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 2018, was the named Travel Credit Card Provider of the Year in the Mozo Experts Choice Travel Money Awards.

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

Rates and fees verified as correct at 22 July, 2018. 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 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  

0% p.a. for 13 months then 12.99% p.a.

0% p.a. for 13 months and then 12.99% p.a. (2.00% balance transfer fee)

$79

55

Go to site

0% p.a. for 13 months then 12.99% p.a.

0% p.a. for 13 months and then 12.99% p.a. (2.00% balance transfer fee)

$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 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  

17.99% p.a.

2.99% p.a. for 9 months and then 17.99% p.a.

$0

55

Go to site

17.99% p.a.

2.99% p.a. for 9 months and then 17.99% p.a.

$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 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

Go to site

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

Go to site

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

Go to site

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

20.49% p.a.

2.99% p.a. for 9 months and then 20.49% p.a.

$100

Go to site

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

20.49% p.a.

2.99% p.a. for 9 months and then 20.49% p.a.

$160

Go to site

0.66 points per dollar on Mastercard, uncapped

20.49% p.a.

2.99% p.a. for 9 months and then 20.49% p.a.

$270

Go to site

Hide

Prestige cards 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 13 months then 12.99% p.a.

0% p.a. for 13 months and then 12.99% p.a. (2.00% balance transfer fee)

$99

Go to site

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

Go to site

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

Go to site

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

20.49% p.a.

2.99% p.a. for 9 months and then 20.49% p.a.

$160

Go to site

0.66 points per dollar on Mastercard, uncapped

20.49% p.a.

2.99% p.a. for 9 months and then 20.49% p.a.

$270

Go to site

17.99% p.a.

2.99% p.a. for 9 months and then 17.99% p.a.

$0

Go to site

Hide

Frequent flyer credit cards 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  

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

20.49% p.a.

2.99% p.a. for 9 months and then 20.49% p.a.

$100

Go to site

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

20.49% p.a.

2.99% p.a. for 9 months and then 20.49% p.a.

$160

Go to site

0.66 points per dollar on Mastercard, uncapped

20.49% p.a.

2.99% p.a. for 9 months and then 20.49% p.a.

$270

Go to site

Hide

**Saving based on the average difference in fees and charges over 3 years between the most competitive product Mozo can refer a consumer to and the average credit card product input by 6,863 consumers (average balance of $4,262 or balance transfer balance of $5,818, interest rate of 19.6% and annual fee of $36.50) who used the Mozo Credit Card Health Check tool between 1 January 2012 to July 2012.

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   10 / 10

Excellent service

As a pensioner with a walking disability, the staff always offer me a chair. Just excellent.

Full review

As a pensioner with a walking disability, the staff always offer me a chair. Just excellent.

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Maxwell (WA), reviewed 3 months ago

Bankwest

Bankwest Breeze Mastercard credit card review

Overall rating   9 / 10

So glad I switched

Always friendly, attentive and solution orientated staff in branch or phone. Website flows easily and I've been a happy new customer now for 9 months.

Full review

Always friendly, attentive and solution orientated staff in branch or phone. Website flows easily and I've been a happy new customer now for 9 months.

    Price   10 / 10

    Features   9 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Mel (WA), reviewed 4 months ago

Bankwest

Bankwest credit card review

Overall rating   8 / 10

Good service

Local and helpful.

Full review

Local and helpful.

    Price   9 / 10

    Features   8 / 10

    Customer service   9 / 10

    Convenience   9 / 10

    Trust   -1 / 10

Less

Rod (WA), reviewed 4 months ago

Bankwest

Bankwest Qantas Platinum Mastercard credit card review

Overall rating   8 / 10

Competitive rates

Have always helped us out when needed, with what ever we've requested.

Full review

Have always helped us out when needed, with what ever we've requested.

    Price   8 / 10

    Features   9 / 10

    Customer service   5 / 10

    Convenience   9 / 10

    Trust   9 / 10

Less

David (WA), reviewed 4 months ago

Bankwest

Bankwest credit card review

Overall rating   7 / 10

Better customer service than other banks

Bankwest have always followed up immediately on any wrong charges to my accounts. They also provide free travel insurance through a reputable underwriter.

Full review

Bankwest have always followed up immediately on any wrong charges to my accounts. They also provide free travel insurance through a reputable underwriter.

    Price   5 / 10

    Features   9 / 10

    Customer service   7 / 10

    Convenience   9 / 10

    Trust   7 / 10

Less

Patrick (WA), reviewed 5 months ago

Hide reviews

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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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