??!

Pros

  • $0 Annual Fee

  • No Foreign Transaction Fees



  • Complimentary Overseas Travel Insurance

  • 2.99% p.a. on Balance Transfers for the first 9 months



Cons

  • No attached rewards program

Reviews

(20)
(12)
(1)
(2)
(7)
  • Transparency
    4.5 (29)
  • Customer Service
    4.0 (31)
  • Rates and Fees
    4.4 (29)
  • Rewards
    2.4 (8)
  • Online Experience
    4.1 (31)
  • Card / Account Used For
    • Overseas/Travel (28)
    • Online Shopping (13)
    • Everyday Expenses (7)
    • Special Purchases (6)
  • Application Process
    4.3 (29)
Janey

JaneySouth East Queensland, QLD

  • 7 reviews
  • 1 like
  • Verified customer

Great card for overseas travel!

published

This is a great card for overseas travel. There are no ongoing fees and no fees for overseas purchases. I mainly picked it for that reason plus the included overseas travel insurance.

Transparency
Customer Service
Rates and Fees
Online Experience
Application Process
Card Start DateMarch 2016
Main Point of ContactOnline
See all answers
Bibi

BibiGreater Melbourne (Outer), VIC

  • 6 reviews
  • 3 likes

Good solid no-frills card but bit outdated...

published

I got this card a few years for overseas travel. No annual fee and no fees for overseas purchases were exactly what I wanted. However although I have had it for a while now I only ever use it for this, and now it's even my back-up o/s card as many other cards, including my go-to card, the coles reward mastercard, now offer no transaction fees on overseas purchases. I would say it was good when I got it but others have used there game. It also had no online way of cancelling the card when I lost my purse and the over-the-phone experience was frustrating as all the security check questions related to other 'cards' in my purse such as my drivers licence... Finally got there but a little stressful.



Transparency
Customer Service
Rates and Fees
Online Experience
Application Process
Main Point of ContactOnline
Card / Account Used For
  • Overseas/Travel
See all answers

The reviewer stated that an incentive was offered for this review

GoAhead MakeMyDay

GoAhead MakeMyDaySouth East Queensland, QLD

  • 25 reviews
  • 1 like

Happy occasional user of this card

published

I have had this MasterCard by BankWest since 2015 and almost exclusively use it on overseas trips when wanting to access my AUD. I have also used it for the occasional online overseas purchase. The reasons are obvious: This card has none of the usual 'bad boys' fees and charges that 'the other' credit cards have.
I actually got rid of another card as a result of using this card and making some other changes with our banking. One other major advantage is the overseas travel insurance, especially since taking that out separately in Australia is ridiculously expensive.

Transparency
Customer Service
Rates and Fees
Online Experience
Card Start DateAugust 2015
See all answers
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sailorsam

sailorsamSydney

  • 14 reviews
  • 4 likes

(sort of ) happy

published

Had this card for several years.
Good features:
No fees, good for overseas purchases as there is no fee.
Has free travel insurance with a reputable company, but cannot comment as I haven't used it yet.
Always had a good result dealing with Australian Call Centre, very helpful
Main gripes:
have to get statements online or there is a charge
No promotional benefits for existing customers

Transparency
Customer Service
Rates and Fees
Online Experience
Application Process
Card Start DateJune 2011
Main Point of ContactPhone
Card / Account Used For
  • Online Shopping
  • Overseas/Travel
See all answers
Traveller52

Traveller52Peel, WA

  • 15 reviews
  • 1 like

One of the very best, especially for travellers

published
Transparency
Customer Service
Rates and Fees
Online Experience
Application Process
Card / Account Used For
  • Everyday Expenses
  • Online Shopping
  • Overseas/Travel
  • Special Purchases
See all answers
Ramona

RamonaSouth West, WA

  • 9 reviews
  • 4 likes

A must have when travelling overseas!

published

I used this card for the first time and it was fantastic. No problems at all with no overseas transaction nor annual fees. I highly recommend this card when travelling even if you don't travel much overseas as there is no annual fees to slug you. It is useful for cruises which is what I had it for as no more pending transactions as they hold your money then you pay on top of those transactions at end of holiday but the pending transactions can take 2-4 weeks before they get released. Also perfect when booking hotels for the bond amount jusy do it on credit card. I should have got this card a long time ago!

Transparency
Customer Service
Rates and Fees
Online Experience
Application Process
Card Start DateMay 2020
Card / Account Used For
  • Online Shopping
  • Overseas/Travel
See all answers
Sumit

SumitPerth, WA

  • 10 reviews
  • Verified customer

Only Fantastic for International Transactions

published

Only great if you use alot in overseas transactions. No Overseas Transaction fees make this card work like treat. Also No annual fees add up to the value. I have never seen any bank giving straight XE rates without even charging any transaction fees. Complimentary travel insurance etc all big bonuses.
Downside: High interest rate and High minimum credit limit ($6k Minm)

Transparency
Customer Service
Rates and Fees
Online Experience
Application Process
Card Start DateNovember 2018
Main Point of ContactPhone
Card / Account Used For
  • Overseas/Travel
See all answers

The reviewer stated that an incentive was offered for this review

Keli

KeliAU

  • 12 reviews
  • Verified customer

No foreign exchange fees

published

My experience with this card has been seamless with avoiding overseas foreign exchange fees. I have had it for years and always take it overseas with me, and use it for online overseas purchases without any problems. Initial application was extremely painful as I needed to call them up multiple times to get it finally approved because they wanted to verify my income and there was a big delay, but since approval it has been fine.

