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Bankwest More Mastercard

Purchase rate
19.99% p.a.
Balance transfer rate
0% p.a. for 6 months and then 19.99% p.a. (1.00% balance transfer fee)
Annual fees
$100
Interest free days on purchases
44
Go to site

Mozo editorial review Bankwest More Mastercard

Last updated: 4 July 2019.

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What's hot
  • Low $100 annual fee
  • 19,500 annual bonus points each year ($24,000 minimum spend applies)
  • 0% p.a balance transfer rate for 6 months (1% BT fee applies)
What's not
  • High 21.99% cash advance rate
Mozo snapshot

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.

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Key features

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. 

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Who is it good for

The Bankwest More Mastercard would suit someone who is looking for a rewards card that won't break the bank. 

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Any catches

Avoid late repayments - they will incur a $25 late fee. To help you, remember to set up Bankwest "Easy Alerts" in your app.

Rewards program details

Rates and fees information correct as at 1 October 2020. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
What your points get you

Fly Sydney to London return

520,838 points

Fly Sydney to Melbourne one-way

66,251 points

$100 Giftcard

40,000 points

$100 Cash

40,000 points

Points earning

1.5 points per dollar on Mastercard, up to 150000 points per year

Rewards scheme

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.

Special offers

Earn 19,500 annual bonus points when you spend a minimum of $24,000 on eligible purchases in that year.

Value of rewards points

Spend $26,667 (Mastercard)

Spend $26,667 (Mastercard)

Spend $44,167 (Mastercard)

Spend $347,225 (Mastercard)

at 150,000 points yearly

36 months

How do we calculate the rewards?

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.

Close

Rate and fee details

Rates
  • 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

Fees
  • $100.00

  • none

  • none

  • none

  • $25.00

  • 2%, Min $4.00

  • 2.95%

  • $2.50

  • $0.00

  • $0.00

Features
  • $20.00

  • 2.0

  • 3

  • none

Payment options

Apple Pay, Google Pay, Payment Ring

Customer Reviews

How are Bankwest credit cards rated by the Mozo community?

Overall
7.3/10
Price
6.9/10
Features
6.2/10
Customer service
7.4/10
Convenience
7.5/10
Trust
7.5/10

Latest reviews of Bankwest More Mastercard

  • Overall 10/10
    Friendly staff great products.

    Staff on the phone and also in-branch have wonderful customer service. They are polite, always knowledgeable and helpful.

    Read full review

    Staff on the phone and also in-branch have wonderful customer service. They are polite, always knowledgeable and helpful.

    Price
    4/10
    Features
    4/10
    Customer service
    10/10
    Convenience
    10/10
    Trust
    10/10
    Less
    Kirsty, Queensland reviewed 10 months ago
  • Overall 7/10
    Bankwest.

    Interest rates are high.

    Read full review

    Interest rates are high.

    Price
    3/10
    Features
    6/10
    Customer service
    7/10
    Convenience
    7/10
    Trust
    7/10
    Less
    Jules, Western Australia reviewed 11 months ago
  • Overall 7/10
    Basic helpful company not too over the top.

    Not a bad credit card provider just don’t contact them much. Have had very few problems with them.

    Read full review

    Not a bad credit card provider just don’t contact them much. Have had very few problems with them.

    Price
    6/10
    Features
    6/10
    Customer service
    8/10
    Convenience
    6/10
    Trust
    6/10
    Less
    Bianca, New South Wales reviewed 11 months ago
  • Overall 9/10
    Bankwest

    They are one of the best bank providers because of their efficiency, professionalism, intelligence and their will to help customers

    Read full review

    They are one of the best bank providers because of their efficiency, professionalism, intelligence and their will to help customers

    Price
    8/10
    Features
    7/10
    Customer service
    10/10
    Convenience
    9/10
    Trust
    10/10
    Less
    Alisha, Western Australia reviewed over 2 years ago
  • Overall 10/10
    Excellent provider

    A1

    Price
    5/10
    Features
    -
    Customer service
    -
    Convenience
    -
    Trust
    -
    Less
    Hokowai, Western Australia reviewed about 3 years ago
Bankwest

About Bankwest

Bankwest is all about making your finances simple. Originally from Western Australia, Bankwest has attracted thousands of customers around the country with its competitively priced products such as the Hero Saver. In late 2008 the bank was bought by the Commonwealth Bank, which has promised to retain the Bankwest brand. So if you like the sound of simple banking, check out Bankwest's range of personal banking products including savings accounts, bank accounts, credit cards, home loans and more.

