Bankwest More Mastercard
19.99% p.a.
0% p.a. for 6 months and then 19.99% p.a. (1.00% balance transfer fee)
$100
Bankwest More Rewards
Bankwest More Mastercard
19.99% p.a.
0% p.a. for 6 months and then 19.99% p.a. (1.00% balance transfer fee)
$100
Bankwest More Rewards
19.99% p.a.
0% p.a. for 6 months and then 19.99% p.a. (1.00% balance transfer fee)
$100
Bankwest More Rewards
Mozo Review Bankwest More Mastercard Review
Last updated: 4 July 2019.
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.
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.
Who it's good for:
The Bankwest More Mastercard would suit someone who is looking for a rewards card that won't break the bank.
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 18 September 2019. 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
551,250 points
Fly Sydney to Melbourne one-way
61,920 points
$100 Giftcard
36,000 points
$100 Cash
38,000 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 $25,333 (Mastercard)
Spend $24,000 (Mastercard)
Spend $35,040 (Mastercard)
Spend $367,500 (Mastercard)
at 150,000 points yearly
36 months
How do we calculate these points?
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.
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%
-
$7.50
-
$12.00
-
$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?
Latest reviews of Bankwest More Mastercard
- Overall9/10
Bankwest
They are one of the best bank providers because of their efficiency, professionalism,...
Read full review
They are one of the best bank providers because of their efficiency, professionalism, intelligence and their will to help customers
Price8/10Features7/10Customer service10/10Convenience9/10Trust10/10Less
Alisha | Western Australia
reviewed over 1 year ago
- Overall10/10
Excellent provider
A1
Read full review
A1
Price5/10Features-Customer service-Convenience-Trust-Less
Hokowai | Western Australia
reviewed about 2 years ago
- Overall6/10
Average
They are not overly helpful
Read full review
They are not overly helpful
Price5/10Features4/10Customer service3/10Convenience9/10Trust5/10Less
Chris | Western Australia
reviewed over 3 years ago
- Overall10/10
Just as good as any of the others say they are!!!!
It is convenient & easy to access. We have had no problems with this bank.
Read full review
It is convenient & easy to access. We have had no problems with this bank.
Price5/10Features5/10Customer service9/10Convenience10/10Trust8/10Less
Christine | Western Australia
reviewed about 4 years ago
- Overall10/10
Excellent
Excellent bank.
Read full review
Excellent bank.
Price10/10Features10/10Customer service10/10Convenience10/10Trust10/10Less
Roger | Western Australia
reviewed about 4 years ago
About Bankwest
Bankwest is the bank best known for Making Banking Easier, an initiative which aims to make banking a more positive experience. 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, who have promised to retain the Bankwest brand. So if you like the sound of Making Banking Easier, check out Bankwest's range of personal banking products including savings accounts, bank accounts, credit cards, home loans and more.
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$299 $199 in the first year
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19.99% p.a.
$395 $295 in the first year
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1 point per dollar on Mastercard, up to $10,000 per month, then
0.5 points per dollar on Mastercard, uncapped
19.99% p.a.
$299 $199 in the first year
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1 point per dollar on Mastercard, up to 100000 points per year
19.99% p.a.
$149 $0 in the first year
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1.25 points per dollar on Amex, uncapped
20.74% p.a.
$450
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0.66 points per dollar on Visa, up to $1,500 per month, then
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20.74% p.a.
$129 $64 in the first year
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0.75 points per dollar on Mastercard, up to $3,000 per month, then
0.4 points per dollar on Mastercard, uncapped
19.99% p.a.
$49 $29 in the first year
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Frequent Flyer Black
1 point per dollar on Visa, up to $7,500 per month, then
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20.24% p.a.
$425
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Qantas Rewards Signature Card
1 point per dollar on Visa, up to $5,000 per month, then
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19.99% p.a.
$395 $295 in the first year
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19.99% p.a.
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0% p.a. for 18 months and then 21.99% p.a.
$299 $199 in the first year
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0% p.a. for 18 months and then 20.24% p.a. (2.00% balance transfer fee)
$87 $0 when you spend over $20,000 p.a, $0 in the first year
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$49 $29 in the first year
19.99% p.a.
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$129 $64 in the first year
0% p.a. for 14 months then 20.74% p.a.
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$129 Refunded when you spend over $6,000 p.a
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NAB
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0% p.a. for 6 months and then 21.74% p.a. (2.00% balance transfer fee)
$395 $295 in the first year
19.99% p.a.
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0% p.a. for 12 months and then 20.74% p.a. (1.00% balance transfer fee)
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0% p.a. for 13 months and then 21.74% p.a.
$149 $0 in the first year
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0% p.a. for 6 months then 13.99% p.a.
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0% p.a. for 22 months and then 21.99% p.a.
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0% p.a. for 6 months then 13.99% p.a.
0% p.a. for 6 months and then 21.74% p.a. (2.00% balance transfer fee)
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0% p.a. for 12 months then 19.99% p.a.
0% p.a. for 12 months and then 21.99% p.a.
$129 Refunded when you spend over $6,000 p.a
