Does Bank of the West use Visa or Mastercard?

Q: Is Natwest credit card a Visa or Mastercard?

Weve decided to move to Mastercard as it allows us to offer a better overall service to our customers.

Keep in mind that you can ask to get a credit limit increase by calling customer support at (866) 269-2327. It would be best to wait a year before doing that. The issuer might also evaluate your account periodically to determine whether you are eligible for a credit limit increase. Paying on time and keeping your credit utilization low are key for getting unsolicited credit line increases.

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Is bankwest Visa or Mastercard?
Is Bank of the West debit card Visa?
Is bankwest Mastercard?
Is Natwest credit card a Visa or Mastercard?

David
August 16, 2022 • @davidg_371

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2 Star Rating

Verified Customer

Pretty weak offering. I'm a steady 698-704 score depending on the CB. 35 years in same line of work, professional, very high income, low DTI, zero negs ever on my CB. I have 12 existing cards, mostly cash back cards, CLs from 2500-22k. Most $8-12k range. I was 'approved' for 2300. TOO FUNNY... except the totally wasted inquiry.

NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features.

Consider the applicable product PDS available from Bankwest before deciding whether the product is right for you. Fees and charges may apply and subject to change.

Easy Alerts are available for mobile personal banking accounts on eligible devices in which you have the Bankwest App installed and notifications enabled. Limited alerts only are available for credit products. Consider the Product Disclosure Statement (PDS) and Bankwest App Terms of Use available from Bankwest before deciding whether the product is right for you. Fees and charges may apply with the App.

Bankwest Apple Pay Terms of Use apply. Apple, the Apple logo and Apple Pay are trademarks of Apple Inc. App Store is a service mark of Apple Inc.

Terms of Use apply to the use of Google Pay. Google Pay, Google Play and the Google Play logo are trademarks of Google LLC.

Terms of Use apply to the use of Samsung Pay. Samsung, Samsung Pay and Samsung Pay logo are trademarks of Samsung Electronics Co., Ltd.

eftpos is a registered trademark of eftpos Payments Australia Limited 2022.

Mastercard and the circles design are registered trademarks, and tap & go is a trademark, of Mastercard International Incorporated.

Complimentary overseas travel insurance provides base cover only and limitations, exclusions and eligibility criteria apply. See the Credit Card Insurances Product Disclosure Statement and Information Booklet (PDF) for details.

Coronavirus (COVID-19)
COVID-19 cover under the Overseas Emergency Medical and Hospital Expenses benefit is now included for travellers whose journey commenced on or after 24 August 2022. If you have purchased any upgraded cover before 24 August, regardless of the date travel commences, COVID-19 cover is not included under Overseas Emergency Medical and Hospital Expenses benefit. There is no COVID-19 cover for cruise travel or cancellation claims related to COVID-19. Terms and conditions apply.

There is no cover under any other benefit for claims related to COVID-19 for all destinations. For more information please refer to the Credit Card Insurance PDS (PDF).

Foreign transactions are all transactions effected in foreign currency or occurring outside of Australia whether in foreign currency or Australian dollars including if you are in Australia (for example, online) where the merchant or the financial institution or entity processing the transaction is located overseas. No foreign transaction fees apply for Platinum or World customers. Other fees and charges may apply, including when using overseas ATMs.

Breeze Mastercard introductory offer:
First year annual fee waiver, introductory balance transfer rate offer and introductory purchase rate offer is only available to new Bankwest Breeze Mastercard customers who apply from 29 April 2021 until the promotion ends, and are approved. Excludes product transfers from existing Bankwest credit cards.

First year annual fee waiver:
Annual fee is waived in the first year and will be payable in subsequent years in advance on each anniversary date of card opening. In instances where the first year annual fee is charged to the account, this will be refunded within 30 days.

Introductory balance transfer rate offer and introductory purchase rate offer:

Introductory rate excludes cash advances
Applies from the date the card is opened, regardless of when any balance transfer or purchase is processed by us
After the intro period, the interest rate on any outstanding transferred balance or purchase will be charged at the ongoing rate for purchases and balance transfers as outlined in your credit card schedule
Minimum balance transfer amount is $500
Only non-Bankwest-branded credit cards can be balance transferred to Bankwest Mastercard credit cards
A balance transfer request will only be processed up to 95% of your approved credit limit.

View balance transfer terms and conditions.

Bankwest Zero Mastercard introductory offer:
Introductory balance transfer rate offer is only available to new Bankwest Zero Mastercard customers who apply from 4 November 2021 until the promotion ends, and are approved. Excludes product transfers from existing Bankwest credit cards.

Introductory balance transfer rate:

A 2% balance transfer fee is payable on all transactions to which that balance transfer rate applies
Introductory balance transfer rate excludes cash advances (rate of 21.99% p.a. applies)
Applies from the date the card is opened, regardless of when any balance transfer is processed by us
After the intro period, the interest rate on any outstanding transferred balance will be charged at the ongoing rate for balance transfers as outlined in your credit card schedule
Minimum balance transfer amount is $500
Only non-Bankwest-branded credit cards can be balance transferred to Bankwest Mastercard credit cards
A balance transfer request will only be processed up to 95% of your approved credit limit.

View balance transfer terms and conditions.

