Compare Bankwest More Mastercard®
1 Annual bonus points are for new More Mastercard customers only. For all terms and conditions of More Rewards Points, Annual Bonus Points and Introductory Bonus Points refer to the “Things you should know” section at the bottom of this page. Close   ? 2 ? The ongoing balance transfer rate is the rate that applies after the introductory period finishes.  Close ? Applies to online transfers and using your credit card to withdraw cash. Close 4 ? Applies to online transfers and using your credit card to withdraw cash. Close 5 Interest-free days on purchases apply when the total amount owing on your current statement is paid in full by the due date, and you have also paid off your previous month’s balance in full by its due date. Section 24 of our Credit Cards Conditions of Use further outlines how this interest-free period is calculated. Close 6 6 7 Please refer to the LoungeKey Terms and Conditions of Use before you make your first lounge visit. You will find these Terms and Conditions of Use at www.loungekey.com/bankwest. For more information refer to the 'Things you should know' section at the bottom of this page. Close

Range of credit cards Bankwest More Mastercard
Earn and redeem More Rewards points 1 Annual bonus points are for new More Mastercard customers only. For all terms and conditions of More Rewards Points, Annual Bonus Points and Introductory Bonus Points refer to the “Things you should know” section at the bottom of this page. Close
Bankwest More Mastercard
Bankwest More Mastercard
Bankwest More Mastercard
Type Classic Platinum World
Bonus points 
Annual bonus points  1 Annual bonus points are for new More Mastercard customers only. For all terms and conditions of More Rewards Points, Annual Bonus Points and Introductory Bonus Points refer to the “Things you should know” section at the bottom of this page. Close   19,500 75,000 115,000
Rates and fees
Purchase rates ? 19.99% p.a. 19.99% p.a. 19.99% p.a.
Annual fees $100 $160 $270
Intro balance transfer rates 2 0% p.a. Intro balance transfer rate for first 6 months (1% balance transfer fee applies) 3 0% p.a. Intro balance transfer rate for first 6 months (1% balance transfer fee applies) 3 0% p.a. Intro balance transfer rate for first 6 months (1% balance transfer fee applies) 3
Ongoing balance transfer rates ? The ongoing balance transfer rate is the rate that applies after the introductory period finishes.  Close 19.99% p.a. 19.99% p.a. 19.99% p.a.
Minimum credit limits

$1,000

To earn Annual Bonus Points you must have a minimum credit limit of $3,000.

$6,000 $12,000
Cash advance rates ? Applies to online transfers and using your credit card to withdraw cash. Close 21.99% p.a.
21.99% p.a. 21.99% p.a.
Foreign transaction fees 4 2.95% of the transaction amount 0% 0%
Cash advance fees ? Applies to online transfers and using your credit card to withdraw cash. Close 2% of transaction amount or $4 (whichever is greater)
2% of transaction amount or $4 (whichever is greater)
2% of transaction amount or $4 (whichever is greater)
Features
Interest-free days on purchases 5 Interest-free days on purchases apply when the total amount owing on your current statement is paid in full by the due date, and you have also paid off your previous month’s balance in full by its due date. Section 24 of our Credit Cards Conditions of Use further outlines how this interest-free period is calculated. Close Up to 44 days Up to 44 days Up to 44 days
Points earned on everyday spending 1.5 More Rewards points per $1 spent on eligible purchases ? 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. Close 2 More Rewards points per $1 spent on eligible purchases ? 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. Close 2.5 More Rewards points per $1 spent on eligible purchases ? 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. Close
Availability as part of Complete Home Loan Package Yes Yes No
Overseas Travel Insurance
6
Not available Available Available
Complimentary Extended Warranty, Price Guarantee Insurance and Purchase Security Insurance 6 Not available Available Available
Complimentary Airport lounge access 7 Please refer to the LoungeKey Terms and Conditions of Use before you make your first lounge visit. You will find these Terms and Conditions of Use at www.loungekey.com/bankwest. For more information refer to the 'Things you should know' section at the bottom of this page. Close Not available Not available Available
Bankwest More Mastercard
Earn and redeem More Rewards points 1 Annual bonus points are for new More Mastercard customers only. For all terms and conditions of More Rewards Points, Annual Bonus Points and Introductory Bonus Points refer to the “Things you should know” section at the bottom of this page. Close
Classic 19,500 19.99% p.a. $100 0% p.a. Intro balance transfer rate for first 6 months (1% balance transfer fee applies) 3 19.99% p.a.

$1,000

To earn Annual Bonus Points you must have a minimum credit limit of $3,000.

