Bankwest Credit Cards

bankwest logo

Compare Bankwest credit cards with balance transfer offers, rewards, no annual fee and premium benefits. Plus find one of the lowest Mastercard purchase rates in Australia*.

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. Its premium credit cards also feature complimentary extras that will appeal to shoppers and travellers alike.

Use this guide to compare Bankwest credit cards and offers based on the features and fees. We also look at some of the benefits of getting a credit card with Bankwest and how to apply so that it's easy for you to get your next credit card when you want it.

Bankwest Breeze Classic Mastercard

0% p.a. for 13 months on balance transfers
with a one-time 2% balance transfer fee

Eligibility criteria, terms and conditions, fees and charges apply

Bankwest Credit Card Offer

Enjoy a long-term introductory rate on purchases and balance transfers combined with interest-free days and a low annual fee.

  • $79 p.a. annual fee.
  • 12.99% p.a. on purchases
  • 0.00% p.a. for 13 months with 2% BT fee on balance transfers
  • Cash advance rate of 21.99% p.a.
  • Up to 55 days interest free
Go to site

Compare Bankwest Credit Cards

Rates last updated October 18th, 2017
$
% p.a.
Name Product Balance transfer rate (p.a.) Purchase rate (p.a.) Bonus Points Annual fee Amount Saved Product Description
Bankwest Breeze Classic Mastercard
0% p.a. for 13 months with 2% balance transfer fee
0% p.a. for 13 months (reverts to 12.99% p.a.)
$79 p.a.
Receive up to 55 days interest-free on purchases and free worldwide emergency card replacement.
Bankwest Zero Platinum Mastercard
2.99% p.a. for 9 months
17.99% p.a.
$0 p.a.
Receive complimentary international travel insurance, access to a 24/7 concierge service and 0% foreign transaction fees.
Bankwest Zero Mastercard
2.99% p.a. for 9 months
17.99% p.a.
$0 p.a.
Receive up to 55 days interest-free on purchases, the worldwide acceptance of a Mastercard and the ability to use Android Pay.
Bankwest Qantas Mastercard
2.99% p.a. for 9 months
20.49% p.a.
$100 p.a.
Receive a complimentary Qantas Frequent Flyer membership and earn 0.5 Qantas Points per $1 spent on eligible purchases.
Bankwest Qantas Platinum Mastercard
2.99% p.a. for 9 months
20.49% p.a.
$160 p.a.
Enjoy a high credit limit with complimentary travel insurances and earn 0.5 Qantas Points per $1 spent on eligible purchases.
Bankwest Breeze Platinum Mastercard
0% p.a. for 13 months with 2% balance transfer fee
0% p.a. for 13 months (reverts to 12.99% p.a.)
$99 p.a.
Receive complimentary international travel insurance, extended warranty cover and 0% foreign transaction fees.
Bankwest Qantas World Mastercard
2.99% p.a. for 9 months
20.49% p.a.
$270 p.a.
Earn uncapped Qantas Points per $1 spent on eligible purchases. Also enjoy 0% foreign transaction fees on online and overseas spend.
Bankwest More Mastercard
0% p.a. for 6 months with 1% balance transfer fee
19.99% p.a.
19,500 bonus points
$100 p.a.
Earn 1.5 More Rewards Points per $1 spent and get free worldwide emergency card replacement.
Bankwest More Platinum Mastercard
0% p.a. for 6 months with 1% balance transfer fee
19.99% p.a.
75,000 bonus points
$160 p.a.
Earn 75,000 bonus More Rewards points. Earn 2 rewards points for every $1 spent.
Bankwest More World Mastercard
0% p.a. for 6 months with 1% balance transfer fee
19.99% p.a.
115,000 bonus points
$270 p.a.
Earn 2.5 More Rewards Points per $1 spent and receive complimentary travel insurance.
Bankwest Business Large Rewards Mastercard
18.50% p.a.
28,000 bonus points
$99 p.a.
Earn 1 reward point per $1 spent and add up to 3 additional cardholders at no extra cost.
Bankwest Corporate Mastercard
17.99% p.a.
$39 p.a.
Features unlimited cardholders, the ability to set spending limits and an optional rewards program.
Bankwest Corporate (Executive) Mastercard
17.99% p.a.
$69 p.a.
Features a central billing account, the ability to control individual cardholder limits and up to 50 days interest-free on purchases.
Bankwest Business Low Rate Mastercard
11.99% p.a.
$0 p.a. annual fee for the first year ($99 p.a. thereafter)
Extend your cashflow with up to 55 days interest-free on purchases, plus add up to 3 additional cardholders at no cost.

