Bankwest Credit Cards

Compare Bankwest credit cards with low rates, balance transfer offers, rewards, no annual fee and premium benefits.

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Updated Aug 27, 2020. What changed?

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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. Its premium credit cards also feature complimentary extras that will appeal to shoppers and travellers alike.

Use this guide to compare Bankwest credit cards and offers based on the features and fees. We also look at some of the benefits of getting a credit card with Bankwest and how to apply so that it's easy for you to get your next credit card when you want it.

Bankwest Credit Card Offer

0% p.a. for 15 months on purchases and balance transfers
$0 first-year annual fee

Eligibility criteria, terms and conditions, fees and charges apply

Bankwest Credit Card Offer

This card offers an introductory rate of 0% p.a. on purchases and balance transfers for the first 15 months and a first-year annual fee waiver.

$0 first-year annual fee ($49 p.a. thereafter)
0% p.a. on purchases for 15 months (reverts to 9.9% p.a.)
0% p.a. on balance transfers for 15 months with no BT fee
Get a digital card as soon as your application is approved

Go to Site

More info

Compare Bankwest Credit Cards

Name	Balance transfer rate	Purchase rate	Bonus points	Annual fee
Bankwest Breeze Classic Mastercard	0% p.a. for 15 months	0% p.a. for 15 months, reverts to 9.9% p.a.	N/A	$0 annual fee for the first year ($49 p.a. thereafter)	Save with 0% p.a. on purchases and balance transfers for 15 months (with no BT fee). Plus, a $0 first-year annual fee.	Go to site More Info	Compare	loading Fetching your data...
Bankwest Zero Platinum Mastercard Finder Award	0% p.a. for 26 months with 2% balance transfer fee	14.99% p.a.	N/A	$0	Get 0% p.a. on balance transfers for 26 months (with a 2% BT fee), an ongoing $0 annual fee and 0% foreign transaction fees.	Go to site More Info	Compare	loading Fetching your data...
Bankwest Breeze Platinum Mastercard	0% p.a. for 15 months	0% p.a. for 15 months, reverts to 9.9% p.a.	N/A	$0 annual fee for the first year ($69 p.a. thereafter)	Get 0% interest on purchases and balance transfers for 15 months, a $0 first-year annual fee and no foreign transaction fees.	Go to site More Info	Compare	loading Fetching your data...
Bankwest Zero Mastercard	0% p.a. for 26 months with 2% balance transfer fee	14.99% p.a.	N/A	$0	Features an ongoing $0 annual fee and an introductory rate of 0% p.a. for 26 months on balance transfers (with a 2% BT fee).	Go to site More Info	Compare	loading Fetching your data...
Bankwest Qantas Platinum Mastercard	2.99% p.a. for 9 months	20.49% p.a.	50,000	$160	Earn up to 50,000 bonus Qantas Points when you meet the spend criteria. Plus, enjoy 0% foreign transaction fees & complimentary travel insurance.	More Info	Compare	loading Fetching your data...
Bankwest Qantas World Mastercard	2.99% p.a. for 9 months	20.49% p.a.	N/A	$270	Earn uncapped Qantas Points per $1 spent on eligible purchases, pay 0% foreign transaction fees and receive complimentary travel insurance.	More Info	Compare	loading Fetching your data...
Bankwest More Mastercard	0% p.a. for 6 months with 1% balance transfer fee	19.99% p.a.	19,500	$100	Earn 1.5 More Rewards Points per $1 spent, 19,500 bonus points when you meet the spend criteria and receive a 0% p.a. balance transfer offer.	More Info	Compare	loading Fetching your data...
Bankwest More Platinum Mastercard	0% p.a. for 6 months with 1% balance transfer fee	19.99% p.a.	75,000	$160	Earn 2 More Rewards Points per $1 spent, 75,000 bonus points when you meet the spend requirement and save with 0% foreign transaction fees.	More Info	Compare	loading Fetching your data...
Bankwest More World Mastercard	0% p.a. for 6 months with 1% balance transfer fee	19.99% p.a.	115,000	$270	Earn 115,000 bonus points when you meet the spend requirement, receive complimentary travel insurance and 10 LoungeKey passes per year.	More Info	Compare	loading Fetching your data...
Bankwest Low Rate Business Mastercard		11.99% p.a.	N/A	$99	Charges a low interest rate of 11.99% p.a. on purchases, cash advances and balance transfers. Plus, up to 3 additional cardholders at no cost.	More Info	Compare	loading Fetching your data...
Bankwest Business Large Rewards Mastercard	18.5% p.a.	18.5% p.a.	28,000	$99	Earn 28,000 bonus points when you meet the spend requirement, 1 reward point per $1 spent and add up to 3 additional cardholders at no cost.	More Info	Compare	loading Fetching your data...
Bankwest Corporate Mastercard	17.99% p.a.	17.99% p.a.	N/A	$138	Features unlimited cardholders, the ability to set spending limits and an annual fee waiver every year when $10,000 is spent on eligible purchases.	More Info	Compare	loading Fetching your data...

