Bank of the West credit card number

With your Central West Credit Union card you can also make Visa payWave the way you pay. Visa payWave is convenient, fast and secure - just tap and go.

For Visa payWave transactions under $100 simply tap your Visa payWave enabled card. For Visa payWave transactions over $100, tap and enter your PIN. Please note, the daily limit of Visa payWave transactions is $500, once this limit is reached you will need to insert your card. The maximum daily number of transactions is 20

Bankwest credit cards offer something for both big spenders and the cost-conscious, with competitive rates and fees, as well as reward and frequent flyer cards. It's also one of the few banks that offers you a digital credit card before your physical card arrives in the mail.

Bankwest: 2022 Credit Card Provider Customer Satisfaction Winner

Compare Bankwest Credit Cards

• Bankwest balance transfer credit cards

A Bankwest credit card with a balance transfer offer gives you an introductory low or 0% p.a. interest rate when you transfer an existing credit card balance to your new Bankwest card. This helps you save money on interest charges and pay down your debt faster during the introductory period. After that, a standard interest rate will apply to any debt remaining from the transfer.

• Bankwest low rate credit cards

Bankwest low rate credit cards offer a low, ongoing interest rate on purchases. If you carry a balance from month-to-month, this low rate can help you save money on interest charges when compared to regular credit cards.

• No annual fee credit cards

Bankwest offers two no annual fee credit cards: the Bankwest Zero Mastercard and Bankwest Zero Platinum Mastercard. Both cards never charge an annual fee, which could help you save around $25 to $400 or more compared to cards that do have an annual fee. They also have competitive interest rates for $0 annual fee cards – plus complimentary insurance and no foreign transaction fees on the Bankwest Zero Platinum card.

Bankwest rewards credit cards let you earn Bankwest More Rewards points on all eligible purchases. You can then redeem these points for rewards such as travel, gift cards and retail items. Rewards credit cards usually come with higher annual fees, so make sure you're taking advantage of the perks to help offset the cost of the card.

• Frequent flyer credit cards

Bankwest frequent flyer credit cards give you a way to earn Qantas Points on all your eligible purchases. You can choose between the Bankwest Qantas Platinum and Bankwest Qantas World Mastercard, with perks including complimentary overseas travel insurance and no foreign transaction fees.

Bankwest business credit cards are designed to make it easier to manage work expenses and financial reporting, with features including additional cards for employees, interest-free days and mobile payments. You can choose from a low rate or rewards card for smaller businesses, or a corporate card if you run a medium to large business.

Here are some of the key benefits you can get with a Bankwest credit card:

You can activate your Bankwest card and view your account details through the Bankwest app as soon as your application is approved thanks to the digital card feature. This gives you a way start using your account while you wait for the physical card to come in the mail.

If you've lost your card or want to block transactions at any time, you can put a temporary lock on your credit card through the Bankwest app, online banking or by calling Bankwest on 13 17 19.

• Worldwide emergency card replacement

If you're overseas, you can report your card as lost, stolen or damaged and request a replacement through the Bankwest mobile app or by calling Mastercard on +1 636 722 7111. You can also use the digital card by logging into the Bankwest app.

• Bankwest Platinum and World credit cards — travel insurance

With a Bankwest Platinum or World Mastercard, you can get access to complimentary overseas travel insurance when you meet the eligibility requirements. Your spouse and/or children can also get cover if they meet the eligibility requirements. As with any insurance, there are different conditions and requirements, so make sure you read the insurance policy document on the Bankwest website for full details.

• Bankwest Platinum and World credit cards — no overseas transaction fee

If you're a frequent traveller or often shop online, you could take advantage of the 0% international transaction fees available with a Bankwest Platinum or World credit card. This could save you around 2-3% compared to some credit cards and debit cards that charge foreign transaction fees.

If you want to use your smartphone or another mobile device to make payments, you can add your Bankwest credit card to any of the following mobile wallets:

The eligibility requirements are different for each Bankwest credit card, and are listed in full on their review pages. But the following are requirements you'll need to meet for any Bankwest card:

• Age. You must be at least 18 years old.
• Income and credit history. You'll need to earn a regular income, meet a minimum annual income requirement and have a good credit rating.

How long does it take to apply?

You can apply for a Bankwest credit card in around 15 minutes online and will get a response from Bankwest moments after submitting your application. Before you apply, make sure you meet the eligibility requirements and have the necessary documents on hand.

Information and documents you need to apply

Bankwest credit card applications include basic details everyone needs to fill in, and specific information to help verify details such as your income and identity. The key details include:

• Personal information. You need to provide some basic information about yourself, including your residential address, date of birth and contact details.
• Identification. If you're new to Bankwest, you'll need to provide at least two of the following forms of identification: Driver’s licence, Medicare card, passport or birth certificate.
• Details if you're employed. If you receive PAYG income, you have to provide your 2 most recent payslips. Note that you won't need to do this if your income is paid into a Bankwest account.
• Details if you're self-employed or a subcontractor. Provide your 2 most recent Notices of Assessments from the tax office. Bankwest may also ask for copies of recent taxation and financial reports from your accountant.
• Details if you receive income from superannuation. If it's a Self Managed Superannuation Fund (SMSF), provide the most recent SMSF member benefit statement and a letter from your financial planner confirming payments and full details. If it's a retail super fund, provide the most recent statement of your super balance, including evidence of regular and ongoing payments. Or, the past 3 months of bank statements showing proof of this income.
• Details if you receive a pension. Provide your most recent pension statement, showing current payments.
• Details if you receive income from a rental property. Provide one of the following forms of proof: a current, signed rental tenancy agreement, recent bank statements showing at least 3 months of rental income, a rental statement from a managing agent showing the past 2 months of payments or your 2 most recent tax returns showing details of the rental property.
• Other financial details.This includes details about your savings or other assets, as well as ongoing expenses, existing cards, loans and other liabilities.

