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Bankwest Credit Cards

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

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 Zero Platinum Mastercard

$0 annual fee
0% foreign transaction fees

Eligibility criteria, terms and conditions, fees and charges apply

Bankwest Credit Card Offer

The Bankwest Zero Platinum Mastercard features a $0 annual fee, a low balance transfer offer, and up to 55 days interest-free on purchases.

  • $0 p.a. annual fee.
  • 17.99% p.a. on purchases
  • Cash advance rate of 21.99% p.a.
  • Up to 55 days interest free
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Compare Bankwest Credit Cards

Rates last updated November 15th, 2018
% p.a.
Name Product Balance transfer rate (p.a.) Purchase rate (p.a.) Bonus Points Annual fee Amount Saved Product Description
Bankwest Zero Platinum Mastercard
2.99% p.a. for 9 months
17.99% p.a.
$0 p.a.
Offers a $0 annual fee, 0% foreign transaction fees, complimentary international travel insurance and a balance transfer offer.
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 purchase and balance transfer offers of 0% p.a. for 13 months, a low ongoing rate and up to 55 interest-free days on 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 a 0% p.a. interest rate on purchases and balance transfers for 13 months, complimentary travel insurance and 0% foreign transaction fees.
Bankwest Qantas Platinum Mastercard
2.99% p.a. for 9 months
20.49% p.a.
$160 p.a.
Enjoy 0% foreign transaction fees, complimentary travel insurances and earn 0.5 Qantas Points per $1 spent on eligible purchases.
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 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, 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 bonus points
$100 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.
75,000 bonus points
$160 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.
115,000 bonus points
$270 p.a.
Earn 115,000 bonus points when you meet the spend requirement, receive complimentary travel insurance and a LoungeKey membership.
Bankwest Zero Mastercard
2.99% p.a. for 9 months
17.99% p.a.
$0 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 Low Rate Business Mastercard
0% p.a. for 13 months with 2% balance transfer fee
0% p.a. for 13 months (reverts to 11.99% p.a.)
$99 p.a.
Offers an introductory 0% p.a. interest rate on purchases and balance transfers for 13 months. Plus, up to 3 additional cardholders at no cost.
Bankwest Business Large Rewards Mastercard
18.50% p.a.
28,000 bonus points
$99 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.
$39 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 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 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.

  • 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 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. Learn more about the benefits of using a Bankwest business credit card in this guide.

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. 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 — travel insurance

If you have a Bankwest Platinum or World Mastercard, you can get complimentary international travel insurance when you use your card to pay for at least $500 of your overseas travel booking before you leave. 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 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.

  • Bankwest Halo payment ring

Tap and go at any contactless payment terminal with the Bankwest Halo payment ring. Available for $39 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.

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Credit Card Offers

Important Information*
Citi Platinum Credit Card - Exclusive...

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Annual fee


*$149 p.a. after first year

Virgin Australia Velocity Flyer Card ...

Interest rate


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*$129 p.a. after first year

American Express Westpac Altitude Pla...

Interest rate


Annual fee


*$249 p.a. after first year

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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

    • 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.


  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?


    • finder Customer Care
      LouJanuary 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.


  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


    • finder Customer Care
      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.


  4. 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

    • finder Customer Care
      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.



  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.

    • finder 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.



  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 ?

    • finder 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.



  7. Default Gravatar
    carmelMay 6, 2015

    How do I cancel Bankwest credit card?

    • finder 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.



  8. Default Gravatar
    stuartFebruary 12, 2015

    how do i apply for the bankwest platinum breeze master card

    • finder 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,


  9. Default Gravatar
    winifredDecember 2, 2014

    my new pin no. won’t work

    • finder 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.



  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?

    • finder Customer Care
      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.



Credit Cards Comparison

Rates last updated November 15th, 2018
Name Product Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Product Description
NAB Low Fee Platinum Card - Exclusive Offer
19.74% p.a.
0% p.a. for 25 months
$90 p.a.
finder Exclusive: Take advantage of 0% p.a. interest for 25 months on balance transfers with no balance transfer fee.
Citi Platinum Credit Card - Exclusive Offer
0% p.a. for 13 months (reverts to 20.99% p.a.)
0% p.a. for 13 months
$49 p.a. annual fee for the first year ($149 p.a. thereafter)
finder Exclusive:
Save with 0% interest on purchases and balance transfers for 13 months (with no BT fee). Plus, a discounted $49 annual fee for the first year.
Virgin Australia Velocity Flyer Card - Exclusive Offer
0% p.a. for 14 months (reverts to 20.74% p.a.)
0% p.a. for 6 months
$64 p.a. annual fee for the first year ($129 p.a. thereafter)
finder Exclusive: Save on credit card costs with half the annual fee for the first year and a 0% p.a. interest rate on purchases for 14 months.
American Express Westpac Altitude Platinum Bundle - Qantas - Exclusive Offer
20.24% p.a.
$50 p.a. annual fee for the first year ($249 p.a. thereafter)
finder Exclusive:
Up to 90,000 bonus Qantas Points when you meet the criteria with this dual Visa (issued & serviced by Westpac) & Amex (issued & serviced by Amex).

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* The credit card offers compared on this page are chosen from a range of credit cards 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.

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