Bankwest Credit Cards
There are many details of Bankwest credit cards that allow this bank to stand out in the crowd. One is head and shoulders above the rest: the selection. Bankwest offers a variety of credit card types including: low rate; no annual fee; rewards; and classic, gold, and platinum. With many choices, consumers from all walks of life can find a credit card that matches their personal situation as well as their financial goals.
| credit card details | purchase rate (p.a.) | balance transfer (p.a.) | balance transfer period | annual fee | online application |
|---|
| credit card details | purchase rate (p.a.) | balance transfer (p.a.) | balance transfer period | annual fee | online application | |
|---|---|---|---|---|---|---|
|
Bankwest Breeze MasterCard No frills credit card with extremely low interest rate on purchases. |
10.99% | 4.99% | 12 months | $69 | top choiceApplication |
|
Bankwest Zero MasterCard No frills credit card with no annual fee for life & reasonable interest rates. |
1% for 6 months (reverts to 17.99%) |
4.99% | 12 months | $0 | editor's choiceApplication |
|
Bankwest Zero Platinum MasterCard Platinum level credit card with reasonable interest rates & a useful concierge service. |
1% for 6 months (reverts to 17.99%) |
4.99% | 12 months | $0 | |
Help with Choosing a Bankwest Credit Card
Every Bankwest card has a unique set of benefits. However, this does not mean that every card is going to be right for you. Your financial situation is unique to you and nobody else, so you need to select the credit card that will best fit in with the way that you are used to doing things.
No matter which credit card you apply for, it will enable you to buy services and goods without paying cash. While this advantage is shared by every card, there are finer details to consider.
- How often will you use your credit card? – If you use your card often, you may prefer one with a low interest rate. On the other hand, if you only use your credit card for large purchases, for example, you may be more interested in a no annual fee offer. Similarly, businesses and frequent travellers may be more interested in a credit card linked with a frequent flyer program.
- Do you pay off your balance at the end of every month? – You need to be honest with yourself as you answer this question. If you only make the monthly minimum payment, you have to choose a card with a low interest rate or one with a cheap balance transfer deal to help cut your interest down. Consumers who always pay off their balance don’t have to worry about this detail and may be more inclined towards applying for a rewards program card.
- Are you the type of person who enjoys travelling? – In addition to a credit card with a rewards program, apply for one that offers a level of accident and travel insurance.
Pros
- Many credit cards within the four major categories – With a larger selection it is easier to find an offer that is perfect for you and your finances.
- Worldwide acceptance – Every card is accepted at more than 32 million locations around the world. No matter if you are shopping at home or internationally, using a card from Bankwest won’t be an issue.
- Rewards – Bankwest’s rewards program is generous, allowing you to earn points as you spend and redeem those points for a range of goods and services from partner companies.
- Easy access – Bankwest is well known for its highly secure online banking system with access to your account 24 hours a day, 7 days a week.
Cons
- Eligibility – Many of Bankwest’s offers are accompanied by strict eligibility requirements, such as a high annual income.
- Short term introductory rates – Once your introductory rate comes to an end, your interest rate will increase. Bankwest’s offers can be very competitive, and at times not so much.