Bankwest

Compare Bankwest credit cards, offering competitive low rates and introductory deals, available to applicants Australia-wide.

Bankwest credit cards

Bankwest Breeze Mastercard

On Bankwest's website

Balance transfer

24 months at 0% p.a.

Purchase rate

12.99% p.a. ongoing

Interest-free days

55 days

Annual fee

$49.00 p.a. ongoing

Details

  • Get 0% p.a. interest on balance transfers for 24 months, with a 3% balance transfer fee (then 12.99% p.a. thereafter).
  • An annual fee of $49 p.a., making it an affordable option.
  • Add up to 3 additional cardholders at no extra cost.

Pros & cons

Pros
  • 0% p.a. on balance transfers for 24 months.
  • Low ongoing interest rate of 12.99% p.a. on purchases.
  • Up to 55 interest-free days on purchases.
  • As low as a $1,000 credit limit.
  • Temporarily lock your card anytime using the Bankwest App.
  • Easy Instalment Plans let you spread up to 5 purchases over four monthly payments at 0% p.a.
  • Compatible with Apple Pay, Google Pay and Samsung Pay.
Cons
  • No rewards program on this card.
  • The 3% BT fee.
  • There is a 2.95% foreign transaction fee.
Bankwest Breeze Platinum Mastercard

On Bankwest's website

Balance transfer

24 months at 0% p.a.

Purchase rate

12.99% p.a. ongoing

Interest-free days

55 days

Annual fee

$59.00 p.a. ongoing

Details

  • Get 0% p.a. interest on balance transfers for 24 months, with a 3% balance transfer fee (then 12.99% p.a. thereafter).
  • No foreign transaction fees.
  • Plus, complimentary overseas travel insurance for you and your family.

Pros & cons

Pros
  • 0% p.a. on balance transfers for 24 months.
  • Low ongoing interest rate of 12.99% p.a. on purchases.
  • Low annual fee of $59 p.a.
  • Add up to 3 additional cardholders at no extra cost.
  • Up to 55 interest-free days on purchases.
  • As low as a $6,000 credit limit.
  • Temporarily lock your card anytime using the Bankwest App.
  • Easy Instalment Plans let you spread up to 5 purchases over four monthly payments at 0% p.a.
  • Compatible with Apple Pay, Google Pay and Samsung Pay.
Cons
  • No rewards program on this card.
  • There is a 3% BT fee.
  • Cash advance rate is 21.99% p.a.
Bankwest Zero Mastercard

On Bankwest's website

Balance transfer

6 months at 0% p.a.

Purchase rate

6 months at 0% p.a.

Interest-free days

55 days

Annual fee

$0.00 p.a. ongoing

Details

  • No annual fee for the life of the card.
  • 0% p.a. for 6 months on purchases and transferred balances (with a 3% balance transfer fee). Returns to 18.99% p.a. thereafter.
  • Add up to 3 additional cardholders at no extra cost.

Pros & cons

Pros
  • The introductory balance transfer and purchase offers.
  • 18.99% p.a. interest rate on purchases is relatively low.
  • Up to 55 days interest-free on purchases.
  • As low as a $6,000 credit limit.
  • Temporarily lock your card anytime using the Bankwest App.
  • Easy Instalment Plans let you spread up to 5 purchases over four monthly payments at 0% p.a.
  • Compatible with Apple Pay, Google Pay, and Samsung Pay.

Cons
  • Balance transfers incur a 3% one-off fee.
  • You cannot earn credit card points on this card.
Bankwest Zero Platinum Mastercard

On Bankwest's website

Balance transfer

6 months at 0% p.a.

Purchase rate

6 months at 0% p.a.

