Bankwest Qantas World Mastercard

Name: Bankwest Qantas World Mastercard
Brand: Bankwest
Rating: 4.9 (1 reviews)

1 review

Data last updated 20 July 2026

19.99%

Purchase rate

$320

Annual fee

100,000

Bonus points

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CardIQ

50Fair

Fair

Overall score, out of 100 · How this works

Balance transfer48
Frequent flyer45
No foreign fee57
Qantas Points45
Rewards41
Sign-up bonus59
Travel52

Customer reviews

4.9

Based on 1 review

Bek_emRecommends

A great product with perfect service

Bankwest are great to deal with and the customer service is perfect. Qantas points have accumulated steadily and they offer a wide range of products available to redeem points. Items are sent and received quickly. The interest rate is competitive and low enough to maintain, as…

Pros & cons

What's good

100,000 bonus Qantas Points to start, worth around $1,200 at our 1.2c-per-point valuation.
No foreign transaction fee on overseas or online spending.
No fee to add an additional cardholder.

Worth noting

The $320 annual fee is high for a Standard card, where the typical fee is about $50.
The 19.99% p.a. purchase rate sits above the 18.99% p.a. median if you carry a balance.
Earns 1 point per $1 on everyday spend, around the dataset average.
The 1-point rate on everyday spend applies only to the first $5,000 spent each month, then drops to 0.5 points per $1.

Card details

The basics

Additional cardholder fee: $0 p.a.
Card tier: Standard
Card type: Mastercard
Card use: Personal
Credit limit: $12,000 – $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: $320 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: 1 pt per $1 up to $5,000 per month
Bonus categories: None
Other purchases: None
Overseas spend: None
ATO/government: None
Reduced rate above monthly cap: 0.5 pts per $1 above $5,000 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: 100,000 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.

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)

Rewards value$432 a yearTop 25% (13th of 95 cards)

Sign-up bonus$1,200Better than most (16th of 59 cards)

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

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

Annual fee$320 a yearAmong the most expensive (178th 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