Bankwest

Bankwest Credit Cards

Compare Bankwest credit cards with low rates, balance transfer offers, rewards, no annual fee and premium benefits.

4.5 ★★★★★ (6 reviews) Write a review

We’re reader-supported and may be paid when you visit links to partner sites. We don’t compare all products in the market, but we’re working on it!

Bankwest credit cards offer something for both big spenders and the cost-conscious, with competitive rates and fees, as well as reward and frequent flyer cards. It's also one of the few banks that offers you a digital credit card before your physical card arrives in the mail.

Bankwest Credit Card Offer

Bankwest Breeze Classic Mastercard

0% p.a. for 15 months on purchases and balance transfers
$0 first-year annual fee

Eligibility criteria, terms and conditions, fees and charges apply

Bankwest Credit Card Offer

This card offers an introductory rate of 0% p.a. on purchases and balance transfers for the first 15 months and a first-year annual fee waiver.

  • $0 first-year annual fee ($49 p.a. thereafter)
  • 0% p.a. on purchases for 15 months (reverts to 9.9% p.a.)
  • 0% p.a. on balance transfers for 15 months with no BT fee
  • Get a digital card as soon as your application is approved
Go to Site
Promoted

Compare Bankwest Credit Cards

$
% p.a.
Name Product Balance transfer rate Purchase rate Bonus points Annual fee Amount saved
Bankwest Breeze Classic Mastercard
0% p.a. for 15 months
0% p.a. for 15 months, reverts to 9.9% p.a.
N/A
$0 annual fee for the first year ($49 p.a. thereafter)
Save with 0% p.a. on purchases and balance transfers for 15 months (with no BT fee). Plus, a $0 first-year annual fee.
Bankwest Breeze Platinum Mastercard
0% p.a. for 15 months
0% p.a. for 15 months, reverts to 9.9% p.a.
N/A
$0 annual fee for the first year ($69 p.a. thereafter)
Get 0% interest on purchases and balance transfers for 15 months, a $0 first-year annual fee and no foreign transaction fees.
Bankwest Zero Platinum Mastercard
0% p.a. for 26 months with 2% balance transfer fee
14.99% p.a.
N/A
$0
Get 0% p.a. on balance transfers for 26 months (with a 2% BT fee), ​an ongoing $0 annual fee and 0% foreign transaction fees.
Bankwest Zero Mastercard
0% p.a. for 26 months with 2% balance transfer fee
14.99% p.a.
N/A
$0
Features an ongoing $0 annual fee and an introductory rate of 0% p.a. for 26 months on balance transfers (with a 2% BT fee).
Bankwest Qantas Platinum Mastercard
2.99% p.a. for 9 months
20.49% p.a.
50,000
$160
Earn up to 50,000 bonus Qantas Points when you meet the spend criteria. Plus, enjoy 0% foreign transaction fees & complimentary travel insurance.
Bankwest Qantas World Mastercard
2.99% p.a. for 9 months
20.49% p.a.
N/A
$270
Earn uncapped Qantas Points per $1 spent on eligible purchases, pay 0% foreign transaction fees and receive complimentary travel insurance.
Bankwest More Mastercard
0% p.a. for 6 months with 1% balance transfer fee
19.99% p.a.
19,500
$100
Earn 1.5 More Rewards Points per $1 spent, 19,500 bonus points when you meet the spend criteria and receive a 0% p.a. balance transfer offer.
Bankwest More Platinum Mastercard
0% p.a. for 6 months with 1% balance transfer fee
19.99% p.a.
75,000
$160
Earn 2 More Rewards Points per $1 spent, 75,000 bonus points when you meet the spend requirement and save with 0% foreign transaction fees.
Bankwest More World Mastercard
0% p.a. for 6 months with 1% balance transfer fee
19.99% p.a.
115,000
$270
Earn 115,000 bonus points when you meet the spend requirement, receive complimentary travel insurance and 10 LoungeKey passes per year.
Bankwest Low Rate Business Mastercard
11.99% p.a.
N/A
$99
Charges a low interest rate of 11.99% p.a. on purchases, cash advances and balance transfers. Plus, up to 3 additional cardholders at no cost.
Bankwest Business Large Rewards Mastercard
18.5% p.a.
18.5% p.a.
28,000
$99
Earn 28,000 bonus points when you meet the spend requirement, 1 reward point per $1 spent and add up to 3 additional cardholders at no cost.
Bankwest Corporate Mastercard
17.99% p.a.
17.99% p.a.
N/A
$138
Features unlimited cardholders, the ability to set spending limits and an annual fee waiver every year when $10,000 is spent on eligible purchases.
loading