Interest-free days

55 days

Annual fee

$0.00 p.a. ongoing

Details

  • 0% p.a. for 6 months on purchases and balance transfers, with a 3% balance transfer fee. (Reverts to 18.99% p.a. thereafter.)
  • No foreign transaction fees, including when you're shopping at an overseas online store.
  • No annual fee to pay for the life of the card.
  • Put up to five eligible purchases on an interest-free payment plan with Easy Instalments.
  • Credit limits start from a minimum of $6,000.

Pros & cons

Pros
  • No annual fee makes this an option for occasional or backup use.
  • Interest-free purchases and balance transfers for 6 months.
  • No foreign transaction fees for foreign currency or overseas purchases.
  • Interest-free repayments for up to five eligible purchases with Easy Instalments.
  • Credit limits start from a minimum of $6,000.
  • Up to 55 days interest-free when you pay the statement balance in full.
  • Balance transfers revert to the purchase rate instead of the higher cash advance rate.
  • Use up to 95% of your credit limit for balance transfers.
Cons
  • There is a 3% fee on balance transfers, which can be added to the balance if desired.
  • You can't earn rewards points, but that's not unusual for a no annual fee card like this.
  • There is a $500 minimum balance transfer amount, although most people transfer more.
Bankwest Qantas World Mastercard

On Bankwest's website

Balance transfer

9 months at 2.99% p.a.

Purchase rate

19.99% p.a. ongoing

Interest-free days

44 days

Annual fee

$270.00 p.a. ongoing

Details

  • Earn 1 Qantas Point for every $1 spent, up to $5,000 each month. After that, earn 0.5 points per $1.
  • Uncapped Qantas Points earning potential.
  • Get complimentary overseas travel insurance for you and your family when you book your flight with this card.

Pros & cons

Pros
  • Includes extended warranty insurance and purchase security insurance (Conditions apply).
  • No fees on overseas and online transactions.
  • 2.99% p.a. balance transfer rate with no BT fee for the first 9 months.
  • Save $99.50 with a complimentary Qantas Frequent Flyer membership included with this card.
  • Easy Instalment Plans are available at 0%.
  • Compatible with Apple Pay, Google Pay, and Samsung Pay.
Cons
  • An annual fee of $270 per year.
  • No lounge pass included.
  • You must meet the criteria for the minimum credit limit of $12,000.
  • Only up to 44 interest-free days on purchases.
Bankwest Qantas Platinum Mastercard

On Bankwest's website

Balance transfer

N/A

Purchase rate

19.99% p.a. ongoing

Interest-free days

44 days

Annual fee

$160.00 p.a. ongoing

Details

  • Get up to 50,000 Qantas Bonus Points when you spend $3,000 on eligible purchases in the first 90 days and keep your card open for over 15 months. Limited time. New customers only, other fees, T&Cs apply.
  • Earn 0.60 points per $1 on your first $2,500 spent on eligible purchases per month, then 0.3 points per $1 thereafter.
  • Get complimentary overseas travel insurance for you and your family when you book your flight with this card
  • No foreign transaction fees on online or overseas purchases.

Pros & cons

Pros
  • Earn 50,000 bonus Qantas Points when you meet the eligibility criteria.
  • Includes extended warranty insurance and purchase security insurance (Conditions apply).
  • Uncapped Qantas Points earning potential.
  • Save $99.50 with a complimentary Qantas Frequent Flyer membership included with this card.
  • 2.99% p.a. balance transfer rate with no BT fee for the first 9 months.
  • Add up to 3 additional cards for free.
  • Easy Instalment Plans are available at 0%.
  • Compatible with Apple Pay, Google Pay, and Samsung Pay.
Cons
  • Other rewards cards offer a higher points earn rate.
  • No waiver on the annual fee of $160 per year.
  • The cash advance rate is 21.99% p.a.
  • Only up to 44 interest free days on purchases.
Bankwest More Mastercard

On Bankwest's website

Balance transfer

6 months at 0% p.a.

