Bankwest Qantas Mastercard

Qantas Frequent Flyer credit card

Earn unlimited Qantas Points on eligible purchases, while enjoying travel perks like no foreign transaction fees and complimentary overseas travel insurance.^ †† **

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Earn up to 40,000 bonus Qantas Points

For a limited time with a new Bankwest Qantas Mastercard, spend $4,000 on eligible purchases in the first 4 months and keep your card open for 15 months. T&Cs apply.*

Why you’ll love our Qantas Credit Cards

Earn points as you spend

Earn Qantas Points on eligible purchases and make everyday spending more rewarding.^

Travel benefits

Travel happily with no foreign transaction fees and complimentary overseas travel insurance.†† **

Waived Qantas Frequent Flyer Membership Fee

Qantas will waive the Frequent Flyer membership joining fee, saving you $99.50.^

Up to 44 days interest free

Enjoy up to 44 days interest free on purchases.#

A Qantas Points credit card that rewards your spending

Earn Qantas Points on eligible purchases and enjoy travel-friendly benefits, including no foreign transaction fees and complimentary overseas insurance.^ †† **

Get started

Perks and offers

What you’ll get with our Qantas Credit Cards.

Earn up to 40,000 bonus Qantas Points*
Unlimited points earning potential^
Qantas Platinum Mastercard - 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^
Qantas World Mastercard - 1 Qantas Point per $1 on the first $3,000 spent on eligible purchases per month, then 0.2 Qantas Points per $1 thereafter^
Complimentary overseas travel insurance**

Use your Qantas Points for:

Flights and upgrades with Qantas and partner airlines^
Hotels, holidays and curated travel experiences^
Shop thousands of rewards in Qantas Marketplace^
Request an upgrade on Qantas marketed and operated flights^

Fees and rates

Overview
Fees
Interest rates
Qantas Points

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Bankwest Qantas Platinum Mastercard

Bankwest Qantas World Mastercard

Bankwest Qantas Platinum Mastercard	Bankwest Qantas World Mastercard
Minimum credit limit$1,000	Minimum credit limit$6,000
Annual fee$199	Annual fee$320
Foreign transaction fee0%††	Foreign transaction fee0%††
Ongoing purchase rate19.99% p.a.^^	Ongoing purchase rate19.99% p.a.^^
Interest free periodUp to 44 days#	Interest free periodUp to 44 days#
Introductory balance transfer rate2.99% p.a. for 9 months on balance transfers. New Bankwest Qantas Mastercard customers only. Other fees and charges, T&Cs apply.*	Introductory balance transfer rate2.99% p.a. for 9 months on balance transfers. New Bankwest Qantas Mastercard customers only. Other fees and charges, T&Cs apply.*
Ongoing balance transfer rate19.99% p.a.~~	Ongoing balance transfer rate19.99% p.a.~~
Complimentary overseas travel insuranceIncluded**	Complimentary overseas travel insuranceIncluded**

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Bankwest Qantas Platinum Mastercard

Bankwest Qantas World Mastercard

Bankwest Qantas Platinum Mastercard	Bankwest Qantas World Mastercard
Annual fee$199	Annual fee$320
Foreign transaction fee0%††	Foreign transaction fee0%††
Balance transfer fee0%	Balance transfer fee0%
Cash advance fee3% of transaction amount or $4 (whichever is greater)	Cash advance fee3% of transaction amount or $4 (whichever is greater)
Paper statement fee$1.25 per statement (avoid with eStatements)	Paper statement fee$1.25 per statement (avoid with eStatements)
Late payment admin fee$25 per statement period‡‡‡	Late payment admin fee$25 per statement period‡‡‡

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Bankwest Qantas Platinum Mastercard

Bankwest Qantas World Mastercard

Bankwest Qantas Platinum Mastercard	Bankwest Qantas World Mastercard
Introductory balance transfer rate2.99% p.a. for 9 months on balance transfers. New Bankwest Qantas Mastercard customers only. Other fees and charges, T&Cs apply.*	Introductory balance transfer rate2.99% p.a. for 9 months on balance transfers. New Bankwest Qantas Mastercard customers only. Other fees and charges, T&Cs apply.*
Ongoing balance transfer rate19.99% p.a.~~	Ongoing balance transfer rate19.99% p.a.~~
Ongoing purchase rate19.99% p.a.^^	Ongoing purchase rate19.99% p.a.^^
Cash advance rate21.99% p.a.†	Cash advance rate21.99% p.a.†

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Bankwest Qantas Platinum Mastercard

Bankwest Qantas World Mastercard

Bankwest Qantas Platinum Mastercard	Bankwest Qantas World Mastercard
Bonus pointsEarn up to 40,000 bonus Qantas Points. For a limited time with a new Bankwest Qantas Mastercard, spend $4,000 on eligible purchases in the first 4 months and keep your card open for 15 months. T&Cs apply.*	Bonus pointsEarn up to 40,000 bonus Qantas Points. For a limited time with a new Bankwest Qantas Mastercard, spend $4,000 on eligible purchases in the first 4 months and keep your card open for 15 months. T&C’s apply.*
Points earned0.6 Qantas Points per $1 on the first $2,500 spent on eligible purchases per month, then 0.15 Qantas Points per $1 thereafter.^	Points earned1 Qantas Point per $1 on the first $3,000 spent on eligible purchases per month, then 0.2 Qantas Points per $1 thereafter.^
Points capEarn unlimited Qantas Points^	Points capEarn unlimited Qantas Points^

Other fees may apply so check our fees and charges and read the key facts sheet about our credit cards.

Smarter tools, simpler banking

Download our award‑winning app and start spending instantly. No need for a physical card.

Download the app

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Spend safely with virtual cards

Make purchases without using your regular card details. Create digital cards for one-off or recurring online payments.***

Easy Instalments

Spread the cost of eligible purchases over four monthly instalments and pay 0% p.a.^^^

Learn more

A clearer view of where you spent and what’s upcoming

View what you’ve spent, see upcoming payments and easily track transactions, subscriptions and spending habits.

Fast-acting security

Lock or unlock your card, activate new cards and receive notifications to help keep track of card activity and unusual transactions.

Get started with our award-winning travel credit card

Apply now

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No credit card annual fee as part of a Complete Home Loan

The Bankwest Qantas Mastercard can be included with the Complete Home Loan Package. So, you can take care of day-to-day spending while keeping money in your offset account. Terms and conditions apply.###

No annual fee
Home loan perks

Get started

Check your eligibility

To apply, you must be 18 or older, an Australian citizen or resident, and not already hold a Bankwest Qantas Mastercard.

Ready your documents

You'll need photo ID, employment details, and information about your finances, including income, expenses, assets and debts.

Get started with our award-winning credit card

Apply now

Explore the rest of the line up

[Image: Zero Platinum Mastercard]

Zero Mastercard

No annual fee credit card

No annual fee
18.99% p.a. ongoing purchase rate
Up to 55 days interest free#

Learn more

[Image: Breeze Platinum Mastercard]

Breeze Mastercard

Low rate credit card

Our lowest ongoing purchase rate
12.99% p.a. ongoing purchase rate
Up to 55 days interest free#

Learn more

[Image: More World Mastercard]

More Mastercard

Rewards credit card

Complimentary overseas travel insurance** & 10 lounge passes per year##
14.99% p.a. ongoing purchase rate
Up to 44 days interest free#

Learn more

Earning and using Qantas Points

How do I become a Qantas Frequent Flyer member?

As a Bankwest Qantas Mastercard customer or Bankwest Qantas Transaction Account customer, you are eligible for a complimentary Qantas Frequent Flyer membership, saving you $99.50.

How do I earn Qantas Points with a credit card?

You earn Qantas Points on eligible purchases made with your Bankwest Qantas Mastercard. Points are added to your nominated Qantas Frequent Flyer account each month. Earn rates are:

Qantas Platinum: 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.
Qantas World: 1 Qantas Point per $1 on the first $3,000 spent on eligible purchases per month, then 0.2 Qantas Points per $1 thereafter.

You must be a Qantas Frequent Flyer member to earn points. View the Bankwest Qantas Rewards Terms & Conditions (PDF).

What can I redeem Qantas Points for?

You can redeem Qantas Points for Classic Flight Rewards, flight upgrades, hotels, car hire, wine, entertainment and shopping through Qantas Marketplace. Use your Qantas Points on eligible flights with Qantas, Jetstar and over 30 oneworld member, partner airlines and their affiliates to more than 1,200 destinations globally.

Can I earn Qantas Points on everyday purchases?

You earn Qantas Points on everyday eligible purchases like groceries, fuel and bills. Your points earning potential is unlimited, though the earn rate reduces after your monthly spend threshold (0.15 points per $1 on Platinum, 0.2 points per $1 on World). Some purchases are excluded, so check the Terms & Conditions (PDF).

How do Qantas Points credit cards work?

A Qantas Points credit card earns Qantas Frequent Flyer Points as you spend on eligible purchases. Link your Qantas Frequent Flyer membership and spend on your card. Points are added to your account each month. Earn rates vary by card. See full details in the Terms & Conditions (PDF).

Common questions

How do I make my credit card repayments?

You can make your repayments in the app or online banking. Schedule a repeating payment for a set amount to make this automatic.

You can also call us on 13 17 19 and choose ‘self-service phone banking’ or visit a participating Bank@Post location to make a repayment.

At a minimum, you’ll need to pay off the ‘Minimum payment’ amount specified on your statement plus any ‘Amount Due Immediately’ by the due date to avoid a late payment fee. You can also choose to pay off your entire balance to avoid purchase interest and get your interest free days (if applicable).

Can I transfer my balance from another bank's credit card?

Yes – this is known as a balance transfer. You can transfer any outstanding balance from another bank’s credit card to a Bankwest credit card.

Due to system, process, or any other limitations, we’re unable to process balance transfers from some issuers or billers. If we’re unable to accept the issuer or biller you’ve provided, we’ll let you know that we cannot proceed with your balance transfer request.

Am I eligible for a Bankwest Qantas Mastercard?

You’ll be eligible to apply for a Bankwest Qantas Mastercard if you meet the below criteria:

You’re 18 years or over
You’re an Australian citizen, a permanent or temporary resident
You don’t already have a Bankwest Qantas Mastercard, as we only allow one per customer.

If you’re a temporary resident, make sure your visa type isn’t on our non-acceptable visa (PDF) list.

How do I apply for a Bankwest Qantas Mastercard?

Start your application online now. You’ll need:

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
Info about your income, expenses, assets, loans and other credit cards.

How do I add an additional card holder?

If you have a credit card and you want to add someone else as an additional cardholder, you and the person will both need to fill out and sign the Additional Cardholder(s) Request Form (PDF).

Once you’ve finished, you can send this form to us at:

Cards Services

Reply Paid 8411
Perth BC WA 6849

If the person you want to add as an additional cardholder isn’t already banking with us, we’ll need them to be identified at an Australia Post outlet. See a handy list of ID documents we’ll accept.

Things to consider

There is a limit of one Bankwest Breeze Mastercard, one Bankwest Zero Mastercard, one Bankwest Qantas Mastercard, and one Bankwest More Mastercard per customer.
Rates are subject to change. Other fees and charges may apply. A full list of fees will be outlined in your credit card contract. See the Credit Card Key Facts Sheet (PDF) and visit Terms and Conditions for more information.
Lending and eligibility criteria, fees and charges apply.
Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.
Canstar’s 2025 Outstanding Value awards recognise products offering outstanding value to consumers as part of Canstar’s Star Ratings & Awards. Find more about the awards and categories here.

†† Foreign transaction fees

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 or overseas ATM fees apply for Platinum or World customers. Other fees and charges may apply, including Overseas ATM operator and local non-bank ATM operators may charge a fee.

# Interest free days

You qualify for interest free days on purchases if you pay the closing balance owing (excluding any promotional or introductory balance transfer amount) on your current statement in full by the due date. Section 24 of our Credit Cards Conditions of Use (PDF) further outlines how this interest free period is calculated.

** Complimentary overseas travel insurance

Complimentary overseas travel insurance provides base cover only. Limitations, exclusions, and eligibility criteria apply. See the Complimentary Overseas Travel Insurance Product Disclosure Statement for details.

* Introductory offers

Bankwest Qantas Mastercard introductory balance transfer offer:

Introductory balance transfer rate offer is only available to new Bankwest Qantas Mastercard customers only. Excludes product transfers from existing Bankwest credit cards.

Introductory balance transfer offer:

Introductory balance transfer rate excludes cash advances (rate of 21.99% p.a. applies)
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 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.

Bankwest Qantas Mastercard bonus points offer:

Earn up to 40,000 bonus Qantas Points. Offer only available to eligible new Bankwest Qantas Mastercard customers who:

Both apply for and open (that is, activate the card we issue for) a new Bankwest Qantas Mastercard on or after 1 October 2026.
Have a minimum credit limit of $1,000 for new Bankwest Qantas Platinum Mastercard or a minimum credit limit of $6,000 for new Bankwest Qantas World Mastercard.
Have not held a Bankwest Qantas Mastercard account in the last 36 months.
Open a new Bankwest Qantas Mastercard. Offer is not available to customers who have switched from an existing Bankwest credit card to a Bankwest Qantas Mastercard.

Customers who meet the above criteria will receive the bonus Qantas Points as follows:

Earn 20,000 bonus Qantas Points by spending $4,000 or more on eligible purchases within 4 months from account opening. If the minimum spend requirement is satisfied, your 20,000 bonus Qantas Points will be transferred to your Qantas Frequent Flyer account within 2 months after the minimum spend period has ended.
Earn 20,000 bonus Qantas Points by keeping your account open for 15 continuous months from account opening. If this requirement is satisfied, your 20,000 bonus Qantas Points will be transferred to your Qantas Frequent Flyer account within 2 months of meeting the requirement.
Your card must remain open for bonus Qantas Points to be transferred.

Offer is subject to the Bankwest Qantas Rewards Terms and Conditions and Qantas Frequent Flyer program Terms and Conditions.

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 our Bankwest Qantas Rewards Terms and Conditions.

^ Bankwest Qantas Mastercard - Join and redeem Qantas Points

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.

Redeeming Qantas Points

Qantas Frequent Flyer members only. Other fees and charges apply. The redemption of Qantas Points is subject to the Qantas Frequent Flyer Terms and Conditions.

Classic Flight Rewards are available on Qantas, Jetstar and partner airlines. Seats are subject to capacity controls, availability is limited, and some flights may not have any Classic Flight Rewards available. Taxes, fees and carrier charges are payable to Qantas (excluding any amounts payable to third parties at the airport) by an Accepted Payment Card in addition to the points required on Classic Flight Reward flights. Qantas Points required and taxes, fees and carrier charges are subject to change and quoted at the time of booking. For more information, visit Classic Flight Rewards.

Classic Hotel Rewards can only be redeemed using Qantas Points and do not earn Qantas Points. Minimum night stays and blackout dates may apply. Visit Qantas for Terms and Conditions.

Delivery charges may apply on Qantas Marketplace orders. Visit Qantas Marketplace Terms and Conditions.

Classic Flight Rewards & Classic Upgrade Rewards

Classic Upgrade Rewards are available on Classic Flight Rewards in Economy and Premium Economy, Classic Plus Flight Rewards in Economy and Premium Economy, eligible paid and confirmed Qantas domestic and international flights with a Qantas (QF) flight number on your ticket, and from time to time on codeshare flights operated by another carrier that have a QF flight number on your ticket. Classic Upgrade Rewards are subject to capacity controls and availability is limited. Classic Upgrade Rewards are not available from all fare types. See Classic Upgrade Reward tables for details.

Hotel and Holidays

Members will not be able to redeem points for, or earn points on, additional charges paid to the accommodation provider for extras (including cots, breakfasts and other incidentals) on check-in or check-out (as applicable). Cancellation and refund policies and conditions differ for each hotel, check at the time of booking. View full terms and conditions. Points Plus Pay: Points Plus Pay allows you to choose the number of Qantas Points you redeem above the specified minimum level of 2,000 and pay for the remainder of the booking value with an Accepted Payment Card (including VISA, MasterCard or American Express). Points Plus Pay is not available for Classic Hotel Rewards. Classic Hotel Rewards: Minimum night stays and blackout dates may apply. Qantas Points cannot be earned on Classic Hotel Rewards. A Classic Hotel Reward must be booked using Qantas Points only.

^^ The ongoing purchase interest rate

The ongoing purchase interest rate is the rate that applies to purchases after any applicable introductory period finishes.

~~ The ongoing balance transfer rate

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

### Complete Home Loan Package

No credit card annual fee applies when the card is taken out as an eligible card with the Complete Home Loan Package. Package consists of an eligible home loan, one optional eligible credit card per customer and up to nine optional Offset Transaction Accounts per loan. The Complete Home Loan Package is closed when all home loans included in the package are closed. Under the package, only one optional Bankwest Qantas Mastercard, Bankwest More Mastercard or Breeze Mastercard account is allowed per customer. Minimum credit limit is $1,000 for the Bankwest Qantas Platinum Mastercard and Breeze Platinum Mastercard, and $6,000 for the Bankwest More World Mastercard and Bankwest Qantas World Mastercard.

^^^ Easy Instalments

Lending criteria, fees and charges apply. Terms and conditions apply and are available on request. Available on eligible purchases between $100 and $10,000. Cash advances, gambling transactions, balance transfers, purchases on a promotional offer and purchases made more than 30 days prior aren’t eligible. You won't be able to apply for an Easy Instalments plan if you don't meet our eligibility criteria (e.g. if you've exceeded your limit or if you're in default). When you apply for an Easy Instalments plan, you are requesting an amendment to your allocation of payments in accordance with clause 6. of the Easy Instalments Terms and Conditions. To apply payments in this order may mean that other balances that attract a higher interest rate may be repaid later which may result in you paying higher interest charges.

† Cash advance rate

Cash advance rate applies to online transfers and using your credit card to withdraw cash.

‡‡‡ Late payment admin fee

When the minimum payment is not processed by the due date. This includes any amount shown on your card account statement as 'amount due immediately'.

~ Earning More Rewards Points

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 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.

Annual bonus points will not be available to Account Holders who open a Card Account after 31 July 2023. See Bankwest More Rewards Terms and Conditions (PDF) for more information.

*** Virtual cards

Eligibility criteria apply. Virtual cards are available, subject to your account meeting the requirements, for Easy Transaction Accounts, Offset Transaction Accounts, Retirement Advantage Accounts and all retail credit cards (where lending criteria apply). See the Account Access Conditions of Use or Terms and Conditions relevant to your product.

## Complimentary lounge passes

To gain access to participating airport lounges, you must register your Bankwest More World Mastercard on the Mastercard Travel Pass website or app, generate a membership QR code and present this along with your boarding pass for validation. More World Mastercard customers receive ten complimentary lounge visits every year, per account, each visit can be used by either the primary cardholder or guest. Guest must always be accompanied by the primary cardholder and cannot use the access on their own. Please note, your lounge access may be blocked if your account is closed, in arrears, reported lost or stolen, or has been blocked by us for any reason.

To redeem an offer visit the Mastercard Travel Pass website or app, select your preferred offer and generate an offer QR code. Present the valid offer QR code to the cashier and redeem the offer. Please note, offers vary by location. Visit Mastercard Travel Pass website for information on accessing lounges, offer locations, a full list of Terms and Conditions and Frequently Asked Questions. Please review Mastercard Travel Pass Terms & Conditions before you make your first lounge visit.

Important documents

Complimentary Overseas Travel Insurance Product Disclosure Statement

Credit Cards Conditions of Use (PDF)

Credit Card Account Access Conditions of Use (PDF)

Credit Card Key Facts Sheet (PDF)

Bankwest Qantas Rewards Terms and Conditions (PDF)

Company

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Bankwest acknowledges the Traditional Owners of the lands across Australia as the continuing custodians of Country and Culture. We pay our respect to First Nations peoples and their Elders, past and present.

Access the Terms of Use, Financial Services Guide and Target Market Determinations. Any advice given does not consider your objectives, financial situation or needs. Please consider the Product Disclosure Statement (PDS) and whether it is appropriate for you. Images for illustrative purposes only.

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Source: https://mastercardtravelpass.dragonpass.com/terms-and-conditions

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Terms and Conditions

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DRAGONPASS Terms and Conditions

1. General

1.1. Welcome to DragonPass International Ltd ("DragonPass") Terms & Conditions ("Terms & Conditions") page.

1.2. The Services (as defined below) are provided by DragonPass International Ltd, located at Charter House, Woodlands Rd, Altrincham, WA14 1HF.

1.3. When you read these Terms & Conditions, please note that the terms “you”, “your” and “User(s)” refer to the person(s) named on the Card(s). The terms “we”, “our”, “us” and “DragonPass” refer to DragonPass International Ltd and its successors and assigns. If you are the individual requesting us to issue the Card(s) to you, you will be known as the “DragonPass Member” and you will have an account with us called the “Card Account”.

1.4. By using our Services, you are agreeing to these Terms, as well as our Privacy Policy (accessible at https://mastercardtravelpass.dragonpass.com/privacy-policy ) and Terms of Use (accessible at https://mastercardtravelpass.dragonpass.com/terms-of-use ), all of which will constitute a binding contract between DragonPass and you when you use any of our Services . Accordingly, please review them before using any of our Services, and in the event that you do not agree with any provision(s) therein, please do not use (or please discontinue to use, as the case maybe) our Services (however in such an event, no refund of any kind will be provided to you).

2. PROGRAM DETAILS

2.1. “Mastercard”, a payment technology company, has granted DragonPass the right to develop an app and website ‘Mastercard Travel Pass’ for the benefit of Mastercard premium cardholders to enjoy airport benefits such as lounges.

2.2. The ‘Mastercard Travel Pass’ app (“app” or “DragonPass Mastercard App”) is available in certain markets on selected Mastercard branded payment products as a core benefit and/or available in countries/products where the Issuing bank or “Issuer” has entered into an agreement with Mastercard to offer Mastercard branded cardholders with airport benefits (in general, “program”) such as lounge access benefits, dining discounts, etc. (each a “product module”) under their specific programs made available to their respective cardholders . Product modules available to cardholders is subject to availability under the specific program applicable to the cardholder. One such specific program available to eligible cardholders is the Spend Based Rewards promotion which is further described in Section 16 below.

2.3. This program can be availed by all cardholders holding a premium Mastercard card and/or those cardholders whose Issuing banks have entered into an agreement with Mastercard to offer Mastercard benefits to their cardholders. To determine eligibility, cardholder needs to check with their Issuing bank.

2.4. Based on the type of Mastercard branded payment card and its country of issuance, certain fees and charges may apply to the cardholder. These charges may be changed by Mastercard at any time in its discretion without notice.

2.5. Mastercard benefits are available for the cardholder only. Guests are not included (except for the Mastercard World Elite card where cardholder can take 1 guest per visit into the airport lounges).

2.6. Primary and Supplementary cardholders both need to individually register and show their individual DragonPass membership IDs at the airport lounge in order to gain access and avoid being charged as a guest. The access of Supplementary cardholders depends on the terms and conditions of your particular Issuer and Mastercard payment product, and some Supplementary cardholders may be required to bear the cost of the benefits in their personal capacity.

2.7. Cardholder is responsible to check all terms, app messages, receipts, and charges (electronic and/or physical) for accuracy before accepting as fees may be charged.

2.8. Additional guest charges (if any) will be applied to the primary and/or secondary cardholder (and where not possible to the Issuing bank).

2.9. Any queries or complaints need to be sent to the Issuer who will forward this to Mastercard for resolution.

3. Definition

3.1. In this Terms & Conditions:

3.1.1. DragonPass Membership Card means any membership card bearing the name DragonPass and/or the service mark of DragonPass issued by us pursuant to these Terms & Conditions and any substitution, replacements or renewals thereof.

3.1.2. Standard Lounge Access means lounge services at airports and railway stations, which includes but is not limited to supply of food & beverages, access to the Internet, newspaper & magazines and usage of VIP rooms at the said lounges, for DragonPass Members.

3.1.3. Dining Offers means discounts, offers, promotions, and privileges offered at participating merchants’ food and beverages outlets for DragonPass Members.

3.1.4. Dining Coupon refers to the mode of payment services available on the app for purchases made at participating merchant outlets.

3.1.5. Transport Services means but is not limited to Airport transfers, Chauffeur services and other Transport services which are offered to DragonPass Members through the DragonPass website or app.

3.1.6. Fast Track refers to services that allows access through the airport security fast track lane.

3.1.7. Participating merchant outlets refer to third party services and facilities providers (including without limitation, airport lounge operators, security fast track providers, restaurants and spas) taking part in the program and providing their services and products thereunder. For the avoidance of doubt, participating merchant outlets are not subcontractors, agents or representatives of DragonPass, Mastercard or Issuers, nor are they under the supervision or control of DragonPass, Mastercard or Issuers, as such you agree that neither DragonPass, Mastercard nor any Issuers bear any responsibility or liability for the acts or omissions or the quality (or any other aspect) of the services or products of participating merchant outlets.

3.1.8. Participating merchants refer to the third-party operators and providers of the participating merchant outlets.

3.1.9. Voucher refers to the cash value voucher DragonPass members can use for purchasing specified service through the DragonPass app.

3.1.10. ‘MPV’ refers to a Multi-Purpose Voucher that allows DragonPass Members to redeem lounge entitlements at select dining locations."

3.1.11. ‘Costa’ refers to Costa Limited trading as Costa Coffee.

4. DragonPass Service

4.1. We provide the following services ("Services") to DragonPass Members:

4.1.1. Standard Lounge Access

4.1.2. Dining Discount

4.1.3. Dining Promotions

4.1.4. Dining Coupon

4.1.5. Transport Service

4.1.6. Airport Security Fast Track

4.1.7 Multi-Purpose Vouchers; and

4.1.8 Costa Vouchers.

5. Registration of DragonPass Account

5.1. You are obliged to provide complete and truthful information at all times during registration.

5.2. To register for a Card Account and access the Services, you need to be 18 or older, have the power to enter a binding contract with us and not be barred from doing so under any applicable laws. You also promise that any registration information that you submit to DragonPass is true, accurate, and complete, and you agree to keep it that way at all times

5.3. DragonPass has the right to suspend or terminate your Card Account at its sole discretion with no refund, extension of membership duration, or compensation of any kind, if information provided is considered by DragonPass to be false, incorrect and/or incomplete.

5.4. You are solely responsible to maintain your Card Account information.

5.5. Neither Mastercard nor DragonPass nor any Issuers will be held responsible if your Card Account is terminated due to your account information not being updated.

5.6. You are not allowed to transfer DragonPass membership for registration that is given by Issuers. You can request to terminate your DragonPass membership via the account section on the Mastercard Travel Pass website or application, or by contacting your issuer.

5.7 Notwithstanding any other provisions in these Terms & Conditions, DragonPass has no responsibility to verify if any instructions, request or transaction received by DragonPass via your Card Account is in actuality made or authorized by you, and therefore you undertake to remain fully liable for all acts, omissions and/or transactions made via your Card Account.

5.8 You can at any time choose to delete your Card Account in-app or via our website at [https://mastercardtravelpass.dragonpass.com/delete/account], however, thereafter deletion, you will no longer be able to access any of our Services, we will not be able to fulfill any transactions that you have submitted to us (even if payment has already been made), and no refunds or other compensation of any kind will be provided to you.

6. DragonPass Service regulation

6.1. Standard Lounge Access

6.1.1. DragonPass membership is not transferable and is only valid up to its date of expiry. The membership may not be used by any person other than the named cardholder.

6.1.2. You are required to display your digital DragonPass Membership Card to enjoy your lounge service. List of lounges (each a “Lounge”) are available on DragonPass website and application.

6.1.3. All purchased Lounge visits can be used until the DragonPass membership is expired.

6.1.4. All unused Single Lounge access that are purchased can be refunded anytime by cancelling order within DragonPass application.

6.1.5. Your guests are required to be on the same flight to enjoy Lounge access using the same DragonPass membership.

6.1.6. Lounge service will be free of charge for children below 2 years old. For children, above 2 years old, standard charges apply.

6.1.7. DragonPass may amend the Lounge visit charges from time to time and the latest charge listed on DragonPass website and application shall prevail.

6.1.8. Lounge maximum stay time varies by Lounge. Once the stay period (usually 2 hours) has lapsed, then you will need to re-register your entry at the Lounge reception. It is your responsibility to check maximum stay time and relevant T&C’s applicable of a specific Lounge before entering.

6.1.9. Availability of Lounge services are subject to the capacity of Lounge operators and may not be available in the event of high traffic caused by flight or train delays or other reasons outside of DragonPass’ control.

6.1.10. DragonPass will not be liable for any of your loss or other consequences caused by missing of flights or flight delay due to use of Lounge service(s).

6.1.11. You will be liable for any damage to the Lounge operator caused by your action while using the lounge service.

6.1.12. You can request to terminate your DragonPass membership or cancel Lounge service visit by calling our customer hotline or your Issuer and the appropriate staff will be assigned to assist you.

6.1.13. Lounges may be added or removed without notice. The latest list of Lounges is displayed within the DragonPass app.

6.1.14. You may elect to pre-book certain participating lounges through the Program by using the Mastercard Travel Pass App or website. Should you choose to do so, you can either pay for each visit or use a complimentary lounge visit plus a pre-booking fee for each person you book for, including yourself. Pre-bookings must be made by the relevant enrolled Cardholder and the enrolled Cardholder needs to be in attendance in order for the pre-booking to be fulfilled. A lounge will not be obligated to fulfil any pre-booking in the absence of the enrolled Cardholder. Cardholders may not resell or transfer any booking (in whole or in part) to any third party. You can pre-book up to 6 (six) guests, including yourself. All pre-bookings and cancellations must be made at a minimum of 48 (forty-eight) hours in advance of your scheduled arrival date and time. If the Cardholder arrives earlier than their pre-booked time, the lounge may refuse entry until your scheduled time on the booking. If you are late for your booking, the lounge will allow you entry to the lounge for up to 1 (one) hour after the pre-booking time. In the event of a no-show, you will not be eligible for a refund for any part of the booking. Pre-booking availability and fulfilment is subject to the DragonPass Terms of Use and Terms of Service. DragonPass will not be held liable for any non-fulfilment of any pre-booking that does not comply with these Terms and Conditions, the above-mentioned Terms of Use and/or Terms of Service.

6.2. Dining Discounts

6.2.1. All offers, privileges and/or promotions under the program are open to all DragonPass Mastercard Travel Pass members unless otherwise stated.

6.2.2. To enjoy the offers, please present your digital DragonPass Membership Card or pdf eCertificate (eCert) print out. List of participating merchant outlets are available on DragonPass Mastercard App and website.

6.2.3. All offers, privileges and/or promotions are subject to availability and while-stocks-last basis.

6.2.4. All offers, privileges or discounts listed may be subject to prevailing government taxes and services charges, where applicable.

6.2.5. All offers, entitlements, discounts, vouchers and privileges are not exchangeable for cash, credit or other goods and services and are non-transferable.

6.2.6. Please present your digital DragonPass Membership Card prior to ordering or making payment.

6.2.7. DragonPass and its participating merchant outlets reserve the right to replace the complimentary gift or item (with an item of similar value) if it is unavailable at the time of purchase/confirmation of order, where applicable, without prior notice to members.

6.2.8. All offers, privileges or discounts listed are subject to participating merchants’ terms and conditions

6.2.9. Participating merchants reserve the right to amend the terms and conditions governing the offers, privileges and/or promotions at any time without prior notice.

6.2.10. Goods and/or services (including any complimentary gifts) are provided solely by the participating merchants, under such terms and conditions as determined by such participating merchants, DragonPass makes no warranty or representation as to the quality, merchantability or fitness for purpose of the participating merchant's goods and services (including any complimentary gifts).

6.2.11. All dispute or feedback in relation to the participating merchants and/or their goods and services should be directed to the relevant merchant and shall be resolved directly between the Cardholder and the participating merchant. However, for the avoidance of doubt, Cardholder’s entitlement to benefits such as dining discounts, vouchers, etc., as reflected in Cardholder’s DragonPass account is correct, as such, please do not dispute with the participating merchant regarding your DragonPass membership’s entitlements as they will not be able to assist in this regard.6.2.12. DragonPass’s decision on all matters relating to the offers, privileges and/or promotions are final and binding and no further correspondence will be entertained.

6.2.12. DragonPass reserves the right to amend, revoke, vary or add to the terms and conditions of any promotion or terminate any promotion or any of its governing terms in its absolute discretion at any time without any liability.

6.3. Dining coupon

6.3.1. You are required to be physically present and your DragonPass membership must be verified by the restaurant staff in order to use the restaurant dining coupon.

6.3.2. Dining coupon(s) can only be used at participating merchants’ restaurants within the DragonPass network. The list (as updated by DragonPass in its sole discretion from time to time) of participating merchants’ restaurants in DragonPass website and app shall prevail.

6.4. Transport Service

6.4.1. All Transport services are required to be reserved 48 hours in advance of scheduled service time via DragonPass Mastercard App.

6.4.2. Transport services must be reserved solely for the Member’s personal use. Booking on behalf of others is not permitted.

6.4.3. There may be a 20% surcharge for all Transport service booked between 23:00 to 06:00.

6.4.4. Cancellation of Service can be done via the app by going to Profile > Order History > Select your booking > Cancel Booking.

6.4.5. Any cancellation or change to the timing for Transport service are required to be made 24 hours in advance of scheduled service time, otherwise no refunds will be provided.

6.4.6. Refunds for any validly cancelled Transport service reservation will be issued based on the payment method you have used and will take up to an estimated 7 to 14 business days.

6.4.7. No additional pick up and drop off points are allowed for all Transport services. Your booking covers the address and airport you select in your booking only. Any requests to add another stop will be denied.

6.4.8. Ensure you enter the correct number of passengers and luggage, as this will determine your car size. Any extra persons or luggage may not be permitted in the vehicle.

6.4.9. Waiting time for Transport service as per below:

6.4.9.1. Pick Up from the airport: Your driver will wait at arrivals hall for 60 minutes from specified pick up time. If you fail to meet the driver within the 60mins waiting time, the Transport service will be cancelled and no refund will be given.

6.4.9.2. Drop Off at the airport: Your driver will wait for 15 minutes at your specified city address from your pick up time. If you fail to meet the driver within the waiting time, the Transport service will be cancelled and no refund will be given.

6.4.10. Extra mileage charges, baby seats, holiday surcharges and special event price may be applicable, which vary from location to location.

6.4.11. DragonPass is not responsible for passenger(s) arriving late to the airport which results in denied check in or boarding the aircraft.

6.4.12. DragonPass will not be liable for items left in vehicles, traffic delays, mechanical problems, weather, etc. DragonPass Member utilising the Transport service is fully responsible for taking care of his/her belongings.

6.4.13. No smoking, or storing and consuming of illegal drugs, are allowed in Transport vehicles at all times. Failing this, you shall be fully liable for any legal sanctions imposed by applicable law, as well as any fines, penalties, damages, losses or costs that may be suffered by the Transport driver and DragonPass due to breach of the foregoing by the DragonPass Member.

6.4.14. The driver is responsible for the safety of the vehicle, and compliance with all applicable laws, regulations, and guidelines (including but not limited to road safety requirements). If the DragonPass Member’s (or his/her guests’ or companions’) conduct is potentially in breach of any laws or statutory regulations, or causes potential safety issues, or may potentially cause damage to the vehicle, the Transport driver shall be fully authorised to remove the DragonPass Member (and his/her guests’ or companions’) from the vehicle immediately, and no refund will be provided. The DragonPass Member will be fully liable for any damage caused to the vehicle, any damage caused to any third party’s vehicles or other property, as well as any injuries suffered by the driver or any other third parties, due to the DragonPass Member’s (or his/her guests’ or companions’) conduct.

6.4.15. DragonPass reserves the rights to adjust the mileage & price, remove location or add on new locations to the list from time to time without prior notice to customers.

6.5. Fast Track Security

6.5.1. Conditions

6.5.1.1. Please print your Fast Track security lane confirmation prior to arrival at the Airport, or have the Fast Track Security confirmation available on a mobile device/phone upon arrival.

6.5.1.2. At some airports you may be required to present your boarding card and Fast Track confirmation to a member of staff at the security access gate to gain entry to Fast Track.

6.5.1.3. At some airports you will be requested to scan your barcode at the Fast Track security access gate. Upon successfully scanning, you'll be requested to scan your boarding card in order to gain access to the Fast Track security lane.

6.5.1.4. For Fast Track access, please scan your barcode at the eGate screen to access the lane or alternatively, show your booking on the eTicket/QR code or confirmation email to a member of staff at the security gate to the security lane.

6.5.1.5. Your Fast Track security lane is valid for one use only and only on the date and time of travel you selected. For Fast Track access you must make a booking for each passenger you are travelling with as the number of passengers you make a booking for will be reflected in your booking, eTickets/QR code and confirmation email. The airport Fast Track security lane will not be able to permit access to any additional passengers on the day.

6.5.1.6. The Fast Track security lane allows you entry to a separate channel into the security screening area. Once you have proceeded through the Fast Track lane and entered the security search area, you are subject to the same rigorous security checks that all passengers must undertake. The same restrictions apply to items prohibited in your hand luggage and on the size and type of liquids you are allowed to carry.

6.5.1.7. The airport and DragonPass does not guarantee availability of the Fast Track or a maximum or minimum queue length or time, or that the Fast Track queue time will be less than the standard lanes. Regardless of whether you purchase Fast Track, all passengers are subject to the same security procedures and regulations and we therefore recommend that you allow enough time for the standard security and x-ray screening.

6.5.1.8. The airport and DragonPass shall not be responsible for any passengers who miss their flight because they did not allow enough time to go through the check-in and security process.

6.5.1.9. Use of the Fast Track Security Lane does not guarantee entry to the departure lounge. All applicable security procedures, rules and regulations apply to their full extent and such access will be governed strictly in accordance therewith.

6.5.1.10. We and our participating merchants for Fast Track service are only supplying you with the Fast Track services per se (pursuant to the contract as described in Sub-Clause 6.5.2.4 below) and will not be responsible for any costs, compensation costs or expenses relating to any flights or other services that you may have arranged. You are responsible for ensuring that you allow sufficient time for car parking, transfer to terminal, airport procedures (including but not limited to checking-in and security) and any subsequent flight/travel arrangements.

6.5.1.11. The Airport and its servants and agents reserve the right to refuse admittance to the Fast Track security lane (as applicable).

6.5.1.12. All personal data that is collected as part of the booking process is used in accordance with our Privacy Policy.

6.5.2. Bookings

6.5.2.1. Bookings can be made by persons aged 18 years or over. The cardholder’s permission must be granted if under the age of 18.

6.5.2.2. To place a booking for passage through the Airport Security Fast Track lanes you will need to complete the online booking process in app or on the website.

6.5.2.3. As part of the booking process you will need to submit the following details: the airport and departure terminal for the service, date and time slot that you wish to use the Fast Track security lane, and the number of Fast Track passengers. Please take the time to read and check your order at each page of the booking process. You will then be asked to submit your payment information and confirm your order.

6.5.2.4. You are entering into a contract with the relevant Airport for passage through the Fast Track security lane in that airport, as described on the website or app for the dates and times confirmed in the online booking process and set out in your booking confirmation. The date of the contract is the date of confirmation of the booking by email and in app.

6.5.2.5. All Fast Track bookings are subject to availability and the airport reserves the right to withdraw availability at its entire discretion for a given date.

6.5.2.6. You must not resell or transfer any booking (in whole or in part).

6.5.2.7. The price you pay is the price accepted and confirmed to you during the online booking process (whether billed to you upon your booking or within 6 months thereafter). All prices are in the currency appropriate for the airport location (either EUR, GBP or USD) and includes Value Added Tax and all applicable taxes. The booking is valid for a single passage through the Fast Track security lane for the date you have booked.

6.6. MULTI-PURPOSE VOUCHERS

6.6.1 Multi-Purpose Vouchers (“MPV”) is a product designed to offer Cardholders greater flexibility by allowing them to redeem lounge entitlements at select dining locations.

6.6.2 By redeeming lounge entitlements at dining locations, Cardholders can still enjoy premium benefits in airports with limited or no lounge presence.

6.6.3 Cardholders are entitled to exchange their lounge entitlement for a dining voucher, which can be used at select restaurants within the airport network, by following these steps:

6.6.3.1 Open the app and click on Dining Module;

6.6.3.2 If MPV offers are available, they will appear in the Dining List;

6.6.3.3 Click on the MPV that you would like to redeem;

6.6.3.4 You will be able to view the MPV details including the value and currency;

6.6.3.5 Click on Redeem Offer and a QR code will be generated for that offer that uses a lounge entitlement;

6.6.3.6 You will then receive this offer in the applicable restaurant.

6.6.4 Once an MPV has been redeemed, the fair usage rule will be applicable and you will not be allowed to redeem another lounge benefit for 2 (two) hours.

6.6.5 The MPV product is subject to availability and is only available at select dining locations.

6.6.6 In addition to the above, all terms and conditions applicable to Dining shall also be applicable to MPV.

6.7 COSTA VOUCHERS

6.7.1 Costa Vouchers are a product designed to allow Cardholders to use their lounge entitlement to redeem a meal at select Costa locations as a lounge alternative.

6.7.2 Much like MPV, this product allows Cardholders to continue to enjoy premium benefits in airports with limited or no lounge presence.

6.7.3 Cardholders are entitled to exchange their lounge entitlement for a Costa Voucher, which can be used at select Costa locations within the airport network, by following these steps:

6.7.3.1 Open the app and click on Costa Module;

6.7.3.2 If Costa offers are available, they will appear in the appropriate list;
6.7.3.3 Click on the Costa Voucher that you would like to redeem;

6.7.3.4 You will be able to view the Costa Voucher details including the value and currency;

6.7.3.5 Click on Redeem Offer and a QR code will be generated for that offer that uses a lounge entitlement;

6.7.3.6 You will then receive this offer in the applicable Costa location.

6.7.4 Once a Costa Voucher has been redeemed, the fair usage rule will be applicable and you will not be allowed to redeem another lounge benefit for 2 (two) hours.

6.7.5 The Costa Voucher product is subject to availability and is only available at select Costa locations.

6.7.6 In addition to the above, all terms and conditions applicable to Dining shall also be applicable to Costa Vouchers.

7. Payments

7.1.Payment must be made online or when billed which can be up to 6 months after purchase of a lounge access. Payment may be made using eligible entitlements or the Mastercard branded card registered against your Card Account. We reserve the right not to fulfil your booking if your card is declined for any reason or if the payment card has been used fraudulently.

7.2. When you have completed your Fast Track booking after having provided all the necessary details, the eTicket/QR code will be available in app and we will send you email confirmation of your booking. Website bookings will receive an email confirmation only. You are responsible for supplying a valid email address and we cannot be held responsible for non-delivery due to transmission failure or an incorrect address details provided by you.

7.3. Slots cannot be booked and re-sold. The cardholder making the booking must be travelling.

8. Cancellations and Refunds

8.1. Cancellations are subject to the terms and conditions of the airport and your booking.

8.2. If an amendment is required, you must cancel the existing booking and then create a new booking.

8.3. Where cancellations are permitted a refund will be automatically issued, with either entitlements being reinstated to your account or payment being returned to your Card Account. The refund payment may take between 7 and 15 working days to appear in your Card Account.

8.4. No refund will be given for any Fast Track security lane eTickets/QR codes left un-used.

8.5. We reserve the right (if prevented from supplying the Fast Track security lane service for any reason) to cancel the booking. We will attempt to provide as much notice as is possible. Where this is not possible, we will cancel the booking, and will refund the payment received in respect of the booking to the card used for payment, but will not be responsible for any other costs (nor any consequences), which you may incur as a result.

8.6. Where you make more than one booking for the Fast Track Security product on one travel date, the booking will automatically be cancelled and we will not have capacity to honor your booking when you arrive at the Airport. Without a booking you will be re-directed to the turn-up line to queue separately for the standard security lane.

