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Bankwest Qantas Mastercard

# Qantas Frequent Flyer credit card

An award-winning credit card for earning Qantas Frequent Flyer Points even when you’re not flying.

Apply now

[Resume application](https://apply-now.bankwest.com.au/qantas/)

* Join Qantas Frequent Flyer  
Qantas will waive the Frequent Flyer membership joining fee saving you $99.50.
* Less fees  
No foreign transaction fees.††
* Up to 44 days interest free  
Pay no interest on your purchases for up to 44 days.
* Overseas insurance  
Enjoy the peace of mind that comes with complimentary overseas travel insurance.\*\*

## Get bonus Qantas Points

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Platinum

### Earn up to 80,000 bonus points

For a limited time with a new Qantas Platinum Mastercard, spend $7,500 on eligible purchases in the first 90 days and keep your card open for over 15 months.\*​

---

World

### Earn up to 100,000 bonus points

For a limited time with a new Qantas World Mastercard, spend $35,000 on eligible purchases within the first five months and keep your card open for 15 months.\*

Offer available to new Bankwest Qantas Platinum or World Mastercard customers who have not held a Bankwest Qantas Mastercard in the last 24 months. Other fees and charges, T&Cs apply\*

Apply now

## The credit card for the world traveller

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### Your spending on point

Earn Qantas Points when you spend so you can enjoy more of the things you love.

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### Classic Flight Rewards

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.

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### Classic Upgrade Rewards

Use your Qantas Points to request an upgrade to select Premium Economy, Business or First on Qantas marketed and operated flights.‡ 

---

### Hotels and Holidays

Use your Qantas Points to book curated holiday packages, unforgettable tours and over 500,000 hotel stays.‡‡ 

---

### Qantas Marketplace

Discover thousands of other rewards, from retail therapy to wine, entertainment, and more.

## Available in Platinum or World

### Bankwest Qantas Platinum Mastercard

### Bankwest Qantas World Mastercard

| Bankwest Qantas Platinum Mastercard                                                                                                                                                                                                                                               | Bankwest Qantas World Mastercard                                                                                                                                                                                                                                                        |
| --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| Bonus pointsEarn up to 80,000 bonus Qantas Points. When you spend $7,500 on eligible purchases within the first 90 days and keep your card open for 15 months and must not have previously held a Bankwest Qantas Mastercard in the last 24 months. Other fees and T&C’s apply.\* | Bonus pointsEarn up to 100,000 bonus Qantas Points. When you spend $35,000 on eligible purchases within the first five months and keep your card open for 15 months and must not have previously held a Bankwest Qantas Mastercard in the last 24 months. Other fees and T&C’s apply.\* |
| Minimum credit limit$3,000                                                                                                                                                                                                                                                        | Minimum credit limit$12,000 Higher min credit limit                                                                                                                                                                                                                                     |
| Annual fee$199                                                                                                                                                                                                                                                                    | Annual fee$320 Higher annual fee                                                                                                                                                                                                                                                        |
| Points earned0.6 Qantas Points per $1 on the first $2,500 spent on eligible purchases per month, and 0.3 points thereafter                                                                                                                                                        | Points earned1 Qantas Point per $1 on the first $5,000 spent on eligible purchases per month, and 0.5 points thereafter More points                                                                                                                                                     |
| Complimentary overseas travel insuranceIncluded\*\*                                                                                                                                                                                                                               | Complimentary overseas travel insuranceIncluded\*\*                                                                                                                                                                                                                                     |

[Compare the details](https://www.bankwest.com.au/credit-cards/qantas-frequent-flyer#compare-qantas)

## Start earning Qantas Points

Apply now

## Interest at a glance

[How interest is calculated](https://www.bankwest.com.au/support/credit-cards/how-is-credit-card-interest-calculated)

* First 9 months
* Ongoing

---

Purchase rate

The rate you’ll pay on purchases if you’re not eligible for an interest free period.

19.99%p.a.

Ongoing rate

---

Balance transfer rate

The rate you’ll pay on balance transfers.

2.99%p.a.

for first 9 months, then 19.99% p.a.

---

Cash advance rate

The rate you’ll pay on any cash advances, including when you withdraw cash.†

21.99%p.a.

---

Purchase rate

The rate you’ll pay on purchases if you’re not eligible for an interest free period.

19.99%p.a.

Ongoing rate

---

Balance transfer rate

The rate you’ll pay on balance transfers.

19.99%p.a.

