Bankwest credit cards

Bankwest
Bankwest's overall rating for credit cards

(as rated by the Mozo community)

7.3 / 10

based on 1026 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 12 November, 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?

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 spentAnnual cap on points you can earn
Bankwest Qantas Mastercard0.550,000
Bankwest Qantas Platinum Mastercard0.5200,000
Bankwest Qantas World Mastercard0.66No cap

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.

Bankwest credit cards

Overall 7.3

Price

Features

Customer service

Convenience

Trust

1018 Reviews

Recent Bankwest credit card reviews Recent Bankwest credit card reviews

Bankwest

Bankwest Qantas Mastercard credit card review

Overall rating   5 / 10

Okay banking if you're not fussy

Your monthly statement doesn't have clear breakdown details of your individual transactions.

Full review

Your monthly statement doesn't have clear breakdown details of your individual transactions.

    Features   4 / 10

    Customer service   5 / 10

    Convenience   3 / 10

    Trust   4 / 10

Less

Christina, Western Australia, reviewed 5 days ago

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Bankwest Breeze Platinum Mastercard credit card review

Overall rating   5 / 10

Not happy

Not happy with my bank.

Full review

Not happy with my bank.

    Customer service   7 / 10

    Convenience   7 / 10

    Trust   7 / 10

Less

Cathryn, Western Australia, reviewed 27 days ago

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Bankwest Breeze Mastercard credit card review

Overall rating   5 / 10

Need new one

I hate my bank.

Full review

I hate my bank.

    Features   3 / 10

    Customer service   0 / 10

    Convenience   0 / 10

    Trust   10 / 10

Less

Cathryn, Western Australia, reviewed 27 days ago

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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

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Maxwell, Western Australia, reviewed 7 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, Western Australia, reviewed 7 months ago

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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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