Card
Offer
Bankwest Qantas World Mastercard
Public offer
Offer terms
First Year Points
20,000 points
Qantas
Second Year Points
20,000 points
With $320 annual fee
Minimum Spend
$4,000
within 4 months
Ongoing Earn Rate
1.00x points per $1 spent
Fees
First Year Annual Fee
$320
Ongoing Annual Fee
$320
From year 2 onwards
Note: Additional fees may apply for cash advances, foreign transactions, overlimits, and late payments. Check the issuer's terms and conditions for complete fee details.
Benefits
- Digital Wallet Integration
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Digital wallet support in the Bankwest app; start spending instantly without needing a physical card.
- Digital Card Issuance
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Create a single-use or multi-use virtual card in the Bankwest app to make purchases without using your regular card details.
- Online Banking Features
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In-app money tools: view what you owe, get repayment alerts, track transactions/subscriptions/spending, log in with biometrics, lock cards, and get notified of unusual activity.
- Installment Plans
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Easy Instalments: spread the cost of up to five eligible purchases over four monthly instalments at 0% p.a.
- No Annual Fee
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No credit card annual fee when the Bankwest Qantas World Mastercard is held as an eligible card under the Complete Home Loan Package.
- No International Transaction Fee
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No foreign transaction fees for World Mastercard customers (0% foreign transaction fee); no overseas ATM fees charged by Bankwest, though overseas ATM operators may still charge their own fee.
- Interest Free Periods
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Up to 44 days interest free on purchases (not applicable to cash advances or balance transfers).
- Balance Transfer Offers
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2.99% p.a. introductory rate on balance transfers for the first 9 months after card approval (excluding Bankwest Card conversion transfers), reverting to the ongoing 19.99% p.a. rate; no promotional balance transfer fee.
- Travel Insurance
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Complimentary Overseas Travel Insurance for World Mastercard cardholders: overseas emergency medical and hospital expenses unlimited, hospital incidentals up to $15,000, personal liability up to $2,500,000, accidental death $25,000 cardholder plus $25,000 spouse, baggage and personal goods up to $20,000 cardholder-only or $30,000 with family, additional expenses unlimited, cancellation costs up to $15,000 cardholder-only or $20,000 with family. Covers journeys up to 6 consecutive months, extendable to a maximum of 12 months by applying for a paid Upgraded Benefits premium.
- Transit Accident Insurance
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Transit Accident cover for international trips fully paid on the card: from $250,000 up to $500,000 per person depending on the extent of injury; $2,500,000 aggregate limit for one accident.
- Purchase Protection Insurance
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Purchase Security cover for personal goods charged to the card: pays the actual amount charged to card (or market value if purchased through points); $3,000 sub-limit for jewellery, watches and fine arts; $125,000 overall limit in a 12-month period; $250 excess applies.
- Extended Warranty Insurance
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Extended Warranty cover on eligible purchases charged to the card: pays the actual amount charged to card (or market value if purchased through points), up to a $30,000 overall limit in a 12-month period; $250 excess applies.
Benefit history
- Shopping BenefitsRemoved Aug 2026
- Transit Accident InsuranceUpdated Aug 2026
- Extended Warranty InsuranceUpdated Aug 2026
- Purchase Protection InsuranceUpdated Aug 2026
- Travel InsuranceUpdated Aug 2026
- No Annual FeeUpdated Aug 2026
- Interest Free PeriodsUpdated Aug 2026
- Balance Transfer OffersUpdated Aug 2026
- Digital Card IssuanceUpdated Aug 2026
- Digital Wallet IntegrationUpdated Aug 2026
- No International Transaction FeeUpdated Aug 2026
- Online Banking FeaturesRemoved Jul 2026
- Rental Vehicle InsuranceRemoved Jul 2026
- Purchase Protection InsuranceUpdated Jul 2026
- Travel InsuranceUpdated Jul 2026
- Extended Warranty InsuranceUpdated Jul 2026
- Transit Accident InsuranceUpdated Jul 2026
- Balance Transfer OffersUpdated Jul 2026
- Interest Free PeriodsUpdated Jul 2026
- Points Transfer BenefitsRemoved Jul 2026
- Installment PlansUpdated Aug 2026
- Digital Card IssuanceUpdated Jul 2026
- Digital Wallet IntegrationUpdated Jul 2026
- No Foreign Currency Conversion FeeRemoved Jul 2026
- No International Transaction FeeUpdated Jul 2026
- No Annual FeeUpdated Jul 2026
I'd like to use my bonus for:
Craig's AnalysisBonus Difficulty
Easy
●○○$33 per day required
First Year Cost
$320
annual fee
Bonus Value
$100
24,000 points redeemed in Woolworths gift cards
Earn Rate
Excellent
●●●●1.00x Qantas points per $1
Did this help you make a decision?
Can I get this bonus if I've had a card from Bankwest before?
You generally need to wait 24 months after your last Bankwest sign-up bonus before you can earn this one.
See exclusion periods for every Australian issuer →Earn 1 pt/$1 on first $3,000/month then 0.2 pts/$1. Second year bonus of 20k requires keeping account open for 15 continuous months. No foreign transaction fees.
Offer terms history
These are published versions of this offer's terms. Each version preserves the conditions available at that time.
Published 2 Oct 2026
Changes from terms version 4
Changes from terms version 3
Changes from terms version 2
Changes from terms version 1
First recorded terms