Digital card available for use immediately after approval, before the physical card arrives within five working days
Easy $33/day spend to hit the bonus. Average ongoing earn rate.
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Digital cards available for use in a digital wallet and issued faster than a posted replacement card
Moderate spend — $56/day for 90 days. Excellent ongoing earn rate. $100 cashback offsets the $375 fee.
Read my analysisCreate a single-use or multi-use virtual card in the Bankwest app
Moderate spend — $83/day for 90 days. Average ongoing earn rate.
Create single-use or multi-use virtual cards in the Bankwest App to spend without regular card details.
Tough spend — $233/day for 150 days. Excellent ongoing earn rate.
Instant Digital Card available from the moment the account is opened, before the physical card arrives
Easy $33/day spend to hit the bonus. Average ongoing earn rate.
Read my analysisDigital card issued and ready to use within as little as 60 minutes of approval (credit limit up to $20,000); a $2,000 express limit is available in as little as 5 minutes.
Instant Digital Card available to use from the moment the account is opened, before the physical card arrives
Moderate spend — $67/day for 90 days. Average ongoing earn rate.
Instant Digital Card available to use from the moment the account is opened, before the physical card arrives
Easy $44/day spend to hit the bonus. Poor ongoing earn rate.
Digital card with Dynamic CVC; the 3-digit security number changes every 24 hours for added fraud protection
Easy $33/day spend to hit the bonus. Average ongoing earn rate.
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Instant Digital Card available to use from the moment the account is opened, before the physical card arrives
Moderate spend — $67/day for 90 days. Average ongoing earn rate.
Digital cards available for use in a digital wallet; replacement digital cards faster than postal delivery
Easy $39/day spend to hit the bonus. Good ongoing earn rate. $50 cashback offsets the $149 fee.
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Instant Digital Card usable from the moment the account is opened, no need to wait for a physical card
Moderate spend — $67/day for 90 days. Average ongoing earn rate.
Instant Digital Card usable from the moment the account is opened, no need to wait for a physical card
Moderate spend — $67/day for 90 days. Average ongoing earn rate.
Instant Digital Card available from the moment the account is opened, with no need to wait for a physical card
Easy $44/day spend to hit the bonus. Poor ongoing earn rate.
Instant Digital Card available from the moment the account is opened, with no need to wait for a physical card
Easy $44/day spend to hit the bonus. Poor ongoing earn rate.
Digital card available for use immediately while the physical card arrives within five working days
Moderate spend — $56/day for 90 days. Excellent ongoing earn rate. $250 cashback offsets the $420 fee.
Activate and instantly use a Digital Card in the Westpac App from the moment the account is opened; Dynamic CVC 3-digit number changes every 24 hours for fraud protection
Easy $33/day spend to hit the bonus.
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Digital cards can be added to a digital wallet and are issued faster than a replacement card by post
Easy $29/day spend to hit the bonus. Good ongoing earn rate.
Digital card available for use immediately while the physical card arrives within five working days
Moderate spend — $56/day for 90 days. Excellent ongoing earn rate. $250 cashback offsets the $420 fee.
Digital card available for immediate use once approved, before the physical card arrives
Easy $33/day spend to hit the bonus. Average ongoing earn rate. $150 cashback offsets the $295 fee.
Digital cards available for use in a digital wallet; replacement digital cards are issued faster than a posted physical card.
Moderate spend — $67/day for 90 days. Excellent ongoing earn rate. High $425 fee — make sure you'll use the perks.