Purchase rate

19.99% p.a. ongoing

Interest-free days

44 days

Annual fee

$100.00 p.a. ongoing

Details

  • Earn up to 1.5 points per $1 spent on eligible purchases.
  • 0% p.a. on balance transfers for 6 months, with a 1% transfer fee. After that, it reverts to 19.99% p.a.
  • Add up to 3 additional cards at no extra cost.

Pros & cons

Pros
  • You can earn up to 150,000 More Rewards points per year on this card.
  • An affordable $100 p.a. annual fee.
  • Redeem points for Webjet flights, hotels, and more.
  • Get up to 44 interest-free days on purchases.
  • As low as a $1,000 credit limit.
  • Easy Instalment Plans let you spread up to 5 purchases over four monthly payments at 0% p.a.
  • Compatible with Apple Pay, Google Pay and Samsung Pay.
Cons
  • A 1% BT fee applies.
  • There is a 2.95% foreign transaction fee.
  • The cash advance rate of 21.99% p.a. is relatively high.
  • No complimentary insurance included, which is common to the same type of credit cards.
Bankwest More World Mastercard

On Bankwest's website

Balance transfer

6 months at 0% p.a.

Purchase rate

19.99% p.a. ongoing

Interest-free days

44 days

Annual fee

$270.00 p.a. ongoing

Details

  • Earn 2.5 points per $1 on eligible purchases.
  • With no foreign transaction fees, this card is a great choice for online and overseas purchases.
  • Take advantage of the 10 LoungeKey airport lounge passes per year at over 1,300 airport lounges worldwide,
  • Plus, this card comes with complimentary overseas travel insurance.

Pros & cons

Pros
  • No cap on rewards earned annually.
  • 0% p.a. on balance transfers for 6 months with a 1% fee, then reverts to 19.99% p.a. after.
  • Get up to 3 additional cards at no extra cost.
  • Up to 44 interest-free days on purchases.
  • Credit limit starts at $12,000.
  • Easy Instalment Plans let you spread up to 5 purchases over four monthly payments at 0% p.a.
  • Compatible with Apple Pay, Google Pay and Samsung Pay.
Cons
  • No sign-up bonus when you apply for this card.
  • There is a 1% BT fee.
  • The annual fee of $270 p.a.
Bankwest More Platinum Mastercard

On Bankwest's website

Balance transfer

6 months at 0% p.a.

Purchase rate

19.99% p.a. ongoing

Interest-free days

44 days

Annual fee

$160.00 p.a. ongoing

Details

  • Earn 2 points per $1 spent on eligible purchases.
  • No foreign transaction fees on online and overseas transactions.
  • Comes with complimentary international credit card travel insurance.

Pros & cons

Pros
  • You can earn up to 400,000 More Rewards points per year on this card.
  • 0% p.a. on balance transfers for 6 months with a 1% fee, then reverts to 19.99% p.a. after.
  • Add up to 3 additional cardholders at no extra cost.
  • Get up to 3 additional cards at no extra cost.
  • Up to 44 interest-free days on purchases.
  • Credit limit starts at $6,000.
  • Easy Instalment Plans let you spread up to 5 purchases over four monthly payments at 0% p.a.
  • Compatible with Apple Pay, Google Pay, and Samsung Pay
Cons
  • Unlike the Bankwest More World Mastercard, this card does not include lounge access.
  • For high spenders, the 400,000 annual rewards cap might not be ideal
  • The annual fee of $160 p.a.
  • There is a 1% BT fee.

Bankwest credit cards offer a wide range of financial preferences, accommodating both those who spend heavily and those mindful of costs by providing competitive rates and fees alongside reward and frequent flyer credit card options. Bankwest distinguishes itself as one of the select banks offering a digital credit card, available for use before the arrival of your physical card in the mail.

