Bankwest More Mastercard

On Bankwest's website

Bankwest More Mastercard

2.7

Balance transfer

6 months at 0% p.a.

Purchase rate

19.99% p.a. ongoing

Interest-free days

Up to 44 days on purchases

Annual fee

$100.00 p.a. ongoing

Highlights

  • Earn up to 1.5 points per $1 spent on eligible purchases.
  • 0% p.a. on balance transfers for 6 months, with a 1% transfer fee. After that, it reverts to 19.99% p.a.
  • Add up to 3 additional cards at no extra cost.

Pros and cons

Pros

  • You can earn up to 150,000 More Rewards points per year on this card.
  • An affordable $100 p.a. annual fee.
  • Redeem points for Webjet flights, hotels, and more.
  • Get up to 44 interest-free days on purchases.
  • As low as a $1,000 credit limit.
  • Easy Instalment Plans let you spread up to 5 purchases over four monthly payments at 0% p.a.
  • Compatible with Apple Pay, Google Pay and Samsung Pay.

Cons

  • A 1% BT fee applies.
  • There is a 2.95% foreign transaction fee.
  • The cash advance rate of 21.99% p.a. is relatively high.
  • No complimentary insurance included, which is common to the same type of credit cards.

About this credit card

Basics

Card usage

Apple Pay Enabled
Yes
Card Type
Mastercard
Gambling Transactions Allowed
Yes
Samsung Pay Enabled
Yes

Eligibility

Joint Application Accepted
No
Minimum Age
18 years
Minimum Credit Rating
Below Average, Fair, Good, Very Good, Excellent
Minimum Income
N/A
Temporary Residents Accepted
No

Additional cardholders

Additional Cardholders
3
Additional Card Fee Ongoing
$0.00

Credit limits

Minimum Credit Limit
$1,000.00
Maximum Credit Limit
N/A

Repayments

Interest Charged From
Purchase date
Interest Free Period
Up to 44 days on purchases
Minimum Repayment Percentage
2%

Balance transfers

Balance transfer offer

Balance Transfer Rate
0%
Balance Transfer Period
6 months
Balance Transfer Fee Percentage
1%

Balance transfer conditions

Balance Transfer From Personal Loan
No
Balance Transfer Limit Percentage
95%
Balance Transfer Revert Rate
19.99%

Rates, fees, charges

Cash advances

Cash Advance Rate
21.99% p.a.
Cash Advance Fee
$4.00
Cash Advance Fee Percentage
3%
Cash Advance Fee Threshold
N/A

Purchases

Purchase Rate Introductory Offer
N/A
Purchase Rate Introductory Period
N/A
Purchase Rate Ongoing
19.99% p.a.

Account fees

Annual Fee Initial Year
N/A
Annual Fee Ongoing
$100.00
Dishonour Fee
$0.00
Duplicate Statement Fee
$1.25
Foreign Exchange Fee Percentage
2.95%
Late Payment Fee
$25.00

Rewards

Rewards program basics

Rewards Program
More Rewards
Rewards Program Annual Fee Initial Year
N/A
Rewards Points Expiry
N/A

Rewards points per $1 spent

Domestic Rewards Points Earn Rate
1.50
Government Rewards Points Earn Rate
N/A
Overseas Rewards Points Earn Rate
1.50

Additional perks

Insurance

Cardholder's Domestic Hotel Burglary Insurance
No
Cardholder's Extended Warranty Insurance
No
Cardholder's International Travel Insurance
No
Cardholder's Interstate Flight Inconvenience
No
Cardholder's Personal Item Theft Cover
No
Cardholder's Price Protection Insurance
No
Cardholder's Purchase Protection Insurance
No
Cardholder's Refund Protection
No
Cardholder's Transport Accident Insurance
No

Travel and lifestyle

Airport Lounge Access Included
No
Concierge Service Included
No
Complimentary Flight Voucher Included
No
Complimentary QFF Membership Included
N/A

History

    User reviews

    Convenience

    Customer service

    Rates and fees

    Rewards

    Trust

    I would not recommend this bank

    Reviewed by Joy

    Reasonably good deal

    Reviewed by Helen

    Fees and charges are exorbitant

    Reviewed by Dotty

    My BankWest More Mastercard is terrific!

    Reviewed by Paul Breen

    Spend a lot for average rewards

    Reviewed by Ricky

    It's not bad, yet not the best

    Reviewed by Paul

    Hassle-free, safer than cash

    Reviewed by Cherril

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    This credit card is listed in these comparisons

    As seen on

    Media - The Sydney Morning Herald
    Media - Yahoo Finance
    Media - News.com.au
    Media - Daily Mail Australia
    Media - Australian Fintech
    Media - Dynamic Business