Bankwest Credit Cards

Updated 2 July 2019

With an established presence across Australia, Bankwest provides a wide range of financial products and services, including home loans and personal loans, transaction accounts, savings accounts and credit cards.

Offering a number of credit cards within its range, Bankwest focuses on service, providing value in its low rate and low fee cards, and useful features within its rewards cards and business cards.

Bankwest Zero Platinum Mastercard

Bankwest Zero Platinum Mastercard

9 reviews
More info
$0 saved over 9 months
Your savings
$ saved over 9 months
Calculate your savings icon
Bankwest Zero Credit Card

Bankwest Zero Credit Card

4 reviews
More info
$0 saved over 9 months
Your savings
$ saved over 9 months
Calculate your savings icon
Bankwest Breeze Mastercard

Bankwest Breeze Mastercard

135 reviews
More info
$0 saved over 26 months
Your savings
$ saved over 26 months
Calculate your savings icon
Bankwest Low Rate Business Mastercard

Bankwest Low Rate Business Mastercard

1 review
More info
$0 saved over months
Your savings
$ saved over months
Calculate your savings icon
Bankwest Breeze Platinum Credit Card

Bankwest Breeze Platinum Credit Card

5 reviews
More info
$0 saved over 26 months
Your savings
$ saved over 26 months
Calculate your savings icon

1 review
More info
points earned over 12 months
2.5 points
16.77% Complete (success)
More Rewards
115,000
points
16.77% Complete (success)
More Rewards
$270
p.a.
16.77% Complete (success)
Your points
$120,000 saved over 12 months
Calculate your savings icon

4 reviews
More info
points earned over 12 months
2 points
16.77% Complete (success)
More Rewards
75,000
points
16.77% Complete (success)
More Rewards
$160
p.a.
16.77% Complete (success)
Your points
$120,000 saved over 12 months
Calculate your savings icon

7 reviews
More info
points earned over 12 months
0.5 points
16.77% Complete (success)
Qantas Frequent Flyer
N/A
-1% Complete (success)
Qantas Frequent Flyer
$160
p.a.
16.77% Complete (success)
Your points
$120,000 saved over 12 months
Calculate your savings icon

3 reviews
More info
points earned over 12 months
1.5 points
16.77% Complete (success)
More Rewards
19,500
points
16.77% Complete (success)
More Rewards
$100
p.a.
16.77% Complete (success)
Your points
$120,000 saved over 12 months
Calculate your savings icon

1 review
More info
points earned over 12 months
1 point
16.77% Complete (success)
Business Rewards
28,000
points
16.77% Complete (success)
Business Rewards
$99
p.a.
16.77% Complete (success)
Your points
$120,000 saved over 12 months
Calculate your savings icon

4 reviews
More info
points earned over 12 months
0.66 points
16.77% Complete (success)
Qantas Frequent Flyer
N/A
-1% Complete (success)
Qantas Frequent Flyer
$270
p.a.
16.77% Complete (success)
Your points
$120,000 saved over 12 months
Calculate your savings icon

5 reviews
More info
points earned over 12 months
0.5 points
16.77% Complete (success)
Qantas Frequent Flyer
N/A
-1% Complete (success)
Qantas Frequent Flyer
$100
p.a.
16.77% Complete (success)
Your points
$120,000 saved over 12 months
Calculate your savings icon

Bankwest - Over 100 years

With a story that goes back more than a century, Bankwest now operates as a division of the Commonwealth Bank. Like its parent company, Bankwest offers a wide range of financial products, with more than ten credit cards available for personal and business use. From cards that can help keep costs down, to those that reward big spenders, Bankwest has something for everyone.

Types of Bankwest Credit Cards

When you compare Bankwest credit cards, you obviously need to know what types of cards are available so you can size up the options. To help you choose the best Bankwest credit card for you, we’re going to look at the various types of credit cards Bankwest has to offer, to then discuss who they work best for, what you should be aware of, and the various pros and cons of each option.

A low rate credit card has a low ongoing purchase rate. Within Bankwest’s range of low rate credit cards, its Breeze collection provides the bank’s lowest ongoing purchase rate. These include the Bankwest Breeze Mastercard and the Bankwest Breeze Platinum Card.

Why should you choose this type of card?

A low rate credit card can help cardholders keep costs down, allowing them to save on interest should they carry a balance. While the best way to save on interest is to clear your balance by the statement due date before it starts to accrue interest, this isn’t always possible.

Standard credit cards can have purchase rates that reach 22% p.a. and higher. If you carry a balance on these cards, interest will stack up pretty quickly. By choosing a low rate credit card with a purchase rate ranging between 10% p.a. and 13% p.a., you could save on interest when you carry a balance. This could help to pay down your balance faster to get back to $0.

