7.7/10

Based on 6082 Bankwest product reviews as rated by the Mozo customers. More about the Mozo Customer Ratings.

Bankwest credit cards

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, winning ten awards across four categories, the 2023 Mozo Experts Choice Awards for travel money cards, even winning the award for travel credit card provider of the year. Bankwest also received a whopping 12 awards in the 2023 Mozo Experts Choice Credit Card Awards, including the title of Credit Card Provider of the Year for 2023. 

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

What credit cards do Bankwest offer?

Rates and fees verified as correct at 13 June 2024. Other information correct at the time of writing. Advertiser disclosure.

Low rate credit cards

Bankwest offer a range of low rate credit card options, boasting some seriously competitive interest rates. 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 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 on purchases

0% p.a. for 12 months then 12.99% p.a.

0% p.a. for 12 months and then 12.99% p.a. (2.00% balance transfer fee)

$49

55

0% p.a. for 12 months then 12.99% p.a.

0% p.a. for 12 months and then 12.99% p.a. (2.00% balance transfer fee)

$69

55

14.99% p.a.

0% p.a. for 28 months and then 14.99% p.a. (3.00% balance transfer fee)

$0

55

14.99% p.a.

0% p.a. for 28 months and then 14.99% p.a. (3.00% balance transfer fee)

$0

55

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 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 on purchases

0% p.a. for 12 months then 12.99% p.a.

0% p.a. for 12 months and then 12.99% p.a. (2.00% balance transfer fee)

$49

55

14.99% p.a.

0% p.a. for 28 months and then 14.99% p.a. (3.00% balance transfer fee)

$0

55

14.99% p.a.

0% p.a. for 28 months and then 14.99% p.a. (3.00% balance transfer fee)

$0

55

Rewards credit cards

If earning rewards points is your game, you're spoilt for choice with the Bankwest Rewards program! 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 Classic 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 150000 points per year

19.99% p.a.

0% p.a. for 6 months and then 19.99% p.a. (1.00% balance transfer fee)

$100

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

19.99% p.a.

0% p.a. for 6 months and then 19.99% p.a. (1.00% balance transfer fee)

$160

2.5 points per dollar on Mastercard, uncapped

19.99% p.a.

0% p.a. for 6 months and then 19.99% p.a. (1.00% balance transfer fee)

$270

0.6 points per dollar on Mastercard, up to $2,500 per month, then
0.3 points per dollar on Mastercard, uncapped

19.99% p.a.

2.99% p.a. for 9 months and then 19.99% p.a.

$160

1 point per dollar on Mastercard, up to $5,000 per month, then
0.5 points per dollar on Mastercard, uncapped

19.99% p.a.

2.99% p.a. for 9 months and then 19.99% p.a.

$270

Prestige 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% p.a. for 12 months then 12.99% p.a.

0% p.a. for 12 months and then 12.99% p.a. (2.00% balance transfer fee)

$69

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

19.99% p.a.

0% p.a. for 6 months and then 19.99% p.a. (1.00% balance transfer fee)

$160

2.5 points per dollar on Mastercard, uncapped

19.99% p.a.

0% p.a. for 6 months and then 19.99% p.a. (1.00% balance transfer fee)

$270

0.6 points per dollar on Mastercard, up to $2,500 per month, then
0.3 points per dollar on Mastercard, uncapped

19.99% p.a.

2.99% p.a. for 9 months and then 19.99% p.a.

$160

1 point per dollar on Mastercard, up to $5,000 per month, then
0.5 points per dollar on Mastercard, uncapped

19.99% p.a.

2.99% p.a. for 9 months and then 19.99% p.a.

$270

14.99% p.a.

0% p.a. for 28 months and then 14.99% p.a. (3.00% balance transfer fee)

$0

Frequent flyer credit 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

0.6 points per dollar on Mastercard, up to $2,500 per month, then
0.3 points per dollar on Mastercard, uncapped

19.99% p.a.

2.99% p.a. for 9 months and then 19.99% p.a.

$160

1 point per dollar on Mastercard, up to $5,000 per month, then
0.5 points per dollar on Mastercard, uncapped

19.99% p.a.

2.99% p.a. for 9 months and then 19.99% p.a.