Ongoing rate

---

Cash advance rate

The rate you’ll pay on any cash advances, including when you withdraw cash.†

21.99%p.a.

Interest rates on offer may vary at any time without notice.

## No 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.

## What you get with a Bankwest credit card

### Always in the know

Check out your amount owing, and get alerts when your next repayment is due.

Your browser does not support HTML video, Here is a [link to the video](https://www.bankwest.com.au/content/dam/bankwest/web-assets/videos/app-ui-comps/credit-cards-grey.mp4) instead.

Your browser does not support HTML video, Here is a [link to the video](https://www.bankwest.com.au/content/dam/bankwest/web-assets/videos/app-ui-comps/money-grey.mp4) instead.

### Security taken seriously

Tools to help you better control your account, like instant card lock.

### Spend how you like

Start spending instantly. No need for a physical card.

### Easy Instalments

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

[Learn more](https://www.bankwest.com.au/support/credit-cards/easy-instalments)

### Make purchases without using your regular card details

---

#### Helping you spend, worry-free

Use temporary card details so you can spend without sharing your regular card details.

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#### Customise your spending with multi-use virtual card

Nickname your card, set a spend limit and choose an end date to manage multiple purchases, like a holiday or home renovation.

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#### Use it online, in-store and overseas

Add your virtual card to your digital wallet or copy card details to start using it straight away.

---

#### Set up in the Bankwest App

Create a single-use or multi-use virtual card in app with any transaction account or credit card.\*\*\*

## All the details

### Bankwest Qantas Platinum Mastercard

### Bankwest Qantas World Mastercard

| Bankwest Qantas Platinum Mastercard                               | Bankwest Qantas World Mastercard                                  |
| ----------------------------------------------------------------- | ----------------------------------------------------------------- |
| DescriptionFor earning Qantas Points even when you’re not flying. | DescriptionFor earning Qantas Points even when you’re not flying. |

---

__Introductory offers__
| 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.\*                                                                                                                    |
| Introductory purchase rateNot applicable                                                                                                                                                                                                                                          | Introductory purchase rateNot applicable                                                                                                                                                                                                                                                |
| Bonus pointsEarn up to 80,000 bonus Qantas Points. When you spend $7,500 on eligible purchases within the first 90 days and keep your card open for 15 months and must not have previously held a Bankwest Qantas Mastercard in the last 24 months. Other fees and T&C’s apply.\* | Bonus pointsEarn up to 100,000 bonus Qantas Points. When you spend $35,000 on eligible purchases within the first five months and keep your card open for 15 months and must not have previously held a Bankwest Qantas Mastercard in the last 24 months. Other fees and T&C’s apply.\* |

---

__Card basics and features__
| Bankwest Qantas Platinum Mastercard                                                                                        | Bankwest Qantas World Mastercard                                                                                        |
| -------------------------------------------------------------------------------------------------------------------------- | ----------------------------------------------------------------------------------------------------------------------- |
| Minimum credit limit$3,000                                                                                                 | Minimum credit limit$12,000                                                                                             |
| Interest free periodUp to 44 days                                                                                          | Interest free periodUp to 44 days                                                                                       |
| Points earned0.6 Qantas Points per $1 on the first $2,500 spent on eligible purchases per month, and 0.3 points thereafter | Points earned1 Qantas Point per $1 on the first $5,000 spent on eligible purchases per month, and 0.5 points thereafter |
| Points capEarn uncapped Qantas Points                                                                                      | Points capEarn uncapped Qantas Points                                                                                   |
| Lounge accessNot applicable                                                                                                | Lounge accessNot applicable                                                                                             |
| Eligible card as part of Complete Home Loan PackageYes                                                                     | Eligible card as part of Complete Home Loan PackageYes                                                                  |

---

__Complimentary insurance__
| Bankwest Qantas Platinum Mastercard                   | Bankwest Qantas World Mastercard                      |
| ----------------------------------------------------- | ----------------------------------------------------- |
| Complimentary overseas travel insuranceIncluded\*\*   | Complimentary overseas travel insuranceIncluded\*\*   |
| Complimentary extended warranty insuranceIncluded\*\* | Complimentary extended warranty insuranceIncluded\*\* |
| Price guarantee insuranceIncluded\*\*                 | Price guarantee insuranceIncluded\*\*                 |
| Purchase security insuranceIncluded\*\*               | Purchase security insuranceIncluded\*\*               |

