Bankwest More World Mastercard

On Bankwest's website

Bankwest More World Mastercard

Balance transfer

6 months at 0% p.a.

Purchase rate

19.99% p.a. ongoing

Interest-free days

44 days

Annual fee

$270.00 p.a. ongoing

Highlights

  • Earn 2.5 points per $1 on eligible purchases.
  • Get 10 LoungeKey airport lounge passes per year.
  • 0% p.a. on balance transfers for 6 months with a 1% fee, then reverts to 19.99% p.a. after.

Pros and cons

Pros

  • Introductory balance transfer offer available.
  • No cap on rewards earned annually.
  • No foreign transaction fees.

Cons

  • There is a 1% BT fee.
  • The annual fee of $270 p.a.

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
$12,000.00
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
$270.00
Dishonour Fee
$0.00
Duplicate Statement Fee
$1.25
Foreign Exchange Fee Percentage
0%
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
2.50
Government Rewards Points Earn Rate
N/A
Overseas Rewards Points Earn Rate
2.50

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
Yes
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

    Best credit card ever

    Reviewed by Cheryl E

    Best of the many I've tried

    Reviewed by Glad to show my hand

    Bankwest are great

    Reviewed by Ariane

    Great gold card

    Reviewed by Doug

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