I have been banking with Bankwest for almost a decade now and since I a got a job I have always been using their credit cards. I currently hold their More Platinum card which I have to pay $130 yearly to get reward points (@ 2pts/$1) and other features such as travel insurance, 3 month purchase cover (theft and accident/damages) and price guarantee. The only feature that I have used so far is the purchase cover. The insurance provider for Bankwest credit cards is Zurich.
So far I have claim the following items:
- Macbook got stolen
- iPad crack screen
- Outdoor security light with sensor got ripped off the wall
So far all these items have been replaced or paid out. My macbook was replaced and collected from Harvey Norman. iPad crack screen repair cost was remitted to my bank account minus excess, as well as the replacement charges for my security light. Excess for this cover from Zurich cost $250.
I have recently applied for the Citibank Signature Credit Card, this card comes with the same perks of the Bankwest More Credit Card the best part is NO ANNUAL FEES! The 2nd best part that I have found out is that the EXCESS cost for purchase cover is only $100!!!
I am so going to cancel my Bankwest credit card soon!
The only down side of using the Citibank credit card is when you login online to check your transaction, Citibank can take up to 48-72 hours to update the listing. Bankwest created an authorisation entry of transaction instantly which is what I love!
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