Bankwest Qantas Platinum Mastercard

Name: Bankwest Qantas Platinum Mastercard
Brand: Bankwest
Rating: 4 (4 reviews)

4 reviews

Data last updated 20 July 2026

19.99%

Purchase rate

$199

Annual fee

80,000

Bonus points

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Bankwest Qantas Platinum Mastercard card

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CardIQ

50Fair

Fair

Overall score, out of 100 · How this works

Balance transfer51
Frequent flyer42
No foreign fee65
Qantas Points42
Rewards40
Sign-up bonus56
Travel54

Customer reviews

4.0

Based on 4 reviews

Reviewers praised fees, rewards and customer service.

MarkRecommends

Good rewards for a non-AmEx card, dispute problems

The benefits of travel insurance and no overseas transaction fees are also a plus. As with all non-American Express cards, the points earning rate is not great, but better than nothing if you pay the card off in full. The circa 20-day repayment period is also very short, so be…

YvetteRecommends

Great for travelling

I originally got this card for the 'no foreign transaction fees’, which is great, but since they have reduced the interest-free days and also the amount of QFF points redeemed, i am considering a change. Love the customer service — always very helpful and convenient, as it is a…

RobertRecommends

Great for overseas trips

The Bankwest Platinum Qantas card is great for overseas trips and purchasing goods and services online from overseas as there are no foreign transaction fees. At $150 p.a. it also comes with travel insurance and is linked to my Qantas Frequent Flyer account. I received 50,000…

KrytheRecommends

Best Qantas FF rewards card

It’s a MasterCard, so it is accepted in more places than Amex, and it has no international transaction fees, which is great for online shopping and going overseas. This makes it well worth the price for the moderate spender who wants a Qantas FF card (if you want it cheaper,…

Pros & cons

What's good

80,000 bonus Qantas Points to start, worth around $960 at our 1.2c-per-point valuation.
Complimentary travel insurance.
No foreign transaction fee on overseas or online spending.
No fee to add an additional cardholder.

Worth noting

The $199 annual fee is toward the top of the market (the median is $70).
The 19.99% p.a. purchase rate sits above the 18.99% p.a. median if you carry a balance.
Earns 0.6 points per $1 on everyday spend, below the dataset average.
The 0.6-point rate on everyday spend applies only to the first $2,500 spent each month, then drops to 0.3 points per $1.

Card details

The basics

Additional cardholder fee: $0 p.a.
Card tier: Platinum
Card type: Mastercard
Card use: Personal
Credit limit: $3,000 – $100,000
Credit rating: Good
Rewards program: Qantas Frequent Flyer

Eligibility

Instant approval: Yes (response in ~60 seconds)
Joint application: No
Minimum age: 18 years old
Minimum income: Not specified
Residency: Australian citizen or permanent resident
Temporary residents: Not eligible

Rates & fees

Ongoing interest rates

Cash advances: 21.99% p.a.
Purchases: 19.99% p.a.

Fees

Additional cardholder fee: $0
Annual fee: $199 p.a.
Cash advance fee: 3% of the amount
Foreign transaction fee: 0%
Late payment fee: $25

Repayments

Interest-free period: Up to 44 days on purchases
Minimum repayment: 2% of the closing balance or $20, whichever is greater

Balance transfers

Can't transfer from: Bankwest, Commonwealth Bank
Limit: Up to your available credit limit
Period: 9 months
Promotional rate: 2.99% p.a.
Revert rate: 19.99% p.a.
Transfer fee: 0%

While you carry a transferred balance you may not receive interest-free days on new purchases.

Introductory purchase offer

This card has no introductory purchase rate offer. If you're carrying a balance or planning a big spend, compare 0% purchase cards.

Rewards

Earn rate

Everyday spend: 0.6 pts per $1 up to $2,500 per month
Bonus categories: None
Other purchases: None
Overseas spend: None
ATO/government: None
Reduced rate above monthly cap: 0.3 pts per $1 above $2,500 per month
Points cap: Uncapped
Points expiry: Points don't expire while your account is open and in order.

Sign-up bonus

Bonus spend required: —
Sign-up bonus: 80,000 points

Where these points could take you

Flights you could book with the sign-up bonus plus a year of spending $3,000 a month on this card. One-way from Sydney or Melbourne, one adult, before taxes and carrier charges. Award prices and seat availability change.

Complimentary insurance

Cover has conditions and exclusions, which are set out in the issuer's PDS. A missing row means we haven't captured that figure, not that the cover is absent.

Overseas travel

Activation: Prepay part of the trip on the card
Age limit: 79 years
Cover limit: Unlimited
Excess: $250
Maximum trip length: 31 days
Not covered: Pre-existing conditions, unless the insurer agrees in writing

Where this card sits vs similar cards

Compared with every other personal credit card we list that has the feature. The further right the dot, the better this card does.

FeatureThis cardWhere it ranks

Overseas feeNo feeTied for best (1st of 200 cards)

Purchase rate19.99%Middle of the market (97th of 196 cards)

Sign-up bonus$960Middle of the market (31st of 59 cards)

Rewards value$238 a yearMiddle of the market (53rd of 95 cards)

Interest-free days44 daysNot as good as most cards (141st of 192 cards)

Annual fee$199 a yearNot as good as most cards (151st of 200 cards)

Data as at August 2026. Rates change often, so check the issuer's terms. Factual information, not a recommendation.

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Questions and answers

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Sources

Credit Card Compare: Australian credit card statisticsHow CardIQ scores cards
Government: Product reference data (Consumer Data Right)
Issuer: Bankwest
Program: Qantas Frequent Flyer