on and after 1 October 2026 will not be issued under this Group Policy.
From 01 October 2026 your card insurances will be provided by Cover Genius Pty Ltd (ABN 43 159 983 598), AFS Licence No. 490058, underwritten by Allied World Assurance Company Ltd (ABN 54 163 304 907).
Cover-More
Insurance is provided by Zurich Australian Insurance Limited, ABN 13 000 296 640, AFS Licence Number 232507 through its agent Cover-More Insurance Services Pty Ltd ABN 95 003 114 145, AFSL 241713 (Cover-More) for Bankwest, a division of Commonwealth Bank of Australia (Bankwest).
Limitations, exclusions (including for pre-existing medical conditions and persons aged 80 years or over) and eligibility criteria apply. You need to upgrade your overseas travel insurance in order to have a comprehensive or extended level of cover. Before acting on this information you should consider the appropriateness of the product with regard to your personal circumstances. See the Credit Card Insurances Product Disclosure Statement and Information booklet (PDF), Credit Card Travel Insurance TMD (PDF) and Financial Services Guide (PDF) for details.
Bankwest and its related bodies corporate do not issue or guarantee this insurance. It does not represent a deposit with or liability of either Bankwest or any of its related bodies corporate. We do not provide any advice on this insurance based on any consideration of your objectives, financial situation or needs. If you purchase an upgrade policy, we (Bankwest) receive a commission which is a percentage of your premium.
Cover Genius
Cover is provided by Cover Genius Pty Ltd (ABN 43 159 983 598), AFS Licence No. 490058, and underwritten by Allied World Assurance Company Ltd (ABN 54 163 304 907).
~ Earning More Rewards points
More Rewards Points are earned in accordance with and subject to the Bankwest More Rewards Terms and Conditions (PDF). Exclusions and limitations 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.
# 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.