More Platinum Mastercard card image

Bankwest More Platinum Mastercard

Advertiser disclosure
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
$160
Interest free days on purchases
44

Mozo editorial review Bankwest More Platinum Mastercard - last updated: 7 July 2023

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What's hot
  • 0% p.a balance transfer rate for 6 months (1% BT fee applies)
  • Complimentary overseas travel insurance
  • Pay off purchases in installments
What's not
  • High 21.99% p.a. cash advance rate
Mozo snapshot

Bankwest's More Platinum Mastercard offers a luxury rewards program without the hefty price-tag. The relatively competitive $160 annual fee puts this card well within the realm of the affordable. 

This card is a winner of an award in the 2022 Mozo Experts Choice Travel Money Award in the Platinum Travel Credit Card category. 

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Key features

The Bankwest More Platinum Mastercard makes luxury affordable. Customers can gain access to a stellar rewards program without being weighed down by hefty annual fees and purchase rates. 

Every dollar spent is worth 2 rewards points, which can be redeemed for over 3,000 different products. Smart watches and new phones, cashback, flights and hot air balloon rides are all up for grabs - this rewards program truly does offer "more". But be sure to keep an eye on your points balance and your calendar, as points are capped at 400,000 points p.a. and expire after 36 months.

The More Platinum also comes with complimentary overseas travel insurance to cover the basics, interstate flight inconvenience insurance and purchase protection - what a package!

For those customers with existing credit card balances, the More Platinum Mastercard offers a 0% balance transfer rate for 6 months (+1% BT fee). After the 6 months is up, any remaining balance will roll over to the purchase rate, not the cash advance rate, which is great news for any wallet.

Bankwest is also allowing customers to pay off purchases with their easy instalment purchase plan.

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Who is it good for

The Bankwest More Platinum Mastercard is ideal for anyone who is after a unique and extensive rewards program, travel perks and fair rates without hefty fees. 

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Any catches

Late payments will cop a $25 late fee - watch out! Make sure to set up "Easy Alerts" in your Bankwest App to remind you.

Rewards program details

Rates and fees information correct as at 18 July 2024. 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

697,500 points

Fly Sydney to Melbourne one-way

58,500 points

$100 Giftcard

45,000 points

$100 Cash

45,000 points

Points earning

2 points per dollar on Mastercard, up to 400000 points per year

Rewards scheme

Redeem your points for cashback, gift cards, retail rewards and shopping gift cards.

Rewards are redeemed via Flight Centre vouchers.

Bonus points available from selected partner merchants.

Value of rewards points

Spend $22,500 (Mastercard)

Spend $22,500 (Mastercard)

Spend $29,250 (Mastercard)

Spend $348,750 (Mastercard)

at 400,000 points yearly

36 months

How do we calculate these points?

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

$160.00

none

none

none

$25.00

3%, Min $4

0%

$1.25

$0.00

$0.00

Features

$20.00

2.0

3

none

Payment options

Apple Pay, Google Wallet

Rewards privileges

Extended Warranty,
Purchase Protection,
Overseas Travel Insurance

Other benefits

Set up Easy Instalments purchase plans to spread the cost of up to 5 eligible purchases over 4 monthly instalments at 0% p.a.

Customer Reviews

How are Bankwest credit cards rated by the Mozo community?

Overall
7.7/10
Price
6.9/10
Features
6.2/10
Customer service
7.4/10
Convenience
7.5/10
Trust
7.5/10
Based on 1084 Bankwest credit card reviews as rated by the Mozo customers. More about the Mozo Customer Ratings.
Mozo recommends that ratings are only one factor to be taken into account when deciding whether to take up any financial product offer.

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