The Bankwest More Mastercard low annual fee, convenient balance transfer term and fantastic and unique rewards program combine to create a card that would put a smile on anyone's face. You can bag 19,500 annual bonus points every year, as long as you spend $24,000 on eligible purchases each year.
The Bankwest More Mastercard offers a great rewards program without the hefty annual fee or over the top purchase rate. Customers earn 1.5 rewards points for every dollar spent. Cardholders can score 19,500 points every year (but you'll have to spend $24,000 each year). Points are capped at 150,000 points p.a. and expire after 36 months.
Points can be redeemed for over 3,000 different products such as cashback and gift cards through Bankwest's More Rewards program.
If you have existing debt from another card, the Bankwest More Mastercard offers customers a 0% balance transfer rate for 6 months (1% BT fee applies). And there's no need to stress - unlike some other cards, after the six months any remaining balance will roll over to the 19.99% purchase rate, and not the super-high cash advance rate.
The Bankwest More Mastercard would suit someone who is looking for a rewards card that won't break the bank.
Avoid late repayments - they will incur a $25 late fee. To help you, remember to set up Bankwest "Easy Alerts" in your app.
Fly Sydney to London return
640,000 points
Fly Sydney to Melbourne one-way
58,400 points
$100 Giftcard
40,000 points
$100 Cash
40,000 points
1.5 points per dollar on Mastercard, up to 150000 points per year
Redeem your points for cashback, travel, gift cards, retail rewards and shopping gift cards.
Rewards are redeemed via Flight Centre or Virgin Australia vouchers.
Bonus points available from selected partner merchants.
See Bankwest site for full Terms and Conditions.
Earn 19,500 annual bonus points when you spend a minimum of $24,000 on eligible purchases in that year.
Spend $26,667 (Mastercard)
Spend $26,667 (Mastercard)
Spend $38,933 (Mastercard)
Spend $426,667 (Mastercard)
at 150,000 points yearly
36 months
To work out the "Rewards value minus fees" in our Rewards Revealer we:
calculate how many points you'd get each year,
figure out how many flights or gift cards or cashback credits you could get for those points,
work out what that's actually worth to you,
take off the annual fee you'd pay.
More details:
Our calculations are designed to help you compare the value of different rewards schemes. To do this, we've looked at earning a one-way Sydney-Melbourne flight excluding taxes and charges, a return Sydney-London flight excluding taxes and charges, a $100 shopping Gift Card and $100 cashback. Most cards will also offer other rewards, which may be worth more or less than the ones we've shown.
We have made no allowance for bonus points for using your card at specific merchants, introductory offers or special offers. We have not assigned any value to instant discounts, insurances, ticketing and concierge services or other such benefits.
Rewards value calculations do not take credit card interest into account. If you do not pay off your card each month you may be better off looking for a card based on interest rates than on the value of rewards.
In products that have more than one card, a different mix of spend between American Express / Visa / Mastercard will give different results. Mozo's Rewards Revealer lets you choose the mix based on the way you would use such a product, and gives you tailored results.
We assume flights purchased with airline points are 'classic' or 'reward' economy seats with restricted seat availability. 'Any seat' rewards will probably cost more.
To compare the value of flight rewards, we sample online retail flight prices once a quarter based on the average price on a Wednesday 3 months in advance but outside NSW school holidays. For domestic flights we take the lowest available fare from each flight on that day from Qantas Red e-deal, Virgin Australia Saver including baggage and Jetstar Starter including baggage. We calculate the average price excluding taxes and surcharges for each airline, and also the average across all airlines (which we use when rewards are travel agent vouchers). For international flights, we take the lowest available fares on that same Wednesday from each of Qantas, Emirates, Malaysian, Etihad, Singapore, Cathay Pacific and Thai, assuming a return flight 2 weeks later, calculate the average price before taxes and surcharges and use this as our assumed cost of a flight on any airline.
Shopping rewards are based on $100 gift cards from a major national department store.
We make every effort to ensure our calculations are correct and up to date but make no guarantees.
| 19.99% p.a. | |
| none | |
| 0% p.a. for 6 months and then 19.99% p.a. (1.00% balance transfer fee) | |
| no | |
| 21.99% p.a. | |
| 44 |
| $100.00 | |
| none | |
| none | |
| none | |
| $25.00 | |
| 2%, Min $4.00 | |
| 2.95% | |
| $2.50 | |
| $0.00 | |
| $0.00 |
| $20.00 | |
| 2.0 | |
| 3 | |
| none |
Apple Pay, Google Pay, Payment Ring
Earn reward points when using. Points can be redeemed for a variety of products or gift cards. Interest is fairly high, so really only works of you keep the card paid up fully, so no interest is charged. If using the card as above the reward points are well worth it.
Read full reviewEarn reward points when using. Points can be redeemed for a variety of products or gift cards. Interest is fairly high, so really only works of you keep the card paid up fully, so no interest is charged. If using the card as above the reward points are well worth it.
Staff on the phone and also in-branch have wonderful customer service. They are polite, always knowledgeable and helpful.
Read full reviewStaff on the phone and also in-branch have wonderful customer service. They are polite, always knowledgeable and helpful.
