In this guide

  • Our verdict
  • Details
    • Product details
    • Eligibility
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates & fees
  • Your reviews
  • Ask a question
Finder makes money from featured partners, but editorial opinions are our own.
Bankwest More Classic Mastercard
Terms and conditions apply
Balance transfer rate for 6 months with 1% balance transfer fee
0% p.a.
Purchase rate
19.99% p.a.
Reward points per $ spent
1.5
Annual fee
$100 p.a.

Our verdict

Earn points for everyday purchases, save with a 0% balance transfer offer and enjoy perks through the Bankwest More Rewards program.

The Bankwest More Classic 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 you can save with 0% p.a. for 6 months on balance transfers (with a one-time 1% balance transfer fee).

Pros

  • 1.5 reward points per $1 spent on eligible purchases
  • 0% p.a. for 6 months on balance transfers

Cons

  • Points are capped at 150,000 per year
  • Annual fee of $100 p.a. is relatively high for a standard-tier card
  • Charges a 1% BT fee

In this guide

  • Our verdict
  • Details
    • Product details
    • Eligibility
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates & fees
  • Your reviews
  • Ask a question

The Bankwest More Classic 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.

Details

Product details

Product Name Bankwest More Classic Mastercard
Balance transfer rate p.a. 0% for 6 months with 1% balance transfer fee, then 19.99%
Balance transfer limit 95% of available limit
Purchase rate p.a. 19.99%
Interest-free period Up to 44 days on purchases
Cash advance rate p.a. 21.99%
Min credit limit $1,000
Card type Mastercard

Eligibility

Available to temporary residents No
Joint application No

Rewards

Rewards program Bankwest More Rewards Program
Bonus points N/A
Rewards points per $ spent 1.5
Rewards points cap 150,000

Fees

Annual fee $100
Minimum monthly repayment 2% of the closing balance or $20, whichever is greater
Late payment fee $25
Foreign currency conversion fee 2.95%
Cash advance fee 3% or $4, whichever is greater
Overseas cash advance fee 3% or $4, whichever is greater
Number of additional cardholders 3

How to apply

You can apply for the Bankwest More Classic 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 customer. The balance transfer offer is 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 the balance transfer offer, you can transfer from $500 up to 95% of your available credit limit from non-Bankwest credit cards.

Card benefits

  • Bankwest More Rewards. Once you have had your account for at least 60 days, you can redeem points through the Bankwest More Rewards program, with items including gift cards and cash back on your account. Note that there are currently no frequent flyer point transfer partners and that points expire 3 years after they have been earned.
  • Balance transfer offer. This card comes with an introductory balance transfer rate of 0% p.a. for the first 6 months, with a one-time 1% balance transfer fee. A standard balance transfer rate of 19.99% p.a. will be charged for any remaining balance after the introductory period. You also won't earn any points on balance transfers.

Rates & fees

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

Your reviews

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Amy Finder

Editor

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Avatar

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?


Avatar

Anndy Finder

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


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Mr Ward

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


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Sharon Finder

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 our guide on how not to fall for a balance transfer trap.


Please ensure to read through the relevant product disclosure statement and terms and conditions to ensure that you got everything covered on your credit card transactions.


I hope this helps.

Sharon


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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


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Jonathan Finder

April 13, 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


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ADZ

April 02, 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


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Avatar

Jonathan Finder

April 02, 2015

Hi ADZ,


Thanks for your inquiry.


That is correct, the Bank of Melbourne and St.George are part of the Westpac group balance transfers between the banks are not supported. Our handy guide on banks you can balance transfer to will serve as your reference before moving your balance to another card. You can also see a list of balance transfer credit cards to compare. Select ‘Go to Site’ if you are ready to apply. Please ensure to read through the relevant product disclosure statement and terms and conditions to ensure that you got everything covered before applying.


Cheers,

Jonathan


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steve

March 04, 2015

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


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Ken

December 07, 2015

how do I redeem my points?


Avatar

Jonathan Finder

March 04, 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


Go to site