8.7. We do not accept liability for any failure by us to perform our obligations due to an event beyond our reasonable control. A non-exhaustive list of such events includes war or threat of war, riots, civil strife, terrorist threats or activity, industrial disputes, natural and nuclear disaster, fire, adverse weather conditions, government regulations, crown instruction, closure or congestion of airports, and/or cancellation or changes of schedules by airlines.

9. DragonPass rights for amendment

9.1.DragonPass reserves the rights to amend these Terms & Conditions (including any provisions pertaining to any specific programs such as, but not limited to, the Mastercard Lounge Rewards program) at any time without notice to you. The updated Terms & Conditions will be uploaded on DragonPass website and App and it is your duty to check them regularly to ensure that you agree to comply with them.

9.2. If you do not agree with these Terms & Conditions, you may stop using our Services (however, no refund of any kind will be provided). Once you continue to use any of our Services, it means that you have agreed with all the Terms & Conditions.

9.3. For more detailed information of the Service Regulations and privacy policy, please visit DragonPass official website: http://en.dragonpass.com.cn

10. Liability for Breach of Contract

10.1. By accessing the DragonPass website or app, you have agreed to safeguard the interests of DragonPass, Mastercard and other users. If you are found to be in breach of any law, rules or these Terms & Conditions that causes damage or loss to DragonPass, Mastercard or any third party, you will be solely and fully liable for all damage and loss caused.

10.2. If you suffer any loss due to service disruption by DragonPass, DragonPass will only be liable for any direct loss caused by service disruption, subject to the limitation of liability thereunder Section 11.

11. Limitation of Liability

11.1. In no event will DragonPass or Mastercard or any Issuers be liable for any direct, indirect, special, punitive, exemplary, or consequential losses or damages of whatsoever kind arising out of your use of or access to our Services, including loss of profit or the like whether or not in the contemplation of the parties or whether based on breach of contract, tort (including negligence), product liability, or otherwise.

11.2. The entire liability of DragonPass, Mastercard, and Issuers in aggregate, and your exclusive remedy with respect any claims related to the Services, associated products, facilities or otherwise, is re-performance of defective Services. In jurisdiction which do not allow the exclusion or limitation of certain types of liability, our liability will be limited to the maximum extent permitted by law. We do not endorse, warrant or guarantee any material, produce or service offered through us or our Services. We are not and will not be a party to any transaction between you and any third party (including without limitation between you and the airport lounge operator during your use of the lounge, as our Services simply procures for you access to such lounge but we do not provide the lounge itself).

11.3 Without prejudice and subject to Clause 11.3 (which shall take precedence unless applicable law does not permit its application whether in whole or in part), under no circumstances howsoever arising related to the Services or these Terms & Conditions, their performance or any omissions, shall the aggregate liability of DragonPass and Mastercard exceed One Hundred US Dollars (USD100)

11.4 For the avoidance of doubt, DragonPass and Mastercard are not liable to you for any damage or alteration to your equipment including but not limited to computer equipment, handheld devices, or mobile telephones, as a result of the installation or use of the DragonPass Mastercard App.

11.5. Nothing in these Terms & Conditions shall exclude or limit DragonPass’s liability for death or personal injury caused by DragonPas’s negligence or fraud or fraudulent misrepresentation or any other liability which cannot be excluded or limited under the applicable law.

12. Acceptable Use Policy

12.1.You must abide to the law of England and Wales when using DragonPass’s Services. You agree not engage in any illegal activities which includes but are not limited to:

12.1.1. Inciting racial hatred

12.1.2. Spreading of cult or false religion

12.1.3. Spreading of rumour that may destabilise the society

12.1.4. Spreading of pornography, violence and gambling

12.1.5. Spreading of content that humiliates or harms others

12.1.6. Altering or deleting DragonPass information without permission

12.1.7. Cloning, copying, disseminating, circulating, selling or reselling DragonPass service to others commercially.

13. Termination

13.1. DragonPass may terminate use of the service at any time by giving notice of termination to you.

13.2. Upon any termination:

13.2.1. The rights and licenses granted to you herein shall terminate; and

13.2.2. You must cease all use of the app and any other related software.

14. Privacy

14.1. Each User consents to the use of their name, telephone number, email address and any other information provided by such User in the app (“Personal Data”). Mastercard and DragonPass consider themselves joint data controllers in the light of the applicable privacy laws, and each company shall be individually responsible to assure the regularity of their respective Personal Data processing activities. DragonPass will use Personal Data to provide the Services and agrees to take primary responsibility under the privacy laws for the processing of Personal Data pursuant to its provision of the Services. Each User authorizes DragonPass to send, transmit and store such Personal Data outside your territory. The use of Personal Data for the provision of the Services will be regulated by DragonPass’ Privacy Policy.

14.2 We hold card expiry date for the purpose of notifying a User when their payment card is close to expiry and requires an update in order for product and services to be provided.

15. Governing Law and Jurisdiction

15.1. These Terms & Conditions shall be governed by the laws of the United Kingdom. You agree to submit to the exclusive jurisdiction of the United Kingdom courts.

16. Mastercard Lounge Rewards

16.1 Mastercard Lounge Rewards is a specific program exclusively available to holders of Mastercard branded payment cards (“cardholders”) enrolled in both the Mastercard Travel Pass program and the Mastercard Lounge Rewards program, and whose issuing banks have entered into an agreement with Mastercard to offer this lounge benefit to their cardholders. To determine eligibility, cardholders need to check with their payment card’s issuing bank.

16.2 Please check the Mastercard Lounge Rewards FAQs found at [https://mastercardtravelpass.dragonpass.com/faq ] for further information.

16.3 In the event that you are a cardholder participating in the Mastercard Lounge Rewards , the provisions hereunder this Section 16 shall also apply to you, in addition to the above sections hereunder these Terms of Use, the Privacy Policy, the Terms and Conditions – MTP, and the Mastercard Lounge Rewards FAQs, accessible respectively at [Terms of Use], [Privacy Policy] and [FAQs]. In case of any inconsistency or conflict with any provisions thereto, the provisions of the Privacy Policy shall prevail, followed by this Section 16 with regards to any matters pertaining to the Mastercard Lounge Rewards, the Terms of Use – MTP, and the Mastercard Lounge Rewards FAQs.

16.4 For the avoidance of doubt, by participating in the Mastercard Lounge Rewards program, you are hereby acknowledging and fully agreeing to the provisions herein this Section 16, the other provisions herein these Terms and Conditions, the Terms of Use - MTP, the Privacy Policy, and the Mastercard Lounge Rewards FAQs, accessible respectively at [Terms of Use], [Privacy Policy], and [FAQs]. In the event that you do not agree with any provisions therein, please discontinue using the lounge benefit immediately and delete your account with, or withdraw your registration for, the Mastercard Lounge Rewards program as continued use shall constitute your agreement to all provisions herein these Terms and Conditions, the Privacy Policy, Terms of Use – MTP, and the Mastercard Lounge Rewards FAQs.

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Easy Transaction Account

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What you’ll get

No fees

No ATM, foreign transaction or monthly fees.*†

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Add your Platinum Debit Mastercard to your digital wallet and tap to pay instantly.

A savings boost

Open a linked Easy Saver and earn interest on your Easy Saver balance.**#

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Awarded Canstar’s Outstanding Value Transaction Accounts 2023–2026.

Smarter tools, simpler banking

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Download our award‑winning app and open an account to access tools that help you grow, protect and manage your money.

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Want to make that rate even more interesting? You could win an Interesting Rate of 11.50% p.a. fixed for 4 months with your Easy Saver. Find out how to enter.

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Using your card in Australia (ATM and transactions)*†	$0
Dishonours and honours	$0
Replacement debit card (Australia and overseas)	$0
Paper statement fees	$0

Common questions

How do I apply for an Easy Transaction Account?

If you’re aged 16 years or over, you can apply online. If you’re aged 14-15, you’ll need to apply over the phone to start the account opening process and visit a participating Australia Post outlet to complete the identification process.

How many Easy Transaction accounts can I open?

You can have up to 10 Easy Transaction accounts per person.

How do I apply for a joint account?

If you’re already a Bankwest customer, you may be able to open a joint account in the app by choosing the account you’d like and selecting the ‘two of us’ option.

You’ll need to already have joint Bankwest account(s) with the other applicant, or both applicants must not have any other existing Bankwest joint accounts.

With a joint transaction or savings account, both people will have full access to the account and the money in it unless the account has multiple signatory instructions.

When will I receive my physical card?

You’ll receive your physical card within 10 business days. Your digital card will appear in the app straight away. Add your card to your digital wallet, then spend instantly with Apple, Google or Samsung Pay.

What is an Easy Saver Account?

This is an interest-earning account which doesn’t have BPAY® access or a debit card attached to it, so you can only access the money in it by transferring it to your linked Easy Transaction Account. To open an Easy Saver Account, you need an existing Easy Transaction Account – you can open them both at the same time.

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Easy Transaction Account is also suitable for concession card or government card holders.
Apple, the Apple logo and Apple Pay are trademarks of Apple Inc. App Store is a service mark of Apple Inc. Bankwest Apple Pay Terms of Use apply.
Android, Google Play and the Google Play logo are trademarks of Google LLC. Bankwest Google Pay Terms of Use apply. Google Pay and Google Wallet are trademarks of Google LLC.
Bankwest Samsung Wallet Terms of Use apply. Samsung and Samsung Wallet are trademarks of Samsung Electronics Co Ltd.
BPAY® is the registered trademark of BPAY Pty Ltd ABN 69 079 137 518.
Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.
Canstar’s 2026 Outstanding Value awards recognise products offering outstanding value to consumers as part of Canstar’s Star Ratings & Awards. Find more about the awards and categories.

Bankwest ‘Interesting Rates’ Competition

‘Bankwest ‘Interesting Rates’ Competition’ (Promotion) is conducted by Bankwest (Promoter) and runs from 9:30am (AWST) on 1 September 2026 to 6:00pm (AWST) on 30 November 2026 (Promotion Period) (see full Bankwest ‘Interesting Rates’ Competition Terms and Conditions PDF). Open to individuals who reside in WA, NSW, VIC or QLD, are 18 years or over, are eligible to open a Bankwest Easy Saver account and are not employees of the Promoter, involved in the Promotion or management of the Promoter or any other benefitting organisation. Entry through opening a Bankwest Easy Saver account via the Bankwest App and applying one of the following promotion codes in the ‘code’ box when opening the account: ‘DENIM’, ‘PUG’ or ‘PERMS’ during the Promotion Period. Max 1 entry and 1 prize per person. The first 150 eligible entries randomly drawn will each receive an interest rate of 11.50% p.a. for 4 months on balances up to $250,000.99 on their Bankwest Easy Saver account valued at up to $9,688.39. Total prize value: up to $1,445,382. Random electronic prize draws conducted at the offices of Trade Promotions and Lotteries Pty Ltd (ACN 601 297 330), Level 13, 477 Pitt St, Sydney NSW 2000. Eligible entrants will be placed into 1 of 3 draws based on their Bankwest Easy Saver account open date. For Bankwest Easy Saver accounts opened from 1 September 2026 to 30 September 2026, the draw will be at 11:00am (AWST) on 6 October 2026. For Bankwest Easy Saver accounts opened from 1 October 2026 to 31 October 2026, the draw will be at 11:00am (AWST) on 11 November 2026. For Bankwest Easy Saver accounts opened from 1 November 2026 to 30 November 2026, the draw will be at 11:00am (AWST) on 9 December 2026. Winners notified by email within 5 business days of the relevant draw and must have their Bankwest Easy Saver account open until then in order to be able to receive the prize. Each winner’s first initial, last name and postcode will be published on the Promoter’s website within 30 days of the relevant draw date. Prizes which cannot be delivered to a winner will be forfeited. Winners should consider seeking advice from the Australian Tax Office or their own taxation adviser or independent financial adviser if they are unsure of the tax implications that may arise from their prize. Entrants should review the applicable terms and conditions for their Bankwest Easy Saver account as they will apply to the prizes. Permit: NSW Authority No. TP/05238 (NTP/17797)

* ATM fees

ATM operators might charge a fee. Other fees and charges may apply.

† Foreign transaction fees

Foreign transactions are all transactions effected in foreign currency or 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. Other fees and charges may apply, including when using overseas ATMs.

** Easy Saver

The variable introductory rate is paid on a tiered basis on all balances in the account.
The Easy Saver variable introductory rate only applies to new accounts. Not available if you’ve previously held an Easy Saver account with an introductory rate that expired within the last 2 years.
Variable introductory rate and term are set out in the welcome letter.
At the end of the introductory rate term, the account reverts to the Easy Saver standard variable rate applicable at that time. T&Cs subject to change.
This introductory rate offer is available for a limited time only and the Bank reserves the right to terminate this offer at any time.
Must link to an Easy Transaction account. Limit one account per customer – not available for joint accounts.
Fees and charges may apply and subject to change.

# Rates

Rates are variable and subject to change. Interest is calculated daily, credited monthly and applied to the relevant portion of your balance that falls within each tier.

*** Virtual cards

Platinum Debit Mastercard

Platinum Debit Mastercard access is available to Australian citizens and temporary or permanent residents with an Australian residential address. Limited exceptions may apply subject to conditions.

App push notifications

On eligible devices in which you have the Bankwest App installed and notifications enabled.

Custom alerts

Custom alerts are available for mobile personal banking accounts on eligible devices in which you have the Bankwest App installed and notifications enabled. Limited alerts only are available for credit products.

eStatements

Customers opening this account will receive eStatements via Bankwest Online Banking and the Bankwest App. Customers can opt to receive a paper statement.

Important documents

Consider the applicable PDS available from Bankwest before deciding whether the product is right for you. Fees and charges may apply and subject to change. The relevant Product Schedule together with all of the related documents form the complete Product Disclosure Statement for this product.

Bankwest Easy Transaction Account Product Schedule (PDF)

Investment and Transaction Account Terms and Conditions (PDF)

Account Access Conditions of Use (PDF)

Your Guide to Banking Fees (PDF)

Banking Services Rights and Obligations (PDF)

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Source: https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20050801-144423.pdf

Account Access. Conditions of Use Credit Cards

About these Conditions of Use These Credit Card Account Access Conditions of Use apply to your use of a credit card, a Virtual Card, a Payment Device, Bankwest Online Banking, Phone Banking, and Pay AnyBody to access a credit card account in circumstances where we tell you that these Credit Card Account Access Conditions of Use form part of the credit card contract between us. This document does not contain all of the information we are required to give you before entering into a credit contract. Other information is contained in the Credit Card Schedule and the Credit Card Conditions of Use. Each of these Services provides you with access to Bankwest credit card accounts which we agree you may nominate. You must read these Credit Card Account Access Conditions of Use together with the Credit Card Schedule and the Conditions of Use specific to the credit card account. All three documents comprise your credit card contract. If there is an inconsistency between these Credit Card Account Access Conditions of Use, and the Conditions of Use specific to the credit card account, these Credit Card Account Access Conditions of Use prevail in respect of EFT transactions. Mobile Wallets with which you can use a card may be provided by technology companies and other third parties under their own service conditions. Bankwest does not impose any additional fees and charges for registering and using a Card with a Mobile Wallet provided by a third party. However, you will need to pay any third party fees and charges associated with downloading, registering and using the third party Mobile Wallet. Bankwest is not liable for the use, functionality or availability of any third party Mobile Wallet or for any disruption to its availability whether through the failure of a telecommunications network or a contactless merchant terminal. Usually, you will need to agree to the service conditions of the provider or a Mobile Wallet in order to register and use it with a card. If you wish to use the Bankwest website, or access Bankwest Online Banking via the Bankwest App, the “Website Terms of Use” (available at bankwest.com.au) will also apply.

Customer enquiries Please call 13 17 19 , message us in the Bankwest App or visit bankwest.com.au . Where to report lost or stolen cards or suspected unauthorised transactions (24 hours): Through the Bankwest App or Online Banking, including by messaging us. Within Australia 13 17 19 (cost of a local call). Outside Australia +61 8 9486 4130 (To use this reverse charges number please contact the international operator in the country you are in and request to be put through to +61 8 9486 4130. Please note: we have no control over any charges applied by the local or international telephone company for contacting the operator). Please note that a Mistaken Internet Payment and certain payments made using a Mobile Wallet are not the same as an unauthorised transaction. For Mistaken Internet Payments, refer to clause 4.10 and for payments made using a Mobile Wallet authorised by Biometric Identifiers refer to clause 6.2. Information on standard fees, charges and any interest rates is available on request.

Contents Part 1 – General 1 1.1 Definitions 1 1.2 ePayments Code 6 1.3 Changes 6 1.4 Electronic Communications 7 1.5 Cancellation of electronic access 9 1.6 Additional Cardholders 11 1.7 Access to a nominated cheque or savings account 11 1.8 Your Security Setting 11 Part 2 – Card Conditions of Use 13 2.1 About this Part 13 2.2 Access to your Card account 13 2.3 How much cash can you get? 14 2.4 Paying bills using your Card 14 2.5 Deposits 14 2.6 Transactions at EFT terminals 15 2.7 Do transactions have to be authorised by us? 15 2.8 Use of Card at merchants, financial institutions or our agents 16 2.9 Use of Card with a Mobile Wallet 17 2.10 When we may block or decline a transaction 19 Part 3 – Phone Banking and Bankwest Online Banking Conditions Of Use 20 3.1 About this Part 20 3.2 What is Phone Banking? 20 3.3 What can be done using Phone Banking? 20 3.4 How to use Phone Banking 20

3.5 What is Bankwest Online Banking? 21 3.6 What can be done using Bankwest Online Banking? 21 3.7 How to use Bankwest Online Banking 23 3.8 Internet security and privacy 24 3.9 Access and restriction of access to Services 24 3.9A Refusal of Service 26 3.10 Future payments 26 3.11 Limits 27 3.12 Other matters 27 3.13 Authorised users 27 3.14 Bpay Payments 27 Part 4 – Pay AnyBody Conditions of Use 32 4.1 About this Part 32 4.2 What is Pay AnyBody? 32 4.3 Daily Pay AnyBody transfer limit 32 4.4 Making a Pay AnyBody transfer 33 4.5 Postdated Pay AnyBody transfers 33 4.6 Cancelling a Pay AnyBody transfer 34 4.7 Processing Pay AnyBody transfers 34 4.8 If we make the wrong payment 34 4.9 Mistakes as to the amount of a Pay AnyBody transfer 34 4.10 Mistakes as to the account to which a Pay AnyBody payment is made 35

Part 5 – Recurring Payments 39 5.1 About this Part 39 5.2 Maintain a record of any Recurring Payments 39 5.3 Changing Recurring Payments 39 Part 6 – Security of Access Methods 40 6.1 What do users need to do to safeguard their Access Methods? 40 6.2 Guidelines 41 Part 7 – Loss, Theft or Unauthorised Use of Your Access Method 45 7.1 What users have to do 45 7.2 What is your liability for unauthorised EFT Transactions? 45 7.3 What is your liability for other unauthorised transactions? 49 7.4 When the electronic banking system or EFT Terminal malfunctions or breaks down 49 Part 7A – Liability For Mobile Wallet Transactions 50 7A.1 Application of this Part 50 7A.2 Authorised transactions 50 7A.3 When you are not liable for EFT transactions made using a Mobile Wallet 50

Part 8 – Payment Device Conditions of Use 51 8.1 About these conditions 51 8.2 All Payment Devices remain our property 51 8.3 Use of the Payment Device 52 8.4 Types of transactions that can be made 52 8.5 Transactions needing authorisation 52 8.6 Transactions at EFT Terminals 53 8.7 Use of a Payment Device at merchants, financial institutions or our agents 53 8.8 Payment Devices 54 Part 9 – Procedures For Handling Errors and Disputed Transactions 55 9.1 How will any errors, mistakes and disputes be handled? 55 9.2 Outcome 57 9.3 If you are not satisfied 58 9.4 If we fail to comply with these procedures 58 Part 10 – Privacy 59

Page 1 of 59 Account Access Part 1 – General 1.1 Definitions In addition to the definitions in the Bankwest Credit Card Conditions of Use, the following definitions apply to this document: Access Method means a method we authorise and accept as providing authority to us to act on an instruction given through Electronic Equipment. A reference to an Access Method includes a reference to each of its individual components and includes, but is not limited to, a Card, Card Details, a Security Token, a mobile device, a Mobile Wallet, a Biometric Identifier, a Secret Code, a Payment Device or any combination of these. It does not include a method where a manual signature is the principal means of verifying the authority to give the instructions. ADI means any bank, building society, credit union or other authorised deposit-taking institution within the meaning of the Banking Act 1959 (Cth). Approved Browser means a browser which can be used to access Bankwest Online Banking. A list of these browsers can be accessed at http://www.bankwest.com.au – enter ‘browser’ in the search box to find the list. ATM means an automatic teller machine. Biometric Identifier means a unique biometric trait, including without limitation, a fingerprint, facial recognition, voice recognition, body feature recognition, which may be used to unlock a mobile device, change the setting on a mobile device or application for a Mobile Wallet, or initiate an EFT Transaction. Bpay ® Scheme or BPAY means a Service which allows you to make Bpay payments electronically. We are a member of the Bpay Scheme. We will tell you if we cease to be a member of the Bpay Scheme. Bpay Pty Ltd means Bpay Pty Ltd ABN 69 079 137 518, PO Box 3545 Rhodes NSW 2138. Tel: (02) 9646 9222. Business Day means a weekday including local public holidays but excluding holidays observed on a national basis. Card means the credit card issued by us in accordance with the Bankwest Credit Card Conditions of Use and includes where applicable, a Virtual Card.

Page 2 of 59 Account Access Card Conditions of Use means the specific Conditions of Use we provide to you together with these Credit Card Account Access Conditions of Use and which we tell you form part of the Card contract. Card Details means the information printed or displayed on a Card and includes, but is not limited to, the Card number and expiry date. Cardlink Services Ltd means Cardlink Services Ltd ABN 60 003 311 644, Level 4, 3 Rider Boulevard, Rhodes NSW 2138. Tel: (02) 8754 2800. Confirmation of Payee means the service that may allow you to confirm the account name of the BSB and account number you want to make a payment to. Credit Card Scheme Rules means, as relevant, the credit card rules of Mastercard International Incorporated. Easy Alerts means the legacy Bankwest notification service allowing customisation of push notifications preferences. EFT System means the shared system under which EFT Transactions are processed. EFT Terminal means any terminal connected to the electronic banking system and authorised by us for use with an Access Method to conduct an EFT Transaction, including ATMs and EFTPOS terminals. EFT Transaction means an electronic funds transfer from or to an account with us initiated by a User through Electronic Equipment using an Access Method. EFTPOS Terminal means an electronic funds transfer point of sale terminal. Electronic Equipment includes, but is not limited to, a computer, television, telephone, mobile phone, Mobile Device and an EFT Terminal. Eligible Recipient Account means an account: – which is maintained by an ADI which is a subscriber to the ePayments Code; – that belongs to an identifiable individual in whose name a facility has been established by the subscriber. ePayments Code means the ePayments Code issued by ASIC.

Page 3 of 59 Account Access Financial abuse is a serious form of domestic and family violence that may occur through a pattern of control, and results in exploitation or sabotage of money and finances which affects an individual’s capacity to acquire, use and maintain economic well-being and which threatens their financial security and self-sufficiency. Merchant means a supplier of goods or services. Mobile Device means a mobile telephone or other small screen device which can be used to access the Internet. Mistaken Internet Payment means a payment initiated using the Pay Anybody service described in clause 4.2 from your account where funds are paid into an Eligible Recipient Account of an unintended recipient because a User enters or selects a BSB number and/or identifier that does not belong to the named and/or intended recipient as a result of: – the User’s error, or – the User being advised of the wrong BSB number and/or identifier. This does not include payments made using Bpay . Mobile Wallet means an application, loaded onto a mobile device, on which one or more Bankwest Cards may be registered to make transactions using near field communication or similar technology. NameCheck means the technology we may use when you make a payment using a BSB and account number to: – give you a view on the likelihood that the account name you enter matches the account; and – prompt you to take further steps to ensure you are paying the intended recipient. This does not confirm that the name actually matches the account. NameCheck prompts are based on our available payment information and used to enhance the Confirmation of Payee service. NFC means near field communication. Payment Device means an NFC enabled payment accessory (other than a Mobile device or Card) including without limitation a ring, key fob or other device which is NFC enabled and which is provided to you and owned by us to make payments from your Card account.

Page 4 of 59 Account Access PAN means a personal access number allocated to a User by us to identify the User for the purposes of accessing Phone Banking and Bankwest Online Banking. Password (also known as secure code) means the Access Method required by users, along with a PAN, to access Phone Banking or Bankwest Online Banking. For Phone Banking the Password is a four-digit number. For Bankwest Online Banking the Password is an alphanumeric code of 8 – 16 characters and in the form required by us as described in Bankwest Online Banking from time-to-time or, for those users with a Security Token, a 10-digit code which is a combination of the Token PIN and Token Code. PIN means the personal identification number we allocate a User for use with a Card or Payment Device, as changed by you or us from time to time. Receiving ADI means an ADI which is a subscriber to the ePayments Code and whose customer has received a payment which you have reported as being a Mistaken Internet Payment. Recurring Payment means a payment arrangement by which you have given your Card Details to a merchant or service provider to charge your account at intervals agreed by you (including on a one-off or ad hoc basis). Secret Code means individually and collectively a User’s PIN, Token Code, Password, Token PIN, answers to your Secret Questions, SMS Code, any code we give you to authenticate a user or transaction and code to unlock a mobile device, change settings on a mobile device or initiate an EFT Transaction on a mobile device. Secret Questions means security questions pre-arranged with us that may be asked when you wish to perform certain transactions or use certain functions in Bankwest Online Banking. The correct answers must be provided before the transactions can be made or the functions used. Secret Questions Security means the Security Setting where, when requested, you must correctly answer the Secret Questions, in addition to your existing password to authenticate you as a User. Secured Online Shopping means the method by which purchases that are made on the Internet, using your Card with merchants that take part in the ‘Mastercard SecureCode’ or ‘Verified by VISA’ security system, are authenticated by requiring Users to enter a SMS Code.

Page 5 of 59 Account Access Security Setting means your security setting for certain Secured Online Shopping transactions using your Card, SMS Code Security and for certain transactions in Bankwest Online Banking, SMS Code Security and/or Secret Questions Security, as applicable. Security Token means, if we have provided one to a User, the physical device which generates a Token Code. Service means Phone Banking, or Bankwest Online Banking, including the Bpay Scheme or Pay AnyBody service. SMS Code means a randomly generated six-digit code we send by short messaging service (SMS) to your mobile phone for conducting certain Secured Online Shopping transactions using your Card or to perform certain transactions or use certain functions in Bankwest Online Banking. SMS Code Security means the Security Setting where, when requested, you must correctly enter your current SMS Code, in addition to any existing Password to authenticate you as a User. Token Code means a random six digit code generated by a Security Token. The security of a Token Code is breached if the Security Token is lost, stolen or allowed to be seen by any person other than the User. Token PIN means a four digit code which is chosen by users who have been provided with a Security Token. User means you and/or any Additional Cardholder. Virtual Card means a type of Card that from 19 March 2025: – may be provided to you to access the Card Account on the terms set out in your Card Contract via a request made by you through the Bankwest App; – that exists solely in virtual (digital) form (i.e. a Virtual Card is not available in physical form); – uses Mastercard payment infrastructure; – contains Card Details not replicated on any other Mastercard issued in connection with the Card Account; and – may be used either on a single-use basis, or a multi-use (see section 2.2 in Part 2 of these Account Access Conditions of Use). WST means Western Australian Standard Time. We , us , the Bank or Bankwest means Bankwest, a division of Commonwealth Bank of Australia ABN 48 123 123 124 AFSL/ Australian credit licence 234945 and its successors and assigns.

Page 6 of 59 Account Access Any other grammatical form of the word ‘we’ has a corresponding meaning. You means the holder of the Card account. Any other grammatical form of the word ‘you’ has a corresponding meaning. For the purposes of complying with the requirements for the SMS Code Security, the Secret Questions Security, and where applicable for the purpose of consistency with the ePayments Code, where relevant, “you” also includes any User. 1.2 ePay ments Code We will comply with the requirements of the ePayments Code where those requirements apply to your dealings with us. 1.3 Changes Acting reasonably, we can change these Credit Card Account Access Conditions of Use at any time. We will give you notice by writing to you at least 30 days (or such longer period required by law) before we: (a) impose or increase charges relating solely to the use of an Access Method or the issue or use of any additional or replacement Access Method; (b) increase your liability for losses relating to EFT Transactions; (c) impose, remove or adjust a daily or other periodic transaction limit applying to use of an Access Method, your Card account or Electronic Equipment. Subject to any applicable law or code of conduct: – we will notify you of other changes no later than the day that the change takes effect; or – where an immediate change is necessary to manage a material and immediate risk, or to restore or maintain the security of the EFT System or an account, we may make a change necessary for that purpose without giving you advance notice. We may notify you of changes by (a) the electronic means described in clause 1.4; (b) a notice on or with your Card account statement; (c) publishing a press advertisement; or (d) notices on EFT terminals.

Page 7 of 59 Account Access Changes in your personal details You must inform us immediately of any change in your name or address including changes to your nominated mobile phone number or other electronic address. You can do this by messaging us in the Bankwest App or by telephoning our Contact Centre. 1.4 Electronic Communications Where you have given us an email address, mobile phone number or other electronic address for contacting you, you agree that we may satisfy any requirement under these Credit Card Account Access Conditions of Use or under any law or applicable code of conduct to provide Users with information by any of the following means: (a) electronic communication to your nominated electronic address; (b) making the information available on our website after first notifying you by: – SMS message to a mobile phone number you have given us for contacting you; – by electronic communication to any other electronic address you have given us for contacting you, or – push notification from the Bankwest App that the information is available for retrieval by you; (c) a SMS text message to a mobile number you have given us for contacting you; or (d) such other means as we agree with you. You acknowledge we have advised you that: – Your agreement for us to communicate with you by electronic communication may be cancelled by you at any time by notice to us. You may also change any email address, mobile phone or other electronic address via the Bankwest App or by calling us on 13 17 19. – While you have agreed that we can communicate with you by electronic communication, paper communications may no longer be given to you and you should regularly check your electronic communications for notices and statements from us. Should we provide you with information by an electronic method outlined in this clause, the information will be deemed to have been provided to you when the electronic communication enters the first information system outside Bankwest (e.g. your or your internet services provider’s information system).

Page 8 of 59 Account Access Marketing and commercial messages This clause relates to the marketing and commercial electronic messages we may send you. By this clause you consent to receiving those messages, but you have the option to withdraw that consent and tell us not to send them. If you provide us with your contact details (such as your email and telephone number) you agree that we may use them to communicate with you (unless you tell us not to), including: – to send you commercial electronic messages; – for direct marketing purposes; and – to make phone calls to you for an indefinite period, in accordance with Schedule 2 of the Do Not Call Register Act 2006 (Cth), unless you tell us not to. By registering for online services (such as Bankwest Online Banking) or accessing Bankwest applications (such as the Bankwest app), you also agree that (unless you tell us not to) we may send you commercial electronic messages and/or direct marketing through these online services and applications (including push notifications, in-app messages and notifications, or messages to your Bankwest Online Banking inbox). You agree that each time you use an automated digital assistant that is available in our online services or applications, we may send you commercial electronic messages or direct marketing through that assistant’s response to you. Sometimes we use third party service providers such as marketing companies or mail houses to send messages on our behalf for direct marketing purposes. You agree that (unless you tell us not to) we may share your personal information with marketing companies or mail houses so they can send you direct marketing messages and commercial electronic messages. Changing your preferences We will provide you with options you may use to opt out of receiving commercial electronic messages we send you and to choose the way we send them to you. While in some cases one of the options may be an unsubscribe facility, you agree: – we are not required to include an unsubscribe facility in commercial electronic messages we send you; and – you may be required to log in to your Bankwest app and update your marketing preferences, to unsubscribe from commercial electronic messages.

Page 9 of 59 Account Access Opting out of commercial electronic messages sent by Bankwest: – may impact our ability to provide you with information about all the benefits that are available as our customer. There are, however, messages that we must be able to send you and which you will not be able to opt out of receiving. – will not opt you out of receiving messages from other brands within the Commonwealth Bank Group where you have agreed to those other brands sending you messages. If you would like to opt out of receiving commercial electronic messages from other Commonwealth Bank Group brands, please follow the opt out facilities in their communications or as set out in their terms and conditions. 1.5 Cancellation of electronic access We may, in our discretion, and without liability to you: – withdraw or deny access to a Service; – cancel or suspend any Card or Payment Device, refuse to process or complete (eg block or decline), or hold or delay the processing of, a transaction or dealing of a User; or – cancel electronic access to your Card account, at any time without prior notice, in certain circumstances including (but not limited to): • if we reasonably consider it necessary to: – comply with our financial crimes policies, any laws in Australia or laws overseas, or card scheme rules; or – manage any risk; • if we reasonably consider that your Card account or a User’s access method or the transaction, dealing or type of transaction or dealing may be being used unlawfully including fraudulently or as part of a possible scam or in any way that might otherwise cause you or us to lose money; • if a User seeks to make a payment to an account or type of account which we reasonably believe may be being used unlawfully including fraudulently or as part of a possible scam or in any way that might otherwise cause you or us to lose money; • if a User seeks to make a payment to an account which we reasonably believe may be owned or by controlled by a crypto-currency or digital asset exchange; • if a User’s transaction instructions are not clear;

Page 10 of 59 Account Access • if we reasonably consider there has been non-compliance with these Credit Card Account Access Conditions of Use; • if you do not provide us with any document or information we reasonably request from you; • if we reasonably consider there has been unsatisfactory account operation, including conduct that, in our opinion: – is defamatory, harassing or threatening to any person; – promotes or encourages physical or mental harm of any person; – promotes violence against any person; or – threatens or promotes terrorism; • if we reasonably consider that a User may be a person, acting for or conducting business with a person: • with whom we are not permitted to deal with by law or a regulatory authority; or • in breach of laws relating to money laundering and terrorism financing. • if we reasonably suspect a User is residing in a sanctioned jurisdiction or travelling to a sanctioned jurisdiction (while the User is in that jurisdiction). To find out the current list of sanctioned jurisdictions please visit commbank.com.au/ sanctioned countries (this list may change from time to time without notice to you) • if we reasonably consider that you have not complied with the requirements for your Security Setting; or • if we reasonably consider a security issue has arisen which requires further investigation. • if we suspect on reasonable grounds that your account is being used in a way that results in or may cause financial abuse. We will not be responsible for any cost, expense or other inconvenience you incur when we exercise our discretion to withdraw or deny access to a Service, cancel or suspend a Card, refuse to process or complete (eg block or decline), or hold or delay the processing of, a transaction or dealing of a User, or cancel electronic access to your Card account. If in such circumstances we cancel a Card, you may request a replacement Card unless we decide not to provide you with further credit. In the event that electronic access to your Card account is cancelled by you or us, you must, if relevant, halt the use of any Payment Device, Card or Security Token, ensure that all cards are

Page 11 of 59 Account Access returned to us cut in half diagonally or otherwise satisfy us that they have been destroyed, and return the Security Token to us undamaged. Notwithstanding the above, we may cancel your use of a Service, Card or Payment Device at any time on providing reasonable notice to you. The Bank has an obligation under the Banking Code of Practice to act fairly and reasonably towards you in a consistent and ethical manner. You may end your use of a Service or cancel a User’s electronic access to your Card account at any time by calling our Contact Centre, or by messaging us in the Bankwest App. 1.6 Additional Cardholders You agree that you are responsible to ensure that Additional Cardholders comply with these Credit Card Account Access Conditions of Use and to ensure that each Additional Cardholder protects their Access Method in the same way as these Credit Card Account Access Conditions of Use require you to protect your Access Method. 1.7 Access to a nominated cheque or savings account Account access to a nominated account by a User is not governed by these Conditions of Use but by the Bankwest ‘Account Access Conditions of Use’. Users should refer to those Conditions of Use for information about the use of the Card to access a nominated account. You acknowledge that by linking a nominated account to your Card you increase the risk of loss for which you could be liable if the Card is used without a User’s knowledge or consent. You agree that any User will have authority to operate a nominated account. 1.8 Your Security Setting Your Security Setting provides additional security where you engage in transactions that we consider can carry a higher risk. It assists in protecting your transactions in such circumstances. Unless exempted by us in accordance with these Credit Card Account Access Conditions of Use, all Users must be registered for SMS Code Security when required by us. All Users must notify us of their current mobile phone number and inform us of any change in their mobile phone number by calling us on 13 17 19 .

Page 12 of 59 Account Access If you are registered for SMS Code Security, you need to ensure your mobile phone will be able to receive SMS Code. Unless exempted by us in accordance with these Credit Card Account Access Conditions of Use, all Users of Bankwest Online Banking must be registered for SMS Code Security and Secret Questions Security when required by us. We will notify you once you are registered with a Security Setting. If you have difficulty receiving SMS Codes from time to time (e.g. you are going overseas), contact us to apply for an exemption and we may change your Security Setting for an appropriate period approved by us (and our approval will not be unreasonably withheld). Any change we make to your SMS Code Security will apply to you conducting Secured Online Shopping transactions using your Card and also transactions in Bankwest Online Banking. If you have an exemption from SMS Code Security for any period of time, your ability to make payments to third parties in Bankwest Online Banking may be limited. We may suspend your SMS Code Security if we have reason to believe that your online security is at risk, e.g. you entered the wrong SMS Code more than once. If we do, your access to Bankwest Online Banking for any functions normally requiring a SMS Code to be entered including payments to third parties may be suspended or limited and will not apply until we reactivate it. Call us on 13 17 19 .

Page 13 of 59 Account Access Part 2 – Card Conditions of Use 2.1 About this Part This Part (together with Parts 1, 6, 7, 9 and 10) applies to all transactions involving the use of the Card itself or the Card Details or a Mobile Wallet to access your Card account. 2.2 Access to your Card account (a) Over the counter (including EFTPOS terminals), mail order, telephone and online Users can use their Mastercard ® in Australia and overseas over the counter at financial institutions and Merchants displaying the appropriate Card symbol. In Australia you will usually need to enter a PIN. If a Merchant accepts payment with your Card by mail order, telephone or online, users may authorise payment in the manner required by the Merchant by providing the Card Details to the Merchant. Where you are registered with SMS Code Security, you must enter your current SMS Code when requested for conducting certain Secured Online Shopping transactions using your Card. (b) ATM users may use their Mastercard and PIN to obtain cash advances in Australia and overseas at ATMs displaying the appropriate symbol. You cannot use a Virtual Card to obtain a cash advance at an ATM or elsewhere. (c) Single-use Virtual Cards will no longer be usable after a single transaction or after 24 hours of issuance (whichever occurs first). This is the case regardless of the card expiry date that appears on the Card. (d) For multi-use Virtual Cards, the following applies: – you may set an optional spend limit; – you must select a card end date; and – if you set an optional spend limit for your Virtual Card, subject to the available balance on your Card Account, you may make multiple transactions using the card until either (i) the spend limit is reached or (ii) the card end date is reached (whichever occurs first). The card will no longer be usable after the occurrence of one of these events. This is the case regardless of the card expiry date that appears on the Card.

Page 14 of 59 Account Access 2.3 How much cash can you get? (a) Subject to paragraph 2.3 (b), the minimum amount a User can obtain each day from CBA ATMs is $20 or $50 (depending on the ATM), otherwise it will be determined by the institution from which the cash advance is obtained. A maximum daily ATM transaction limit also applies. Users will be advised of this limit when their Card is issued. Other financial institutions and our agents may set their own limits. Cash advances may not be obtained using EFTPOS terminals. Banks overseas displaying the appropriate Card symbol may arrange a cash advance in local currency from the Card account. This is subject to their own cash advance transaction limit, their own country’s exchange control requirements, any fees they may charge and your available credit limit. (b) A maximum monthly cash advance limit may apply. The amount of the limit will be at our discretion, may vary monthly and will be determined according to our credit risk assessment of you, the period for which the Card account has operated and your payment history. 2.4 Paying bills using your Card Users can pay utility accounts such as water, gas and power from the Card account by mail or telephone (if applicable) quoting their Card Details. The transaction will be treated as a purchase by us. If a User pays such accounts over the counter using their Card at a bank nominated by the utility, the amount will be debited to your Card account as a cash advance (not a purchase) and will immediately be subject to interest charges. (Utility accounts can also be paid by way of Bpay payment – see Clause 3.14). 2.5 Deposits You can deposit funds to the Card account at selected agents and select CBA ATMs. There are limits on the amount of cash you can deposit at our agents and ATMs. If a cheque is deposited the proceeds of the cheque will not be available until the cheque is cleared. If funds are deposited into your Card account we may hold the funds until we have complied with requirements under any relevant laws in Australia or any other country (for example anti-money laundering and counter-terrorism financing laws). All deposits made at CBA ATMs are checked by us. If the amount appearing on the transaction record differs from the amount received by us, we will credit your Card account with the amount actually received and notify you as soon as possible.

Page 15 of 59 Account Access Any cheques drawn on or deposited to your account, or bank cheque or other document deposited to your account or delivered to us in connection with a transaction on your account, becomes our property when we present the cheque or other document for payment (even if it is dishonoured) or when the transaction is otherwise complete but you retain all rights against the drawer and any endorser of any dishonoured cheque. We accept responsibility for the security of deposits received at CBA ATMs subject to checking of the amount deposited. The amount checked by us is evidence of the amount actually received. A Virtual Card cannot be used to deposit funds. 2.6 Transactions at EFT terminals When a User makes an EFT Transaction at an EFT Terminal you authorise us to act on the instructions given by the User. Users should ensure that the correct transaction details are entered into the terminal before authorising a transaction and also that the completed transaction is in accordance with those instructions. All vouchers and transaction records should be kept to help check statements. EFT Transactions may not be processed to your Card account on the day they are made. Processing may take a number of days. We will process transactions to your Card account as soon as practicable. Users should observe the guidelines set out in Clause 6.2 to ensure the security of access methods when transacting at an EFT Terminal. 2.7 Do transactions have to be authorised by us? Transactions on the Card account may need to be authorised by us. We may at our discretion and acting reasonably decline a transaction (or any category of transaction) for any reason, including but not limited to, security reasons, perceived risk of the transaction or if you have not complied with any SMS Code Security requirements, or if you are in default, your credit limit would be exceeded, or we are unable to authorise the transaction because the system to do so is inoperative and the amount of the transaction exceeds limits we set in the circumstances.

Page 16 of 59 Account Access If a User, or the Merchant, does not proceed with a transaction after it has been authorised by us your available credit limit may be reduced for at least seven business days. 2.8 Use of Card at merchants, financial institutions or our agents If a User provides a Merchant with their Card Details: (a) to enable the Merchant to complete a transaction in the future (e.g. authorises a hotel for room service or use of the mini-bar); or (b) to pay for goods and services in advance even if the User later decides not to take the goods or use the services; The User authorises the Merchant to complete the transaction and when the Merchant completes the transaction the available credit limit will be reduced. To the extent permitted by law and the ePayments Code, we do not accept responsibility for the actions of financial institutions, merchants or our agents: (a) in refusing to accept or honour a Card; or (b) in imposing limits or conditions on use of a Card. The User must resolve such issues directly with the financial institution, Merchant or agent. Card promotional material displayed on any Merchant’s premises does not mean that the goods and services on those premises may be purchased using a Card. Unless required by law we are not responsible for goods or services supplied to a User or for any refund. The User must take up any complaints or concerns directly with the Merchant and any refund is a matter between the User and the Merchant. However, please refer to Clause 9.1 where a ‘chargeback’ right may be available under the Credit Card scheme rules. If a Merchant gives the User a refund we can only credit the Card account when we receive correctly completed refund instructions from the Merchant. Refunds credited to the account will not be treated as monthly payments to the account but will reduce the amount of the most recent outstanding purchases appearing on the next statement following the refund.