Compare up to 4 providers

Types of Bankwest Credit Cards

The range of Bankwest credit cards include low rate, no annual fee, rewards, frequent flyer and business options. There are also premium platinum and World Mastercard options that provide additional perks for eligible cardholders, such as complimentary insurance and no international transaction fees.

  • Balance transfer credit cards

When you transfer your existing credit card balance to a new Bankwest credit card with a balance transfer offer, you can get an introductory low or 0% p.a. interest rate on the debt. This allows you to save money on interest charges and pay down your debt faster during the introductory period. After that, a standard variable interest rate will apply to any debt remaining from the transfer. See our step-by-step guide on how to conduct a balance transfer with Bankwest for further information.

Learn more about Balance Transfer Cards

  • Low rate credit cards

Bankwest low rate credit cards offer a low, ongoing variable 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.

Learn more about Low Rate Cards

  • No annual fee credit cards

If you don't use your card regularly or want to cut down on card costs, you may want to consider a Bankwest credit card with no annual fee. This type of card is designed to offer affordable access to credit by not charging a yearly account fee. However, as these cards come with higher interest rates than other Bankwest products, you might want to consider a low rate card if you're partial to carrying your balance.

Learn more about No Annual Fee Cards

  • 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 merchandise from the Bankwest More Rewards store. 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.

Learn more about Rewards Credit Cards

  • Frequent flyer credit cards

Bankwest frequent flyer credit cards earn you Qantas Points on all your eligible purchases, with Classic, Platinum and World Mastercard accounts available. Depending on the card you choose, you could also enjoy additional benefits such as free worldwide emergency card replacement, complimentary travel insurance and no foreign transaction fees on overseas purchases.

Learn more about Frequent Flyer Credit Cards

  • Business credit cards

Bankwest offers a range of business credit cards designed to suit different needs, with features ranging from interest-free days, low rates and low annual fees to rewards programs. There are also options to get additional cards for your employees. Learn more about the benefits of using a Bankwest business credit card in this guide.

Learn more about Business Credit Cards

The benefits of banking with Bankwest

Some of the benefits of getting a credit card from Bankwest include:

  • ATM access

As well as using Bankwest ATMs for free, you can also withdraw cash at any Commonwealth Bank Group ATM without attracting an ATM fee. There’s also an ATM in every 7/11 in Australia, meaning you should never have too much trouble accessing your cash. Note that using an ATM to get money with a credit card will attract cash advance fees and charges.

  • 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.

  • Worldwide emergency card replacement

Whether you're shopping in Australia or overseas, you'll have the peace of mind of Bankwest's emergency worldwide card replacement. If your card is lost or stolen, call Bankwest and they will block your card and arrange for a new one to be sent out to you.

  • Flexibility of rewards

Bankwest credit cards give you the choice of earning Bankwest More Rewards or Qantas Points on every dollar you spend on eligible purchases. You can then use these reward points to redeem flights or other travel, as well as products and experiences across categories including fashion, technology, homewares, food and wine and entertainment.

How to apply for a Bankwest credit card

If you're interested in getting a Bankwest credit card, you can compare your options here to find one that suits your needs. Then, just click the "Go to Site" link and you'll be taken to a secure online application. The application should only take around 15 minutes to complete and you should 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.

Application criteria

There are some basic eligibility requirements you need to meet to apply for a Bankwest credit card. We’ve listed the application criteria on each card’s review page, with requirements including:

    • 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.

Required documents

  • Basic personal information. You need to provide some basic information about yourself, like your residential address, date of birth and contact details.
  • Identification. New Bankwest accounts holders will need to provide at least two of the following forms of identification: Driver’s licence, Medicare card, passport or birth certificate.
  • Financial details. If you work for an employer, you may have to provide your two most recent payslips, and if you’re a new Bankwest customer, you have to show bank statements for the last three months. If you’re self-employed you have to show your two most recent Notice of Assessments from the tax office. You’re also required to provide information about your other income, assets, ongoing expenses and liabilities.

What happens next?

Once the online application has been completed you will receive a reference number which can be quoted for any application inquiries with Bankwest. Bankwest may contact your employer or accountant to verify your current employment status. You may be required to provide some more details including income verification and original ID. Bankwest will get in touch to advise you within 10 working days. For any further inquiries please contact Bankwest via the "Contact Us" tab on their website and quote your reference number.

