Bankwest More Rewards

Everything you need to know about earning and redeeming with Bankwest More Rewards.

The Bankwest More Rewards program is designed to give credit card customers greater value when they pay with plastic. It offers points for every eligible purchase, which can then be redeemed for a wide range of items and services, including travel, electronics and gift cards. Here, we look at the key details of this rewards program so you can compare it to other options and choose a credit card that’s right for you.

Bankwest More Mastercard

Receive 19,500 bonus More
Rewards Points every year

Eligibility criteria, terms and conditions, fees and charges apply

Bankwest Credit Card Offer

Receive bonus points with a low interest rate on balance transfers and earn 1.5 rewards points on every dollar you spend.

  • $100 p.a. annual fee.
  • 19.99% p.a. on purchases
  • 0.00% p.a. for 6 months with 1% BT fee on balance transfers
  • Cash advance rate of 21.99% p.a.
  • Up to 44 days interest free
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Credit cards that earn Bankwest More Rewards

Rates last updated November 20th, 2017
Name Product Bonus Points Rewards Points per $ spent (VISA/MC) Rewards Points per $ spent (AMEX) Purchase rate (p.a.) Annual fee Product Description
Bankwest More Mastercard
19,500 bonus points
19.99% p.a.
$100 p.a.
Earn 1.5 More Rewards Points per $1 spent and get free worldwide emergency card replacement.
Bankwest More Platinum Mastercard
75,000 bonus points
19.99% p.a.
$160 p.a.
Earn 2 More Rewards Points per $1 spent and pay 0% foreign transaction fees for online and overseas purchases.

Compare up to 4 providers

Rates last updated November 20th, 2017
Name Product Bonus Points Rewards Points per $ spent (VISA/MC) Rewards Points per $ spent (AMEX) Purchase rate (p.a.) Annual fee Product Description
Virgin Australia Velocity Flyer Card - Bonus Points Offer
60,000 bonus points
20.74% p.a.
$64 p.a. annual fee for the first year ($129 p.a. thereafter)
Earn up to 60,000 bonus Velocity Points in the first 3 months on eligible spend and enjoy a discounted annual fee of $64 for the first year.
Qantas Premier Platinum
75,000 bonus points
19.99% p.a.
$149 p.a. annual fee for the first year ($299 p.a. thereafter)
Fly faster with up to 2 Qantas Points per $1 spent, receive 2 yearly complimentary Qantas Club lounge invitations, plus, included travel insurance.
Citi Platinum Credit Card - 100k Bonus Points
100,000 bonus points
20.99% p.a.
$49 p.a. annual fee for the first year ($149 p.a. thereafter)
Earn 100,000 reward Points, take advantage of a long-term balance transfer offer and receive complimentary travel insurance.
Virgin Australia Velocity Flyer Card - 0% Interest Offer
0% p.a. for 12 months (reverts to 20.74% p.a.)
$129 p.a.
Save with 0% p.a. on purchases for 12 months. Plus, a $129 Virgin Australia Gift Voucher every year you hold the card.
ANZ Frequent Flyer Platinum
65,000 bonus points
19.99% p.a.
$0 p.a. annual fee for the first year ($295 p.a. thereafter)
Get 65,000 bonus Qantas Points when you apply online, are approved and spend $2,500 on eligible purchases within the first 3 months.
HSBC Platinum Qantas Credit Card
60,000 bonus points
19.99% p.a.
$199 p.a.
Offers complimentary membership to the Qantas Frequent Flyer Program and international travel insurance included.
ANZ Frequent Flyer Black
75,000 bonus points
19.99% p.a.
$0 p.a. annual fee for the first year ($425 p.a. thereafter)
Take advantage of 75 Bonus Status Credits when you apply by 24 January 2018, and buy and fly return with Qantas by 31 May 2018.
NAB Qantas Rewards Signature Card
100,000 bonus points
19.99% p.a.
$395 p.a.
Earn Qantas Points for your spending combined with overseas travel insurance and a balance transfer rate of 4.99% p.a. for 6 months.
Qantas American Express Discovery Card
20.74% p.a.
$0 p.a.
Earn Qantas points that can be redeemed for a one way, return or multi-destination Classic Flight Reward on over 50 partner airlines.
NAB Rewards Signature Card
100,000 bonus points
19.99% p.a.
$295 p.a.
Earn NAB Rewards points on your everyday spending and enjoy a points booster at selected major retailers. Plus, seven complimentary insurances.
bcu Rewards credit card
12.80% p.a.
$89 p.a.
Enjoy a low ongoing purchase rate, get 0.66% cashback for every dollar spent, plus take advantage of up to 55 days interest-free on purchases.
Citi Rewards Platinum Credit Card
20.99% p.a.
$49 p.a. annual fee for the first year ($149 p.a. thereafter)
Consolidate your debt with a low balance transfer offer of 0% p.a. for 24 months and get a host of platinum privileges.
ANZ Rewards Black Credit Card
75,000 bonus points
18.79% p.a.
$0 p.a. annual fee for the first year ($375 p.a. thereafter)
Offers unlimited access to participating Véloce airport lounges outside of Australia and a personal 24/7 concierge service.
Qantas American Express Premium Card
30,000 bonus points
20.74% p.a.
$249 p.a.
Enjoy two complimentary Qantas Club lounge invitations per year and the protection of complimentary travel insurance.
St.George Amplify Platinum - Amplify Qantas
40,000 bonus points
19.49% p.a.
$99 p.a.
Earn uncapped Qantas points on your eligible spending and receive complimentary travel and purchase protection insurance.

Compare up to 4 providers

What is the Bankwest More Rewards program?

This rewards program earns you points for every $1 you spend on a Bankwest More Mastercard. The standard earn rate for these credit cards ranges from 1.5 points per $1 to 2.5 points per $1, making them some of the highest-earning rewards options currently available.

You can also earn More Rewards with a Bankwest Rewards Transaction Account. This everyday bank account earns 1 point per day for every $100 in your account, 5 points for every debit Mastercard purchase in Australia and 10 points for debit Mastercard transactions overseas.

When you earn enough Bankwest More Rewards points, you can use them to redeem over 3,000 different products and experiences available through the online catalogue. Any unredeemed rewards points expire after three years.

Which credit cards earn Bankwest More Rewards?

There are three Bankwest credit cards on the market that earn More Rewards. We’ve outlined their features in the table below:

Bankwest More Rewards

Credit CardPoint earn ratePoints cap (per annum)Standard variable purchase rateAnnual fee
Bankwest More Mastercard1.5 points per $119.99% p.a.$100 p.a.
Bankwest More Platinum Mastercard2 points per $119.99% p.a.$160 p.a.
Bankwest More World Mastercard2.5 points per $1Uncapped19.99% p.a.$270 p.a.
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What rewards can I get with a Bankwest More Rewards credit card?

The Bankwest More Rewards website has a catalogue of products and services you can redeem with your points. Redemptions start from 6,500 points for a $20 gift card, although you can make smaller redemptions if you use the “Points + Pay” option. The More Rewards catalogue is also organised into the following categories:

  • Travel. You can redeem your More Rewards points for flights and other travel services directly through Webjet, with options starting from 13,200 points for a one-way economy trip from Sydney to Melbourne.
  • Gift cards. Gift cards are available for general retail outlets such as Myer, Harvey Norman and Westfield shopping centres, as well as hotels, cinemas, theme parks and travel companies including Flight Centre and Virgin Australia.
  • Entertainment. Redeem points for experiences such as Gold Class movie screenings, dinner cruises and jet boat rides.
  • Food and wine. Choose from bottles of wine or spirits, gourmet gift packs and hampers.
  • Fitness and outdoor. This section offers everything from watches and golf equipment to gym gear and camping supplies.
  • Electrical. Redeem your points for an iPhone 6 (227,900–264,350 points), new tablet (from 50,500 points), camera, headphones, games console or a wide range of other tech items in this section of the catalogue.
  • Beauty and fashion. Items here include designer fragrances, sunglasses, jewellery, handbags and beauty care products for both women and men.
  • Baby and kids. Some highlights of this category include Monopoly (16,500 points), Skip*Hop backpacks (from 12,850 points) and LEGO toys (from 12,850 points).
  • Travel and luggage. As well as redeeming points for Webjet bookings or travel-related gift cards, you can get suitcases, backpacks, travel guides and other travel accessories through the More Rewards catalogue.

