Compare Bankwest Credit Cards

Compare Bankwest credit cards, offering competitive low rates and introductory deals, available to applicants Australia-wide.

By   |   Updated 11 Mar 2024

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Comparing Bankwest credit cards

Bankwest Zero Platinum Mastercard

On website

Featured

Bankwest Zero Platinum Mastercard

Highlights

  • Annual fee waived.
  • 0% p.a. interest for 28 months on transferred balances (with a 3% balance transfer fee). Returns to 14.99% p.a. thereafter.
  • No charges for foreign transactions, plus complimentary international credit card travel insurance.
  • Offer valid for new customers within a specified timeframe. Additional fees and terms and conditions apply.

Pros

  • No annual fee to pay — ever.
  • Very long interest-free balance transfer offer.
  • No fees on purchases in a foreign currency.
  • Complimentary international travel insurance.

Cons

  • There is a 3% fee on balance transfers.
  • You can't earn rewards points.
Bankwest Zero Mastercard

On website

Bankwest Zero Mastercard

Highlights

  • Avoid annual fees for the duration of card ownership.
  • 0% p.a. for 28 months on transferred balances (with a 3% balance transfer fee). Returns to 14.99% p.a. thereafter.
  • Enjoy up to 55 days interest-free on purchases.
  • Offer exclusive to new customers for a limited time. Additional fees and charges, as well as terms and conditions, apply.

Pros

  • There is no annual fee for as long as you keep the card.
  • The current balance transfer offer is extremely competitive.
  • Interest on purchases is comparatively low.

Cons

  • Balance transfers incur a one-off fee.
  • You cannot earn credit card points.
Bankwest Breeze Platinum Mastercard

On website

Bankwest Breeze Platinum Mastercard

Highlights

  • Experience 0% p.a. interest on balance transfers for 12 months (with a 2% BT fee, then 12.99% p.a.).
  • 0% p.a. for 12 months on purchases (reverting to 12.99% p.a.).
  • Benefit from up to 55 interest-free days.
  • Offer exclusively for new customers within a specified period. Additional charges, along with terms and conditions, apply.

Pros

  • 0% p.a. on balance transfers for 12 months.
  • 0% p.a. for 12 months on purchases.
  • No foreign transaction fees.

Cons

  • There is no rewards program on this card.
  • There is a 2% BT fee.
Bankwest Breeze Mastercard

On website

Bankwest Breeze Mastercard

Highlights

  • Benefit from 0% p.a. interest on balance transfers for 12 months (with a 2% BT fee, then 12.99% p.a.).
  • 0% p.a. for 12 months on purchases (returning to 12.99% p.a.).
  • Enjoy up to 55 interest-free days on purchases.
  • Exclusive offer for new customers for a limited time. Additional charges, as well as terms and conditions, apply.

Pros

  • 0% p.a. on balance transfers for 12 months.
  • 0% p.a. for 12 months on purchases.
  • Up to 55 interest-free days on purchases.

Cons

  • There are no rewards on this card.
  • There is a 2% BT fee.

Bankwest credit cards offer a wide range of financial preferences, accommodating both those who spend heavily and those mindful of costs by providing competitive rates and fees alongside reward andFrequent Flyer credit card options. Bankwest distinguishes itself as one of the select banks offering a digital credit card, available for use before the arrival of your physical card in the mail.

Types of Bankwest credit cards

Bankwest provides a diverse selection of credit cards tailored to different lifestyles and preferences. From rewards cards to low rate credit cards, here are some of the key types available:

Benefits of Bankwest credit cards

When you choose a Bankwest credit card, you can enjoy a range of benefits that enhance your overall banking experience. Some common advantages include:

  • Rewards points for every dollar spent
  • Complimentary travel insurance
  • Contactless payment options for convenience
  • Price protection on certain purchases
  • Access to exclusive events and offers

Applying for a Bankwest credit card

The application process is straightforward if you want a Bankwest credit card. Here's a general overview of what to expect:

  1. Visit the Bankwest website or a branch to explore available credit card options.
  2. Choose the card that best suits your needs and financial goals.
  3. Complete the online application form with personal and financial details.
  4. Provide any necessary supporting documents as requested.
  5. Wait for approval, which typically takes a few business days.
  6. Once approved, receive your new credit card and activate it to start using it.

Managing your Bankwest credit card

After receiving your Bankwest credit card, it's essential to manage it responsibly to make the most of its benefits. Here are some tips for effective credit card management:

  • Monitor your spending and keep track of transactions.
  • Pay your bills on time to avoid late fees and interest charges.
  • Review your monthly statements for accuracy and report any discrepancies.
  • Stay within your credit limit to maintain a healthy credit score.
  • Contact Bankwest immediately if your card is lost or stolen.

Help choosing a Bankwest credit card

Further details on rates and fees, plus maximizing the benefits of promotional offers and rewards.

  • FAQs

  • Pros & cons

What are the benefits of a Bankwest credit card?

Bankwest credit cards offer various benefits, including rewards points, travel insurance, and exclusive perks like concierge services. These features make it easier to manage your finances and enjoy additional privileges as a cardholder.

How can I apply for a Bankwest credit card?

To apply for a Bankwest credit card, visit the Bankwest website or a branch to explore available options. Fill out the online application form with your details and submit any required documents. Once approved, you will receive your new credit card for immediate use.

Does Bankwest offer low-rate credit card options?

Yes, Bankwest provides low-rate credit card options for customers looking to save on interest charges. These cards come with competitive rates and may be suitable for individuals who carry a balance from month to month.

What should I do if my Bankwest credit card is lost or stolen?

If your Bankwest credit card is lost or stolen, it's crucial to act quickly to prevent unauthorized transactions. Contact Bankwest immediately to report the issue and request a replacement card. You may also need to review your recent transactions for any suspicious activity.

Can I access my Bankwest credit card account online?

Yes, Bankwest offers online banking services that allow you to manage your credit card account conveniently. Through the online portal or mobile app, you can check your balance, view transactions, make payments, and track rewards points effortlessly.

Pros

Rewards program

Bankwest credit cards offer a rewards program where users can earn points on their purchases, which can be redeemed for various benefits such as travel, merchandise, or cashback.

Low annual fees

Many Bankwest credit cards come with low annual fees, making them cost-effective options for users who want to minimize their credit card expenses.

Contactless payments

Bankwest credit cards support contactless payments, providing users with convenience and speed when making transactions at compatible terminals.

Balance transfer offers

Bankwest often provides attractive balance transfer offers, allowing users to transfer existing credit card balances to a Bankwest card at a low or 0% interest rate for a promotional period.

Fraud protection

Bankwest offers robust fraud protection measures on its credit cards, including real-time transaction monitoring and zero liability for unauthorized transactions, providing peace of mind to cardholders.

Cons

Limited acceptance

Bankwest credit cards may have limited acceptance compared to cards from larger banks, especially internationally, which could be inconvenient for users who frequently travel or shop online from overseas merchants.

High interest rates

Some Bankwest credit cards come with relatively high-interest rates, especially for cash advances or purchases made outside of promotional periods, potentially leading to higher costs for users who carry a balance.

Foreign transaction fees

Bankwest credit cards often charge foreign transaction fees for purchases made in a foreign currency, which can add up to significant expenses for users who frequently travel abroad or shop online from international retailers.

Reward redemption restrictions

The rewards program associated with Bankwest credit cards may have restrictions or blackout dates for redeeming points, limiting the flexibility of users in utilizing their accumulated rewards.

Limited customer service hours

Bankwest's customer service for credit card-related inquiries may have limited operating hours, which could be inconvenient for users who require assistance outside of standard business hours.