What’s Better – A Bankwest Or Westpac Credit Card?
Comparing credit cards can be done in a number of ways but often it will come down to what providers offer the best features.
Both Bankwest and Westpac have ranges of credit cards that will appeal to people looking for low rate, low annual fee and reward options, leaving many people wondering which provider is better.
A good way to decide between a Bankwest and Westpac credit card is to look at each bank and their attitude towards credit to see whether it is similar to yours.
To help get you started, here is a run down of the philosophies and cards available through each of these credit card providers.
Bankwest Credit Cards
Bankwest places a lot of importance on value for money and is well known as having the lowest ongoing purchase rate of any MasterCard in Australia, at just 10.99% p.a. for the Bankwest Breeze card.
This card also offers a signup bonus of 10% cash back for the first three months and a balance transfer deal of 5.99% p.a. for the first year, which is also available on the Bankwest More and Zero cards.
With a More credit card people can earn either everyday rewards or Qantas Frequent Flyer points, while with a Zero card there is no annual fee.
With classic, gold and platinum options available for each of these cards, a Bankwest option could be very appealing to someone who wants all the extras without high rates or a huge annual fee.
Westpac Credit Cards
As one of the Big Banks in Australia it is not surprising that Westpac has more cards on offer, with the 55 Day Classic, Altitude, Low Rate and Earth credit cards covering the essentials and more.
While the Low Rate card has an ongoing purchase rate of 13.49%, which is higher than Bankwest’s Breeze, what really stands out with Westpac cards is the flexibility and variety offered through reward cards.
The Altitude and Earth credit cards both come with a MasterCard and American Express card, allowing people to maximise points earned but avoid the higher surcharges and slightly less acceptance that can sometimes come from having an American Express card.
The range of cards available through Westpac covers as many different card options as possible, so for people who like variety this provider may be one of the best out there.
Credit card providers can make a difference to how people view and use credit cards but in the end the ongoing features should be a bigger focus. By comparing different cards and providers you will be able to get the best card possible every time.
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