Home Bankwest More Mastercard

Bankwest More Mastercard

The Bankwest More Mastercard is a rewards credit card that offers simple features and a straightforward earn rate of 1.5 Bankwest More Rewards points per $1 spent on eligible purchases. You’ll also get an annual bonus of 19,500 points if your eligible spending totals $24,000 p.a. or more over the course of the year.

0% p.a.
Balance transfer rate for 6 months
(reverts to 19.99% p.a.)
0% p.a.
Purchase rate
Interest free for 44 days
$100
Annual fee
for 12 months ($100 p.a. thereafter)
$911
Annual savings (year 1)
Based on $5,000 balance at 20.21% interest
Card overview
Rates & fees
Pros & cons
Overview
TypeMastercard
Limits
Minimum Limit$1,000
Maximum Limit
Rewards
Rewards ProgramBankwest More Rewards Program
Bonus Points19,500
Rewards Points Per $ Spent1.5
Rewards Points Cap150000
Additional Card Holders
Additional Cardholder Fee
Number of Additional Cardholders
Eligibility
Minimum Age18
Available To Temporary ResidentsYes
Minimum Annual Salary
Joint ApplicationNo
The good bits
0% p.a. on purchases for 15 months, then 9.9% p.a.
$0 annual fee in year 1 ($49 annual fee ongoing)
Complimentary overseas travel insurance.
0% on balance transfers for 26 months.
3 additional cardholders at no extra cost.
$0 annual fee for the first year
Balance transfer offer of 0% p.a. for 15 months.
No foreign transaction fees on overseas purchases.
$0 annual fee for the life of the card
The bad bits
2.95% foreign transaction fee.
Charges a one-time 2% balance transfer fee.
Does not have a rewards program.
Balance Transfer Rate Details
Initial Balance Transfer Rate0% p.a.
Balance Transfer Fee1%
Initial Period6 months
Balance Revert Ratereverts to 19.99% p.a.
Annual Fees
Annual Fee (Year 1)$100
Annual Fee (Ongoing)$100 p.a.
Overseas Usage
Overseas Cash Advance Fee2% or $4, whichever is greater.
Overseas ATM Withdrawal Fee$
Purchase Rate Details
Initial Purchase Rate0%
Initial Period44 days
Purchase Revert Rate19.99%
Cash Advance Charges
Cash Advance Rate21.99% p.a.
Cash Advance Fee
Repayments
Minimum Monthly Repayment2% of the closing balance or $20, whichever is greater.
Late Payment Fee$25

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Frequently asked questions

Firstly, ask yourself why you need a credit card. Do you want to earn airmiles, transfer an existing balance to a lower (or 0%) interest rate? Once you are clear on the purpose, use our credit card comparison tool to find the one that meets your requirements.

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We hope so! Our individual credit card overviews will give you an idea of application success. Some cards require a minimum annual salary for example.

If you are a temporary resident, you will need to check our credit card guides to make sure you are legible for the card you have chosen.

Your application could be rejected for a number of reasons. The most likely however, is your personal credit score.

If you are someone that has debt, or has not paid off debt regularly with a previous credit card provider, your application can be rejected.

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