Bankwest Credit Cards Comparison & Reviews |

Bankwest Credit Cards

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


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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 Credit Card Offer

Bankwest Breeze Classic Mastercard

0% p.a. for 26 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

This card offers an introductory rate of 0% p.a. on balance transfers for the first 26 months and a first-year annual fee waiver.

  • $0 first-year annual fee ($49 p.a. thereafter)
  • 0% p.a. on balance transfers for 26 months with 2% BT fee
  • Ongoing interest rate of 10.99% p.a. on purchases | 21.99% p.a. on cash advances
  • Get a digital card as soon as your application is approved
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Compare Bankwest Credit Cards

Data updated regularly
% p.a.
Name Product Balance transfer rate Purchase rate Bonus points Annual fee Amount saved
Bankwest Breeze Classic Mastercard
0% p.a. for 26 months with 2% balance transfer fee
10.99% p.a.
$0 annual fee for the first year ($49 p.a. thereafter)
Save with 0% p.a. on balance transfers for 26 months (with a 2% BT fee) and $0 first-year annual fee. Plus, a 10.99% p.a. purchase interest rate.
Bankwest Zero Platinum Mastercard
2.99% p.a. for 9 months
17.99% p.a.
Offers a $0 annual fee, 0% foreign transaction fees, complimentary international travel insurance and a balance transfer offer.
Bankwest Breeze Platinum Mastercard
0% p.a. for 26 months with 2% balance transfer fee
10.99% p.a.
$0 annual fee for the first year ($69 p.a. thereafter)
Get 0% interest on balance transfers for 26 months, a $0 first-year annual fee, complimentary travel insurance and no foreign transaction fees.
Bankwest Zero Mastercard
2.99% p.a. for 9 months
17.99% p.a.
Features an ongoing $0 annual fee. Plus, receive up to 55 days interest-free on purchases and a 2.99% p.a. for 9 months on balance transfers.
Bankwest Qantas Platinum Mastercard
2.99% p.a. for 9 months
20.49% p.a.
Earn up to 30,000 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.
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.
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.
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.
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.
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.
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.
Features unlimited cardholders, the ability to set spending limits and an annual fee waiver every year when $10,000 is spent on eligible purchases.

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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 cards 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 interest rate will apply to any debt remaining from the transfer.

  • 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

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.

  • 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.

  • 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 overseas travel insurance and no foreign transaction fees on overseas purchases.

  • 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.

The benefits of banking with Bankwest

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

  • Digital card

You can activate your 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.

  • Bankwest Platinum and World credit cards — travel insurance

If you have a Bankwest Platinum or World Mastercard, you can get complimentary overseas travel insurance when you have an open, eligible card. Your spouse and/or children can also get cover if they meet the eligibility requirements. Refer to the Bankwest credit card complimentary insurance booklet on the Bankwest website for more information, or check out our guide for a summary of this cover.

  • 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 for 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.

  • Mobile wallets and contactless payments

You can make contactless payments with your smartphone when you link your Bankwest credit card to your Google Pay, Apple Pay or Samsung Pay account. You can also purchase a Bankwest Halo payment ring and use it to tap and go at the terminal. Available for $15 and able to be linked to any eligible account, the Halo is waterproof, secure and does not require charging.

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

  • 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.
  • 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.

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 a 0% p.a. balance transfer offer for 26 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 balance transfers for 26 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.

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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!


    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 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.


    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?


      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.


    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


      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.


    Default Gravatar
    JordynAugust 5, 2015


    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.


    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.

      Avatarfinder Customer Care
      sally.mcmullen@hiveempire.comJune 12, 2015Staff

      Hi Phyllis,

      Thanks for your question.

      Just to confirm, you have actually come through to, 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.



    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 ?

      Avatarfinder Customer Care
      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.



    Default Gravatar
    carmelMay 6, 2015

    How do I cancel Bankwest credit card?

      Avatarfinder Customer Care
      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.



    Default Gravatar
    stuartFebruary 12, 2015

    how do i apply for the bankwest platinum breeze master card

      Avatarfinder Customer Care
      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

      Kind Regards,


    Default Gravatar
    winifredDecember 2, 2014

    my new pin no. won’t work

      Avatarfinder Customer Care
      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.



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