Bankwest More Platinum Mastercard

What do you want this card for?
Save money
Earn points
Card features
foreign exchange fee
overseas ATM balance fee
overseas ATM withdrawal fee
75,000 points when you spend $48,000 in 1 year.
Earn up to 2 pts per $1 spent on eligible purchases.
Up to 6 months complimentary credit card travel insurance, conditions apply.
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Pros & cons

What's good?

What's not so good?

75,000 points when you spend $48,000 in 1 year.
0% p.a. on balance transfers for 6 months.
Up to 6 months complimentary credit card travel insurance, conditions apply.
Earn up to 2 pts per $1 spent on eligible purchases.
Use your points for webjet flights, hotels, gift cards and the latest merchandise.
International travel insurance for the family when you purchase return tickets.
No foreign transaction fees on online and overseas purchases.
6 months of free insurance against loss, theft or accidental damage on personal goods purchased anywhere in the world.
Worldwide emergency card replacement.
Up to 3 additional cardholders for free.
1% balance transfer fee.
The $160 p.a. annual fee.

User reviews

3.2 out of 5.0 based on 6 reviews83% of reviewers would recommend this card

Rates and fees
Customer service

Reviews from users

Great card if you pay on time mostly

Reviewed and recommended by Sfaws13 on 27 Jul 2013

It is a MasterCard, so moving from an American Express card this was going to be good. The rewards points are decent, customer service is great and the online portal is the friendliest to use (I have used all 4 top banks). The interest free days match industry standard. You get 2 rewards points for every $1 you spend on eligible purchases. •use your points for webjet flights, hotels, gift cards or get a cash back.

Is it really worth it?

Reviewed and recommended by I on 19 Jul 2016

Remember you would have to spend a lot just to recover the annual fee, but if you have to have a credit card with a hefty annual fee then you may as well earn 2 points for every dollar spent. The points also expire now, and it will probably take a year or two to accumulate enough points to get something that is actually rewarding.

No annual fee, free insurance and other benefits

Reviewed and recommended by ocea on 02 Dec 2016

I think this card really good. It’s accepted almost everywhere, there are no yearly fees, and it’s on a par with most other cards as regards cash advance and monthly interest charges.

Because it’s a platinum card, I use it to book flights and receive free travel insurance and other benefits, as I have been a long-term, loyal customer.

Rates too high and no incentive or bonus

Reviewed and not recommended by Linda on 25 Jul 2013

Not happy at all. The interest rate is too high. I get no incentives. I’ve had no other offers given to me. I don’t like my card. I’ve had no special deals from the bank. I have just about paid it off except for $100.

Bankwest appears to be the best

Reviewed and recommended by Kerri on 04 Aug 2013

Customer service is excellent and provide easy to understand advice. Variety of accounts and services to suit all sorts of needs of the consumer. I have not had any issues with the bank or their services. Available in all major cities. Rates seem to be very competitive with other banks and building societies.

Great for extra insurance

Reviewed and recommended by Darren on 08 Sep 2014

Able to use the card anywhere and if you start on the gold and get an upgrade you only pay the gold card fees, win win. Great for insurance when you purchase white goods and for holiday insurance when you pay using the card. All in all a good product with reasonable fees.

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 Platinum 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
$160 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
75,000 points
Reward points expiry
Rewards program
More Rewards
Spend required for bonus points
$48,000 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
2 pts per $1 spent

Additional benefits

Airport lounge access
Complimentary flight voucher
Concierge service


This card comes with benefits worth an estimated $1,341

ShoppingEstimated value
Extended warranty
Valuation based on the assumption of making a $250 claim once every 5 years. There is no retail market for all-encompassing extended warranty insurance covering more than one item, so no premium saving.
Guaranteed pricing / price protection insurance
Valuation based on the assumption of making a $100 claim once every 10 years. Extensive conditions apply. There is no retail market for this type of insurance, so no premium saving.
Purchase protection
Valuation based on the assumption of making a $200 claim once every 5 years. There is no retail market for this type of insurance, so no premium saving.
Interstate flight inconvenience insurance
Valuation based on similar domestic travel insurance policies available online that include interstate flight inconvenience.
Overseas travel insurance
Valuation based on similar annual travel insurance policies available online for trips of up to 60 days.
Transit accident insurance
Valuation based on similar global transit accident insurance policies available online.
Total estimated value$1,341
Annual fee$160
Net customer value$1,181
Disclaimer: Details of who, what, and where coverage applies to, as well as its duration and any coverage limitations will be listed in the credit card insurance product disclosure statement (PDS) on the card issuer's website. The names/labels of complimentary insurance products may differ from one issuer to another. Terms and conditions apply. Always check the insurance PDS when considering a financial product. Accurate as of 31st October 2015.

Minimum criteria for this card

What you need before applying

Be over 18 years old
You are a resident or citizen of Australia
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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