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 a digital credit card before your physical card arrives in the mail.
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 to 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 an eligible 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.
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 Pay
Google Pay
Samsung Pay
Garmin Pay
How to apply for a Bankwest credit card
Applying for a credit card online is fast and easy. You'll need to be at least 18 years of age and meet the card's eligibility criteria. For more about eligibility, the kinds of documentation you'll need and the factors that can affect whether your card application is approved, check out our full guide to applying for a credit card.
Frequently asked questions
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).
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.
You can add an additional cardholder to your Bankwest credit card account, if the person is 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.
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. If your transaction account is with another bank, you could also visit a branch to pay – just take your statement or Bankwest credit card account details.
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.
Telephone banking. If you have a Bankwest transaction account, you can make a payment by calling Bankwest on 13 17 19. If your transaction account is with another bank, you could also call the telephone banking number and make a BPAY payment.
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.
You can close your Bankwest credit card account through the mobile app, online or by calling Bankwest on 13 17 19. Keep in mind that you will have to pay off the whole account before you can close the account – this step-by-step guide has full details, plus tips to help you successfully close your account.
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.
Amy is an experienced journalist with over 16 years of experience, contributing to major publications like Money Magazine, The Sydney Morning Herald, and ABC News Australia. Specialising in personal finance, she frequently appeared in media outlets and on radio. Amy holds a Bachelor of Arts in Journalism and Drama from Griffith University and earned RG146 certifications in Tier 1 Generic Knowledge and Tier 2 General Advice Deposit Products, ensuring her expertise is grounded in current financial regulations. Amy was Finder's Senior Writer for Credit Cards from 2016 to 2024.
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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
ElizabethOctober 10, 2014Finder
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
CarolinaAugust 3, 2014
Im looking for a credit card with a 500 dollar minimum and 1000 max, is there anything like that in bankwest or only nab has this? I have my debit card with bankwest atm.
Finder
ShirleyAugust 4, 2014Finder
Hi Carolina,
Most the cards provided by Bankwest have a $1,000 minimum credit limit. However, since you’re an existing customer you may be able to request a card with a $500 minimum.
Cheers,
Shirley
ColetteJuly 20, 2014
I need to buy online item but it says I need visa . I have a debit MasterCard . Is the card going to be excepted as visa .
Finder
ShirleyJuly 21, 2014Finder
Hi Colette,
Thanks for your question.
If the website only accepts Visa, it’s likely that your transaction would be declined, rather than being accepted as Visa.
Cheers,
Shirley
guyJune 25, 2014
I have just completed my bank west application but am unsure if the confirmation email went through
Finder
ShirleyJune 27, 2014Finder
Hi Guy,
Thanks for your question.
Unfortunately finder.com.au doesn’t handle of the applications directly. Please contact the customer service team at Bankwest to enquire about the status of your application.
Cheers,
Shirely
NaumJune 10, 2014
Cannot remember my pin. What should I do?
Finder
ShirleyJune 11, 2014Finder
Hi Naum,
Thanks for your question.
Please contact the customer service team at Bankwest to retrieve your PIN.
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.
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.
Get complimentary overseas travel insurance, 0% foreign transaction fees and points per $1 spent on eligible purchases with the Bankwest More Platinum Mastercard.
The Bankwest Zero Platinum Mastercard has a $0 annual fee and 0% foreign transaction fees while boasting extras such as 0% purchase and balance transfer offers.
Compare the costs and features of the Bankwest Zero Classic Mastercard, including a balance transfer offer, a digital version of the card and Google Pay compatibility.
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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?
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
Im looking for a credit card with a 500 dollar minimum and 1000 max, is there anything like that in bankwest or only nab has this? I have my debit card with bankwest atm.
Hi Carolina,
Most the cards provided by Bankwest have a $1,000 minimum credit limit. However, since you’re an existing customer you may be able to request a card with a $500 minimum.
Cheers,
Shirley
I need to buy online item but it says I need visa . I have a debit MasterCard . Is the card going to be excepted as visa .
Hi Colette,
Thanks for your question.
If the website only accepts Visa, it’s likely that your transaction would be declined, rather than being accepted as Visa.
Cheers,
Shirley
I have just completed my bank west application but am unsure if the confirmation email went through
Hi Guy,
Thanks for your question.
Unfortunately finder.com.au doesn’t handle of the applications directly. Please contact the customer service team at Bankwest to enquire about the status of your application.
Cheers,
Shirely
Cannot remember my pin. What should I do?
Hi Naum,
Thanks for your question.
Please contact the customer service team at Bankwest to retrieve your PIN.
Cheers,
Shirley