$270

Frequently Asked Questions about Bankwest credit cards

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

You’ll get up to 55 interest free days on low rate or no annual fee options, and up to 44 days with a Bankwest rewards credit card. Keep in mind that this interest free period applies only as long as you pay the full balance of your credit card before the due date - including any balance transfers or cash advances. 

What fees might I be charged?

Unless you opt for a fee free card, you’ll be charged an annual fee for your Bankwest credit card. Other fees you might be charged include:

 - International transaction fees (unless you’re a platinum cardholder, in which case this one is waived.)

 - Some balance transfers may come with a handling fee

 - Late payment fees

 - Cash advance fees

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

Absolutely! If you’re looking to handle credit card debt by doing a balance transfer, you can do so with any of your Bankwest credit cards and some of the rates on offer are pretty impressive! If you’re opting for a Bankwest Breeze Mastercard, you get a longer low rate balance transfer period to pay off your balance, but this is one card where you will be hit with a balance transfer handling fee.
The very best reason to grab a Bankwest credit card for your balance transfer is that after the initial low interest rate period, anything you haven’t paid off will roll over to the purchase rate, rather than the much higher cash advance rate like with a lot of credit cards.

Can I use paypass with my Bankwest credit card?

Yep! Paypass or Tap ‘n’ Go are available on the Mastercard system, which is what Bankwest credit cards use.

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

Yes! Another benefit of the Mastercard system is that it’s accepted pretty much all over the world. That means your Bankwest credit card can take you wherever you want to go. But you should keep in mind that you’ll be charged a foreign transaction fee each time you use your card - except if you have a Platinum card. In that case, you can flash your plastic all over the world fee free.

What kind of insurance options does my Bankwest credit card offer?

If you’ve got a Platinum credit card of any kind from Bankwest, you’re eligible for a couple of different types of insurance. One is complimentary travel insurance for you and your family.
The other two - purchase security insurance and extended warranty insurance - relate to how you spend and use your credit card. The former gives you 3 months of cover for anything you buy that is lost, damaged or stolen and the latter extends the manufacturer's warranty on your purchases for up to 12 months.

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

Why not be rewarded for your spending? You’ve got two options with Bankwest credit cards, so here are the details on each one:

Bankwest More Mastercard

Each card has a different annual cap on points and you may earn different amounts of points on different cards. Check out the table below for the details:

More MastercardMore Platinum Mastercard
More World Mastercard
Points per $1 spent1.522.5
Annual cap on points150,000400,000No cap

You can earn points on heaps of different purchases, but there are a few exceptions. So, make sure your spending is going to good use and don’t count on earning points from:

 - Cash advances

 - Balance transfers

 - Fees or interest interest charges (from your credit card or any other financial products, for example bank fees)

 - Foreign exchange purchases

 - Anything related to gambling, including online

 - Business expenses

Bankwest Qantas Mastercard

You’ll earn a different amount of Qantas frequent flyer points for every $1 you spend, depending on which level of Bankwest Qantas MasterCard you have. Check out our table below for how many points your card will earn you:

Credit CardFrequent flyer points per $1 spent
Bankwest Qantas Platinum Mastercard0.75 up to $2,500 per month, then 0.3 uncapped
Bankwest Qantas World Mastercard1 point, up to $5,000 a month, then 0.5, uncapped

The highest is 0.66, which is not a great return, but not the lowest around either. You can redeem these points for a bunch of different rewards, including flights, accommodation, car hire or in the Qantas Store.

There’s one final thing you should keep in mind when you start racking up rewards points on your Bankwest credit card: before your points can be redeemed on either a Qantas Mastercard or a More Mastercard, you need to have spent $1,500 and been a card holder for 60 days.

And, to be sure you’re getting the most bang for your rewards card buck, check out our guide to calculating rewards points.

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

Unfortunately, credit card fraud is one of the risks of having a credit card. The good news is, there are a few ways you can limit that risk. 

Use SMS code. Sometimes, when you shop online with your Bankwest credit card, you’ll be sent an SMS code that you need to enter to complete the purchase. This gives you added security by making it harder for someone else to make purchases on your account - they won’t have your mobile phone, and so won’t know your SMS code.