More Rewards points are earned in accordance with and subject to the Bankwest More Rewards Terms and Conditions (PDF). Exclusions, limitations and points caps apply. More Rewards points are earned on eligible purchases only. Points earned and redemption values subject to change. The total More Rewards points (including any bonus points) that can be earned in each year are: 150,000 Points if your Card is a Classic Card, and 400,000 Points if your Card is a Platinum Card. More Rewards points (outside any bonus points) will only be credited to your account once you have spent at least $1,500 on eligible purchases and your account has been opened for at least 2 months.

Annual Bonus points:
Annual Bonus points are only available to new customers who apply for a Bankwest More Mastercard on or after 15 May 2017 and meet minimum spend requirements in any Year from Card Account opening. Eligible customers will earn: 19,500 Points if your Card is a Classic Card and you spend a minimum of $24,000 on Eligible Purchases in that Year; 75,000 Points if your Card is a Platinum Card and you spend a minimum of $48,000 on Eligible Purchases in that Year; and 115,000 Points if your Card is a World Card and you spend a minimum of $84,000 on Eligible Purchases in that Year. See Bankwest More Rewards Terms and Conditions (PDF) for more information.

Please refer to the LoungeKey Terms and Conditions of Use before you make your first lounge visit. You will find these Terms and Conditions of Use at www.loungekey.com/bankwest. Terms and Conditions of Use may be subject to change at any time without prior notice. Lounge information, including the list of lounges you are eligible to visit, and more detailed information about these lounges, including location, opening times, facilities available and specific conditions applicable to each lounge is available from www.loungekey.com/bankwest, the LoungeKey app and LoungeKey customer service center. You must have your eligible Mastercard payment card with you and identify yourself as a “LoungeKey customer” in order to be given access to the lounges. Please note that you will be charged for any lounge visits which are not part of the LoungeKey program.

You must be a member of the Qantas Frequent Flyer program to earn and redeem Qantas Points. A joining fee usually applies. However, complimentary membership is available from Bankwest if you join at qantas.com/joinffbankwest.

Membership and the earning and redemption of points are subject to the terms and conditions of the Qantas Frequent Flyer program. Qantas Points are earned in accordance with and subject to the Bankwest Qantas Rewards Terms and Conditions (PDF). Qantas Points are earned on eligible purchases only, see Bankwest Qantas Rewards Terms and Conditions (PDF). Exclusions and limitations apply. Points earned and redemption values subject to change.

Qantas Points (outside any bonus points) won't be transferred to your Qantas Frequent Flyer Account until:

You have spent an initial $1,500 on eligible purchases using your card; and
Your account has been opened for at least 2 months.

To earn Annual Bonus Points you must have a minimum credit limit of $3,000.

Earn up to 50,000 Bonus Qantas Points promotion only available to eligible new Bankwest Qantas Platinum Mastercard customers who have not opened a Bankwest Qantas Mastercard in the last 24 months ($3,000 minimum credit limit) and apply from 17 June 2021 until the promotion ends and are approved. To be eligible for 50,000 Bonus Points you must meet the minimum spend requirements within three months of account opening. 40,000 Bonus Qantas Points are transferred to your account within five months of account opening and are subject to change. To be eligible for 10,000 Bonus Points you must keep your card account open for 15 months. 10,000 Bonus Qantas Points are transferred to your account within 17 months of account opening and subject to change. Your card must remain open for points to be transferred. You are not eligible for this promotion if you upgrade or vary your existing Bankwest credit card to a Bankwest Qantas Platinum Mastercard.

Most purchases are eligible purchases except some things such as balance transfers, bank fees, gambling, government charges and anything else listed in Section 6 of our Bankwest Qantas Rewards Terms and Conditions.

Lending criteria, fees and charges apply. Terms and conditions apply and are available on request. Available on eligible purchases between $100 and $10,000. Cash advances, gambling transactions, balance transfers, purchases on a promotional offer and purchases made more than 30 days prior aren’t eligible. You won't be able to apply for an Easy Instalments plan if you don't meet our eligibility criteria (e.g. if you've exceeded your limit or if you're in default). When you apply for an Easy Instalments plan, you are requesting an amendment to your allocation of payments in accordance with clause 6. of the Easy Instalments Terms and Conditions. To apply payments in this order may mean that other balances that attract a higher interest rate may be repaid later which may result in you paying higher interest charges.

World Mastercard Program terms and conditions apply. Visit www.mastercard.com.au/world for details about World Mastercard experiences. Mastercard and the circles design are registered trademarks, and tap & go is a trademark, of Mastercard International Incorporated.

There is a limit of one Bankwest Breeze Mastercard, one Bankwest Zero Mastercard, one Bankwest Qantas Mastercard and one Bankwest More Mastercard per customer.

Bankwest Zero Platinum Mastercard was awarded the 2019 Best Credit Card For Travellers by Finder at the Finder Awards held in August 2019

Bankwest Apple Pay Terms of Use apply. Apple, the Apple logo and Apple Pay are trademarks of Apple Inc. App Store is a service mark of Apple Inc.

Terms of Use apply to the use of Samsung Pay. Samsung, Samsung Pay and Samsung Pay logo are trademarks of Samsung Electronics Co., Ltd.

Is bankwest Visa or Mastercard?

Bankwest Breeze Classic Mastercard New Breeze Mastercard customers get 0% p.a. for 15 months on purchases and balance transfers. Plus, for this limited time offer, there's no balance transfer fee. Other fees and charges, T&Cs apply.

Is Bank of the West debit card Visa?

The Bank of The West Check Card is accepted wherever VISA® is accepted, or you can use your card for PIN based transactions using the ACCEL® PIN network.