Bankwest More World Mastercard

Purchase Rate

19.99 %
p.a.
Cash Advance Rate
21.99% p.a.
Interest Free
Up to 44 days
Annual Fee
$270.00
Balance Transfer Rate
0% p.a.
for first 6 months
  • More Mastercard customers will earn 115,000 annual bonus points each year, provided they meet the minimum spend requirements of $84,000 on eligible purchases in any year from card account opening.
  • 0% for 6 months on Balance Transfers (1% BT fee)
  • 2.5 More Rewards points for each $1 spent on eligible purchases.
  • Uncapped reward point earning potential
  • Unlimited complimentary airport lounge access at participating lounges with LoungeKey.
  • 24/7 worldwide personal assistance with the Mastercard Concierge Service**
  • No foreign transaction fees on online and overseas purchases^
  • Range of complimentary insurance and purchase protection benefits**
  • Stay in control with alerts and payment reminders set up through your Bankwest mobile app
  • Activate mobile payments with Android Pay
  • Up to 3 additional cardholders at no additional cost

Card Details

Rewards Program Overseas ATM Availability
Insurance Cover for Purchases Automatic Travel Insurance

Rewards Program

  • 115,000 annual bonus points are available to customers who meet the minimum spend requirement of $84,000 on eligible purchases in any year from card account opening.
  • Earn 2.5 points per $1 spent on eligible purchases.
Rewards Points per Dollar 2.5 Linked to Frequent Flyer
Spend to Redeem $100 Gift Card* - Frequent Flyer Ratio
Spend at Loyalty Partner for $100 Gift Card* SPEND FOR SYD/MEL RETURN* -
Lifetime of Points 36 months 
Rewards Program Partners
Rewards Bonus Points Partners
Domestic Airlines
International Airlines
Conditions Annual bonus points Annual bonus points are only available to new customers who apply for a Bankwest More Mastercard on or after 15 May 2017 and meet minimum spend requirements in any Year from Card Account opening. Eligible customers will earn: 19,500 Points if your Card is a Classic Card and you spend a minimum of $24,000 on Eligible Purchases in that Year; 75,000 Points if your Card is a Platinum Card and you spend a minimum of $48,000 on Eligible Purchases in that Year; and 115,000 Points if your Card is a World Card and you spend a minimum of $84,000 on Eligible Purchases in that Year. See Bankwest More Rewards Terms and Conditions (PDF) for more information. Introductory bonus points The More Rewards introductory bonus points promotion is available for a limited time and only to new Bankwest More Mastercard customers who apply from 15 May 2017 until the promotion ends, are approved and meet minimum spend requirements in the first 3 months from account opening. The number of bonus points are: 19,500 Points if your Card is a Classic Card and you spend a minimum of $2,000 on Eligible Purchases; 75,000 Points if your Card is a Platinum Card and you spend a minimum of $4,000 on Eligible Purchases; and 115,000 Points if your Card is a World Card and you spend a minimum of $7,000 on Eligible Purchases. Bonus Points are subject to change. Bonus Points will contribute to any annual points cap. Bonus Points will be transferred to your account within four months of account opening. You are not eligible for this promotion if you upgrade or vary your existing Bankwest credit card to a Bankwest More Mastercard.
Terms & Conditions
1. More Rewards Points: More Rewards Points are earned in accordance with and subject to the Bankwest More Rewards Terms and Conditions (PDF). Exclusions, limitations and points caps apply. More Rewards Points are earned on eligible purchases only. Points earned and redemption values subject to change. The total More Rewards Points (including any bonus points) that can be earned in each year are: 150,000 Points if your Card is a Classic Card, and 400,000 Points if your Card is a Platinum Card. More Rewards Points (outside any bonus points) will only be credited to your account once you have spent at least $1,500 on eligible purchases and your account has been opened for at least 2 months. Annual bonus points: Annual bonus points are only available to new customers who apply for a Bankwest More Mastercard on or after 15 May 2017 and meet minimum spend requirements in any Year from Card Account opening. Eligible customers will earn: 19,500 Points if your Card is a Classic Card and you spend a minimum of $24,000 on Eligible Purchases in that Year; 75,000 Points if your Card is a Platinum Card and you spend a minimum of $48,000 on Eligible Purchases in that Year; and 115,000 Points if your Card is a World Card and you spend a minimum of $84,000 on Eligible Purchases in that Year. See Bankwest More Rewards Terms and Conditions (PDF) for more information. 2. You qualify for interest free days on purchases if you pay the closing balance owing (excluding any balance transfer amount) on your current statement in full by the due date. Section 24 of our Credit Cards Conditions of Use (PDF) further outlines how this interest-free period is calculated. 3. Foreign transactions are transactions occurring outside of Australia whether in foreign currency or Australian dollars including if you are in Australia (for example, online) where the merchant or the financial institution or entity processing the transaction is located overseas. No foreign transaction fees apply for Platinum or World customers. Other fees and charges may apply, including when using overseas ATMs. 4. Redemption values current at 14 August 2017, points are awarded yearly and take into account bonus points and points earned when minimum spend requirements are met. Rewards and redemption values subject to change and availability. 5. To earn Annual Bonus Points you must have a minimum credit limit of $3,000. 6. Please refer to the LoungeKey Terms and Conditions of Use before you make your first lounge visit. You will find these Terms and Conditions of Use at www.loungekey.com/bankwest. Terms and Conditions of Use may be subject to change at any time without prior notice. Lounge information, including the list of lounges you are eligible to visit, and more detailed information about these lounges, including location, opening times, facilities available and specific conditions applicable to each lounge is available from www.loungekey.com/bankwest, the LoungeKey app and LoungeKey customer service center. You must have your eligible Mastercard payment card with you and identify yourself as a “LoungeKey customer” in order to be given access to the lounges. Please note that you will be charged for any lounge visits which are not part of the LoungeKey program. 7. Introductory rate on balance transfers is available only to new Bankwest More Mastercard customers who apply from 15 May 2017 until the promotion ends, and are approved. A 1% Balance Transfer Fee is payable on all transactions to which that balance transfer rate applies. Introductory rate on balance transfers applies from the date the card is opened, regardless of when any balance transfer is processed by us. After the introductory period, the interest rate on any outstanding transferred balance will be outlined in your credit card schedule. Minimum balance transfer amount $500. A request will only be processed up to 95% of your approved limit. Only non-Bankwest-branded credit cards can be balance transferred to a Bankwest More Mastercard. You are not eligible for this promotion if you upgrade or vary your existing Bankwest credit card to a Bankwest More Mastercard. View balance transfer terms and conditions. World Mastercard Program terms and conditions apply. Visit www.mastercard.com.au/world for details about World Mastercard experiences. Mastercard and the Mastercard brand mark are registered trademarks, and the circles design and Tap & go are trademarks of Mastercard International Incorporated.

* For cards with reward programs that allow you to earn points, unless otherwise noted, the best case scenario of everyday spending is used when calculating the spend required to earn a reward. Everyday spending does not include bonus points that may be earned by shopping with loyalty partners. For rewards programs that have monthly caps, we assume you stay under that cap and for products with two cards, we assume spending is with the highest earning card. For programs that allow you to convert points for air travel at a price that changes from day to day, we have assumed that the flight is $300 (taxes and charges inclusive).

Visa® is a registered trademark of Visa International Services Association.
The MasterCard® brand is a registered trademark of MasterCard International Incorporated.

Bankwest More World Mastercard

Purchase Rate 19.99 % p.a.
Cash Advance Rate 21.99% p.a.
Interest Free Up to 44 days
Annual Fee $270.00
Balance Transfer Rate 0 % p.a. for first 6 months

Top Features

  • More Mastercard customers will earn 115,000 annual bonus points each year, provided they meet the minimum spend requirements of $84,000 on eligible purchases in any year from card account opening.
  • 0% for 6 months on Balance Transfers (1% BT fee)
Show More Top Features

More Information

Rewards Program
Overseas ATM Availability
Insurance Cover for Purchases
Automatic Travel Insurance
Rewards Points per Dollar 2.5
Linked to Frequent Flyer
Spend to Redeem $100 Gift Card* -
Frequent Flyer Ratio
Spend at Loyalty Partner for $100 Gift Card*
SPEND FOR SYD/MEL RETURN* -
Lifetime of Points 36 months  
Rewards Program Partners
Rewards Bonus Points Partners
Domestic Airlines
International Airlines
Conditions Annual bonus points Annual bonus points are only available to new customers who apply for a Bankwest More Mastercard on or after 15 May 2017 and meet minimum spend requirements in any Year from Card Account opening. Eligible customers will earn: 19,500 Points if your Card is a Classic Card and you spend a minimum of $24,000 on Eligible Purchases in that Year; 75,000 Points if your Card is a Platinum Card and you spend a minimum of $48,000 on Eligible Purchases in that Year; and 115,000 Points if your Card is a World Card and you spend a minimum of $84,000 on Eligible Purchases in that Year. See Bankwest More Rewards Terms and Conditions (PDF) for more information. Introductory bonus points The More Rewards introductory bonus points promotion is available for a limited time and only to new Bankwest More Mastercard customers who apply from 15 May 2017 until the promotion ends, are approved and meet minimum spend requirements in the first 3 months from account opening. The number of bonus points are: 19,500 Points if your Card is a Classic Card and you spend a minimum of $2,000 on Eligible Purchases; 75,000 Points if your Card is a Platinum Card and you spend a minimum of $4,000 on Eligible Purchases; and 115,000 Points if your Card is a World Card and you spend a minimum of $7,000 on Eligible Purchases. Bonus Points are subject to change. Bonus Points will contribute to any annual points cap. Bonus Points will be transferred to your account within four months of account opening. You are not eligible for this promotion if you upgrade or vary your existing Bankwest credit card to a Bankwest More Mastercard.
Annual Fee $270.00
Minimum Repayment Greater of 2% or $20.00
Annual Fee First Year $270.00
Interest Charged From PurchaseDate
Rewards Joining Fee $0.00
Late Payment Fee $25.00
Supplementary Card Fee $0.00
Duplicate Statement Fee $7.50
Overseas ATM Balance Fee $0.00
Transaction Verification Fee $12.00
Overseas ATM Withdrawal Fee $4.00
Over Limit Fee $30.00
Overseas Emergency Card Replacement Fee $0.00
Terms & Conditions