Page 17 of 59 Account Access Care! If a refund is obtained from an overseas Merchant, there may be a difference in the Australian dollar values due to movements in the foreign exchange rates. You take the risk of currency fluctuations between the date of purchase and the date of refund. Care! You should obtain proof of refund and should check that the refund appears on your Card account statement. The hours that a Merchant, financial institution or our agents may be open for business will determine when a terminal at their premises will be available. 2.9 Use of Card with a Mobile Wallet A Card may be used with a Mobile Wallet we approve for use from time-to-time to make contactless payments to Merchants and payments within Mobile Wallet applications. If the dollar value of an EFT Transaction initiated using a Mobile Wallet exceeds the contactless payment threshold, a User may need to enter the PIN associated with the Card, to initiate the EFT Transaction. For some mobile devices, carrier-specific software settings may override Mobile Wallet settings so that the User may need to unlock the mobile device before the contactless terminal will allow the User to initiate an EFT Transaction. Usually, a User must have selected the relevant Mobile Wallet as the default ‘tap and pay’ application on a mobile device’s settings to transact using the Mobile Wallet and a User must have the Card selected as the default card within the Mobile Wallet in order to use the Card when making an EFT Transaction. If a Mobile Wallet is the default ‘tap and pay’ application on the User’s mobile device settings, the User may only be able to pay using that Mobile Wallet application despite another ‘tap and pay’ application being open at the time the User taps the User’s mobile device at the contactless terminal. A Mobile Wallet may not work when a mobile device is not within range of a cellular or wireless internet connection and if the mobile device has not been connected to cellular or wireless internet for an extended period of time, there may be a delay before mobile device is reconnected.

Page 18 of 59 Account Access How to add or remove a Card loaded to a Mobile Wallet: Before we can allow a Card to be added to a Mobile Wallet: – we must verify the User’s identity; and – the Card must not be closed, reported lost or stolen or its balance written off. A Card of an Additional Cardholder cannot be deleted or cancelled in a Mobile Wallet, however, you may suspend or cancel an Additional Cardholder’s Card by messaging us in the Bankwest App or calling us on 13 17 19 . It may be possible to make EFT Transactions using a Mobile Wallet after deleting or uninstalling the Mobile Wallet application on a mobile device. If a User no longer wishes to use a Card with a Mobile Wallet, the Card should be removed from the Mobile Wallet prior to deleting or uninstalling it on the mobile device. Other ways to ensure that a Card cannot be used with the Mobile Wallet include: – removing the account the User has with the technology company who issued the Mobile Wallet and to which the Card was added in the relevant Mobile Wallet; – undertaking a factory reset of the mobile device; and – erasing the mobile device on the device manager program for the mobile device. A Card may also be removed from a Mobile Wallet where the mobile device has not connected to Mobile Wallet issuer’s servers for at least 90 days. We will not be liable for any loss caused by your fraud or use of a Mobile Wallet or mobile device in a manner not permitted by the issuer of the Mobile Wallet or manufacturer of the mobile device, other than to the extent that the loss was directly caused by our act or omission. We will also not be liable for any loss arising from reduced service levels that are outside our reasonable control. When Bankwest may suspend or terminate a Bankwest Card on a Mobile Wallet Bankwest may suspend or terminate a Card registered with a Mobile Wallet if: – you ask us to suspend or cancel the Card; – a User breaches these terms;

Page 19 of 59 Account Access – we, or the issuer of the Mobile Wallet, reasonably suspect fraud or if we are required to do so under anti-money laundering and counter-terrorism financing legislation; – the issuer of the Mobile Wallet suspends or terminates the Mobile Wallet; or – we reasonably exercise our discretion to do so, as noted in these Credit Card Account Access Conditions of Use or the Conditions of Use specific to the credit card account. – we suspect on reasonable grounds that your account is being used in a way that results in or may cause financial abuse. We will also suspend or terminate the Card when we receive your instructions to do so. 2.10 When we may block or decline a transaction You may only use your Card or Payment Device for lawful purposes. In addition to our rights under clause 1.5 (“Cancellation of electronic access”), we may block or decline purchases from certain websites or merchants if we have reason to believe that the products or services being offered: – are illegal in Australia or elsewhere; – contain offensive material; – pose a risk to the function or integrity of information systems or data; – may be used unlawfully including fraudulently or as part of a possible scam or in any way that might otherwise cause you or us to lose money or to otherwise manage risk; – are from an account which we reasonably believe may be owned or controlled by a crypto-currency or digital asset exchange.

Page 20 of 59 Account Access Part 3 – Phone Banking and Bankwest Online Banking Conditions Of Use 3.1 About this Part This Part (together with Parts 1, 6, 7 and 9) applies to use of Phone Banking and Bankwest Online Banking in connection with your Card account. 3.2 What is Phone Banking? Phone Banking is a Service which enables a User to make enquiries and effect transactions on your Card account using a PAN and Password and tone telephone or mobile phone. Users must not use an analogue mobile phone as the tone message may be scanned and the PAN and Password may be disclosed. 3.3 What can be done using Phone Banking? Users can: – obtain the balance of your Card account; – transfer funds between accounts; – enquire about transactions on your Card account; – make payments to your Card account; – make bill payments electronically through Bpay ; – postdate funds transfer and bill payments up to 90 days in advance; – order a statement of interest for taxation purposes; and – change a Password. 3.4 How to use Phone Banking To use Phone Banking users must: – phone us for the cost of a local call Australia wide. Calls from mobile phones and calls made from overseas are charged at the applicable rate; – enter their PAN and Password using the telephone keypad; and – follow the instructions given.

Page 21 of 59 Account Access 3.5 What is Bankwest Online Banking? Bankwest Online Banking is a Service provided by us that is accessible via a computer or mobile device with internet access, and a mobile device using the Bankwest App, which enables a User to make enquiries and effect transactions over the Internet on your Card account using a PAN and Password. Bankwest Online Banking must only be accessed via an Approved Browser. The Bankwest App is available for compatible iPhone, iPad and Android™ devices offering a fast, simple and convenient mobile banking experience. With the Bankwest App you can check account balances, view recent transaction history, pay bills via Bpay , make transfers to linked and third party accounts from your smart phone. Additionally, you can locate your nearest Commonwealth Bank ATM. In order to access the full range of Bankwest App features, security and other updates, you should ensure that you use the latest version of the Bankwest App. You may need to upgrade the operating system on your device to ensure it is compatible with the latest Bankwest App version. If you access our website from a mobile device or use the Bankwest App, you may not be able to access the full range of services which are ordinarily available from our website. 3.6 What can be done using Bankwest Online Banking? Features available in Bankwest Online Banking include: – obtain the balance of your Card account; – transfer funds between accounts; – enquire about transactions on your Card account; – check past statements on your Card account; – order a printed statement on your Card account; – make payments to your Card account; – make bill payments electronically through Bpay ; – postdate funds transfer and bill payments; – order a statement of interest for taxation purposes; – change a Password; – lodge various service and application forms with us; – close a Card account;

Page 22 of 59 Account Access – make a Pay AnyBody transfer (see Part 4). – perform a range of administrative functions; and – manage communication preferences (including push notifications which we may send from time to time) in the Bankwest App. In addition to the Bankwest App, we provide a version of Bankwest Online Banking that has been customised for Mobile Devices using internet browser software. Not all of the functions set out in this clause 3.6 will be available when accessing Bankwest Online Banking using a Mobile Device and internet browsing software, or the Bankwest App, and other functions may operate with a reduced or different level of functionality. If you have the Bankwest App installed on an iPhone or iPad, you can turn on: – Touch ID for the Bankwest App: where you can access the Bankwest App using a fingerprint identity sensor (except for iPhone X onwards); or – Face ID for the Bankwest App: where you can access the Bankwest App using facial recognition ability for iPhone X onwards. If you have the Bankwest App installed on an Android mobile device, you can choose the option of using fingerprint recognition to access the Bankwest App. If you turn on Touch ID, Face ID or use Android fingerprint recognition on the Bankwest App, you consent to Bankwest collecting the biometric information you provide for the purposes of identifying you and otherwise for use in accordance with the Bankwest Privacy Statement. For certain transactions on the Bankwest App, you may be prompted to enter your Bankwest App PIN Login as an additional security measure. You must only store your own biometric identifiers (including your fingerprints or your facial mapping) on your smartphone device. You must not use Touch ID, Face ID or use Android fingerprint recognition on the Bankwest App if you have someone else’s biometric identifiers, including their fingerprints or facial mapping stored on your device. If you do allow someone else’s fingerprints or facial mapping to be stored on your device (despite this being against these Conditions of Use):

Page 23 of 59 Account Access – They will be able to access your accounts and will be considered authorised to do so; and – You will be responsible for their transactions. Touch ID, Face ID and Android fingerprint recognition can only be turned on for the Bankwest App if it is available on your mobile device model and has been enabled by you on your device. Touch ID, Face ID and Android fingerprint recognition are technologies provided by vendors external to Bankwest and accordingly we are not responsible: – For any malfunction in such technologies; or – If Apple or Android make any changes to their technology that impacts the way you access the Bankwest App, e.g. For iPhone X users, effective from 3 November 2017, the fingerprint sensor will no longer be available and is replaced with facial recognition ability. If you choose to use Touch ID, Face ID and/or Android fingerprint recognition to access the Bankwest App, you will still need your internet banking login details and you must protect these in the manner outlined in these Conditions of Use. 3.7 How to use Bankwest Online Banking To use Bankwest Online Banking users must have a PAN and Password. The PAN will be provided separately from any Password or Security Token we provide, and upon receipt, users should visit our website (bankwest.com.au) to get further information and to log on to Bankwest Online Banking. Users without a Security Token logging onto Bankwest Online Banking for the first time will be required to change their issued Password to an alphanumeric code of 8 – 16 characters and in the form required by us as described in Bankwest Online Banking from time to time. Users with a Security Token logging on for the first time will be required to choose a Token PIN. Where you are registered with SMS Code Security, you must enter your current SMS Code when requested for conducting certain transactions in Bankwest Online Banking. Where you are registered with Secret Questions Security, you must correctly answer Secret Questions when requested to perform certain transactions or use certain functions in Bankwest Online Banking.

Page 24 of 59 Account Access However, SMS Code Security and Secret Questions Security are not available when you conduct transactions or perform functions in Bankwest Online Banking through the version of Bankwest Online Banking that has been specially customised for Mobile Devices using internet browser software referred to in clause 3.6. 3.8 Internet security and privacy Users of Bankwest Online Banking must ensure that they take all reasonable steps to protect the security of their Electronic Equipment, any Security Token issued to them and their Password. This includes, but is not limited to: – ensuring that, if and when the Password is changed, the number and letters which are chosen cannot be easily identified, e.g. it has no obvious pattern (patterns such as 1234A, 1111A, and ABCDEF are too obvious) and has no connection with the User (such as a birthday, telephone number, car registration, postcode or the PIN used with a Card); – ensuring their computer and mobile device is free of viruses; – ensuring their computer and mobile device is not left unattended while they are logged on to Bankwest Online Banking; – ensuring their computer is free from any form of password recording program or mechanism; – ensuring that they shut down all browser windows used to gain access to Bankwest Online Banking and that the ‘back’ function or similar function cannot be used to trace their activities. The security guidelines in this subclause provide examples of security measures only and will not determine your liability for any losses resulting from unauthorised transactions. Liability for unauthorised transactions will be determined in accordance with Part 6 of these Credit Card Account Access Conditions of Use and the ePayments Code. 3.9 Access and restriction of access to Services Access to Phone Banking and/or Bankwest Online Banking may not be available from some States, Territories or country telephone exchanges or, for Bankwest Online Banking, from overseas. You should refer to your telecommunications provider/carrier for information about whether a Mobile Device will be able to use the relevant overseas network and access Bankwest Online Banking overseas.

Page 25 of 59 Account Access You may not be able to access Bankwest Online Banking from all computers or Mobile Devices due to hardware or software restrictions, connection limitations, the capacity of your internet service provider, availability of a connection via your telecommunications provider/carrier or for other reasons outside our control. We will try (without any legal obligation) to provide the Services on a 24-hour continuous basis. However, circumstances may not always make this possible. If the Services cannot be accessed at any time, to help us to investigate the reason please advise us by calling us. Subject to clause 7.4, we are not responsible for: – the inability of any computer or Mobile Device to access or use Bankwest Online Banking. You are responsible for compatibility of any computer or Mobile Device with Bankwest Online Banking; – the unavailability of Bankwest Online Banking as a result of the failure of any telecommunication connection used in connection with a computer or Mobile Device; or – any loss or damage to any computer or Mobile Device as a result of the use or attempted use of Bankwest Online Banking, other than to the extent that the loss or damage is directly caused by out act or omission. You are responsible for any fees or charges imposed by a telecommunications provider/carrier for accessing Phone Banking or Bankwest Online Banking, including call costs and costs for accessing the Internet where you access Bankwest Online Banking using a Mobile Device, whether Bankwest Online Banking is accessed from Australia or overseas. You should refer to your telecommunications provider/carrier for full details about the fees and charges associated with accessing and downloading information from the Internet. We do not guarantee to give effect to any payment instruction received via our Services. We may delay and/or refuse to give effect to any Phone Banking or Bankwest Online Banking instruction without notifying you. Instructions will not be processed: – when your Card contract prohibits the payment(s); – when the credit limit of the Card account would be exceeded; or – when a Bpay payment will cause you to exceed your daily Bpay payment limit. You should ensure that any transaction instruction you give would not cause your credit limit to be exceeded. Except for Bpay and Pay

Page 26 of 59 Account Access AnyBody transactions, transactions made prior to 6:00pm WST on a business day should be processed that day and otherwise should be processed on the next business day. However, payments to credit card accounts will not be available until the day after the next business day. 3.9A Refusal of Service Acceptable Use Policy You may not use Bankwest Online Banking to engage in conduct that, in our opinion: – is unlawful; – interferes with any other person’s access to Bankwest Online Banking; – is used for a vehicle for, or may cause or result in financial abuse; – is offensive, defamatory, harassing or threatening to any person; – promotes violence against any person; or – threatens or promotes terrorism. In the event that you fail to comply with our Acceptable Use Policy as detailed above, we may, without notice and immediately or at any time: (a) refuse to process or complete any transaction or dealing of yours; and/or (b) suspend or discontinue your access to Bankwest Online Banking. If we receive a complaint or request from or on behalf of a recipient of a transaction or dealing of yours using Bankwest Online Banking, we may investigate and consider in light of Bankwest’s Acceptable Use Policy. You acknowledge and agree that we may respond to a complaint or a request by sharing the outcome of such investigation, including any related action taken against you. 3.10 Future payments If a funds transfer, Bpay payment or Pay AnyBody transfer is scheduled for a future stipulated date, it will only be effected on that date by us if the payment will not cause your credit limit to be exceeded by 11:30pm WST on the business day prior to the scheduled payment date and the funds transfer, Bpay payment or Pay AnyBody transfer will not cause you to exceed any limit we impose in accordance with Clause 3.11, your daily Bpay payment limit

Page 27 of 59 Account Access or your daily Pay AnyBody transfer limit on the date stipulated for the payment to be made. 3.11 Limits Acting reasonably, at our discretion we may impose and/or vary minimum and/or maximum limits on the amounts which you may transfer from your Card account using our Services. Current information on these limits can be accessed by logging in to Bankwest Online Banking, messaging us in the Bankwest App or calling us on 13 17 19 . 3.12 Other matters We shall issue a receipt number for each funds transfer or Bpay payment instruction received via our Services. When we have instructions for more than one transfer or Bpay payment from the Card account we may determine the order. 3.13 Authorised users Each Additional Cardholder will have automatic access to our Services with their own PAN and Password. 3.14 Bpay Payments (a) If there is any inconsistency between the provisions of this Clause 3.14 and the Credit Card Account Access Conditions of Use, Clause 3.14 prevails to the extent of that inconsistency. (b) When you tell us to make a Bpay payment, you must give us the information specified in paragraph (f) below. We will then debit your Card account with the amount of that Bpay payment. (c) All bill payments that are made through our Services are processed through the Bpay Scheme. Bills which may be paid through the scheme display the Bpay logo and biller reference details. The bill will also record the type of accounts the biller will accept payment from (e.g. cheque, savings, or credit card). (d) Phone Banking users may nominate a maximum of 12 Bpay billers per PAN on their frequent billers list Bankwest Online Banking users may nominate a maximum of 500 Bpay billers on their frequent billers list, with the first 12 Bpay billers stored in the frequent billers list also available in Phone Banking. Users will be able to pay other Bpay billers by manually keying in their full details. (e) The initial maximum aggregate amount of Bpay payments that you may instruct us to make on any business day is $5,000.

Page 28 of 59 Account Access You may request this limit to be changed: i. online after registering for SMS Code Security or Secret Questions Security; or. ii. by contacting us. Approval of limit changes is subject to our sole discretion. Current information on limits can be accessed by logging in to Bankwest Online Banking, messaging us in the Bankwest App or by calling us on 13 17 19 . Certain transactions may require SMS Code Security or Secret Questions Security at lower limits as determined by us from time to time. (f) The following information must be given to us to make a Bpay payment: i. the biller code; ii. the biller customer reference number; iii. the amount to pay; iv. a date if the payment is to be postdated; and v. the account to be debited for the payment. (g) We shall not be obliged to effect a Bpay payment instruction if the information is incomplete and/or inaccurate, the payment would cause the credit limit of the Card account or the daily Bpay payment limit to be exceeded. (h) If there is any inconsistency between this Clause 3.14 and any other part of these Credit Card Account Access Conditions of Use, this clause prevails to the extent of that inconsistency. (i) A Bpay payment from the Card account is treated as a purchase transaction. (j) Except for postdated payments (Clause 3.14 (o)) we will not accept an order to stop a Bpay payment once we have been instructed to make the Bpay payment. (k) Generally, a Bpay payment will be treated as received by the biller to whom it is directed: i. on the date we are told to make that Bpay payment, if we receive the instruction before 4:00pm WST on a business day; or ii. on the next business day, if we receive the instruction after 4:00pm WST on a business day, or on a non-business day. (l) A delay may occur in processing a Bpay payment where a biller, or another financial institution participating in the Bpay Scheme, does not comply with its obligations under the Bpay Scheme.

Page 29 of 59 Account Access (m) Care must be taken by all users to enter the correct amount to be paid to a biller and to enter the correct biller details. If the amount entered is greater than was intended, you must contact the biller to obtain a refund of the excess. If less, a further Bpay payment can be made. If the payment is made to a person other than the biller intended to be paid and we cannot recover it from the recipient within 20 business days, you are liable for the amount. (n) If we are advised that a Bpay payment cannot be processed by a biller, we will advise you, credit your Card account with the amount of the Bpay payment, and take all reasonable steps to assist in making the Bpay payment as quickly as possible. (o) Postdated Bpay payments: i. a Bpay payment may be requested for a date in the future, however, we will only make the Bpay payment if the requirements of Clause 3.10 are met. If the date stipulated is not a business day, we will make the Bpay payment on the next business day. In the event that your credit limit, your daily Bpay payment limit or any other limit we impose in accordance with Clause 3.11 is exceeded, it will be necessary to resubmit the Bpay payment instruction. ii. a future-dated Bpay payment instruction may be altered or cancelled before its stipulated date for payment, provided the instruction to alter or cancel the payment is given before the payment cut-off time the business day immediately prior to the stipulated date. (p) We may charge a fee to correct errors on your Card account due to incorrect Bpay instructions. (q) You acknowledge that the receipt by a biller of a mistaken or erroneous payment does not or will not constitute under any circumstances part or whole satisfaction of any underlying debt owed between you and that biller. (r) You should check your Card account carefully and promptly report to us, as soon as you become aware of them, any Bpay payments that you think are errors or are Bpay payments that you did not authorise. (Note: The longer the delay between the date of your Bpay payment and when you tell us of the error, the more difficult it may be to correct the error. For example, we or your biller may not have sufficient records or information available to us to investigate the error. If this is the case you may need to demonstrate that an error has occurred, based on your own records, or liaise directly with the biller to correct the error).

Page 30 of 59 Account Access (s) Your liability for unauthorised and fraudulent Bpay payments will be determined in accordance with Part 7 of these Credit Card Account Access Conditions of Use. (t) Disputes in relation to unauthorised, fraudulent or wrong Bpay payments will be handled in accordance with Part 9 of these Credit Card Account Access Conditions of Use, however, no chargeback rights are available in respect of a Bpay payment from your Card account. (u) If we make the wrong payment If a Bpay payment is made to a person or for an amount which is not in accordance with the instructions given to us and your Card account was debited with the payment, we will credit that payment amount to your account. (v) Biller consent If you tell us that a Bpay payment made from your Card account is unauthorised, you must give us your written consent addressed to the biller who received that Bpay payment, consenting to us obtaining from the biller information about your account with that biller or the Bpay payment, including your customer reference number and such information as we reasonably require to investigate the Bpay payment. If you do not give us that consent, the biller may not be permitted under law to disclose to us the information we need to investigate or rectify that Bpay payment. (w) Consequential damage and indemnity Subject to Part 7 of these Credit Card Account Access Conditions of Use and the ePayments Code: i. we are not liable for any consequential loss or damage you may suffer as a result of using the Bpay Scheme, other than due to any loss or damage you suffer due to the fraud, negligence, mistake or willful misconduct of us, our employees or agents, or in relation to any breach of a condition or warranty implied by law under consumer protection legislation in contracts for the supply of goods and services and which may not be excluded, restricted or modified at all or only to a limited extent; and ii. you indemnify us against any loss or damage we may suffer due to any claim, demand or action of any kind brought against us arising directly or indirectly because you: – did not observe any of your obligations under; or – acted negligently or fraudulently in connection with, this Clause 3.14.

Page 31 of 59 Account Access – However, this indemnity does not apply to the extent that the loss or damage was caused directly by the fraud, negligence, mistake or willful misconduct of us, our employees or agents.

Page 32 of 59 Account Access Part 4 – Pay AnyBody Conditions of Use 4.1 About this Part This Part (together with Parts 1, 6, 7 and 9) applies to all transactions involving the use of the Pay AnyBody Service (Pay AnyBody). Pay AnyBody is an extension of Bankwest Online Banking (see Part 3). If there is any inconsistency between this Part and Part 3, this Part prevails to the extent of that inconsistency. 4.2 What is Pay AnyBody? Pay AnyBody is a Service available via Bankwest Online Banking which allows a User to transfer funds from an account with us to: – another account (except a credit card account) held by you with another financial institution; or – another person’s account (except a credit card account) held with us or with another financial institution, by using the BSB number, account number and account name for the other person’s account. 4.3 Daily Pay AnyBody transfer limit The initial maximum aggregate amount of Pay AnyBody payments (including Faster Payments) that you may instruct us to make on any business day is $1,500. You may request this limit to be changed: a. online after registering for SMS Code Security or Secret Questions Security; or b. by contacting us. Approval of limit changes is subject to our sole discretion. Current information on these limits can be accessed in Bankwest Online Banking, by calling our Contact Centre on 13 17 19 or messaging us in the Bankwest App. Certain transactions may require SMS Code Security or Secret Questions Security at lower limits as determined by us from time to time.

Page 33 of 59 Account Access 4.4 Making a Pay AnyBody transfer (a) To make a Pay AnyBody transfer you must enter the BSB number, account number and account name in respect of the account to which the funds are to be transferred, together with a description of the transaction. If you are making a payment using a BSB and account number, it is your responsibility to ensure the BSB and account number are correct. You may use Confirmation of Payee (enhanced with our NameCheck technology) to confirm the account name of the BSB and account number you want to make a payment to or to give you a view on the likelihood that the account name you enter matches the account and prompt you to take further steps to ensure you are paying the intended recipient. If the Confirmation of Payee result indicates that the details do not look right, we strongly recommend you check the information entered and re-confirm the details with the intended recipient. We may limit or suspend your use of Confirmation of Payee if we believe it is reasonably necessary to protect you or us from possible fraudulent activity, scams or other activities that might cause you or us to lose money. We shall not be obliged to effect a Pay AnyBody transfer if the information is incomplete and/or inaccurate, there is a technical failure which prevents us from processing the transfer, the transfer would cause the credit limit of the card account or your daily Pay AnyBody transfer limit to be exceeded. (b) A Pay AnyBody transfer from the Card account is treated as a cash advance. 4.5 Postdated Pay AnyBody transfers (a) A Pay AnyBody transfer may be requested for a date in the future, however, we will only make the transfer if the requirements of Clause 3.10 are met. If the date stipulated is not a business day, we will make the transfer on the next business day. (b) A future-dated Pay AnyBody transfer may be altered or cancelled before its stipulated date, provided the instruction to alter or cancel the transfer is given before 11:30pm WST on the business day immediately prior to the stipulated date.

Page 34 of 59 Account Access 4.6 Cancelling a Pay AnyBody transfer We are not obliged to cancel a Pay AnyBody transfer once we have accepted the instruction to make it. It may be possible in some cases to cancel an initiated Pay AnyBody transfer. A fee is payable for any such cancellation. 4.7 Processing Pay AnyBody transfers (a) Generally, a Pay AnyBody transfer will be treated as received: – on the date we are told to make that Pay AnyBody transfer, if we receive the instruction before 3:00pm WST on a business day; or – on the next business day, if we receive the instructions after 3:00pm WST on a business day, or on a non-business day. Delays may arise because we need to verify that the transaction is an authorised transaction or due to the conduct of the recipient financial institution for which we will not be responsible. (b) If we are advised that a Pay AnyBody transfer cannot be processed by another financial institution, we will advise you, credit your Card account with the amount of the Pay AnyBody transfer, and take all reasonable steps to assist in making the Pay AnyBody transfer as quickly as possible. 4.8 If we make the wrong payment If a Pay AnyBody transfer is made to a person or for an amount which is not in accordance with the instructions given to us, and your Card account was debited with the payment, we will credit that payment amount to your account. 4.9 Mistakes as to the amount of a Pay AnyBody transfer Care must be taken by all users to enter the correct amount to be transferred. If the amount entered is greater than was intended you should seek a refund from the recipient. If less, a further transfer can be made.

Page 35 of 59 Account Access 4.10 Mistakes as to the account to which a Pay AnyBody payment is made (a) U nder the ePayments Code, there are certain processes regarding Mistaken Internet Payments that we and many other ADIs have adopted. They do not apply to transactions where the Pay Anybody service used is a service designed primarily for use by a business and established primarily for business purposes. These processes (which we agree to follow) are set out below. We will not otherwise have liability to you for Mistaken Internet Payments under this clause. (b) Overview i. You must report a Mistaken Internet Payment as soon as possible. For how to report a Mistaken Internet Payment, see clause 4.10(c). ii. We will acknowledge each report you make and investigate whether a Mistaken Internet Payment has been made. iii. If the relevant payment has been made to a Bankwest or CBA-branded Eligible Recipient Account, but we don’t agree that it was a Mistaken Internet Payment, we may (but are not obliged to) ask the consent of the recipient to return the funds to you. If consent is given, we will return the funds to you as soon as practicable. iv. If a Mistaken Internet Payment has been made to a Bankwest or CBA-branded Eligible Recipient Account held with us, we will return to you any funds we retrieve from the recipient. The process setting out how we retrieve Mistaken Internet Payments from the unintended recipient is set out in sub clause 4.10(d). v. If a Mistaken Internet Payment has been made to an Eligible Recipient Account held with another ADI, we will return to you any funds the Receiving ADI provides to us as soon as practicable. The process setting out how we retrieve Mistaken Internet Payments from a Recipient ADI is set out below in sub-clause 4.10(e). vi. Generally, we will return funds to you by crediting the account from which the Mistaken Internet Payment was made. If you no longer have an account with us, or if it is not practicable to credit returned funds to that account, we will return funds to you by some other means. vii. You may not retrieve the full value of your payment if:

Page 36 of 59 Account Access – we or the Receiving ADI do not think that a Mistaken Internet Payment has occurred (including because the payment you made was not to an Eligible Recipient Account); or – we or the Receiving ADI do not retrieve the full value of a Mistaken Internet Payment from the unintended recipient. viii. In any case, we will inform you of the outcome of your report of a Mistaken Internet Payment within 30 business days of you making it. ix. If you are not satisfied with how your report has been handled (by us or the Receiving ADI) or the outcome of your report, you can lodge a complaint with us. See Part 9 regarding how to lodge a complaint and how we will handle that complaint. (c) You may report a Mistaken Internet Payment by: – telephoning our Contact Centre on 13 17 19 ; – if you are overseas, telephoning us on +61 8 9486 4130 (To use this reverse charges number please contact the international operator in the country you are in and request to be put through to +61 8 9486 4130. Please note: we have no control over any charges applied by the local or international telephone company for contacting the operator). – messaging us in the Bankwest App; or – writing to us at GPO Box E237, Perth WA 6841. We will advise you of the steps you must take so we can investigate the matter. You must give us full details of the transaction you are querying. In order for us to investigate the payment, you must contact us promptly by messaging us in the Bankwest App or calling our Contact Centre on 13 17 19 . We will contact you if we require further information, and you must supply this information within 10 business days. (d) This sub clause 4.10(d) applies if we have determined that a Mistaken Internet Payment has been made to a Bankwest or CBA-branded Eligible Recipient Account. i. Despite paragraphs 4.10(d) (ii) and (iii) below, if the unintended recipient is receiving Services Australia income support payments or Department of Veterans’ Affairs payments, we will recover the funds from the unintended recipient in accordance with the Code of Operation:

Page 37 of 59 Account Access Recovery of debts from customer nominated bank accounts in receipt of Services Australia income support payments or Department of Veterans’ Affairs payments . ii. If the account into which the Mistaken Internet Payment was made does not have sufficient credit funds to return the full value of the payment, we (or CBA, as relevant) may debit the unintended recipient account for a partial or full amount of the Mistaken Internet Payment in accordance with the process and relevant timeframes described in 4.10(d)(iii) below. If we (or CBA, as relevant) choose to retrieve the full value of the funds from the unintended recipient account, we (or CBA, as relevant) will use reasonable endeavours to do so. iii. If the account into which the Mistaken Internet Payment was made has sufficient credit funds to cover the full value of the payment, the following applies: – If you have reported the Mistaken Internet Payment within 10 business days after the payment is made, we will return the funds to you. We will do this within 5 business days of determining that the payment is a Mistaken Internet Payment if practicable, although we may reasonably delay the payment up to a maximum of 10 business days. – If you have reported the Mistaken Internet Payment between 10 business days and 7 months after the payment is made, we will give the unintended recipient 10 business days to establish that they are entitled to the funds. If they do not establish this, we will return the funds to you within 2 business days after the expiry of that period. – If you have reported the Mistaken Internet Payment more than 7 months after the payment is made and the recipient’s account has sufficient credit funds, we will ask the unintended recipient if they agree to the return of the funds to you. If they agree, we will return the funds to you as soon as practicable. (e) If we have determined that a Mistaken Internet Payment has been made to an Eligible Recipient Account that is not a Bankwest or CBA-branded account, we will follow the ePayments Code process to attempt to retrieve your funds. This process is set out below. i. We will send the Receiving ADI a request for the return of the funds. The Receiving ADI is required to acknowledge this

Page 38 of 59 Account Access request within 5 business days and let us know whether there are sufficient funds in the unintended recipient’s account to cover the payment. ii. Despite paragraphs 4.10(e)(iii)-(v) below, if the unintended recipient is receiving Services Australia income support payments or Department of Veterans’ Affairs payments, the Receiving ADI must recover the funds from the unintended recipient in accordance with the Code of Operation: Recovery of debts from customer nominated bank accounts in receipt of Services Australia income support payments or Department of Veterans’ Affairs payments . iii. If the account into which the Mistaken Internet Payment was made does not have sufficient credit funds to return the full value of the payment, and the Receiving ADI agrees that a Mistaken Internet Payment has been made, the Receiving ADI may debit the unintended recipient account for a partial or full amount of the Mistaken Internet Payment in accordance with the process and relevant timeframes described in 4.10(e)(iv) below. If the Receiving ADI chooses to retrieve the full value of the funds from the unintended recipient account, they must use reasonable endeavours to retrieve the funds from the recipient for return to you. iv. If the account into which the Mistaken Internet Payment was made has sufficient credit funds to cover the payment, the following applies: – If you have reported the Mistaken Internet Payment within 10 business days after the payment is made and the Receiving ADI agrees that a Mistaken Internet Payment has occurred, the Receiving ADI is required to return the funds to us within 5 business days of receiving our request if practicable, although the Receiving ADI may reasonably delay the payment up to a maximum of 10 business days. – If you have reported the Mistaken Internet Payment between 10 business days and 7 months after the payment is made, the Receiving ADI has 10 business days to investigate whether the payment is a Mistaken Internet Payment. If the Receiving ADI agrees that a Mistaken Internet Payment has occurred, it will give the unintended recipient 10 business days to establish that they are entitled to the funds. If they do not establish this, the Receiving ADI must return the funds to us within 2 business days after the expiry of that period.

Page 39 of 59 Account Access – If you have reported the Mistaken Internet Payment more than 7 months after the payment is made, and the Receiving ADI agrees that a Mistaken Internet Payment has occurred, the Receiving ADI must ask the unintended recipient if they agree to the return of the funds. v. If the Receiving ADI doesn’t agree that a Mistaken Internet Payment has occurred, it may (but is not obliged to) ask the consent of the recipient to return the funds. vi. If the recipient agrees to the return of the funds, the Receiving ADI must return the funds to us. Part 5 – Recurring Payments 5.1 About this Part This section provides you with information about Recurring Payments. 5.2 Maintain a record of any Recurring Payments Cardholders are encouraged to maintain a record of any Recurring Payments they elect to enter into with a Merchant. You can ask us for a list of any Recurring Payments for up to the previous 13 months. 5.3 Changing Recurring Payments To either change or cancel a Recurring Payment, you should contact the Merchant at least 15 days prior to the next scheduled payment and if possible you should retain a copy of the change/ cancellation request made to the Merchant. Until you attempt to cancel the Recurring Payment we must accept any instructions received from the Merchant. If a merchant is registered for the Mastercard Automatic Billing Updater service, your Recurring Payment to the merchant will continue after your Card has been changed to a new product, replaced due to damage, or after an old Card has expired and a new Card issued in its place. This is because the Mastercard Automatic Billing Updater service automatically informs those merchants of your replacement Card details, so that your Recurring Payment is not interrupted.

Page 40 of 59 Account Access Please note that if we have issued you with a new Card to replace a Card that was lost, stolen, or subject to possible fraud, the Card details of that new Card will not be subject to the Mastercard Automatic Billing Updater service. Change of Card Details Should your Card Details change, you must request the Merchant change the details of the existing Recurring Payment to ensure it continues. If you fail to make this request your Recurring Payment either may not be honoured by us, or the Merchant may stop providing the goods and/or services. However, if we issue new Card details to you due to the re-issue of an expired Card, the replacement of a Card due to damage, or a changed Card product, your Recurring Payment will continue uninterrupted to merchants who are registered for the Mastercard Automatic Billing Updater service. Given that not all merchants are registered for the Mastercard Automatic Billing Updater service, you remain responsible for giving your new Card details to the merchant you wish to pay via a Recurring Payment. Please note that if we have issued you with a new Card to replace a Card that was lost, stolen, or subject to possible fraud, the Card details of that new Card will not be subject to the Mastercard Automatic Billing Updater service. This means that you must request the merchant to change the details of the existing Recurring Payment to ensure it continues. Should you elect to close your Card account or we close your Card account you should contact the Merchant to revise your Recurring Payment as the Merchant may stop providing the goods and/or services. Part 6 – Security of Access Methods 6.1 What do users need to do to safeguard their Access Methods? Users must protect relevant Access Methods to prevent unauthorised access to their Card account. Users must take care to ensure that access methods are not misused, lost or stolen and that secret codes do not become known to anyone else.

Page 41 of 59 Account Access 6.2 Guidelines This clause contains guidelines which should be followed by users to guard against unauthorised use of an Access Method. These guidelines provide examples only of security measures and will not determine your liability for losses resulting from any unauthorised transactions. Liability for unauthorised transactions will be determined in accordance with Part 7 of these Credit Card Account Access Conditions of Use and the ePayments Code. To protect the Card: – sign the Card as soon as it is received; – carry the Card whenever possible; – always keep the Card in a safe, secure place and check regularly to ensure it has not been lost or stolen; – never lend the Card to anybody or permit any other person to use the Card or Card Details; and – when the transaction is complete remember to take the Card and the transaction receipt. To protect the Card Details: – do not give or tell the Card Details to anyone; and – use care to prevent anyone seeing the Card Details when entering them at Electronic Equipment. To protect the Secret Code: – where the Secret Code is issued by us, memorise the Secret Code when it is received. Once memorised, destroy our notice of the Secret Code. If a User forgets the Secret Code they may apply to us for it to be reissued; – if given the option to select a Secret Code, users should not select a Secret Code which represents a name, date, telephone number, car registration or anything else that could be associated with them, or select a Secret Code which has an easily retrievable combination (such as repeated numbers or letters); – never tell or show a Secret Code to anyone, including a family member, friend or persons in authority (such as a bank officer or police officer); – do not record a Secret Code on the Card and/or Security Token; – do not record the Secret Code on anything which is kept with or near the Card or Security Token without making a reasonable attempt to disguise the Secret Code;

Page 42 of 59 Account Access – do not keep a record of the Secret Code (without making any reasonable attempt to disguise the Secret Code) with any article kept with the Card or Security Token which is liable to be lost or stolen simultaneously with the Card; – do not record the Secret Code on a computer or telephone or related articles without making a reasonable attempt to disguise the Secret Code or prevent unauthorised access to the records; – do not keep the Card or Security Token and a Secret Code together, for example in a bag or wallet, in a car or in the same piece furniture; – do not keep a record of the Secret Code with any document containing the reference numbers for the Card account such as statements; and – if a User suspects that someone else may know a Secret Code or that an unauthorised person is using a Secret Code, they should contact us immediately to request the issue of a new Secret Code. We do not consider the following to be reasonable attempts to disguise a Secret Code: – recording the disguised Secret Code on their Card; – disguising the Secret Code by reversing the number sequence; – describing the disguised record as a secret code record; – disguising the Secret Code as a telephone number where no other numbers are recorded; – disguising the Secret Code as a telephone number, postcode, amount or date with the Secret Code in its correct sequence within the number; – disguising the Secret Code using alphabetical characters, i.e. A=1, B=2, C=3 etc. or in any other easily understood code; or – recording the Secret Code as a series of numbers or letters with any of them marked to indicate the Secret Code. Users must not use any other forms of disguise which are similarly unsuitable because another person can easily work out the Secret Code. At Electronic Equipment: – be careful to prevent anyone else from seeing the Secret Code being entered; – watch out for mirrors, security cameras or any means which enable other people to see the Secret Code being entered;

Page 43 of 59 Account Access – when the transaction is complete remember to take the Card, transaction receipt and any cash; and – do not access Phone Banking or Bankwest Online Banking directly from a facility where the details entered may be recorded by a third party, e.g. a hotel telephone or a computer at an internet cafe. To protect the Security Token: – carry the Security Token whenever possible; – always keep the Security Token in a safe, secure place and check regularly to ensure it has not been lost or stolen; – do not record account numbers, your PAN, or Secret Code details on the Security Token; – do not drop the Security Token or expose it to high heat, water or attempt to dissemble it; – do not keep the Security Token with any document containing the reference numbers for nominated accounts or with other account information such as statements or cheque books; – do not lend the Security Token to anyone, or permit anyone to use the Security Token. To protect the security of a Mobile Wallet: – the user should ensure that any secret code we give a user to establish a Mobile Wallet on a mobile device should not be disclosed to anyone else; – where a mobile device can be accessed by a Biometric Identifier, the User you should ensure only the User’s Biometric Identifier is registered on the mobile device; – where the mobile device is accessible by a secret code, the secret code must be kept secure by the user. It must not be disclosed to anyone else (even a family member), a record of the secret code must not be kept with the mobile device, or with or in anything with which the mobile device is stored unless reasonable steps have been taken to protect it; – any secret code selected must not be easy to guess or decipher, such as a user’s date of birth or other number associated with the User; – a User must not act with extreme carelessness in relation to the security of the secret code; – a User must ensure the mobile device is locked at all times when it is not being used, and is not left unattended in a non-secure environment;

Page 44 of 59 Account Access – a User must install and regularly update anti-virus software on the mobile device; – a User must ensure that only the user accesses the Mobile Wallet to use the User’s Card and that it is not accessed or used by anyone else, even if that person has the User’s permission; and – a User must remove any Card from the User’s mobile device before disposing of the mobile device. To protect the Payment Device: – keep the Payment Device in a safe, secure place and check regularly to ensure it has not been lost or stolen; – do not expose the Payment Device to high heat, or attempt to dissemble it or keep it near electromagnetic fields; – do not keep the Payment Device with any document containing the reference numbers for nominated accounts or with other account information such as statements or cheque books; and – do not lend the Payment Device to anyone, or permit anyone to use the Payment Device. Biometric identifiers and Secret Codes If another person’s Biometric Identifier is loaded onto a User’s mobile device, you must ensure that the relevant User takes immediate steps to remove the Biometric Identifier from the relevant mobile device, otherwise any transaction using that Biometric Identifier will not be an unauthorised transaction for the purposes of determining liability. Reporting security concerns to Bankwest You must notify Bankwest immediately if: – a User’s mobile device is disconnected without the knowledge or permission of the User; or – you or any User suspects that someone has used the mobile device or a secret code to conduct an EFT Transaction or otherwise tried to access the mobile device or Mobile Wallet.

Page 45 of 59 Account Access Part 7 – Loss, Theft or Unauthorised Use of Your Access Method 7.1 What users have to do If: – any Card; – Payment Device; – Security Token; or – mobile device on which a Card has been loaded using a Mobile Wallet, has been lost, stolen or used without authorisation, or a Secret Code has become known to someone else, you or any Additional Cardholder must immediately tell us or, in the case of a Card or Payment Device, tell any bank displaying the Mastercard symbol, in writing or by calling us. We will require all information about how the loss, theft or unauthorised use occurred. We will issue a notification number which should be kept as evidence of the date and time of the notification. If for any reason the emergency telephone facility is unavailable and this prevents the User from calling us you will not be liable for any unauthorised transactions which could have been prevented during this period if the User had been able to telephone us. However, the User must notify us within a reasonable time of the emergency facility becoming available again. 7.2 What is your liability for unauthorised EFT Transactions? You are liable for all EFT Transactions carried out in respect of your Card account with the knowledge and consent of a User, including where we use our NameCheck technology to give you a view on the likelihood that the account name you enter matches the account and to prompt you to take further steps to ensure you are paying the intended recipient, except where a Mobile Wallet is used. Part 7A deals with liability for transactions made using a Mobile Wallet.

