Bankwest More Platinum Mastercard

On Bankwest's website

Bankwest More Platinum Mastercard

2.8

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

$160.00 p.a. ongoing

Highlights

  • Earn 2 points per $1 spent on eligible purchases.
  • No foreign transaction fees on online and overseas transactions.
  • Comes with complimentary international credit card travel insurance.

Pros and cons

Pros

  • You can earn up to 400,000 More Rewards points per year on this card.
  • 0% p.a. on balance transfers for 6 months with a 1% fee, then reverts to 19.99% p.a. after.
  • Add up to 3 additional cardholders at no extra cost.
  • Get up to 3 additional cards at no extra cost.
  • Up to 44 interest-free days on purchases.
  • Credit limit starts at $6,000.
  • 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

  • Unlike the Bankwest More World Mastercard, this card does not include lounge access.
  • For high spenders, the 400,000 annual rewards cap might not be ideal
  • The annual fee of $160 p.a.
  • There is a 1% BT fee.

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
$6,000.00
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
$160.00
Dishonour Fee
$0.00
Duplicate Statement Fee
$1.25
Foreign Exchange Fee Percentage
N/A
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
2.00
Government Rewards Points Earn Rate
N/A
Overseas Rewards Points Earn Rate
2.00

Additional perks

Insurance

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

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

    Rates too high and no incentive or bonus

    Reviewed by Linda

    Great card if you pay on time mostly

    Reviewed by Sfaws13

    Bankwest appears to be the best

    Reviewed by Kerri

    Great for extra insurance

    Reviewed by Darren

    Is it really worth it?

    Reviewed by I

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    As seen on

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