Frequently asked questions

If you want to know more about Bankwest credit cards, check out these answers to frequently asked questions. You can also ask us a question by using the form at the bottom of the page.

The right card will depend on your financial situation, eligibility and financial goals. Consider the eligibility requirements of the card as well as the features and fees to determine which type of card is suitable for your situation.

This depends on how you plan to use the card. If you won't regularly use the perks and are paying a higher annual fee for them, then you may want to consider a different option. When comparing Bankwest credit cards, think about your spending habits and needs, then weigh up the value of the perks against potential costs such as the annual fee and interest charges to decide if it's the right option for you.

If you can pay back your balance in full each month, you will be able to take advantage of the interest-free days available for eligible purchases. Note that interest-free days are not available with all Bankwest credit cards (particularly business options), so make sure you check the features of individual products before choosing a card.

If you're carrying an existing high-interest debt with a non-Bankwest credit card, you can move your balance to a Bankwest card that offers a low promotional interest rate. At the end of the introductory period, the balance transfer interest rate will revert to a higher standard rate for any remaining debt. See our how to conduct a balance transfer with Bankwest guide for further information.

Bankwest Qantas Mastercard accounts allow you to earn Qantas Frequent Flyer points for your everyday spending. You'll need to have an existing account with Qantas and link it with your Bankwest credit card to earn these points. Please note that you can only earn reward points on eligible purchases (excluding balance transfers, cash advances and gambling transactions).

Read our Bankwest credit card review pages to find out whether you’re eligible to apply for a Bankwest credit card. There are some common application requirements for all credit cards, these include:

Have a good credit rating. You can find out whether you have any default listings on your credit file by ordering a copy of your credit report.

  • Be over the age of 18.
  • Be a permanent Australian resident.

There is also a minimum income requirement. This is different for each card. You can find further information on our Bankwest credit card review pages.

Documentation requirements differ depending on your employment status.

  • Employed. If you’re a new Bankwest customer, you must provide two most recent payslips showing your account details and transaction history. If you’re an existing Bankwest customer, you must provide your Bankwest account statement showing your salary payments for the past three months.
  • Self-employed. If you’re self-employed, you must provide your last two Notices of Assessment from the Australian Tax Office (ATO).
  • Retired. If you get income from a Self Managed Super Fund (SMSF) or managed fund, you must provide tax returns from the last financial year and your most recent superannuation statement showing regular payments from the fund. If you get a pension, you must show your most recent pension statement.
  • Rental income. You must provide a rental tenancy agreement and a monthly rental income statement.

These documents can be faxed or emailed to Bankwest and in most cases, the documents must have been issued within 18 months of your Bankwest credit card application.

Once you submit your online application for a Bankwest credit card, you will be contacted by email confirming the status of your credit card application.

You may be conditionally approved, approved in full or declined for a Bankwest credit card. If you’re conditionally approved for the card, you may need to provide Bankwest with additional information like financial statements.

The email with the application confirmation also has your application reference number. You can quote this number to a Bankwest representative if you need to check up on the status of your credit card application.

Although there are balance transfer offers available to existing Bankwest credit cardholders, the balance transfer introductory rates you see advertised are for new customers only. If you’re an existing Bankwest customer and you’re eligible for a balance transfer, Bankwest will contact you directly with details of the offer.

When you apply for a Bankwest credit card, you will be assigned a credit limit. This is how much money Bankwest is willing to give you on your credit card. You can change your credit limit at any time after you get your credit card from Bankwest.

  • Credit limit increase. If you would like to request a credit limit increase on your Bankwest credit card, for whatever reason, give Bankwest a call, download a credit limit increase application form or visit a Bankwest branch to apply. Bankwest looks at your income and your expenses when they assign your credit limit. If you accepted the maximum credit limit when you first applied for the credit card and your circumstances have not changed, it’s unlikely that you will be given more credit if you apply for a limit increase. When you apply for a credit limit increase, a credit enquiry mark is recorded on your credit file.
  • Credit limit decrease. The same way you can request a credit limit increase, you can also request a credit limit decrease. This will reduce the amount of available credit you have on your credit card.

See our guide on how to request a credit limit increase for further information.

