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Bankwest More Mastercard

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Earn 19,500 bonus More Rewards Points every year when you spend at least $24,000 on the Bankwest More Mastercard.

The Bankwest More Mastercard is a rewards credit card that offers simple features and a straightforward earn rate of 1.5 Bankwest More Rewards points per $1 spent on eligible purchases.

0% p.a.

Balance transfer rate

for 6 months with 1% balance transfer fee

19,500

Bonus points

19.99% p.a.

Purchase rate

1.5

Reward points

Per $ spent (Visa/Mastercard)

Details

Product NameBankwest More Mastercard
Rewards programBankwest More Rewards Program
Balance transfer rate0% p.a. for 6 months with 1% balance transfer fee
Balance Transfer Revert RateBalance Transfer Revert Rate (19.99%)
Balance Transfer Limit95% of available balance
Purchase rate (p.a.)19.99% p.a.
Annual fee$100 p.a.
Interest free period44 days
Cash advance rate (p.a.)21.99% p.a.
Min credit limit$1,000
Card typeMastercard
Foreign currency conversion fee (Visa/Mastercard)2.95%
Complimentary travel insuranceNo
Minimum age18 years of age
Available to temporary residentsYes
Joint applicationNo

Pros

  • 19,500 annual bonus points when you spend at least $24,000 on eligible purchases within the year
  • 1.5 reward points per $1 spent on eligible purchases

Cons

  • Points are capped at 150,000 per year
  • Annual fee of $100 is relatively high for a standard-tier card
Rewards programBankwest More Rewards Program
Bonus Points19,500 bonus points
Rewards Points per $ spent (Visa/Mastercard)1.5
Rewards Points per $ Cap (Visa/Mastercard)150,000
Annual fee$100 p.a.
Minimum monthly repayment2% of the closing balance or $20, whichever is greater
Late payment fee$25
Foreign currency conversion fee (Visa/Mastercard)2.95%
Cash Advance Fee2% or $4, whichever is greater
Overseas cash advance fee2% or $4, whichever is greater
Number of Additional Cardholders3

Expert review

Amy Bradney-George

Review by


Amy Bradney-George is the acting editor for Finder X and a senior writer for credit cards and Finder Green. She has more than 13 years' experience as a journalist and writer, with bylines in publications including The Equity Magazine, The Sydney Morning Herald, ABC News and produce industry website FreshPlaza. Amy has a Bachelor of Arts in Journalism and Drama from Griffith University, and when she’s not putting (virtual) pen to paper, she spends her time as an actress.

Expert review

The Bankwest More Mastercard offers you both points for your everyday spending and a competitive annual fee of $100. With this card, you earn 1.5 points per $1 spent on eligible purchases, plus a bonus of 19,500 points each year when you spend at least $24,000. That's an average of $2,000 per month, so have a think about whether this level of spending is achievable for you.

How to apply

You can apply for the Bankwest More Mastercard online by filling out a secure application form on Bankwest's website. Get started by making sure you meet the following eligibility requirements and have all the documents and details you'll need for the application.

Eligibility criteria

  • New Bankwest More Mastercard customer. The annual bonus points and balance transfer offers are only available if you don't already have a Bankwest More Mastercard account in your name. This includes Bankwest More Platinum and World Mastercard accounts.
  • Eligible balance transfer debt. If you plan to take advantage of a balance transfer offer, you can transfer from $500 up to 95% of your available credit limit from non-Bankwest credit cards.

Card benefits

  • Annual bonus points offer. If you're a new Bankwest More customer, you can enjoy 19,500 bonus More Rewards points each year when you spend at least $24,000 p.a. on eligible purchases over the course of the year. This is on top of earning 1.5 points per $1 spent on eligible purchases. Points are capped at 150,000 per year.
  • Balance transfer offer. If you apply for this card as a new Bankwest More Mastercard customer, you can take advantage of an introductory 0% p.a. on balance transfers for the first 6 months, with a 1% balance transfer fee. At the end of the introductory period, an interest rate of 19.99% p.a. will apply to any remaining debt from the balance transfer.

Rates & fees

  • Annual fee. The Bankwest More Mastercard charges an annual fee of $100.
  • Purchase interest rate. Purchases on this card attract an interest rate of 19.99% p.a.

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37 Comments

  1. Default Gravatar
    Deb
    May 10, 2016

    Do you have to be a client of your Bank to apply for this credit card?
    Do you have gift cards for the rewards program, eg Myers Gift card,
    David Jones and JB Hi fi?
    Does the security on this card detect unusual activity and notifies the owner straight away?

    • Avatarfinder Customer Care
      Dee
      May 10, 2016

      Hi Deb,

      Thanks for getting in touch.

      Please note that you have come through to finder.com.au, a financial comparison website and general information service that does not represent financial institutions or other companies.

      To answer your questions though, Bankwest offers a range of gift cards and vouchers which you can use for cashback, general retail, hotels, movie tickets, theme parks and travels (Dan Murphy’s Gift Card, JB Hi-Fi Gift Card, David Jones eGift Card, BIG W Gift Card to name a few).

      As for security, Bankwest may or may not be able to immediately detect fraudulent transactions, but credit card holders are protected by MasterCard Zero Liability Guarantee that provides full reimbursement if you’re a victim of credit card fraud. The card’s chip, PIN and Bankwest’s account monitoring services also provide added protection.

      I hope this helps.

      Cheers,
      Anndy

  2. Default Gravatar
    Mr
    January 15, 2016

    Hi
    I have a MasterCard platinum, with an 18month 0% balance transfer offer. I’ve recently found out that any charges I make to the card after the balance transfer (on top of the balance transferred) will only be paid down once the full amount of the balance transfer is paid. This effectively means I will pay credit card interest on any spend on the card, until the interest free amount is paid down. Seems counter productive (and is different to what I was advised verbally by the salesman). Surely this encourages me not to the use the card at all, until the interest free period has expired?

