Bankwest credit cards

You can apply for a Bankwest card regardless of where you live in Australia. Take advantage of their competitive low rates and introductory offers.

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Updated 6 Mar 2025   |   Rates updated regularly

Comparing of 9 Bankwest credit cards

Bankwest Zero Platinum Mastercard

Not available for application via this website

Featured

Bankwest Zero Platinum Mastercard

Balance transfer

6 months at 0% p.a.

Purchase rate

6 months at 0% p.a.

Interest-free days

55 days

Annual fee

$0.00 p.a. ongoing

Highlights

  • 0% p.a. for 6 months on purchases and balance transfers, with a 3% balance transfer fee. (Reverts to 18.99% p.a. thereafter.)
  • No foreign transaction fees, including when you're shopping at an overseas online store.
  • No annual fee to pay for the life of the card.
  • Put up to five eligible purchases on an interest-free payment plan with Easy Instalments.
  • Credit limits start from a minimum of $6,000.

Pros

  • No annual fee makes this an option for occasional or backup use.
  • Interest-free purchases and balance transfers for 6 months.
  • No foreign transaction fees for foreign currency or overseas purchases.
  • Interest-free repayments for up to five eligible purchases with Easy Instalments.
  • Credit limits start from a minimum of $6,000.
  • Up to 55 days interest-free when you pay the statement balance in full.
  • Balance transfers revert to the purchase rate instead of the higher cash advance rate.
  • Use up to 95% of your credit limit for balance transfers.

Cons

  • There is a 3% fee on balance transfers, which can be added to the balance if desired.
  • You can't earn rewards points, but that's not unusual for a no annual fee card like this.
  • There is a $500 minimum balance transfer amount, although most people transfer more.
Bankwest Zero Mastercard

Not available for application via this website

Bankwest Zero Mastercard

Balance transfer

6 months at 0% p.a.

Purchase rate

6 months at 0% p.a.

Interest-free days

55 days

Annual fee

$0.00 p.a. ongoing

Highlights

  • No annual fee for the life of the card.
  • 0% p.a. for 6 months on purchases and transferred balances (with a 3% balance transfer fee). Returns to 18.99% p.a. thereafter.
  • Add up to 3 additional cardholders at no extra cost.

Pros

  • The introductory balance transfer and purchase offers.
  • 18.99% p.a. interest rate on purchases is relatively low.
  • Up to 55 days interest-free on purchases.
  • As low as a $1,000 credit limit.
  • Temporarily lock your card anytime using the Bankwest App.
  • Easy Instalment Plans let you spread up to 5 purchases over four monthly payments at 0% p.a.
  • Compatible with Apple Pay, Google Pay, and Samsung Pay.

Cons

  • Balance transfers incur a 3% one-off fee.
  • You cannot earn credit card points on this card.
Bankwest Qantas Platinum Mastercard

Not available for application via this website

Bankwest Qantas Platinum Mastercard

Balance transfer

9 months at 2.99% p.a.

Purchase rate

20.49% p.a. ongoing

Interest-free days

44 days

Annual fee

$160.00 p.a. ongoing

Highlights

  • Get up to 50,000 Qantas Bonus Points when you spend $3,000 on eligible purchases in the first 90 days and keep your card open for over 15 months. Limited time. New customers only, other fees, T&Cs apply.
  • Earn 0.60 points per $1 on your first $2,500 spent on eligible purchases per month, then 0.3 points per $1 thereafter.
  • Get complimentary overseas travel insurance for you and your family when you book your flight with this card
  • No foreign transaction fees on online or overseas purchases.

Pros

  • Earn 50,000 bonus Qantas Points when you meet the eligibility criteria.
  • Includes extended warranty insurance and purchase security insurance (Conditions apply).
  • Uncapped Qantas Points earning potential.
  • Save $99.50 with a complimentary Qantas Frequent Flyer membership included with this card.
  • 2.99% p.a. balance transfer rate with no BT fee for the first 9 months.
  • Add up to 3 additional cards for free.
  • Easy Instalment Plans are available at 0%.
  • Compatible with Apple Pay, Google Pay, and Samsung Pay.

Cons

  • Other rewards cards offer a higher points earn rate.
  • No waiver on the annual fee of $160 per year.
  • The cash advance rate is 21.99% p.a.
  • Only up to 44 interest free days on purchases.
Bankwest More Mastercard

Not available for application via this website

Bankwest More Mastercard

Balance transfer

6 months at 0% p.a.

Purchase rate

19.99% p.a. ongoing

Interest-free days

44 days

Annual fee

$100.00 p.a. ongoing

Highlights

  • Earn up to 1.5 points per $1 spent on eligible purchases.
  • 0% p.a. on balance transfers for 6 months, with a 1% transfer fee. After that, it reverts to 19.99% p.a.
  • Add up to 3 additional cards at no extra cost.