You can add up to three additional cardholders to your Bankwest credit card account. Each cardholder must be over the age of 16. You can add an additional cardholder to your account when you apply for the credit card or you can complete and send in a Bankwest additional cardholder request form.

If the additional cardholder is not already a Bankwest customer, they will need to verify their identity before a supplementary card can be issued. Please note that, as the primary cardholder, you'll be responsible for all transactions made on your additional cards.

The minimum payment is 2% or $20, whichever is greater. If you don't meet this minimum repayment, you'll be charged a late payment fee.

Please note that if you only pay the minimum repayment amount each month, your remaining balances will start collecting interest. If you want to avoid interest and take advantage of interest-free days on future purchases, you'll need to pay your balance in full.

You have a few options when making repayments with Bankwest:

  • BPAY: You can make payments to your Bankwest credit card from another financial institution’s internet banking facility using BPAY. Enter the Bankwest BPAY Biller Code: 9100 and use your credit card number as the reference number. It may take between three and five business days for the BPAY payment to be processed by the bank, so make sure you allow for the time it takes for the transaction to be processed when you’re making a payment to your Bankwest credit card.
  • Direct Debit. Set up a direct debit from a transaction or savings account to automatically transfer money to your Bankwest credit card. You can choose to pay just the minimum amount, the statement balance, account balance or a fixed amount. To set up direct debit for your Bankwest credit card, fill in a direct debit request form. The form is available from on the Bankwest website.
  • At a branch. You can pay your Bankwest credit card in person at a Bankwest branch.
  • Cheque. You can post a cheque to Bankwest for your payment. If you receive paper statements, your statement will be sent in a reusable reply paid envelope to allow you to send a cheque. Just make sure you leave enough time for the cheque to be posted and processed before the due date on your statement.
  • Online banking. If you have a Bankwest transaction account, you can make a payment via the Bankwest Online Banking service. This is available for both computers and mobile devices.

To avoid any potential embarrassment on your part if your transaction is refused, Bankwest will sometimes approve transactions that are over your agreed limit. The decision is based on how you manage your credit card account and any risks that Bankwest identifies.

If you don't want to use this option, you can opt out of exceeding your credit limit by contacting Bankwest directly. If you regularly go over your credit limit, you may want to consider requesting a credit limit increase.

Bankwest credit cards can be used wherever Mastercard is accepted, including tens of millions of stores, online merchants and ATMs around the world. When you use your credit card overseas, there’s usually an international transaction fee. This fee is waived on Bankwest Platinum and World credit cards.

You may also be charged a cash advance fee and local ATM operator fee if you make a cash withdrawal using your Bankwest credit card.

If you have paid your account in full you can cancel your Bankwest credit card at any time. Call a Bankwest customer service representative on 13 17 19 and they will be able to guide you through the process. See our guide on how to cancel a credit card for tips on closing your account successfully without hurting your credit score.

Bankwest began as an agricultural bank in Western Australia in 1895, and has since grown to become a leader in Australian banking. It now serves more than 1.1 million personal and business customers around the country. Bankwest is also a division of the Commonwealth Bank of Australia.

Back to top

Read more on this topic

NAB Premium Card - Exclusive Offer
NAB Premium Card - Exclusive Offer

Interest rate

19.74

Annual fee

90
ANZ Platinum Credit Card - Exclusive Offer
ANZ Platinum Credit Card - Exclusive Offer

Interest rate

19.74

Annual fee

87
St.George Vertigo Platinum
St.George Vertigo Platinum

Interest rate

12.74

Annual fee

99

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, read the PDS or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms and Conditions and Privacy Policy.

48 Responses

  1. Default Gravatar
    PeterMarch 28, 2017

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

    • Staff
      ChesterMarch 29, 2017Staff

      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

  2. Default Gravatar
    January 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.

    • Staff
      AnndyJanuary 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

  3. 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

    • Staff
      MayNovember 3, 2016Staff

      Hi Steve,

      Thank you for your inquiry.

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

      Hope this has answered your question.

      Cheers,
      May

  4. 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

    • Staff
      JonathanAugust 6, 2015Staff

      Hi Jordyn, thanks for your inquiry!

      Unfortunately there is no product on the market with 50 months interest free. You may like to view our best credit cards page for comparing and choosing a card.

      Cheers,

      Jonathan

  5. Default Gravatar
    PhyllisJune 11, 2015

    I have a Zero credit card that expires 07/15. I am surprised that I have not received a replacement card yet. Can you please explain?
    Thank you.