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Types of Bankwest Credit Cards

The range of Bankwest credit cards include low rate, no annual fee, rewards, frequent flyer and business options. There are also cards that provide additional perks for eligible cardholders, such as complimentary insurance and no international transaction fees.

Balance transfer credit cards

When you transfer your existing credit card balance to a new Bankwest credit card with a balance transfer offer, you can get an introductory low or 0% p.a. interest rate on the debt. This allows you to save money on interest charges and pay down your debt faster during the introductory period. After that, a standard interest rate will apply to any debt remaining from the transfer.

Low rate credit cards

Bankwest low rate credit cards offer a low, ongoing interest rate on purchases. If you carry a balance from month-to-month, this low rate can help you save money on interest charges when compared to regular credit cards.

No annual fee credit cards

If you don't use your card regularly or want to cut down on card costs, you may want to consider a Bankwest credit card with no annual fee. This type of card is designed to offer affordable access to credit by not charging a yearly account fee. However, as these cards come with higher interest rates than other Bankwest products, you might want to consider a low rate card if you're partial to carrying your balance.

Rewards credit cards

Bankwest rewards credit cards let you earn Bankwest More Rewards points on all eligible purchases. You can then redeem these points for rewards such as travel, gift cards and merchandise from the Bankwest More Rewards store. Rewards credit cards usually come with higher annual fees, so make sure you're taking advantage of the perks to help offset the cost of the card.

Frequent flyer credit cards

Bankwest frequent flyer credit cards earn you Qantas Points on all your eligible purchases, with Classic, Platinum and World Mastercard accounts available. Depending on the card you choose, you could also enjoy additional benefits such as free worldwide emergency card replacement, complimentary overseas travel insurance and no foreign transaction fees on overseas purchases.

Business credit cards

Bankwest offers a range of business credit cards designed to suit different needs, with features ranging from interest-free days, low rates and low annual fees to rewards programs. There are also options to get additional cards for your employees.

The benefits of banking with Bankwest

Some of the benefits of getting a credit card from Bankwest include:

Digital card

You can activate your 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 start using your account while you wait for the physical card to come in the mail.

Bankwest Platinum and World credit cards — travel insurance

If you have a Bankwest Platinum or World Mastercard, you can get complimentary overseas travel insurance when you have an open, eligible card. Your spouse and/or children can also get cover if they meet the eligibility requirements. Refer to the Bankwest credit card complimentary insurance booklet on the Bankwest website for more information, or check out our guide for a summary of this cover.

Bankwest Platinum and World credit cards — no overseas transaction fee

If you're a frequent traveller or often shop online, you could take advantage of the 0% international transaction fees available with a Bankwest Platinum or World credit card.

Worldwide emergency card replacement

Whether you're shopping in Australia or overseas, you'll have the peace of mind of Bankwest's emergency worldwide card replacement. If your card is lost or stolen, call Bankwest and they will block your card and arrange for a new one to be sent out to you.

Flexibility of rewards

Bankwest credit cards give you the choice of earning Bankwest More Rewards or Qantas Points for every dollar you spend on eligible purchases. You can then use these reward points to redeem flights or other travel, as well as products and experiences across categories including fashion, technology, homewares, food and wine and entertainment.

Mobile wallets and contactless payments

You can make contactless payments with your smartphone when you link your Bankwest credit card to your Google Pay, Apple Pay or Samsung Pay account. You can also purchase a Bankwest Halo payment ring and use it to tap and go at the terminal. Available for $15 and able to be linked to any eligible account, the Halo is waterproof, secure and does not require charging.

How to apply for a Bankwest credit card

If you're interested in getting a Bankwest credit card, you can compare your options here to find one that suits your needs. Then, just click the "Go to Site" link and you'll be taken to a secure online application.

The application should only take around 15 minutes to complete and you should get a response from Bankwest moments after submitting your application. Before you apply, make sure you meet the eligibility requirements and have the necessary documents on hand.

Application criteria

There are some basic eligibility requirements you need to meet to apply for a Bankwest credit card. We’ve listed the application criteria on each card’s review page, with requirements including:

Age. You must be at least 18 years old.
Income and credit history. You'll need to earn a regular income, meet a minimum annual income requirement and have a good credit rating.

