Bankwest Credit Cards

Bankwest is a provider of credit cards, bank accounts, home loans, personal loans, insurance, and financial advice.

Compare Bankwest Credit Cards

Compare Bankwest banking products at CanstarIf you’re considering a Bankwest card, check out what’s available below in our comparison table based on a monthly spend of $1,000. Please note that this table has been sorted by annual rate (lowest to highest).

Types of Bankwest credit cards

There are 4 different types of Bankwest credit cards at the time of writing:

Bankwest credit cards Bankwest Qantas Mastercard
More Mastercard
Breeze Mastercard
Zero Mastercard (Low Fee)

Within each of these 4 types of card, there are 2 levels for each type: Classic or Platinum. Your financial details will determine which level of card you are eligible for. For the purposes of comparison, we have provided more detail below about the Platinum level for each card type.

At the time of writing, sign-up bonuses apply to certain cards. For example, the Bankwest More Platinum Mastercard offers 75,000 bonus points if you spend $48,000 in one year (conditions apply). In addition, you can qualify for a 0% p.a balance transfer rate for the first 24 months on the Breeze Mastercard.

All Bankwest credit cards offer the following benefits:

  • Additional cardholders: Option to have up to 3 additional cardholders.
  • Online: Cards can be managed using 24/7 online banking or the mobile app.
  • Emergency card replacement: Worldwide emergency card replacement available at no cost.
  • Easy Alerts: Set up customised alerts for low balance (to prevent overspending), or to warn of possible unauthorised international transactions. (We’ve written more about this app function, which won our 2016 Innovation Excellence Award, on our website.)

Source: Bankwest

The inclusions mentioned represent a selection of what is covered at the time of writing. Additional terms and conditions may apply to different features. Additional fees may apply to the product. CANSTAR is not making any suggestion or recommendation to you about this product. Please ensure that you read the product disclosure statement to determine all the current options and inclusions for the product you are considering.

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Bankwest Qantas Mastercard (Platinum)

Bankwest QANTAS Platinum

Features

  • Card type: Mastercard
  • Minimum credit limit: $6,000
  • Maximum credit limit: Unlimited
  • Home loan package: Platinum level card is available as part of the Complete Home Loan Package.
  • Additional cardholders: Option to have up to 3 additional cardholders.
  • Digital wallet: Smartphone payments via digital wallet are enabled for Android Pay.
  • Online: Cards can be managed using 24/7 online banking or the mobile app.
  • Emergency card replacement: Worldwide emergency card replacement available at no cost.
  • Easy Alerts: Set up customised alerts for low balance (to prevent overspending), or to warn of possible unauthorised international transactions. (We’ve written more about this app function, which won our 2016 Innovation Excellence Award, on our website.)
  • Rewards program: Earn Qantas Points for money spent using the card.

Compare Frequent Flyer Credit Cards

Bankwest More Mastercard (Platinum)

Bankwest MORE Platinum

Features

  • Card type: Mastercard
  • Minimum credit limit: $6,000
  • Maximum credit limit: $100,000
  • Home loan package: Platinum level card is available as part of the Complete Home Loan Package.
  • Additional cardholders: Option to have up to 3 additional cardholders.
  • Digital wallet: Smartphone payments via digital wallet are enabled for Android Pay.
  • Online: Cards can be managed using 24/7 online banking or the mobile app.
  • Emergency card replacement: Worldwide emergency card replacement available at no cost.
  • Easy Alerts: Set up customised alerts for low balance (to prevent overspending), or to warn of possible unauthorised international transactions. (We’ve written more about this app function, which won our 2016 Innovation Excellence Award, on our website.)
  • Rewards program: Earn Bankwest More Rewards for money spent using the card.

Compare Rewards Credit Cards

Breeze Mastercard (Platinum) (Low Rate)

Bankwest BREEZE Platinum

Features

  • Card type: Mastercard
  • Minimum credit limit: $6,000
  • Maximum credit limit: Unlimited
  • Additional cardholders: Option to have up to 3 additional cardholders.
  • Digital wallet: Smartphone payments via digital wallet are enabled for Android Pay.
  • Online: Cards can be managed using 24/7 online banking or the mobile app.
  • Emergency card replacement: Worldwide emergency card replacement available at no cost.
  • Easy Alerts: Set up customised alerts for low balance (to prevent overspending), or to warn of possible unauthorised international transactions. (We’ve written more about this app function, which won our 2016 Innovation Excellence Award, on our website.)

Compare Low Rate Credit Cards

Bankwest Zero Mastercard (Platinum) (Low Fee)

Bankwest ZERO Platinum

Features

  • Card type: Mastercard
  • Minimum credit limit: $6,000
  • Maximum credit limit: Unlimited
  • Additional cardholders: Option to have up to 3 additional cardholders.
  • Digital wallet: Smartphone payments via digital wallet are enabled for Android Pay.
  • Online: Cards can be managed using 24/7 online banking or the mobile app.
  • Emergency card replacement: Worldwide emergency card replacement available at no cost.
  • Easy Alerts: Set up customised alerts for low balance (to prevent overspending), or to warn of possible unauthorised international transactions. (We’ve written more about this app function, which won our 2016 Innovation Excellence Award, on our website.)