21.99% p.a.
2.95% of the transaction amount 2% of transaction amount or $4 (whichever is greater)
Up to 44 days 1.5 More Rewards points per $1 spent on eligible purchases ? 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. Close Yes Not available Not available Not available
Platinum 75,000 19.99% p.a. $160 0% p.a. Intro balance transfer rate for first 6 months (1% balance transfer fee applies) 3 19.99% p.a. $6,000 21.99% p.a. 0% 2% of transaction amount or $4 (whichever is greater)
Up to 44 days 2 More Rewards points per $1 spent on eligible purchases ? 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. Close Yes Available Available Not available
World 115,000 19.99% p.a. $270 0% p.a. Intro balance transfer rate for first 6 months (1% balance transfer fee applies) 3 19.99% p.a. $12,000 21.99% p.a. 0% 2% of transaction amount or $4 (whichever is greater)
Up to 44 days 2.5 More Rewards points per $1 spent on eligible purchases ? 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. Close No Available Available Available

Rates are subject to change. Other fees and charges may apply. A full list of fees will be outlined in your credit card contract.
Note: Your eligibility for a Classic, Platinum or World credit card depends on your approved limit.

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Things you should know

There is a limit of one Bankwest More Mastercard per customer.

1. More Rewards Points:
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 are earned on eligible purchases only. Points earned and redemption values subject to change. The total More Rewards Points (including any bonus points) that can be earned in each year are: 150,000 Points if your Card is a Classic Card, and 400,000 Points if your Card is a Platinum Card. More Rewards Points (outside any bonus points) will only be credited to your account once you have spent at least $1,500 on eligible purchases and your account has been opened for at least 2 months.

Annual bonus points:
Annual Bonus points are only available to new customers who apply for a Bankwest More Mastercard on or after 15 May 2017 and meet minimum spend requirements in any Year from Card Account opening. Eligible customers will earn: 19,500 Points if your Card is a Classic Card and you spend a minimum of $24,000 on Eligible Purchases in that Year; 75,000 Points if your Card is a Platinum Card and you spend a minimum of $48,000 on Eligible Purchases in that Year; and 115,000 Points if your Card is a World Card and you spend a minimum of $84,000 on Eligible Purchases in that Year. See Bankwest More Rewards Terms and Conditions (PDF)  for more information.

2. Introductory rate on balance transfers:

  • Introductory rate on balance transfers is available to new credit card customers only.
  • Applies from the date the card is opened, regardless of when any balance transfer is processed by us.
  • After intro period, the interest rate on any outstanding transferred balance will be charged at the ongoing balance transfer rate as outlined in your credit card schedule
  • Minimum balance transfer amount is $500
  • A request will only be processed up to 95% of your approved credit limit.
  • Only non-Bankwest-branded credit cards can be balance transferred to Bankwest Mastercard credit cards.

View balance transfer terms and conditions.

3. Introductory rate on balance transfers is available for a limited time and 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.

4. 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 apply for Platinum or World customers. Other fees and charges may apply, including when using overseas ATMs.

5. Interest-free days on purchases apply when the total amount owing on your current statement (including any balance transfer amount) is paid in full by the due date, and you have also paid off your previous month’s balance in full by its due date. Section 24 of our Credit Cards Conditions of Use (PDF) further outlines how this interest-free period is calculated.

6. Limitations, exclusions and eligibility criteria apply. See the Credit Card Insurances Product Disclosure Statement and Information Booklet (PDF) for details.

From 1 October 2018 we’re changing our insurance provider as well as the Overseas Travel Insurance cover provided to customers 80 years of age and over. Find out more about the changes to credit card insurance.

7. Please refer to the LoungeKey Terms and Conditions of Use before you make your first lounge visit. You will find these Terms and Conditions of Use at www.loungekey.com/bankwest. Terms and Conditions of Use may be subject to change at any time without prior notice. Lounge information, including the list of lounges you are eligible to visit, and more detailed information about these lounges, including location, opening times, facilities available and specific conditions applicable to each lounge is available from www.loungekey.com/bankwest, the LoungeKey app and LoungeKey customer service center. You must have your eligible Mastercard payment card with you and identify yourself as a “LoungeKey customer” in order to be given access to the lounges. Please note that you will be charged for any lounge visits which are not part of the LoungeKey program.


World Mastercard Program terms and conditions apply. Visit www.mastercard.com.au/world for details about World Mastercard experiences. Mastercard and the Mastercard brand mark are registered trademarks, and the circles design and Tap & go are trademarks of Mastercard International Incorporated.