Bankwest credit cards

Bankwest
Bankwest's overall rating for credit cards

(as rated by the Mozo community)

7.7 / 10

based on 298 reviews

Are you ready to get a flashy new piece of plastic to add to your wallet? Credit cards can be convenient and a great way of spending if you know how to handle them properly. The first step is choosing the right card and provider for you. 

Bankwest has been around for 120 years and started out in rural Western Australia. It’s come a long way since then and in 2015, was the winner of two coveted Mozo Experts Choice Awards for Best Platinum Credit Card and Best Overseas Transaction Credit Card.

We’ve compiled a bunch of information about Bankwest credit cards so you can make the best choice about your plastic.

Top 5 credit cards 2015

Rates and fees verified as correct at 23 July, 2016. Other information correct at the time of writing.

What credit cards do Bankwest offer?

Low rate credit cards Low rate credit cards

Bankwest offer a range of low rate credit card options, boasting some of the lowest purchase rates on the market. These cards are perfect for day-to-day spending and people who love to shop up a storm. For extra features like complimentary insurance, you can opt for the Gold or Platinum card - it won’t affect your low rate, but remember it will mean higher fees. Also, keep in mind that the great interest rates don’t extend to cash advances, and you’ll be hit with much higher charges for visiting the ATM.

Product Purchase rate Balance transfer rate Annual fees Interest free days  

12.99%

2.99% for 9 months

$89

55

Go to site

12.99%

2.99% for 9 months

$59

55

Go to site

12.99%

2.99% for 9 months

$99

55

Go to site

Hide

Low fee credit cards Low fee credit cards

If you’re looking for a fee free credit card option, then look no further! With higher interest rates but zero annual fees, Bankwest fee free cards are great for spenders who are militant about paying off their full balance each month. You can even choose a Gold or Platinum card without paying an annual fee! The best news? Unlike some cards that start charging an annual fee after the first year, the Bankwest range is fee free for the life of the card.

Product Purchase rate Balance transfer rate Annual fees Interest free days  

12.99%

2.99% for 9 months

$59

55

Go to site

17.99%

2.99% for 9 months

$0

55

Go to site

17.99%

2.99% for 9 months

$0

55

Go to site

17.99%

2.99% for 9 months

$0

55

Go to site

Hide

Rewards credit cards Rewards credit cards

If earning rewards points is your game, you're spoilt for choice with Bankwest! There are two types of Bankwest credit cards that offer rewards for spending, depending on what kind of rewards you’re after.  Bankwest rewards cards offer a variety of great perks, including cashback, discounted travel and retail gift cards. You can choose from the Basic, Gold or Platinum version - the latter will get you higher limits on how many points you can earn, but they’ll also attract higher fees. No matter which card you opt for, keep in mind that Bankwest rewards points will expire after 36 months. All these goodies do come at a cost - you’ll pay a higher purchase rate as well as paying higher annual fees on both these cards.

Product Points per dollar Purchase rate Balance transfer rate Annual fees  

1.5 points per dollar on MasterCard, up to 200000 points per year

19.99%

2.99% for 9 months

$120

Go to site

1.5 points per dollar on MasterCard, up to 150000 points per year

19.99%

2.99% for 9 months

$70

Go to site

2 points per dollar on MasterCard, up to 400000 points per year

19.99%

2.99% for 9 months

$130

Go to site

0.5 points per dollar on MasterCard, up to 66667 points per year

20.49%

2.99% for 9 months

$150

Go to site

0.5 points per dollar on MasterCard, up to 50000 points per year

20.49%

2.99% for 9 months

$100

Go to site

0.5 points per dollar on MasterCard, up to 200000 points per year

20.49%

2.99% for 9 months

$160

Go to site

Hide

Prestige cards Prestige cards

Are you a bit of a globetrotter? Bankwest’s Frequent Flyer rewards cards will automatically convert your rewards points into Frequent Flyer miles to help you rack up a cheap-as-chips holiday. On premium Frequent Flyer cards, you’ll also be able to cash in on a number of free insurance options - including international travel insurance. There is a yearly cap on points you can earn, but these points never expire, so you can save up for the holiday of a lifetime! You’ll pay an annual fee on Bankwest Frequent Flyer cards, as well as the kind of hefty purchase rate you’ll find attached to most such rewards cards.

Product Points per dollar Purchase rate Balance transfer rate Annual fees  

12.99%

2.99% for 9 months

$99

Go to site

2 points per dollar on MasterCard, up to 400000 points per year

19.99%

2.99% for 9 months

$130

Go to site

0.5 points per dollar on MasterCard, up to 200000 points per year

20.49%

2.99% for 9 months

$160

Go to site

17.99%

2.99% for 9 months

$0

Go to site

Hide

Frequent flyer credit cards Frequent flyer credit cards

Premium perks aren’t out of reach with a prestige credit card from Bankwest in your pocket. With a Platinum masterCard from Bankwest, you can cash in on great freebies like your very own personal concierge, complimentary travel insurance, extended warranty cover, and purchase protection guarantee. If you’re budget is a little tighter, opt for a low rate or low fee version, or, if you don’t mind paying a little more in annual fees and interest, snag a rewards option to maximise the bonuses you can earn.

