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Bonus points: 80,000
Purchase rate: 19.99% p.a.
Reward points per $ spent: 0.6
Annual fee: $199 p.a.

Our verdict

Earn up to 80,000 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 80,000 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.

The Bankwest Qantas Platinum also offers you no foreign transaction fees for online and overseas purchases, as well as complimentary overseas travel insurance.

Pros

Up to 80,000 bonus Qantas Points offer
0% foreign transaction fees
Complimentary overseas credit card travel insurance

Cons

Relatively high ongoing annual fee of $199 p.a. and purchase rate of 19.99% p.a.
Earn rate per $1 spent is low compared to other Qantas cards

Where could you fly with Bankwest Qantas Platinum Mastercard's 80K bonus points?

Calculation is based on Classic Rewards redemptions and doesn't include carrier charges, taxes and fees.

Details

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.	Purchase rate p.a.19.99%
Interest-free days	Up to 44 days on purchases
Cash advance rate p.a.	21.99%
Min credit limit	$3,000
Card type	Mastercard

Eligibility

Available to temporary residents	No
Joint application	No

Rewards

Rewards program	Qantas Frequent Flyer
Bonus points	80,000
Rewards points per $ spent	0.6
Rewards points cap	Uncapped

Fees

Annual fee	$199
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% of transaction value or $4, whichever is greater
Overseas cash advance fee	3% of transaction value or $4, whichever is greater
Overseas ATM withdrawal fee	$0
Additional cardholder fee	$0
Number of additional cardholders	3

Congratulations, Bankwest!

The Bankwest Qantas Platinum Mastercard was highly commended for Best Travel Credit Card in the 2025 Finder Awards.

Full list of 2025 winners

How to apply

You can apply for the Bankwest Qantas Platinum Mastercard online in around 15 minutes. 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.

Age. You must be at least 18 years old.

Required documents

Personal information. You'll need to list your full name and will be asked to provide your contact details including your residential address, email address and a phone number.
Proof of identification. You'll need to provide two forms of identification. This could include your Australian driver's licence, Medicare card or passport.
Employment. This includes your length of employment and your employer's contact details.
Finances. You'll be asked to include details regarding your income, expenses and assets.
Frequent flyer number. If you're already a Qantas Frequent Flyer, you'll need to include your frequent flyer number so your points can be credited to your account.
Balance transfer details. If you're conducting a balance transfer, you'll need to provide information about the debt(s) including how much you're transferring and where from.

Card benefits

Up to 80,000 bonus Qantas Points. Earn 60,000 bonus Qantas Points when you spend $7,500 on eligible purchases within the first 90 days and another 20,000 points when you keep your account open for 15 months (up to 80,000 points). To give you an idea of the potential value of these bonus points, you could use them to redeem a return economy flight between Sydney and Honolulu (63,000 Qantas Points) or $350 worth of Woolworths digital gift cards (76,260 points for one $250 gift card and one $100 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.

0% foreign transaction fee. You can shop online or overseas and save with no foreign transaction fees. Cash advance fees will still apply if you use the card for overseas ATM withdrawals or cash-equivalent transactions.
Complimentary overseas travel insurance. As of 9 December 2019, the Bankwest Qantas Platinum card offers complimentary overseas travel insurance for up to 31 consecutive days through Cover-More. All you have to do to get the insurance is have the card open while you're travelling. If you meet the eligibility requirements, you'll be covered for overseas emergency medical & hospital expenses, baggage & personal goods, personal liability and accidental death with the option to upgrade for additional protection.
Purchase covers. Complimentary purchase security cover provides protection from loss, theft or accidental damage of your purchases made anywhere in the world for 3 months from the date of purchase, for up to $125,000 a year. The extended warranty cover adds 12 months to any Australian manufacturer's warranty that comes with your goods. The purchase price guarantee scheme allows you to claim the difference on a purchased item if you find it available at a lower price (at least $75) within three weeks of the transaction.
Mobile wallet and contactless payments. You can link this card to Google Pay, Samsung Pay and Apple Pay, available on compatible Android, Samsung and Apple devices.
Balance transfer offer. This card offers 2.99% p.a. on balance transfers for the first 9 months. Any unpaid balance left at the end of the introductory period will revert to the standard rate of 19.99% p.a.

