Bankwest More World Mastercard

My rate: 
17%
 
My annual fee: 
$90
 
Transfer: 
$5,000
 
From: 
All banks
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Offer
Card features
balance transfer
purchase rate
annual fee
Money saved
115,000 points when you spend $84,000 in 1 year. Conditions Apply.
Earn up to 2.5 pts per $1 spent on eligible purchases.
0% p.a. on balance transfers for 6 months.
Add to comparison
6 months
0% p.a.
then 19.99%
with a 1% fee
19.99% p.a.
ongoing
$270
ongoing
 
saved over 6 months Plus these benefits
Similar cards

Pros & cons

What's good?

What's not so good?

115,000 points when you spend $84,000 in 1 year. Conditions Apply.
Earn up to 2.5 pts per $1 spent on eligible purchases.
0% p.a. on balance transfers for 6 months.
Up to 12 months complimentary credit card travel insurance, conditions apply.
Use your points for webjet flights, hotels, gift cards and the latest merchandise.
International travel insurance for the family when you purchase return tickets.
Worldwide emergency card replacement.
Up to 3 additional cardholders for free.
1% balance transfer fee.
The $270 p.a. annual fee.

User reviews

4.0 out of 5.0 based on 4 reviews100% of reviewers would recommend this card

Rates and fees
Rewards
Customer service
Convenience
Trust

Reviews from users

Bankwest are great

Reviewed and recommended by Ariane on 02 Jul 2016

This credit card is fabulous and I never have had any problems wit it. The fee is reasonable and it is accepted everywhere I go. The rewards program is good and they have plenty of rewards from gift cards to appliances. Rewards are delivered promptly too with no delivery fees, which is great. Points are accumulated on your monthly spend.

Great gold card

Reviewed and recommended by Doug on 02 Jul 2016

I have had the Bankwest More Gold MasterCard for about 5 years now. Not only do I enjoy great rewards, but the card is accepted everywhere. If anything happens the bank ring you to check, like, for example, if something was purchased overseas or for a large amount. A great card with great service.

Best of the many I've tried

Reviewed and recommended by Glad to show my hand on 03 Oct 2013

I like the points system that encourages you to utilize the card for everything. Since having the card we’ve benefited greatly from the points accumulation and redeemed them for all sorts of things (petrol, gifts, vouchers and utensils). The only downside is that the petrol vouchers suck more and more points each year – but we offset that by using our cards for everything under the sun.

Best credit card ever

Reviewed and recommended by Cheryl E on 21 Sep 2013

I love this credit card because there is no annual fee and about 60 days interest free. BankWest always has the best products and their customer service is excellent. Have had other cards, but this is the best one for people who want to save money. Top class credit card.

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
Single
Card tier
Gold
Card type
MasterCard
Card use
Personal
Credit rating
N/A
Gambling transactions allowed
No
Joint application
No
Minimum age
18 years old
Minimum income
N/A
Minimum income for pensioners
$Same as standard
Pensioners
Rewards program
More Rewards
Temporary residents
Yes

Cardholders

Additional cardholders
3
Additional card fee
$0 p.a.

Credit limits

Minimum credit limit
$12,000
Maximum credit limit
$25,000

Repayments

Interest charged from
Purchase date
Interest free period
Up to 44 days on purchases
Minimum repayment
2%

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
No
Balance transfer fee payment due
First statement
Balance transfer from personal loan
No
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
No

Banks you can't balance transfer from

You can't balance transfer to the Bankwest More World 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

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

Fees

Annual fee
$270 p.a.
Cash advance fee
2%
Dishonour fee
$10
Duplicate statement fee
$1.25
Foreign exchange fee
0%
Late payment fee
$25
Over limit fee
$30
Overseas ATM balance fee
$0
Overseas ATM withdrawal fee
$4
Overseas emergency card replacement fee
$0
Transaction verification fee
$12

Rewards & points

Rewards program basics

First purchase bonus
115,000 points
Reward points expiry
N/A
Rewards program
More Rewards
Spend required for bonus points
$84,000 in 1 year

Earning points with this card

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

Additional benefits

Airport lounge access
Yes
Complimentary flight voucher
No
Concierge service
Yes

Benefits

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.
$50
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.
$10
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.
$40
Travel
Interstate flight inconvenience insurance
Valuation based on similar domestic travel insurance policies available online that include interstate flight inconvenience.
$290
Overseas travel insurance
Valuation based on similar annual travel insurance policies available online for trips of up to 60 days.
$801
Transit accident insurance
Valuation based on similar global transit accident insurance policies available online.
$150
Total estimated value$1,341
Annual fee$270
Net customer value$1,071
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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