Credit card details

During the application, you'll be asked about details of your new credit card. This can include:

• Credit limit. If you have a credit limit in mind for the new card, you can include a request on the application. But keep in mind that the credit limit you get is subject to Bankwest's lending criteria and assessment, so it could be lower than the one you request.
• Balance transfer. If you want to move an existing credit card debt over to your new Bankwest credit card, you'll need to include details of the amount you want transferred and the account. Just keep in mind that the balance transfer is approved separately and the amount that's transferred depends on the credit limit you get for your new Bankwest credit card.

What happens after you apply?

Once you submit your application, Bankwest will send you details of the next steps. If you're approved for the credit card, you can set up a digital version straight away and should get the physical card within 10 days.

• How can I earn frequent flyer points with a Bankwest credit card?

  Bankwest Qantas Mastercard accounts allow you to earn Qantas Frequent Flyer points for your everyday spending. You'll need to have an existing account with Qantas and link it with your Bankwest credit card to earn these points. Please note that you can only earn reward points on eligible purchases (excluding balance transfers, cash advances and gambling transactions).

• Can I do a balance transfer if I already have a Bankwest credit card?

  Although there are balance transfer offers available to existing Bankwest credit cardholders, the balance transfer introductory rates you see advertised are for new customers only. If you’re an existing Bankwest customer and you’re eligible for a balance transfer, Bankwest will contact you directly with details of the offer.

• How do I ask for a credit limit increase on my Bankwest credit card?

  When you apply for a Bankwest credit card, you will be assigned a credit limit. This is how much money Bankwest is willing to give you on your credit card. You can change your credit limit at any time after you get your credit card from Bankwest.

  • Credit limit increase. If you would like to request a credit limit increase on your Bankwest credit card, for whatever reason, give Bankwest a call, download a credit limit increase application form or visit a Bankwest branch to apply. Bankwest looks at your income and your expenses when they assign your credit limit. If you accepted the maximum credit limit when you first applied for the credit card and your circumstances have not changed, it’s unlikely that you will be given more credit if you apply for a limit increase. When you apply for a credit limit increase, a credit enquiry mark is recorded on your credit file.
  • Credit limit decrease. The same way you can request a credit limit increase, you can also request a credit limit decrease. This will reduce the amount of available credit you have on your credit card.

• How do I get a second card for a family member?

  You can add an additional cardholder to your Bankwest credit card account, if the person is over the age of 16. You can add an additional cardholder to your account when you apply for the credit card or you can complete and send in a Bankwest additional cardholder request form.

  If the additional cardholder is not already a Bankwest customer, they will need to verify their identity before a supplementary card can be issued. Please note that, as the primary cardholder, you'll be responsible for all transactions made on your additional cards.

• How do I pay my Bankwest credit card?

  You have a few options when making repayments with Bankwest:

  • BPAY. You can make payments to your Bankwest credit card from another financial institution’s internet banking facility using BPAY. Enter the Bankwest BPAY Biller Code: 9100 and use your credit card number as the reference number. It may take between three and five business days for the BPAY payment to be processed by the bank, so make sure you allow for the time it takes for the transaction to be processed when you’re making a payment to your Bankwest credit card.
  • Direct debit. Set up a direct debit from a transaction or savings account to automatically transfer money to your Bankwest credit card. You can choose to pay just the minimum amount, the statement balance, account balance or a fixed amount. To set up direct debit for your Bankwest credit card, fill in a direct debit request form. The form is available from on the Bankwest website.
  • At a branch. You can pay your Bankwest credit card in person at a Bankwest branch. If your transaction account is with another bank, you could also visit a branch to pay – just take your statement or Bankwest credit card account details.
  • Online banking. If you have a Bankwest transaction account, you can make a payment via the Bankwest Online Banking service. This is available for both computers and mobile devices.
  • Telephone banking. If you have a Bankwest transaction account, you can make a payment by calling Bankwest on 13 17 19. If your transaction account is with another bank, you could also call the telephone banking number and make a BPAY payment.
  • Cheque. You can post a cheque to Bankwest for your payment. If you receive paper statements, your statement will be sent in a reusable reply paid envelope to allow you to send a cheque. Just make sure you leave enough time for the cheque to be posted and processed before the due date on your statement.

• How do I close or cancel my Bankwest credit card?

  You can close your Bankwest credit card account through the mobile app, online or by calling Bankwest on 13 17 19. Keep in mind that you will have to pay off the whole account before you can close the account – this step-by-step guide has full details, plus tips to help you successfully close your account.

• What ATMs can I use with a Bankwest card?

  As well as using Bankwest ATMs for free, you can also withdraw cash at any Commonwealth Bank Group ATM without attracting an ATM fee. Note that using an ATM to get money with a credit card will attract cash advance fees and charges.

• What is the history of Bankwest?

  Bankwest began as an agricultural bank in Western Australia in 1895, and has since grown to become a leader in Australian banking. It now serves more than 1.1 million personal and business customers around the country. Bankwest is also a division of the Commonwealth Bank of Australia.

Important links and details

Want to compare a wider range of credit cards? Check out the latest offers for rewards, balance transfers, low rates and more.

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How do I put my Bankwest card on my phone?

How do I activate my Bank of the West credit card?

How long does it take for a Bankwest card to arrive?