Pros

  • You can earn up to 150,000 More Rewards points per year on this card.
  • An affordable $100 p.a. annual fee.
  • Redeem points for Webjet flights, hotels, and more.
  • Get up to 44 interest-free days on purchases.
  • As low as a $1,000 credit limit.
  • Easy Instalment Plans let you spread up to 5 purchases over four monthly payments at 0% p.a.
  • Compatible with Apple Pay, Google Pay and Samsung Pay.

Cons

  • A 1% BT fee applies.
  • There is a 2.95% foreign transaction fee.
  • The cash advance rate of 21.99% p.a. is relatively high.
  • No complimentary insurance included, which is common to the same type of credit cards.
Bankwest Breeze Platinum Mastercard

Not available for application via this website

Bankwest Breeze Platinum Mastercard

Balance transfer

24 months at 0% p.a.

Purchase rate

12.99% p.a. ongoing

Interest-free days

55 days

Annual fee

$59.00 p.a. ongoing

Highlights

  • Get 0% p.a. interest on balance transfers for 24 months, with a 3% balance transfer fee (then 12.99% p.a. thereafter).
  • No foreign transaction fees.
  • Plus, complimentary overseas travel insurance for you and your family.

Pros

  • 0% p.a. on balance transfers for 24 months.
  • Low ongoing interest rate of 12.99% p.a. on purchases.
  • Low annual fee of $59 p.a.
  • Add up to 3 additional cardholders at no extra cost.
  • Up to 55 interest-free days on purchases.
  • As low as a $6,000 credit limit.
  • Temporarily lock your card anytime using the Bankwest App.
  • Easy Instalment Plans let you spread up to 5 purchases over four monthly payments at 0% p.a.
  • Compatible with Apple Pay, Google Pay and Samsung Pay.

Cons

  • No rewards program on this card.
  • There is a 3% BT fee.
  • Cash advance rate is 21.99% p.a.
Bankwest Breeze Mastercard

Not available for application via this website

Bankwest Breeze Mastercard

Balance transfer

24 months at 0% p.a.

Purchase rate

12.99% p.a. ongoing

Interest-free days

55 days

Annual fee

$49.00 p.a. ongoing

Highlights

  • Get 0% p.a. interest on balance transfers for 24 months, with a 3% balance transfer fee (then 12.99% p.a. thereafter).
  • An annual fee of $49 p.a., making it an affordable option.
  • Add up to 3 additional cardholders at no extra cost.

Pros

  • 0% p.a. on balance transfers for 24 months.
  • Low ongoing interest rate of 12.99% p.a. on purchases.
  • Up to 55 interest-free days on purchases.
  • As low as a $1,000 credit limit.
  • Temporarily lock your card anytime using the Bankwest App.
  • Easy Instalment Plans let you spread up to 5 purchases over four monthly payments at 0% p.a.
  • Compatible with Apple Pay, Google Pay and Samsung Pay.

Cons

  • No rewards program on this card.
  • The 3% BT fee.
  • There is a 2.95% foreign transaction fee.
Bankwest Qantas World Mastercard

Not available for application via this website

Bankwest Qantas World Mastercard

Balance transfer

9 months at 2.99% p.a.

Purchase rate

20.49% p.a. ongoing

Interest-free days

44 days

Annual fee

$270.00 p.a. ongoing

Highlights

  • Get up to 100,000 Qantas Bonus Points when you spend $35,000 on eligible purchases in the first 5 months and keep your card open for over 15 months. New customers only, other fees, and T&Cs apply.
  • Earn 1 Qantas Point for every $1 spent, up to $5,000 each month. After that, earn 0.5 points per $1.
  • Uncapped Qantas Points earning potential.
  • Get complimentary overseas travel insurance for you and your family when you book your flight with this card.

Pros

  • Earn up to 100,000 Qantas Bonus Points when you meet the criteria.
  • Includes extended warranty insurance and purchase security insurance (Conditions apply).
  • No fees on overseas and online transactions.
  • 2.99% p.a. balance transfer rate with no BT fee for the first 9 months.
  • Save $99.50 with a complimentary Qantas Frequent Flyer membership included with this card.
  • Easy Instalment Plans are available at 0%.
  • Compatible with Apple Pay, Google Pay, and Samsung Pay.

Cons

  • An annual fee of $320 per year.
  • No lounge pass included.
  • You must meet the criteria for the minimum credit limit of $12,000.
  • Only up to 44 interest-free days on purchases.
Bankwest More World Mastercard

Not available for application via this website

Bankwest More World Mastercard

Balance transfer

6 months at 0% p.a.

