Bankwest Qantas Mastercard

20.49% p.a.

2.99% p.a. for 9 months and then 20.49% p.a.

$100

Qantas Frequent Flyer

Bankwest Qantas Mastercard

20.49% p.a.

2.99% p.a. for 9 months and then 20.49% p.a.

$100

Qantas Frequent Flyer

Mozo Review   Bankwest Qantas Mastercard Review

Last updated: 23 August 2018.

What's hot:
  • No Qantas Frequent Flyer membership fee

  • Free additional cardholders

What's not:
  • $25 late payment fee

  • Qantas Points capped at 50,000 per year

Mozo snapshot:

If you’re looking for a credit card that won’t require you to fork out hundreds of dollars in annual fees for the privilege of racking up rewards points, the Qantas MasterCard by Bankwest does not disappoint. That’s of course provided you pay your bills in full and on time, otherwise this may outweigh the benefits for you.

Key features:

Bankwest’s Qantas MasterCard strikes a nice balance between the overheads you pay, versus the rewards opportunities you receive in return. For instance, if you’re not already a Qantas Frequent Flyer member, Bankwest will waive the joining fee (which is normally $89.80).

When it comes to accruing Qantas Points, each time you purchase with your card every dollar spent will earn you 0.5 points. Those precious points are funneled into your Qantas Frequent Flyer account (60 days after your card is issued and once you have spent at least $1,500) which you can then use to redeem on just about anything with Qantas.

The Bankwest Qantas MasterCard has room for two additional cardholders, so you can build up points together with your nearest and dearest. Just remember, because your points balance can’t exceed 50,000 points, you may need to redeem rewards with Qantas more often.

Feel free to take your card overseas with you too but keep in mind that a foreign exchange margin of 2.95% applies to all transactions you make in other currencies.

Who it's good for:

This card would be suitable for those who splurge on purchases now and then (and like getting rewarded for it), while at the same time can pay their credit card bills in full and by the due date.

Any catches?

Watch out for the steep $25 late fee that kicks in if you don’t pay your dues on time.

Rewards program details

Rates and fees information correct as at 20 October 2018.

What your points get you

Fly Sydney to London

120,000 points

Fly Sydney to Melbourne

8,000 points

$100 Giftcard

16,160 points

$100 Cash

-

Points earning

0.5 points per dollar on Mastercard, up to 50000 points per year

Rewards scheme

Points are automatically credited to the Qantas Frequent Flyer program.

All rewards are redeemed via Qantas Frequent Flyer.

See Bankwest site for full Terms and Conditions.

Value of rewards points

Spend $32,320 (Mastercard)

Spend $16,000 (Mastercard)

Spend $240,000 (Mastercard)

at 50,000 points yearly

Never

How do we calculate the rewards?

To work out the "Rewards value minus fees" in our Rewards Revealer we:

  • calculate how many points you'd get each year,

  • figure out how many flights or gift cards or cashback credits you could get for those points,

  • work out what that's actually worth to you,

  • take off the annual fee you'd pay.

More details:

  • Our calculations are designed to help you compare the value of different rewards schemes. To do this, we've looked at earning a one-way Sydney-Melbourne flight excluding taxes and charges, a return Sydney-London flight excluding taxes and charges, a $100 shopping Gift Card and $100 cashback. Most cards will also offer other rewards, which may be worth more or less than the ones we've shown.

  • We have made no allowance for bonus points for using your card at specific merchants, introductory offers or special offers. We have not assigned any value to instant discounts, insurances, ticketing and concierge services or other such benefits.

  • Rewards value calculations do not take credit card interest into account. If you do not pay off your card each month you may be better off looking for a card based on interest rates than on the value of rewards.

  • In products that have more than one card, a different mix of spend between American Express / Visa / Mastercard will give different results. Mozo's Rewards Revealer lets you choose the mix based on the way you would use such a product, and gives you tailored results.

  • We assume flights purchased with airline points are 'classic' or 'reward' economy seats with restricted seat availability. 'Any seat' rewards will probably cost more.