Compare Low Fee Credit Cards

CANSTAR provides an information service. It is not a credit provider, and in giving you information about credit products CANSTAR is not making any suggestion or recommendation to you about a particular credit product.
If you decide to apply for a credit card you will deal directly with the financial institution, and not with CANSTAR. Rates and product information should be confirmed with the relevant financial institution. For more information, read our detailed disclosure, important notes, and additional information. 

Bankwest FAQs

To apply for any of the Bankwest credit cards, you must be able to satisfy the following criteria:

  • At least 18 years old.
  • Permanent Australian resident.
  • Good credit history.

For more information on eligibility requirements, refer to the Bankwest website.

First, check whether you are eligible to apply for a Bankwest credit card. See above for the eligibility requirements.

If you meet the eligibility requirements, you can apply online, in-store at a branch, or call 13 17 19 (open 7 days, Mon-Sun). Have your ID and income details handy and check our list of documentation you may need when applying for a credit card.

In some cases, an instant response cannot be made and you will need to provide further information before the card can be approved; in this case, the card provider will contact you. You can check your application status at any time using the online contact form.

You can manage Bankwest credit card through Bankwest Online Banking (BOB) for PC or mobile device. Use online banking to do things like view your recent transaction history, view your balance, and more.

When interest is charged

Interest is charged when you carry a balance on your Bankwest credit card. Interest is charged on cash advances from the date of withdrawal (fees and charges apply) and balance transfers from the date of transfer.

When interest is not charged

Up to 44 or 55 interest-free days apply to Bankwest credit card purchases (depending on your choice of card). Interest-free days only apply if you have paid the balance in full for the previous month’s statement and for the current month’s statement (the statement on which the purchases are listed).

Your credit limit for Bankwest credit card will be determined based on the information you provide in your application, keeping in mind the minimum and maximum credit limits available for each card. Find out more about how credit limits are determined here.

To decrease your credit limit, call 13 17 19, visit a branch, or post a written request to Bankwest, Reply Paid 64, Perth WA 6838. You can register to receive invitations to increase your credit limit as you become eligible, or call 13 17 19 to apply for a credit limit increase.

You can apply for additional cardholders on a Bankwest credit card at the time of applying for a Bankwest credit card, or by visiting a branch and completing an additional cardholder request form. Additional cardholders must be aged over 16 years old.

You can close your Bankwest credit card account at any time by contacting Bankwest:

  • Phone: 13 17 19 (open 7 days, Mon-Sun) (within Australia)
  • Post: Bankwest, PO Box E237, Perth WA 6841

Your card balance will need to be repaid in full even after the card is closed. You will continue to receive monthly statements until your card balance is fully repaid.

If you are experiencing financial hardship, contact the customer service team to get help in making repayments.

If you are closing your Bankwest credit card because you’re not satisfied with it, consider your other options when it comes to credit cards:

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Bankwest was founded in 1895 by the state government to provide for farmers, under the name Agricultural Bank of Western Australia. In a mission to serve customers across the wide and relatively empty state of WA, Bankwest staff would hit the road and travel for miles between farms, sleeping on the side of the road. In 2008, Bankwest joined the Commonwealth Bank Group.

Bankwest was responsible for a number of banking “firsts” in Australia – they launched blue light signature verification units, drive-through bank branches, WA’s first after-hours cash dispenser (the pre-cursor to the ATM), and were Australia’s first bank to fully implement electronic data processing. They were also the first bank in WA to give women jobs as bank tellers.

Source: Bankwest

Bankwest demonstrate a strong level of commitment to supporting the Australian community. In 2013, they established the Bankwest Foundation to improve the well-being of WA communities and Australians around the country, providing grants of $1 million per year. So far Bankwest has provided Easy Grants to over 1,300 community groups.

Bankwest is proud to sponsor worthy causes such as Telethon fundraising for children, the West Australian Ballet, Teen Challenge WA, the Committee for Economic Development of Australia (CEDA), and the West Coast Eagles AFL Club. They also support the arts through the Bankwest Art Prize and the Bankwest Art Collection, among other initiatives. Bankwest also gives employees time to volunteering for the charitable causes they care about.

As for protecting the environment, Bankwest has done well. Parent company the Commonwealth Bank’s 2015 sustainability report shows that Bankwest has reduced their emissions by far more than their targets (63% over 45% target for scope 1, 39% over 30% target for scope 2).

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Bankwest Credit Card

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Award: 3-Star Rating Credit Card

Low Fee, Premium

Breeze Mastercard, Breeze Platinum Mastercard, Zero Mastercard, Zero Platinum Mastercard

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Written by: TJ Ryan | Last updated: