Earn more rewards with a More Platinum credit card

The Bankwest More Platinum Mastercard® is the everyday card that rewards you for spending on eligible purchases. 1

Benefits of More Platinum Mastercard

Earn and redeem More Rewards points

Earn 2 points per $1 spent on eligible purchases, up to 400,000 More Rewards points every year. Choose to redeem your points for cashback or a range of digital gift cards on the More Rewards website. 1 ? Most purchases are eligible purchases except some things such as balance transfers, bank fees, gambling, government charges and anything else listed in Section 5 of our Bankwest More Rewards terms and conditions.

Save on foreign transaction fees

No foreign transaction fees on online and overseas purchases. 6

Interest free days

Up to 44 interest free days on purchases. 2 You qualify for interest free days on purchases if you pay the closing balance owing (excluding any promotional or introductory balance transfer amount) on your current statement in full by the due date. Section 24 of our Credit Cards Conditions of Use (PDF) further outlines how this interest free period is calculated.

Purchase now, pay off later

With Easy Instalments purchase plans, you can spread the cost of up to five eligible purchases over four manageable monthly instalments, at 0% p.a. Plus, you can manage them in the app. 3 See the 'Things you should know’ section at the bottom of this page for the full T&Cs.

We have your travel and shopping needs covered

Rates and fees

Rates
Rate type Rate
Purchase rate ?
19.99% p.a.
Introductory balance transfer rate for the first 6 months 5
0% p.a. (1% balance transfer fee applies)
Ongoing balance transfer rate ? The ongoing balance transfer rate is the rate that applies after the introductory period finishes. 
19.99% p.a.
Cash advances ?
21.99% p.a.
Rates
Rate type
Rate
Purchase rate ?
19.99% p.a.
Introductory balance transfer rate for the first 6 months 5
0% p.a. (1% balance transfer fee applies)
Ongoing balance transfer rate ? The ongoing balance transfer rate is the rate that applies after the introductory period finishes. 
19.99% p.a.
Cash advances ?
21.99% p.a.
Fees
Fee type Amount
Annual fee
$160
Foreign transaction fee 6
Waived (Normally 2.95% of the transaction amount)
Late payment administrative fee ? When the minimum payment is not processed by the due date. This includes any amount shown on your card account statement as 'amount due immediately'.
$25 per statement period
Cash advance fee
3% of transaction amount or $4 (whichever is greater)
Paper statement fee ? Avoid this fee with eStatements.
$1.25 per statement
Fees
Fee type
Amount
Annual fee
$160
Foreign transaction fee 6
Waived (Normally 2.95% of the transaction amount)
Late payment administrative fee ? When the minimum payment is not processed by the due date. This includes any amount shown on your card account statement as 'amount due immediately'.
$25 per statement period
Cash advance fee
3% of transaction amount or $4 (whichever is greater)
Paper statement fee ? Avoid this fee with eStatements.
$1.25 per statement

Rates are subject to change. Other fees and charges may apply. A full list of fees will be outlined in your credit card contract.

See the Credit Card Key Facts Sheet (PDF).

Apply today

Check your eligibility

  • This card is available to people 18 years and over who are Australian permanent residents
  • Only one Bankwest More Mastercard account per customer
  • Minimum credit limit $6,000.

  1. More Rewards points are earned in accordance with and subject to the Bankwest More Rewards Terms and Conditions (PDF). Exclusions, limitations and points caps apply. More Rewards points will only be credited to your account once you have spent at least $1,500 on eligible purchases and your account has been open for at least 60 days.

    Annual bonus points will not be available to Account Holders who open a Card Account after 31 July 2023. See Bankwest More Rewards Terms and Conditions (PDF) for more information.

  2. You qualify for interest free days on purchases if you pay the closing balance owing (excluding any promotional or introductory balance transfer amount) on your current statement in full by the due date. Section 24 of our Credit Cards Conditions of Use (PDF) further outlines how this interest-free period is calculated.
  3. Lending criteria, fees and charges apply. Terms and conditions apply and are available on request. Available on eligible purchases between $100 and $10,000. Cash advances, gambling transactions, balance transfers, purchases on a promotional offer and purchases made more than 30 days prior aren’t eligible. You won't be able to apply for an Easy Instalments plan if you don't meet our eligibility criteria (e.g. if you've exceeded your limit or if you're in default). When you apply for an Easy Instalments plan, you are requesting an amendment to your allocation of payments in accordance with clause 6. of the Easy Instalments Terms and Conditions. To apply payments in this order may mean that other balances that attract a higher interest rate may be repaid later which may result in you paying higher interest charges.
  4. Complimentary overseas travel insurance provides base cover only and limitations, exclusions and eligibility criteria apply. See the Credit Card Insurances Product Disclosure Statement and Information Booklet (PDF) for details.

    Coronavirus (COVID-19)
    COVID-19 cover under the Overseas Emergency Medical and Hospital Expenses benefit is now included for travellers whose journey commenced on or after 24 August 2022. If you have purchased any upgraded cover before 24 August, regardless of the date travel commences, COVID-19 cover is not included under Overseas Emergency Medical and Hospital Expenses benefit. There is no COVID-19 cover for cruise travel or cancellation claims related to COVID-19. Terms and conditions apply.

    There is no cover under any other benefit for claims related to COVID-19 for all destinations. For more information please refer to the Credit Card Insurance PDS (PDF).

  5. Introductory rate on balance transfers is available only to new Bankwest More Mastercard customers who apply from 15 May 2017 until the promotion ends, and are approved. A 1% Balance Transfer Fee is payable on all transactions to which that balance transfer rate applies. Introductory rate on balance transfers applies from the date the card is opened, regardless of when any balance transfer is processed by us. After the introductory period, the interest rate on any outstanding transferred balance will be outlined in your credit card schedule. Minimum balance transfer amount $500. A request will only be processed up to 95% of your approved limit. Only non-Bankwest-branded credit cards can be balance transferred to a Bankwest More Mastercard. You are not eligible for this promotion if you upgrade or vary your existing Bankwest credit card to a Bankwest More Mastercard.

    View balance transfer terms and conditions.
  6. Foreign transactions are transactions occurring outside of Australia whether in foreign currency or Australian dollars including if you are in Australia (for example, online) where the merchant or the financial institution or entity processing the transaction is located overseas. No foreign transaction fees or overseas ATM fees apply for Platinum or World customers. Other fees and charges may apply, including Overseas ATM operator and local non-bank ATM operators may charge a fee.

Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.