See Bankwest credit cards

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0% p.a. for 15 months then 10.99% p.a.

2.99% p.a. for 9 months and then 10.99% p.a. (0% balance transfer fee)

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19.99% p.a.

0% p.a. for 6 months and then 19.99% p.a. (1.00% balance transfer fee)

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13.74% p.a.

0% p.a. for 20 months and then 21.49% p.a. (1.00% balance transfer fee)

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17.99% p.a.

2.99% p.a. for 9 months and then 17.99% p.a.

$0

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20.74% p.a.

No current offer

$0

Qantas Frequent Flyer

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2.99% p.a. for 9 months and then 10.99% p.a. (0% balance transfer fee)

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12.99% p.a.

0% p.a. for 20 months and then 21.74% p.a. (2.00% balance transfer fee)

$59

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Low Rate

12.49% p.a.

0% p.a. for 22 months and then 20.24% p.a. (1.50% balance transfer fee)

$58 $0 in the first 0 years

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21.49% p.a.

0% p.a. for 30 months and then 22.24% p.a. (1.50% balance transfer fee)

$199 $0 in the first year

Citi Rewards Program

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0% p.a. for 15 months then 10.99% p.a.

2.99% p.a. for 9 months and then 10.99% p.a. (0% balance transfer fee)

$69

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Qantas Discovery Card

Qantas Frequent Flyer

$0

No current offer

0.75 points uncapped

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NAB Rewards

$195

60,000

1 point uncapped

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Qantas Frequent Flyer

$200 $99 in the first year

60,000

0.5 points uncapped

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Qantas Frequent Flyer

$250

30,000

0.66 points up to $3,000/month, then
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Altitude Black

Altitude Rewards

$250

150,000

1.25 points uncapped

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Qantas Ultimate Card

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$450

55,000

1.25 points uncapped

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Bankwest More Rewards

$160

75,000

2 points up to 400,000 points/year

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$99

15,000

1 point uncapped

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2.99% p.a. for 9 months and then 17.99% p.a.

17.99% p.a.

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Low Rate

0% p.a. for 20 months and then 21.49% p.a. (1.00% balance transfer fee)

13.74% p.a.

$59

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0.90% p.a. for 15 months and then 22.24% p.a.

0.90% p.a. for 15 months then 14.99% p.a.

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Low Rate Card

0% p.a. for 20 months and then 21.74% p.a. (2.00% balance transfer fee)

12.99% p.a.

$59

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Westpac

Low Rate

13.74% p.a.

0% p.a. for 20 months and then 21.49% p.a. (1.00% balance transfer fee)

$59

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Clear Credit Card

0.90% p.a. for 15 months then 14.99% p.a.

0.90% p.a. for 15 months and then 22.24% p.a.

$99

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0% p.a.

No current offer

$120 $10/month - waived if no spend & no balance owing

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0% p.a. for 15 months then 10.99% p.a.

2.99% p.a. for 9 months and then 10.99% p.a. (0% balance transfer fee)

$49

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0% p.a.

No current offer

$240 $20/month - waived if no spend & no balance owing

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Low Rate

12.49% p.a.

0% p.a. for 22 months and then 20.24% p.a. (1.50% balance transfer fee)

$58 $0 in the first 0 years

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Westpac

Low Rate

13.74% p.a.

0% p.a. for 20 months and then 21.49% p.a. (1.00% balance transfer fee)

$59

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Zero Platinum Mastercard

17.99% p.a.

2.99% p.a. for 9 months and then 17.99% p.a.

$0

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Breeze Mastercard

0% p.a. for 15 months then 10.99% p.a.

2.99% p.a. for 9 months and then 10.99% p.a. (0% balance transfer fee)

$49

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NAB

NAB

Low Rate Card

12.99% p.a.

0% p.a. for 20 months and then 21.74% p.a. (2.00% balance transfer fee)

$59

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ANZ

ANZ

Low Rate

12.49% p.a.

0% p.a. for 22 months and then 20.24% p.a. (1.50% balance transfer fee)

$58 $0 in the first 0 years

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Breeze Platinum Mastercard

0% p.a. for 15 months then 10.99% p.a.

2.99% p.a. for 9 months and then 10.99% p.a. (0% balance transfer fee)

$69

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Clear Credit Card

0.90% p.a. for 15 months then 14.99% p.a.

0.90% p.a. for 15 months and then 22.24% p.a.

$99

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NAB

NAB

StraightUp Card

0% p.a.

No current offer

$120 $10/month - waived if no spend & no balance owing