Compare up to 4 providers

Types of credit cards from Bankwest

  • Bankwest balance transfer credit cards

A Bankwest credit card with a balance transfer offer gives you an introductory low or 0% p.a. interest rate when you transfer an existing credit card balance to your new Bankwest card. This helps you save money on interest charges and pay down your debt faster during the introductory period. After that, a standard interest rate will apply to any debt remaining from the transfer.

  • Bankwest low rate credit cards

Bankwest low rate credit cards offer a low, ongoing interest rate on purchases. If you carry a balance from month-to-month, this low rate can help you save money on interest charges when compared to regular credit cards.

  • No annual fee credit cards

Bankwest offers two no annual fee credit cards: the Bankwest Zero Mastercard and Bankwest Zero Platinum Mastercard. Both cards never charge an annual fee, which could help you save around $25 to $400 or more compared to cards that do have an annual fee. They also have competitive interest rates for $0 annual fee cards – plus complimentary insurance and no foreign transaction fees on the Bankwest Zero Platinum card.

  • Rewards credit cards

Bankwest rewards credit cards let you earn Bankwest More Rewards points on all eligible purchases. You can then redeem these points for rewards such as travel, gift cards and retail items. Rewards credit cards usually come with higher annual fees, so make sure you're taking advantage of the perks to help offset the cost of the card.

  • Frequent flyer credit cards

Bankwest frequent flyer credit cards give you a way to earn Qantas Points on all your eligible purchases. You can choose between the Bankwest Qantas Platinum and Bankwest Qantas World Mastercard, with perks including complimentary overseas travel insurance and no foreign transaction fees.

  • Business credit cards

Bankwest business credit cards are designed to make it easier to manage work expenses and financial reporting, with features including additional cards for employees, interest-free days and mobile payments. You can choose from a low rate or rewards card for smaller businesses, or a corporate card if you run a medium to large business.

Benefits getting a credit card with Bankwest

Here are some of the key benefits you can get with a Bankwest credit card:

  • Digital card

You can activate your Bankwest card and view your account details through the Bankwest app as soon as your application is approved thanks to the digital card feature. This gives you a way start using your account while you wait for the physical card to come in the mail.

  • Temporary card lock

If you've lost your card or want to block transactions at any time, you can put a temporary lock on your credit card through the Bankwest app, online banking or by calling Bankwest on 13 17 19.

  • Worldwide emergency card replacement

If you're overseas, you can report your card as lost, stolen or damaged and request a replacement through the Bankwest mobile app or by calling Mastercard on +1 636 722 7111. You can also use the digital card by logging into the Bankwest app.

  • Bankwest Platinum and World credit cards — travel insurance

With a Bankwest Platinum or World Mastercard, you can get access to complimentary overseas travel insurance when you meet the eligibility requirements. Your spouse and/or children can also get cover if they meet the eligibility requirements. As with any insurance, there are different conditions and requirements, so make sure you read the insurance policy document on the Bankwest website for full details.

  • Bankwest Platinum and World credit cards — no overseas transaction fee

If you're a frequent traveller or often shop online, you could take advantage of the 0% international transaction fees available with a Bankwest Platinum or World credit card. This could save you around 2-3% compared to some credit cards and debit cards that charge foreign transaction fees.

  • Mobile payments

If you want to use your smartphone or another mobile device to make payments, you can add your Bankwest credit card to any of the following mobile wallets:

Apple PayGoogle PaySamsung PayFitbit PayGarmin Pay
YesYesYesNoNo

Eligibility criteria

The eligibility requirements are different for each Bankwest credit card, and are listed in full on their review pages. But the following are requirements you'll need to meet for any Bankwest card:

  • Age. You must be at least 18 years old.
  • Income and credit history. You'll need to earn a regular income, meet a minimum annual income requirement and have a good credit rating.