  • To compare the value of flight rewards, we sample online retail flight prices once a quarter based on the average price on a Wednesday 3 months in advance but outside NSW school holidays. For domestic flights we take the lowest available fare from each flight on that day from Qantas Red e-deal, Virgin Australia Saver including baggage and Jetstar Starter including baggage. We calculate the average price excluding taxes and surcharges for each airline, and also the average across all airlines (which we use when rewards are travel agent vouchers). For international flights, we take the lowest available fares on that same Wednesday from each of Qantas, Emirates, Malaysian, Etihad, Singapore, Cathay Pacific and Thai, assuming a return flight 2 weeks later, calculate the average price before taxes and surcharges and use this as our assumed cost of a flight on any airline.

  • Shopping rewards are based on $100 gift cards from a major national department store.

  • We make every effort to ensure our calculations are correct and up to date but make no guarantees.

Close

Rate and fee details

Rates
  • 20.49% p.a.

  • none

  • 2.99% p.a. for 9 months and then 20.49% p.a.

  • no

  • 21.99% p.a.

  • 44

Fees
  • $100.00

  • none

  • none

  • none

  • $25.00

  • 2%, Min $4.00

  • 2.95%

  • $7.50

  • $12.00

  • $0.00

Features
  • $20.00

  • 2.0

  • 3

  • none

Payment options

Google Pay, Payment Ring

Customer Reviews

How are Bankwest credit cards rated by the Mozo community?

Overall customer rating
7.4/10
Price
6.9/10
Features
6.2/10
Customer service
7.4/10
Convenience
7.5/10
Trust
7.4/10

Latest reviews of Bankwest Qantas Mastercard

  • Overall
    4/10
    Good

    Good bank

    Good bank

    Price
    5/10
    Features
    5/10
    Customer service
    7/10
    Convenience
    8/10
    Trust
    7/10

    Nhi | Western Australia

    reviewed over 2 years ago

  • Overall
    7/10
    Competitive

    Easy.

    Easy.

    Price
    6/10
    Features
    6/10
    Customer service
    6/10
    Convenience
    7/10
    Trust
    7/10

    Joel | Western Australia

    reviewed about 3 years ago

  • Overall
    10/10
    Excellent products and fantastic service

    I personally have been with Bankwest for as long as I have had a bank account (about 17 yrs). I...

    I personally have been with Bankwest for as long as I have had a bank account (about 17 yrs). I have always found them to be helpful either in-store or on the phone they also have a great online banking that is so easy to navigate. I have 3 accounts with them and wouldn't consider going to another bank as they have alway shown me a better way of banking. Their Qantas credit card if fantastic not only are there fees low with great interest-free periods I have racked up so many qantas point since I started using my card and can now get a one way free flight in Australia. I would definitely recommend Bankwest to anyone looking for good service and excellent quality.

    Price
    8/10
    Features
    9/10
    Customer service
    10/10
    Convenience
    10/10
    Trust
    9/10

    Natalie | Western Australia

    reviewed over 3 years ago

  • Overall
    9/10
    Great Customer Service

    I like this bank because it gives a lot of flexible options, and I just love the customer service...

    I like this bank because it gives a lot of flexible options, and I just love the customer service they provide, great bank. They always provided the right information and they are 100% reliable.

    Price
    8/10
    Features
    10/10
    Customer service
    10/10
    Convenience
    6/10
    Trust
    10/10

    Dimiana | New South Wales

    reviewed almost 4 years ago

  • Overall
    10/10
    Top bank with the best, friendly staff

    Best bank, best service, best friendly staff I have experienced in my 55 years of banking.

    Best bank, best service, best friendly staff I have experienced in my 55 years of banking.

    Price
    8/10
    Features
    8/10
    Customer service
    10/10
    Convenience
    10/10
    Trust
    10/10

    Pauline | Western Australia

    reviewed almost 4 years ago

Bankwest

About Bankwest

Bankwest is the bank best known for Making Banking Easier, an initiative which aims to make banking a more positive experience. Originally from Western Australia, Bankwest has attracted thousands of customers around the country with its competitively priced products such as the Hero Saver. In late 2008 the bank was bought by the Commonwealth Bank, who have promised to retain the Bankwest brand. So if you like the sound of Making Banking Easier, check out Bankwest's range of personal banking products including savings accounts, bank accounts, credit cards, home loans and more.

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