Bankwest Qantas MasterCard

My monthly spend: 
$5,000
 
Offer
Card features
Rewards program
Earn rate
Sign up bonus
Points earned
Earn up to 0.5 pts per $1 spent^ on eligible purchases.
2.99% p.a. on balance transfers for 9 months.
Free worldwide emergency card replacement.
Add to comparison
Qantas Frequent Flyer
Qantas Frequent Flyer
0.5 pts
per $1 spent^
-

Pros & cons

What's good?

What's not so good?

Earn up to 0.5 pts per $1 spent^ on eligible purchases.
2.99% p.a. on balance transfers for 9 months.
Worldwide emergency card replacement.
Up to 44 days on purchases.
Up to 3 additional cardholders for free.
Bankwest has organised for new cardholders to have the Qantas Frequent Flyer membership joining fee to be waived, saving you $82.50.
The annual fee of $100 p.a.
No travel insurances.

User reviews

4.6 out of 5.0 based on 3 reviews100% of reviewers would recommend this card

Rates and fees
Rewards
Customer service
Convenience
Trust

Reviews from users

Extremely happy with this credit card

Reviewed and recommended by Gary on 01 Jul 2016

I have been a customer of Bankwest for almost a year now and could not be more impressed. Whenever I visit a branch, the staff are always willing to offer their assistance and are very prompt to get what I need done. The features and benefits of this credit card far surpass that of other credit cards in its class. One of the best things I like about it is the fact that I am a Qantas Frequent Flyer member. Being able to benefit from QFF points as well as using my credit card is why I continue my business.

Simple, straightforward card

Reviewed and recommended by Bill on 01 Oct 2016

I have never had any trouble with this card, and when you want to dispute a payment, or get a return for goods or services not being what they should be, the process is reasonably good.

There are no fees, no interest and no rewards. It’s a simple, straightforward card and you know what you’re getting.

I earn good flybuys points

Reviewed and recommended by Anon on 20 Jun 2015

I changed from my previous card because it was of no benefit and with this card I at least earn points as I use it nearly every day, can use it everywhere, and because it has PayPass it’s really easy to use. I like the colour of the card – it makes it easy to see in my wallet.

Disclaimer: The opinions expressed about credit cards are the reviewer's alone, and do not reflect the views of Credit Card Compare or the credit card issuer. Reviews have not been approved or otherwise endorsed by Credit Card Compare.

The basics

About this card

Card setup
Single
Card tier
Standard
Card type
MasterCard
Card use
Personal
Credit rating
N/A
Gambling transactions allowed
No
Joint application
No
Minimum age
18 years old
Minimum income
N/A
Minimum income for pensioners
$Same as standard
Pensioners
Rewards program
Qantas Frequent Flyer
Temporary residents
Yes

Cardholders

Additional cardholders
3
Additional card fee
$0 p.a.

Credit limits

Minimum credit limit
$1,000
Maximum credit limit
$25,000

Repayments

Interest charged from
Purchase date
Interest free period
Up to 44 days on purchases
Minimum repayment
2%

Balance transfers

The offer

Interest ratePeriodFeeLimitRevert rate
Balance transfers2.99% p.a.9 months0%95% of credit limit20.49% p.a.

Balance transfers to this card

Balance transfer earns rewards
No
Balance transfer fee payment due
First statement
Balance transfer from personal loan
No
Balance transfer processing time
10 - 14 days
Interest free days with unpaid balance
0 days
Maximum balance transfer
95% of credit limit
Available to existing customers
No

Banks you can't balance transfer from

You can't balance transfer to the Bankwest Qantas MasterCard at the promotional balance transfer rate from:

  • Aussie
  • Bankwest
  • Commonwealth Bank

Rates & fees

Promotional interest rates

Interest ratePeriodFeeLimitRevert rate
Balance transfers2.99% p.a.9 months0%95% of credit limit 20.49% p.a.
PurchasesN/AN/AN/AN/A N/A

Ongoing interest rates

MonthlyAnnually
Cash advances 1.83% 21.99% p.a.
Purchases 1.71% 20.49% p.a.

Fees

Annual fee
$100 p.a.
Cash advance fee
2%
Dishonour fee
$10
Duplicate statement fee
$7.50
Foreign exchange fee
2.95%
Late payment fee
$25
Over limit fee
$30
Overseas ATM balance fee
$0
Overseas ATM withdrawal fee
$4
Overseas emergency card replacement fee
$0
Transaction verification fee
$12

Rewards & points

Cool stuff you can get with your points

Disclaimer: Does not include taxes, fees, or charges. Accurate as of 25th January 2016.

Rewards program basics

First purchase bonus
N/A
Reward points expiry
No expiry as long as you keep your account active (earn or redeem points within a 18 month period)
Rewards program
Qantas Frequent Flyer
Sign up bonus
N/A
Spend required for bonus points
N/A

Earning points with this card

Frequent flyer points
0.5 pts per $1 spent^
Overseas earn rate
Same as standard earn rate
Points cap per month
N/A
Points cap per year
50,000
Points earned on ATO payments
N/A
Reward points
0.5 pts per $1 spent

Additional benefits

Airport lounge access
No
Complimentary flight voucher
No
Concierge service
N/A

Benefits

This card comes with benefits worth an estimated $18

TravelEstimated value
Waived Qantas Frequent Flyer joining fee
Valuation based on $89.50 Qantas Frequent Flyer joining fee spread over 5 years.
$18
Total estimated value$18
Annual fee$100
Net customer value$-82
Disclaimer: Details of who, what, and where coverage applies to, as well as its duration and any coverage limitations will be listed in the credit card insurance product disclosure statement (PDS) on the card issuer's website. The names/labels of complimentary insurance products may differ from one issuer to another. Terms and conditions apply. Always check the insurance PDS when considering a financial product. Accurate as of 31st October 2015.

Minimum criteria for this card

What you need before applying

Be over 18 years old
You are a resident or citizen of Australia
You have your personal details ready to complete the online application
Have not applied for multiple credit cards recently
Joint applications are not allowed
Temporary residents are eligible
Age Pension is acceptable.
Disability Pension, Overseas Pension, Veteran's Pension and Widower's Pension are not acceptable.
Income from pensions is not allowed
Disclaimer: The minimum criteria pointers are intended only to be a guide. Your application may still be rejected by the bank even if you can answer 'Yes' to all the minimum criteria. The final decision regarding your application is up to the bank.

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