More World Mastercard card image

Bankwest More World 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
$270
Interest free days on purchases
44

Mozo editorial review Bankwest More World Mastercard - last updated: 16 October 2023

binocular icon
What's hot
  • 10 complimentary airport lounge visits each year at participating lounges through LoungeKey
  • 2.5 rewards points per $1 spent
What's not
  • $270 annual fee
Mozo snapshot

With 2.5 points for every $1 you spend, no cap on how many points you earn, the More World Mastercard from 2019 Travel Credit Card Provider of the Year Bankwest is a handy piece of plastic to have in your pocket if you’re serious about rewards. 

But on the flip side, the $270 annual fee is nothing to sneeze at, so make sure your budget is in order before picking up this premium card.

This card is a winner of an award in the 2023 Mozo Experts Choice Travel Money Award in the Rewards Travel Credit Card category. 

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Key features

The More World Mastercard is a rewards lover’s new best friend. You’ll bag 2.5 rewards points per $1 spent on this plastic, with no limit on how many points you can earn. 

There are also a heap of premium perks to enjoy, including extended warranty, purchase protection and a guaranteed pricing scheme. Travellers aren’t forgotten either - the card comes with no foreign transaction fees on online or overseas purchases, complimentary travel insurance, interstate flight inconvenience insurance and ten airport lounge visits each year via LoungeKey.

All these goodies do come at a price - in this case, it’s a $270 annual fee and a 19.99% interest rate. But as long as you take full advantage of the features on offer, the rewards value should more than make up for the annual fee, and interest can be avoided by paying your balance in full and on time each month.

Other fees to consider include a $10 late fee and a cash advance rate of 21.99%.

If you’re looking at a balance transfer, the More World Mastercard offers a 6 month period at 0% interest p.a. (+1% BT fee), but after that any balance still owing will be charged interest at the regular rate.

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

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Who is it good for

While you may pay a $270 annual fee, the generous points earning power and freebies mean the Bankwest More World Mastercard is perfect for rewards point lovers.

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Any catches

Although the rewards points on offer are not too shabby at all, one thing to keep in mind is that points expire 36 months after you earn them.

Rewards program details

Rates and fees information correct as at 25 May 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

675,000 points

Fly Sydney to Melbourne one-way

58,050 points

$100 Giftcard

45,000 points

$100 Cash

45,000 points

Points earning

2.5 points per dollar on Mastercard, uncapped

Rewards scheme

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

Rewards are redeemed via Flight Centre vouchers.

Ten LoungeKey lounge visits per year. Bonus points available from selected partner merchants.

See Bankwest site for full Terms and Conditions.

Value of rewards points

Spend $18,000 (Mastercard)

Spend $18,000 (Mastercard)

Spend $23,220 (Mastercard)

Spend $270,000 (Mastercard)

Uncapped

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

$270.00

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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