Best Value Bankwest Credit Cards

Overview of Bankwest credit card perks

1. Travel-related perks

   A standout feature across the Bankwest range is that the Zero Platinum Mastercard, Breeze Platinum Mastercard, Qantas Platinum Mastercard, Qantas World Mastercard and More World Mastercard come with no foreign transaction fees — something that isn’t standard across many other suites of credit cards. That means one less fee to worry about overseas, with options ranging from no annual fee through to travel insurance, lounge passes and Qantas Points, depending on your budget and what you value most.

   For premium travel benefits, the Bankwest More World Mastercard includes 10 complimentary airport lounge passes each year, complimentary overseas travel insurance and no foreign transaction fees.

   The Bankwest Breeze Platinum Mastercard combines complimentary overseas travel insurance and no foreign transaction fees with a low $59 annual fee, making it a strong-value option for travellers.

   The Bankwest Zero Platinum Mastercard also has no foreign transaction fees with no annual fee, offering a low-cost option for spending overseas.

   For Qantas Frequent Flyer members, the Bankwest Qantas Platinum and Qantas World Mastercards combine unlimited Qantas Points earning, complimentary overseas travel insurance and no foreign transaction fees. You can also continue earning Qantas Points on eligible overseas purchases without paying a foreign transaction fee.

2. Access to digital banking tools that help put you in control

   With a Bankwest credit card, you can access smart digital tools that help give you more control, flexibility and visibility over your money, with less effort. One standout is Bankwest Virtual Cards, which allows you to shop without needing to share your regular card details. Instead, you can create temporary card details linked to your Bankwest credit card, adding an extra layer of protection when shopping online — particularly on websites you haven't used before.

   You can create a single-use Virtual Card for one-off purchases, or set up a multi-use Virtual Card for regular spending or whilst travelling. You can set your own spending limit and end date, and adjust them as your plans change. Unlike adding your card to Apple or Google Pay, Virtual Cards use separate card details, giving you control over how they're used. And they're easy to set up through the Bankwest App.

   Bankwest's Subscriptions Manager helps take the hassle out of tracking recurring payments. The app brings subscriptions being paid for through your Bankwest account together in one view, showing how much you're spending each month or year and when payments are coming up. That makes it easier to spot forgotten subscriptions and decide what to keep or cancel, without digging through your credit card transactions.

   With Easy Instalments, eligible customers can also spread qualifying purchases of more than $100 (up to $10,000) over four monthly instalments at 0% p.a., offering more flexibility when managing larger expenses.

3. Rewards points

   Whether you’re looking to earn More Rewards Points or Qantas Points, Bankwest has options to make your everyday spending more rewarding.

   The Bankwest More World Mastercard earns up to 2.5 More Rewards Points per $1 spent on the first $2,000 each month on eligible purchases, with unlimited points earning. Points can be redeemed for cashback or digital vouchers, giving you flexibility to turn everyday spending into rewards that suit you. Choose from gift cards and vouchers at a wide range of popular Australian retailers, including supermarkets, or put your points towards travel and experiences such as flights, hotel stays and spa breaks.

   The Bankwest Qantas Platinum and Qantas World Mastercards both earn unlimited Qantas Points on eligible purchases, with Qantas World offering one of the higher initial Qantas Points earn rates in market — 1 Qantas Point per $1 spent on the first $3,000 each month on eligible purchases, then continuing to earn unlimited points at a lower rate.

4. Low purchase rate option available

   Low rate credit cards can be a popular choice, particularly if you expect to carry a balance from month to month, as a lower interest rate can help reduce the cost of your purchases. The Bankwest Breeze Platinum Mastercard has Bankwest’s lowest ongoing purchase rate of 12.99% p.a., with a low $59 annual fee.

   Eligible new customers can also get 0% p.a. on balance transfers for 24 months (a 3% balance transfer fee applies).

   And unlike a typical low-rate proposition, Breeze also comes with no foreign transaction fees and complimentary overseas travel insurance, adding useful value at home and when you travel.

5. No annual fee option available

   The Bankwest Zero Platinum Mastercard packs plenty of value into a card with no annual fee. It comes with no foreign transaction fees, a travel-friendly benefit that isn’t always standard on no-annual-fee cards.

   Eligible new customers can also get 0% p.a. on purchases and balance transfers for six months (a 3% balance transfer fee applies). If you pay off purchases before the introductory period ends, there are relatively few ongoing card fees to contend with.