Product Points per dollar Purchase rate Balance transfer rate Annual fees  

0.5 points per dollar on MasterCard, up to 66667 points per year

20.49%

2.99% for 9 months

$150

Go to site

0.5 points per dollar on MasterCard, up to 50000 points per year

20.49%

2.99% for 9 months

$100

Go to site

0.5 points per dollar on MasterCard, up to 200000 points per year

20.49%

2.99% for 9 months

$160

Go to site

Hide

Frequently Asked Questions about Bankwest credit cards

    How many interest free days will I get with a Bankwest credit card?

    What fees might I be charged?

    Can I use my Bankwest credit card for a balance transfer?

    Can I use paypass with my Bankwest credit card?

    Can I use my Bankwest credit card while I’m travelling overseas?

    What rewards options do I have with my Bankwest rewards credit card?

    What do I do if I lose my card or am the victim of credit card fraud?

How are Bankwest credit cards rated?

Mozo users have rated Bankwest credit cards on price, features, convenience, trust and customer service so you can see what real Aussies have to say about their experiences.

Bankwest credit cards

Overall 7.7*

Price

Features

Customer service

Convenience

Trust

298 Reviews

* Overall rating based on reviews in the past 12 months.

Recent Bankwest credit card reviews Recent Bankwest credit card reviews

Bankwest

Bankwest credit card review

Overall rating   9 / 10

Excellent products, outstanding customer service.

Excellent product range, and outstanding customer service with every interaction.

Full review

Excellent product range, and outstanding customer service with every interaction.

    Price   7 / 10

    Features   6 / 10

    Customer service   9 / 10

    Convenience   9 / 10

    Trust   9 / 10

Less

Sonja (WA), reviewed 25 days ago

Bankwest

Bankwest credit card review

Overall rating   10 / 10

Fantastic service at all times.

I have never had any issues with Bankwest since I first came into contact with the company back in 2000. Customer service has always been exceptional and every time I have had the need to contact the bank the person that I have spoken too was...

Full review

I have never had any issues with Bankwest since I first came into contact with the company back in 2000. Customer service has always been exceptional and every time I have had the need to contact the bank the person that I have spoken too was always able to resolve the issue in one phone call. The Bankwest electronic banking service is simple to use and very convenient.

    Price   8 / 10

    Features   9 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Ian (NSW), reviewed 3 months ago

Bankwest

Bankwest More Platinum MasterCard credit card review

Overall rating   9 / 10

Their customer service is good

I like the honest up front way they have been with me over the years

Full review

I like the honest up front way they have been with me over the years

    Price   8 / 10

    Features   7 / 10

    Customer service   9 / 10

    Convenience   8 / 10

    Trust   9 / 10

Less

Neville (WA), reviewed 3 months ago

Bankwest

Bankwest credit card review

Overall rating   10 / 10

Brilliant Security

Bankwest's service and security for my credit card is second to none. They are always checking my transactions and alerting me to any suspicious transactions. Thanks Bankwest for peace of mind. Don't need to lose any sleep as I know Bankwest are...

Full review

Bankwest's service and security for my credit card is second to none. They are always checking my transactions and alerting me to any suspicious transactions. Thanks Bankwest for peace of mind. Don't need to lose any sleep as I know Bankwest are continually keeping an eye on my credit card. Thank you.

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Kylie (WA), reviewed 3 months ago

Bankwest

Bankwest Low Rate credit card review

Overall rating   7 / 10

Great customer service. Competitive interest rate.

Business has to be conducted online as regional branches do not exist. However, I have never had any problems communicating with the bank. They have the lowest interest rate that I am aware of. All banks should lower their interest charges on...

Full review

Business has to be conducted online as regional branches do not exist. However, I have never had any problems communicating with the bank. They have the lowest interest rate that I am aware of. All banks should lower their interest charges on credit cards, as interest rates on our savings are almost non-existent and wages are pretty well static and in some cases workers are losing more benefits.

    Price   7 / 10

    Features   3 / 10

    Customer service   7 / 10

    Convenience   7 / 10

    Trust   7 / 10

Less

Val (NSW), reviewed 3 months ago

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Mozo may receive a payment from financial providers listed on the site. Customer reviews are in no way affected by any commercial relationships Mozo has with providers.

What do you need to apply for a Bankwest credit card? What do you need to apply for a Bankwest credit card?

Now that you know all the details about Bankwest credit cards, it might be time to take the plunge and apply. To do that, you’ll have to:

  • be 18 years or older
  • be a permanent Australian resident
  • have a regular permanent income
  • have no other credit card applications that have already been conditionally approved.

If you tick all those boxes, you can start your application, either online, over the phone or in a Bankwest branch.

Here’s what you’ll need to have with you when you apply:

  • One form of primary I.D. with a current photo of you, like a driver’s license or passport

Or

  • Two types of primary I.D. without a photo, like a birth certificate

Or

  • One form of primary I.D. without a photo (e.g. birth certificate) as well as a form of secondary I.D. (e.g. a utility bill)

And

  • Proof of income, which can be 2 recent payslips, bank statements or tax returns, depending on what card you’re applying for and whether or not you’re new to Bankwest.

And

  • Contact info including an email and residential address

For more, you can check out our guide on how to apply for a credit card.

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