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Compare Bankwest More Mastercard®
| Range of credit cards | Bankwest More Mastercard
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| Type | Classic | Platinum | World |
| Rates and fees |
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| 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. | 19.99% p.a. | 19.99% p.a. | 19.99% p.a. |
| Minimum credit limits |
$1,000 |
$6,000 | $12,000 |
| Cash advance rates ? |
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 ? |
3% of transaction amount or $4 (whichever is greater) |
3% of transaction amount or $4 (whichever is greater) |
3% of transaction amount or $4 (whichever is greater) |
| Features | |||
| Interest free days on purchases 5 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. | Up to 44 days | Up to 44 days | Up to 44 days |
| Points earned on eligible purchases | 1.5 More Rewards points per $1 spent on eligible purchases up to 150,000 points every year ? 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. | 2 More Rewards points per $1 spent on eligible purchases up to 400,000 points every year ? 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. | 2.5 More Rewards points per $1 spent on eligible purchases with unlimited points earning potential ? 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. |
| Availability as part of Complete Home Loan Package | Yes | Yes | Yes |
| Complimentary 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 review the Mastercard Travel Pass Terms & Conditions before you make your first lounge visit. Download the Mastercard Travel Pass app from the App Store, Google Play or the Mastercard Travel Pass website. For more information refer to the 'Things you should know' section at the bottom of this page. | Not available | Not available | Available |
| Apply | |||
| Bankwest More Mastercard Earn and redeem More Rewards points 1 | ||||||||||||||
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| Classic | 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 |
21.99% p.a. |
2.95% of the transaction amount |
3% of transaction amount or $4 (whichever is greater) |
Up to 44 days | 1.5 More Rewards points per $1 spent on eligible purchases up to 150,000 points every year ? 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. | Yes | Not available | Not available | Not available |
| Platinum | 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% |
3% of transaction amount or $4 (whichever is greater) |
Up to 44 days | 2 More Rewards points per $1 spent on eligible purchases up to 400,000 points every year ? 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. | Yes | Available | Available | Not available |
| World | 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% |
3% of transaction amount or $4 (whichever is greater) |
Up to 44 days | 2.5 More Rewards points per $1 spent on eligible purchases with unlimited points earning potential ? 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. | Yes | 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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There is a limit of one Bankwest More Mastercard per customer.
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.
- 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.
- 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.
- 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.
- 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.
Complimentary overseas travel insurance provides base cover only. Limitations, exclusions, and eligibility criteria apply. See the Credit Card Insurances Product Disclosure Statement and Information Booklet (PDF) for details.
Coronavirus (COVID-19)
Cover is available for overseas medical expenses incurred due to COVID-19. No cover is available under any other benefit or if you are travelling on a cruise. Terms and conditions apply. For more information please refer to the Credit Card Insurance PDS (PDF).
- To gain access to participating airport lounges, you must register your Bankwest More World Mastercard on the Mastercard Travel Pass website or app, generate a membership QR code and present this along with your boarding pass for validation. More World Mastercard customers receive ten complimentary lounge visits every year, per account, each visit can be used by either the primary cardholder or guest. Guest must always be accompanied by the primary cardholder and cannot use the access on their own. Please note, your lounge access may be blocked if your account is closed, in arrears, reported lost or stolen, or has been blocked by us for any reason. To redeem an offer visit the Mastercard Travel Pass website or app, select your preferred offer and generate an offer QR code. Present the valid offer QR code to the cashier and redeem the offer. Please note, offers vary by location. Visit Mastercard Travel Pass website for information on accessing lounges, offer locations, a full list of Terms and Conditions and Frequently Asked Questions. Please review Mastercard Travel Pass Terms & Conditions before you make your first lounge visit.
Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.