Page 46 of 59 Account Access 7.2.1 When you are not liable You will not be liable for any unauthorised EFT Transactions that occur: – before the User has received their Card, Payment Device, Security Token or Secret Code (as relevant); – in connection with a Card, Payment Device or security token (as relevant) after we receive notification of the misuse, loss or theft or where the secret code has become known to someone else; – relating to any component of an Access Method that is forged, faulty, expired or cancelled; – by the fraudulent or negligent conduct of our employees or agents, or the employees or agents of merchants or of companies or persons involved in the EFT system; – where it is clear that the User has not contributed to the loss; or – due to the same transaction being incorrectly debited more than once to the Card account. 7.2.2 When you are liable You will be liable for losses in respect of a Card account caused by an unauthorised EFT Transaction where we prove on the balance of probabilities that the User has contributed to losses by: – the User’s fraud; – (in all cases except where the unauthorised EFT Transaction was made using Bankwest Online Banking and the User has been issued with a Security Token) voluntarily disclosing the Secret Code to anyone, including a family member or friend; – (where the unauthorised EFT Transaction was made using Bankwest Online Banking and the User has been issued with a Security Token) voluntarily disclosing the Token PIN and showing the Security Token or otherwise disclosing the Token Code to anyone, including a family member or friend; – (where the unauthorised EFT Transaction was made using Bankwest Online Banking and the User has been issued with a Security Token), either : i. voluntarily disclosing the Token PIN, or ii. showing the Security Token (or otherwise disclosing the Token Code), to anyone, including a family member or friend, where this disclosure is more than 50% responsible for the losses when all contributing causes are assessed together;

Page 47 of 59 Account Access – (in all cases except where the unauthorised EFT Transaction was made using Bankwest Online Banking and the User has been issued with a Security Token), indicating a Secret Code on the Card, or keeping a record of a Secret Code (without making any reasonable attempt to protect the security of the record) on the one article, or on several articles, carried with the Card or liable to loss or theft simultaneously with the Card; – (where the unauthorised EFT Transaction was made using Bankwest Online Banking and the User has been issued with a Security Token) indicating the Token PIN on the Security Token, or keeping a record of the Token PIN (without making any reasonable attempt to protect the security of the code record) on the one article, or on several articles, carried with the Security Token or liable to loss or theft simultaneously with the Security Token; – where the Access Method comprises a Secret Code without a Card or Security Token, keeping a record of a Secret Code (without making any reasonable attempt to protect the security of the code records) on the one article, or on several articles that are liable to loss or theft simultaneously; – when changing a Secret Code, selecting a Secret Code which represents the User’s birth date or a recognisable part of the User’s name; – acting with extreme carelessness in failing to protect the security of the Secret Code; or – leaving a card in an ATM, as long as the machine incorporates reasonable safety standards that mitigate the risk of a card being left in the machine (for example, the machine captures cards that are not removed after a reasonable time or requires that the card be removed from the machine before the transaction can proceed). You will be liable for the losses which occur before we are notified of the unauthorised use, loss or theft of the Card or Payment Device or Security Token, or breach of the security of the Secret Code; or by unreasonably delaying notifying us of the unauthorised use, theft or loss of the Card, Payment Device or Security Token, or that the Secret Code has become known to someone else; You will be liable for the losses which occur between when the User became aware of the loss, theft or unauthorised use (or should reasonably have become aware in the case of a lost or stolen Card, Payment Device or Security Token) and when we were actually notified.

Page 48 of 59 Account Access However, in all cases you will not be liable for: (a) that portion of the loss incurred on any one day which exceeds any applicable daily transaction limits; (b) that portion of the loss incurred in a period which exceeds any other periodic transaction limit applicable to that period; (c) losses incurred on any accounts which you had not agreed with us could be accessed using the Access Method; (d) losses that would exceed the amount of your liability had we exercised our rights (if any) under the Credit Card scheme rules against other parties to that scheme; (e) that portion of the loss which exceeds the credit limit of the Card account; or (f) losses directly incurred as a result of our act or omission. 7.2.3 When your liability is limited Where a Secret Code was required to perform the unauthorised EFT Transaction and Clause 7.2.2 does not apply, your liability for any loss in respect of the Card account arising from an unauthorised EFT Transaction, if the loss occurs before you notify us of the unauthorised use, loss or theft of the Card or Security Token or the Password becoming known to someone else, is lesser of: – $150; – the actual loss at the time we are notified of the unauthorised use, loss or theft of the Card or Security Token or of the Secret Code becoming known to someone else (except that portion of the loss that exceeds any daily or periodic transaction limits applicable to the use of your Access Method or Card account); – the credit limit of the Card account; or – the amount of your liability had we exercised our rights (if any) under the Credit Card scheme rules against other parties to the scheme. 7.2.4 Notwithstanding any of the provisions contained in this clause, your liability will not exceed your liability under the ePayments Code.

Page 49 of 59 Account Access 7.3 What is your liability for other unauthorised transactions? If, in cases not involving EFT Transactions, a Card is used without a User’s authority, you are liable for the actual loss arising from the transaction at the time we are notified of the unauthorised use (except that portion of the loss incurred on any one day that exceeds any applicable daily transaction or other periodic transaction limit) less any amount recovered by us in the exercise of our rights (if any) under the Credit Card scheme rules against other parties to that scheme. 7.4 When the electronic banking system or EFT Terminal malfunctions or breaks down In the event that an EFT Terminal malfunctions or breaks down, manual procedures may be available from the Merchant for retail transactions by using the Card and a signature authorisation procedure. You will not be responsible for any loss you suffer because our system or our equipment accepted a User’s instructions but failed to complete the transaction. If the users were or should have been aware that the EFT system or equipment was unavailable for use or malfunctioning then our liability is limited to correcting any errors in your Card account and the refund of any charges or fees imposed on you as a result. Please advise us if an EFT Terminal has a service fault or difficulty. Users can do this by telephoning us or by messaging us in the Bankwest App.

Page 50 of 59 Account Access Part 7A – Liability For Mobile Wallet Transactions 7A.1 Application of this Part This Part deals with liability for EFT Transactions which are carried out using a Mobile Wallet and a mobile device. 7A.2 Authorised transactions You are liable for all EFT Transactions carried out in respect of your Card account with a user’s mobile device and a Mobile Wallet including: – EFT Transactions carried out in respect of your Card account with the knowledge and consent of a User; and – EFT Transactions which were able to be carried out as a result of a failure to comply with the security measures described for mobile devices and Mobile Wallets in clause 6.2. 7A.3 When you are not liable for EFT transactions made using a Mobile Wallet You will not be liable for losses in respect of a Card account caused by an EFT Transaction made using a Mobile Wallet: (a) resulting from unauthorised use of a Card before the User has received the Card; (b) in connection with a Card, after we receive notification of the misuse, loss or theft or where the secret code has become known to someone else; (d) caused by the fraudulent or negligent conduct of employees or agents of: i. us; ii. any organisation involved in the provision of the EFT system; or iii. any Merchant; (e) where it is clear that the User has complied with all of the security measures described for mobile devices and Mobile Wallets in clause 6.2; or (f) caused by the same transaction being incorrectly debited more than once to the same account.

Page 51 of 59 Account Access Part 8 – Payment Device Conditions of Use 8.1 About these conditions If your Card account is of a type that we have determined may be linked to a Payment Device, Part 8 (together with Parts 1, 6, 7, and 9) of these Conditions of Use applies to all transactions involving the use of: – tapping the Payment Device and entering a user’s PIN to make payments at merchant terminals; and – the Payment Device to make contactless payments at merchant terminals from your Card account. There is a limit of one Payment Device per User for each Card account and a Payment Device cannot be used to access more than one Card account. 8.2 All Payment Devices remain our property Should you request a Payment Device be linked to your Card account, we may charge you a fee for the manufacture, use and set up of the Payment Device which will be described in the relevant Credit Card Schedule. All Payment Devices remain our property at all times until such time as: – you request us to cancel your use of the Payment Device; – you close your Card account that the Payment Device is linked to; – expiry of the Payment Device; – expiry of the Card account that the Payment Device is linked to; or – electronic access to your Card account has been cancelled in accordance with clause 1.5. Notwithstanding the above, we retain the right to terminate a user’s licence to use the Payment Device at any time. If we exercise this right within one year from the date that a user’s Payment Device was first issued and do not replace the Payment Device, we will give you a pro-rata refund of any fee paid for the Payment Device.

Page 52 of 59 Account Access 8.3 Use of the Payment Device In order to use a Payment Device, you must have activated the linked Card in respect of the Card account. You can activate a Card by following the directions that we will provide for that purpose. The Payment Device is valid only for the period of the linked Card. On expiry, you will need to request the issue of a further Payment Device and pay any applicable Payment Device fee. If a Payment Device is used outside Australia, all charges, purchases and/or cash advances in foreign currency are converted, from foreign currency to Australian currency by Mastercard International Incorporated at a wholesale exchange rate selected by Mastercard International Incorporated on the processing date, which rate may differ from the rate applicable to the date the transaction occurred and that applicable to the date the transaction was posted. For all transactions effected by a foreign currency or transactions occurring outside Australia (whether effected in foreign currency or Australian dollars) or while you are in Australia (for example, online) where the merchant or the financial institution or entity processing the transaction, is located overseas, we will charge the Foreign Transaction Fee as described in the Financial Table of the Credit Card Schedule. 8.4 Types of transactions that can be made Purchases of an amount up to the contactless payment threshold can be performed by using the Payment Device and making contactless payments at merchant terminals. For purchases above the contactless payment threshold, a user must ‘tap’ their Payment Device on the merchant terminal and enter their PIN to complete the transaction. The user should make sure the correct transaction details are displayed on the merchant terminal and wait for the transaction confirmation. No other transactions are permitted using the Payment Device. 8.5 Transactions needing authorisation Transactions on the Card account that the Payment Device is linked to may need to be authorised by us. We may decline to authorise a transaction if: – you are behind in making payments to that Card account; – the credit limit on the Card account is exceeded; or – there is good reason to do so (including security reasons).

Page 53 of 59 Account Access If you, or the merchant, do not proceed with a transaction after it has been authorised by us your available balance may be reduced for at least seven business days. 8.6 Transactions at EFT Terminals When a user makes an EFT transaction at an EFT terminal using the Payment Device and PIN or Payment Device and contactless payment you authorise us to act on the instructions entered into the EFT terminal. Users should make sure that the correct details are entered into the EFT terminal before authorising a transaction and that the completed transaction is in accordance with those instructions. All vouchers and transaction records should be kept to help check statements. EFT transactions may not be processed to Card account that the Payment Device is linked to on the day they are made. Processing may take a number of days. We will process transactions to your Card account as soon as practicable after receipt. You should observe the guidelines set out in Part 7 of these Conditions of Use to ensure the security of your access method when transacting at an EFT terminal. 8.7 Use of a Payment Device at merchants, financial institutions or our agents To the extent permitted by law and the ePayments Code we do not accept responsibility for the actions of a merchant, financial institution or our agent who: – refuses to honour a Payment Device; or – imposes limits or conditions on use of a Payment Device. Unless required by law we will not be liable for goods or services supplied using a Payment Device. Users must take up any complaints or concerns directly with the merchant and any refund is a matter between the user and the merchant. If a refund is obtained from an overseas merchant, there may be a difference in the Australian dollar values due to movements in the foreign exchange rates. You take the risk of currency fluctuations between the date of purchase and the date of refund. We have no control over and take no responsibility for the hours a merchant, financial institution or our agents may be open for business. Times when an EFT terminal is available will depend on

Page 54 of 59 Account Access the opening hours of the relevant merchant, financial institution or agent. If you provide a merchant with your Payment Device details (by tapping your Payment Device at a merchant terminal): – to enable the merchant to complete a transaction in the future (e.g. authorises a public transport provider for additional rides in the day); or – to pay for goods and services in advance even if you later decide not to take the good or use the services; You authorise the merchant to complete the transaction. 8.8 Payment Devices The Australian Consumer Law provides for certain warranties in relation to products and services, including Payment Devices. For example, you are entitled to a replacement or refund of any Payment Device fee where the Payment Device is faulty. You are also entitled to have the Payment Device repaired or replaced if it is not of an acceptable quality. Should we be unable to issue you with a Payment Device, we will refund any relevant fee. We warrant that the Payment Device will be free from defects in material and workmanship under normal use for period is which the Payment Device is valid. We are not responsible for damage arising from failure to follow the instructions relating to the use of the Payment Device. To the extent permitted by applicable law, including the Australian Consumer Law: – other than to the extent that we or our representatives have made a representation on which it is reasonable for you to rely we do not make any express or implied warranty or representation in connection with the Payment Device (including type, quality or standard of fitness for any purpose); – other than to the extent that we or our representatives have made a representation on which it is reasonable for you to rely do not make any express or implied warranty as to the reliability of any software or hardware elements which when assembled represent the Payment Device; and – are not liable for any loss you suffer (including any direct or consequential loss) arising in connection with the Payment Device (whether due to a failure to provide the Payment Device or its loss, theft or destruction), other than to the extent that the loss is directly caused by our act or omission.

Page 55 of 59 Account Access Part 9 – Procedures For Handling Errors and Disputed Transactions The entirety of Part 9 applies to unauthorised transactions and disputed transactions (chargebacks), and reflects our obligations under the ePayments Code. Clauses 9.1 – 9.3 do not apply to: – general complaints (including complaints about compliance with the ePayments Code) - please see the Banking Services Rights and Obligations booklet (available on the Bankwest website) for information about how to make general complaints; – reports of Mistaken Internet Payments under the ePayments Code, which have a separate process set out in clause 4.10. For how to report a Mistaken Internet Payment, see clause 4.10(c). If you have a complaint regarding how we or a Receiving ADI have handled a report of a Mistaken Internet Payment, it will be addressed as per the Banking Services Rights and Obligations booklet (available on the Bankwest website). 9.1 How will any errors, mistakes and disputes be handled? If you believe an entry on your Card Account statement is wrong or unauthorised, you should promptly tell us by: – using the Bankwest App; – messaging us in Online Banking; – following the procedure set out on our website; or – telephoning us. To assist in the dispute resolution process, you will need to provide the following information: – your name, address, credit card number and account details; – details and amount of the transaction, charge, refund or payment in question; and – supporting documentation (examples being: credit card receipt, delivery advice). We will notify you of the name and contact number of the officer investigating your matter.

Page 56 of 59 Account Access We have the right under the Credit Card scheme rules to seek the reversal of a credit card transaction, involving a ‘chargeback’ or debiting of the credit card transaction to the Merchant’s account with its financial institution including for Recurring Payments. We may do so on certain grounds, for instance if you claim that an unauthorised transaction, debited to your account was incorrectly charged and you or any Additional Cardholder did not contribute to the loss. We will claim a chargeback right where one exists under the Credit Card scheme rules. Please note, however, that no chargeback right will exist in relation to Bpay payments from your Card account (see Clause 3.14 (t)). We will use our best efforts to chargeback a disputed transaction for the most appropriate reason. This does not mean that the disputed transaction will necessarily be charged back. The Merchant’s financial institution must first accept the claim in order for your claim to be successful. If the Merchant’s financial institution rejects a chargeback, we will not accept that rejection unless we are satisfied that the rejection is reasonable and is consistent with the Credit Card scheme rules. You should make every effort to report a disputed transaction within 14 days of the date of the account statement which itemises the disputed transaction, so that we may reasonably ask for a chargeback where such right exists. Failure to report a disputed transaction, charge, refund or payment, and/or provide additional information within this timeframe could affect our ability to claim a chargeback right (if any) under the Credit Card scheme rules. These rules all impose time limits on reporting disputed transactions, charges, refunds or payments. In certain circumstances where the ePayments Code applies, there may be no such timeframes imposed upon your right to make a claim or report a disputed transaction. 9.1.1 If we are unable to resolve the matter within 5 business days to both your and our satisfaction we will advise you in writing of our procedures for further investigation and handling of your matter. 9.1.2 Within 21 days of you reporting your matter to us (or, if we resolve your matter by exercising our rights under the Mastercard

Page 57 of 59 Account Access scheme rules, within the time period specified in those rules), we will advise you in writing of either: – the outcome of our investigation; or – the fact that we need more time to complete our investigation. We will complete our investigation within 45 days (or, if we resolve your matter by exercising our rights under the Mastercard scheme rules, within 60 days) of you reporting your matter to us, unless there are exceptional circumstances. 9.1.3 Subject to Clause 9.1.4, if we are unable to resolve your matter within 45 days we will write to you and let you know the reasons for the delay and provide you with monthly updates on the progress of our investigation and its likely resolution date, except where we are waiting for a response from you and you have been advised that we require such a response. 9.1.4 If we resolve your complaint by exercising our rights under the Credit Card scheme rules we will: – apply the time limits under those rules to Clause 9.1.2; – comply with Clause 9.1.3 as if the reference to ‘45 days’ read ‘60 days’ and the reference to ‘monthly updates’ read ‘updates every two months’; – inform you when you can reasonably expect a decision; and – suspend your obligation to pay any amount which is the subject of your complaint or any credit or other charges related to that amount until your complaint has been resolved. 9.2 Outcome If required under the ePayments Code, on completion of our investigation, we will advise you in writing of the outcome of our investigation and the reasons for our decision, with reference to the relevant provisions of these Credit Card Account Access Conditions of Use and the ePayments Code. If we decide that your Card account has been incorrectly charged or credited, we will adjust your account (including any interest and charges) and notify you in writing of the amount of the adjustment. If we decide that you are liable for all or any part of a disputed transaction, we will supply you with copies of any document or other evidence on which we base our findings if these show that your Card account has not been incorrectly charged or credited. We will also advise you if there was any system or equipment malfunction at the time of the transaction. We will advise you in writing that, if you are not satisfied with our findings, you may request a review.

Page 58 of 59 Account Access 9.3 If you are not satisfied If you are not satisfied with our findings or have a complaint or dispute, you may request our Customer Relations Department to review the matter. Contact them by writing to: Manager Customer Care GPO Box E237 Perth WA 6841 or phone to: Telephone: Freecall 1800 650 111 Additionally, you may be able to refer the matter (free of charge) to: Australian Financial Complaints Authority GPO Box 3 Melbourne VIC 3001 Telephone: 1800 931 678 Website: www.afca.org.au Email: info@afca.org.au You may also be able to refer your matter to consumer affairs departments or small claims tribunals. 9.4 If we fail to comply with these procedures If we fail to observe the procedures set out in this clause or the ePayments Code for handling disputes, allocating liability or communicating the reasons for our decision and that failure contributes to our decision or delays the resolution of your matter, we may be liable for part or all of the amount of a disputed transaction.

Page 59 of 59 Account Access Part 10 – Privacy (a) We may collect personal information about you or a User (including any mobile device of you or a User to which a Card has been loaded using a Mobile Wallet) for the purposes of providing our products and services and may use and disclose that information in accordance with our Privacy Statement. (b) We may disclose personal and transactional information (including any mobile device of you or a User to which a Card has been loaded using a Mobile Wallet) to others in order to execute instructions given to us (including use of the Bpay Scheme), or in order to investigate a Mistaken Internet Payment, including: i. any party nominated to receive a payment; ii. Bpay Pty Ltd and any agent appointed to it from time to time, including Cardlink Services Ltd who provides the electronic systems to implement the Bpay Scheme; iii. any party we may use in sending SMS Code to you; and iv. agents and contractors we may use in providing any of our Services; and v. a Receiving ADI or unintended recipient in relation to a Mistaken Internet Payment. (c) Users may have access to the personal information we hold about them at any time by asking us. Where that personal information is incorrect, Users may have their personal information corrected. (d) You can request access to information held by Bpay Pty Ltd or its agent Cardlink Services Ltd using the contact details supplied in Clause 1.1. For more details of how we handle your personal information, please refer to our Privacy Statement, available from our website bankwest.com.au or by telephoning us.

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bankwest.com.au Bankwest, a division of Commonwealth Bank of Australia ABN 48 123 123 124 AFSL / Australian Credit Licence 234945. 28 May 2026 BWA-8105 280526

Source: https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20051111-093533.pdf

Credit Cards Conditions of Use.

About these Conditions of Use Your Card Contract comprises:

these Conditions of Use;
the Credit Card Schedule; and
the Credit Card Account Access Conditions of Use. Before you activate your Card Account you should read all these documents carefully and ensure each Additional Cardholder does likewise. Together these documents contain the information we are required by law to give you and you should keep them for future reference. This document does not contain all of the information we are required to give you before entering into a credit contract. Other information is contained in the Credit Card Schedule and the Credit Card Account Access Conditions of Use. You should also read both the Information Statement and the Privacy Collection Notice, which appears at the end of this document. Copies of the Conditions of Use are available on request from our Contact Centre or on our website bankwest.com.au or by messaging us in the Bankwest App. If you have linked your Card to a nominated cheque or savings account, the use of the Card to access that nominated cheque or savings account will not be governed by any of the above Conditions of Use but will be governed by the Bankwest Account Access Conditions of Use. In that event the Card will be treated as a Debit/Access Card for the purposes of those Conditions of Use. Information on standard fees, charges and any interest rates is available on request.

About these Conditions of Use Customer enquiries Please call 13 17 19 , message us in the Bankwest App or visit bankwest.com.au . Where to report lost or stolen cards or suspected unauthorised transactions (24 hours): Through the Bankwest App or Online Banking, including by messaging us. Within Australia 13 17 19 (cost of a local call). Outside Australia +61 8 9486 4130 (to use this reverse charges number please contact the international operator in the country you are in and request to be put through to +61 8 9486 4130). Please note: we have no control over any charges applied by the local or international telephone company for contacting the operator.

Page 4 of 43 Credit Card Conditions of Use Contents

Definitions 6
The Card Contract 8
Activation and acceptance 9
Balance Transfers, Easy Instalments Plans and Card Contract Variations 9
Opening a Card Account 10
Statements of account 10
Changes to your Card Contract 11
Changes in your particulars 13
Service of notices 13
Banking Code of Practice 14
Applicable law 14
Evidence 14
Assignment of rights and disclosures 14
Exercise of our rights 15
The Card 15
Can another person have a Card on your Card Account? 15
How do you know the Card (excluding a Virtual Card) is valid? 16 17A. How do you know a Virtual Card is valid? 16
Can your Card Account be closed or access to it be cancelled? 17
Credit limit 19
What happens if I make a purchase in a foreign currency or overseas? 20

Page 5 of 43 Credit Card Conditions of Use 21. Can the Card Account have a credit (positive) balance? 20 22. What fees are payable? 20 23. Do you have to pay government fees and charges? 21 24. How are interest charges calculated? 21 25. How much do you have to pay? 25 26. What if you make a payment that is subsequently dishonoured? 26 27. How do we apply payments from you? 26 28. How can you make payments? 26 29. Default 27 30. Is your Card Account secured by mortgage or other security? 28 31. Our right to combine accounts 28 32. Additional Obligations 28 33. Making Adjustments 29 34. Marketing and commercial messages 29 Credit Guide 31 Information Statement 35 The contract 35 Insurance 37 General 37 Important 38 Privacy Collection Notice 39

Page 6 of 43 Credit Card Conditions of Use

Definitions Additional Cardholder means a person 16 years or over nominated by you and authorised by us to operate your Card Account alone. Annual Balance Transfer Percentage Rate means the interest rate set out in the Schedule described as such. Annual Cash Advance Percentage Rate means the interest rate set out in the Schedule described as such. Annual Fee Free Card means a Card described as such in the Schedule. Annual Purchase Percentage Rate means the interest rate set out in the Schedule described as such. Balance Transfer means the transfer by us of any debit balance of any Australian non-Bankwest credit card, store card or charge card account which you ask us to transfer, and which we agree to transfer, to the Card Account. Biller means an organisation who tells you that you can make bill payments to them through the BPAY ® scheme. BPAY payment means a payment to a Biller through the BPAY Scheme. BPAY Pty Ltd means BPAY Pty Limited ABN 69 079 137 518 GPO Box 3545 Rhodes, NSW 2138. Tel: (02) 9646 9222. BPAY Scheme means the electronic payments scheme through which you can ask us to make payments on your behalf to Billers who advise that payment can be made to them through the BPAY Scheme. Business Day means a weekday including local public holidays but excluding holidays observed on a national basis. Card means the Mastercard ® issued by us, including the electronic microchip that may be embedded in the Card and where one has been issued, includes a Virtual Card. Card Account means the accounts(s) we set up to record transactions under the Card Contract. Card Contract means the contract between you and us comprising these Conditions of Use, the Schedule and the Credit Card Account Access Conditions of Use. Card Contract Variation means the variation of your Card Contract which you request and we agree to, including changes to the Card Account, the type of Card you have, the interest rate, fees and product features. Card Details means the information printed or displayed on a Card and includes, but is not limited to, the Card Account number and expiry date.

Page 7 of 43 Credit Card Conditions of Use Credit Card Scheme Rules means, as relevant, the Credit Card rules of Mastercard International Incorporated. Easy Instalments Plan means an arrangement where you request that an agreed balance is to be paid off in a specified number of instalments. ePayments Code means the ePayments Code issued by ASIC. Financial abuse is a serious form of domestic and family violence that may occur through a pattern of control, and results in exploitation or sabotage of money and finances which affects an individual’s capacity to acquire, use and maintain economic well-being and which threatens their financial security and self-sufficiency. Merchant means a supplier of goods or services. National Credit Code means Schedule 1 to the National Consumer Credit Protection Act 2009 (Cth) and includes any instruments made under that Schedule and regulations made under that Act for the purposes of that Schedule. NFC means near field communication. Payment Device means a NFC enabled payment accessory (other than a Mobile device or Card including without limitation a ring, key fob or other device which is NFC enabled and which is provided to you and owned by us to make payments from your Card Account. Effective 28 SEP 2021 the Bankwest Halo payment device is withdrawn from sale. Customers who already hold a Bankwest Halo payment device can continue using it until the expiry date of the device, however from 1 December 2021 the Bank will no longer reissue or replace any existing Bankwest Halo payment device. Nominated Account means an account with us, other than the Card Account or any other credit card account with us, which you nominate and which we authorise you to access by using your Card in accordance with the Bank’s ‘Account Access Conditions of Use’. Additional Cardholders will have automatic authority to operate the Nominated Account in their own right. Recurring Payment means an arrangement where you have given your Card Details to a merchant service provider to regularly charge your Card Account. Schedule means the Credit Card Schedule provided to you, which contains the financial table, and forms part of your Card Contract. Statement Period means any period in which a statement of account is issued. Unauthorised means without the knowledge or consent of a User. User means you and/or any Additional Cardholder.

Page 8 of 43 Credit Card Conditions of Use Virtual Card means a type of Card that from 19 March 2025: – may be provided to you to access the Card Account on the terms set in your Card Contract, via a request made by you through the Bankwest App; – that exists solely in virtual (digital) form (i.e. a Virtual Card is not available in physical form); – uses Mastercard payment infrastructure; – contains Card Details not replicated on any other Mastercard issued in connection with the Card Account; and – may be used either on a single-use basis, or a multi-use basis (see section 17A of these Conditions of Use). we , us , the Bank or Bankwest means Bankwest, a division of Commonwealth Bank of Australia ABN 48 123 123 124 AFSL/ Australian credit licence 234945 and its successors and assigns. Any other grammatical form of the word ‘we’ has a corresponding meaning. you means the holder of the Card Account. Any other grammatical form of the word ‘you’ has a corresponding meaning. Unless otherwise required by the context, a singular word includes the plural and vice versa. 2. The Card Contract The Card (including the Card Details) is offered to you on the terms set out in these Conditions of Use, the Schedule and the Credit Card Account Access Conditions of Use. The terms govern the use of the Card and all transactions on the Card Account. You will be bound by the terms if you accept the offer in accordance with Clause 3. If we allow the Card to be used to access a Nominated Account, the use of the Card and transactions on the Nominated Account will be governed by the Bankwest Account Access Conditions of Use. In that event the Card will be treated as a Debit/Access Card for the purposes of those Conditions of Use.

Page 9 of 43 Credit Card Conditions of Use 3. Activation and acceptance Users cannot transact (including by use of the Card) on the Card Account until the Card Account is activated by you. You can accept the terms of your Card Contract by activating your Card Account in any way in which we tell you including: – through the Bankwest App; – by activating the Card when received through Bankwest Online Banking. By you activating your Card Account you also acknowledge our Privacy Collection Notice set out at the end of this document. The Privacy Collection Statement and Collection Notice does not form part of these Conditions of Use. 4. Balance Transfers, Easy Instalments Plans and Card Contract Variations At any time, we may agree to a request by you for a Balance Transfer, Easy Instalments Plan or a Card Contract Variation provided that the User is not in default under the terms and conditions applicable to the account from which the request is made. A Balance Transfer request will only be processed up to 95% of the approved credit limit, or for electronic Balance Transfers (via Bankwest Online Banking or the Bankwest app) you may only transfer up to the nominated amount we advise at the time of making the transfer. The minimum transfer amount is $500. A balance transfer request will only be processed to your card account once the card has been activated. The source account must be Australian issued. We will process Balance Transfers, Easy Instalments Plans and Card Contract Variations in the order that you request them and we will not be responsible for any delay or any charges in connection with processing a request for a Balance Transfer or Easy Instalments Plan. Neither a Balance Transfer, Easy Instalments Plan nor a Card Contract Variation can be requested by an Additional Cardholder. If we agree to process a Card Contract Variation, we may, upon completion of the Card Contract Variation, set up a new Card Account, close your old Card Account, and issue a new Card to each User and Card Account number(s) for the Card Account. However, we may for a period, permit Users to use the old Card to

Page 10 of 43 Credit Card Conditions of Use effect transactions on your new Card Account. If a new Card has been received and activated, the User must immediately destroy the old Card. 5. Opening a Card Account The Card Account is available only to individuals aged 18 years or older and for personal and household (and not investment) purposes. To open an account you must: (a) complete the application process relevant to the card; and (b) provide the documents and information we request. If you have agreed with or represented to us that you will reduce your credit limits for other card(s) you currently hold, immediately after you receive your Card, you are required to: (a) close the other card(s); and/or (b) apply to reduce the credit limit for the other card(s), so that the aggregate of all your existing credit limits is reduced by the amount agreed with, or represented to, us. The credit limit we have offered you for the Card Account is conditional on you doing so. You agree to arrange this with your other card issuer(s). Cardholders cannot be issued with a Card Account if they hold another Card Account of the same type, unless they are an Additional Cardholder on that Card Account. 6. Statements of account We will send you a statement of account on your Card Account for each Statement Period where there is any activity on your Card Account or a balance outstanding on the Card Account on any day in the Statement Period. A fee may apply for paper statements of account. We may not send you a statement where this is not required by law. You may also request a statement at any time by calling us or by messaging us in the Bankwest App. Amounts shown on your Card Account statement will be expressed in Australian currency. It is your responsibility to check your Card Account statement carefully as soon as you receive it and immediately notify us of any errors or Unauthorised transactions. Should you have any enquiries concerning your Card Account you must follow the procedures set out in the Credit Card Account Access Conditions of Use.

Page 11 of 43 Credit Card Conditions of Use So that you can check your Card Account statements, you are required to keep copies of all vouchers, dockets, receipts and transaction records. 7. Changes to your Card Contract 7.1 Changes made by us. Subject to the Credit Card Account Access Conditions of Use, we may change your Card Contract without your consent. We will only make changes where reasonably necessary for legitimate business purposes. Such circumstances may include but are not limited to: (a) changes to the cost of providing credit to you; (b) as necessary or desirable to comply with or reflect any law, code of conduct, regulator guidance or requirement, or decision of a court or other dispute resolution process; (c) reflect changes in technology or our processes, including computer systems; (d) include new product features or services or to ensure that the terms and conditions match our operational processes; (e) discontinue or replace a product, and for this purpose we may change your product to a different product with similar features to the discontinued or replaced product as reasonably possible; (f) to consolidate or simplify our terms and conditions and contractual documents; (g) to add, change or remove concessions or benefits; (h) to bring us into line with our competitors, industry or market practice or best practice in Australia or overseas; (i) to manage risks including credit, fraud, operational or regulatory risk; or (j) in good faith to correct errors, omissions, inconsistencies or ambiguities; 7.2 Types of changes we can make and how we will tell you. The changes we can make without your agreement are listed in the table below with the minimum notice period and the way we will let you know of the changes. Each of the type of changes below is a separate right and this clause 7.2 is to be read as if each change was a separately expressed right. We will act reasonably in exercising these rights.

Page 12 of 43 Credit Card Conditions of Use How we tell you about changes Change Notice method Minimum notice period Interest rate Interest rate changes In writing* or by advertising in the national media (no notice required if your rate is decreased) No later than day of the change Fees Introducing a new fee or increasing the amount or frequency of a fee In writing* or by advertising in the national media 30 days Credit limit Reducing or suspending your credit limit In writing* (no notice required if you are in default) As soon as practicable Other changes Changing your minimum payment or making any other change to your contract In writing* (no notice required if the change reduces your obligations but we will confirm the change no later than when your next statement is sent after the change) 30 days if the change is unfavourable Where we notify by national media, we will confirm the change no later than in your next statement.

Writing includes electronic notice where permitted and may include your statement. If you consider that you will be adversely affected by changes to the Card Contract notified to you under this Clause 7, you may pay us the amount required to pay out your Card Contract on the day you wish to end the Card Contract.

Page 13 of 43 Credit Card Conditions of Use 8. Changes in your particulars You must inform us immediately of a change in your name or address (including your email address) or mobile telephone number. You can do this via the Bankwest App or by calling us on 13 17 19. We will not be responsible for any errors or losses associated with a change in your particulars if we do not receive notice or adequate notice of the change. 9. Service of notices 9.1 Whenever we send you a letter, notice or statement, or otherwise seek to communicate with you, we will do so by any method permitted by law, including by mail addressed to you at your last known address or by the electronic means described in Clause 9.2. 9.2 Where you have given us an email address, mobile phone number or other electronic address for contacting you, you agree that we may satisfy any requirement under this Card Contract or under any law or relevant code of conduct to provide you with information by any of the following means: (a) electronic communication to your nominated electronic address; (b) making the information available on our website after first notifying you by: – SMS message to a mobile phone number you have given us for contacting you; – by electronic communication to any other electronic address you have given us for contacting you, or – push notification from the Bankwest App that the information is available for retrieval by you; (c) a SMS text message to a mobile number you have given us for contacting you; or (d) such other means as we agree with you. Your agreement for us to communicate with you by electronic communication may be cancelled by you at any time by notice to us. You may also change any email address, mobile phone or other electronic address via our website, via the Bankwest App or by calling us on 13 17 19. While you have agreed that we can communicate with you by electronic communication, paper communications may no longer be given to you and you should regularly check your electronic communications for notices and statements from us.

Page 14 of 43 Credit Card Conditions of Use Even if we normally provide electronic statements of notices, we may send you a paper statement of notice instead (e.g. if we are unable to provide the information electronically). 10. Banking Code of Practice The Banking Code of Practice applies to your Card Contract. General descriptive information about our banking services is available on request in the form of our Banking Services Rights and Obligations brochure. It includes, in particular, information about account opening procedures, our obligations regarding the confidentiality of your information, our complaint handling procedures, and on the advisability of you reading the terms and conditions applying to our banking services and of informing us promptly when you are in financial difficulty. 11. Applicable law If, when you accept our offer, you are ordinarily resident in an Australian State or Territory, then your Card Contract is subject to the laws of that State or Territory. Otherwise your Card Contract is subject to the laws of the State or Territory in which we first provide credit to you. 12. Evidence A sales voucher or any other record of a transaction provided to a User by a Merchant or a written statement signed by a Bank officer can be used as sufficient evidence of a transaction, the amount shown or the amount due and payable by you unless you choose to contest it. 13. Assignment of rights and disclosures This Card Contract cannot be assigned by you without our prior written consent. We may assign, transfer or otherwise deal with our rights under this Card Contract. This will not affect your rights or obligations under the Card Contract. You consent to us disclosing on a continuous basis any information or documents relating to you we consider necessary to assign such rights, manage the assigned Card Contract and assess your total liabilities to us and any related entity.

Page 15 of 43 Credit Card Conditions of Use 14. Exercise of our rights We may exercise any right, remedy or power in any way we choose. If we decide not to exercise a right, remedy or power this does not mean we cannot exercise it later. 15. The Card We may issue a Card or payment device to you and, at your request, to any Additional Cardholders you nominate. However, an Additional Cardholder is not eligible to receive a Virtual Card. Each Card and Payment Device is our property, and remains so at all times. 16. Can another person have a Card on your Card Account? You can ask for up to three other people to have an additional Card (excluding a Virtual card) or Payment Device for the purpose of operating your Card Account alone. If an additional Card or Payment Device is issued to such a person, all transactions authorised by the Additional Cardholder will be treated as having been authorised by you and you will be responsible for them. You can cancel an Additional Cardholder’s authority to operate your Card Account by written request and by; – returning their Card to us; – satisfying us that the Card has been destroyed; – satisfying us that you have taken all reasonable steps to procure its return to us; – satisfying us that the Card has been deleted from your Additional Cardholder’s digital wallet (where applicable); – satisfying us that you have taken all reasonable steps to procure the deletion of the Card from your Additional Cardholder’s digital wallet (where applicable); or; – requesting us to close your Card Account in accordance with Clause 18. An Additional Cardholder’s Payment Device is cancelled only when: – we have received your request to cancel their Payment Device; and – we have actioned that request, or we are satisfied, acting reasonably, that the Payment Device is no longer linked to your Card Account.

Page 16 of 43 Credit Card Conditions of Use Until then, you will remain liable for the transactions of the Additional Cardholder. You consent to the Additional Cardholder(s): – having access to information about your Card Account (e.g. your Card Account balance, transactions and amount of available credit); – temporarily locking all cards on the Card Account, including any linked digital wallets; – reporting their card as lost or stolen, which means we’ll cancel and replace all cards on the Card Account; – reporting their card as damaged, which means we’ll replace the reported damaged card on the Card Account; – submitting disputes for transactions, including transactions completed by you or the Additional Cardholder; – selecting their own PIN. An Additional Cardholder cannot authorise any changes to your Card Account (e.g. increasing the credit limit or changing your address). Any replacement card issued at the request of the Additional Cardholder will be sent to you. 17. How do you know the Card (excluding a Virtual Card) is valid? A Card can only be used between the validity dates stated on it or, if the Card only states an expiry date, it can only be used until the expiry date. A Card which has expired must be destroyed. We may, at our discretion, issue a User with a replacement Card or Payment Device if the current Card or Payment Device expires. For Payment Devices, you will need to request the issue of a new one on expiry. The use of the replacement Card or Payment Device will be subject to these Conditions of Use. 17A. How do you know a Virtual Card is valid? (a) Single-use Virtual Cards Single-use Virtual Cards will no longer be usable after a single transaction or after 24 hours of issuance (whichever occurs first). This is the case regardless of the card expiry date that appears on the Card. (b) Multi-use Virtual Cards For multi-use Virtual Cards, the following applies:

Page 17 of 43 Credit Card Conditions of Use

you may set an optional spend limit;
you must select a card end date; and
if you set an optional spend limit for your Virtual Card, subject to the available balance on your Card Account, you may make multiple transactions using the card until either (i) the spend limit is reached or (ii) the card end date is reached (whichever occurs first). The card will no longer be usable after the occurrence of one of these events. This is the case regardless of the card expiry date that appears on the Card.

Can your Card Account be closed or access to it be cancelled? 18.1 Your rights to close your Card Account. You may close your Card Account by: – giving us notice in writing (including online or through the Bankwest App), by calling us; and – paying any outstanding amount in full, including transactions, interest charges and fees and charges not yet showing on your Card Account. 18.2 Our rights to cancel any Cards/Payment Devices and/or not provide any credit. Acting reasonably, we may close your Card Account when it has a credit (positive) balance by giving reasonable notice and paying you the amount of the credit balance. Acting reasonably, we may decide at any time without prior notice and whether or not you are in default: – not to provide you with further credit; and/or – to cancel or suspend any Cards or Payment Devices. In addition to any rights we have in the Credit Card Account Access Conditions of Use, we may cancel, suspend or not provide you with any further credit where: – you are in default; – we suspect on reasonable grounds that there has been, or we reasonably believe it is necessary to prevent, fraudulent or unauthorised use of the Card Account; – to manage regulatory risk; – we reasonably believe that the use of the Card Account or Cards/ Payment Device may cause us loss or you hardship or loss; – the Card or Payment Device has not been used for any transactions for 12 months or more;

Page 18 of 43 Credit Card Conditions of Use – the Card was not activated within 90 days of being issued; – we reasonably believe that it is necessary to protect our legitimate interests; or – we suspect on reasonable grounds that your account is being used in a way that results in or may cause financial abuse (we may also, without notice, suspend your account if we suspect on reasonable grounds that your account is being used in a way that results in or may cause financial abuse). If we do not provide you with notice before we cancel your Card or Payment Device, then we will take reasonable steps to notify you as soon as possible afterwards. If we decide not to provide you with any further credit (and whether or not we have cancelled your Card or Payment Device): – no further credit will be provided under the Card Contract but your obligations under this Card Contract will continue until you pay us the total amount you owe us (including interest charges, fees and charges and other amounts that you become liable to pay under the Card Contract and which are not yet debited to the account); – unless we have demanded that you repay the entire outstanding balance of your Card Account as contemplated in paragraph 25, you must pay the minimum payments due each month, and Card Account statements will continue to be issued until the outstanding balance on your Card Account has been reduced to nil; and – you must ensure that the use of all Cards or Payment Devices ceases immediately upon notifying us that you wish to close your Card Account. If your Card Account is closed, or we decide not to provide you with any further credit (and whether or not we have cancelled your Card or Payment Device), you must also cancel any Recurring Payment or other periodical debit authority operating in respect of the Card Account. If you do not, those payments will be dishonoured and you may not be notified. If we cancel a Card or Payment Device you may request a replacement Card or Payment Device. However, we will not provide you with a replacement Card or Payment Device if we have decided not to provide you with further credit. We may suspend or deny electronic access to the Card Account in accordance with the Credit Card Account Access Conditions of Use. Care! If your Card or Payment Device gives you access to a Nominated Account and your Card or Payment Device is

Page 19 of 43 Credit Card Conditions of Use cancelled, you will no longer have Card or Payment Device access to that account. 19. Credit limit Your credit limit is the amount specified as the credit limit in the Schedule or such other amount as we may authorise. Subject to any daily or other transaction limits, you may draw down credit up to your credit limit. The balance of your Card Account must not exceed your credit limit, without our approval. If your credit limit is exceeded without our approval we may charge you any Over the Limit Administration Fee that is described in the Schedule. You may at any time request us to use reasonable endeavours to ensure that the balance of your Card Account does not exceed your credit limit. If you make that request, we will use reasonable endeavours to reject transactions which would cause the credit limit to be exceeded. It is not always possible to reject transactions and in some cases, rejecting transactions may cause additional amounts to be charged to your account. Your credit limit does not change simply because we may debit an amount to your Card Account that causes the account balance to exceed your credit limit. We will only increase your credit limit at your request or with your written consent. We can, however, reduce your credit limit at any time, whether or not you are in default under the Card Contract and without prior notice to you. We will advise you if we do so. You may ask us at any time to reduce your credit limit. If you ask to reduce your credit limit below the minimum credit limit disclosed in your Schedule we may close, or ask you to close, the Card Account. We reserve the right not to increase the credit available to you by the amount of a payment until we receive value for the payment (for example when a cheque is cleared) or until we have complied with requirements under any relevant laws in Australia or any other country (for example anti-money laundering and counter-terrorism laws financing laws), and we determine that its value is available to you.

Page 20 of 43 Credit Card Conditions of Use 20. What happens if I make a purchase in a foreign currency or overseas? If a User uses their Card or Payment Device outside Australia, all charges, purchases and/or cash advances in foreign currency are converted, before they are listed on your Card Account statement, from foreign currency to Australian currency as follows: Mastercard ® foreign currency transactions are converted from foreign currency into United States dollars and then converted into Australian dollars by Mastercard International Incorporated at a wholesale exchange rate selected by Mastercard International Incorporated on the processing date, which may differ from the rate applicable to the date the transaction occurred and that applicable to the date the transaction was posted. For all transactions effected by a foreign currency or transactions occurring outside Australia (whether effected in foreign currency or Australian dollars) or while you are in Australia (for example, online) where the merchant or the financial institution or entity processing the transaction, is located overseas, we will charge the Foreign Transaction Fee as described in the Financial Table of the Credit Card Schedule. 21. Can the Card Account have a credit (positive) balance? The Card Account can have a credit (positive) balance. If it does, you may access that credit (positive) balance in addition to your credit limit. Withdrawals will first reduce that credit (positive) balance. We do not pay interest on the credit (positive) balance of a Card Account. Any credit (positive) balance on your Card Account must not be greater than $50,000. If at any time it exceeds this amount, you must immediately withdraw funds from the Card Account to bring it below that figure. If you do not do this, we may return the excess funds to you. 22. What fees are payable? You must pay us the fees and charges in the amounts and at the times set out in the Schedule or otherwise in the Card Contract. We may debit the fees and charges to your Card Account and they will appear on your Card Account statement.

