Bankwest Qantas World Mastercard

Terrible – The staff who assess the application are unprofessional and rude. They keep changing what are required to support the application, as soon as you provide them what they have requested they request something different.. like many times (>3)... They don't call you to discuss anything they just send you emails using a template like robot and even the emails are contradicted... Wasted so much time on this... Wouldn't bother if I knew...

Good card, but expensive – Card has some good benefits, but like most CCs that generate Frequent Flyer points you need to use it all the time and not accumulate any interest or the benefits are essentially lost. App is slow to update on purchases.

Absolute incompetent team – Wanted to apply for a Bankwest World card (Qantas). I read the eligibility criteria and easily fulfill the requirements with my current income (World card required minimum $75k annual income). Had applied for numerous other credit cards with similar requirements and approved without any hassles. Went directly to Bankwest website and applied. Entered in the details required, and when I got to the final step (before submission), the World card changed to Platinum. Called up Bankwest and they said that I am not eligible for the World card, but they have received my application for the platinum (Platinum requires minimum $35k annual income). When I questioned them why I was not eligible for the World card, they said they do not know, as the platform is automated. And when I advised them that I have yet to submit my application, they assured me that they have already received my platinum card application??? At that point, I decided to just go ahead.

Received an email confirming conditional approval. Submitted all required supporting documents on the same day (with the reference number on the email subject as requested). 4 days later, received a reminder indicating that I have yet to submit all required documents (asking the same documents again). Called up Bankwest to clarify, and the rep advised that something was missed and he will update on his end and submit for approval. Another 4 days later, received an email from the Bankwest Rep, asking for further paperwork (which again was already submitted previously). Called up again, and was then advised that the application has yet to be sent for approval, and again needed further documents (which was again sent previously). Resent the paperwork again nonetheless. No reply, no confirmation. Called up couple of days later, and was then told the application has been declined, and they cannot provide an explanation.

Wasted close to 3 weeks. The team at Bankwest can only be described as incompetent and the process is absolutely frustrating. Lost valuable credit rating for a card that requires only a fraction of my income (while my credit rating is rated as very good, and I only have 1 other CC, which only has a $6000 limit). Never again.

no customer service, telephone staff is rude, behave like a judge, and make me feel a offender – credit card department staff is rude. trying everything to decline my application. asking details not in once, called me 1st time, ask this. called second time ask that. called third time asking something else. Why can't ask everything in one go. Email communication received is general email - why can't ask/talk things in the email. treating customer like a offender, staff behaves like a judge. Why bankwest as a credit card provider tries to do everything to decline application? Bankwest's credit card application assessment tool has problems, don't consider everything.