A low rate card can obviously work well for cardholders who tend to carry a balance. However, this type of card may also be a good choice for first-time cardholders who are unfamiliar with credit. When you start out, it can be easy to overspend. But, with a low rate card, interest payments will remain lower as that balance gets repaid.

What should you look out for?

When it comes to credit cards, there is usually some sort of balance. If rates are low, annual fees will usually be higher, and vice versa. That means, when you compare low rate cards, you should check the annual fee to make sure the card still offers good value.

Both the Bankwest Breeze Mastercard and the Bankwest Breeze Platinum Card have annual fees in the range you would expect for a low rate card. But, it’s up to you to work out whether the low rates and the features on offer are worth the annual fee you will pay.

It’s also worth noting that low rate cards can be somewhat lacking in features. As you are paying less in interest, card providers generally offer fewer features in return. The Bankwest Breeze Mastercard keeps it pretty simple, but the Bankwest Breeze Platinum Card has more to offer in platinum perks, including no foreign transaction fees and included insurances.

Pros

  • Low ongoing purchase rate
  • Can help save on interest
  • Typically simple in style
  • Platinum versions can offer more features

Cons

  • Annual fees may be higher
  • Not too many features on offer

A no annual fee credit card has no annual fee for the life of the card. Each of the cards within Bankwest’s Zero collection has no annual fee, with options that include the Bankwest Zero Credit Card and the Bankwest Zero Platinum Mastercard.

Why should you choose this card?

A card with no annual fee is designed to help cardholders save money. Considering some cardholders pay hundreds of dollars in annual fees each year, these cards have the potential to offer ongoing savings, while still providing access to credit and a range of features.

If you’re looking to save money on your annual fee, a card with no annual fee could be a good option. Similarly, if you only keep a card for emergencies, a no annual fee card will be there when you need it, but you don’t have to worry about paying annual fees on it in the meantime.

As no annual fee cards tend to have fewer features, they can work well for cardholders who want a basic option. Many cardholders don’t need fancy features, so they obviously don’t want to pay for them. A card with no annual fee can keep things simple, allowing cardholders to only pay for what they actually need.

What should you look out for?

Cards with no annual fees tend to have higher purchase rates. So, if you want to keep costs as low as possible, it’s best to pay your balance in full by the due date each month. In this way, you can keep a credit card in your wallet for ‘free’, by paying no annual fees or interest.

If you want a card packed with features, you may not find what you’re looking for in the no annual fee range. Card providers typically offer big features and big rewards on cards with higher annual fees. If these are the things you want on your credit card, you may have to pay an annual fee.

The Bankwest Zero Credit Card keeps features simple, focusing on keeping costs low with no annual fee. The Bankwest Zero Platinum Card still has no annual fee, but has a few features up its sleeve, including insurance cover and no foreign transaction fees.

Pros

  • No annual fee can keep costs low
  • Works well as a ‘just-in-case’ card
  • Good for cardholders who want to keep features simple
  • Platinum cards can offer more features

Cons

  • Interest rates can be higher
  • Not many rewards or features offered

Known as gold cards, platinum cards and black cards, prestige credit cards are cards that offer more features and a higher earn rate on rewards. Cardholders generally have to meet stricter eligibility requirements to apply, and typically have to pay a higher annual fee.

Having phased out most of its gold cards, Bankwest now focuses on Platinum and ‘black’ World cards. These include the Bankwest Breeze Platinum Card and Bankwest Zero Platinum Card, the Bankwest Qantas Platinum Card and Bankwest Qantas World Card, and the Bankwest More Platinum Card and Bankwest More World Card.

Why should you choose this card?

Cardholders typically choose these types of cards because they want more from their credit card. Prestige cards usually offer more features, such as included insurances and airport lounge access, and if they also happen to be rewards cards, they will generally provide a higher earn rate, a higher points cap, and even bonus points.

Bankwest’s range of Platinum and World cards offer extras such as no foreign transaction fees, which can offer substantial savings when shopping online at international merchants, or in person while travelling overseas.

Other extras can include airport lounge access via LoungeKey (Bankwest More World Mastercard), and a range of insurances covering travel and retail purchases.

What should you look out for?

In the world of credit cards, you get what you pay for. If you want to take advantage of fancy features and increased earn rates, you will usually have to pay for them in higher annual fees and interest.

The features on these cards can offer additional value on these higher cost cards, but of course, they need to offer value to you, if they are to be worthwhile.

Prestige cards usually have a higher minimum credit limit and annual income requirement. So, it’s important to make sure you meet all eligibility requirements before you apply, while also making sure you can afford to keep the card in your wallet.