Page 21 of 43 Credit Card Conditions of Use Other fees may apply to specific services you may request outside the Card Contract. For further information on our fees, call us or message us in the Bankwest App. 23. Do you have to pay government fees and charges? You are responsible for all government duties, rates, taxes and charges now, or in the future, charged on or otherwise payable in relation to your Card Contract, the supply or use of your Card or transactions debited or credited to your Card Account. You must pay us the amounts, calculated by the methods adopted from time to time in accordance with relevant legislation, whether or not you are liable for them under that legislation. We may debit them to your Card Account on the last day of the Statement Period and they will appear on your Card Account statement. 24. How are interest charges calculated? The Annual Purchase Percentage Rate, the Annual Balance Transfer Percentage Rate and the Annual Cash Advance Percentage Rate that apply to this Card Contract are set out in the Schedule. The Annual Purchase Percentage Rate will apply to: – purchases; – fees and charges (including credit fees and charges but excluding a Cash Advance Fee); – enforcement expenses; – BPAY payments from the Card Account; – any part of the amount of a Card Contract Variation which relates to such transactions; – any other transaction or component of the closing balance on your statement of account which is identified as attracting the Annual Purchase Percentage Rate by the Merchant category code supplied to us by Mastercard ® ; and – any interest charges debited in respect of such items. The items to which the Annual Purchase Percentage Rate applies are, for the purpose of this clause, referred to as the ‘Annual Purchase Percentage Rate items’. The Annual Balance Transfer Percentage Rate will apply to all: – Balance Transfers; – any part of the amount of a Card Contract Variation which relates to a Balance Transfer; and

Page 22 of 43 Credit Card Conditions of Use – any interest charges debited in respect of such items. The items to which the Annual Balance Transfer Percentage Rate applies are, for the purpose of this clause, referred to as the ‘Annual Balance Transfer Percentage Rate items’. The Annual Cash Advance Percentage Rate will apply to all other amounts we debit to the Card Account, including (but not limited to): – cash advances; – Cash Advance Fee; – Pay Anybody transfers; – any transactions we consider to be equivalent to cash (including but not limited to traveller’s cheques, foreign currency or money transfers, transactions for gambling (including online gambling), lottery tickets or gaming purposes generally); – transactions where the funds are used to purchase or load value on a stored value card or facility; – where the funds are used to pay bills over the counter at a financial institution or agent of the biller; – transactions to pay bills through a third party where the merchant does not accept credit card payments; – where the transaction is identified to us by the relevant merchant category code or intermediary as constituting a cash advance; – any transfers of funds from the Card Account to another account; and – any interest charges debited in respect of such items. The items to which the Annual Cash Advance Percentage Rate applies are for the purposes of this clause, referred to as the ‘Annual Cash Advance Percentage Rate items’. The Schedule may provide that an introductory Annual Purchase Percentage Rate or an introductory Annual Balance Transfer Percentage Rate applies to your Card Account for an introductory period. No introductory annual percentage rate will apply to Card Contract Variations. For the purposes of this clause, the purchase daily percentage rate is calculated by dividing the Annual Purchase Percentage Rate by 365 (or 366 if it is a leap year). The Balance Transfer daily percentage rate is calculated by dividing the Annual Balance Transfer Percentage Rate by 365 (or 366 if it is a leap year). The cash advance daily percentage rate is calculated by dividing the Annual Cash Advance Percentage Rate by 365 (or 366 if it is a leap year). The unpaid daily balance is the unpaid balance of your Card

Page 23 of 43 Credit Card Conditions of Use Account at the end of each day. If your Card Account has a credit (positive) balance on any day, the unpaid daily balance for that day is zero for the purpose of the calculation of interest charges. In other words, where your Card Account has a credit (positive) balance, our interest charges will not apply to debits to your Card Account for the period that the Card Account remains in credit. Interest charges are calculated as follows: How we calculate interest on purchases (a) Except as provided in (b) below, we charge interest on the amount of any Annual Purchase Percentage Rate item from the assigned date relevant to that item until the item is paid in full. Interest accrues daily and is calculated by applying the purchase daily percentage rate to the unpaid daily balance of your Card Account (to the extent that the unpaid daily balance comprises the item) and adding the result for each day at the end of the Statement Period for the relevant month. The assigned date for the purposes of this paragraph (a) and paragraph (b) below, is the date we are notified by the payment network that manages payment transactions (for example, Mastercard or Visa) is the date on which you use your card to effect the transaction. When a merchant is located overseas, the overseas time zone usually applies. Purchases and interest free days (b) This paragraph (b) explains how you can qualify for an interest free period on Annual Purchase Percentage items. An interest free period is not available for all Card Accounts (see your Schedule). Qualifying for an interest free period – Where you do not have any Balance Transfers: if you don’t have any Balance Transfers, by paying the closing balance owing shown in your Card Account statement, on or before the due date specified in your Card Account statement. – Where you do have Balance Transfers: if you have a promotional or introductory Balance Transfer, by paying the closing balance owing shown in your Card Account statement less any promotional or introductory Balance Transfer on or before the due date specified in your Card Account statement. Note: once the promotional or introductory Balance Transfer percentage rate expires and reverts to the Annual Balance Transfer Percentage Rate, you will be required to pay for all the Annual Percentage Rate items on or before the due date specified in the Card Account statement to qualify for an interest

Page 24 of 43 Credit Card Conditions of Use free period. Generally, this will mean paying the closing balance shown in your Card Account statement on or before the due date. However, there may be some limited circumstances where depending on the order of transactions and how we apply payments in accordance with clause 27 that you could retain an interest free period where you only pay part of the closing balance. – Where you have an Easy Instalment Plan: if you have an Easy Instalment Plan, by paying the monthly Easy Instalment amount for that Statement Period by the due date. For Easy Instalment Plans created before 25 March 2025, you will also need pay any outstanding Easy Instalment Amount in order to qualify for an interest free period. You must also repay the closing balance owing other than the Easy Instalment Plan balance owing less any Balance Transfer(s) in accordance with the above paragraph, on or before the due date specified in your Card Account Statement. Loss of an interest free period – If you have not qualified for an interest free period then we do charge interest on all Annual Purchase Percentage Rate items under paragraph (a) from one day after the due date specified in the Card Account statement issued during that Statement Period (or from the assigned date for that item, if later) until the item is paid in full or until you pay the closing balance owing in a subsequent Statement Period. – If you make a payment that qualifies you for interest free days which is subsequently dishonoured as described in Clause 26, we may apply interest as if that payment was not received. How we calculate interest on balance transfers (c) We charge interest on the amount of any Annual Balance Transfer Percentage Rate item from the date the item is debited to your Card Account until paid in full. Interest accrues daily and is calculated by applying the Balance Transfer daily percentage rate to the unpaid daily balance of your Card Account (to the extent that the unpaid daily balance comprises the item) and adding the result for each day at the end of the Statement Period for the relevant month. The date the item is debited to your Card Account is the date we are notified by the payment network that manages payment transactions (for example, Mastercard or Visa) is the date on which you use your card to effect the transaction. When a merchant is located overseas, the overseas time zone usually applies.

Page 25 of 43 Credit Card Conditions of Use How we calculate interest on cash advances (d) We charge interest on the amount of any Annual Cash Advance Percentage Rate item from the assigned date relevant to that item until the outstanding balance is paid in full. Interest accrues daily and is calculated by applying the cash advance daily percentage rate to the unpaid daily balance of your Card Account (to the extent that the unpaid daily balance comprises the item) and adding the result for each day at the end of the Statement Period for the relevant month. The assigned date for the purpose of this paragraph (d) is the date we are notified by the payment network that manages payment transactions (for example, Mastercard or Visa) is the date on which you use your card to effect the transaction. When merchant is located overseas, the overseas time zone usually applies. We may at any time calculate interest in a manner more favourable to you than provided for in this clause but such action will not stop us from exercising our rights under this clause in respect of subsequent calculations. Interest charges that accrue during your Statement Period will be debited to your Card Account statement on the last day of the Statement Period. 25. How much do you have to pay? You must pay the minimum payment as shown on your Card Account statement by its due date. The amount of minimum payment required or how it is calculated is set out in the Schedule. You may pay more of the closing balance if you wish. In addition, acting reasonably and upon reasonable notice to you, at any time, we may demand that you pay the entire outstanding balance of your Card Account. If your Card Account statement refers to an ‘Amount Due Immediately’, you must also pay that amount immediately on receipt of your Card Account statement. All payments must be made in Australian currency. Deposits and payments will not be treated as being received until their value is credited to your Card Account.

Page 26 of 43 Credit Card Conditions of Use 26. What if you make a payment that is subsequently dishonoured? If a payment is subsequently dishonoured, we will debit the Card Account by the value of the dishonour, as at the date that the payment was credited, and a fee may be charged. If you qualify for an interest free period on Annual Purchase Percentage Rate items under Clause 24(b) because of a payment that subsequently dishonours we may determine that you did not qualify for the interest free period and recalculate the interest charges in your account based on the true facts and circumstances. 27. How do we apply payments from you? Payments are applied towards the last statement’s closing balance until the full balance is paid. We first pay off transactions that have the highest annual percentage rate as at the statement date and then in descending order down to the amounts which have the lowest annual percentage rate until the closing balance is paid in full. Payments are then applied to balances from the current Statement Period. If we agree to your request for an Easy Instalments Plan we will apply payments in accordance with that agreement. To the extent of any inconsistency, the process for applying payments that are agreed to when requesting an Easy Instalments Plan, will prevail. 28. How can you make payments? You can make payments to your Card Account: – via Telephone Banking, Bankwest Online Banking or the Bankwest App; – by BPAY payment or pursuant to a Direct Debit Services agreement you make with us; and – at any of our authorised agents and selected CBA ATMs. We will process payments to your Card Account as soon as practicable. This may not be the same day that we are informed that the payment has been made. Care! The value of payments made to your Card Account may not be credited to your account, nor therefore treated as received by us, on the day of lodgement. The processing may take a number of days. Any cheques drawn on or deposited to your account, or bank cheque or other document deposited to your account or delivered to us in connection with a transaction on your account, becomes our property when we have presented the cheque for payment

Page 27 of 43 Credit Card Conditions of Use (even if it is dishonoured) or when the transaction is otherwise complete but you retain all rights against the drawer and any endorser of any dishonoured cheque. A cheque deposit only affects your unpaid daily balance when we credit the payment as cleared funds. 29. Default You are in default if: – a minimum payment is not made on time; – the balance of your Card Account exceeds the credit limit; or – a User does not comply with any other terms of this Card Contract that materially increases our risk in relation to the Card Contract. – we believe on reasonable grounds that: • it becomes, or may become unlawful for you or us to continue with the Card Account; • it becomes or may become contrary to our legal obligations for you or us to continue with the Loan; or • you or anyone else associated with Card Account may be a person, acting for or conducting business with a person: – with whom we are not permitted to deal with by law or a regulatory authority; – in breach of laws relating to money laundering and terrorism financing. Note: We may be restricted by law from providing specific information to you and/or others in these circumstances. If you are in default we may send to you a default notice specifying the details of the default, how it may be corrected, and how long you have to correct it. If you do not remedy the default within the time specified in the default notice, then we may cancel all Cards and exercise our rights under this Card Contract and at law. You are also in default if we believe, on reasonable grounds, that we were induced by fraud on your part to enter into this Card Contract. In this case we need not give you a default notice as described above. All amounts you owe us (including amounts which have been accrued or charged, but not yet debited to your Card Account) will become immediately due and payable on demand. We may cancel all Cards and exercise our rights under this Card Contract and at law.

Page 28 of 43 Credit Card Conditions of Use You must pay to us all reasonable enforcement expenses incurred by us or our agents in exercising our rights because of your default and we may debit them to your Card Account. Interest charges will apply to enforcement expenses until paid in full (see Clause 24). These interest charges will apply at the Annual Purchase Percentage Rate whether or not an obligation to pay us an amount under the contract becomes merged in a court order or judgement. We may charge you the following fees that are described in the Schedule: – a Late Payment Administration Fee payable for each Statement Period that the minimum payment is not processed to your Card Account by the due date. If your Card Account statement refers to an “Amount Due Immediately” you must also pay that amount by the due date, in order to avoid the fee: see clause 27. 30. Is your Card Account secured by mortgage or other security? The Card Contract is unsecured. If you have a mortgage or other security with us, then despite what the mortgage or other security says, your Card Contract and your liability to us under your Card Account is not secured by that mortgage or security. 31. Our right to combine accounts Subject to any law or Code, we may at any time without prior notice combine the balances of your Card Account(s) and any other account(s) in your name with us. We may do this if one of your accounts is in debit (e.g. your Card Account) and another is in credit. We will inform you if we exercise our right to combine your accounts. We will not exercise this right if we are actively considering your financial situation under any hardship provisions or while you are complying with an agreed repayment arrangement. We may, however, require you to retain funds in an account until our decision on your hardship application has been made. 32. Additional Obligations The Bank may be subject to laws or regulations in Australia or another country that affect your relationship with the Bank (e.g. Laws that address tax evasion). So that we may comply with our obligations under these laws or regulations, we may: – require you to provide information about you or your product;

Page 29 of 43 Credit Card Conditions of Use – disclose any information we are required to concerning you (including sending your information overseas); – if required to do so, withhold an amount from a payment to you, and if we do, we will not reimburse you for the amount withheld; and/or – take such other action as is reasonably required to protect our legitimate interests, including, for example, closing your account. 33. Making Adjustments We will use best endeavours to ensure that our systems and processes calculate and apply fees, interest, reductions, benefits or other amounts or features as described in your Contract with us. However sometimes errors do occur, for example due to: (a) The limitations of our systems and processes (b) The operation of manual processes (c) Changes to our systems and processes (d) Things that are beyond our knowledge or reasonable control. Where that happens, without limiting any rights you may have relating to the error, we may (as appropriate) at a later time but as soon as practicable after the error has been identified: – make adjustments to put you in the same position as if we had applied the correct amount or made the correct calculation initially; – provide that reduction, benefit or feature to you, and make adjustments to put you in the same position as if we had provided the reduction, benefit or feature as described; – take the action required, and make adjustments as necessary to put you in the same position as if we had taken the action as described. 34. Marketing and commercial messages This clause relates to the marketing and commercial electronic messages we may send you. By this clause you consent to receiving those messages, but you have the option to withdraw that consent and tell us not to send them. If you provide us with your contact details (such as your email and telephone number) and other personal information, you agree that we may use them to communicate with you (unless you tell us not to), including: – to send you commercial electronic messages; – for direct marketing purposes; and

Page 30 of 43 Credit Card Conditions of Use – to make phone calls to you for an indefinite period, in accordance with Schedule 2 of the Do Not Call Register Act 2006 (Cth), unless you tell us not to. By registering for online services (such as Bankwest Online Banking) or accessing Bankwest applications (such as the Bankwest app), you also agree that (unless you tell us not to) we may send you commercial electronic messages and/or direct marketing through these online services and applications (including push notifications, in-app messages and notifications, or messages to your Bankwest Online Banking inbox). You agree that each time you use an automated digital assistant that is available in our online services or applications, we may send you commercial electronic messages or direct marketing through that assistant’s response to you. Sometimes we use third party service providers such as marketing companies or mail houses to send messages on our behalf for direct marketing purposes. You agree that (unless you tell us not to) we may share your personal information with marketing companies or mail houses so they can send you direct marketing messages and commercial electronic messages. Changing your preferences We will provide you with options you may use to opt out of receiving commercial electronic messages we send you and to choose the way we send them to you. While in some cases one of the options may be an unsubscribe facility, you agree: – we are not required to include an unsubscribe facility in commercial electronic messages we send you; and – you may be required to log in to your Bankwest app and update your marketing preferences, to unsubscribe from commercial electronic messages. Opting out of commercial electronic messages sent by Bankwest: – may impact our ability to provide you with information about all the benefits that are available as our customer. There are, however, messages that we must be able to send you and which you will not be able to opt out of receiving. – will not opt you out of receiving messages from other brands within the Commonwealth Bank Group where you have agreed to those other brands sending you messages. If you would like to opt out of receiving commercial electronic messages from other Commonwealth Bank Group brands, please follow the opt out facilities in their communications or as set out in their terms and conditions.

Page 31 of 43 Credit Card Conditions of Use Credit Guide Bankwest, a division of the credit provider, Commonwealth Bank of Australia ABN 48 123 123 124 AFSL/Australian credit licence 234945. This Credit Guide gives you some information about our responsible lending obligations and dispute resolution procedures. If you have any queries, you can call 13 17 19 or message us in the Bankwest App. We will not make an unsuitable contract with you We are not permitted to enter into a Card Contract or increase the credit limit of an existing Card Contract if the contract would be unsuitable for you. A contract will be unsuitable for you if at the time of our assessment it is likely that you will be unable to comply with your financial obligations under the contract or could only do so with substantial hardship, or if the contract will not meet your requirements and objectives. In order to ensure that we do not enter into a contract with you that is unsuitable, we are required to make reasonable inquiries about your financial situation, your requirements and objectives and to take reasonable steps to verify your financial situation. We will make an assessment that the contract is not unsuitable for you We are required to assess that the Card Contract is not unsuitable for you before we enter into the contract or agree to increase your credit limit. If you request a copy of the assessment before entering into the Card Contract or increasing your credit limit, we will not enter into the contract or increase your credit limit until we have given you a copy of the assessment. You may also request a copy of the assessment within 7 years of the date the contract is made or your credit limit is increased. If your request is made within 2 years, we will provide you with the assessment within 7 business days of your request, otherwise we will provide you with the assessment within 21 business days. We will not charge you a fee for providing the assessment.

Page 32 of 43 Credit Card Conditions of Use If you have a dispute in relation to your Card Contract

How will any errors, mistakes and disputes be handled? In this section “you” means you or any User as required for consistency with the ePayments Code. If you believe an entry on your Card Account statement is wrong or unauthorised, you should promptly tell us by: – using the Bankwest App; – messaging us in Online Banking; – following the procedure set out on our website; or – telephoning us. To assist in the dispute resolution process, you will need to provide the following information: – your name, address, credit card number and account details; – details and amount of the transaction, charge, refund or payment in question; and – supporting documentation (examples being: credit card receipt, delivery advice). We will notify you of the name and contact number of the officer investigating your dispute. We have the right under the Credit Card Scheme Rules to seek the reversal of a credit card transaction, involving a ‘chargeback’ or debiting of the credit card transaction to the Merchant’s account with its financial institution including for Recurring Payments. We may do so on certain grounds, for instance if you claim that an Unauthorised transaction debited to your Card Account was incorrectly charged and you did not contribute to the loss. We will claim a chargeback right where one exists under the Credit Card Scheme Rules. Please note, however, that no chargeback right will exist in relation to BPAY payments from your Card Account. We will use our best efforts to chargeback a disputed transaction for the most appropriate reason. This does not mean that the disputed transaction will necessarily be charged back. The Merchant’s financial institution must first accept the claim in order for your claim to be successful. If the Merchant’s financial institution rejects a chargeback, we will not accept that rejection unless we are satisfied that the rejection is reasonable and is consistent with the Credit Card Scheme Rules. You should make every effort to report a disputed transaction within 14 days of the date of the account statement which itemises the disputed transaction, so that we may reasonably ask for a chargeback where such right exists.

Page 33 of 43 Credit Card Conditions of Use Failure to report a disputed transaction, charge, refund or payment, and/or provide additional information within this timeframe could affect our ability to claim a chargeback right (if any) under the Credit Card Scheme Rules. These rules all impose time limits on reporting disputed transactions, charges, refunds or payments. In certain circumstances where the ePayments Code applies, there may be no such timeframes imposed upon your right to make a claim or report a disputed transaction. 1.1 If we are unable to resolve the matter immediately to both your and our satisfaction we will advise you in writing of our procedures for further investigation and handling of your complaint. 1.2 Within 21 days of receiving your complaint, we will advise you in writing of either: – the outcome of our investigation; or – the fact that we need more time to complete our investigation. We will complete our investigation within 45 days of receipt of your complaint unless there are exceptional circumstances. 1.3 Subject to Clause 1.4, if we are unable to resolve your complaint within 45 days we will write to you and let you know the reasons for the delay and provide you with monthly updates on the progress of our investigation and its likely resolution date, except where we are waiting for a response from you and you have been advised that we require such a response. 1.4 If we resolve your complaint by exercising our rights under the Credit Card Scheme Rules we will: – apply the time limits under those rules to Clause 1.2; – comply with Clause 1.3 as if the reference to ‘45 days’ read ‘60 days’ and the reference to ‘monthly updates’ read ‘updates every two months’; – inform you when you can reasonably expect a decision; and – suspend your obligation to pay any amount which is the subject of your complaint or any credit or other charges related to that amount until your complaint has been resolved.

Page 34 of 43 Credit Card Conditions of Use 2. Outcome On completion of our investigation, we will advise you in writing of the outcome of our investigation and the reasons for our decision, with reference to the relevant provisions of the Credit Card Account Access Conditions of Use and the ePayments Code. If we decide that your Card Account has been incorrectly charged or credited, we will adjust your account (including any interest and charges) and notify you in writing of the amount of the adjustment. If we decide that you are liable for all or any part of the disputed transaction, we will supply you with copies of any document or other evidence on which we base our findings if these show that your Card Account has not been incorrectly charged or credited. We will also advise you if there was any system or equipment malfunction at the time of the transaction. We will advise you in writing that, if you are not satisfied with our findings, you may request a review. 3. If you are not satisfied If you are not satisfied with our findings or you have a complaint or dispute, you may request our Customer Care Department to review the matter. Contact them by writing to: Manager Customer Care GPO Box E237 Perth WA 6841 Telephone: Freecall 1800 650 111 When we advise you of our decision we will also advise you of further action you may take in respect of your complaint if you are not satisfied with our decision. For instance, you may be able to refer the matter (free of charge) to: Australian Financial Complaints Authority GPO Box 3 Melbourne VIC 3001 Telephone: 1800 931 678 Website: www.afca.org.au You may also be able to refer your complaint to consumer affairs departments or small claims tribunals. 4. If we fail to comply with these procedures If we fail to observe the procedures set out in this clause or the ePayments Code for handling disputes, allocating liability or communicating the reasons for our decision and that failure contributes to our decision or delays the resolution of your complaint, we may be liable for part or all of the amount of the disputed transaction.

Page 35 of 43 Credit Card Conditions of Use Information Statement Things you should know about your proposed credit contract This statement tells you about some of the rights and obligations of yourself and us, your credit provider. It does not state the terms and conditions of your contract. If you have any concerns about your contract, contact the credit provider and, if you still have concerns, contact the AFCA scheme, or get legal advice. The contract

How can I get details of my proposed credit contract? Your credit provider must give you a pre-contractual statement containing certain information about your contract. The pre-contractual statement, and this document, must be given to you before your contract is entered into.
How can I get a copy of the final contract? If you want another copy of your contract, write to your credit provider and ask for one. Your credit provider may charge you a fee but must give you a copy: – within 14 days of your written request if the original contract came into existence 1 year or less before your request; or – otherwise within 30 days of your written request.
Can I terminate the contract? Yes. You can terminate the contract by writing to the credit provider so long as: – you have not obtained any credit under the contract; or – your Card or Card details have not been used to acquire goods or services for which credit is to be provided under the contract. However, you will still have to pay any fees or charges incurred before you terminate the contract.
Can I pay my credit contract out early? Yes. Pay your credit provider the amount required to pay out your credit contract on the day you wish to end your contract.
How can I find out the pay out figure? You can write to your credit provider at any time and ask for a statement of the pay out figure as at any date you specify. You can also ask for details on how the amount is made up.

Page 36 of 43 Credit Card Conditions of Use Your credit provider must give you the statement within 7 days after you give your request to the credit provider. You may be charged a fee for the statement. 6. Will I pay less interest if I pay out my contract early? Yes. The interest you can be charged depends on the actual time money is owing. However, you may have to pay an early termination charge (if your contract permits the credit provider to charge one) and other fees. 7. Can my contract be changed by my credit provider? Yes, but only if your contract says so. 8. Will I be told in advance if my credit provider is going to make a change in the contract? That depends on the type of change. For example: – you get at least same day notice for a change to an annual percentage rate. That notice may be a written notice to you or a notice published by your credit provider; – you get 30 days’ advance written notice for: • a change in the way in which interest is calculated; or • a change in credit fees and charges; or • any other changes, by your credit provider; except where the change reduces what you have to pay or the change happens automatically under the contract. 9. Is there anything I can do if I think that my contract is unjust? Yes. You should first talk to your credit provider. Discuss the matter and see if you can come to some arrangement. If that is not successful, you may contact the AFCA scheme. The AFCA scheme is a free service established to provide you with an independent mechanism to resolve specific complaints. The AFCA scheme can be contacted at: GPO Box 3 Melbourne Vic 3001 Telephone: 1800 931 678 (free call) Email: info@afca.org.au Website: www.afca.org.au Alternatively, you can go to court. You may wish to get legal advice, for example from your community legal centre or Legal Aid. You can also contact ASIC, the regulator, for information on 1300 300 630 or through ASIC’s website at http://www.asic.gov.au.

Page 37 of 43 Credit Card Conditions of Use Insurance 10. Do I have to take out insurance? Your credit provider can insist you take out or pay the cost of types of insurance specifically allowed by law. These are compulsory third party personal injury insurance, mortgage indemnity insurance or insurance over property covered by any mortgage. Otherwise, you can decide if you want to take out insurance or not. If you take out insurance, the credit provider can not insist that you use any particular insurance company. 11. Will I get details of my insurance cover? Yes, if you have taken out consumer credit insurance and the premium is financed by your credit provider. In that case the insurer must give you a copy of the policy within 14 days after the insurer has accepted the insurance proposal. Also, if you acquire an interest in any such insurance policy which is taken out by your credit provider, then within 14 days of that happening, your credit provider must ensure you have written notice of the particulars of that insurance. You can always ask the insurer for details of your insurance contract. If you ask in writing your insurer must give you a statement containing all the provisions of the contract. 12. If the insurer does not accept my proposal, will I be told? Yes, if the insurance was to be financed by the credit contract. The insurer will inform you if the proposal is rejected. 13. In that case, what happens to the premiums? Your credit provider must give you a refund or credit unless the insurance is to be arranged with another insurer. General 14. What do I do if I cannot make a Card repayment? Get in touch with your credit provider immediately. Discuss the matter and see if you can come to some arrangement. You can ask your credit provider to change your contract in a number of ways. For example to reduce or delay payments for a set time.

Page 38 of 43 Credit Card Conditions of Use 15. What if my credit provider and I cannot agree on a suitable arrangement? If the credit provider refuses your request to change the repayments, you can ask the credit provider to review this decision if you think it is wrong. If the credit provider still refuses your request you can complain to the AFCA scheme. Further details about this scheme are set out below in question 17. 16. Can my credit provider take action against me? Yes, if you are in default under your contract. But the law says that you cannot be unduly harassed or threatened for repayments. If you think you are being unduly harassed or threatened, contact the the AFCA scheme or ASIC, or get legal advice. 17. Do I have any other rights and obligations? Yes. The law will give you other rights and obligations. You should also read your contract carefully. Important If you have any complaints about your credit contract, or want more information, contact your credit provider. You must attempt to resolve your complaint with your credit provider before contacting the AFCA scheme. If you have a complaint which remains unresolved after speaking to your credit provider you can contact the AFCA scheme or get legal advice. The AFCA scheme is a free service established to provide you with an independent mechanism to resolve specific complaints. The AFCA scheme can be contacted at: GPO Box 3 Melbourne VIC 3001 Telephone: 1800 931 678 (free call) Email: info@afca.org.au Website: www.afca.org.au Please keep this information statement. You may want some information from it at a later date. This collection notice does not form part of the Bankwest Credit Cards Condition of Use.

Page 39 of 43 Credit Card Conditions of Use Privacy Collection Notice Bankwest is a division of the Commonwealth Bank of Australia (CBA). In this Privacy Collection Notice ‘we’ or ‘us’ refers to Bankwest, CBA and its subsidiaries (the CommBank Group). This Privacy Collection Notice describes the main ways we collect, use and share your personal information when you apply for or hold a or credit card. This notice should be read in conjunction with our Privacy Statement at bankwest.com.au/privacy which explains the other ways we may collect, use and share your personal information, how to access your personal information and correct it when it is wrong, how to make a privacy related complaint and how we will deal with it. If you would like a copy of our Privacy Statement, need more information, or have a privacy concern you can message us in the Bankwest App or call 13 17 19. Sometimes we update our Privacy Statement and you can always find the most up to date version on the Bankwest website.

Neither this notice nor our Privacy Statement form part of any contract you have with us. What personal information we collect The personal information we collect includes: – information about your identity, such as your name, date of birth and contact details – information contained in identity documents or government documents – information about your interactions with us, such as your transactions, payments and use of our website – your credit history, including information obtained from Credit Reporting Bodies (CRBs) – financial information you give us. We may collect this information from you directly or from third parties, including joint applicants, someone acting on your behalf (such as a parent or guardian), the primary card holder (where you are an additional card holder), your agent, an authorised operator of your account, CRBs or other credit providers. If you give us information about others (such as an additional card holder) you must have their authority and tell them what is in this Privacy Collection Notice.

Page 40 of 43 Credit Card Conditions of Use 2. Why we collect your personal information and what we use it for The reasons we collect and use your personal information include to: – confirm your identity and manage our relationship with you – assess your application for credit and minimise risk – design, price, provide, manage and improve our products and services – comply with relevant laws such as the Anti-Money Laundering and Counter-Terrorism Financing Act and the responsible lending provisions of the National Consumer Credit Protection Act – communicate with you, including to send you commercial electronic messages, for direct marketing purposes and to make phone calls to you. 3. Exchanging your personal information with Credit Reporting Bodies (CRBs) Identity verification In order to verify your identity, we may exchange your name, residential address and date of birth with a CRB to assess whether the information you provided matches the information in any credit file about you. The CRB may provide us with the results of its identity verification assessment and may use your personal information, together with personal information it holds about other people, for the purposes of preparing that assessment. You consent to us providing your personal information to a CRB and requesting an identity verification assessment. Credit reports Where you apply for credit, we may also need to ask CRBs for your credit report to help us assess your credit application, manage your credit card, collect overdue payments, and act in the event of fraud or serious credit infringement. Other exchanges Other information we may exchange about you with CRBs includes: – the type and amount of credit you have applied for – if you have missed any repayments – any temporary and permanent financial hardship arrangements that you may have with us – if you have committed fraud or another serious credit infringement.

Page 41 of 43 Credit Card Conditions of Use The CRBs we use are Equifax Pty Ltd (Equifax.com.au), Experian Australia Credit Services Pty Ltd (Experian.com.au) and illion Australia Pty Ltd (illion.com.au). See the ‘Your Credit Information’ section in our Privacy Statement at bankwest.com.au/privacy for key information about credit reporting matters such as how to access and correct information, make a complaint and how we will deal with complaints, tell a CRB not to use your information for direct marketing and what to do if you think you have been, or are likely to be, a victim of fraud including identity fraud. 4. Exchanging your personal information with other credit providers To assess your application for credit we may exchange your credit eligibility information, such as the type and amount of credit you have open, or have had in the past, your repayment history and any defaults by you with other credit providers. You consent to us providing this information to other credit providers for these purposes. 5. Who else we share your personal information with Others we may share your personal information with include: – the CommBank Group who can use the information for the same purposes as us – Government and law enforcement agencies and regulators – other people related to your account such as account signatories, joint account holders, or people who have authority on your account, as well as other persons necessary to execute your instructions – other service providers who help us deliver our credit cards and other products and services – third party service providers such as marketing companies or mail houses to send messages on our behalf for direct marketing purposes. Please read our Privacy Statement at bankwest.com.au/privacy for more information about the types of service providers we use, what information we share with them and why we share it.

Page 42 of 43 Credit Card Conditions of Use 6. Acknowledgement and Consent By you activating your Card Account you acknowledge the information in this Privacy Collection Notice and our Privacy Statement at bankwest.com.au/privacy. You consent to us: – exchanging your personal information with credit reporting bodies to verify your identity (see part 3) – exchanging your personal information with other credit providers (see part 4) If you do not acknowledge and consent to the above, we may not be able to provide you with the best products and services that suit your needs.

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02 July 2026 bankwest.com.au Bankwest, a division of Commonwealth Bank of Australia ABN 48 123 123 124 AFSL / Australian Credit Licence 234945. BWA-BC14 020726

Source: https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20070628-144347.pdf

Bankwest More Rewards. Terms and Conditions Credit Cards

Contents

Overview of Bankwest More Rewards 1
Definitions 3
When do these Terms and Conditions apply? 5
How do you earn Points? 6
What restrictions apply to your Points? 6
Bankwest More Rewards 8
When you will not earn Points and when we may cancel your Points 12
Disputed statements and general dispute resolution procedure 13
Termination 15
Changes to these Terms and Conditions 15
How do we communicate with each other? 17
Your responsibility to pay any costs 17
Limitation on liability 17 Privacy collection notice 19

Page 1 of 19 Bankwest More Rewards

Overview of Bankwest More Rewards Subject to clause 6, if you hold a Bankwest More Mastercard (“Classic”), Bankwest More Platinum Mastercard or Bankwest More World Mastercard Credit Card you will earn Points on Eligible Purchases as follows: Classic Platinum World Points earned per A$1 of eligible purchases 1.5 points up to $1,000 Each Month and 0.30 points thereafter 2 points up to $1,500 Each Month and 0.50 points thereafter 2.5 points up to $2,000 Each Month and 0.50 points thereafter P urchases Points Cap (max. amount of Points you can earn Each Year) Unlimited Unlimited Unlimited Purchases that earn Points Points are earned on all purchases made using the Card Account except: – cash advances – Balance Transfers – interest charges – credit fees and charges – bank fees and charges – transactions we decide are disputed due to being fraudulent or which involve an abuse of your Card Account – foreign exchange purchases – travellers cheques – BPAY payments; ie bill payments and other payments made through the BPAY Electronic Payments Scheme – Government charges (other than GST payable in connection with the purchase of goods and services on which you earn points) – all purchases for gaming or gambling transactions including gambling chip purchases and online gambling purchases – Credit card protection insurance – Business Related Expenses – any other transactions we reasonably determine from time to time should be excluded by us.

Page 2 of 19 Bankwest More Rewards More Rewards The following Rewards may from time to time be offered as part of the Bankwest More Rewards program: – Gift Cards / Vouchers – cashback into your Bankwest More Rewards credit card account – charitable donations * . Minimum Points/time required to redeem In order to initially claim a Reward you must: – have spent an initial $1,500 on eligible purchases using your Card – have held a Card Account for at least 60 days. When transferring to a Card Account from another Bankwest credit card, you must have held a Bankwest credit card for at least 60 days. The following sets out the Annual Bonus Points that apply to eligible Account Holders. Note: Annual Bonus Points will not be available to Account Holders who open a Card Account after 31 July 2023. For Account Holders who apply for a Card Account on or after 15 May 2017 and open a Card Account up to 31 December 2022, you will no longer be eligible to earn Annual Bonus Points from 1 January 2024. If your card anniversary date is on or before 31 December 2023 and you have met the minimum spend requirement, you will still be eligible to receive the Annual Bonus Points for that previous year. For Account Holders who open a Card Account between 1 January 2023 and 31 July 2023, you will no longer be eligible to earn Annual Bonus Points after 31 July 2024. If your card anniversary date is on or before 31 July 2024 and you have met the minimum spend requirement, you will still be eligible to receive the Annual Bonus Points for that previous year. Classic Platinum World Minimum spend on Eligible Purchases Each Year $24,000 $48,000 $84,000 Annual Bonus Points Each Year 19,500 75,000 115,000

Page 3 of 19 Bankwest More Rewards You will earn Points on Eligible Purchases which will automatically be credited to your Bankwest More Rewards account. Refer to clause 6 for conditions relating to redemption of Points as rewards. Our rights to vary these Terms and Conditions as outlined in clause 10 include a right to change how points are earned and credited as described in the above tables. For more information, go to our website at bankwest.com.au , contact the Bankwest Contact Centre on 13 17 19 or message us in the Bankwest App.

This reward is not currently available. If this reward becomes available, further information will be provided on our website.

Definitions In these Terms and Conditions, unless the context otherwise requires: Account Holder means the person in whose name a Card Account is kept and who is responsible for all transactions on the Card but does not include an Additional Cardholder. Additional Cardholder means a person to whom a Card is issued at your request and who is authorised to transact on the Card Account. Balance Transfer means the crediting of funds to another credit, charge or store Card Account held by you or a third party which is not an account with us. Bankwest More Rewards means the rewards program operated by us under these Terms and Conditions. Bonus Partner means a merchant who agrees to offer you Bonus Points in connection with Bankwest More Rewards as notified by us from time to time. Bonus Points means any extra Points that are earned as part of any special offer or promotion or as a result of you or an Additional Cardholder using your Card Account to purchase goods or services from Bonus Partners. Business Related Expenses means those purchases that are not made for personal, domestic or household purposes.

Page 4 of 19 Bankwest More Rewards Card means a Classic, Platinum or World credit card issued by us that we deem eligible to participate in Bankwest More Rewards but excludes all of our business credit cards and any other credit card we exclude from Bankwest More Rewards from time to time. Card Account means a Card account held by you with us. Card Contract Variation means the variation of your Card Account which you request and we agree to, including changes to the type of Card you have, the interest rate, fees and product features. Each Year or Year means each successive period of 12 monthly statements. Eligible Purchases means purchases made using a Card Account which are not excluded under Clause 5 of these Terms and Conditions from earning Points or Bonus Points. Operator of the Rewards Program means the entity that we appoint to provide us with services (including Rewards sourcing and fulfilment) in relation to Bankwest More Rewards. Points means the points earned as a result of you or an Additional Cardholder making an Eligible Purchase from merchants accepting your Card, subject to the restrictions in Clause 5. Redemption Partner means us or any other person who agrees to provide a Reward in connection with Bankwest More Rewards. Reward means any goods, services or benefits obtained by you when you redeem Points and Bonus Points through Bankwest More Rewards. Rewards Statement means the record established and issued by us in your name for the purpose of informing you about the Points you have earned, the Points you have redeemed, the Points expiry and your Points balance which will form part of your monthly Credit Card Account statement. Gift Card/Voucher means any voucher issued to you when you redeem Points through Bankwest More Rewards which you may present to us and/or a Redemption Partner to obtain or pay for the goods and/or services specified in the Gift Card/Voucher. we, us the Bank or Bankwest means Bankwest, a division of Commonwealth Bank of Australia ABN 48 123 123 124 AFSL/ Australian credit licence 234945 and its successors and assigns.

Page 5 of 19 Bankwest More Rewards website means the Bankwest More Rewards website located at http://www.bankwestmorerewards.com.au. Website Terms and Conditions means the additional terms and conditions located on the website which may be amended by us from time to time. you and your mean the Account Holder. Unless they are defined above, terms which have a defined meaning in the conditions of use brochures which govern the use and operation of our credit cards, will have the same meaning in these Terms and Conditions. The singular includes the plural and vice versa. A reference to anything includes the whole and each part of it. The words ‘ including’ or ‘ such as’ when introducing an example does not limit the meaning of the words to which the example relates to or to examples of a similar kind. 3. When do these Terms and Conditions apply? These Terms and Conditions govern all aspects of the Bankwest More Rewards program. The Terms and Conditions are governed by the laws of Western Australia. You agree to submit to the jurisdiction of the courts of Western Australia in any action or legal process concerning Bankwest More Rewards and your rights under Bankwest More Rewards Program. The Website Terms and Conditions will also govern certain aspects of the Bankwest More Rewards program from time to time. If these apply, you will be notified on our website. It is your responsibility to read and understand the Terms and Conditions and the Website Terms and Conditions. If you have difficulty reading or understanding these, please contact us or message us in the Bankwest App for further assistance. Alternatively we can refer you to an interpreter or other adviser. You accept these Terms and Conditions, as amended from time to time, when you activate your Card Account. The Privacy collection notice at the end of this document does not form part of these Terms and Conditions.

Page 6 of 19 Bankwest More Rewards Additional Cardholders accept these Terms and Conditions when they first use an additional Card. If you or any Additional Cardholder: – materially fail to comply with these Terms and Conditions – materially fail to comply with the conditions of use of your Card – cause any material misrepresentation or are fraudulent in the use of your Card – use your Card in a manner materially inconsistent with these Terms and Conditions Acting reasonably we may terminate your rights to participate in or access the Bankwest More Rewards program, to earn Points, or redeem Points and we will provide reasonable notice where this is practicable. Your use and the operation of your Card are subject to separate conditions of use which were provided with your Card. If you would like an additional copy of these conditions of use, please contact us on 13 17 19, message us in the Bankwest App or visit our website. 4. How do you earn Points? Where your purchase is an Eligible Purchase, we will include any GST as part of the purchase price for the purpose of calculating your Points. You and the Additional Cardholder can earn Points for Eligible Purchases however these Points are solely for your benefit. Bonus Points may be earned as part of a special offer or promotion. You may also earn Bonus Points from time to time on certain purchases from Bonus Partners that are charged to your Card Account (relevant purchase). The number of Bonus Points that can be earned in respect of a relevant purchase will be determined by us at our absolute discretion. A list of Bonus Partners and relevant purchases is available on our website. 5. What restrictions apply to your Points? The following are not Eligible Purchases, and you will not earn Points or Bonus Points in respect of them: – cash advances – balance transfers

Page 7 of 19 Bankwest More Rewards – interest charges – credit fees and charges – bank fees and charges – transactions we decide are disputed due to being fraudulent or which involve an abuse of your Card Account – foreign exchange purchases – travellers cheques – all purchases for gaming or gambling transactions including gambling chip purchases and online gambling purchases – BPAY payments; ie bill payments and other payments made through the BPAY Electronic Payments Scheme – government charges (other than GST payable in connection with the purchase of good and services on which you earn Points) – credit card protection insurance – business related expenses – any other transaction we reasonably determine from time to time should be excluded by us. When you obtain a refund or reimbursement for charges previously incurred on your Card Account (whether paid or not), for example when you return goods, we will reduce your Points by the corresponding amount of the Points or Bonus Points accrued to your Card Account. When Points are converted to Rewards, they are redeemed in the order in which they were earned. This means that the oldest Points listed in your Rewards Statement are redeemed first whenever you claim a Reward. Points and Bonus Points are not property and do not have any monetary value except in respect of the value reasonably assigned to them by us. Points and Bonus Points may not be converted or redeemed for cash, sold, transferred, assigned or otherwise dealt with except in accordance with these Terms and Conditions.

Page 8 of 19 Bankwest More Rewards 6. Bankwest More Rewards 6.1. Points You will, subject to this clause 6, earn Points for Eligible Purchases. The rate of accrual of the Points is set by Bankwest in its absolute discretion and is subject to change from time to time. Any such changes will be notified to you in accordance with clause 10 of these Terms and Conditions. Classic Platinum World Points earned per A$1 of eligible purchases 1.5 points up to $1,000 Each Month and 0.30 points thereafter 2 points up to $1,500 Each Month and 0.50 points thereafter 2.5 points up to $2,000 Each Month and 0.50 points thereafter P urchases Points Cap (max. amount of Points you can earn Each Year) Unlimited Unlimited Unlimited Any Points not redeemed by you within 36 months after the end of the last working day of the month in which the Points were earned will expire and will be deducted from your Rewards Statement. 6.2. Annual Bonus Points Note: Annual Bonus Points will not be available to Account Holders who open a Card Account after 31 July 2023. For Account Holders who apply for a Card Account on or after 15 May 2017 and open a Card Account up to 31 December 2022, you will no longer be eligible to earn Annual Bonus Points from 1 January 2024. If your card anniversary date is on or before 31 December 2023 and you have met the minimum spend requirement, you will still be eligible to receive the Annual Bonus Points for that previous year.

