Bankwest More Mastercard

What do you want this card for?
Save money
Earn points
My rate: 
My annual fee: 
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Card features
balance transfer
purchase rate
annual fee
Money saved
19,500 points when you spend $24,000 in 1 year.
0% p.a. on balance transfers for 6 months
Earn up to 1.5 pts per $1 spent on eligible purchases.
Add to comparison
6 months
0% p.a.
then 19.99%
with a 1% fee
19.99% p.a.
saved over 6 months
Similar cards

Pros & cons

What's good?

What's not so good?

19,500 points when you spend $24,000 in 1 year.
0% p.a. on balance transfers for 6 months.
Free worldwide emergency card replacement.
Earn up to 1.5 pts per $1 spent on eligible purchases.
Use your points for webjet flights, hotels, gift cards and the latest merchandise.
Up to 3 additional cardholders for free.
Worldwide emergency card replacement.
The annual fee of $100 p.a.
1% balance transfer fee.

User reviews

3.2 out of 5.0 based on 7 reviews43% of reviewers would recommend this card

Rates and fees
Customer service

Reviews from users

I would not recommend this bank

Reviewed and not recommended by Joy on 02 Aug 2013

I’m not happy, and I would not recommend this bank to anyone the interest charged to me is too high and I have had no incentives I have never had any bonuses given to me. I would not recommend this bank. I will find another bank to offer me better.

It's not bad, yet not the best

Reviewed and not recommended by Paul on 21 Sep 2016

The bank has been very helpful all the time. When I needed help it was easy to get via the phone.

My card fees are bigger than I would like, but all in all it’s not too bad a card. It’s good not being able to overdraw, which I thought was a handy thing.

Reasonably good deal

Reviewed and recommended by Helen on 17 Aug 2013

Bankwest is a reasonably good credit card. The bank has lots of ATM’s these days but the interest rates are better elsewhere, like ANZ and Commonwealth Bank. This is mainly good for daily transactions, but I don’t spend a lot of money, otherwise i would rack up a lot of debt!

My BankWest More Mastercard is terrific!

Reviewed and recommended by Paul Breen on 13 Mar 2015

My BankWest More MasterCard is widely accepted and easily used. Interest rate is low. Couldn’t get a better credit card. Have used it for internet purchases and am extremely happy with the security. Whenever I have had a query this is answered promptly and efficiently with a minimum of fuss.

Hassle-free, safer than cash

Reviewed and recommended by Cherril on 14 Oct 2016

I have a MasterCard for emergency use only, therefore it is not used that often. I always try to pay it off within the month so that there are no fees or high interest to pay. If i use the card in this way my yearly fees are waived and i never have interest to pay.

So I have a card that gives instant cash in any situation, which is safer than carrying a spare few thousand dollars around in my wallet. It’s convenient, hassle-free, and fantastic to know it’s there as a back-up emergency plan.

Fees and charges are exorbitant

Reviewed and not recommended by Dotty on 28 Sep 2013

Fees are way too high! I think with the profits that banks make, they are overcharging for fees on credit cards. What more can you say – the fees are exorbitant! This is really annoying me – there is no more to say! What sort of game is this? Fees are too high!

Spend a lot for average rewards

Reviewed and not recommended by Ricky on 23 Aug 2016

As the title suggests, you must spend a lot to get an average amount of reward points. On the positive side, the time frame for points expiration is a fairly long time.

Cash back as a reward is a good bonus. There should be a card that combines rewards along with, say, Virgin Airlines or similar frequent flyer points .

Disclaimer: The opinions expressed about credit cards are the reviewer's alone, and do not reflect the views of Credit Card Compare or the credit card issuer. Reviews have not been approved or otherwise endorsed by Credit Card Compare.

The basics

About this card

Card setup
Card tier
Card type
Card use
Credit rating
Gambling transactions allowed
Joint application
Minimum age
18 years old
Minimum income
Minimum income for pensioners
Same as standard
Rewards program
More Rewards
Temporary residents


Additional cardholders
Additional card fee
$0 p.a.

Credit limits

Minimum credit limit
Maximum credit limit


Interest charged from
Purchase date
Interest free period
Up to 44 days on purchases
Minimum repayment

Balance transfers

The offer

Interest ratePeriodFeeLimitRevert rate
Balance transfers0% p.a.6 months1%95% of credit limit19.99% p.a.

Balance transfers to this card

Balance transfer earns rewards
Balance transfer fee payment due
First statement
Balance transfer from personal loan
Balance transfer processing time
10 - 14 days
Interest free days with unpaid balance
0 days
Maximum balance transfer
95% of credit limit
Available to existing customers

Banks you can't balance transfer from

You can't balance transfer to the Bankwest More Mastercard at the promotional balance transfer rate from:

  • Aussie
  • Bankwest
  • Commonwealth Bank

Rates & fees

Promotional interest rates

Interest ratePeriodFeeLimitRevert rate
Balance transfers0% p.a.6 months1%95% of credit limit 19.99% p.a.
PurchasesN/AN/AN/AN/A N/A

Ongoing interest rates

Cash advances 1.83% 21.99% p.a.
Purchases 1.67% 19.99% p.a.


Annual fee
$100 p.a.
Cash advance fee
Dishonour fee
Duplicate statement fee
Foreign exchange fee
Late payment fee
Over limit fee
Overseas ATM balance fee
Overseas ATM withdrawal fee
Overseas emergency card replacement fee
Transaction verification fee

Rewards & points

Rewards program basics

First purchase bonus
19,500 points
Reward points expiry
Rewards program
More Rewards
Spend required for bonus points
$24,000 in 1 year

Earning points with this card

Frequent flyer points
Overseas earn rate
Same as standard earn rate
Points cap per month
Points cap per year
Points earned on ATO payments
Reward points
1.5 pts per $1 spent

Additional benefits

Airport lounge access
Complimentary flight voucher
Concierge service

Minimum criteria for this card

What you need before applying

Be over 18 years old
You are a resident or citizen of Australia
Earn a regular income of more than $19,000 per year
You have your personal details ready to complete the online application
Have not applied for multiple credit cards recently
Joint applications are not allowed
Temporary residents are eligible
Age Pension is acceptable.
Disability Pension, Overseas Pension, Veteran's Pension and Widower's Pension are not acceptable.
Income from pensions is not allowed
Disclaimer: The minimum criteria pointers are intended only to be a guide. Your application may still be rejected by the bank even if you can answer 'Yes' to all the minimum criteria. The final decision regarding your application is up to the bank.

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