Pros

  • Can add value to the card
  • May increase points earn
  • May provide a higher points cap

Cons

  • Higher annual fee
  • Higher interest
  • Higher eligibility expectations
Yes, the Bankwest Qantas credit cards allow you to earn Qantas Frequent Flyer points (so long as you are already a member of the Qantas Frequent Flyer program).
Apart from the Qantas credit cards, Bankwest offers the Bankwest More credit cards, which are linked to its own Bankwest rewards program. The cards also come in platinum and world and have a range of shopping rewards for customers.

A rewards credit card allows cardholders to earn rewards on their credit card spending. Depending on the card, it will provide a certain number of points per dollar spent. Cardholders can then redeem those points within the card’s rewards program.

Bankwest has a selection of rewards cards available. Earning points on its More Rewards program are the Bankwest More Credit Card, the Bankwest More Platinum Card and the Bankwest More World Card.

Allowing cardholders to earn points on the Qantas Frequent Flyer program are the Bankwest Qantas Credit Card, the Bankwest Qantas Platinum Card and the Bankwest Qantas World Card.

Why should you choose this card?

If you want to earn something back on your credit card spending, a rewards card could be well worth looking in to. After all, if you’re using the card anyway, why not earn points and get something back in rewards?

In Australia, there are plenty of rewards programs and frequent flyer programs to choose from. The key is to choose the one that works best for you. For example, if you are a frequent traveller, a frequent flyer card, such as a Qantas credit card could be your best bet.

With a Qantas credit card – like those on offer from Bankwest – you could earn Qantas Points on your everyday spending, while earning bonus points when spending at Qantas. Rewards are focused on Qantas, providing flights and upgrades with Qantas and its partner airlines, as well as merchandise and gift cards from the online Rewards Store.

Alternatively, if you’re not much of a traveller, a rewards program, such as Bankwest’s More Rewards may be a better option. While you can redeem your points through Webjet for travel, you can also opt for merchandise and gift cards from the More Rewards online store, or cashback to spend as you like.

If you want to find out more about More Rewards, check out our review on the Bankwest More World Card.

What should you look out for?

The main thing to keep in mind when comparing rewards cards is value. You want to choose a rewards card that offers value in the rewards it provides, while also providing value for the spending you do most.

Rewards cards can have higher annual fees. It can be a good idea to work out what your expected annual spend will be, and then calculate how many points you will earn on each potential card. Once you know the value of that points earn, you can see if it’s more or less than the annual fee.

Interest on rewards cards can also be higher, which means they’re not generally a good option for cardholders who carry a balance. When you pay interest on a rewards card, you reduce the value of any points you earn.

You may also want to look at membership fees. Bankwest’s More Rewards has no membership fee, but Qantas does. Fortunately, quite a few of Bankwest’s Qantas credit cards waive the Qantas Frequent Flyer membership fee, saving cardholders $89.50.

Pros

  • Can offer rewards back on credit card spending
  • Can provide a range of rewards options to choose from

Cons

  • May have a high annual fee
  • May charge more in interest

Business credit cards are designed for business use. They can make it easier to handle business cashflow, offering handy accounting tools and interest free periods. Some also provide rewards, allowing cardholders to earn points on business spending.

Business credit cards within Bankwest’s range include the Bankwest Low Rate Business Mastercard and the Bankwest Business Large Rewards Mastercard.

Why should you choose this card?

If you want a credit card for business use, business credit cards can offer a number of handy features. They can make it easier to track business spending, reducing the need for petty cash. They can provide handy business tools, while also helping with business cashflow.

Low rate options such as the Bankwest Low Rate Business Mastercard can help to save on interest should you carry a balance. Meanwhile, business rewards cards such as the Bankwest Business Large Rewards Mastercard can provide rewards back on business spending.

What should you look out for?

As with any card, a business credit card has to be fit for purpose. Make sure the card you choose offers the features you need, while offering value for the way in which you use the card. For example, if you tend to carry a balance, a rewards card may not be the best option.

Look at the cost of using the card versus the value it offers in return. Both of Bankwest’s business credit cards provides up to three additional cardholders at no extra cost, but if you have a larger business that requires more cards, you will need to take that into consideration.

Pros

  • Ease cashflow with interest free periods
  • Handy business tools on offer
  • Track business spending
  • Earn rewards on business spending

Cons

  • Has to be fit for purpose
To do this, you need to know the Bankwest BPay Biller code, which is 9100, and you need to have your credit card number to use as a reference. If you are paying off your Bankwest card close to the due date, you should allow 2-3 business days for the payment to be processed, so make sure the payment is early enough before the cut-off date to avoid any late payment fees.

