Quick Product Overview

Rewards credit card

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Low interest credit card

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Low fee credit card

✅

No interest credit card

❌

Balance transfer

✅

International travel insurance

✅ (on select cards only)

Bankwest Credit Cards on Offer

Bankwest’s suite of credit cards is broken up into four overarching categories, with 2-3 individual products in each category. See more information below.

Breeze - low rate

The two Breeze cards on offer come with a lower rate than on other Bankwest offerings. This can be useful if you expect to carry a balance from time to time. However they do come with annual fees.

There is a ‘Classic’ card, and a ‘Platinum’ card. The main difference is that the latter comes with complimentary international travel insurance and no foreign transaction fees, and a higher minimum credit limit.

Zero - no annual fee

As the name suggests Zero is the bank’s series of cards with no annual fee. To compromise the rates are slightly higher than on the Breeze products.

Again, these are broken up into ‘Classic’ and ‘Platinum’ products. The latter has a higher minimum limit, and no foreign transaction fees. In late 2024, however, Bankwest made the decision to axe complimentary travel insurance on the Zero Platinum card.

Qantas - earn points

For fans of the flying kangaroo, Bankwest’s Qantas cards could be tempting. Again, these are split up into two different cards: Platinum and World.

The Platinum product has has an earn rate of 0.6 Qantas points per dollar spent up to $2,500, and 0.3 points thereafter. The World’s earn rate is 1 point per dollar up to $5,000 then 0.5 thereafter.

The World has a much higher minimum credit limit and higher annual fee. Both come with complimentary travel insurance and no foreign transaction fees.

Rewards - earn points

If you want to just earn rewards points that aren’t necessarily tied to an airline, Bankwest has its Rewards program. There are three cards in this lineup, with the earn rates below:

  • More Classic: 1.5 points per $1 spent.

  • More Platinum: 2 points per $1 spent.

  • More World: 2.5 points per $1 spent.

The Classic has the lowest minimum credit limit, while the World has the highest, as well as the highest annual fee. In return, World users can get access to 10 complimentary airline lounge passes per year via the Mastercard Travel Pass program.

Both the Platinum and World products have complimentary travel insurance and no foreign transaction fees.

How to Apply

  • Be 18 years of age or older, and a citizen or an Australian permanent resident

  • Start an application and allow at least 15 minutes to complete it

  • Provide two of your most recent payslips if you’re a PAYG employee

  • Eligible identification (passport, drivers licence, Medicare card)

  • You may need to provide further income or ID verification

  • Satisfy minimum income criteria for certain products

  • Info about your income, expenses, assets, credit cards and other loans.

  • Have a good credit score