Bankwest More MasterCard – Details and Application

Information verified correct on October 1st, 2016

Earn Bankwest More Reward Points for every dollar spent on eligible purchases and repay your debt with a low balance transfer offer.

The Bankwest More MasterCard offers new cardholders a range of benefits with 1.5 Bankwest More Reward Points per $1 spent on eligible purchases, interest-free days on purchases and a balance transfer offer of 2.99% p.a. for 9 months. These benefits come with an annual fee of $70.

Product NameBankwest More MasterCard
Rewards ProgramBankwest More Rewards Program
Balance transfer rate (p.a.)2.99% p.a. for 9 months
Balance Transfer Revert Rate
The interest rate after the balance transfer ends.
Standard Balance Transfer Revert Rate (19.99% p.a.)
Balance Transfer Limit95% of available credit limit
Purchase rate (p.a.)19.99% p.a.
Annual fee$70 p.a.
Interest Free Period
The interest-free period on purchases is the period or number of days you do not have to pay interest on your card purchases. You will be charged interest either from the day you make a purchase or from the statement date, unless you pay the closing balance in full by the due date (or within the interest-free period) on your statement.
Up to 44 days on purchases
Cash advance rate (p.a.)21.99% p.a.
Min credit limit
This is the lowest credit card limit that you can request. It is possible to apply for a higher credit card limit but not a lower one than this figure.
Minimum Monthly Repayment2% or $20
Card TypeMasterCard
Late Payment Fee$25
Foreign Currency Conversion Fee (MC)2.95% of transaction value
Complimentary Travel InsuranceNo
Available To Temporary ResidentsNo
Joint ApplicationNo
Minimum Age18 years of age
Available to Temporary ResidentsNo
Credit Rating Requirement
Credit rating requirement is provided only as a guide. Understanding your credit file helps you make more informed decisions in regards to your finances. Learn more about what this means here.
Min Credit Limit
This is the lowest credit card limit that you can request. It is possible to apply for a higher credit card limit but not a lower one than this figure.
Annual Fee$70 p.a.
Minimum Repayment2% or $20
Late Payment Fee$25
Over Limit Fee$30
Cash Advance FeeGreater of 2% or $4.00
Overseas Cash Advance FeeGreater of 2% or $4.00
Overseas Emergency Replacement$0
Overseas ATM Balance check$0
Foreign Currency Conversion Fee (MC)2.95% of transaction value
Gambling Transactions AllowedYes
Gambling Transactions Interest RateCash Advance Rate
Additional Cardholder Fee$0 p.a.
Number of Additional Cardholders3
Direct DebitYes
Australia PostYes
Phone BankingYes
Internet Banking TransfersYes
In BranchYes


  • This card gives you access to a rewards program. Earn 1.5 reward points per $1 you spend on eligible purchases.
  • Consolidate your debt with its 2.99% p.a. for 9 months balance transfer offer.


  • A high annual fee of $70 applies.
  • After the introductory period, you will be charged 19.99% p.a. on all purchases.
Rewards ProgramBankwest More Rewards Program
Rewards Points per $ (VISA/MC)1.5
Rewards Points per $ (AMEX)0
Rewards Points per $ (VISA/MC) Cap150,000
Rewards Points per $ (AMEX) CapN/A
Points Expiry36 months

Bankwest More MasterCard review

The Bankwest More MasterCard is Bankwest’s entry level rewards credit card. The annual fee is $70 and you earn 1.5 Bankwest Reward Points for every dollar you spend on eligible purchases with the card. You can earn up to 2 points per dollar spent with the platinum tier (Bankwest More Platinum Mastercard) of this account.

Benefits of the Bankwest More MasterCard

  • 1.5 Bankwest More Reward Points. This card allows you to earn more points and redeem for the rewards you want sooner. When you make an eligible purchase with the Bankwest More Rewards MasterCard, you will earn 1.5 Bankwest More Reward Points for every dollar spent.
  • Save money and repay your debt with a balance transfer offer. Save money on interest repayments by transferring your existing non-Bankwest credit card, store card or charge card balance to this account and get 2.99% p.a. for 9 months under a balance transfer promotion.
    If you don’t pay back any debt you transfer to the account by the end of the promotional period, the ‘Bankwest More MasterCard Annual Balance Transfer Rate’ is charged: 19.99% p.a. The balance transfer promotional period begins from when the account is opened. A balance transfer usually takes a couple of days to process by the banks sending and receiving your outstanding card balance. And this only happens after you receive and activate the card, which can be up to two weeks after you’re approved for the account.
  • Transfer up to 95% of your approved credit limit. Bankwest allow you to use up to 95% of your credit limit towards a balance transfer facility. Card holders that are given a credit limit of $10,000 by Bankwest, for example, can transfer up to $9,500 from other credit cards, store cards and charge cards.