Recently Asked Questions

Something you need to know? Ask a our credit card expert a question.

Ask Roland a Question

Hi, I’m the site founder and I will personally answer your question within a business day.

By submitting this question you agree to our privacy policy.

10 questions (showing the latest 10 Q&As)

Victor

Victor

8 July 2019
How can I apply for platinum Mastercard online?
john bowman

john bowman

17 August 2017
what is the minimun payment this month on my breeze card
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    17 August 2017
    Hi John, 2% of the closing balance or $20.00, unless the closing balance is less than $20.00, in which case, the minimum repayment will be the closing balance.
Susan Nicholas

Susan Nicholas

3 July 2017
Can we earn Qantas F/Flyer points on your credit cards. We are members already
Linda

Linda

17 March 2017
Hi Roland I have the Qantas World Master card ($270 per year) it states in the notations that there is travel insurance attached to that.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    20 March 2017
    Hi Linda, yes the Qantas World is the most premium card and definitely has the overseas travel insurance. They do make you jump through some hoops to get the insurance. See below all the criteria you must satisfy to get the insurance.A cardholder automatically becomes eligible for this “International Travel Insurance” when they meet all of the following eligibility criteria: 1. they are travelling to an overseas destination; and 2. they purchase a return overseas travel ticket before leaving Australia; and 3. they spend at least A$500 on their prepaid travel costs (i.e. the cardholder’s travel costs that they pay for before leaving Australia, which includes the cost of their return overseas travel ticket; and/or airport/ departure taxes; and/or their prepaid overseas accommodation/travel; and/or any other of their prepaid overseas itinerary items); and 4. they pay these costs by one (or a combination) of the following methods: • by charging to their eligible credit card account; and/or • by redeeming their Bankwest More rewards points (excluding any points redeemed for Frequent Flyer programs); and/or • by paying with redeemable travel agency flight vouchers that were obtained by converting their Bankwest More Rewards points.
Linda

Linda

16 March 2017
I have a Qauntas world Master card from bank west. Do I have to purchase airfares for over seas travel or can I purchase accommodation or both to receive the insurance benefits?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    17 March 2017
    Hi Linda, I have found a PDF on the bankwest site that explains the insurance that comes with your card. The International Travel Insurance is only available for World Platinum and Gold MasterCards. Which level of card do you have?
Lesley Gulliver

Lesley Gulliver

16 March 2017
i am not a bankwest customer. Do you have to be a customer to apply for a credit card? thank you
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    16 March 2017
    Hi Lesley, you do not need to be a customer to apply. Best of luck with your application. You can apply directly from the Bankwest website.
Robyn

Robyn

8 March 2017
We're going on a trip to Italy and will be hiring a campervan or motor home. Does the Bankwest Platimum Mastercard cover the excess on these vehicles or do we need to take out separate insurance?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    9 March 2017
    Hi Robyn, you do have Rental vehicle insurance excess Limit of A$3,000 for World MasterCards & Platinum MasterCards as long as you have reached the eligible requirements. Check out the full details on this PDF that I have found on the Bankwest Site.
Suzanne Hauff

Suzanne Hauff

13 February 2017
I received an offer to transfer my credit card balances with zero interest for 12 months. Offer ends today. Is it possible to apply online?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    14 February 2017
    Hi Suzanne, sorry for the delay in this. Typically custom offers are required to be completed on the application form provided or in branch. Not to worry though as there are a heap of 0% balance transfer offers in market. Many are even much more than 0% for 12 months. Check out all the current 0% balance transfer deals. The main point on transfers is that they typically need to be between different bank. Therefore if you have Westpac debt, you can transfer this to NAB and so on.
alex

alex

31 October 2015
how many days before late payment fee is applied
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    2 November 2015
    Hi Alex, I assume a late payment fee is charged as soon as the account is overdue. Aka if your due date for payment was 1/10/2015 (and its a weekday), then you make payment a few days later, then the fee would apply. In many cases if you do make payment close to the due date you may be able to call and have the fee waived.
David

David

24 February 2014
Can you tell me which ATM's a BW Credit Card can be used at for free?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    25 February 2014
    Hi David, Bankwest customers can use both Bankwest ATMs AND Commonwealth bank ATMs. Many 7-Elevens also have ATMs available for Bankwest and Commonwealth Bank cutsomers to use. Find ones close to you on BankWest's 'find us' page: http://www.bankwest.com.au/find-us
Help us improve

By submitting this feedback you agree to our privacy policy.

My credit card is not listed

By submitting this form you agree to our privacy policy.