In this guide

  • Our verdict
  • Details
    • Product details
    • Eligibility
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates & fees
  • Your reviews
  • Ask a question
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Bankwest Qantas Platinum Mastercard

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Bankwest Qantas Platinum Mastercard
Terms and conditions apply
Balance transfer rate for 9 months with no balance transfer fee
2.99% p.a.
Bonus points
Purchase rate
19.99% p.a.
Reward points per $ spent

Our verdict

Earn up to 50,000 bonus Qantas Points with a new Bankwest Qantas Platinum Mastercard.

The Bankwest Qantas Platinum Mastercard rewards your eligible spending with 0.6 Qantas Points per $1 spent up to $2,500 per month. After that, you'll earn 0.3 points per $1 spent, uncapped. It also offers up to 50,000 bonus points to new cardholders. Both the earn rates and bonus points are not the most competitive options on the market, but most cards that offer more Qantas Points also charge higher annual fees.


  • Up to 50,000 bonus Qantas Points offer
  • 0% foreign transaction fees
  • Complimentary overseas credit card travel insurance


  • Relatively high ongoing annual fee of $160 p.a. and purchase rate of 19.99% p.a.
  • Earn rate per $1 spent is low compared to other Qantas cards

In this guide

  • Our verdict
  • Details
    • Product details
    • Eligibility
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates & fees
  • Your reviews
  • Ask a question

The Bankwest Qantas Platinum Mastercard gives you a way to earn Qantas Points on your everyday credit card spending. It also offers up to 50,000 bonus Qantas Points when you spend $3,000 in the first 90 days from card approval (40,000 points when you keep your account open in 3 months and 10,000 points in the 15th month). While Bankwest has not listed an end date, this promotion is only available for a limited time.


Product details

Product Name Bankwest Qantas Platinum Mastercard
Balance transfer rate p.a. 2.99% for 9 months, then 19.99%
Balance transfer limit 95% of available limit
Purchase rate p.a. 19.99%
Interest-free period Up to 44 days on purchases
Cash advance rate p.a. 21.99%
Min credit limit $3,000
Card type Mastercard


Available to temporary residents No
Joint application No


Rewards program Qantas Frequent Flyer
Bonus points 50,000
Rewards points per $ spent 0.6
Rewards points cap Uncapped


Annual fee $160
Minimum monthly repayment 2% of the closing balance or $20, whichever is greater
Late payment fee $25
Foreign currency conversion fee 0%
Cash advance fee 3% or $4, whichever is greater
Overseas cash advance fee 3% or $4, whichever is greater
Overseas ATM withdrawal fee $0
Additional cardholder fee $0
Number of additional cardholders 3

How to apply

You can apply for the Bankwest Qantas Platinum Mastercard online in around 10 minutes and receive a response instantly. Before you get started, make sure you meet the eligibility requirements and have the necessary information ready to complete the application.

Eligibility criteria

  • Eligible balance transfer. If you plan to take advantage of the balance transfer offer, you can transfer from $500 up to 95% of your credit limit from cards not issued by Bankwest.
  • Residency. You must be a permanent Australian resident or citizen in order to apply online.

Card benefits

  • Up to 50,000 bonus Qantas Points. Earn up to 50,000 bonus Qantas Points when you spend $3,000 on eligible purchases within the first 90 days (if you keep your account open for 3 months, you will receive 40,000 points and another 10,000 points in the 15th month). To give you an idea of the potential value of these bonus points, you could use them to redeem a return economy flight for two between Sydney and Adelaide (48,000 Qantas Points) or $225 worth of Woolworths digital gift cards (46,680 points for two $100 gift cards and one $25 gift card). Note that this offer is only available to new Bankwest Qantas Platinum Mastercard customers. To be eligible, you need to apply during the promotional period.
  • Qantas Points per $1 spent. You'll earn 0.6 Qantas Points per $1 spent on eligible purchases, up to $2,500 per month and 0.3 points per $1 spent thereafter. Please note that you won't earn points on balance transfers. If you're not already a Qantas Frequent Flyer, the $99.50 membership fee is waived if you join while applying for this card.

Rates & fees

  • Annual fee. This card attracts an annual fee of $160 p.a.
  • Purchase rate. This card has a standard purchase interest rate of 19.99% p.a.

Your reviews

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March 10, 2024

Hi, I’m trying to find the details on eligible purchases.

I want to take my card to California. The 0% foreign transaction fee is a key feature but possibly not worth it if what I in supermarkets, restaurants and fuel etc is not considered eligible. Can you direct me please?

Thank you

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Elizabeth Barry Finder

March 26, 2024

Hi Dianne,

Eligible purchases are all purchases made on the card except for the following:

– Cash advances

– Balance Transfers

– Interest charges

– Credit fees and charges

– Bank fees and charges

– Transactions Bankwest decide are disputed due to being fraudulent or which involve an abuse of your card

– 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 goods and services on which you earn Qantas Points)

– Credit card protection insurance

– Business Related Expenses

– Any other transactions the bank “reasonably determine from time to time should be excluded”

This list comes from the terms and conditions PDF for the credit card which you can find here.

Hope this helps,


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September 19, 2023

is the annual fee including the annual qantas rewards program fee?


Amy Bradney-George Finder

September 21, 2023

Hi Angela,

This card doesn’t have an annual Qantas Rewards Program Fee. So the annual fee listed is what you’d pay for the account each year. I hope this helps.


Irene Burgess

August 04, 2023


How is the maximum credit limit determined? and what is the maximum credit limit if there is one?




Amy Bradney-George Finder

August 04, 2023

Hi Irene,

The credit limit is determined based on details provided when you apply for a credit card, including your income, expenses and credit report/score. All lenders in Australia have to assess the applicant’s ability to repay the total credit limit, with interest, over a 3-year period as part of Australia’s responsible lending requirements. Bankwest doesn’t list a specific maximum limit available for this card but Finder does have a guide about how to estimate or calculate a credit limit that may be suitable for you. I hope this helps.

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September 27, 2019


Will I receive Qantas FF points when paying utilities such as electricity, water, gas, council rates and Foxtel with my Qantas platinum credit card?




Jeni Finder

September 28, 2019

Hi John,

Thank you for getting in touch with Finder.

You may earn QFF points on paying utilities with your Bankwest Qantas Platinum Mastercard so long that you’re not processing the payment via BPay. BPAY payments like bill payments and other payments made through the BPAY are exmpeted to earn Qantas Frequent Flyer points.

I hope this helps.

Thank you and have a wonderful day!



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james Cairns

March 15, 2018

When buying a return overs airline tick, can the costs of the required minimum of $500 using the bankwest qantas platinum card be shared using another non bank west card?


Nikki Angco

March 22, 2018

Hi James!

Thanks for your message.

Since the minimum cost is under the terms and conditions of Bankwest Qantas Platinum card, the cost cannot be shared by a non-Bankwest card.

Hope this helps!

Best regards,


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