Transparency
Customer Service
Rates and Fees
Online Experience
Application Process
Card Start DateJanuary 2017
Card / Account Used For
  • Overseas/Travel
See all answers

The reviewer stated that an incentive was offered for this review

daphnevoon

daphnevoonSouth East Queensland, QLD

  • 11 reviews
  • 2 likes

Good for overseas purchase

published

I always use this card when I travel overseas as there is no foreign currency transaction fee charged and the exchange rate is usually better than currency rate. Also, there is a travel insurance cover if I charge my travel booking to the card but there are some terms and conditions to be complied with in order to enjoy this cover, e.g. the travelling cost charge must be above a certain amount. There isn't reward point program but I am happy with that as I enjoy free annual fee forever. Will keep this card forever!

Transparency
Customer Service
Rates and Fees
Online Experience
Application Process
Main Point of ContactOnline
Card / Account Used For
  • Overseas/Travel
See all answers

The reviewer stated that an incentive was offered for this review

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Aimee

AimeeSydney, NSW

  • 84 reviews
  • Verified customer

Good backup credit card

published

I have had this credit card for nearly 2 years and used it overseas without any issues. It is easy and quick to apply. I do not use this card often as I have another credit card with rewards. So this is just for backup or using it overseas as it has no international fee. I use the other card's complimentary travel insurance so cannot comment on this aspect.

Application Process
Card / Account Used For
  • Overseas/Travel
Reddel

Reddel

  • 11 reviews
  • 12 likes

Good back-up travel card

published

I applied for this card around 7 years ago, as a different brand to my regular credit card used for travel (Visa), primarily in case temporary issues with Visa occur whilst overseas. No annual fee, no fees on overseas transactions. I've had no issues with fraudulent transactions, so I'm unable to report on their response. So far, overall very happy.

Transparency
Customer Service
Rates and Fees
Online Experience
Application Process
Main Point of ContactOnline
Card / Account Used For
  • Online Shopping
  • Overseas/Travel
See all answers

The reviewer stated that an incentive was offered for this review

Sue S

Sue SRichmond-Tweed, NSW

  • 4 reviews

Good, until something goes wrong!

published

I’ve had this card for a couple of years now. I don’t use it often but recently had a transaction debited to my account which I knew nothing about. I contacted BankWest immediately and my card was cancelled and a new one issued. I have to lodge a declaration stating
that the transaction was foreign to me and after downloading the form, I could not send it to them electronically. I tried for over an hour, following their instructions, but in the end I have had to post. In my opinion, they do not make it easy to meet their requirements. I had to ring twice to get the documentation sent to me. I’m not happy with them and I’m considering closing my accounts.

Customer Service
Online Experience
Application Process
Card / Account Used For
  • Special Purchases
See all answers
Fred

FredGreater Melbourne (Outer), VIC

  • 25 reviews
  • 1 like

A good card if utilised correctly

published

This card has no annual fee, free travel insurance, and no fees for overseas transactions. It has no rewards but good for going overseas. Just make sure you pay it off each month.

Transparency
Customer Service
Rates and Fees
Rewards
Online Experience
Application Process
Card Start DateFebruary 2015
Main Point of ContactOnline
Card / Account Used For
  • Overseas/Travel
See all answers
MJ K

MJ KAdelaide

  • 25 reviews

useless insurance policy

published

Bankwest platinum card (inc Zero and Breeze Platinum) provides insurance.
But, insurance policy is useless. All CBA group are same. CBA and Bankwest insurance policy don't cover any small electronic device (ipod, mobile phone and tablet). They are so greedy. They added it to general exclusion. I've checked other bank's policy. Most policies cover mobile phone and tablet.
Only all CBA group doesn't cover.

Don't pay for travel arrangement using Bankwest and CBA credit card if you need insurance.

Transparency
Customer Service
Online Experience
Main Point of ContactOnline
Card / Account Used For
  • Everyday Expenses
See all answers
Myles

MylesGreater Melbourne (Metropolitan), VIC

  • 6 reviews

No international support - fraudulent transactions.

published

This credit card offers a great mobile app which allows you to trace all purchases made against your card. Also, the card is free which is just one of the many great perks of this international travel card.

I am currently in America and fraudulent transactions have appeared on my credit card. I have contacted the online customer support team (online chat service on their website) who are only able to provide an Australian telephone number which has toll fees attached to it. Long story short, if your overseas and you have a problem, you’re on your own.

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Shane

Shane

  • 4 reviews

No annual Fee, No international transaction fees

published

I have found this card to be worth having. There is no annual fee and no fees for international transactions so I always use the card if I am travelling overseas. It also comes with free travel insurance but I have never had to try that out. You don't get any points for using the card but I find the advantages outweigh that.

keisha01au

keisha01auVictoria

  • 14 reviews

Rude customer service, then appalling lack of communication

published
RoyK

RoyKSydney, NSW

  • 16 reviews

Unsecure card- rude & hopeless customer service

published
DKB

DKB

  • 9 reviews
  • 11 likes

Late fee if you pay on time

published
geoff.mayhew

geoff.mayhewSouth East Queensland, QLD

  • 29 reviews
  • 25 likes

One of only two cards that suit overseas travellers.

published
Page 2 of 3
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Questions & Answers

AS

ASasked

Is this card better than GE Money 28 Degree Mastercard which also offers Zero international transaction fee and Mastercard exchange rates?
My intension to get this credit card is only for online purchases(USD/GBP) and overseas travel.

1 answer
Andyrock81
Andyrock81

Bankwest customer service/call centre is in Australia, and are easier to deal with than 28 degrees call centre in India. Travel insurance is complimentary too, unlike the 28 degrees card where you have to pay extra for this benefit.

Get an answer from our members and BankWest representatives

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