Bankwest More Platinum Mastercard

Earn points per $1 spent and collect 75,000 bonus points each year when you spend at least $48,000 on eligible purchases.

The Bankwest More Platinum Mastercard earns 2 rewards points per $1 spent on eligible purchases that can be redeemed for gift cards, experiences, travel, merchandise and more.

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0% p.a.

Balance transfer rate

for 6 months with 1% balance transfer fee


Bonus points

19.99% p.a.

Purchase rate


Reward points

Per $ spent

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Product NameBankwest More Platinum 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 limit
Purchase rate19.99% p.a.
Annual fee$160
Interest-free periodUp to 44 days on purchases
Cash advance rate21.99% p.a.
Min credit limit$6,000
Card typeMastercard
Foreign currency conversion fee0%
Available to temporary residentsYes
Joint applicationNo


  • 75,000 annual bonus points when you spend at least $48,000 per year
  • 0% foreign transaction fees on online and overseas purchases.
  • Up to 3 additional cardholders at no extra cost


  • Relatively high annual fee of $160
  • More Rewards Points cannot be converted to frequent flyer
Rewards programBankwest More Rewards Program
Bonus points75,000
Rewards points per $ spent2
Rewards points cap400,000
Annual fee$160
Minimum monthly repayment2% of the closing balance or $20, whichever is greater
Late payment fee$25
Foreign currency conversion fee0%
Cash advance fee2% or $4, whichever is greater
Overseas cash advance fee2% or $4, whichever is greater
Overseas ATM withdrawal fee$0
Additional cardholder fee$0
Number of additional cardholders3

Review by

Amy Bradney-George has been writing about personal finance for more than 13 years – including over 600 articles as a senior writer for Finder. Her work has also appeared in publications including Money Magazine, The Sydney Morning Herald, Financy, ABC News Australia and Equity Magazine. Amy has a Bachelor of Arts in Journalism and Drama from Griffith University.

Expert review

The Bankwest More Platinum Mastercard is a rewards credit card that favours bigger spenders as well as travellers, with key features including a large bonus points offer, 0% foreign transaction fees and complimentary overseas travel insurance. While most bonus point offers typically apply for the first few months you have a card, the Bankwest More Platinum Mastercard favours loyalty by offering 75,000 bonus points each year when you meet the $48,000 yearly spend requirement.

How to apply

If you've compared your options and decided the Bankwest More Platinum Mastercard is a good fit, you can apply for it by filling out a secure online application form. Get started by making sure you meet the following eligibility requirements and have all your documents and details handy.

Eligibility criteria

  • New Bankwest More Platinum 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 Classic 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. Earn 75,000 bonus points each year when you spend at least $48,000 on eligible purchases over the course of the year. This is on top of the 2 points per $1 spent you'll earn for eligible purchases. Points are capped at 400,000 per year (including bonus points).
  • 0% foreign transaction fee. If you're planning to use this card overseas or online with businesses that are based outside Australia, this card offers savings on every transaction with a 0% foreign currency conversion fee.

Rates & fees

  • Annual fee. This card charges an annual fee of $160.
  • Interest rates. This card has an interest rate of 19.99% p.a. for purchases and 21.99% p.a. for cash advances. Cash advances are also charged a fee of 2% of the transaction amount or $4 (whichever is greater).

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    Default Gravatar
    November 7, 2017

    can i change my existing Bankwest Mastercard to a Bankwest More Platinum Mastercard without proof of income?

      Default Gravatar
      November 7, 2017

      Hi Neil,

      Thank you for contacting finder. We are a comparison website and general information service, we’re more than happy to offer general advice.

      According to Bankwest’s representative, your current Bankwest card needs to have a limit of at least $6000 for them to be able to change the card. From there, all you need to do is contact them directly so that they can arrange it for you.

      I hope this helps.


    Default Gravatar
    September 10, 2017

    Am I able to load money on these credits cards as well ?

      Avatarfinder Customer Care
      September 10, 2017

      Hi Shaun,

      Thanks for your inquiry. Please note that we are not affiliated with Bankwest or any company we feature on our site and so we can only offer you general advice.

      Unfortunately, you cannot load/deposit money to these credit cards. Bankwest will only provide a credit limit that you can use upon your approval.

      I suggest contacting Bankwest directly by clicking on the green ‘Go to Site’ button on this page.


    Default Gravatar
    October 19, 2016

    Can I get more details on the ‘complimentary travel insurance’ especially age limit and to what extent does it covers on health and emergency requirements expressed in terms of dollars. Does it covers international cruising?

      Avatarfinder Customer Care
      October 19, 2016

      Hi John,

      Thank you for your inquiry.

      There is no age limit to be covered by Bankwest credit card complimentary travel insurance, although limits apply for pre-existing medical conditions.

      Please feel free to check out more details about Bankwest Credit Card Complimentary Insurance through our website. Alternatively, you can also contact Allianz on 1800 785 918 for insurance coverage specifics.


    Default Gravatar
    June 28, 2016

    Can you please clarify the precise level of insurance coverage offered in respect of Rental cars. If purchase is made on the Platinum More card is the excess reduced to zero.

      Avatarfinder Customer Care
      July 1, 2016

      Hi Jim,

      Thanks for your question.

      In the Bankwest Complimentary Credit Card Insurance PDS, though it does not state that if the purchase is made on the Bankwest More Platinum credit card the excess will reduce to zero, it rather outlines the following about the rental vehicle insurance excess:

      – page 37. Limit of A$3,000 for Platinum MasterCards

      – page 49. Allianz Global Assistance will reimburse you for any insurance excess or deductible which you become legally liable to pay in respect of a claim under the rental vehicle insurance during the rental period provided you met the conditions stated in the PDS.

      For your reference, I’ve emailed you the PDS.

      I hope this has helped.


    Default Gravatar
    January 5, 2016

    What airlines can reward points be used on?
    What is the exchange rate for BW points to KrisFlyer for example?

      Avatarfinder Customer Care
      January 6, 2016

      Hi Frank,

      Thanks for your question.

      You can’t directly transfer your Bankwest Rewards points to a specific airline. Instead, you can use your Bankwest Rewards to book flights through Webjet or redeem your points for gift vouchers with Virgin Australia, Accor and Flight Centre. Unfortunately, there aren’t any vouchers available for Singapore Airlines or KrisFlyer at the moment.

      I’ve emailed you a link to the Bankwest Rewards page so you can browse your options in further detail.

      I hope this has helped.



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