Required documents

Personal information. You need to provide some basic information about yourself, including your residential address, date of birth and contact details.
Identification. If you're new to Bankwest, you'll need to provide at least two of the following forms of identification: Driver’s licence, Medicare card, passport or birth certificate.
Financial details. If you work for an employer, you may have to provide your two most recent payslips, and if you’re a new Bankwest customer, you have to show bank statements for the last three months. If you’re self-employed you have to show your two most recent Notice of Assessments from the tax office. You’re also required to provide information about your other income, assets, ongoing expenses and liabilities.

What happens next?

Once the online application has been completed, you will receive a reference number which can be quoted for any application inquiries with Bankwest. Bankwest may contact your employer or accountant to verify your current employment status. You may be required to provide some more details including income verification and original ID. Bankwest will get in touch to advise you within 10 working days. For any further inquiries please contact Bankwest via the "Contact Us" tab on their website and quote your reference number.

Frequently asked questions

If you want to know more about Bankwest credit cards, check out these answers to frequently asked questions. You can also ask us a question by using the form at the bottom of the page.

This depends on how you plan to use the card. If you won't regularly use the perks and are paying a higher annual fee for them, then you may want to consider a different option. When comparing Bankwest credit cards, think about your spending habits and needs, then weigh up the value of the perks against potential costs such as the annual fee and interest charges to decide if it's the right option for you.
If you can pay back your balance in full each month, you will be able to take advantage of the interest-free days available for eligible purchases. Note that interest-free days are not available with all Bankwest credit cards (particularly business options), so make sure you check the features of individual products before choosing a card.
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).
Documentation requirements differ depending on your employment status.
- Employed. If you’re a new Bankwest customer, you must provide two most recent payslips showing your account details and transaction history. If you’re an existing Bankwest customer, you must provide your Bankwest account statement showing your salary payments for the past three months.
- Self-employed. If you’re self-employed, you must provide your last two Notices of Assessment from the Australian Tax Office (ATO).
- Retired. If you get income from a Self Managed Super Fund (SMSF) or managed fund, you must provide tax returns from the last financial year and your most recent superannuation statement showing regular payments from the fund. If you get a pension, you must show your most recent pension statement.
- Rental income. You must provide a rental tenancy agreement and a monthly rental income statement.
These documents can be faxed or emailed to Bankwest and in most cases, the documents must have been issued within 18 months of your Bankwest credit card application.
Once you submit your online application for a Bankwest credit card, you will be contacted by email confirming the status of your credit card application.
You may be conditionally approved, approved in full or declined for a Bankwest credit card. If you’re conditionally approved for the card, you may need to provide Bankwest with additional information like financial statements.
The email with the application confirmation also has your application reference number. You can quote this number to a Bankwest representative if you need to check up on the status of your credit card application.
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 up to three additional cardholders to your Bankwest credit card account. Each cardholder must be 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.
The minimum payment is 2% or $20, whichever is greater. If you don't meet this minimum repayment, you'll be charged a late payment fee.
Please note that if you only pay the minimum repayment amount each month, your remaining balances will start collecting interest. If you want to avoid interest and take advantage of interest-free days on future purchases, you'll need to pay your balance in full.
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.
- 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.
- 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.
Bankwest credit cards can be used wherever Mastercard is accepted, including tens of millions of stores, online merchants and ATMs around the world. When you use your credit card overseas, there’s usually an international transaction fee. This fee is waived on Bankwest Platinum and World credit cards.
You may also be charged a cash advance fee and local ATM operator fee if you make a cash withdrawal using your Bankwest credit card.
For general credit card or account enquiries, you can call Bankwest on 13 17 19 between 8:00am-8:00pm (local time in your state), 7 days a week. Bankwest also offers these other contact numbers for specific situations:
- Bankwest credit card activation: 1300 796 844
- Overseas number: +61 8 9449 2840

Thank you for your feedback!

Amy Bradney-George

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Amy Bradney-George has been writing about personal finance for more than 13 years – including over 600 articles as a senior writer for Finder. Her work has also appeared in publications including Money Magazine, The Sydney Morning Herald, Financy, ABC News Australia and Equity Magazine. Amy has a Bachelor of Arts in Journalism and Drama from Griffith University.

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50 Responses

PaulNovember 21, 2019

How long does it take to get the Bankwest credit card?

finder Customer Care

JoshuaNovember 21, 2019Staff

Hi Paul,

Thanks for getting in touch with Finder. I hope all is well with you. 😃

That’s an interesting question, Paul. The answer is within 10 business days. Once your credit card application is approved, you will receive your card via the general Australia Post.

I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.

Have a wonderful day!