---

__Rates__
| Bankwest Qantas Platinum Mastercard      | Bankwest Qantas World Mastercard         |
| ---------------------------------------- | ---------------------------------------- |
| Ongoing purchase rate19.99% p.a.         | Ongoing purchase rate19.99% p.a.         |
| Ongoing balance transfer rate19.99% p.a. | Ongoing balance transfer rate19.99% p.a. |
| Cash advance rate21.99% p.a.†            | Cash advance rate21.99% p.a.†            |

---

__Fees__
| Bankwest Qantas Platinum Mastercard                                   | Bankwest Qantas World Mastercard                                      |
| --------------------------------------------------------------------- | --------------------------------------------------------------------- |
| Annual fee$199                                                        | Annual fee$320                                                        |
| Cash advance fee3% of transaction amount or $4 (whichever is greater) | Cash advance fee3% of transaction amount or $4 (whichever is greater) |
| Foreign transaction fee0%††                                           | Foreign transaction fee0%††                                           |
| Balance transfer fee0%                                                | Balance transfer fee0%                                                |
| 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‡‡‡                     |

## Outstanding value for every trip

Our Bankwest Qantas Mastercards were awarded Canstar’s Outstanding Value Travel Credit Card in 2025.

## Uncomplicate your banking

Apply now

## Explore the rest of the line up

Zero Mastercard

### [No annual fee credit card](https://www.bankwest.com.au/credit-cards/no-annual-fee)

For everyday spending with no annual fee.  
Available in Classic or Platinum.  

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

[Learn more](https://www.bankwest.com.au/credit-cards/no-annual-fee)

Breeze Mastercard

### [Low rate credit card](https://www.bankwest.com.au/credit-cards/low-rate)

For our lowest ongoing rate.  
Available in Classic or Platinum.  

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

[Learn more](https://www.bankwest.com.au/credit-cards/low-rate)

More Mastercard

### [Rewards credit card](https://www.bankwest.com.au/credit-cards/rewards)

For earning points to redeem for digital vouchers or cashback.  
Available in Classic, Platinum or World.  

* Earn between 1.5 to 2.5 points per $1 spent
* 19.99% p.a. ongoing purchase rate
* Up to 44 days interest free

[Learn more](https://www.bankwest.com.au/credit-cards/rewards)

## 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](tel:131719) and choose ‘self-service phone banking’ or visit a [participating Bank@Post location](https://auspost.com.au/money-insurance/banking-and-paying-bills/bank-at-post) 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).

### 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](https://www.qantas.com/au/en/frequent-flyer/discover-and-join/join-now.html/code/BANKWEST), saving you $99.50.

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

Yes – this is known as a [balance transfer](https://www.bankwest.com.au/support/credit-cards/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 Qantas Mastercard?

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

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

### How do I apply for a 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](https://www.bankwest.com.au/support/account-management/identify-yourself).
* 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)](https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS%5F20210204-164337.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](https://www.bankwest.com.au/support/account-management/identify-yourself).

## 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)](https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS%5F20220227-113508.pdf) and visit [Terms and Conditions](https://www.bankwest.com.au/terms-conditions) for more information.
* Lending and eligibility criteria, fees and charges apply.
* Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.

### ^ 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](https://www.qantas.com/au/en/frequent-flyer/discover-and-join/join-now.html/code/bankwest?code=BANKWEST). Membership and the earning and redemption of points are subject to the [terms and conditions of the Qantas Frequent Flyer program](https://www.qantas.com/au/en/frequent-flyer/discover-and-join/terms-and-conditions.html). Qantas Points are earned in accordance with and subject to the [Bankwest Qantas Rewards Terms and Conditions (PDF)](https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS%5F20120629-163837.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)](https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS%5F20120629-163837.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.

### †† 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)](https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS%5F20051111-093533.pdf) further outlines how this interest free period is calculated.

### \*\* Complimentary insurance

Complimentary overseas travel insurance provides base cover only. Limitations, exclusions, and eligibility criteria apply. See the [Credit Card Insurances Product Disclosure Statement and Information Booklet (PDF)](https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS%5F20210413-162711.pdf) for details.

Coronavirus (COVID-19) Cover is available for overseas medical expenses incurred due to COVID-19\. No cover is available under any other benefit or if you are travelling on a cruise. Terms and conditions apply. For more information please refer to the [Credit Card Insurance PDS (PDF)](https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS%5F20210413-162711.pdf).

### \* 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](https://www.bankwest.com.au/terms-conditions/balance-transfer).

