Compare Bankwest More Mastercard®
1 For the 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   1 For the 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   ? The ongoing purchase rate is the rate that applies to purchases after the introductory period finishes. 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 3 Foreign transactions are transactions occurring outside Australia whether in foreign currency or Australian dollars. No foreign transaction fees for Platinum or World customers for online and overseas purchases. Other fees and charges may apply, including when using overseas ATMs.
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? Applies to online transfers and using your credit card to withdraw cash. Close 4 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 5 Limitations, exclusions and eligibility criteria apply. See the Complimentary Credit Card Insurance booklet for details. Close

Range of credit cards Bankwest More Mastercard
Earn and redeem More Rewards points 1 For the 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 
Introductory bonus points  1 For the 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
Annual bonus points  1 For the 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 ? The ongoing purchase rate is the rate that applies to purchases after the introductory period finishes. Close 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) 6 0% p.a. Intro balance transfer rate for first 6 months (1% balance transfer fee applies) 6 0% p.a. Intro balance transfer rate for first 6 months (1% balance transfer fee applies) 6
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 3 Foreign transactions are transactions occurring outside Australia whether in foreign currency or Australian dollars. No foreign transaction fees for Platinum or World customers for online and overseas purchases. Other fees and charges may apply, including when using overseas ATMs.
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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 4 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
Complimentary international credit card travel insurance 5 Limitations, exclusions and eligibility criteria apply. See the Complimentary Credit Card Insurance booklet for details. Close Not available Available Available
Bankwest More Mastercard
Earn and redeem More Rewards points 1 For the 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 19,500 19.99% p.a. $100 0% p.a. Intro balance transfer rate for first 6 months (1% balance transfer fee applies) 6 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
Platinum 75,000 75,000 19.99% p.a. $160 0% p.a. Intro balance transfer rate for first 6 months (1% balance transfer fee applies) 6 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
World 115,000 115,000 19.99% p.a. $270 0% p.a. Intro balance transfer rate for first 6 months (1% balance transfer fee applies) 6 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

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

1. More Rewards points

More Rewards Points are earned in accordance with and subject to the Bankwest More Rewards Terms and Conditions. Exclusions, limitations and points caps apply. More Rewards Points are earned on eligible purchases only excluding (but not limited to) balance transfers. 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 More Rewards Points if your Card is a Classic Card, and 400,000 More Rewards 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  for more information.

Introductory bonus points

The More Rewards introductory bonus points promotion is available for a limited time and only to new Bankwest More Mastercard customers who apply from 15 May 2017 until the promotion ends, are approved and meet minimum spend requirements in the first 3 months from account opening. The number of bonus points are: 19,500 Points if your Card is a Classic Card and you spend a minimum of $2,000 on Eligible Purchases; 75,000 Points if your Card is a Platinum Card and you spend a minimum of $4,000 on Eligible Purchases; and 115,000 Points if your Card is a World Card and you spend a minimum of $7,000 on Eligible Purchases. Bonus points are subject to change. Bonus points will contribute to any annual points cap. Bonus points will be transferred to your account within four months of account opening. You are not eligible for this promotion if you upgrade or vary your existing Bankwest credit card to a Bankwest More Mastercard.

 

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.


3. Foreign transactions are transactions occurring outside Australia whether in foreign currency or Australian dollars. No foreign transaction fees for Platinum or World customers for online and overseas purchases. Other fees and charges may apply, including when using overseas ATMs.

4. 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 further outlines how this interest-free period is calculated.

5. Limitations, exclusions and eligibility criteria apply. See Complimentary Credit Card Insurance booklet for details.

6. 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.
 

There is a limit of one Bankwest More Mastercard per customer. Visit www.mastercard.com.au/world for details about World Mastercard experiences including terms and conditions. Mastercard, World Mastercard and the Mastercard brand mark are registered trademarks, and the circles design and tap & go are trademarks of Mastercard International Incorporated.