Interest rates are high.
Read full reviewInterest rates are high.
Not a bad credit card provider just don’t contact them much. Have had very few problems with them.
Read full reviewNot a bad credit card provider just don’t contact them much. Have had very few problems with them.
They are one of the best bank providers because of their efficiency, professionalism, intelligence and their will to help customers
Read full reviewThey are one of the best bank providers because of their efficiency, professionalism, intelligence and their will to help customers
Bendigo Bank
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0% p.a. for 12 months then 11.99% p.a.
0% p.a. for 12 months and then 11.99% p.a. (2.00% balance transfer fee)
$45
Great Southern Bank
Low Rate Credit Card
11.99% p.a.
0% p.a. for 25 months and then 21.74% p.a.
$49 $0 in the first year
humm90
Mastercard
23.99% p.a.
0% p.a. for 36 months and then 25.99% p.a. (0% balance transfer fee)
$99
PayPal
Rewards Card
20.99% p.a.
0% p.a. for 20 months and then 20.99% p.a.
$0
PayPal Rewards
Great Southern Bank
Platinum Credit Card
19.99% p.a.
0% p.a. for 25 months and then 21.74% p.a.
$149 $0 in the first year
Great Southen Bank Platinum Rewards
St.George
Vertigo
13.99% p.a.
2.99% p.a. for 15 months and then 21.49% p.a.
$55 $0 in the first year
NAB
Low Rate Card
12.99% p.a.
0% p.a. for 32 months and then 21.74% p.a. (0% balance transfer fee)
$59 $0 in the first year
Kogan Money
Black Card
Kogan Rewards Points
$0
No current offer
1 point uncapped
NAB
Qantas Rewards Signature Card
Qantas Frequent Flyer
$395 $295 in the first year
110,000
1 point up to $5,000/month, then
0.5 points up to $20,000/month
American Express
Velocity Platinum Card
Velocity Frequent Flyer
$375
120,000
1.25 points uncapped
Westpac
Altitude Platinum
Qantas Frequent Flyer
$200 $149 in the first year
60,000
0.5 points uncapped
Great Southern Bank
Low Rate Credit Card
0% p.a. for 25 months and then 21.74% p.a.
11.99% p.a.
$49 $0 in the first year
humm90
Mastercard
0% p.a. for 36 months and then 25.99% p.a. (0% balance transfer fee)
23.99% p.a.
$99
PayPal
Rewards Card
0% p.a. for 20 months and then 20.99% p.a.
20.99% p.a.
$0
PayPal Rewards
Bendigo Bank
Low Rate Credit Card
0% p.a. for 12 months and then 11.99% p.a. (2.00% balance transfer fee)
0% p.a. for 12 months then 11.99% p.a.
$45
Westpac
Low Rate
0% p.a. for 28 months and then 21.49% p.a. (1.00% balance transfer fee)
13.74% p.a.
$59 $0 in the first year
Great Southern Bank
Platinum Credit Card
0% p.a. for 25 months and then 21.74% p.a.
19.99% p.a.
$149 $0 in the first year
Great Southen Bank Platinum Rewards
NAB
Low Rate Card
0% p.a. for 32 months and then 21.74% p.a. (0% balance transfer fee)
12.99% p.a.
$59 $0 in the first year
HSBC
Platinum Credit Card
0% p.a. for 36 months and then 21.99% p.a.
19.99% p.a.
$129 $29 in the first year
Rewards Plus
Bendigo Bank
Low Rate Credit Card
0% p.a. for 12 months then 11.99% p.a.
0% p.a. for 12 months and then 11.99% p.a. (2.00% balance transfer fee)
$45
Great Southern Bank
Low Rate Credit Card
11.99% p.a.
0% p.a. for 25 months and then 21.74% p.a.
$49 $0 in the first year
NAB
StraightUp Card
0% p.a.
No current offer
$120 $10/month - waived if no spend & no balance owing
St.George
No Annual Fee
0% p.a. for 12 months then 20.74% p.a.
2.99% p.a. for 15 months and then 21.49% p.a.
$0
NAB
Low Rate Card
12.99% p.a.
0% p.a. for 32 months and then 21.74% p.a. (0% balance transfer fee)
$59 $0 in the first year
Bendigo Bank
Low Rate Credit Card
0% p.a. for 12 months then 11.99% p.a.
0% p.a. for 12 months and then 11.99% p.a. (2.00% balance transfer fee)
$45
Great Southern Bank
Low Rate Credit Card
11.99% p.a.
0% p.a. for 25 months and then 21.74% p.a.
$49 $0 in the first year
St.George
Vertigo
13.99% p.a.
2.99% p.a. for 15 months and then 21.49% p.a.
$55 $0 in the first year
NAB
Low Rate Card
12.99% p.a.
0% p.a. for 32 months and then 21.74% p.a. (0% balance transfer fee)
$59 $0 in the first year
NAB
StraightUp Card
0% p.a.
No current offer
$120 $10/month - waived if no spend & no balance owing
St.George
No Annual Fee
0% p.a. for 12 months then 20.74% p.a.
2.99% p.a. for 15 months and then 21.49% p.a.
$0