Types of Bankwest credit cards

Bankwest provides a diverse selection of credit cards tailored to different lifestyles and preferences. From rewards cards to low rate credit cards, here are some of the key types available:

Benefits of Bankwest credit cards

When you choose a Bankwest credit card, you can enjoy a range of benefits that enhance your overall banking experience. Some common advantages include:

  • Rewards points for every dollar spent
  • Complimentary travel insurance
  • Contactless payment options for convenience
  • Price protection on certain purchases
  • Access to exclusive events and offers

Applying for a Bankwest credit card

The application process is straightforward if you want a Bankwest credit card. Here's a general overview of what to expect:

  1. Choose the card that best suits your needs and financial goals.
  2. Visit the Bankwest website or a branch to explore available credit card options.
  3. Complete the online application form with personal and financial details.
  4. Provide any necessary supporting documents as requested.
  5. Wait for approval, which typically takes a few business days to complete.
  6. Once approved, receive your new credit card and activate it to start using it.

Note that you may be able to add your new Bankwest card to Apple Pay or Samsung Pay on your mobile phone before the physical card arrives.

Help choosing a Bankwest credit card

Further details on rates and fees, plus maximising the benefits of promotional offers and rewards.

  • FAQs

  • Pros & cons

What are the benefits of a Bankwest credit card?

Bankwest credit cards offer various benefits, including rewards points, travel insurance, and exclusive perks like concierge services. These features make it easier to manage your finances and enjoy additional privileges as a cardholder.

How can I apply for a Bankwest credit card?

To apply for a Bankwest credit card, visit the Bankwest website or a branch to explore available options. Fill out the online application form with your details and submit any required documents. Once approved, you will receive your new credit card for immediate use.

Does Bankwest offer low-rate credit card options?

Yes, Bankwest provides low-rate credit card options for customers looking to save on interest charges. These cards come with competitive rates and may be suitable for individuals who carry a balance from month to month.

What should I do if my Bankwest credit card is lost or stolen?

If your Bankwest credit card is lost or stolen, it's crucial to act quickly to prevent unauthorised transactions. Contact Bankwest immediately to report the issue and request a replacement card. You may also need to review your recent transactions for any suspicious activity.

Can I access my Bankwest credit card account online?

Yes, Bankwest offers online banking services that allow you to manage your credit card account conveniently. Through the online portal or mobile app, you can check your balance, view transactions, make payments, and track rewards points effortlessly.

Pros

Rewards program

Bankwest credit cards offer a rewards program where users can earn points on their purchases, which can be redeemed for various benefits such as travel, merchandise, or cashback.

Low annual fees

Many Bankwest credit cards come with low annual fees, making them cost-effective options for users who want to minimise their credit card expenses.

Contactless payments

Bankwest credit cards support contactless payments, providing users with convenience and speed when making transactions at compatible terminals.

Balance transfer offers

Bankwest often provides attractive balance transfer offers, allowing users to transfer existing credit card balances to a Bankwest card at a low or 0% interest rate for a promotional period.

Fraud protection

Bankwest offers robust fraud protection measures on its credit cards, including real-time transaction monitoring and zero liability for unauthorised transactions, providing peace of mind to cardholders.

Cons

Limited acceptance

Bankwest credit cards may have limited acceptance compared to cards from larger banks, especially internationally, which could be inconvenient for users who frequently travel or shop online from overseas merchants.

High interest rates

Some Bankwest credit cards come with relatively high-interest rates, especially for cash advances or purchases made outside of promotional periods, potentially leading to higher costs for users who carry a balance.

Foreign transaction fees

Bankwest credit cards often charge foreign transaction fees for purchases made in a foreign currency, which can add up to significant expenses for users who frequently travel abroad or shop online from international retailers.

Reward redemption restrictions

The rewards program associated with Bankwest credit cards may have restrictions or blackout dates for redeeming points, limiting the flexibility of users in utilising their accumulated rewards.

Limited customer service hours

Bankwest's customer service for credit card-related inquiries may have limited operating hours, which could be inconvenient for users who require assistance outside of standard business hours.

As seen on

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