1. More Rewards Points: More Rewards Points are earned in accordance with and subject to the Bankwest More Rewards Terms and Conditions (PDF). Exclusions, limitations and points caps apply. More Rewards Points are earned on eligible purchases only. Points earned and redemption values subject to change. The total More Rewards Points (including any bonus points) that can be earned in each year are: 150,000 Points if your Card is a Classic Card, and 400,000 Points if your Card is a Platinum Card. More Rewards Points (outside any bonus points) will only be credited to your account once you have spent at least $1,500 on eligible purchases and your account has been opened for at least 2 months. Annual bonus points: Annual bonus points are only available to new customers who apply for a Bankwest More Mastercard on or after 15 May 2017 and meet minimum spend requirements in any Year from Card Account opening. Eligible customers will earn: 19,500 Points if your Card is a Classic Card and you spend a minimum of $24,000 on Eligible Purchases in that Year; 75,000 Points if your Card is a Platinum Card and you spend a minimum of $48,000 on Eligible Purchases in that Year; and 115,000 Points if your Card is a World Card and you spend a minimum of $84,000 on Eligible Purchases in that Year. See Bankwest More Rewards Terms and Conditions (PDF) for more information. 2. You qualify for interest free days on purchases if you pay the closing balance owing (excluding any balance transfer amount) on your current statement in full by the due date. Section 24 of our Credit Cards Conditions of Use (PDF) further outlines how this interest-free period is calculated. 3. Foreign transactions are transactions occurring outside of Australia whether in foreign currency or Australian dollars including if you are in Australia (for example, online) where the merchant or the financial institution or entity processing the transaction is located overseas. No foreign transaction fees apply for Platinum or World customers. Other fees and charges may apply, including when using overseas ATMs. 4. Redemption values current at 14 August 2017, points are awarded yearly and take into account bonus points and points earned when minimum spend requirements are met. Rewards and redemption values subject to change and availability. 5. To earn Annual Bonus Points you must have a minimum credit limit of $3,000. 6. Please refer to the LoungeKey Terms and Conditions of Use before you make your first lounge visit. You will find these Terms and Conditions of Use at www.loungekey.com/bankwest. Terms and Conditions of Use may be subject to change at any time without prior notice. Lounge information, including the list of lounges you are eligible to visit, and more detailed information about these lounges, including location, opening times, facilities available and specific conditions applicable to each lounge is available from www.loungekey.com/bankwest, the LoungeKey app and LoungeKey customer service center. You must have your eligible Mastercard payment card with you and identify yourself as a “LoungeKey customer” in order to be given access to the lounges. Please note that you will be charged for any lounge visits which are not part of the LoungeKey program. 7. Introductory rate on balance transfers is available only to new Bankwest More Mastercard customers who apply from 15 May 2017 until the promotion ends, and are approved. A 1% Balance Transfer Fee is payable on all transactions to which that balance transfer rate applies. Introductory rate on balance transfers applies from the date the card is opened, regardless of when any balance transfer is processed by us. After the introductory period, the interest rate on any outstanding transferred balance will be outlined in your credit card schedule. Minimum balance transfer amount $500. A request will only be processed up to 95% of your approved limit. Only non-Bankwest-branded credit cards can be balance transferred to a Bankwest More Mastercard. You are not eligible for this promotion if you upgrade or vary your existing Bankwest credit card to a Bankwest More Mastercard. View balance transfer terms and conditions. World Mastercard Program terms and conditions apply. Visit www.mastercard.com.au/world for details about World Mastercard experiences. Mastercard and the Mastercard brand mark are registered trademarks, and the circles design and Tap & go are trademarks of Mastercard International Incorporated.

* For cards with reward programs that allow you to earn points, unless otherwise noted, the best case scenario of everyday spending is used when calculating the spend required to earn a reward. Everyday spending does not include bonus points that may be earned by shopping with loyalty partners. For rewards programs that have monthly caps, we assume you stay under that cap and for products with two cards, we assume spending is with the highest earning card. For programs that allow you to convert points for air travel at a price that changes from day to day, we have assumed that the flight is $300 (taxes and charges inclusive).

Visa® is a registered trademark of Visa International Services Association.
The MasterCard® brand is a registered trademark of MasterCard International Incorporated.