Page 9 of 19 Bankwest More Rewards For Account Holders who open a Card Account between 1 January 2023 and 31 July 2023, you will no longer be eligible to earn Annual Bonus Points after 31 July 2024. If your card anniversary date is on or before 31 July 2024 and you have met the minimum spend requirement, you will still be eligible to receive the Annual Bonus Points for that previous year. The minimum spend requirements for eligible Account Holders is as follows: – 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 – 115,000 Points if your Card is a World Card and you spend a minimum of $84,000 on Eligible Purchases in that Year. Any Annual Bonus Points earned: – will be credited to your Points balance within 60 days of the yearly anniversary of the Card Account opening and each Year thereafter. 6.3. What are the Rewards? Bankwest More Rewards may include the following types of Rewards: – Gift Cards / Voucher – charitable donations* (subject to clause 6.8) – cashback into your Bankwest More Rewards credit card account. 6.4. Restrictions on claiming a Reward? You may claim a Reward if at the time of making your claim: – the Reward is available for selection on our website – you have the number of Points required to claim the Reward as shown on our website (including any Points required for delivery of the Reward) – you have spent an initial $1500 on eligible purchases using your Card – you have been an Account Holder for at least 60 days (unless you have converted an existing Bankwest credit card account to a Card Account in which case it must be at least 60 days

Page 10 of 19 Bankwest More Rewards since your existing credit account was opened) – your Card has not been reported lost or stolen – you have paid the minimum amount due on your Card Account statement by the due date – you are over 18 years of age. If your Card Account is closed or access to it is cancelled, you have 30 days within which to redeem your Points, after which, all Points will immediately be cancelled. Additional Cardholders may not claim Rewards. 6.5. How do you claim a Reward? You can redeem a Reward using the website www.bankwestmorerewards.com.au . Each claim for a Reward is subject to: – the specific conditions upon which the Redemption Partner makes the Rewards available. If there is any inconsistency between the Redemption Partner’s conditions and these Terms and Conditions, the Redemption Partner’s conditions will prevail – any special conditions that apply to the Reward For each Reward claimed, an estimated delivery time will be given to you on the website. Details of any fees relating to claiming a Reward (including for delivery) and details of any other conditions applicable to the redemption of a Reward will be set out on the website. 6.6. Customer Help If you have a query about: – these Terms and Conditions or the Website Terms and Conditions – a lost or delayed Reward – a Reward which has been received – the website – your Card Account – your Rewards Statement. Please call the Bankwest Contact Centre on 13 17 19 or message us in the Bankwest App.

Page 11 of 19 Bankwest More Rewards 6.7. Lost, damaged or returned Rewards You must immediately inform us if a Reward does not arrive. Please see the Website Terms and Conditions for more information on: – returning or exchanging a Reward Where a Reward is validly returned and a replacement Reward is not supplied, the number of Points used to redeem this Reward will be credited to your Rewards balance. 6.8. Rules for particular types of Rewards The following are specific rules relating to certain Rewards. These rules apply in addition to the Website Terms and Conditions. Gift Card / Vouchers You may redeem your Points for a Gift Card / Voucher. You must use your Gift Card / Voucher before the expiry date (if the voucher contains one) from the Redemption Partner named on the Gift Card / Voucher. You cannot redeem Gift Card / Voucher for cash, cheque, money orders or other payment instruments. Cashback Rewards Cashback Rewards can be made by us and placed into your Bankwest More Rewards credit card account in your name. Charitable donations* You may redeem your Points for a donation to a participating charity. You should make your own inquiries with your tax advisor as to whether such redemption gives rise to any tax deductions. Further Terms and Conditions may be made by us from time to time and are available on our website.

This reward is currently not available. If this reward becomes available further information will be provided on our website. 6.9. How do you keep track of your Point and Rewards Entitlements or from purchases debited? You will receive your rewards information showing the Points that have been credited to your Points balance during that statement period and any Points debited from your Points balance as a result of you redeeming any Rewards during the period covered by the Rewards Statement. Your Points activity will be summarised on your monthly credit statement to reflect the Points earned, Points redeemed and Points expired. New points you have earned are added to your Rewards

Page 12 of 19 Bankwest More Rewards Statement on a monthly basis to reflect the Points earned on purchases as shown on your most recent Credit account statement. You can view your Points summary daily through the website. Points can be used to claim Rewards as soon as they have been processed and can be viewed by you through the website. Acting reasonably, we may adjust your total Points (backdating the adjustment if necessary) if Points have been incorrectly credited or debited for any reason. 6.10. Changes to Bankwest More Rewards As Points, Bonus Points, Redemption Partners, Bonus Partners and Rewards can change at any time, in accordance with clause 10, you should always check with us that the information in the website is up to date before you claim a Reward. We take care to ensure that the Rewards catalogue and other communications to you are accurate and not misleading at the time of print. However we accept no responsibility for any error or inaccuracy other than inaccuracies caused directly by an act or omission by us, our employees, contractors or agents. 7. When you will not earn Points and when we may cancel your Points You will not earn Points or Bonus Points in respect of an Eligible Purchase (and we may correct your Rewards Statement by deleting or reversing any Points invalidly awarded) if: – a monthly payment is more than 30 days overdue – your Card has been reported lost or stolen and a lost or stolen status has been placed on your Card Account – you have reached your Points Cap – we cancel your Card or terminate your Card Account – we reasonably decide that you or an Additional Cardholder are behaving or has behaved fraudulently – a transaction relates to the conduct of a business, the Card is used to make business-related purchases (including any purchases of a personal business nature) or we reasonably believe the Card is used to purchase goods or services for Business Related Expenses

Page 13 of 19 Bankwest More Rewards Bankwest reserves the rights to reverse or cancel any Reward Points credited incorrectly, or not in accordance with, or in breach of, the Terms and Conditions at any time. We will not allocate Points or Bonus Points (and, acting reasonably, may reverse an allocation of Points or Bonus Points) in respect of any Eligible Purchase which is the subject of cancellation, refund or return. The Rewards Statement may also be adjusted to correct billing errors or disputes. Any reversal of Points or Bonus Points will be reversed at the rate at which they were earned. You will not earn Points or Bonus Points in respect of an Eligible Purchase or the balance in your Card Account if those points are accrued while your Account is subject to an account hold or similar restriction. Your Points (including Bonus Points) may be cancelled if: – you do not make a transaction or payment on the Card Account for a year – we reasonably suspect that you or an Additional Cardholder is behaving fraudulently – the Account Holder dies. If your Card Account is closed or access to it is cancelled, you have 30 days within which to redeem your Points, after which, all Points will immediately be cancelled. Bonus Partners may exit Bankwest More Rewards without prior notification and Bonus Points will not be allocated from the exit date. You are not eligible for any Bonus More Points on a new Card Account as part of an introductory special offer or promotion if you have held another Bankwest credit card participating in the Bankwest More Rewards program in the previous 24 months or if you upgrade or vary another Bankwest credit card to a new Card participating in the Bankwest More Rewards program, unless the special offer or promotion terms and conditions provide otherwise. 8. Disputed statements and general dispute resolution procedure 8.1. How will any errors, mistakes and disputes be handled? It is your responsibility to check the accuracy of information in your Rewards Statement and to notify us promptly in writing if you dispute any information in the Rewards Statement.

Page 14 of 19 Bankwest More Rewards If you have a dispute or complaint about Bankwest More Rewards, please let us know in writing and include a readable copy of the relevant sales receipt, Card Account statement or other evidence to support your claim. We will notify you of the name and contact number of the officer investigating your dispute. We will contact you if we require further information, and you must supply this information within 10 business days. 8.1.1 If we are unable to resolve the matter immediately to both your and our satisfaction we will advise you in writing of our procedures for further investigation and handling of your complaint. 8.1.2 Within 21 days of receiving your complaint, we will advise you in writing of either: – the o utcome of our investigation – the fact that we need more time to complete our inve stigation. We will complete our investigation within 45 days of receipt of your complaint unless there are exceptional circumstances. 8.1.3 If we are unable to resolve your complaint within 45 days we will write to you and let you know the reasons for the delay and provide you with monthly updates on the progress of our investigation and its likely resolution date, except where we are waiting for a response from you and you have been advised that we require such a response. 8.2. Outcome On completion of our investigation, we will advise you in writing of the outcome of our investigation and the reasons for our decision. We will advise you in writing that, if you are not satisfied with our findings, you may request a review. 8.3. If you are not satisfied If you are not satisfied with our findings, you may request our Customer Care Department to review the matter. Contact them by writing to: Manager Customer Care GPO Box E237, Perth WA 6841 or phone to: Telephone Freecall: 1800 650 111

Page 15 of 19 Bankwest More Rewards When we advise you of our decision we will also advise you of further action you may take in respect of your complaint if you are not satisfied with our decision. For instance, you may be able to refer the matter (free of charge) to: Australian Financial Complaints Authority (AFCA) GPO Box 3, Melbourne VIC 3001 or phone to: Telephone: 1800 931 678 Website: www.afca.org.au The AFCA dispute resolution process is impartial, independent and free for our customers. You may also be able to refer your complaint to consumer affairs departments or small claims tribunals. 9. Termination Acting reasonably, we can cancel the Bankwest More Rewards program after providing you with 30 days written notice. When the Bankwest More Rewards program is terminated by us under this Clause 9, you have 90 days from the date of the cancellation of Bankwest More Rewards to redeem your Points (including Bonus Points). Points and Bonus Points will be forfeited after this period. 10. Changes to these Terms and Conditions We can change any or all aspects of Bankwest More Rewards (including these Terms and Conditions) at any time without your consent. We’ll act reasonably in exercising this right and will only do so if it is reasonably necessary in order to protect our legitimate interests. Changes we may make include a change to: – the Rewards available for redemption through Bankwest More Rewards – the way you can earn Points or Bonus Points – the way you can redeem Points through Bankwest More Rewards

Page 16 of 19 Bankwest More Rewards – the number of Points required to redeem for a Reward through Bankwest More Rewards – the number of Points you can earn for using your Card – those retailers that are Bonus Partners – those persons that are Redemption Partners. We will provide at least 30 days prior notice of changes, unless: – a change is necessitated by an immediate need to restore or maintain the security of our systems or of individual accounts; or – a change is necessitated by changes in law, an official directive or the guidelines or requirements of a regulator; or – a change is necessitated by changes to the More Rewards program; – we reasonably consider the change to be non-material; or – the change is beneficial to you. You agree that we will notify you about any changes by: – electronic communication to your nominated address – publishing a notice on the Bankwest website located at bankwest.com.au – mail to your nominated address, or – statement message in your account statement. If you are not satisfied with any change or variation in Bankwest More Rewards or these Terms and Conditions, or for any reason wish to withdraw from your Bankwest More Rewards program, you may close your Card Account in accordance with Clause 18 of the Bankwest Credit Card Conditions of Use Account. Bonus Points Partners also reserve the right to make any changes, at any time and without prior notice, to the goods and services in relation to which the Bonus Points are awarded, and the number of Bonus Points you will receive as a result of purchasing such goods and services. We may novate some or all of our rights and obligations under these Terms and Conditions to another person at any time. You agree that you consent to such novation when you (or an Additional Cardholder) first use your Card or Card Account after we notify you of the novation.

Page 17 of 19 Bankwest More Rewards We have no liability to you for any disruption to Bankwest More Rewards or any delay or inability to provide Points, Bonus Points or Rewards caused by circumstances outside our control, such as strikes or industrial action, Acts of God, floods, weather, or war or civil disturbance. 11. How do we communicate with each other? Notice of any change to these Terms and Conditions will be communicated to you by the website, the Rewards statement or by written notice to the address you have given us for the purposes of your Card Account. You must tell us if you change your address so that Rewards are sent to the correct address. You should address all correspondence in relation to Bankwest More Rewards to: Bankwest More Rewards GPO Box 8411, Perth WA 6849 or to such other address as is advised to you from time to time. 12. Your responsibility to pay any costs It is your responsibility to determine the tax impact on you of receiving Points, Bonus Points and Rewards. We do not accept any responsibility for any income tax liability you may incur under Bankwest More Rewards. We may introduce a membership fee or other fees in connection with Bankwest More Rewards. If we introduce a new fee, we will notify you in advance. 13. Limitation on liability If you are a consumer, as defined by the Competition and Consumer Act 2010 or the Australian Securities and Investments Commission Act 2001, you may be entitled to the benefit of consumer guarantees or implied conditions or warranties. You should not interpret anything in these Terms and Conditions as excluding, restricting or modifying any such consumer guarantees or implied conditions or warranties or.

Page 18 of 19 Bankwest More Rewards Subject to these consumer guarantees and implied conditions and warranties, we: – make no express or implied warranty or representation in connection with the Rewards (including with respect to type, quality, standard or fitness for any purpose) – are not liable for any loss you suffer (including consequential loss) arising in connection with a Reward (including failure to provide a Reward, its loss, theft or destruction) Except to the extent that we cannot under any applicable law limit our liability, our liability is limited to: – where the Reward constitutes goods, the replacement of the goods or supply of equivalent goods, repair of the goods, payment of the cost of replacing the goods or acquiring equivalent goods, or payment of the cost of repairing the goods – where the Reward constitutes a service, supplying the service again or payment of the cost of having the service supplied again. Our failure to enforce a term of these Terms and Conditions does not mean we waive that term. Nothing in these Terms and Conditions prevents you from being a member of any other reward program.

Page 19 of 19 Bankwest More Rewards Privacy collection notice This collection notice does not form part of the More Rewards Terms and Conditions. You acknowledge that the Operator of the Rewards Program, and any of our agents, employees, contractors, consultants, affiliates and related bodies corporate to access, collect and use information about you in connection with Bankwest More Rewards including: – personal details such as your name, address, date of birth, email address and occupation – transaction or event information resulting in Points being credited or debited – the number of Points credited or debited – the number of Points you earn – things you tell us about Bankwest More Rewards. We will not use or disclose any of the information referred to above except in connection with: – administering Bankwest More Rewards – providing services and Rewards relating to Bankwest More Rewards – planning and research of our services – promotion and marketing (whether targeted, direct or indirect) of our services and the goods or services of us or any other Bonus Partner or Redemption Partner. You acknowledge that we may disclose your information to any party to facilitate the above purposes.

Page 20 of 19 Bankwest More Rewards

Page 21 of 19 Bankwest More Rewards bankwest.com.au Bankwest, a division of Commonwealth Bank of Australia ABN 48 123 123 124 AFSL / Australian Credit Licence 234945. 1 October 2026 BWA-BC19 011026

Source: https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20120629-163837.pdf

Bankwest Qantas Rewards. Terms and Conditions Credit Cards

Contents

Overview of Bankwest Qantas Rewards 1
Definitions 2
When do these Terms and Conditions apply? 4
How do you earn Qantas Points? 5
What restrictions apply to your Qantas Points? 5
Bankwest Qantas Rewards 7
When you will not earn Qantas Points and when we may cancel your Qantas Points 10
Disputed statements and general dispute resolution procedure 12
Termination 13
Changes to these Terms and Conditions and Bankwest Qantas Rewards 14
How do we communicate with each other? 15
Your responsibility to pay any costs 15
Limitation on liability 15 Qantas privacy collection notice 17

Page 1 of 17 Bankwest Qantas Rewards

Overview of Bankwest Qantas Rewards Subject to clause 6, if you hold a Bankwest Qantas Mastercard (“Classic”), Bankwest Qantas Platinum Mastercard or Bankwest Qantas World Mastercard Credit Card you will earn Qantas Points on Eligible Purchases, which will automatically be credited to the Nominated Qantas Frequent Flyer Account once a month once you provide us with the Nominated Qantas Frequent Flyer Account membership number. Classic Platinum World Qantas Points earned per A$1 of eligible purchases 0.25 points up to $1,500 Each Month and 0.10 points thereafter 0.6 points up to $2,500 Each Month and 0.15 points thereafter 1.00 points up to $3,000 Each Month and 0.20 points thereafter Qantas Points Cap (max. amount of Qantas Points you can earn Each Month) unlimited unlimited unlimited Purchases that earn Qantas Points Qantas Points are earned on all purchases made using the Card Account except: – cash advances; – Balance Transfers; – interest charges; – credit fees and charges – bank fees and charges; – transactions we decide are disputed due to being fraudulent or which involve an abuse of your Card Account – foreign exchange purchases; – travellers cheques; – all purchases for gaming or gambling transactions including gambling chip purchases and online gambling purchases; – BPAY payments; i.e bill payments and other payments made through the BPAY Electronic Payments Scheme; – Government charges (other than GST payable in connection with the purchase of goods and services on which you earn Qantas Points); – Credit card protection insurance; – Business Related Expenses; and – any other transactions we reasonably determine from time to time should be excluded by us.

Page 2 of 17 Bankwest Qantas Rewards 1.1 The provisions of Clause 6 of these Terms and Conditions also apply. Our rights to vary these Terms and Conditions as outlined in clause 10 include a right to change how Qantas Points are earned and credited as described in the above tables. For more information go to our website at bankwest.com.au or contact the Bankwest Customer Help Centre on 13 17 19 or message us in the Bankwest App. 2. Definitions In these Terms and Conditions, unless the context otherwise requires: Account Holder means the person in whose name a Card Account is kept and who is responsible for all transactions on the Card but does not include an Additional Cardholder. Additional Cardholder means a person to whom a Card is issued at your request and who is authorised to transact on the Card Account. Balance Transfer means the crediting of funds to another credit, charge or store Card Account held by you or a third party which is not an account with us. Bankwest Qantas Rewards means the rewards program operated by us which allows you to earn Qantas Points which are directly credited to the Nominated Qantas Frequent Flyer Account in accordance with these Terms and Conditions. Bonus Qantas Points means any extra Qantas Points that are earned as part of any special offer or promotion. Business Related Expenses means those purchases that are not made for personal, domestic or household purposes. Card means a Classic, Platinum or World credit card issued by us that we deem eligible to participate in the Bankwest Qantas Rewards program, but excludes all of our business credit cards and any other credit card we exclude from Bankwest Qantas Rewards from time to time. Card Account means a Card account held by you with us. Each Month means the period in which a statement of account is issued. Each Year means each successive period of 12 monthly statements. Eligible Purchases means purchases made using the Card Account which are not excluded under Clause 5 of these Terms and Conditions from earning Qantas Points or Bonus Qantas Points.

Page 3 of 17 Bankwest Qantas Rewards Nominated Frequent Flyer Account means the Qantas Frequent Flyer Account related to the Qantas Frequent Flyer membership number that you provide to us to participate in the program. Operator of the Rewards Program means the entity that we appoint to provide us with services in relation to Bankwest Qantas Rewards. Qantas Points means the points in the Qantas Frequent Flyer Program earned as a result of you or an Additional Cardholder making an Eligible Purchase from merchants accepting your Card, subject to the restrictions in Clause 5. Qantas means Qantas Airways Limited ABN 16 009 661 901. Qantas Conditions of Carriage means the Conditions of Carriage which apply to travel on Qantas flights. Qantas Frequent Flyer Account means the account established by Qantas to record an individual’s membership entitlements of the Qantas Frequent Flyer Program. Qantas Frequent Flyer Program means the loyalty program, operated by Qantas, known as the “Qantas Frequent Flyer Program”. Rewards Statement means the record established by us in your name and printed on your Card statement for the purpose of informing you about the Qantas Points and Bonus Qantas Points you have earned (which are to be credited to the Nominated Qantas Frequent Flyer Account in accordance with clause 6). we , us , our or Bankwest means, a division of Commonwealth Bank of Australia ABN 48 123 123 124 AFSL/Australian credit licence 234945 and its successors and assigns. website means the Bankwest website located at bankwest.com.au Website Terms and Conditions means the additional terms and conditions located on the website which may be amended by us from time to time. you and your mean the Account Holder. Unless they are defined above, terms which have a defined meaning in the conditions of use brochures which govern the use and operation of our credit cards, will have the same meaning in these Terms and Conditions. The singular includes the plural and vice versa. A reference to anything includes the whole and each part of it. The words ‘including’ or ‘such as’ when introducing an example does not limit the meaning of the words to which the example relates to or to examples of a similar kind.

Page 4 of 17 Bankwest Qantas Rewards 3. When do these Terms and Conditions apply? These Terms and Conditions govern all aspects of the Bankwest Qantas Rewards program. The Terms and Conditions are governed by the laws of Western Australia. You agree to submit to the jurisdiction of the courts of Western Australia in any action or legal process concerning Bankwest Qantas Rewards and your rights under Bankwest Qantas Rewards. The Website Terms and Conditions will also govern certain aspects of the Bankwest Qantas Rewards program from time to time. If these apply, you will be notified on our website. It is your responsibility to read and understand the Terms and Conditions and the Website Terms and Conditions. If you have difficulty reading or understanding these, please contact us or message us in the Bankwest App for further assistance. Alternatively we can refer you to an interpreter or other adviser. You accept these Terms and Conditions, as amended from time to time, when you activate your Card Account. The Qantas privacy collection notice at the end of this document does not form part of these Terms and Conditions. Additional Cardholders accept these Terms and Conditions when they first use an additional Card. If you or any Additional Cardholder: – materially fail to comply with these Terms and Conditions; – materially fail to comply with the conditions of use of your Card; – cause any material misrepresentation or are fraudulent in the use of your Card; or – use your Card in a manner materially inconsistent with these Terms and Conditions, Acting reasonably we may terminate your rights to participate in or access Bankwest Qantas Rewards, to earn or redeem Qantas Points or Bonus Qantas Points and we will provide reasonable notice where this is practicable. Your use and the operation of your Card are subject to separate conditions of use which were provided with your Card. If you would like an additional copy of these conditions of use please contact us on 13 17 19 or message us in the Bankwest App or visit our website.

Page 5 of 17 Bankwest Qantas Rewards 4. How do you earn Qantas Points? Subject to clause 6, you will earn Qantas Points which will automatically be credited to the Nominated Qantas Frequent Flyer Account once a month. Where your purchase is an Eligible Purchase, we will include any GST as part of the purchase price for the purpose of calculating your Qantas Points. You and the Additional Cardholder can earn Qantas Points for Eligible Purchases however these Qantas Points are solely for your benefit. Bonus Qantas Points may be earned as part of a special offer or promotion. 5. What restrictions apply to your Qantas Points? The following are not Eligible Purchases, and you will not earn Qantas Points or Bonus Qantas Points in respect of them: – cash advances; – Balance Transfers; – interest charges; – credit fees and charges; – bank fees and charges; – transactions we decide are disputed due to being fraudulent or which involve an abuse of your Card Account; – foreign exchange purchases; – travellers cheques; – all purchases for gaming or gambling transactions including gambling chip purchases and online gambling purchases; – BPAY payments; i.e bill payments and other payments made through the BPAY Electronic Payments Scheme; – Government charges (other than GST payable in connection with the purchase of goods and services on which you earn Qantas Points); – credit card protection insurance; – Business Related Expenses; and – any other transaction we reasonably determine from time to time should be excluded by us.

Page 6 of 17 Bankwest Qantas Rewards When you obtain a refund or reimbursement for charges previously incurred on your Card, for example when you return goods, we will reduce your Qantas Points on the refund transaction amount at the lower of any tiered rate that applies to your Card in Clause 1, which may differ from the Qantas Points earned on the initial transaction. Qantas Points and Bonus Qantas Points are not property and do not have any monetary value except in respect of the value reasonably assigned to them by us. Qantas Points and Bonus Qantas Points may not be converted or redeemed for cash, sold, transferred, assigned or otherwise dealt with except in accordance with these Terms and Conditions.

Page 7 of 17 Bankwest Qantas Rewards 6. Bankwest Qantas Rewards 6.1 Overview You will, subject to this clause 6, earn Qantas Points for Eligible Purchases. The rate of accrual of Qantas Points is set by Bankwest in its absolute discretion and is subject to change from time to time. Any such changes will be notified to you in accordance with clause 10 of these Terms and Conditions. Classic Platinum World Qantas Points earned per A$1 of eligible purchases 0.25 points up to $1,500 Each Month and 0.10 points thereafter 0.6 points up to $2,500 Each Month and 0.15 points thereafter 1.00 points up to $3,000 Each Month and 0.20 points thereafter Qantas Points Cap (max. amount of Qantas Points you can earn Each Month) unlimited unlimited unlimited Purchases that earn Qantas Points Qantas Points are earned on all purchases made using the Card Account except: – cash advances; – Balance Transfers; – interest charges; – credit fees and charges – bank fees and charges; – transactions we decide are disputed due to being fraudulent or which involve an abuse of your Card Account – foreign exchange purchases; – travellers cheques; – all purchases for gaming or gambling transactions including gambling chip purchases and online gambling purchases; – BPAY payments; i.e bill payments and other payments made through the BPAY Electronic Payments Scheme; – Government charges (other than GST payable in connection with the purchase of goods and services on which you earn Qantas Points); – Credit card protection insurance; – Business Related Expenses; and – any other transactions we reasonably determine from time to time should be excluded by us.

Page 8 of 17 Bankwest Qantas Rewards 6.2 Crediting of Qantas Points Subject to this clause, Qantas Points you earn will be credited once a month to the Nominated Qantas Frequent Flyer Account. They will normally be available for use within 21 days of being credited. However, we accept no responsibility for loss or damage if Qantas Points are not credited or available for use within this time other than to the extent that the loss or damage is due directly to our act or omission. Qantas Points will not be transferred until: – You have spent an initial $1,500 on Eligible Purchases using your Card; and – You have been an Account Holder for at least 60 days (unless you have converted an existing Bankwest credit card account to a Card Account in which case it must be at least 60 days since your existing credit account was opened). In addition, Qantas Points will not be transferred where: – Your Card has been reported lost or stolen; – You have not paid the minimum amount due on your Card statement by the due date; or – You are not over the age of 18. Once Qantas Points are credited to the Nominated Qantas Frequent Flyer Account they are governed by the terms and conditions of the Qantas Frequent Flyer Program. For queries or complaints regarding the use of your Qantas Points, please contact Qantas in accordance with the details set out in the terms and conditions of the Qantas Frequent Flyer Program. Qantas Points and the process for redeeming them through the Qantas Frequent Flyer Program are governed by the terms and conditions of the Qantas Frequent Flyer Program. For details visit qantas.com/terms . If you have a query about Qantas Points not being credited to the Nominated Qantas Frequent Flyer Account or not appearing on your Rewards statement please contact Bankwest on 13 17 19 or message us in the Bankwest App. We are not responsible for the Qantas Frequent Flyer Program in any way. If Qantas discontinues, or makes any changes to, the Qantas Frequent Flyer Program, we will not be responsible for the impact this may have on Qantas Points earned through Bankwest Qantas Rewards.

Page 9 of 17 Bankwest Qantas Rewards You are responsible to pay or reimburse us for any tax liability (including any GST that may be payable), stamp duty or other duty or government charges or airport charges incurred in connection with the receipt or use of Qantas Points. Qantas Points are not property and do not have any monetary value except in respect of the value assigned to them by us, acting reasonably. 6.3 Membership of Qantas Frequent Flyer Program To earn Qantas Points you must be a member of the Qantas Frequent Flyer Program and you must provide your Qantas Frequent Flyer membership number and any other membership information requested by us in order for the Nominated Qantas Frequent Flyer Account to be credited with Qantas Points earned through Bankwest Qantas Rewards. We will not credit you with Qantas Points earned before you advise us of your Qantas Frequent Flyer program membership number. Being a Bankwest Qantas Account Holder does not mean you automatically receive membership of the Qantas Frequent Flyer Program. Membership of the Qantas Frequent Flyer Program is available only to individuals. Membership and the earning and redemption of Qantas Points is subject to the terms and conditions of the Qantas Frequent Flyer Program. A joining fee may apply. Any air travel undertaken as a result of participation in the Qantas Frequent Flyer Program is subject to the terms and conditions of the Qantas Frequent Flyer Program and the Qantas Conditions of Carriage as amended from time to time. Bankwest will not be liable to you or any person in any manner for any claim arising in connection with any air travel undertaken by any Qantas Frequent Flyer Member or in connection with any other goods or services you redeem using Qantas Points or if, for any reason, your Qantas Points are unable to be used. 6.4 The Nominated Qantas Frequent Flyer Account The Nominated Qantas Frequent Flyer Account must be active in order for us to credit Qantas Points to the Nominated Qantas Frequent Flyer Account through Bankwest Qantas Rewards. Bankwest makes best endeavours to credit Qantas Points to a Qantas Frequent Flyer membership account in the name of an Account Holder.

Page 10 of 17 Bankwest Qantas Rewards If Qantas Points cannot be credited because the Qantas Frequent Flyer membership information you provided to us is not correct or is invalid, the automatic crediting of your Qantas Points will cease until you have provided us with valid Qantas Frequent Flyer membership information. We will accrue your Qantas Points up to 6 months until you provide us with your valid Qantas Frequent Flyer membership information after which, your Qantas Points will be cancelled. Qantas Points cannot be transferred to the Qantas Frequent Flyer Account of any other person. Bankwest will not be liable if points are credited to the Qantas Frequent Flyer Account of another person instead of the Account Holder, if the Account Holder provided the Qantas Frequent Flyer membership information of that other person to us, instead of their own membership information. 6.5 How do you keep track of your Qantas Points? A Rewards Statement showing the Qantas Points earned during your monthly account statement cycle will be provided. We may adjust your total Qantas Points (backdating the adjustment if necessary) if Qantas Points have been incorrectly credited or debited for any reason. 6.6 Customer Help If you have a query about: – these Terms and Conditions; – Qantas Points to be credited to your Qantas Frequent Flyer membership account either not showing up on your Rewards Statement or not being credited to the Nominated Qantas Frequent Flyer Account; – your Card Account; or – your Rewards Statement, Please call the Bankwest Contact Centre on 13 17 19 or message us in the Bankwest App. 7. When you will not earn Qantas Points and when we may cancel your Qantas Points You will not earn Qantas Points or Bonus Qantas Points in respect of an Eligible Purchase (and we may correct your Rewards Statement by deleting or reversing any Qantas Points invalidly awarded) if: – a monthly payment is more than 30 days overdue; – your Card has been reported lost or stolen and a lost or stolen status has been placed on your Card Account;

Page 11 of 17 Bankwest Qantas Rewards – you have reached your Qantas Points Cap; – we cancel your Card or terminate your Card Account – we reasonably decide that you or an Additional Cardholder are behaving fraudulently; or – a transaction relates to the conduct of a business, the Card is used to make business-related purchases (including any purchases of a personal business nature) or we reasonably believe the Card is used to purchase goods or services for Business Related Expenses. Bankwest reserves the rights to reverse or cancel any Qantas Points credited incorrectly, or not in accordance with, or in breach of, the Terms and Conditions at any time. We will not allocate Qantas Points or Bonus Qantas Points (and, acting reasonably may reverse an allocation of Qantas Points or Bonus Qantas Points) in respect of any Eligible Purchase which is the subject of cancellation, refund or return. The Rewards Statement may also be adjusted to correct billing errors or disputes. When you obtain a refund or reimbursement for charges previously incurred on your Card, we will reduce your Qantas Points on the refund transaction amount at the lower of any tiered rate that applies to your Card in Clause 1, which may differ from the Qantas Points earned on the initial transaction. Your Qantas Points (and Bonus Qantas Points) may be cancelled if: – you do not make a transaction or payment on the Card Account for a year; – we reasonably suspect that you or an Additional Cardholder are behaving fraudulently; or – the Account Holder dies. If your Card Account is closed or access to it is cancelled and you have not provided us with your Qantas Frequent Flyer membership number, then you have 30 days from the date of closure or cancellation of access within which to supply your Qantas Frequent Flyer membership number so that the Qantas Points earned can be credited to the Nominated Qantas Frequent Flyer Account. If you do not supply your membership number within this time frame, all Qantas Points earned will be cancelled immediately on expiration of the 30 day period without prior notification. If your Card Account is closed or access to it is cancelled before Bonus Qantas Points are credited to the Nominated Qantas Frequent Flyer Account, all Bonus Qantas Points will be cancelled immediately without prior notification.

Page 12 of 17 Bankwest Qantas Rewards You are not eligible for any Bonus Qantas Points on a new Card Account as part of an introductory special offer or promotion if you have held another Bankwest credit card participating in the Bankwest Qantas Rewards program in the previous 24 months or if you upgrade or vary another Bankwest credit card to a new Card participating in the Bankwest Qantas Rewards program, unless the special offer or promotion terms and conditions provide otherwise. 8. Disputed statements and general dispute resolution procedure 8.1 How will any errors, mistakes and disputes be handled? It is your responsibility to check the accuracy of information in your Rewards Statement and to notify us promptly in writing if you dispute any information in the Rewards Statement. If you have a dispute or complaint about Bankwest Qantas Rewards, please let us know in writing and include a readable copy of the relevant sales receipt, Card Account statement or other evidence to support your claim. We will notify you of the name and contact number of the officer investigating your dispute. We will contact you if we require further information, and you must supply this information within 10 business days. 8.1.1 If we are unable to resolve the matter immediately to both your and our satisfaction we will advise you in writing of our procedures for further investigation and handling of your complaint. 8.1.2 Within 21 days of receiving your complaint, we will advise you in writing of either: – the outcome of our investigation; or – the fact that we need more time to complete our investigation. We will complete our investigation within 45 days of receipt of your complaint unless there are exceptional circumstances. 8.1.3 If we are unable to resolve your complaint within 45 days we will write to you and let you know the reasons for the delay and provide you with monthly updates on the progress of our investigation and its likely resolution date, except where we are waiting for a response from you and you have been advised that we require such a response.

Page 13 of 17 Bankwest Qantas Rewards 8.2 Outcome On completion of our investigation, we will advise you in writing of the outcome of our investigation and the reasons for our decision. We will advise you in writing that, if you are not satisfied with our findings, you may request a review. 8.3 If you are not satisfied If you are not satisfied with our findings, you may request our Customer Relations Department to review the matter. Contact them by writing to: Manager Customer Care GPO Box E237, Perth WA 6841 or phone or fax to: Telephone: Freecall 1800 650 111 Fax: 1300 259 233. When we advise you of our decision we will also advise you of further action you may take in respect of your complaint if you are not satisfied with our decision. For instance, you may be able to refer the matter (free of charge) to: Australian Financial Complaints Authority (AFCA) GPO Box 3, Melbourne VIC 3001 or phone to: Telephone: 1800 931 678 Website: www.afca.org.au Email: info@afca.org.au The AFCA dispute resolution process is impartial, independent and free for our customers. You may also be able to refer your complaint to consumer affairs departments or small claims tribunals. 9. Termination Acting reasonably, we can cancel the Bankwest Qantas Rewards program after providing you with 30 days written notice. When the Bankwest Qantas Rewards program is terminated by us under this Clause 9, Qantas Points earned up until the cancellation of Bankwest Qantas Rewards will be credited to the Nominated Qantas Frequent Flyer Account. If you have not provided us with your Qantas Frequent Flyer membership number, you have 90 days from the date of the cancellation of Bankwest Qantas Rewards to provide us with this number. If you do not supply your membership number within this time frame, all Qantas Points earned will be cancelled immediately on expiration of the 90 day period without prior notification.

Page 14 of 17 Bankwest Qantas Rewards 10. Changes to these Terms and Conditions and Bankwest Qantas Rewards We can change any or all aspects of Bankwest Qantas Rewards as applicable (including these Terms and Conditions) at any time without your consent. We’ll act reasonably in exercising this right. Changes we may make include a change to: – the way you can earn Qantas Points or Bonus Qantas Points; – the way Qantas Points are credited to the Nominated Qantas Frequent Flyer Account; or – the number of Qantas Points you can earn for using your Card Account. We will provide at least 30 days prior notice of changes, unless: – a change is necessitated by an immediate need to restore or maintain the security of our systems or of individual accounts; or – a change is necessitated by changes in law, an official directive or the guidelines or requirements of a regulator; or – a change is necessitated by changes to the Qantas Frequent Flyer Program; – we reasonably consider the change to be non-material; or – the change is beneficial to you. You agree that we will notify you about any changes by: – electronic communication to your nominated address – publishing a notice on the Bankwest website located at bankwest.com.au – mail to your nominated address, or – statement message in your account statement. If you are not satisfied with any change or variation in Bankwest Qantas Rewards or these Terms and Conditions, or for any reason wish to withdraw from Bankwest Qantas Rewards program, you may close your Card Account. We may novate some or all of our rights and obligations under these Terms and Conditions to another person at any time. You agree that you consent to such novation when you (or an Additional Cardholder) first use your Card or Card Account after we notify you of the novation.

Page 15 of 17 Bankwest Qantas Rewards We have no liability to you for any disruption to Bankwest Qantas Rewards or any delay or inability to provide Qantas Points or Bonus Qantas Points caused by circumstances outside our control, such as strikes or industrial action, Acts of God, floods, weather, aircraft unserviceability or unavailability, or war or civil disturbance. 11. How do we communicate with each other? Notice of any change to these Terms and Conditions will be communicated to you by the website, the Rewards Statement or by written notice to the address you have given us for the purposes of your Account. You must tell us if you change your address so that correspondence is sent to the correct address. You should address all correspondence in relation to Bankwest Qantas Rewards to: Bankwest Qantas Rewards GPO Box 8411 Perth WA 6849 or to such other address as is advised to you from time to time. 12. Your responsibility to pay any costs It is your responsibility to determine the tax impact on you of receiving Qantas Points and Bonus Qantas Points. We do not accept any responsibility for any income tax liability you may incur under Bankwest Qantas Rewards. If we introduce a new fee, we will notify you in advance. 13. Limitation on liability If you are a consumer, as defined by the Competition and Consumer Act 2010 or the Australian Securities and Investments Commission Act 2001, you may be entitled to the benefit of consumer guarantees or implied conditions or warranties. You should not interpret anything in these Terms and Conditions as excluding, restricting or modifying any such conditions, warranties or consumer guarantees. Subject to these consumer guarantees and implied conditions and warranties, we: – make no express or implied warranty or representation in connection with the rewards (including with respect to type, quality, standard or fitness for any purpose);

Page 16 of 17 Bankwest Qantas Rewards – are not liable for any loss you suffer (including consequential loss) arising in connection with a reward (including failure to provide a reward, its loss, theft or destruction) other than to the extent that the loss is incurred due to the fraud, negligence, mistake or willful misconduct of us, our employees, agents or contractors. Except to the extent that we cannot under any applicable law limit our liability, our liability is limited to: – where the reward constitutes goods, the replacement of the goods or supply of equivalent goods, repair of the goods, payment of the cost of replacing the goods or acquiring equivalent goods, or payment of the cost of repairing the goods; or – where the reward constitutes a service, supplying the service again or payment of the cost of having the service supplied again. Our failure to enforce a term of these Terms and Conditions does not mean we waive that term. Nothing in these Terms and Conditions prevents you from being a member of any other reward program.

Page 17 of 17 Bankwest Qantas Rewards Qantas privacy collection notice The collection notice does not form part of the Qantas Rewards Terms and Conditions. You acknowledge that the Operator of the Bankwest Qantas Rewards Program, Qantas, and any of our agents, employees, contractors, consultants, affiliates and related bodies corporate to access, collect and use information about you in connection with Bankwest Qantas Rewards including: – personal details such as your name, address, date of birth, email address and occupation; – transaction or event information resulting in Qantas Points being credited or debited; – the number of Qantas Points credited or debited; – the number of Qantas Points you earn; – things you tell us about Bankwest Qantas Rewards; and – your Qantas Frequent Flyer membership number. Further, you acknowledge that Bankwest, the Operator of the Rewards Program and Qantas will exchange your personal information (including your name, address, email address, date of birth and Qantas Frequent Flyer membership details). You acknowledge that the exchange of this information is necessary and will be limited to that which is necessary to ensure that Qantas Points can be credited to the Nominated Qantas Frequent Flyer Account and that you can be provided with the benefits of the Qantas Frequent Flyer Program (subject to the terms and conditions of the Qantas Frequent Flyer Program). We will not use or disclose any of the information referred to above except in connection with: – administering Bankwest Qantas Rewards; or – providing services relating to Bankwest Qantas Rewards; or – planning and research of our services; or – promotion and marketing (whether targeted, direct or indirect) of our services and the goods or services of us or any other person. You acknowledge that we may disclose your information to any party to facilitate the above purposes.

Page 18 of 17 Bankwest Qantas Rewards

1 October 2026 bankwest.com.au Bankwest, a division of Commonwealth Bank of Australia ABN 48 123 123 124 AFSL / Australian Credit Licence 234945. BWA-8993 011026

Source: https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20220227-113508.pdf

BWE-1173 011026 Key facts about this Credit Card Bankwest, a division of Commonwealth Bank of Australia ABN 48 123 123 124 AFSL/Australian credit licence 234945 Correct as at: 01/10/2026 Important: This information sheet is an Australian Government requirement under the National Consumer Credit Protection Act 2009. Description of credit card Product Name Breeze Platinum Mastercard ® Zero Platinum Mastercard® Minimum credit limit $1,000 $1,000 Minimum Payment The sum of: a. any amount by which you have exceeded your credit card limit during the statement period to which your Statement relates (excluding any amount by which your credit limit was exceeded in any previous statement period, and remains unpaid); and b. the greater of 2.0% of the closing balance or $20.00, unless the closing balance is less than $20.00, in which case, will be the closing balance shown on your statement. (Credit Card Protection premiums raised on that statement are not included in the minimum monthly repayment). You must also pay: The amount (if any) of any minimum monthly payment which remains unpaid from a previous Statement immediately. Interest on purchases 1 12.99% p.a. 18.99% p.a. Interest-free period 2 Up to 55 days on purchases only Up to 55 days on purchases only Interest on cash advances 21.99% p.a. 21.99% p.a. Balance transfer interest rate 1 12.99% 18.99% Annual fee $59 $0 Late payment administration fee $25 $25 There may be circumstances in which you have to pay other fees. A full list of current fees applicable to this credit card can be obtained from https://www.bankwest.com.au/rates/credit-card-rates For more information on choosing and using credit cards visit the ASIC consumer website at https://www.moneysmart.gov.au/ Things you should know

Introductory or promotional offers and fees may apply; once the promotional period ends, the relevant ongoing rate will be charged.See https://www.bankwest.com.au for details
Interest free period are not applicable to Cash Advances or Balance Transfers. The terms on which this credit card is offered can change over time. You can check if changes have been made by visiting https://www.bankwest.com.au/credit-cards or calling 13 17 19.

BWE-1173 011026 Key facts about this Credit Card – continued Description of credit card Product Name More World Mastercard® Bankwest Qantas World Mastercard® Bankwest Qantas Platinum Mastercard® Minimum credit limit $6,000 $6,000 $1,000 Minimum Payment The sum of: a. any amount by which you have exceeded your credit card limit during the statement period to which your Statement relates (excluding any amount by which your credit limit was exceeded in any previous statement period, and remains unpaid); and b. the greater of 2.0% of the closing balance or $20.00, unless the closing balance is less than $20.00, in which case, will be the closing balance shown on your statement. (Credit Card Protection premiums raised on that statement are not included in the minimum monthly repayment). You must also pay: The amount (if any) of any minimum monthly payment which remains unpaid from a previous Statement immediately. Interest on purchases 1 14.99% p.a. 19.99% p.a. Interest-free period 2 Up to 44 days on purchases only Up to 44 days on purchases only Interest on cash advances 21.99% p.a. 21.99% p.a. Balance transfer interest rate 1 14.99% p.a. 19.99% p.a. Annual fee $270 $320 $199 Late payment administration fee $25 $25 There may be circumstances in which you have to pay other fees. A full list of current fees applicable to this credit card can be obtained from https://www.bankwest.com.au/rates/credit-card-rates For more information on choosing and using credit cards visit the ASIC consumer website at https://www.moneysmart.gov.au/ Things you should know

Introductory or promotional offers and fees may apply; once the promotional period ends, the relevant ongoing rate will be charged.See https://www.bankwest.com.au for details
Interest free period are not applicable to Cash Advances or Balance Transfers. The terms on which this credit card is offered can change over time. You can check if changes have been made by visiting https://www.bankwest.com.au/credit-cards or calling 13 17 19.