How long does it take to apply?

You can apply for a Bankwest credit card in around 15 minutes online and will get a response from Bankwest moments after submitting your application. Before you apply, make sure you meet the eligibility requirements and have the necessary documents on hand.

Information and documents you need to apply

Bankwest credit card applications include basic details everyone needs to fill in, and specific information to help verify details such as your income and identity. The key details include:

  • Personal information. You need to provide some basic information about yourself, including your residential address, date of birth and contact details.
  • Identification. If you're new to Bankwest, you'll need to provide at least two of the following forms of identification: Driver’s licence, Medicare card, passport or birth certificate.
  • Details if you're employed. If you receive PAYG income, you have to provide your 2 most recent payslips. Note that you won't need to do this if your income is paid into a Bankwest account.
  • Details if you're self-employed or a subcontractor. Provide your 2 most recent Notices of Assessments from the tax office. Bankwest may also ask for copies of recent taxation and financial reports from your accountant.
  • Details if you receive income from superannuation. If it's a Self Managed Superannuation Fund (SMSF), provide the most recent SMSF member benefit statement and a letter from your financial planner confirming payments and full details. If it's a retail super fund, provide the most recent statement of your super balance, including evidence of regular and ongoing payments. Or, the past 3 months of bank statements showing proof of this income.
  • Details if you receive a pension. Provide your most recent pension statement, showing current payments.
  • Details if you receive income from a rental property. Provide one of the following forms of proof: a current, signed rental tenancy agreement, recent bank statements showing at least 3 months of rental income, a rental statement from a managing agent showing the past 2 months of payments or your 2 most recent tax returns showing details of the rental property.
  • Other financial details.This includes details about your savings or other assets, as well as ongoing expenses, existing cards, loans and other liabilities.

Credit card details

During the application, you'll be asked about details of your new credit card. This can include:

  • Credit limit. If you have a credit limit in mind for the new card, you can include a request on the application. But keep in mind that the credit limit you get is subject to Bankwest's lending criteria and assessment, so it could be lower than the one you request.
  • Balance transfer. If you want to move an existing credit card debt over to your new Bankwest credit card, you'll need to include details of the amount you want transferred and the account. Just keep in mind that the balance transfer is approved separately and the amount that's transferred depends on the credit limit you get for your new Bankwest credit card.

What happens after you apply?

Once you submit your application, Bankwest will send you details of the next steps. If you're approved for the credit card, you can set up a digital version straight away and should get the physical card within 10 days.

Frequently asked questions

Want to compare a wider range of credit cards? Check out the latest offers for rewards, balance transfers, low rates and more.

Read more on this topic

  • Bankwest More World Mastercard

    Earn reward points as you spend, plus benefit from complimentary overseas travel insurance and 10 yearly airport lounge visits with the Bankwest More World Mastercard.

  • Bankwest Business Rewards

    Understand how the Bankwest Business Rewards program works and compare how you could pick up rewards on your business costs today.

  • Bankwest More Rewards

    Bankwest More credit cards earn reward points on your everyday spending and each year you have the card – so how much value can you get?

  • Bankwest Qantas World Mastercard

    Compare the features and costs of this card, including uncapped points for everyday spending, 0% foreign transaction fees on overseas and online purchases plus complimentary insurance covers.

  • Bankwest Breeze Classic Mastercard

    Enjoy 0% p.a. purchase and balance transfer offer for 15 months and a first-year annual fee waiver. Plus, the convenience of mobile payments and interest-free days on purchases.

  • Bankwest Credit Card Complimentary Insurance

    If you are a Bankwest Platinum or World credit cardholder, you may be eligible for these complimentary insurances. Find out who's eligible and what you're covered for here.

  • Bankwest Qantas Platinum Mastercard

    Earn Qantas Points as you spend and pay no foreign transaction fees with the Bankwest Qantas Platinum Mastercard.

  • Bankwest Breeze Platinum Mastercard

    The Bankwest Breeze Platinum Mastercard offers a $0 annual fee for the first year, 0% p.a. on purchases, balance transfers for 15 months, 0% foreign transaction fees and complimentary overseas travel insurance.