Rates & fees

Annual fee. This card attracts an annual fee of $199 p.a.
Purchase rate. This card has a standard purchase interest rate of 19.99% p.a.

Cash advance fee and rates. If you use the Bankwest Qantas Platinum Mastercard to withdraw cash or for any other cash advance transactions, you will have to pay a fee of 3% of the transaction amount or $4 (whichever is greater). These transactions will immediately attract interest at the cash advance rate of 21.99% p.a.
Interest-free days. If you pay your closing balance, excluding any balance transfers, in full by the statement due date, you can take advantage of up to 44 interest-free days on purchases.
Minimum credit limit. The credit limit on this card starts at $3,000.
Additional cards. You are allowed up to 3 additional cardholders under one account. There is a $0 annual fee for supplementary cards.

Sources

Finder writers are subject matter experts and use primary sources, in-depth research and interviews with other experts to ensure you're getting accurate, up-to-date information. Articles are fact checked in line with our editorial guidelines.
1. Bankwest Qantas Platinum Mastercard information PDF
2. Bankwest Qantas Platinum Mastercard TMD

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Todd

August 02, 2025

I had a BankWest Platinum M/Card in my own name last year, account was closed 14 months ago. My wife has an active Platinum M/Card and I am the additional cardholder on that account.

Would I qualify for the bonus Qantas points offer given the following eligibility criteria as stated by BankWest?

“Note that this offer is only available to new Bankwest Qantas Platinum Mastercard customers”

Thanks

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Richard Whitten Finder

August 04, 2025

Hi Todd,

According to the terms and conditions the offer is available “to new Bankwest Qantas Platinum or World Mastercard customers who have not opened a Bankwest Qantas Mastercard in the last 24 months.”

I’m not sure if the specific card you had meets that criteria. I suggest contacting Bankwest directly to clarify.

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Grace

June 14, 2025

Hi sorry I swear I saw a different points earned and annual fee 2 months ago, spend $3k to earn 40000 quantas points, I just received my card a couple of weeks ago, now is the spending quriteria all different now?

Richard Whitten Finder

June 16, 2025

Hi Grace,

It’s possible the offer has changed. You should check with Bankwest to confirm. Currently it’s 80,000 bonus Qantas Points if you spend $7,500 in the first 90 days and hold the card for 15 months.

If you applied and got the card approved under a different offer, before that offer’s expiry date, you could ask Bankwest if it will honour the original offer. It never hurts to ask.

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Carmen

March 19, 2025

Hi,

Does this Complimentary Overseas Travel insurance apply to my kids travelling with me or just for me?

Thank you!

Sarah Megginson Finder

March 19, 2025

Hi Carmen,

According to your PDS, if you meet all of the eligibility criteria, then your spouse and/ or accompanied child/children are automatically eligible for Complimentary Overseas Travel Insurance as long as each of them travels with you on the same itinerary for the entire journey.

Hope this helps!

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Linda

August 29, 2024

Do you get complimentary qantas lounge passes with this card.

Angus Kidman Finder

September 15, 2024

Hi Linda, This card doesn’t include any Qantas lounge passes. If you’re looking for a card that offers that feature, we have a detailed comparison of cards with lounge access. Hope this helps!

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Lamia Kamal

April 12, 2024

Hello,

Whats the income range to apply for this card?

Angus Kidman Finder

September 23, 2024

Hi Lamia, Bankwest’s Target Market Determination (TMD) for this product doesn’t list a specific income range, but says that cardholders would typically apply for a credit limit above $3,000, would be comfortable paying higher fees and rates and wouldn’t expect to carry a balance for an extended period. Hope that helps.

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Bankwest Qantas Platinum Mastercard

Pros

Cons

Where could you fly with Bankwest Qantas Platinum Mastercard's 80K bonus points?

Congratulations, Bankwest!

How to apply

Eligibility criteria

Required documents

Card benefits

Rates & fees

Sources

Sources

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