Source: https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20260611-134858.pdf

Non-acceptable visa As per the Credit Policy for Credit Cards. Information correct as at 03 July 2025 Temporary Visa Types Subclass Visa Name 417 Working Holiday visa 462 Work and Holiday visa 600 Visitor visa 601 Electronic Travel Authority 651 eVisitor 676 Tourist visa 771 Transit visa 010, 020, 030, 040, 041, 050-051 Bridging visa 407, 500 Student visa 485 Graduate visa 402 Research visa 590 Student Guardian visa 866 Protection visa 785 Temporary Protection visa 790 Safe Haven Enterprise visa Disclaimer: This document is not exhaustive and is subject to change. Additional visa types may be introduced by the Government from time to time, and there may be delays in reflecting such changes in this document. Bankwest, a division of Commonwealth Bank of Australia ABN 48 123 123 124 AFSL/Australian credit licence 234945. CS-3337_150626

Source: https://www.bankwest.com.au/credit-cards/no-annual-fee

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Zero Platinum Mastercard

No annual fee credit card

An award-winning card for everyday spending. No annual fee and no foreign transaction fees.††

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0% p.a. for 6 months on purchases and balance transfers

Limited time, new Bankwest Zero Mastercard customers only. 3% balance transfer fee, plus other fees and charges, T&Cs apply.*

Why you’ll love our Zero Credit Card

No annual fee

Keep costs down with no annual fee.

Spend overseas with confidence

Travel happily with no foreign transaction fees.††

Up to 55 days interest free

Pay no interest on your purchases for up to 55 days.#

Value that stands out

Awarded Canstar’s Outstanding Value Travel Credit Card 2025.

Simple, flexible and ready when you need it

Zero Mastercard comes with no annual fee and is designed for people who like to pay off their balance each month and avoid higher fees.

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Zero Platinum Mastercard

Zero Platinum Mastercard
Minimum credit limit$1,000
Annual fee$0
Foreign transaction fee0%††
Interest free periodUp to 55 days#
Introductory balance transfer rate0% p.a. for 6 months on balance transfers. Limited time, new Bankwest Zero Mastercard customers only. 3% balance transfer fee, plus other fees and charges, T&Cs apply.*
Ongoing balance transfer rate18.99% p.a.~~
Introductory purchase rate0% p.a. for 6 months on purchases. Limited time, new Bankwest Zero Mastercard customers only. Other fees and charges, T&Cs apply.*
Ongoing purchase rate18.99% p.a.^^

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Zero Platinum Mastercard

Zero Platinum Mastercard
Annual fee$0
Foreign transaction fee0%††
Balance transfer fee3%
Cash advance fee3% of transaction amount or $4 (whichever is greater)
Paper statement fee$1.25 per statement (avoid with eStatements)
Late payment admin fee$25 per statement period‡‡‡

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Zero Platinum Mastercard

Zero Platinum Mastercard
Introductory balance transfer rate0% p.a. for 6 months on balance transfers. Limited time, new Bankwest Zero Mastercard customers only. 3% balance transfer fee, plus other fees and charges, T&Cs apply.*
Ongoing balance transfer rate18.99% p.a.~~
Introductory purchase rate0% p.a. for 6 months on purchases. Limited time, new Bankwest Zero Mastercard customers only. Other fees and charges, T&Cs apply.*
Ongoing purchase rate18.99% p.a.^^
Cash advance rate21.99% p.a.†

Smarter tools, simpler banking

Download our award‑winning app and start spending instantly. No need for a physical card.

Download the app

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Spend safely with virtual cards

Make purchases without using your regular card details. Create digital cards for one-off or recurring online payments.***

Easy Instalments

Spread the cost of eligible purchases over four monthly instalments and pay 0% p.a.^^^

Learn more

A clearer view of where you spent and what’s upcoming

View what you’ve spent, see upcoming payments and easily track transactions, subscriptions and spending habits.

Fast-acting security

Lock or unlock your card, activate new cards and receive notifications to help keep track of card activity and unusual transactions.

Get started with our award-winning travel credit card

Apply now

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Get started

Check your eligibility

To apply, you must be 18 or older, an Australian citizen or resident, and not already hold a Bankwest Zero Mastercard.

Ready your documents

You’ll need photo ID, employment details, and information about your finances, including income, expenses, assets and debts.

Get started with our award-winning credit card

Apply now

Explore the rest of the line up

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Breeze Mastercard

Low rate credit card

Our lowest ongoing purchase rate
12.99% p.a. ongoing purchase rate
Up to 55 days interest free#

Learn more

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Bankwest Qantas Mastercard

Qantas Frequent Flyer credit card

Complimentary travel insurance**
19.99% p.a. ongoing purchase rate
Up to 44 days interest free#

Learn more

[Image: More World Mastercard]

More Mastercard

Rewards credit card

Complimentary overseas travel insurance** & 10 lounge passes per year##
14.99% p.a. ongoing purchase rate
Up to 44 days interest free#

Learn more

Common questions

How do I make my credit card repayments?

You can make your repayments in the app or online banking. Schedule a repeating payment for a set amount to make this automatic.

You can also call us on 13 17 19 and choose ‘self-service phone banking’ or visit a participating Bank@Post location to make a repayment.

Can I transfer my balance from another bank’s credit card?

Yes – this is known as a balance transfer. You can transfer any outstanding balance from another bank’s credit card to a Bankwest credit card.

Am I eligible for a Zero Mastercard?

You’ll be eligible to apply for a Zero Mastercard if you meet the below criteria:

You’re 18 years or over
You’re an Australian citizen, a permanent or temporary resident
You don’t already have a Zero Mastercard, as we only allow one per customer.

If you’re a temporary resident, make sure your visa type isn’t on our non-acceptable visa (PDF) list.

How do I apply for a Zero Mastercard?

Start your application online now. You’ll need:

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
Info about your income, expenses, assets, loans and other credit cards.

How do I add an additional card holder?

If you have a credit card and you want to add someone else as an additional cardholder, you and the person will both need to fill out and sign the Additional Cardholder(s) Request Form (PDF).

Once you’ve finished, you can send this form to us at:

Cards Services

Reply Paid 8411
Perth BC WA 6849

Things to consider

There is a limit of one Bankwest Breeze Mastercard, one Bankwest Zero Mastercard, one Bankwest Qantas Mastercard, and one Bankwest More Mastercard per customer.
Rates are subject to change. Other fees and charges may apply. A full list of fees will be outlined in your credit card contract. See the Credit Card Key Facts Sheet (PDF) and visit Terms and Conditions for more information.
Lending and eligibility criteria, fees and charges apply.
Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.
Canstar’s 2025 Outstanding Value awards recognise products offering outstanding value to consumers as part of Canstar’s Star Ratings & Awards. Find more about the awards and categories here.

†† Foreign transaction fees

# Interest free days

* Bankwest Zero Mastercard introductory offer

Introductory balance transfer rate offer and introductory purchase rate offer is only available to new Bankwest Zero Mastercard customers who apply from 1 August 2024 until the promotion ends, and are approved. Excludes product transfers from existing Bankwest credit cards.

Introductory balance transfer rate offer and introductory purchase rate offer:

A 3% balance transfer fee is payable on all transactions to which that balance transfer rate applies
Introductory balance transfer rate excludes cash advances (rate of 21.99% p.a. applies)
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 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.

^^ The ongoing purchase interest rate

The ongoing purchase interest rate is the rate that applies to purchases after any applicable introductory period finishes.

~~ The ongoing balance transfer rate

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

† Cash advance rate

Cash advance rate applies to online transfers and using your credit card to withdraw cash.

^^^ Easy Instalments

‡‡‡ Late payment admin fee

When the minimum payment is not processed by the due date. This includes any amount shown on your card account statement as 'amount due immediately'.

** Complimentary overseas travel insurance

## Complimentary lounge passes

*** Virtual cards

Important documents

Credit Cards Conditions of Use (PDF)

Credit Card Account Access Conditions of Use (PDF)

Credit Card Key Facts Sheet (PDF)

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Source: https://www.bankwest.com.au/rates/credit-card-rates

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Interest rates

Credit card interest rates and fees

Credit card rates

Rates are subject to change. Rates are intended for new Bankwest Breeze Mastercard, Bankwest Zero Mastercard, Bankwest Qantas Mastercard and Bankwest More Mastercard customers only. Fees and charges apply, including annual fees on eligible cards.

Terms and conditions apply to introductory purchase rate and/or balance transfer rate promotions, view product pages for more details.

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 Breeze Mastercard

Intro balance transfer rate for 24 months
0% p.a.
3% balance transfer fee applies.

Purchase rate
12.99% p.a.
This rate also applies to purchases and balance transfers after any introductory period.

Cash advance rate
21.99% p.a.

Bankwest Zero Mastercard

Intro purchase and balance transfer rate for 6 months
0% p.a.
3% balance transfer fee applies.

Purchase rate
18.99% p.a.
This rate also applies to purchases and balance transfers after any introductory period.

Cash advance rate
21.99% p.a.

Bankwest Qantas Mastercard

Intro balance transfer rate for 9 months
2.99% p.a.

Purchase rate
19.99% p.a.
This rate also applies to purchases and balance transfers after any introductory period.

Cash advance rate
21.99% p.a.

Bankwest More Mastercard

Intro balance transfer rate for 6 months
0% p.a.
1% balance transfer fee applies.

Purchase rate
14.99% p.a.
This rate also applies to purchases and balance transfers after any introductory period.

Cash advance rate
21.99% p.a.

Credit card fees

Ongoing annual fees

The credit card annual fees listed in the table are for new credit card customers and may not reflect the annual fees for existing or previous customers with the same product type.

Bankwest Breeze Mastercard
$59 Platinum

Bankwest Zero Mastercard
$0 Platinum

Bankwest Qantas Mastercard
$199 Platinum
$320 World

Bankwest More Mastercard
$270 World

Other credit card fees and charges

Foreign Transaction Fee

2.95% of transaction amount.

Cash Advance Fee

3% of transaction amount or $4 (whichever is greater).

Payable for transactions that the annual cash advance percentage rate applies to.

Paper Statement Fee

$1.25 per statement.

Payable for each paper Card Account Statement sent to you (from 28 November 2016 onwards).

Over the Limit Fee

$10

Payable for each statement period that you exceed your credit limit.

Late Payment Administration Fee

$25

Payable for each statement period that the minimum payment is not processed to your card account by the due date. This includes any amount shown on your card account statement as ‘amount due immediately’.

Balance Transfer Fee

Up to 3% of balance transfer amount.

Payable for each transaction that the introductory balance transfer percentage rate applies to.

Credit Card Replacement Fee

$25

Payable on reissue of lost credit card over the entitled two free reissues per year (not applicable to stolen credit cards when a police report is filed).

Customer Trace Fee

$10

Payable each time we have to locate you during the period that you’re in default under the card contract.

Things you should know

Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.

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Terms and conditions

Easy Instalments Terms and Conditions

1. About these Terms and Conditions

These Easy Instalments Terms and Conditions apply to each Easy Instalments plan you activate on your Card Account.

These Easy Instalments Terms and Conditions should be read together with:

the Credit Cards Conditions of Use – Privacy Statement and Consent to Use your Information (“Credit Card Conditions of Use”);
the Credit Card Schedule; and
the Credit Card Account Access Conditions of Use.

2. Definitions

Capitalised words used in these Easy Instalments Terms and Conditions have the same meaning as in the Credit Card Conditions of Use unless defined below.

Easy Instalments also referred to as Easy Instalments plan or Easy Instalments Balance plan means an arrangement whereby the Estimated Total Easy Instalments Repayment Amount is paid off in a specified number of Monthly Instalments for the Easy Instalment Term.

Easy Instalments Term means the period during which the Easy Instalments applies.

Easy Instalments Annual Percentage Rate means the fixed rate that applies to your Easy Instalments plan which, on a daily basis, is the rate divided by 365 (or 366 in a leap year).

Eligible Amount means each individual purchase and each other balance on your Card Account that we make eligible and you decide to be part of Easy Instalments.

Estimated Total Easy Instalments Repayment Amount will consist of the Eligible Amount and the estimated interest (charged at the Easy Instalments Annual Percentage Rate) that will apply to your Easy Instalments plan which will be set out in your application and confirmed in writing.

Monthly Instalment means the monthly payments required over the Easy Instalments Term to pay the Estimated Total Easy Instalments Repayment Amount as shown on your Card Account statement.

3. What is an Easy Instalments plan?

From time to time you may request and we may agree in our discretion to set up an Easy Instalments plan on your Card Account for an Eligible Amount. If a purchase or balance is an Eligible Amount it will be displayed in the Bankwest App or by such other means that we make available.

The Easy Instalments plan forms part of the credit provided to you on your Card Account and will reduce the amount of available credit.

There is a limit of 5 Easy Instalments plans for each Card Account.

4. How is interest calculated?

Once the Easy Instalments plan has been activated we will provide you with the following details:

(a) the amount of the selected Eligible Amount which will form the Easy Instalments plan;

(b) the Estimated Total Easy Instalments Repayment Amount

(d) the Easy Instalments Annual Percentage Rate

(e) the Monthly Instalment amount; and

(f) any fees or charges that apply under the Easy Instalments plan.

These details will be set out as part of your Easy Instalments application and confirmed in writing within 2 business days.

The Easy Instalments Annual Percentage Rate will apply to the Eligible Amount from the date of your next statement.

Subject to the interest free period set out in your Schedule for Annual Purchase Percentage Rate items, at the end of the Easy Instalments Term, any outstanding Easy Instalments balance will be charged interest at the Annual Purchase Percentage Rate until the balance is paid in full in accordance with clause 24 of the Credit Cards Conditions of Use. The assigned date for calculating the Annual Purchase Percentage Rate on any outstanding Easy Instalments balance will be the next day after the Easy Instalments plan ends.

If you have an Easy Instalments plan, this will not affect interest charges which may accrue on other amounts debited to your Card Account in accordance with clause 24 of the Conditions of Use.

5. Repayments and missed payments

The Monthly Instalment due will be shown on your Card Account Statement. The Monthly Instalment amount is different to the minimum monthly payment required. If you only pay the minimum monthly payment, you may not be paying the full amount of the Monthly Instalment. See Section 6 below for how we apply payments.

Plans created before 25 March 2025

If you miss a Monthly Instalment or do not pay the full amount of the Monthly Instalment by the due date, the outstanding balance of the Eligible Amount will accrue interest at the Easy Instalments Annual Percentage Rate for the Easy Instalments Term. This may mean that your Easy Instalments plan will not be paid in full at the end of the Easy Instalments Term.

Plans created on or after 25 March 2025

If you miss a Monthly Instalment or do not pay the full amount of the Monthly Instalment by the due date, the unpaid amount will be transferred to your purchase balance when your next statement issues. Subject to the interest free period set out in your Schedule for Annual Purchase Percentage Rate items, the unpaid amount will be charged interest at the Annual Purchase Percentage Rate from the date of transfer.

6. Application of Payments

When you apply for an Easy Instalments plan, we will apply payments in the following order for the duration of the Easy Instalments plan:

(a) First, to your Easy Instalments plan up to the amount of the Monthly Instalment, and if the plan was created before 25 March 2025, this includes any outstanding Monthly Instalment amount. If you have more than one Easy Instalments plan for your Card Account:

(i) payments will be applied first to the Easy Instalments plan that has the highest Easy Instalments Annual Percentage Rate as at the statement date and then in descending order down to the Easy Instalments plan which has the lowest Easy Instalments Annual Percentage Rate; and

(ii) if Easy Instalments plans have the same Easy Instalments Annual Percentage Rate payments will be applied to the Easy Instalments plan that was opened first and then in descending order down to the Easy Instalments plan that was opened last.

(b) Second, to the remainder of your Card Account balance in accordance with the clause headed “How do we apply payments from you” in the Credit Card Conditions of Use.

(c) Finally, any further excess payments will be applied to your remaining Easy Instalments plan balance. If you have more than one Easy Instalments plan open, payments will be applied in the same order as set out in (a) above.

We will first apply any payment to the Monthly Instalment (and if the plan was created before 25 March 2025, this includes any outstanding Monthly Instalment amount). This means that any other balances that attract a higher interest rate may be repaid later which may result in you paying higher interest charges.

You have a right to withdraw a request that payments be applied in this way at any time, which will mean that the Easy Instalments plan will end in accordance with clause 8.

7. Interest free period on other purchases

Your Easy Instalments plan will not affect the interest free period which may apply on other Annual Purchase Percentage Rate items, provided you pay the Monthly Instalment plus any outstanding Monthly Instalment amount and Card Account balance not covered by the Easy Instalments plan or promotional or introductory Balance Transfer in full by the due date. Please refer to clause 24 of the Credit Card Conditions of Use for further details on qualifying for interest free periods.

8. Ending the Easy Instalments plan

The Easy Instalments plan will end on the earlier of the following:

(a) the date you repay the Eligible Amount (including any interest charged at the Easy Instalments Annual Percentage Rate up to and including that day); or

(b) at the end of the Easy Instalments Term.

You may cancel the Easy Instalments plan at any time by messaging us in the Bankwest App or calling us on 13 17 19. Cancellation may take up to 3 business days. We may cancel your Easy Instalments plan if you do not pay the minimum monthly payment amount owing under your Card Account.

If your Easy Instalments Plan is cancelled, any remaining outstanding Easy Instalments balance will accrue interest at your Annual Purchase Percentage Rate in accordance with Section 4 of these Terms and Conditions.

The Easy Instalments plan will not be automatically cancelled if the selected transaction is reversed or charged back at a later date. We will apply any credits or payments in accordance with clause 6 of these Terms and Conditions.

9. Changes to the Easy Instalments Terms and Conditions

We may change these Easy Instalments Terms and Conditions in the same manner as we can change the rest of your Card Contract as set out under the heading “Changes to your Card Contract” of the Credit Card Conditions of Use.

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Complimentary Overseas Travel Insurance

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Complimentary Overseas Travel Insurance

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Contents

Eligibility for this protection
Summary of your protection
- What's covered?
- What’s not covered?
- Upgrades
- Table of benefits
- How claims work
- Cancellation and refunds of your protection
Product Disclosure Statement (PDS)
- About your cover
- Pregnancy
- Emergency medical expenses and assistance
- Pre-existing medical conditions
- Exclusions relating to the health of others
- Personal liability
- Baggage and personal goods
- Baggage delay expenses
- Trip cancellation
- Upgrades
- General conditions
- General exclusions
- Free extension of your cover
- Misrepresentation, non-disclosure or fraudulent claims
- Making a claim
- Cancellation and refunds of your protection
- Definitions
Important information
- Policy issuer
- About the Group Policy
- Target Market Determination
- Dual cover
- Trip duration limits
- Claims currency
- Sanctions
- Governing law and jurisdiction
- Third-party rights
- Data protection
- Complaints
- How to contact us
Financial Services Guide
- What financial services are provided?
- Cost of the Complimentary Overseas Travel Insurance Policy
- Remuneration
- Limits of cover
- Cancellation
- Compliance statement
- Complaints resolution
- Who is responsible for this document?

You must be an Australian resident and hold an eligible Bankwest Platinum Mastercard or Bankwest World Mastercard to access this protection. Some words within this document have a special meaning, see the ‘Definitions’ section for more information.

Eligibility for this protection

If you hold an eligible Bankwest credit card, you’re eligible for this protection when you travel overseas. At the time of your loss your Bankwest Platinum Mastercard or Bankwest World Mastercard must be activated and not cancelled or suspended.

If you meet all of the above criteria, then your family is automatically eligible for this protection as long as each of them travels with you on the same itinerary for the entire trip.

If you’re 80 years old or older at the start of your trip you are not eligible for medical cover or claims related to your health under the ‘Emergency medical expenses and assistance’ section, ‘Trip cancellation’ section or ‘Additional expenses’ section of this protection.

Summary of your protection

Complimentary Overseas Travel Insurance covers you if you become ill or suffer an injury while travelling overseas. It also protects you for events such as delayed or missed departures, and accidentally damaged or stolen baggage.

If you're a Bankwest World Mastercard holder or a Bankwest Platinum Mastercard holder who’s bought the Comprehensive coverage Upgrade, you’re also protected for cancelling or cutting short your trip.

Your trip cancellation protection begins as soon as you book your trip with an eligible card. All other benefits start on your trip departure date and end when you return to Australia.

Unless you’ve bought the Extended coverage Upgrade, the maximum trip duration for your protection depends on your card type:

31 consecutive days for Bankwest Platinum Mastercard cardholders, or
six consecutive months for Bankwest World Mastercard cardholders.

If you’ve bought the Extended coverage Upgrade, see the ‘Extended coverage Upgrade’ section for more details. Your certificate will confirm the maximum duration that applies to your card.

Some pre-existing medical conditions are automatically included, but others must meet our criteria. Visit the ‘Pre-existing medical conditions’ section of the Product Disclosure Statement (PDS) for more information.

The following is a high-level summary of your protection.

What's covered?

This is a summary. Review your Product Disclosure Statement (PDS) below for full terms and conditions.

"Medical Protection" may cover you if…

You need urgent or unplanned treatment for an illness or injury while travelling overseas.
You need emergency dental treatment for sudden and acute pain.
You need to be medically evacuated or flown home.

"Baggage Protection" may cover you if…

Your personal baggage or business items are stolen, damaged or destroyed while you're travelling.
Your checked baggage is delayed by more than 12 hours and you need to buy essential items.

"Trip Cancellation Protection" may cover you if…

This only applies to Bankwest World Mastercard holders or Bankwest Platinum Mastercard holders that have bought the Comprehensive coverage Upgrade.

You have to cancel, interrupt or cut short your trip because:

You or a close relative becomes sick, injured or dies. This includes pre-existing medical conditions (where automatically accepted or Upgraded).
Your home is seriously damaged by fire, burglary, storm or flood within seven days of departure.
You're summoned for jury service, armed forces recall or emergency services recall.
Your departure flight is cancelled or delayed by more than 12 hours due to strike, adverse weather or mechanical breakdown.
You have to cancel your trip due to a natural catastrophe.

What’s not covered?

This is a summary. Review your Product Disclosure Statement (PDS) below for full terms and conditions.

If the event that causes your claim happens before you booked your trip.
If you're travelling against the advice of a medical practitioner or government authority.
If you don't provide documents requested by XCover during the claims process.
For any pre-existing medical condition that isn’t automatically accepted or covered under an Upgrade.

Upgrades

Upgrades only apply if you have purchased them alongside your Complimentary Overseas Travel Insurance. You can’t apply for Upgrades once your trip has started.

Optional Upgrades are available for pre-existing medical conditions, extended coverage and Comprehensive coverage.

The Comprehensive coverage Upgrade includes additional expenses, resumption of trip, accidental death, travel delay, rental vehicle insurance excess, hijack and kidnap, special events, domestic pets boarding, travel services provider insolvency, loss of income, and travel documents, transaction cards, travellers cheques and cash. If you're a Bankwest Platinum Mastercard holder, the Comprehensive coverage Upgrade also includes trip cancellation and additional expenses.

For Bankwest World Mastercard holders trip cancellation and additional expenses are already included in your Complimentary Overseas Travel Insurance.

You can purchase these optional Upgrades to enhance your Complimentary Overseas Travel Insurance. A premium applies for each upgrade.

Visit the ‘Upgrades’ section of the Product Disclosure Statement (PDS) for more information.

Table of benefits

Your protection includes the following benefits and limits…

Bankwest World Mastercard

Benefit	Limit	Excess
Overseas emergency medical assistance	Unlimited	$0
Overseas emergency medical and hospital expenses	Unlimited	$250
Hospital incidentals	$100 per 24 hours (up to $15,000)	$0
Assault requiring hospitalisation	$500	$0
Emergency dental expenses	$2,000	$0
Overseas funeral or cremation, or body repatriation	$15,000 for cardholder and $30,000 for cardholder + family	$0
Personal liability	$2,500,000	$0
Cancellation costs	$15,000 for cardholder and $20,000 for cardholder + family	$250
Baggage and personal goods	$20,000 for cardholder and $30,000 for cardholder + family	$250
Baggage delay expenses	$600 for cardholder and $1,200 for cardholder + family	$0
Additional expenses	Unlimited	$250

Bankwest Platinum Mastercard

Benefit	Limit	Excess
Overseas emergency medical assistance	Unlimited	$0
Overseas emergency medical and hospital expenses	Unlimited	$250
Hospital incidentals	$100 per 24 hours (up to $15,000)	$0
Assault requiring hospitalisation	$500	$0
Emergency dental expenses	$2,000	$0
Overseas funeral or cremation, or body repatriation	$15,000 for cardholder and $30,000 for cardholder + family	$0
Personal liability	$2,500,000	$0
Baggage and personal goods	$20,000 for cardholder and $30,000 for cardholder + family	$250
Baggage delay expenses	$600 for cardholder and $1,200 for cardholder + family	$0

How claims work

Medical emergencies

Please contact us as soon as possible if you're admitted to hospital or as soon as you know you require emergency medical assistance. We may be able to cover your expenses directly with the hospital.

XCover Assist is here to help 24/7 if you're suffering from an acute illness or injury and need urgent medical attention. A contact number will show after you book your trip.

For everything else

To start your claim:

Log in to the Bankwest App.
Select “Start a new claim”.
Upload your documents.

You can also call us on +61 390880389 for help with your claim or for general enquiries, Monday to Friday 8am–5pm AEST. Costs may apply. Please make sure you always have your policy number (ending in -INS) at hand, which can be found through your Overseas Travel Insurance Hub or any emails you've received from us.

For all claims we require, as a minimum, a detailed description of the event. We may request documents during the claim process such as booking invoices, receipts and proof of identification. If required documents are not provided to us the claim may be rejected or the status changed to “Pending”.

For a step-by-step guide, visit our Help Centre.

Cancellation and refunds of your protection

Cancellation by you

You can only cancel Upgrades to your protection.

If you cancel your Upgrades within 21 days of purchase, you’ll be given a full refund of the premium you paid, if you haven’t started your trip or you haven’t made a claim.

After 21 days you can still cancel your protection. We will refund you a proportion of the premium for the unexpired period of protection (less any non-refundable government charges and taxes that we have paid and that aren’t recoverable).

You’re not entitled to a refund if you have started your trip, you want to make a claim, or exercise any other right under your protection.

To cancel your protection, please navigate to your Insurance Hub, select your trip and cancel. If you cancel within the cooling-off period, you will be prompted for your payment details to receive a refund.

Cancellation by us

For reasons such as misrepresentation, non-disclosure, technical errors or sanctions, we may occasionally cancel a Complimentary Overseas Travel Insurance Policy. You'll receive written notification and a refund where applicable.

Product Disclosure Statement (PDS)

About your cover

Bankwest provides travel insurance as a benefit for holders of eligible cards. Bankwest is not the issuer of insurance products. Bankwest is insured under a Group Policy naming eligible cardholders as the beneficiaries. Information about eligibility requirements, and terms of cover under the Group Policy, are set out in this document.

Your certificate or table of benefits will show coverage, limits and excess.

Pregnancy

This applies to all sections of this protection.

Costs for normal pregnancy aren’t covered.

Complications of pregnancy or childbirth are covered if:

You aren’t more than 24 weeks pregnant at the start of your trip.
A medical practitioner or midwife has confirmed you’re fit to travel.

Emergency medical expenses and assistance

Contact XCover Assist as soon as possible if you're admitted to hospital, or before you agree to pay any treatment or evacuation costs. If you can’t because you’re in a genuine emergency, we will cover reasonable costs. Otherwise, we will reimburse only what we would have approved had you contacted us first.

We will pay for the following costs and expenses during your trip overseas if you become ill or suffer an injury and it becomes necessary for you to receive treatment from a medical practitioner, as an inpatient or outpatient. This includes dental injuries.

Protection under this benefit applies for a maximum of 12 months from the date your illness or injury first occurred during your trip.

Medical evacuation and emergency flights

The XCover Assist Team will choose care options such as evacuation and emergency flights for you and/or a carer or companion.

Additional accommodation and transport costs

We will pay accommodation and return transport costs for you and one other person for up to 14 days. That person can travel from your home country to be with you.

We will also reimburse your taxi fares to your medical facility.

Dental treatment

We will cover emergency dental treatment if you need immediate pain intervention. We will pay up to $2,500 per person for emergency dental treatment that a treating dentist confirms in writing is for the relief of sudden and acute pain.

This limit doesn’t apply to dental costs for dental injuries. These are covered under the ‘Overseas Emergency Medical and Hospital Expenses’ benefit.

Hospital incidentals

We will reimburse costs like TV rental, newspapers and hospital phone calls if you’re in hospital for more than 24 continuous hours on your trip and your claim is approved.

Funeral costs and repatriation

Overseas funeral costs and repatriation are covered if you die for a reason covered by this protection, while on a trip overseas. We will make the necessary arrangements. We will pay the reasonable costs of a funeral service and burial or cremation overseas, and the cost of bringing your remains to Australia.

Assault requiring hospitalisation

We will compensate you if you suffer an injury while being assaulted and require hospitalisation because of the injury during the protection period, provided the claim is supported by a medical certificate given by a qualified medical practitioner and you provide us with a police report of the assault.

Pre-existing medical conditions

We automatically cover the pre-existing medical conditions below, if you haven't been admitted to hospital, had day surgery, or attended an emergency department for that condition in the 12 months before you booked your trip.

If your pre-existing medical condition isn’t automatically covered and you want cover, you’ll need to apply for a Pre-existing medical conditions Upgrade. A premium applies.

Automatically covered pre-existing conditions (no criteria)

The following pre-existing conditions are automatically covered with no additional criteria:

Acne
ADHD (Attention Deficit Hyperactivity Disorder)
Bunions
Carpal Tunnel Syndrome
Cataracts
Cleft Palate
Cochlear Implant
Coeliac Disease
Congenital Adrenal Hyperplasia
Congenital Blindness
Congenital Deafness
Conjunctivitis
Dengue Fever
Dry Eye Syndrome
Dupuytren's Contracture
Eczema
Gastric Reflux (GORD)
Glaucoma
Gout
Hay Fever
Hormone Replacement Therapy
Hypothyroidism (incl. Hashimoto's Disease)
Lipoma
Macular Degeneration
Meniere's Disease
Rhinitis
Rosacea
Sinusitis
Tinnitus

Automatically covered pre-existing conditions (with criteria)

The following pre-existing conditions are automatically covered provided the criteria shown are met:

Medical Condition

Criteria

Anxiety

Not diagnosed with Depression in the last 3 years; prescribed medication unchanged in the last 12 months; not currently waiting to see a mental health clinician; not previously required to cancel or curtail travel plans due to Anxiety.

Asthma

Under 60 years of age; no other lung condition or disease (incl. COPD, Emphysema, Pulmonary Fibrosis); non-smoker for at least 18 months; no prescribed oxygen outside hospital.

Diabetes (type 1 or type 2) / glucose intolerance

First diagnosed more than 6 months ago; no complications in the last 12 months; no kidney, eye or neuropathy complications; no cardiovascular disease.

Depression

Not admitted to hospital for this condition in the last 2 years; prescribed medication unchanged in the last 12 months; not currently waiting to see a mental health clinician; not previously required to cancel or curtail travel plans due to Depression.

Ear Grommets

No current infection.

Hiatus Hernia

No surgery planned.

Hypercholesterolaemia (High Cholesterol)

No cardiovascular disease and/or no diabetes.

Hyperlipidaemia (High Blood Lipids)

No cardiovascular disease and/or no diabetes.

Hypertension (High Blood Pressure)

No cardiovascular disease and/or no diabetes.

Single Pregnancy

Single, uncomplicated pregnancy — cover up to 24 weeks. Conception not medically assisted (e.g. no IVF or hormone therapies).

*Hypercholesterolaemia, Hyperlipidaemia and Hypertension are risk factors for cardiovascular disease. If you’ve a history of cardiovascular disease and it’s a pre-existing medical condition, protection for these conditions is also excluded.

Exclusions relating to the health of others

Any travel companion not named on your certificate may have a pre-existing medical condition. If their health deteriorates greatly, you may want to cancel or cut short your trip. You're protected if their medical practitioner confirms in writing that, when you registered your cover or booked your trip (whichever is later), there was no reason to expect their health would deteriorate in this way. All other terms and conditions of this protection apply to these claims.

You're not covered...

For any exclusions listed in the ‘General exclusions’ section of this protection.
For any costs incurred before your trip.
For pre-existing conditions that are not automatically covered or accepted by us.
For any costs if you're travelling against medical advice. This includes advice from your medical practitioner, our medical practitioner, or any government authority.
For any costs which aren't medically necessary.
For incorrect use of medications.
If it was foreseeable that a claim would occur.
For medical or dental treatment or ambulance transport in Australia unless you're on a domestic cruise that isn’t on an Australian inland waterway or tied up in an Australian port. If you’re travelling on a domestic cruise, this exclusion doesn’t apply to medical treatment provided while on a ship (including cruise ship, passenger ship or passenger ferry) even if that ship is within Australian territorial waters.
For expenses incurred after 2 weeks' treatment by a dentist, chiropractor or physiotherapist, unless approved by us.
For dental costs involving precious metals, teeth whitening or cosmetic dentistry or preventative or routine dental treatment.
For damage to dentures, dental prostheses, bridges or crowns.
For continuation or follow-up treatment you were receiving before the start of the trip. This includes medication and ongoing immunisations.
For claims where you’ve received medical care under a Reciprocal Healthcare Agreement.
For any claim resulting from using a vehicle where you or the driver didn't have an appropriate licence, weren't permitted to drive, or violated local road laws.
For professional sports and extreme or high-impact sports.
For any non-emergency treatment or surgery not directly related to the illness or injury which caused your hospitalisation. This includes exploratory tests.
For any claim from any medical procedures relating to the insertion of a pacemaker, AICD or ICD device while travelling overseas.
For claims related to, or are made worse by, any physiological or psychological signs or symptoms that you were aware of or reasonably should have been aware (meaning a person in your circumstances would have been aware of) before you registered, if you:
hadn’t yet sought a medical opinion about the cause,
were currently under investigation to receive a diagnosis, or
were awaiting specialist opinion.
For claims from elective medical or dental treatment. This includes cosmetic procedures, tattoos and piercings.
For any disease transmitted through giving or taking drugs, unless the drug was given under the supervision of a medical practitioner and the illness isn’t otherwise excluded under this protection.
For any medical, hospital or evacuation costs after you decline to follow medical advice we’ve arranged or obtained on your behalf. If we advise you to return to Australia for treatment and you choose not to, we will limit protection to the costs incurred up to the date of that advice, plus the reasonable cost of returning you to Australia. You'll be responsible for any further costs after that point.
For private hospital or medical treatment costs where publicly funded services or care are available if our emergency assistance team advised you to use those services and you chose not to.
If you’re 80 years old or older at the start of your trip.

Personal liability

You must tell us as soon as you or your representatives are aware of any possible prosecution, inquest or accident that might lead to a claim against you. You mustn’t make any payment, admit liability or offer or promise to make any payment without our written consent.

We will pay for or reimburse legal costs and expenses awarded against you for injury or death of a person or damage to their property while on a trip.

You're protected if...

You’re involved in an accident and you become legally responsible to pay compensation for the accidental injury or death of another person. This doesn’t include employees, family members, or travel companions.
You’re held legally responsible for damage to someone else’s property. This doesn’t include property owned by your employer, employees, family members, other ticket holders or travel companions.

Cover is for compensation awarded against you. This includes legal costs. You’re also covered for reasonable legal costs incurred for settling or defending a claim against you (with our prior written approval).

You're not covered...

For compensation or legal costs from:

Any exclusions listed in the ‘General exclusions’ section of this protection.
Any liability you took on voluntarily under an agreement, unless you would have been liable anyway without the agreement.
Any personal business, trade, profession or occupation, the supply of goods or services or the ownership or occupation of land, buildings, or immobile property.
Any ownership, possession or use of vehicles, aircraft, drones, firearms, weapons or waterborne craft.
Transmission of any illness, disease or virus.
Fines, penalties, exemplary or aggravated damages.
Assault or battery committed by you or at your direction.
Liability arising from an act of terrorism.
Illegal use or supply of chemical or biological weapons.

Baggage and personal goods

Your baggage and personal items are protected if they're stolen, damaged or destroyed while you’re on a trip.

Personal electronics

We will cover your personal electronics if they're stolen, damaged or destroyed while you’re on a trip. This includes mobile phones, tablets, cameras and laptops. Claims will be paid based on the replacement or repair cost, or the original purchase price, whichever is lower.

Personal baggage

We will reimburse you up to the limits shown on your certificate or in your table of benefits if your personal baggage is accidentally damaged, destroyed or stolen during your trip. This includes jewellery and other valuables.

Business items

We will repair, replace, or pay the monetary value of your business items if they’re lost, stolen or damaged during the protection period.

Prescription medication

We will pay up to $500 for overseas expenses to replace your prescription medication if it is lost, stolen or damaged during your protection period.

Recovered items

If we've approved your claim for lost or stolen items but they're found and can be returned to you by post, we will pay up to $500 in postage costs to get them back to you instead.

NOTE: For any claim relating to a mobile/smart phone, you must provide confirmation in writing from your service provider of the time and date you contacted them to discontinue the service.

You (or any other travelling family members) aren’t covered...

For any exclusions listed in the ‘General exclusions’ section of this protection.
For any excess noted on your table of benefits or your certificate.
For any claims relating to lost, stolen or destroyed cash.
If you lose, misplace or forget your items.
For items left behind in any accommodation after you’ve checked out, or left behind in any aircraft, ship, train, tram, taxi or bus.
For items left unattended in a public place.
For items left unattended in any motor vehicle overnight.
For items left unattended in any motor vehicle during daylight hours, unless stored in a concealed storage compartment of a locked vehicle and forced entry was gained. The most we will pay in total is $2,500.
If you can't provide a police report dated within 7 days of the incident for theft or loss.
For valuables placed in your checked baggage or in the care of a public transport carrier unless security regulations require it.
For a mobile phone or device if you're unable to supply the IMEI.
For snow sport equipment.
For an electrical or mechanical fault or breakdown.
For damage caused by adverse weather conditions, wear and tear, or vermin.
For items that are commercial samples, works of art, antiques or taken overseas to sell.
For loss, damage or expense caused by confiscation, detention, destruction or seizure by customs, government, police or other lawful authorities.
For fragile or brittle items unless the loss or damage was caused by thieves, burglars, fire or collision of transport.
For sporting equipment (including bicycles) damaged, lost or stolen while in use. Watercraft is excluded with the exception of surfboards.
For personal documents like your passport, visa, travellers cheques, transaction cards and money orders.

Baggage delay expenses

You're protected if...

Any of your baggage or personal items are delayed, misdirected or misplaced by your carrier during your trip for more than 12 hours. We will reimburse you for underwear, socks, toiletries, non-prescription medication and a change of shoes and clothing you bought after the 12-hour delay and before your items were returned to you.

You must produce original receipts and confirmation of the delay from the carrier.

You're not covered...

For any exclusions listed in the ‘General exclusions’ section of this protection.
For expenses if you're entitled to compensation from the carrier. However, if you're not reimbursed the full amount, we will pay the difference up to the limit.
For a delay that isn’t reported to the responsible carrier in writing at the time of making the report.
For expenses on the leg of the trip when you're returning home.

Trip cancellation

This section only applies if you are a Bankwest World Mastercard holder or you’ve upgraded your Bankwest Platinum policy to include the Comprehensive cover upgrade.

We will reimburse you for unused travel charges, accommodation costs and other pre-paid travel costs related to your trip.

You're protected if...

You or a travelling family member have to cancel or cut your trip short due to any of the following:

Illness, injury or death of you or a travelling family member. This includes all automatically accepted pre-existing medical conditions or those covered under an Upgrade.
A close relative or anyone you’ve arranged to stay with during your trip is seriously injured, becomes ill or dies unexpectedly.
Your home or a travelling family member's home is seriously damaged by fire, burglary, storm or flood within seven days of you leaving for your trip. This includes if the police require your presence.
You're summoned for jury service, armed forces recall or emergency services recall.
You abandon your trip because your departure flight is cancelled or delayed by more than 12 hours due to strike, adverse weather, or mechanical breakdown.
You have to cancel or abandon your trip due to a natural catastrophe.
You or a travelling family member are made redundant after at least 2 continuous years with the same Australian employer. The redundancy must be involuntary and you must not have had any reason to expect it before you registered your cover.

If you cut your trip short, we will pay for each unused day you have remaining. We will deduct any amount recovered or recoverable from third parties. This includes airlines, booking agents, and travel suppliers.

Sub-limits

The most we will pay for claims arising from an illness or injury that caused the death of a close relative living overseas is $2,500 for a cardholder or $5,000 for a cardholder with their family.

The most we will pay for claims in any way related to a pre-existing medical condition of a close relative living within Australia who is hospitalised or dies during the protection period is $2,000 for a cardholder or $4,000 for a cardholder with their family. This is provided that, at the time of booking your trip, you were unaware of the likelihood of such hospitalisation or death.

Rearranging your trip

We will cover the reasonable cost of rearranging your trip for the same or similar standard of transport and accommodation as originally booked. This is up to the limit shown on your table of benefits or certificate. We won’t pay more than the non-refundable costs that would have arisen if your trip had been cancelled.

Frequent flyer and reward points

We will cover the value of frequent flyer or similar flight reward points, air miles or redeemable vouchers lost if you cancel or cut short your trip and you can’t recover your loss in any other way.

You're not covered...

For any exclusions listed in the ‘General exclusions’ section of this protection.
For any excess noted on your certificate or table of benefits.
For any claims caused by not wanting to travel. For example, if you change your mind, if your financial circumstances change, if you’ve a work or family commitment, or if there's an event not explicitly covered by this Complimentary Overseas Travel Insurance Policy.
For any rebooked flights after a successful claim or cancellation.
For any claims where you haven't given reasonable notice to the travel service provider, tour operator and/or other provider.
When the event you're travelling for is cancelled. Please direct these claims to your event organiser.
For the cost of any medical tests or certificates.
For any costs relating to unused travel and accommodation for people not covered by this Complimentary Overseas Travel Insurance Policy.
For unused pre-paid travel costs when we've paid to bring you home.
If the regulatory authority in any country withdraws the aircraft, sea vessel, coach or train on which you're booked to travel.
For any cancellation or interruption caused by normal pregnancy or childbirth unless certified by a medical practitioner.
For additional fees and charges applied to your booking. For example, prepaid food and seat selection costs, airport services or surcharges, agent or administration fees, or foreign exchange fees. This exclusion doesn't apply to government taxes.
For claims arising from an act of terrorism.
For failure by you or another person to get the relevant visa, passport or travel documents.
For errors or omissions by you or another person in the booking.
For the failure of any travel agent, tour operator, accommodation provider, airline or other carrier due to their insolvency.
For any cancellation or interruption caused by a request from your employer, your leave application being denied, or your pre-approved leave being revoked. This exclusion doesn’t apply if you’re a full-time member of the Australian Defence Force or of a federal, state or territory emergency service and your previously approved leave is revoked. This includes the police, fire brigade, ambulance or paramedic service.
For claims caused by a lack of people taking part in a tour, conference, accommodation or travel arrangement, or by wholesaler or operator negligence. This exclusion doesn't apply to separately prepaid travel you've bought to reach the departure point.*
If you’re 80 years old or older at the start of your trip.

