Rewards credit card

The everyday rewards card that keeps on giving every year.

Benefits

Earn and redeem More Rewards Points

Use your credit card for everyday eligible purchases and earn points at the same time. ? 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

Start window shopping at the More Rewards website.

Annual Rewards points

Earn Annual Bonus Points every year you meet minimum spend requirements on a new More Mastercard. T&Cs apply. 1 For the terms and conditions of More Rewards Points and Annual Bonus points refer to the “Things you should know” section at the bottom of this page. Close

Interest-free period

Get up to 44 interest-free days on purchases. 2 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

Save on foreign transaction fees

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

There are three types of rewards credit cards

Classic

19.5K annual bonus points. Min. spend applies. 1 For the terms and conditions of More Rewards Points and Annual Bonus points refer to the “Things you should know” section at the bottom of this page. Close
  • Potential earning of 55,500 points can be redeemed for $100 cashback 8 Redemption values current at 14 August 2017, points are awarded yearly and take into account bonus points and points earned when minimum spend requirements are met. Rewards and redemption values subject to change and availability. Close
  • 1.5 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
  • $1,000 minimum credit limit 7 To earn Annual Bonus Points you must have a minimum credit limit of $3,000.
     
    Close 

Platinum

75K annual bonus points. Min. spend applies. 1 For the terms and conditions of More Rewards Points and Annual Bonus points refer to the “Things you should know” section at the bottom of this page. Close
  • Potential earning of 171,000 points can be redeemed for $450 cashback 8 Redemption values current at 14 August 2017, points are awarded yearly and take into account bonus points and points earned when minimum spend requirements are met. Rewards and redemption values subject to change and availability. Close
  • 2 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
  • $6,000 minimum credit limit

World

115K annual bonus points. Min. spend applies. 1 For the terms and conditions of More Rewards Points and Annual Bonus points refer to the “Things you should know” section at the bottom of this page. Close
  • Potential earning of 325,000 points can be redeemed for $850 cashback 8 Redemption values current at 14 August 2017, points are awarded yearly and take into account bonus points and points earned when minimum spend requirements are met. Rewards and redemption values subject to change and availability. Close
  • 2.5 points per $1 spent on eligible purchases with no points cap ? 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
  • Enjoy unlimited complimentary airport lounge visits for you and your accompanying guests to more than 800 participating airport lounges worldwide with LoungeKey 9 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. Close . Visit loungekey.com/Bankwest for more details.
  • $12,000 minimum credit limit

How it works

Watch the video below to see how you can get more out of your everyday spend.

Video: How the More Rewards Program Works

Learn more about the More Rewards Program

Rates and fees

Show me the rates and fees for

Rates
Rate Type Rate
Purchase rate ? The ongoing purchase rate is the rate that applies to purchases after the introductory period finishes. Close
19.99% p.a.
Introductory balance transfer rate for the first 6 months 6 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.  Close 19.99% p.a.
Cash advances ? Applies to online transfers and using your credit card to withdraw cash. Close
21.99% p.a.
More
Fees
Fee Type Amount
Annual fee $160
Annual fee $100
Annual fee $270
Foreign transaction fee Waived (Normally 2.95% of the transaction amount) 3 No foreign transaction fees for Platinum and World customers for transactions occurring outside Australia whether in foreign currency or Australian dollars. This applies to online and overseas purchases. Other fees and charges may apply, including when using overseas ATMs. Close
Foreign transaction fee ? For each transaction occurring outside Australia whether in foreign currency or Australian dollars. Close 2.95% of the transaction amount
Late payment administrative fee ? When the minimum payment is not processed by the due date.  Close $25 per statement period
Cash advance fee 2% of transaction amount or $4 (whichever is greater)
Dishonour fee ? Each time there is a dishonoured payment into the account. For example, a dishonoured periodical/scheduled payment or cheque deposit. Close $10 each time
Paper statement fee ? Avoid this fee with eStatements.
Close
$1.25 per statement
More

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.

Apply today 

Here are your next steps...

Check your eligibility

  • People 18 years or over
  • Australian permanent residents
  • Only one Bankwest More Mastercard account per customer.
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Things you need for your application

  • Photo identification such as an Australian driver's licence or passport. Or see a handy list of other ID documents we’ll accept.
  • Employment details, including length of employment and employer contact numbers
  • Financial information including income, expenses and assets.

Find out more about what you may need to provide.

Already started? Resume your application.

Need help choosing or managing your credit card?

Speak with someone from the team today.

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 (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. 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.

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

6. Introductory rate on balance transfers: 

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.

View balance transfer terms and conditions

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

8. Redemption values current at 14 August 2017, points are awarded yearly and take into account bonus points and points earned when minimum spend requirements are met. Rewards and redemption values subject to change and availability.

9. 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.

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.