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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David
August 16, 2022 • @davidg_371
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2 Star Rating
Verified CustomerPretty 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.
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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).
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.
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.
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.
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.
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.