#### Bankwest Qantas Platinum Mastercard bonus points offer:

Earn up to 80,000 bonus Qantas Points. Offer only available to eligible new Bankwest Qantas Platinum Mastercard customers who:​

* Both apply for and open (that is, activate the card we issue for) a new Bankwest Qantas Platinum Mastercard on or after 10 June 2025.​
* Have a minimum credit limit of $3,000 for that new Bankwest Qantas Platinum Mastercard.​
* Have not held a Bankwest Qantas Mastercard account in the last 24 months.​
* Open a new Bankwest Qantas Platinum Mastercard. Offer is not available to customers who have switched from an existing Bankwest credit card to a Bankwest Qantas Platinum Mastercard.​

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

* Earn 60,000 bonus Qantas Points by spending $7,500 or more on eligible purchases within 90 days from account opening. If the minimum spend requirement is satisfied, your 60,000 bonus Qantas Points will be transferred to your Qantas Frequent Flyer account within two 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 two 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](https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS%5F20120629-163837.pdf) and Qantas Frequent Flyer program [Terms and Conditions](https://www.qantas.com/au/en/frequent-flyer/discover-and-join/terms-and-conditions.html).

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](https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS%5F20120629-163837.pdf).

#### Bankwest Qantas World Mastercard bonus points offer:

Earn up to 100,000 bonus Qantas Points. Offer only available to eligible new Bankwest Qantas World Mastercard customers who:​

* Both apply for and open (that is, activate the card we issue for) a new Bankwest Qantas World Mastercard on or after 22 November 2024.​
* Have a minimum credit limit of $12,000 for that new Bankwest Qantas World Mastercard.​
* Have not held a Bankwest Qantas Mastercard account in the last 24 months.​
* Open a new Bankwest Qantas World Mastercard. Offer is not available to customers who have switched from an existing Bankwest credit card to a Bankwest Qantas World Mastercard.​

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

* Earn 80,000 bonus Qantas Points by spending $35,000 or more on eligible purchases within five months from account opening. If the minimum spend requirement is satisfied, your 80,000 bonus Qantas Points will be transferred to your account within two 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 two 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](https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS%5F20120629-163837.pdf) and Qantas Frequent Flyer program [Terms and Conditions](https://www.qantas.com/au/en/frequent-flyer/discover-and-join/terms-and-conditions.html).

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](https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS%5F20120629-163837.pdf).

###  Classic Flight Rewards

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](https://www.qantas.com/au/en/frequent-flyer/use-points/classic-flight-rewards.html).

### ‡ 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](https://www.qantas.com/au/en/frequent-flyer/use-points/classic-upgrade-rewards/tables.html) for details.

### ‡‡ Hotels 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](https://www.qantas.com/hotels/hotels-and-airbnb-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 5,000 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. The ability to use Points Plus Pay is subject to meeting the minimum points requirement of 5,000 Qantas Points. Classic Hotel Rewards: Minimum night stays and blackout dates may apply. 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 $3,000 for the Bankwest Qantas Platinum Mastercard, $1,000 for the Bankwest More Classic Mastercard and the Breeze Classic Mastercard, and $6,000 for the Bankwest More Platinum Mastercard and Breeze Platinum Mastercard, and $12,000 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](https://www.bankwest.com.au/terms-conditions/easy-instalments). 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)](https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS%5F20070628-144347.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)](https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS%5F20070628-144347.pdf) for more information.

### \*\*\* Virtual cards

### \## 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](https://www.qantas.com/au/en/frequent-flyer/discover-and-join/terms-and-conditions.html).

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](https://www.qantas.com/au/en/frequent-flyer/use-points/classic-flight-rewards.html).

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](https://www.qantas.com/au/en/frequent-flyer/discover-and-join/terms-and-conditions.html).

Delivery charges may apply on Qantas Marketplace orders. [Visit Qantas Marketplace Terms and Conditions](https://www.qantas.com/au/en/frequent-flyer/discover-and-join/terms-and-conditions.html#qantas-marketplace-retail-rewards).

### Important documents

[Credit Card Insurances Product Disclosure Statement and Information Booklet (PDF)](https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS%5F20210413-162711.pdf)

[Credit Cards Conditions of Use (PDF)](https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS%5F20051111-093533.pdf)

[Credit Card Account Access Conditions of Use (PDF)](https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS%5F20050801-144423.pdf)

[Credit Card Key Facts Sheet (PDF)](https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS%5F20220227-113508.pdf)

[Bankwest Qantas Rewards Terms and Conditions (PDF)](https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS%5F20120629-163837.pdf)