- Earn 1.5 reward points for every $1 spent
- Use your points for webjet flights, hotels, gift cards and the latest merchandise
- 0% p.a. on balance transfers for the first 6 months (1% balance transfer fee applies)
- Add up to 3 free additional cardholders
- Up to 44 days interest free on purchases
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Bankwest Credit Cards
Bankwest More Credit Card
Updated 29 January 2024
Earn points on your everyday spending, with 1.5 points per $1 spent. Points can be redeemed on a wide variety of items, from flights and travel to more than 3,000 options on merchandise, shopping vouchers, and cashback. You can earn points even faster with 3 free additional cardholders. T&Cs apply.
Points Earn Rate (per $1 spent)
1.5 points
RewardsRewards Program
More Rewards
Bonus Points
N/A
Pros and cons
- 1% balance transfer fee
Creditcard.com.au review
Editor Review
Bankwest More Credit Card
Pauline Hatch
Pauline is a personal finance expert at CreditCard.com.au, with 9 years in money, budgeting and property reporting under her belt. Ask Pauline a Question about this card.
The Bankwest More Credit Card
With a focus on rewards, this card keeps it fairly simple in terms of extras, offering standard security features and 0% p.a. on balance transfers for six months.
What we love...
With the Bankwest More Credit Card, you can earn points on Bankwest’s own rewards program, More Rewards. Allowing you to earn on everyday spending, the card provides an earn rate of 1.5 More Rewards points per $1 spent on eligible purchases.
While there is a lot to like about Bankwest’s rewards program, there are few things cardholders should know before they apply.
Firstly, the total earn on this card is capped at 150,000 points per year. Secondly, you will only be credited with More Rewards points once you have spent at least $1,500 on eligible purchases, and your account has been opened for at least two months.
So, what does all that mean? To understand the value of the points you earn, you have to know what they can offer you. The More Rewards program is much like many of the other bank’s rewards programs, in that they allow cardholders to redeem points for travel, merchandise and gift cards.
By visiting the More Rewards online store, cardholders can redeem their points for anything from baby stuff and tech, to fitness gear and gourmet treats. Love travel? You can also redeem your points at Webjet.
Point calculations are accurate but may be subject to change without notice. All routes may have additional taxes and charges.
What’s not so great...
As is so often the case with rewards cards, the Bankwest More Credit Card has a fairly high purchase rate. That means, to make the most of the rewards on offer, it’s best to clear the balance each month by the due date. This also allows you to take advantage of up to 44 days interest free on purchases. Not the longest interest free period, but helpful nonetheless.
Why should you choose this card?
If you’re looking for a simple rewards card, the Bankwest More Credit Card could be a good option. With its focus on rewards, it doesn’t overcomplicate things with too many extras, which may work well for some cardholders. Its earn rate is decent, providing rewards for cardholders who are perhaps not the biggest of spenders.
It’s worth noting that the card does offer 0% p.a. on balance transfers for six months with a 1% balance transfer fee. However, rewards and balance transfers don’t sit that well together. If you have a balance transfer, it’s a good idea to concentrate on paying it off, rather than spending to earn rewards, and potentially creating more debt.
Overall Rating
As a basic rewards card, the Bankwest More Credit Card focuses on providing rewards, while keeping it simple elsewhere. The card also offers 0% p.a. on balance transfers for six months.
User reviews
Rates and fees
Interest rates
Purchase rate 19.99% p.a.
Cash advance rate 21.99% p.a.
Interest free period on purchases up to 44 days
Balance transfer
Balance transfer rate 0% p.a. for 6 months
Balance transfer revert rate 19.99% p.a.
Balance transfer from personal loan No
Balance transfer fee 1% one off
Balance transfer limit 95% of approved credit limit
Brands you can't balance transfer from Bankwest
Credit limits
Minimum credit limit $1,000
Maximum credit limit N/A
Fees & repayments
Annual fee $100 p.a.
Additional cardholder fee Up to 3 at no extra cost
Foreign transaction fee 2.95%
Minimum repayment 2% or $20 (whichever is greater; closing balance applies if less than $20)
Cash advance fee 3% or $4 (whichever is greater)
Late payment fee $25
Rewards and points
Rewards program
Rewards Program
More Rewards
Bonus points N/A
Annual points cap 150,000
Bonus points spend criteria N/A
Earning points with this card
Rewards Rewards points 1.5 points per $1 spent
Points cap per month N/A
Overseas earn rate same as standard earn rate
Additional features
Complimentary insurance
International Travel Insurance No
Flight Inconvenience Insurance No
Transit Accident Insurance No
Smartphone Screen Insurance No
Purchase Protection Insurance No
Extended Warranty Insurance No
Rental Vehicle Excess In Australia Insurance No
Overview
Bankwest More Credit Card
The Bankwest More Mastercard is an excellent choice if you want a rewards credit card that gives you more and it’s easy to earn points as well.
Key features
- Earn 1.5 reward points for every $1 spent
- 0% p.a. on balance transfers for the first 6 months (1% balance transfer fee applies)
- Use your points for webjet flights, hotels, gift cards and the latest merchandise
- Add up to 3 free additional cardholders
- Up to 44 days interest free on purchases
- Pay with your compatible device using Apple Pay, Samsung Pay, & Google Pay&trade
Minimum criteria to apply for this card
-
Be over 18 years old
-
Good Credit and have not applied for multiple credit cards recently
-
You must be an Australian permanent resident
You have your personal details ready to complete the online application
Pauline is a personal finance expert at CreditCard.com.au, with 9 years in money, budgeting and property reporting under her belt. Pauline is passionate about seeing Aussies win by making their money – and their credit cards – work smarter, harder and bigger
Recently Asked Questions
Something you need to know about this card? Ask our credit card expert a question.
Ask a question3 questions (showing the latest 10 Q&As)
If I get one now when will it expire
Hi Bryan, expiry dates from the banks will vary and will depend on when they are issued. Typically you should have an expiry date or 2-3 years.
I have a Bankwest More credit mastercard and have paid for an overseas trip using this card. I notice this card has no travel insurance cover. Can I change to a platinum or other card offering this insurance to cover this already paid trip?
Hi Robert, I dont believe you would be able to as you have already paid for the trip. To activate travel insurance you will need to put some prepaid travel expenses on the card. I would speak to Bankwest credit card customer service and see what they can offer.
how do I find my bankwest more card transaction record ?
Hi David - you can access through your online banking login - https://ibs.bankwest.com.au/BWLogin/rib.aspx
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Creditcard.com.au Visitor
28 January 2013You get 0% purchase for 6 months and bonus points - great intro offers for me. There's also a balance transfer offer but I didn't use that. You can earn points easily and get some good rewards back. Annual fee nice and low. This card gives you more. Haha.
Recommends this cardRoss Leicester
28 January 2013I chose the Bankwest More for the signup offers 0% on purchases for 6 months and the 2500 bonus points. I didntneed the balance transfers. So far found that its pretty good for earning points, and from looking at what I can redeem, I'm happy.
Recommends this card