    • Staff
      sally.mcmullen@hiveempire.comJune 12, 2015Staff

      Hi Phyllis,

      Thanks for your question.

      Just to confirm, you have actually come through to finder.com.au, not Bankwest.

      According to the Bankwest Credit Cards Conditions of Use document, the card is only valid until the expiry date. Bankwest may, at their discretion, issue a user with a replacement card.

      You may wish to contact the Bankwest Customer Service team directly to request a replacement card.

      I hope this has helped answer your question.

      Thanks,

      Sally

  6. Default Gravatar
    ozeeeeMay 11, 2015

    I applied for a bankwest platinum credit card and received an email saying to send in payslips. I don’t have that, but have not heard anything back yet nor have I received anything in mail. I applied on 23rd April and it is 11th may now. Is it normal to take this long to receive card in mail ?

    • Staff
      JonathanMay 12, 2015Staff

      Hi Ozeeee, thanks for your inquiry!

      If a credit card application has received conditional approval, your approval depends upon you providing verification of your details, usually payslips or personal identification. Full approval is granted once you have provided this information to a bank staff member and you have signed the contract agreement. If you have verified your details, it would be best to contact Bankwest directly in regards to the status of your application.

      Cheers,

      Jonathan

  7. Default Gravatar
    carmelMay 6, 2015

    How do I cancel Bankwest credit card?

    • Staff
      JonathanMay 6, 2015Staff

      Hi Carmel, thanks for your inquiry!

      Please refer to the link I have sent to your email for Bankwest’s contact details to cancel your credit card service.

      Cheers,

      Jonathan

  8. Default Gravatar
    stuartFebruary 12, 2015

    how do i apply for the bankwest platinum breeze master card

    • Staff
      JonathanFebruary 12, 2015Staff

      Hi Stuart, thanks for your inquiry!

      We’d like to thank you for your patience, we are currently resolving some technical issues as the Bankwest website has been experiencing some difficulty within the past few days. We will send you a confirmation email when this has been fixed and you are able to apply for the card’s exclusive offer with finder.com.au.

      Kind Regards,

      Jonathan

  9. Default Gravatar
    winifredDecember 2, 2014

    my new pin no. won’t work

    • Staff
      ElizabethDecember 3, 2014Staff

      Hi Winifred,

      Thanks for your question.

      You might need to get in contact with Bankwest to assist you with your query as we don’t have access to your personal account.

      Thanks,

      Elizabeth

  10. Default Gravatar
    GrantOctober 10, 2014

    Re Breeze Gold Mastercard and QANTAS Platinum Mastercard:

    1. What is the maximum credit limit?
    2. Is an additional card provided for a second card holder for no charge?

    • Staff
      ElizabethOctober 10, 2014Staff

      Hi Grant,

      Thanks for your question.

      For both of these credit cards, there is no maximum credit limit and there is no fee for additional cardholders.

      I hope this has helped.

      Thanks,

      Elizabeth

Credit Cards Comparison

Rates last updated October 18th, 2017
Name Product Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Product Description
NAB Premium Card - Exclusive Offer
19.74% p.a.
0% p.a. for 24 months
$90 p.a.
Exclusive to finder.com.au and available until 12 November 2017, enjoy a no BT fee, long-term balance transfer offer and complimentary insurances.
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
20.74% p.a.
0% p.a. for 18 months
$129 p.a.
Earn 3 bonus Velocity Points per $1 for the first 3 months, a first year annual fee refund and a yearly $129 Virgin Australia Gift Voucher.
St.George Vertigo Platinum
12.74% p.a.
0% p.a. for 24 months with 2% balance transfer fee
$99 p.a.
Offers complimentary travel insurance, complimentary purchase insurance and access to a 24/7 personal concierge service.
ANZ Platinum Credit Card - Exclusive Offer
0% p.a. for 3 months (reverts to 19.74% p.a.)
0% p.a. for 12 months
$0 p.a. annual fee for the first year ($87 p.a. thereafter)
Exclusive to finder, receive 0% p.a. interest on purchases for 3 months and 0% p.a. on balance transfers for 12 months with no balance transfer fee.
ME frank Credit Card
11.99% p.a.
$0 p.a.
Available in black or white, this no-fuss credit card offers the same rate on purchases and cash advances, plus card lock technology.

Compare up to 4 providers

* The credit card offers compared on this page are chosen from a range of credit cards finder.com.au has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing cards.

Ask a question