Cheers,
Joshua

PeterMarch 28, 2017

I have a Bankwest Platinum Debit card what fees are charged when using overseas ATMs and purchases. Thanks

ChesterMarch 29, 2017

Hello Peter,

Thanks for your question.

As stated on https://www.finder.com.au/bankwest-platinum-debit-mastercard the Bankwest Platinum Debit MasterCard does not charge any fees when using the card overseas. Though please be reminded that international ATM withdrawals attract overseas withdrawal fee since you are using a non Bankwest ATM machine. All in all that would be the only fee that may only occur when you use your Bankwest Platinum Debit MasterCard overseas.

Regards,
Chester

NormanJanuary 20, 2017

I currently have the Bankwest Qantas Transaction Account and debit MasterCard. Will I still be eligible for the bonus points if I apply for the Bankwest Qantas World MasterCard?

Thanks.

finder Customer Care

DeeJanuary 23, 2017Staff

Hi Norman,

Thanks for your question.

Yes, you are still eligible to receive the bonus points that come with Bankwest Qantas World MasterCard even if you currently hold a Bankwest transaction account and a debit card, provided you are able to meet all other eligibility criteria for the offer.

Just to let you know, the bonus offer for the Bankwest Qantas World MasterCard is not available to those who are upgrading from another Bankwest credit card to a Bankwest World MasterCard or those who currently hold a Bankwest Qantas MasterCard credit card or are a Complete Home Loan Package customer.

Cheers,
Anndy

SteveOctober 22, 2016

Hi There,

I am currently looking at the Bankwest zero platinum Mastercard but before I change I’m a little cautious of the fees.I own a 28 degrees Mastercard for travel and online purchases but will dump it the moment I decide on another card which is possibly this one. I’m trying to do a proper comparison but finder doesn’t really cater for a side by side comparison between 2 popular, yet, similar cards. Why is that? Finder allows me to do comparisons with other cards but not these 2

Thanks

finder Customer Care

MayNovember 3, 2016Staff

Hi Steve,

Thank you for your inquiry.

Sorry for the delayed reply. You can actually compare the credit cards free of annual and foreign transaction fees. They are categorised as credit cards with no foreign transaction and $0 annual fees.

Hope this has answered your question.

Cheers,
May

JordynAugust 5, 2015

Hi,

Do you have a credit card which could match or beat:
50 months interest free
$59/year admin fee

Thank you

finder Customer Care

JonathanAugust 6, 2015Staff

Hi Jordyn,

Thanks for your inquiry!

As of this time, there is no product on the market with 50 months interest-free. You may like to view our range of credit cards for comparing and choosing a card. You can select the “Go to Site” button of your preferred credit card to proceed with your application. You can also contact the provider if you have specific questions. A gentle reminder, please ensure to read through the relevant product disclosure statement and terms and conditions to ensure that you got everything covered before you apply.

Cheers,
Jonathan

Bankwest Credit Cards

Compare Bankwest credit cards with low rates, balance transfer offers, rewards, no annual fee and premium benefits.

In this guide

Card Types

Cards from

0% p.a. for 15 months on purchases and balance transfers$0 first-year annual fee

Bankwest Credit Card Offer

Compare Bankwest Credit Cards

Compare up to 4 providers

Types of Bankwest Credit Cards

Balance transfer credit cards

Low rate credit cards

No annual fee credit cards

Rewards credit cards

Frequent flyer credit cards

Business credit cards

The benefits of banking with Bankwest

Digital card

Bankwest Platinum and World credit cards — travel insurance

Bankwest Platinum and World credit cards — no overseas transaction fee

Worldwide emergency card replacement

Flexibility of rewards

Mobile wallets and contactless payments

How to apply for a Bankwest credit card

Application criteria

Required documents

What happens next?

Frequently asked questions

What’s the right Bankwest credit card?

Should I get a Bankwest card with perks?

Do I get benefits if I pay off my Bankwest card every month?

Can I conduct a balance transfer with Bankwest?

How can I earn frequent flyer points with a Bankwest credit card?

What information will I need for a Bankwest credit card application?

What happens after I apply for a Bankwest credit card?

Can I do a balance transfer if I already have a Bankwest credit card?

How do I ask for a credit limit increase on my Bankwest credit card?

How do I get a second card for a family member?

How much do I need to pay off my card each month?

How do I pay my Bankwest credit card?

Can I use my Bankwest credit card overseas?

How do I close or cancel my Bankwest credit card?

What is the Bankwest credit card contact number?

What ATMs can I use with a Bankwest card?

What is the history of Bankwest?

Amy Bradney-George

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0% p.a. for 15 months on purchases and balance transfers
$0 first-year annual fee