Report stolen or lost credit cards to Bankwest as soon as possible. You can choose to either place a temporary lock on your card if you think you might find it (i.e. when you’re pretty positive it just slipped behind the couch cushions) or to cancel the card permanently if it’s gone for good (i.e. you saw it drive away in the backseat of a taxi).

If you see a transaction on your statement that you didn’t make it could be fraud. If you’re sure it’s not something you’ve forgotten or something an additional cardholder has bought (you told your kids it was for ‘emergencies only’, but sometimes, pizza seems like an emergency) then you can fill in a Transaction Dispute Form.

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.

Icon of credit-cards
Bankwest credit cards customer reviews
Overall
7.3/10
Price
6.9/10
Features
6.2/10
Customer service
7.4/10
Convenience
7.5/10
Trust
7.5/10
Based on 1084 Bankwest product reviews as rated by the Mozo customers. More about the Mozo Customer Ratings.
Mozo recommends that ratings are only one factor to be taken into account when deciding whether to take up any financial product offer.

Recent Bankwest credit card reviews

Bankwest Zero Mastercard
Overall 9/10
Good for overseas travel

This card has zero annual fee and has complimentary travel insurance. It also has no transaction fee for overseas purchases beside a favourable exchange rate. Every time I en countered an unauthorised transaction and reported it to the bank via internet banking mail, they swiftly process my dispute and reverse the fraudulant charges. I can't leave for overseas without it.

Read full review

This card has zero annual fee and has complimentary travel insurance. It also has no transaction fee for overseas purchases beside a favourable exchange rate. Every time I en countered an unauthorised transaction and reported it to the bank via internet banking mail, they swiftly process my dispute and reverse the fraudulant charges. I can't leave for overseas without it.

Price
9/10
Features
8/10
Customer service
8/10
Convenience
8/10
Trust
9/10
Less
Daphne, Queensland, reviewed 3 months ago
Bankwest Credit Card
Overall 7/10
Overall good bank, need improvements in supports

Easy to use online banking, customer service isn’t all the best. Tried to close one of my accounts and they refused to help me

Read full review

Easy to use online banking, customer service isn’t all the best. Tried to close one of my accounts and they refused to help me

Price
8/10
Features
7/10
Customer service
5/10
Convenience
8/10
Trust
8/10
Less
Amber, Western Australia, reviewed 3 months ago
Bankwest Breeze Mastercard
Overall 10/10
Convenient low cost credit card

convenient, interest free period of 15 months, no annual fee for first 12 months. Low credit card limit for affordability but still enough for travel and everyday bills. Fast approval and great service and communication. Easy access via mobile app.

Read full review

convenient, interest free period of 15 months, no annual fee for first 12 months. Low credit card limit for affordability but still enough for travel and everyday bills. Fast approval and great service and communication. Easy access via mobile app.

Price
10/10
Features
5/10
Customer service
10/10
Convenience
10/10
Trust
10/10
Less
Siouxsie, Queensland, reviewed 5 months ago
Bankwest Zero Mastercard
Overall 1/10
I rang up for a balance and to close my account.

I rang up for a balance and to close my account due to fraud activities, got the balance paid at least 3 days before due date and then have been charged on my next statement another fee. Rang to get an explanation that did not make any sense at all. So goodbye Bankwest

Read full review

I rang up for a balance and to close my account due to fraud activities, got the balance paid at least 3 days before due date and then have been charged on my next statement another fee. Rang to get an explanation that did not make any sense at all. So goodbye Bankwest

Price
1/10
Features
1/10
Customer service
1/10
Convenience
1/10
Trust
1/10
Less
Christine, Queensland, reviewed 6 months ago
Bankwest Credit Card
Overall 2/10
Wouldn't recommend

Took a card and was making lump sum contributions, missed the minimum and never heard anything. They listed a failed payment and despite paying the total outstanding within weeks they refused to amend. Never tried to reach out before the negative credit listing

Read full review

Took a card and was making lump sum contributions, missed the minimum and never heard anything. They listed a failed payment and despite paying the total outstanding within weeks they refused to amend. Never tried to reach out before the negative credit listing

Price
3/10
Customer service
3/10
Convenience
3/10
Trust
1/10
Less
C, New South Wales, reviewed 7 months ago

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:

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:

Or

Or

And

And

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

Credit card quick links