Purchase rate

19.99% p.a. ongoing

Interest-free days

44 days

Annual fee

$270.00 p.a. ongoing

Highlights

  • Earn 2.5 points per $1 on eligible purchases.
  • With no foreign transaction fees, this card is a great choice for online and overseas purchases.
  • Take advantage of the 10 LoungeKey airport lounge passes per year at over 1,300 airport lounges worldwide,
  • Plus, this card comes with complimentary overseas travel insurance.

Pros

  • No cap on rewards earned annually.
  • 0% p.a. on balance transfers for 6 months with a 1% fee, then reverts to 19.99% p.a. after.
  • Get up to 3 additional cards at no extra cost.
  • Up to 44 interest-free days on purchases.
  • Credit limit starts at $12,000.
  • Easy Instalment Plans let you spread up to 5 purchases over four monthly payments at 0% p.a.
  • Compatible with Apple Pay, Google Pay and Samsung Pay.

Cons

  • No sign-up bonus when you apply for this card.
  • There is a 1% BT fee.
  • The annual fee of $270 p.a.
Bankwest More Platinum Mastercard

Not available for application via this website

Bankwest More Platinum Mastercard

Balance transfer

6 months at 0% p.a.

Purchase rate

19.99% p.a. ongoing

Interest-free days

44 days

Annual fee

$160.00 p.a. ongoing

Highlights

  • Earn 2 points per $1 spent on eligible purchases.
  • No foreign transaction fees on online and overseas transactions.
  • Comes with complimentary international credit card travel insurance.

Pros

  • You can earn up to 400,000 More Rewards points per year on this card.
  • 0% p.a. on balance transfers for 6 months with a 1% fee, then reverts to 19.99% p.a. after.
  • Add up to 3 additional cardholders at no extra cost.
  • Up to 44 interest-free days on purchases.
  • Credit limit starts at $6,000.
  • Easy Instalment Plans let you spread up to 5 purchases over four monthly payments at 0% p.a.
  • Compatible with Apple Pay, Google Pay, and Samsung Pay

Cons

  • Unlike the Bankwest More World Mastercard, this card does not include lounge access.
  • For high spenders, the 400,000 annual rewards cap might not be ideal
  • The annual fee of $160 p.a.
  • There is a 1% BT fee.

More about Bankwest credit cards

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

  • FAQs

What is the most popular Bankwest credit card?

Bankwest’s Breeze Mastercard is their most popular credit card.

Does Bankwest offer credit cards with an introductory balance transfer offer?

Yes, you can get a balance transfer credit card with Bankwest. However, Bankwest’s balance transfer deals are not typically the strongest in market. It’s worth checking what’s available before applying with them, since you could find a longer interest-free period elsewhere.

Does Bankwest offer credit cards for businesses?

Yes, a business can apply for a credit card with Bankwest.

Does Bankwest offer any credit cards with cashback rewards?

Yes. Points earned with Bankwest More Rewards can be converted to cashback.

Is there a low interest rate credit card available from Bankwest?

Bankwest provides low rate credit cards.

Does Bankwest offer frequent flyer credit cards?

Yes. Bankwest offers credit cards for frequent flyers.

Does Bankwest have credit cards with rewards points?

Yes. Bankwest offers credit cards that earn points with their Bankwest Rewards program.

What can Bankwest More Rewards points be used for?

More Rewards points can be converted to cash. Unlike other programs, they cannot be redeemed for merchandise or travel.

What rewards programs can be linked with Bankwest?

Some Bankwest credit cards can be linked with Qantas Frequent Flyer, with points deposited directly into your Qantas Frequent Flyer account.

How can a credit card from Bankwest be managed?

Cards can be managed via Bankwest online banking, app, telephone, or in a branch.

Can Bankwest credit cards be used with a digital wallet?

Yes. Apple Pay, Google Pay, and Samsung Pay are compatible.

Is it possible to have more than one Bankwest credit card?

Yes. You can have more than one credit card from Bankwest.

Are instalment plans available with a Bankwest credit card?

Instalment plans are available for some — but not all — transactions made with a Bankwest credit card. Once configured and approved, the transactions will be paid off in a fixed amount of time.

Who can apply for a credit card from Bankwest?

Applicants should be at least 18 years old. The amount of income required varies between cards. Applicants must have no bad credit in the credit report.

What documents are required when applying for a Bankwest credit card?

Bankwest will ask for an Australian driver's licence number, details of your income, expenses, debts, and proof of income (payslips, accounts if self-employed).

How long does it take for Bankwest to process an application?

You can get a decision within 60 seconds of applying. It could take around 2 days to fully process the application.

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