How to redeem Bankwest More Rewards points

Providing you have had a Bankwest More credit card for at least 60 days and spent $1,500 on the account, you can redeem your Bankwest More Rewards at any time using the following steps:

  • Log in to your Bankwest More Rewards account using your member ID and password (provided when you sign up for your credit card).
  • Browse the rewards available.
  • Select your reward and click on “Add to cart and check out” when you are ready to make your redemption.
  • Choose whether to make the redemption with points or using “Points + Pay”.
  • Finalise the redemption.

The cost of postage (where applicable) is also included in the points price for each item, and despatch is usually made within 1–10 business days. Redemptions for services such as Webjet bookings, on the other hand, can be made straight away.

Other factors to consider before choosing a Bankwest More Rewards credit card

If you are thinking of getting a Bankwest More credit card to become a member of this program, make sure you consider these features before you apply.

  • Interest rates. The Bankwest More Mastercards all have a standard variable purchase rate of 19.99% p.a. which will be applied to any purchases you make when you carry a balance. These cards also have a cash advance interest rate of 21.99% p.a. for ATM withdrawals and other cash advance transactions.
  • Annual fees. The annual fees for these Bankwest cards range from $70 to $240. You should weigh this cost up against your potential rewards to make sure you will get value out of the card that you choose.
  • Other fees. Other costs you may have to deal with when you get a Bankwest More credit card include cash advance fees, a late payment charge of $25, a dishonour fee of $10 and a foreign currency fee worth 2.95% of the total transaction (waived for Bankwest More Platinum and World Mastercard cardholders). Check out the Bankwest Current Interest Rates and Fees page on the bank's website for full details of potential charges for these credit cards.
  • Complimentary extras. The Bankwest More Platinum and World cards come with complimentary benefits including international credit card travel insurance, purchase security cover, extended warranties and purchase price guarantees. They also offer a personal concierge service to help you book holidays, make restaurant reservations and deal with overseas arrangements.
  • Bonus points. If your Bankwest More credit card application is approved and you meet the eligibility criteria, you can get a bonus 19,500 points, 75,000 points or 115,000 with the Bankwest More, More Platinum and More World cards respectively.
  • Points cap. Both the Classic and Platinum More credit cards limit the amount of points you can earn each year, so it’s important to check your average credit card spending to find out if these caps will affect you. For example, the More Mastercard offers 1.5 points per $1 and has an annual cap of points. For this card, you would have to spend more than $100,000 per year to reach that limit.
  • Points expiry. Bankwest More Rewards points expire after 36 months, so you will not get any value out of them if you don’t use them within that timeframe.

The More Rewards program gives you a chance to get added value out of using a Bankwest credit card, offering points for every $1 spent and bonuses for new customers. But all three Bankwest More credit cards also come with other fees and conditions, so it’s important to weigh these features up against the potential benefits to make sure you choose a card that really suits your spending habits and needs.

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Amy Bradney-George

Amy is a Senior Writer at with more than 10 years experience covering credit cards, personal finance and various lifestyle topics. When she’s not sharing her knowledge on money matters, Amy spends her time as an actress.

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    kassandraLheywoodFebruary 4, 2017

    I want a Commonwealth Bank credit card

    • Staff
      MayFebruary 5, 2017Staff

      Hi Kassandra,

      Thanks for reaching out.

      The different credit cards offered by CBA are listed on this page. If you’d like to check the credit cards issued by other banks, you may refer to this page.

      Hope this helps.


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