*If a prepaid overnight tour or river cruise is cancelled because not enough people signed up, we may still cover your other prepaid costs. We will pay up to $800 for whichever is lower: the cost to amend your plans, or the non-refundable costs if you cancel.

Upgrades

Cardholders must complete the registration process to be eligible for these upgrades.

When a cardholder completes the registration process, they can apply for the following Upgrades on the Bankwest App. You’ll need to pay a premium for each Upgrade.

You can’t apply for Upgrades once your trip has started.

Trip cancellation and additional expenses are only available as part of the Comprehensive coverage Upgrade for Bankwest Platinum Mastercard holders. For Bankwest World Mastercard holders, trip cancellation and additional expenses are already included in your Complimentary Overseas Travel Insurance.

Cardholders or family who are 80 years or older at the relevant time can’t buy Upgrades.

The benefit limits include family when travelling with the cardholder unless specified otherwise.

Pre-existing medical conditions Upgrade

This protection only applies if your certificate shows the Pre-existing medical conditions Upgrade.

If your Pre-existing medical condition isn’t automatically accepted (see the ‘Pre-existing medical conditions’ section), you can apply for a Pre-existing medical conditions Upgrade. If approved, you'll be protected while on your trip under the ‘Emergency medical expenses and assistance’ section. You’ll also be protected under the ‘Trip cancellation’ section if you’re a Bankwest World Mastercard holder or you’re a Bankwest Platinum Mastercard holder who’s bought the Comprehensive coverage Upgrade. You’ll be issued a certificate confirming the pre-existing conditions covered. A premium applies.

We won’t pay claims from or related to your pre-existing medical condition if:

You don't apply for this upgrade.
You apply for this upgrade and we don’t agree to provide cover for your pre-existing medical condition.
We agree to provide cover for your pre-existing medical condition and you don’t pay the extra premium.

Extended coverage Upgrade

If you're planning to travel for longer than the maximum trip length for Complimentary Overseas Travel Insurance for your card, you can apply to extend your protection period.

If you're accepted for this upgrade and you pay any extra premium, your certificate will show the increased protection period.

Under this upgrade, the protection available to you under Complimentary Overseas Travel Insurance and any Upgrades will be provided for the added period of time.

The maximum protection period can't be more than:

three consecutive months for Bankwest Platinum Mastercard cardholders, or
12 consecutive months for Bankwest World Mastercard cardholders.

This applies from the start of your trip and includes your complimentary duration of:

31 consecutive days for Bankwest Platinum Mastercard cardholders, or
six consecutive months for Bankwest World Mastercard cardholders.

This means you can extend your protection for your trip by up to two months if you're a Bankwest Platinum Mastercard holder, or up to six months if you're a Bankwest World Mastercard holder.

Comprehensive coverage Upgrade

When a cardholder completes the registration process, they can apply for the following bundle of Upgrades on the Bankwest App.

Trip cancellation

Trip cancellation is automatically included for World Mastercard cardholders.

Trip cancellation is only available as part of the Comprehensive coverage Upgrade for Bankwest Platinum Mastercard holders.

Visit the ‘Trip cancellation’ section for details on what’s included and excluded.

Additional expenses

Additional expenses are automatically included for Bankwest World Mastercard cardholders. Bankwest Platinum Mastercard cardholders are only protected if they have purchased the Comprehensive coverage upgrade. For medical related claims, protection is subject to the written advice of the overseas treating medical practitioner and acceptance by our 24-hour emergency assistance team.

We will reimburse your reasonable additional accommodation (room rate only) expenses and additional transport expenses, at the same accommodation standard or fare class as originally booked, if a disruption to your trip arises from any of the following reasons:

You or your travel companion can’t travel because of a disabling injury, sickness, or disease in the protection period and the treating medical practitioner certifies in writing that you or your travel companion are unfit to travel.
You shorten your trip and return to Australia on the written advice of a qualified medical practitioner.
You’re required to return early to Australia because your travel companion or a close relative of either of you dies unexpectedly or suffers a disabling injury, sickness or disease, which means hospitalisation is required, provided the claim wasn’t in any way related to, or exacerbated by, an existing medical condition.
Your scheduled or connecting transport is cancelled, delayed, rescheduled, or diverted because of a strike, riot, hijack, civil protest, weather, mechanical breakdown, natural disaster, or a collision affecting your mode of transport.
You lose your passport, travel documents, or transaction cards (except involving government confiscation or articles sent through the mail) or they are stolen.
Your home is rendered uninhabitable by fire, explosion, earthquake, or flood.

For medical related claims, protection is subject to the written advice of the overseas treating medical practitioner and acceptance by our 24-hour emergency assistance team. If your claim is coverable, we or our emergency assistance team won’t unreasonably withhold or delay our acceptance.

The maximum we will pay is unlimited.

Protection ends when you’re able to continue your journey, travel home, or on the completion of your protection period, whichever is earliest.

In any event, you must take advantage of any pre-arranged return travel to Australia. If you didn’t have a return ticket booked to Australia before the event that caused the claim, we will reduce the amount of your claim by the price of the fare to Australia from the place you planned to return to Australia from. The fare will be at the same fare class as the one in which you left Australia.

Additional expenses are only available as part of the Comprehensive coverage Upgrade for Bankwest Platinum Mastercard holders.

Resumption of trip

This protection only applies if you’ve bought the Comprehensive coverage Upgrade.

We will pay economy class transport costs for you to return overseas and continue your trip if you have to return home early because a close relative died unexpectedly or was admitted to hospital during your trip.

You're protected if...

It’s possible for you to resume your trip.
There are more than 14 days remaining on your protection period.
You resume your trip within 12 months of your return to Australia.
The illness or injury was not in any way related to a pre-existing medical condition. The sub-limits below apply.

If you’re travelling alone, the maximum we will reimburse you is up to $5,750. If you’re travelling with your family, the maximum we will reimburse you is up to $15,000.

Sub-limit: If the hospitalisation or death was due to a pre-existing medical condition, we will pay up to $2,000 (cardholder only) or $4,000 (with family) for economy class transport costs, provided you had no reason to expect this outcome when you registered your protection.

You're not covered…

For any exclusions listed in the ‘General exclusions’ section of this protection.
For claims if you were aware before your protection period started, that your trip may be cancelled, delayed or disrupted.

Accidental death

This protection only applies if you’ve bought the Comprehensive coverage Upgrade.

If you die during or within a year of your trip because of an injury suffered on your trip, we will pay your estate the amount shown on your certificate. This benefit also applies if the transport you're travelling on disappears, sinks or crashes and you're presumed dead and your body isn’t found within 12 months.

The maximum we will pay is $25,000.

Travel delay

This protection only applies if you’ve bought the Comprehensive coverage Upgrade.

You're protected if...

Your pre-booked transport is temporarily delayed for at least 6 hours due to an unforeseeable circumstance outside your control. This includes cyber incidents.

If you’re travelling alone, we will reimburse you up to $475. If you’re travelling with your family, we will reimburse you $1,100 for reasonable additional meals and accommodation costs.

You're not covered...

For any exclusions listed in the ‘General exclusions’ section of this protection.
If your flight is delayed by less than 6 hours.
If you fail to check in for your transport in time.
If you were made aware of the delay before you registered your cover.
For claims caused by the insolvency of any travel agent, tour wholesaler, tour operator or booking agent.
If you don't provide confirmation from the public transport carrier of the cause and period of the delay and the amount of compensation offered by them.

Rental vehicle insurance excess

This protection only applies if you’ve bought the Comprehensive coverage Upgrade.

We will pay the lower of the rental vehicle insurance excess, the liability fee under a damage waiver, or the repair costs to the rental vehicle that you become liable to pay for while on a trip.

You're protected if...

You’ve hired a rental vehicle and are the nominated driver on the rental agreement;
You’ve purchased motor vehicle insurance or a damage waiver from the rental company; and
The rental vehicle is damaged or stolen while in your control during your protection period.

Additionally, if you're unable to return your rental vehicle to the nearest depot due to a claimable event under this protection, we will pay up to $500 for the cost of returning the vehicle.

The maximum we will pay is up to $3,000.

You're not covered...

For any exclusions listed in the ‘General exclusions’ section of this protection.
If you breach a condition of this Complimentary Overseas Travel Insurance Policy. For example, by failing to purchase the rental company's CDW coverage options.
For any damage or theft from operating a rental vehicle in violation of the rental agreement.
For driving the rental vehicle without a valid licence.
For damage sustained to a rental vehicle while driven on an unsealed road.
For administration costs or loss of use penalties.

Hijack and kidnap

This protection only applies if you’ve bought the Comprehensive coverage Upgrade.

We will pay you $250 for each continuous 24-hour period that you’re forcibly detained if you’re hijacked or kidnapped during your trip.

The maximum we will pay is up to $5,000.

Special event

This protection only applies if you’ve bought the Comprehensive coverage Upgrade.

We will pay your reasonable additional travel expenses to arrive at your destination in time if your trip is cancelled, delayed, shortened or diverted, resulting in you being unable to arrive in time to attend a wedding, funeral, prepaid conference, sporting event or prepaid travel/tour arrangements. This protection only applies if the cancellation or delay was due to unforeseeable circumstances outside your control.

The maximum we will pay is up to $3,000.

We will not pay for claims:

caused by the financial collapse or insolvency of any travel agent, tour wholesaler, tour operator or booking agent, or
if you haven’t obtained the Comprehensive coverage Upgrade and paid the required premium.

Domestic pets boarding

This protection only applies if you’ve bought the Comprehensive coverage Upgrade.

If your return to Australia is delayed because of events covered under this protection, or your scheduled transport back to Australia is delayed for reasons beyond your control (including a cyber incident), the protection period will automatically be extended for a period of four weeks. During this period we will pay any additional boarding fees for your domestic cats and dogs, provided you provide evidence of the additional fees you incurred.

If you’re travelling alone, the maximum we will reimburse you is up to $1,000 ($50 per 24 hours). If you’re travelling with your family, the maximum we will reimburse you is up to $1,000 ($50 per 24 hours).

We will not pay for claims if you haven’t obtained the Comprehensive coverage Upgrade and paid the required premium.

Travel services provider insolvency

This protection only applies if you’ve bought the Comprehensive coverage Upgrade.

If, due to the insolvency of a travel services provider:

You have to rearrange your journey, we will pay the reasonable cost of doing so (we will not pay more for the cost of rearranging your journey than the non-refundable costs, which would have been incurred had the journey been cancelled. The cover is limited to the same or similar standard of transport and accommodation as was originally booked).
You have to cancel your journey (where you can’t rearrange it prior to leaving home) we will pay you:
1. the value of the unused portion of your prepaid travel or accommodation arrangements that are non-refundable and not recoverable in any other way including the travel agent’s commission. If you used a travel agent: the travel agent’s commission is limited to the lesser of $1,000 or the amount of commission the agent had earned on the prepaid refundable amount of the cancelled travel arrangements, and
2. the value of frequent flyer or similar flight reward points, air miles, redeemable vouchers or similar schemes lost by you following cancellation of the services paid for with those points if you can’t recover your loss in any other way. The amount we will pay is calculated as follows:
  1. For frequent flyer or similar flight reward points, loyalty card points, air miles: the cost of an equivalent booking, based on the same advance booking period as your original booking. We will deduct any payment you made towards the booking and multiply it by the total number of points or air miles lost, divided by the total number of points or air miles used to make the booking.
  2. For vouchers, the face value of the voucher up to the current market value of an equivalent booking, or
You have to pay additional expenses in returning home, we will pay your reasonable additional accommodation (room rate only) and additional transport expenses, at the same fare class and accommodation standard as originally booked.

You must recover the maximum amount available from any statutory fund, compensation scheme or any other source. For example, if you paid for your airline ticket with a credit card and the transaction meets the card issuer’s terms and conditions regarding non-provision of services, you need to claim the cost of the airline ticket through the credit card issuer first.

If you’re travelling alone, the maximum we will reimburse you is up to $5,000. If you’re travelling with your family, the maximum we will reimburse you is up to $10,000.

We will not pay for claims caused by:

The insolvency of a travel services provider if the booking wasn’t made before the start of your trip while you’re still in Australia.
The insolvency of any travel agent, tour wholesaler, tour operator or booking agent.
Insolvency of a travel services provider if, at the relevant time, the travel services provider was insolvent or a reasonable person would have reason to expect the travel services provider might become insolvent.
Accommodation expenses incurred after the date you originally planned to return to Australia.
Claims if you haven’t obtained the Comprehensive coverage Upgrade and paid the required premium.

Loss of income

This protection only applies if you’ve bought the Comprehensive coverage Upgrade.

If you suffer an injury during your trip, we will pay you up to $1,000 per week for your weekly net of income tax wage for a maximum period of 3 months, starting from the 31st day after your return to Australia, if:

The injury you suffer requires medical treatment overseas.
The injury leaves you disabled within 30 days of it occurring.
The disability continues for more than 30 consecutive days after you return to Australia.
You lose all your income because you can't return to your usual employment in Australia.
A medical practitioner is regularly treating you and confirms in writing that your disability prevents you from working.

The maximum we will pay is $12,000.

There’s no protection for any loss that isn’t directly associated with the incident that caused the claim. For example, loss of earnings not due to the injury during your trip.

Travel documents, transaction cards, travellers cheques and cash

This protection only applies if you’ve bought the Comprehensive coverage Upgrade.

Travel documents

If your passport, transaction cards or travellers cheques are lost, stolen or destroyed during your trip, we will pay the issuer's replacement and communication fees.

Transaction cards or travellers cheques

We will pay for any loss resulting from the fraudulent use of your transaction cards or travellers cheques that are lost or stolen during your trip.

Cash

We will reimburse you for cash, bank notes, currency notes, postal or money orders stolen from you or from a locked safe or safety deposit box during the trip.

If you’re travelling alone, the maximum we will reimburse you is up to $600. If you’re travelling with your family, the maximum we will reimburse you is up to $1,100 (up to $600 per person).

You're not covered...

For any exclusions listed in the ‘General exclusions’ section of this protection.
For loss or theft that isn’t reported to the police or security personnel, or the issuing bank, as soon as possible and within 7 days. You must submit a copy of the relevant report with your claim.
For any amount covered by any guarantee given by the bank or issuing company to you.
For your failure to comply with recommended security guidelines for the use of bank or currency notes, cheques, credit cards, postal or money orders or petrol coupons.
For cash, bank notes or currency notes not on your person or in a locked safe or safety deposit box at the time they were stolen.

General conditions

These conditions apply to all sections of this protection.

If you cut your trip short, we will pay for your unused days. We first deduct anything you can recover from airlines, booking agents or travel suppliers.
We may ask for a medical certificate during the claims process. Any associated costs aren't covered unless a follow-up independent examination is requested, for which we will reimburse you.
Don't make any payment, admit liability, offer or promise to make any payment without written consent from us. Otherwise, we will reimburse only what we would have approved had you contacted us first.
We will decide how to settle or defend a claim and may carry out proceedings in the name of any person covered by this Complimentary Overseas Travel Insurance Policy. This includes proceedings to recover any claim payments.
We can take over the handling or settlement of any claim. We may also take legal proceedings in your name against another party. Any money we recover will first be used to reimburse you for any part of your loss that wasn’t covered by this protection. We will retain any remaining amount up to the value of our claim payment.
We may at any time pay the full limit shown on your certificate, after which no further payments will be made.
Please provide us with all information we request to help us recover or pursue a contribution from a third party.
We and you don’t intend any term of this contract to be enforceable by any third party.
Protection isn’t provided for existing medical conditions, except those automatically accepted or covered under an Upgrade.
We won’t pay any benefit if doing so would contravene the Health Insurance Act 1973, the Private Health Insurance Act 2007 or the National Health Act 1953.
Travel to Norfolk Island, Christmas Island, Lord Howe Island or Cocos Island counts as overseas travel for this protection. However, medical transfers, evacuations, and hospital costs aren’t covered for these destinations.
Automatically included activities:
Ballooning
Bungy Jumping
Flying Fox
Horse Riding
Jet Boating
Jet Skiing
Kayaking
Parasailing
Riding a motorcycle or motorscooter up to 250cc
Scuba diving to a depth of 30 metres
Snorkelling
White Water Rafting

No cover applies if racing or participating in a professional capacity.

General exclusions

These exclusions apply to all sections of this protection.

You're not covered…

If you're not an Australian resident with an eligible Bankwest credit card or travelling with an Australian resident with an eligible Bankwest credit card.
For any pre-existing medical condition that isn’t automatically accepted or covered under an Upgrade.
For any excess shown on your certificate.
For any claim where you’ve failed to take medication as prescribed by your medical practitioner.
For any non-emergency treatment or surgery not directly related to the illness or injury which caused your hospitalisation. This includes exploratory tests.
For any claim caused by sexually transmitted infections.
For injuries or death caused by suicide or attempted suicide.
For your failure to take reasonable care for your own safety and property. For example, jumping from vehicles, balconies or buildings, or any other unnecessary risk-taking (unless protecting your own life or someone else's).
For any claim arising or resulting from your involvement in any malicious, reckless, illegal or criminal act. This includes failure to comply with the laws of the country in which you're travelling.
For any claim resulting from air travel within 24 hours of scuba diving.
For claims involving air travel unless you’re a passenger on a fully licensed passenger-carrying aircraft operated by an airline or charter company.
For motorcycle injuries if you don't have the appropriate licence or are driving on unsealed public roads. This includes e-scooters and e-bikes.
For any claims related to winter sports.
For any claim on or resulting from an international cruise vacation or activity.
For the financial failure of any travel agent or supplier forming part of your claim.
For any other costs not specifically covered in the Complimentary Overseas Travel Insurance Policy. For example, loss of earnings due to being unable to return to work following injury or illness occurring while on a trip (other than the ‘Loss of Income’ benefit).
For any payment you would normally have made during your travels.
For any claim arising from travel to a destination where the Australian Department of Foreign Affairs and Trade (DFAT) or any other government or official body has issued a travel advisory, where that advisory is rated 'Reconsider your need to travel' or 'Do not travel' (or equivalent), or recommends against all non-essential travel or specific transport arrangements or activities. For current DFAT advice, visit smartraveller.gov.au.
For any claim if you’re denied boarding for a flight, train, sea vessel, coach or bus for any reason.
For any claim arising from your failure to get the required passport or visa.
For any claim arising from:
war or terrorism, whether formally declared or not;
invasion, civil war, rebellion, revolution or uprising;
blockades or military action;
biological or chemical materials used to hurt people or destroy property or cause fear;
nuclear or radioactive risks. This exclusion won't apply to the ‘Emergency Medical Expenses and Assistance’ section provided you haven't participated in or conspired in such activities.
For any claim if you're listed on an official government or police database of suspected terrorists, drug traffickers or illegal weapons suppliers.
For drug or alcohol misuse, abuse or dependency. We define alcohol misuse as a blood alcohol concentration level above 0.19%.
For claims arising from, or prohibited under, any government intervention, prohibition, sanction, regulation or restriction or court order.
For any claim related to substance or drug abuse. This includes over the counter and prescription drugs.
For any claim related to taking any non-prescription drug or substance. This includes marijuana, ecstasy or heroin etc.
For delays caused by adverse weather, riot, civil commotion, strike or industrial action, if the disruption started or was announced before your Complimentary Overseas Travel Insurance Policy began or before you bought your tickets.
For use of motorcycles or motorscooters with an engine capacity greater than 250cc, for any purpose.
For claims involving air-supported devices unless parasailing or hot air ballooning.
For claims from not wearing appropriate protective clothing and head protection for sport or activity.
For any loss or damage to your belongings caused by detention, confiscation or destruction by customs, border control, or any other government official or authority.
For any expenses that you're entitled to recover under workers' compensation laws, transport accident laws, or any government-sponsored fund, plan, medical benefit scheme, or similar legislation.
For any claim arising from the conduct of a person you’ve permitted to enter your accommodation, or a person whose accommodation you’ve chosen to enter.
For any cancellation or interruption caused by government-mandated border closures or travel bans due to epidemics or pandemics. This doesn’t include claims directly arising from your personal illness.
For claims if you or your travel companion take part in:
hunting or using hunting equipment or projectiles (e.g. shooting and archery)
mountaineering (involving the use of climbing equipment, ropes or guides)
outdoor rock climbing (involving the use of climbing equipment, ropes or guides)
trekking that reaches an altitude of more than 4,000 metres above sea level
sports activities in a professional capacity
abseiling
parachuting
skydiving
hang gliding
BASE jumping
wingsuiting
potholing
canyoning
caving
fire walking
motocross
running with the bulls
rodeo riding
polo playing
tobogganing
snowmobiling
scuba diving or underwater activities that involve using artificial breathing equipment (unless the maximum depth is no greater than 30 metres, and you or your travel companion have an open water diving licence and are diving with another person, or are diving with a qualified and registered diving instructor).

Free extension of your cover

If your trip needs to be extended due to circumstances outside your control, we will cover you until you're able to complete your trip. For example, if your return flight is delayed or you're admitted to hospital overseas.

You’re only covered for incidents that occur in the protection period.

Your protection period may be automatically extended at no extra cost if your return to Australia has been delayed, and you return home as soon as possible, if:

Your scheduled transport back to Australia is delayed for reasons beyond your control.
The delay is due to an event for which you can claim.

If your overseas trip is for a period longer than the protection period, you won’t be covered at the end of that period unless you’ve successfully applied for an Upgrade. You’ll need to complete the steps to register the Complimentary Overseas Travel Insurance Policy and then apply for the Extended coverage Upgrade. You can only register one Complimentary Overseas Travel Insurance Policy per trip.

Misrepresentation, non-disclosure or fraudulent claims

You must take reasonable care not to give us false or misleading information when you register your cover, apply for an Upgrade or make a claim. Where you have provided false or misleading information, we may reduce the amount of any claim payable to the extent we are prejudiced by that information. Where misrepresentation or non-disclosure is fraudulent, we may refuse to pay the claim or avoid the Complimentary Overseas Travel Insurance Policy. We may refer matters of fraud to relevant authorities and retain any premium paid.

We may also inform Bankwest of the situation and you may no longer be eligible for any (or all) of the benefits in this PDS.

Making a claim

Medical emergencies

Please contact us as soon as possible if you're admitted to hospital or as soon as you know you require emergency medical assistance. We may be able to cover your expenses directly with the hospital.

XCover Assist is here to help 24/7 if you're suffering from an acute illness or injury and need urgent medical attention. A contact number will show after you book your trip.

For everything else

To start your claim:

Log in to the Bankwest App.
Select “Start a new claim”.
Upload your documents.

For a step-by-step guide, visit our Help Centre.

Cancellation and refunds of your protection

Cancellation by you

You can only cancel Upgrades to your protection.

If you cancel your Upgrades within 21 days of purchase, you’ll be given a full refund of the premium you paid, if you haven’t started your trip or you haven’t made a claim.

You’re not entitled to a refund if you have started your trip, you want to make a claim, or exercise any other right under your protection.

Cancellation by us

We may cancel this Complimentary Overseas Travel Insurance Policy only on the grounds permitted by s.60 of the Insurance Contracts Act 1984 (Cth), including where you have failed to comply with the duty of utmost good faith, failed to comply with a provision of this Complimentary Overseas Travel Insurance Policy (including payment of premium), made a fraudulent claim, or failed to notify us of a change in risk. You'll receive written notification and a refund where applicable.

Definitions

The following keywords or phrases have the same meaning wherever they appear in this protection, unless explicitly stated otherwise. Throughout the Complimentary Overseas Travel Insurance Policy wording, these keywords or phrases will display a tooltip to highlight the definition when hovered over and/or will be underlined.

Accident

an unexpected sudden event caused by something external that results in an injury or death.

Act of terrorism

an act that can involve the planned use of force or violence and/or the threat of any person or group of persons. This includes whether they’re acting alone or on behalf of, or in connection with, any organisation, or government, committed for political, religious, ideological or similar purposes. For example, the intention to influence any government and/or the public, or to put any section of the public in fear.

Adverse weather

potentially harmful weather conditions that present an increased risk to safety and health.

Australian resident

someone who is an Australian citizen or permanent resident with a valid Medicare card or holds a valid visa allowing you to live, work, or study for at least 2 years.

Booking invoice

the documents provided to you by your booking provider detailing your flight itinerary and payment receipt. This includes departure dates, airline and passenger information.

Business items

new business property acquired for your business use, except items with an original purchase price over $3,000.

Cardholder

a person residing in Australia who has been issued an eligible Bankwest credit card. Each cardholder must independently meet the requirements to be eligible for protection. If a cardholder’s family is travelling together, only one person can claim the benefits payable to the cardholder. The others can only claim as a family.

Certificate

the document giving details of the coverage dates, applicable benefits, limits and excess, the premium, and the reference number.

Children/Child

an unmarried person who is dependent on you or your partner, and falls into one of the following categories:

under 18 on the trip start date; or
aged 18 to 21, enrolled full-time at an accredited educational institution in Australia, and financially dependent on you for their maintenance and support; or
of any age, and physically or mentally unable to support themselves.

This includes step-children, fostered or adopted children, and grandchildren who are dependent on you, your partner, or a parent.

Close relatives

is limited to spouse, partner, parent, parent-in-law, stepparent, guardian; grandparent; child, foster child, grandchild; brother, brother-in-law, half-brother, stepbrother, sister, sister-in-law, half-sister, stepsister; daughter, daughter-in-law, stepdaughter, son, son-in-law, stepson; fiancé, fiancée; uncle, aunt; or niece, nephew.

Complications of pregnancy or childbirth

a medical practitioner must certify the complication. Covered complications include:

toxaemia
gestational hypertension
pre-eclampsia
ectopic pregnancy
molar pregnancy
hyperemesis gravidarum
antepartum haemorrhage
placental abruption
placenta praevia
post-partum haemorrhage
retained placenta membrane
miscarriage
stillbirths
medically necessary emergency Caesarean sections/medically necessary termination
any premature births or threatened early labour more than 8 weeks (or 16 weeks in the case of a multiple pregnancy) before the expected delivery date.

Complimentary Overseas Travel Insurance Policy

this PDS or the policy described on the cardholder’s current certificate.

Cruise vacation

a trip during which you spend a prolonged period of time on a ship or boat.

Cyber act

an unauthorised, malicious or criminal act involving a computer system, including any threat or hoax of such an act.

Cyber incident

any cyber act, or any related error or omission, that causes the partial or total unavailability of a computer system.

Documents

passport, visa and driving licence.

Domestic cruise

a trip on a foreign-registered cruise ship, that is not forming part of an international trip, departing from a port in Australia and calling only at other Australian ports, with no stopover at any port outside Australia.

Eligible Bankwest credit card

means one of the following issued by Bankwest:

a current and valid Bankwest Platinum Mastercard credit card, excluding Bankwest Platinum Zero Mastercard.
a current and valid Bankwest World Mastercard credit card.

An eligible credit card that isn’t activated or that’s currently cancelled or suspended isn’t current and valid.

Excess

the first amount of a claim that we will not pay for. The excess applies once per person for each event. If a single incident gives rise to multiple claims for the same person, the excess is deducted once for that person. The excess amount will be shown on your certificate.

Family

partner of the cardholder who is permanently living with the cardholder at the time the trip starts or the time the interstate travel starts, and/or accompanied child.

Group Policy

a contract of insurance between the insurer and Commonwealth Bank of Australia, including its division Bankwest (the insured entity).

Home

your normal place of residence.

Home country

the country in which you’re resident.

Hospital

a licensed medical institution that is run by medical practitioners, provides care supervised by registered nurses, and has facilities for diagnosing and treating injured or sick people. Specialist institutions such as rehabilitation centres, convalescent homes, and rest homes don’t qualify.

Hospitalised

refers to in-patient treatment received in a hospital where an overnight stay is medically necessary.

Illness/Ill

a sickness or disease that first becomes apparent during your protection period and requires immediate treatment from a medical practitioner.

Injury

bodily injury sustained in an accident directly and independently of all other causes.

Insolvency or insolvent

means bankruptcy, provisional liquidation, liquidation, insolvency, appointment of a receiver or administrator entry into a scheme of arrangement, statutory protection, presentation of a petition for the compulsory winding up of, stopping the payment of debts or the happening of anything of a similar nature under the laws of any jurisdiction.

Insurer

Allied World Assurance Company, Ltd. (Australia Branch) ABN 54 163 304 907 AFSL No. 548668.

Items

includes your clothing and personal belongings, including all suitcases, and luggage etc.

Medical practitioner

a doctor, psychiatrist, clinical psychologist or a dentist, who isn’t you, your travel companion or a close relative, or an employee of you, your travel companion or a close relative, registered with and accredited by the Australian Health Practitioner Regulation Agency (AHPRA). Or, if you’re overseas, an equivalent regulatory body in the country in which they’re currently practising and qualified to give the diagnosis being provided.

Medical treatment

any care, service or procedure provided by a registered medical practitioner, nurse, hospital or other registered health professional for diagnosing, treating, relieving or managing an injury, illness or medical condition. Medical treatment doesn’t include routine or elective care that could reasonably have been postponed until after your trip, unless it is required as a result of a covered event during your trip.

Natural catastrophe

volcanic activity, volcanic ash, earthquake, tsunami, hurricane, cyclone, flooding of more than 50 square kilometres, wildfire of more than 50 square kilometres.

Normal pregnancy or childbirth

pregnancy or childbirth without any complications of pregnancy or childbirth.

Personal electronics

includes mobile phones, tablets, smartwatches, wearable activity trackers, and laptops.

Pre-existing medical conditions

any disease, illness or injury (whether diagnosed or undiagnosed) that existed at or before registering or starting your trip. These are subject to the pre-existing medical conditions, including conditions that may be automatically covered, listed in this Complimentary Overseas Travel Insurance Policy and the special conditions outlined for each. No cover applies for any other pre-existing medical condition.

Professional capacity

participating in an activity for financial reward, remuneration or as part of your occupation or employment.

Protection period

the time when you’re protected. It starts:

For the Complimentary Overseas Travel Insurance Policy:

For the ‘Trip cancellation’ benefit:
- If you’re a Bankwest World Mastercard holder, when you book your trip on your Eligible Bankwest credit card.
- If you’re a Bankwest Platinum Mastercard holder, when you buy the Comprehensive coverage Upgrade.
For all other benefits – protection applies when you are on your trip.
For Upgrades, at the start date on the certificate provided the cardholder fully completed the eligibility requirements.

It ends at the earliest of the following times:

At the end of the trip.
When we determine that you should return to Australia for treatment or the end date shown on your certificate.

Public place

any place the public has access to, including but not limited to airports, bus terminals, buses, cruise ships, planes, stations, taxis, trains, wharves and beaches, galleries, hostels, hotels, hotel foyers and grounds, museums, private car parks, public toilets, shops, streets, restaurants and general access areas.

Public transport carrier

a licensed vehicle or vessel that carries passengers or baggage for hire. This includes aircraft, buses, coaches, ferries, ships, trains and trams.

Reciprocal health agreements

entitle residents of each country to medical treatment either free of charge or at a reduced cost.

Rental vehicle

a campervan/motorhome that doesn’t exceed 6 tonnes, SUV, sedan, station wagon, hatchback, people mover, coupe, convertible, four-wheel drive or mini bus rented from a licensed rental company or agency.

Strike or Industrial action

any form of Industrial action taken by workers, which is carried on with the intention of preventing, restricting, or otherwise interfering with the production of goods or the provision of services.

Ticket holder

each person travelling on the same booking as you.

Travel companion

any person you’re travelling with who isn’t a ticket holder.

Trip

your trip starts on whichever is later: the day you leave home, or the departure date on your certificate. It ends on the earlier of the date you return to your home or usual place of residence, the return date shown on your certificate, or the date your Complimentary Overseas Travel Insurance Policy ends or is cancelled. Your trip must be pre-booked and undertaken for business or personal purposes.

Unattended

not on your person, or not within your sight and reach.

Usual, reasonable and customary

the most common charge for equivalent services, medicines or supplies in the area where the charge is incurred. When determining whether a charge meets this standard, we may consider any of the following:

The skill, training and experience required to perform the procedure or service
The time required, compared to similar services
The severity or nature of the illness or injury being treated
What the same or comparable services, medicines or supplies cost locally
What the same or comparable services, medicines or supplies cost elsewhere in the country
The provider's cost of delivering the service, medicine or supply
Any other factors we reasonably determine to be relevant

Valuables

doesn’t include cash, but does include:

watches
jewellery
items made of or containing precious stones
semi-precious stones
gold, silver or platinum
photographic, audio, video and electrical equipment of any kind
camcorders and accessories
all photographic/digital/optical/audio/video media, iPods, MP3/4 players or similar and/or accessories
televisions
Ebook readers
telescopes
binoculars
furs
leather goods
silks
spectacles
prescription sunglasses
perfumes
any kind of key(s).

Winter sports

any activity that involves or is designed to involve snowy surfaces, regardless of whether the activity is indoors or outdoors. This may include activities such as skiing (on or off piste), snowboarding, glacier walking, sledging, sledding, skeleton and tobogganing, snow sport acrobatics or stunts, snowmobiling or snow shoe walking.

We/Us/Our

XCover.com, a trading name of Cover Genius Pty Ltd (ABN 43 159 983 598, AFSL 490058), acting under a binding authority of the insurer.

You/Your/Yours

either the cardholder or the cardholder’s family if they are eligible for cover.

Important information

Policy issuer

This document is a Product Disclosure Statement (PDS) for our Complimentary Overseas Travel Insurance policy.

This PDS was prepared on 28 September 2026 and is underwritten by Allied World Assurance Company, Ltd (Australia Branch) ABN 54 163 304 907 AFSL No. 548668.

The PDS has been prepared to assist you in understanding the key features of the insurance policy and making an informed choice about your insurance requirements. This PDS sets out the significant features of the insurance policy including its benefits, risks and information about how the insurance premium will be calculated. You should read it carefully. This PDS also provides full details of the terms, conditions and limitations of the insurance cover.

Any advice contained in this PDS is provided by Cover Genius and is general advice only. This means it has been prepared without taking into account your individual objectives, financial situation, or needs.

Before acting on this advice, you should consider whether it is appropriate for you, having regard to your personal circumstances, objectives, financial situation and needs. You should also review the Product Disclosure Statement (PDS) and the Target Market Determination (TMD) to help you decide whether this product is right for you.

This PDS is provided by Cover Genius Pty Ltd (ABN 43 159 983 598) in its capacity as an AFS Licensee, No 490058. The Complimentary Overseas Travel Insurance policy is underwritten by Allied World Assurance Company, Ltd (Australia Branch) ABN 54 163 304 907 AFSL No. 548668. Cover Genius acts in its capacity as an agent of the insurer and not the cardholder.

Bankwest is a division of Commonwealth Bank of Australia ABN 48 123 123 124 AFSL/Australian credit licence 234945 and its successors and assigns. Bankwest is not the insurer of the insurance referred to in this PDS. It and any of its related corporations do not guarantee, and are not liable to pay, any of the benefits under these covers.

About the Group Policy

The Group Policy is a contract of insurance between Allied World Assurance Company, Ltd (Australia Branch) (we/us/our) and Commonwealth Bank of Australia, including its division Bankwest (the insured entity). As a Bankwest cardholder, you receive access to benefits under the Group Policy by operation of section 48 of the Insurance Contracts Act 1984. You’re not a party to the Group Policy itself.

Because you’re not the contracting insured:

you can’t vary or cancel the Group Policy;
we and Bankwest can cancel or vary the Group Policy without your consent;
we send notices and correspondence only to Bankwest, not to you directly.

If you make a claim, you have the same obligations to us as Bankwest does under the Insurance Contracts Act 1984, and we have the same rights in relation to you as we have in relation to Bankwest.

Neither we nor Bankwest hold anything on trust for you under the Group Policy. Bankwest doesn’t act as our agent or as your agent in relation to this insurance.

You’re not obliged to use any of the cover available under the Group Policy. You may wish to consider whether the benefits suit your needs. We recommend speaking with a licensed financial adviser. Neither we, Cover Genius, nor Bankwest provide personal advice on whether this insurance is appropriate for you. Nothing in this policy prevents you from taking out additional insurance.

Termination or variation of the Group Policy

Bankwest may terminate or vary the Group Policy at any time. If this occurs, Bankwest will notify you by:

sending you written notice of the material variation or termination, or
advising you that a material variation or termination will take effect.

Bankwest will direct you to the relevant page at xcover.com or bankwest.com.au for full details of any changes. You can also call Bankwest to request that a copy of the changes be sent to you by post or email. Bankwest will not provide the accountholder with a copy of the actual changes made to the cover.

Any eligible purchases or bookings made before the Group Policy is varied or terminated will continue to be covered under the existing terms.

Purchases or bookings made after the variation or termination date won’t be covered under the previous terms.

Target Market Determination

A target market determination for this product can be obtained here.

Dual cover

We won’t pay more than our proportional share if there’s another insurance or service that covers your loss, damage, expenses, or liability. For example, a reciprocal health agreement, hospital scheme, government program, public transport carrier, travel agent or any other provider of transportation and/or accommodation.

Trip duration limits

The maximum trip duration for your protection depends on your card type:

31 consecutive days for Bankwest Platinum Mastercard cardholders, or
six consecutive months for Bankwest World Mastercard cardholders.

If you’ve bought the Extended coverage Upgrade, the maximum protection period can't be more than:

three consecutive months for Bankwest Platinum Mastercard cardholders, or
12 consecutive months for Bankwest World Mastercard cardholders.

Your upgrade certificate will confirm the maximum duration applicable to your card.

Claims currency

All claims will be paid in Australian dollars. If you paid in a different currency, the exchange rate from the time you paid will be used to calculate the amount owed. We will pay you unless you tell us to pay someone else. If you die, we will pay your estate. You’ll be paid by direct credit to an Australian bank account of your choice unless we agree to pay you elsewhere.

Sanctions

We won't provide protection or pay any claim if doing so would breach international sanctions. This includes sanctions imposed by the United Nations, European Union, Australia, United Kingdom, United States, or any other jurisdiction where we operate.

Governing law and jurisdiction

This policy will be governed and construed and resolved within the jurisdiction of the courts in accordance with the law of New South Wales, Australia.

Third-party rights

Except where otherwise required by law, you and we have agreed that:

it isn’t intended for any third party to this contract to have the right to enforce the terms of this contract.
you and we can rescind or vary the terms of this contract without the consent of any third party to this contract, who might seek to assert that they have rights under this policy.

Data protection

We’re committed to protecting your personal information and we’re committed to the principles of data security in the configuration of our services. Our Privacy Policy explains what data we collect, how we use it, and how to request a copy or withdraw your consent.

You can access the administrator’s privacy policy at https://www.xcover.com/privacy-policy.

By applying for, using or renewing any of our products or services, or providing us with your information, you agree to this information being collected, held, used and disclosed as set out in this plan. We may monitor and record phone calls to help maintain our quality standards and for security purposes.

Complaints

You can contact the friendly XCover Complaints Team at any time. Include your reference number (ending with "INS") for a formal review of your complaint. We will respond within 5 days. Click the button to send us an email.

File a complaint

You can also email us at complaints@xcover.com or visit xcover.com/contact.

If you’re dissatisfied with our response, please reply to our email and we will refer the matter to our Internal Resolution team. Our Internal Resolution team will assess your request and provide you with a final decision within 15 business days.

If the issue remains unresolved following the Internal Resolution process, you may discuss the matter further with the Australian Financial Complaints Authority (www.afca.org.au). AFCA is a free resolution service. Cover Genius is a member of this scheme. Contact AFCA via post (GPO Box 3, Melbourne, Victoria 3001), email (info@afca.org.au) or phone (1800 931 678) and they’ll indicate whether they can assist you with your complaint.

How to contact us

Claims: bankwest.com.au.

24-hour emergency assistance: Contact details on your certificate.

Postal address: Card Insurances, PO Box 2027, North Sydney NSW 2059.

Financial Services Guide

This Financial Services Guide (FSG) is an important document and is designed to help you decide whether to use the financial services offered. The FSG also contains information about:

How Cover Genius Pty Ltd (ABN 43 159 983 598, AFSL 490058) administers and arranges the Complimentary Overseas Travel Insurance Policy.

How these parties are paid for providing the financial services offered.

What financial services are provided?

Bankwest provides travel insurance as a benefit for holders of eligible cards. Bankwest is not the issuer of insurance products. Bankwest is insured under a Group Policy naming eligible cardholders as the beneficiaries. Information about the eligibility requirements, and terms of cover under the Group Policy, are set out in this document.

The insurer is Allied World Assurance Company, Ltd (Australia Branch) ABN 54 163 304 907 AFSL No. 548668. Cover Genius acts under a binder authority from the insurer. Cover Genius acts for Allied World Assurance Company, Ltd. and doesn’t act on your behalf.

Cover Genius holds an Australian Financial Services Licence, and is authorised to arrange for the issue of general insurance products, to provide general advice on general insurance policies, and to administer claims handling.

We don’t act on your behalf when providing these services. Our Australian Financial Services Licence doesn’t authorise us to provide personal advice to anyone. Any advice we give won’t take into account your personal objectives, financial situation or needs. You need to determine whether the product meets your insurance needs.

Cost of the Complimentary Overseas Travel Insurance Policy

The Complimentary Overseas Travel Insurance Policy is available at no extra cost to eligible cardholders. Upgrades require an additional premium. The total cost of any Upgrade is shown on your certificate and includes your premium plus applicable government taxes such as GST, Stamp Duty and Emergency Service Levies.

Remuneration

Cover Genius is paid a commission by Allied World Assurance Company, Ltd when you buy a Complimentary Overseas Travel Insurance Policy Upgrade. This commission is included in the premium that you pay and is received after you’ve paid the premium. This commission is a percentage of the premium. Cover Genius employees are paid an annual salary and may be paid a bonus based on business performance. Our authorised Product Distributors receive commissions from us that are a percentage of the premium.

Limits of cover

Our liability is limited to the amounts shown in your certificate or any limits shown in the PDS.

GST

If you're entitled to an input tax credit for the premium, you must inform us of the extent of that entitlement before the time you claim under this Complimentary Overseas Travel Insurance Policy. The amount we're liable to pay will be reduced by the amount of any input tax credit you are or may be entitled to claim.

Cancellation

You may cancel your Upgrades to your Complimentary Overseas Travel Policy at any time by notifying us in writing. You have a 21-day cooling-off period from the date your certificate is issued to cancel for a full refund, provided you haven’t started your trip.

We may cancel the Complimentary Overseas Travel Insurance Policy where we’re entitled to by law. Further details about cancellation are shown in the ‘Cancellation and refunds of your protection’ section in the PDS.

Compliance statement

Unless otherwise agreed by us in writing the law applicable will be Australian Law.

In the unlikely event that we are not able to meet our obligations under your policy, you may be entitled to access the Financial Claims Scheme (FCS), provided you meet the eligibility criteria. APRA is responsible for the administration of the FCS. The FCS only applies in the extremely unlikely event of an insurer becoming insolvent and the Federal Treasurer making a declaration that the FCS will apply to that insurer. It is also subject to eligibility criteria. The FCS entitles certain persons, who have valid claims connected with certain protected policies issued by that insurer to be paid certain amounts by APRA. Further information about the scheme can be obtained from the APRA website at www.apra.gov.au or on the APRA hotline on 1300 558 849.

Your protection consists of this Complimentary Overseas Travel Insurance Policy wording and the certificate that’s created at the time of purchase of an Upgrade and issued to you. The certificate may refer to other products that are covered by other policies.

Complaints resolution

If you have a complaint, please follow the Complaints procedure contained in the Product Disclosure Statement.

Who is responsible for this document?

Cover Genius is responsible for the content of this FSG, and is the providing entity.

This FSG was prepared on 28 September 2026.

Bankwest-Master-v1-September-2026

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Bankwest Qantas Platinum Mastercard

Source wording changes

Source pages and terms

Saved wording and terms

Source: https://www.bankwest.com.au/credit-cards/qantas-frequent-flyer

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†† Foreign transaction fees

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Important documents

Company

Products

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Legal

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