    Is this your understanding of a common fine print issue?

    Thanks

    • Avatarfinder Customer Care
      Sharon
      January 20, 2016

      Hi Mr Ward,

      Thanks for your inquiry.

      It’s not recommended to use one card for both balance transfers and purchases. Instead, if you have a balance you need to transfer, you may consider using a separate card for balance transfers. If you use your balance transfer credit card for purchases or cash advances during the promotional period, your repayments will go towards your purchase and cash advance debt first (as they carry a higher interest rate) and then your balance transfer debt.

      You may also refer to this article on how not to fall for a balance transfer trap.

      I hope this helps.

      Sharon

  3. Default Gravatar
    Leslie
    April 13, 2015

    Hi

    I see your answer below stating that Westpac,BOM,St George and Bankwest all fall under the Westpac Group.

    Does this mean we only need to apply to one as if we are rejected by one it will most likely be declined by all?

    I haven’t applied yet but thought if this is the case I should choose wisely out of the above on where I apply.
    Thank you

    • Avatarfinder Customer Care
      Jonathan
      April 14, 2015

      Hi Leslie, thanks for your inquiry!

      Even though the banks mentioned all fall under the Westpac group, the application criteria and requirements for each credit card will vary. It would be best to assess your ability to repay a credit card and choose the product that best suits your needs.

      Cheers,

      Jonathan

  4. Default Gravatar
    ADZ
    April 2, 2015

    Hi…I’m looking to roll over some credit card debt to take advantage of the 0% interest period…My question is – given that my debt is with Westpac and Bank Of Melbourne and St. George are part of the Westpac group…Could that mean the application would be rejected as it would be more profitable to leave my debt where it is and about to go from 0% to cash advance rates.
    Thank You
    ADZ

    • Avatarfinder Customer Care
      Jonathan
      April 2, 2015

      Hi ADZ, thanks for your inquiry!

      That is correct, because the Bank of Melbourne and St.George are part of the Westpac group balance transfers between the banks are not supported. Please see the following link for a list of balance transfer cards and offers.

      Cheers,

      Jonathan

  5. Default Gravatar
    steve
    March 4, 2015

    Hi, all these questions and information, but nothing about where and how points can be redeemed. Steve

    • Default Gravatar
      ken
      December 8, 2015

      how do I redeem my points?

    • Avatarfinder Customer Care
      Sally
      December 8, 2015

      Hello Ken,

      Thanks for your question.

      You can redeem your reward points via the Bankwest More Rewards website. I’ve emailed you a link for your convenience.

      I hope this helps.

      Cheers,

      Sally

    • Avatarfinder Customer Care
      Jonathan
      March 4, 2015

      Hi Steve, thanks for your inquiry!

      Please refer to the website link I have sent to your email for details on how to redeem Bankwest More Rewards points and the types of rewards available.

      Cheers,

      Jonathan

  6. Default Gravatar
    Dino
    March 3, 2015

    Hi,

    Was wondering if I can get the credit card through a trust.

    Regards

    Dino

    • Avatarfinder Customer Care
      Jonathan
      March 5, 2015

      Hi Dino, thanks for your inquiry!

      Business credit cards are available with Bankwest Business accounts. Please see this page for more information on business credit cards.

      Cheers,

      Jonathan

  7. Default Gravatar
    Brett
    February 20, 2015

    I have a westpac and a virgin citi bank credit card . Can I apply for a balance transfer and transfer balances from these two cards.

    • Avatarfinder Customer Care
      Jonathan
      February 20, 2015

      Hi Brett, thanks for your inquiry!

      If you meet the application requirements you can request a balance transfer. Please note that balance transfers can only amount to 95% of the credit limit and you or the Additional Cardholder (as relevant) are not in default of the terms and conditions applicable to the account from which the transfer is made.

      Cheers,

      Jonathan

  8. Default Gravatar
    Brett
    February 20, 2015

    I am a westpac and virgin visa with citi bank customer. Can I apply for a balance transfer card with bank west.

    • Avatarfinder Customer Care
      Jonathan
      February 20, 2015

      Hi Brett, thanks for your inquiry!

      If you meet the application requirements for Bankwest you will able to request a balance transfer.

      Cheers,

      Jonathan

  9. Default Gravatar
    Tammy
    February 12, 2015

    already have a bankwest card in a 0% balance transfer contract maybe half way through. Can I apply for another card at 0%. That way have 2 card – the current one and a new one with new debit

    • Avatarfinder Customer Care
      Jonathan
      February 12, 2015

      Hi Tammy, thanks for your inquiry!

      You can apply for another credit card as long as you meet the lender’s requirements. Please note that balance transfers between two credit cards within the same lender are not possible, so you cannot balance transfer an amount from one Bankwest credit card to another.

      Cheers,

      Jonathan

  10. Default Gravatar
    Lesley
    January 17, 2015

    If my husband applies for this card with the interest free period, can he incorporate debt from a card (different bank) in my name?

    • Avatarfinder Customer Care
      Jonathan
      January 19, 2015

      Hi Lesley,

      Thanks for your question!

      In regards to balance transferring an amount of debt from a partner or spouse there are a couple of things to consider. It will depend on the credit issuer and the type of account the transfer is originating from and the recipient account type. Bankwest’s terms for joint balance transfers include “You can transfer between any two people’s names provided they are added as a signatory to the new account.” For the full details regarding balance transferring an amount from a partner please see this page.

      I hope this helps!

      Cheers,

      Jonathan

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