Important changes to your Gold Mastercard

We’re upgrading all our Bankwest Gold Mastercard® credit card customers to a Bankwest Platinum Mastercard credit card. Don’t worry – we’ll let you know what you need to do.

What’s changing?

We're upgrading all Gold Mastercard products to an equivalent Platinum Mastercard product. We’ll mail it to you with everything you need to know to get started.

Here's what you need to know:

  • You'll receive a new Platinum Mastercard by July 2022. This will have a new card number and expiry date
  • Your existing PIN will work with the new card
  • Your current credit limit and statement date won't change. Other fees and charges will continue to apply as set out in your Credit Card Schedule. If you have any direct debits or recurring payments set up on your current card, you'll need to update these to your new card details
  • All cardholders will receive a new card, which will all be sent to the primary cardholder.

What you need to do

Check your postal address

This is so we can send your new card to the right place. You can do this via ‘More > 'My details’ in the app, or ‘My details > My contact details’ in online banking.

Continue using your Gold Mastercard

You can do this until you receive your new card. Any transactions on your current card will appear on your next statement as normal.

Follow the instructions with your new card

Don’t worry about remembering what to do when your card arrives – we’ll send you instructions for a smooth transition to your new Platinum Mastercard.

Your new Platinum Mastercard benefits

Foreign transaction fee waiver

With your new Platinum Mastercard, you won't be charged foreign transaction fees for online and overseas purchases. 1

Increased cover for complimentary travel insurance

Your new Platinum Mastercard still has complimentary overseas travel insurance and increased platinum cover. 2

You'll still receive other great benefits that come with all our credit cards

Digital cards can still be set up in your mobile wallets using your eligible mobile and wearable device. Instant card lock will still be available for you to temporarily lock your card 24/7.

Frequently asked questions

We’re here to help


When will I get my new Platinum Mastercard?

Your new Platinum Mastercard will arrive in June (provided your account remains in order). We'll send you all the information you need about your new card at that time. All cardholders will receive a new card, which will be sent to the primary cardholder.

Remember, you can access and activate your new digital card via the app before your physical card arrives. Learn how to activate your card.


Can I still use my current Gold Mastercard card in the meantime?

Yes. You can continue to use your Gold Mastercard until you receive and activate your new Platinum Mastercard. Any transactions you carry out will appear on your next statement.


Will my Gold Mastercard card stop working?

Your Gold Mastercard will stop working once you activate your new Platinum Mastercard or 14 days from the date the card was issued, whichever is sooner. If you have added your Gold Mastercard to a digital wallet, this will also stop working from the same date.

For example, if the letter with your new card states 1 June, your card will stop working when you activate your new card or on 15 June.


I haven’t received my replacement Platinum Mastercard. What should I do?

Once we convert your account in June, you can access and activate your platinum digital card via the app, even if you haven’t received the physical card. This means you can start using it right away where a physical card isn’t needed. Remember, you'll still need to activate your physical card once it arrives. Learn how to activate your card.


What should I do when I get my new Platinum Mastercard?

  1. Activate your new card
  2. Destroy your old Gold Mastercard
  3. Update your card details for any recurring payments or direct debits you have set up. You'll need to contact the service providers to change your card details.

We can assist by providing a list of recurring payments.


What about my recurring payments?

You'll need to update your card details with service providers to ensure your direct debits and recurring payments go through. To help with this you can get a list of your repeating payments for the last 13 months.

In the Bankwest App:

  1. Select ‘Payments’ from the bottom menu
  2. Tap ‘Scheduled'
  3. Chose ask for a copy’ at the bottom of the screen
  4. Choose the account/s you want a list for and click ‘See your summary'
  5. Confirm you’ve chosen the right account.

In online banking:

  1. Select Payments & Transfers’, then ‘Scheduled Payments'
  2. Expand the ‘Why can’t I see my repeating payments?’ drop-down and select ‘ask for a copy’.
  3. Select the account/s you want a list for and click ‘See your summary'
  4. Confirm you’ve chosen the right account

Your list of repeating payments will be mailed to you.


What about my linked accounts?

If you have Bankwest accounts linked to your old Gold Mastercard card, we’ll switch them over to your new Platinum Mastercard.


Do I still have access to travel insurance?

Your new Platinum Mastercard still has complimentary overseas travel insurance and has increased Platinum cover. 2


What happens to my Rewards Points?

Your Qantas or More Rewards program will transfer to your new card. What’s better, your new Platinum Mastercard will earn points at a higher rate than your current Gold Mastercard. More Rewards customers can also earn annual bonus points by meeting the eligible spend criteria.

Refer to the full Terms & Conditions:


What happens to my balance transfer or easy instalment?

If you have a balance transfer or Easy Instalment payment plan, these will transfer to your new card and continue as before.

Need more help?

You can message us in the Bankwest App or online banking, or call us – we're here 24/7.

  1. Foreign transactions are transactions 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 customers. Other fees and charges may apply, including when using overseas ATMs.
  2. 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):​
    Please note that this event is excluded from cover for all destinations. For more information please see here.

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