  • Bankwest More Mastercard

    Earn points while paying a competitive annual fee of $100 with the Bankwest More Mastercard.

  • Bankwest More Platinum Mastercard

    Get complimentary overseas travel insurance, 0% foreign transaction fees and bonus points every year you meet the spend requirement with the Bankwest More Platinum Mastercard.

Ask an Expert

You are about to post a question on finder.com.au:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use, Disclaimer & Privacy Policy and Privacy & Cookies Policy.

50 Responses

    Default Gravatar
    PaulNovember 21, 2019

    How long does it take to get the Bankwest credit card?

      Avatarfinder Customer Care
      JoshuaNovember 21, 2019Staff

      Hi Paul,

      Thanks for getting in touch with Finder. I hope all is well with you. 😃

      That’s an interesting question, Paul. The answer is within 10 business days. Once your credit card application is approved, you will receive your card via the general Australia Post.

      I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.

      Have a wonderful day!

      Cheers,
      Joshua

    Default Gravatar
    PeterMarch 28, 2017

    I have a Bankwest Platinum Debit card what fees are charged when using overseas ATMs and purchases. Thanks

      Default Gravatar
      ChesterMarch 29, 2017

      Hello Peter,

      Thanks for your question.

      As stated on https://www.finder.com.au/bankwest-platinum-debit-mastercard the Bankwest Platinum Debit MasterCard does not charge any fees when using the card overseas. Though please be reminded that international ATM withdrawals attract overseas withdrawal fee since you are using a non Bankwest ATM machine. All in all that would be the only fee that may only occur when you use your Bankwest Platinum Debit MasterCard overseas.

      Regards,
      Chester

    Default Gravatar
    NormanJanuary 20, 2017

    I currently have the Bankwest Qantas Transaction Account and debit MasterCard. Will I still be eligible for the bonus points if I apply for the Bankwest Qantas World MasterCard?

    Thanks.

      Avatarfinder Customer Care
      DeeJanuary 23, 2017Staff

      Hi Norman,

      Thanks for your question.

      Yes, you are still eligible to receive the bonus points that come with Bankwest Qantas World MasterCard even if you currently hold a Bankwest transaction account and a debit card, provided you are able to meet all other eligibility criteria for the offer.

      Just to let you know, the bonus offer for the Bankwest Qantas World MasterCard is not available to those who are upgrading from another Bankwest credit card to a Bankwest World MasterCard or those who currently hold a Bankwest Qantas MasterCard credit card or are a Complete Home Loan Package customer.

      Cheers,
      Anndy

    Default Gravatar
    SteveOctober 22, 2016

    Hi There,

    I am currently looking at the Bankwest zero platinum Mastercard but before I change I’m a little cautious of the fees.I own a 28 degrees Mastercard for travel and online purchases but will dump it the moment I decide on another card which is possibly this one. I’m trying to do a proper comparison but finder doesn’t really cater for a side by side comparison between 2 popular, yet, similar cards. Why is that? Finder allows me to do comparisons with other cards but not these 2

    Thanks

      Avatarfinder Customer Care
      MayNovember 3, 2016Staff

      Hi Steve,

      Thank you for your inquiry.

      Sorry for the delayed reply. You can actually compare the credit cards free of annual and foreign transaction fees. They are categorised as credit cards with no foreign transaction and $0 annual fees.

      Hope this has answered your question.

      Cheers,
      May

    Default Gravatar
    JordynAugust 5, 2015

    Hi,

    Do you have a credit card which could match or beat:
    50 months interest free
    $59/year admin fee

    Thank you

      Avatarfinder Customer Care
      JonathanAugust 6, 2015Staff

      Hi Jordyn,

      Thanks for your inquiry!

      As of this time, there is no product on the market with 50 months interest-free. You may like to view our range of credit cards for comparing and choosing a card. You can select the “Go to Site” button of your preferred credit card to proceed with your application. You can also contact the provider if you have specific questions. A gentle reminder, please ensure to read through the relevant product disclosure statement and terms and conditions to ensure that you got everything covered before you apply.

      Cheers,
      Jonathan

Go to site