Features of the Bankwest More MasterCard

  • Annual fee. The Bankwest More MasterCard has an annual fee of $70.
  • Rewards program. Earn 1.5 Bankwest More Reward Points per dollar spent on eligible purchases made with the Bankwest More MasterCard. Eligible purchases are your everyday purchases like buying clothes, food and petrol for example.
  • Interest-free days. Get up to 44 days interest-free on purchases when you pay your account in full each month.
  • Balance transfer. Transfer you non-Bankwest credit card, store card or charge card debt to the Bankwest More MasterCard when you apply and you get a balance transfer promotion of 2.99% p.a. for 9 months.
  • Emergency card replacement. Free overseas emergency card replacement if your Bankwest More MasterCard is lost or stolen while you’re abroad.
  • Security. MasterCard Zero Liability Guarantee gives you a full reimbursement if you’re the victim of credit card fraud. There’s further protection through the card’s chip, PIN and Bankwest’s account monitoring services.
  • Contactless payments. The Bankwest More MasterCard is Paypass enabled. Tap your card against contactless terminals for purchases under $100.

How to apply for the Bankwest More Rewards MasterCard

To apply for this account, press the apply button this page. You will be redirected to the secure bank page from Bankwest where you can sign up for this card offer. It takes about ten minutes to complete the application and Bankwest get in touch with you on the email you provided to let you know the status of your application right after you hit submit on the application.

Eligibility criteria

Bankwest do not publish the application requirements for the Bankwest More MasterCard, however, to apply you need to be:

  • You must be over 18 years old.
  • Able to service the minimum credit limit on this account: $1,000.
  • A permanent resident (for online applications. Temporary residents on a Visa will need to speak to a Bankwest credit manager).
  • Have a good credit rating.

Required documents

  • Your drivers licence, passport, Medicare card and Australian Birth Certificate are all forms of accepted identification.
  • Have your two most recent pay slips on hand to send to Bankwest if they need to see proof of the information you provided in your online application. You can scan and email or fax these documents to Bankwest.
  • This includes living expenses, like rent and food, information about other credit cards or loans and any income you get from assets like shares, property or interest bearing accounts.
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37 Responses to Bankwest More MasterCard – Details and Application

  1. Default Gravatar
    | May 10, 2016

    Do you have to be a client of your Bank to apply for this credit card?
    Do you have gift cards for the rewards program, eg Myers Gift card,
    David Jones and JB Hi fi?
    Does the security on this card detect unusual activity and notifies the owner straight away?

    • Staff
      Anndy | May 10, 2016

      Hi Deb,

      Thanks for your questions.

      You don’t have to be a client of Bankwest to apply for Bankwest More MasterCard, but other eligibility criteria apply as listed above.

      Unfortunately, Bankwest doesn’t offer gift cards.

      As for security, Bankwest may or may not be able to immediately detect fraudulent transactions, but credit card holders are protected by MasterCard Zero Liability Guarantee that provides full reimbursement if you’re a victim of credit card fraud. The card’s chip, PIN and Bankwest’s account monitoring services also provide added protection.

      I hope this helps.


  2. Default Gravatar
    Mr | January 15, 2016

    I have a MasterCard platinum, with an 18month 0% balance transfer offer. I’ve recently found out that any charges I make to the card after the balance transfer (on top of the balance transferred) will only be paid down once the full amount of the balance transfer is paid. This effectively means I will pay credit card interest on any spend on the card, until the interest free amount is paid down. Seems counter productive (and is different to what I was advised verbally by the salesman). Surely this encourages me not to the use the card at all, until the interest free period has expired?

    Is this your understanding of a common fine print issue?


    • Staff
      Sharon | January 20, 2016

      Hi Mr Ward,

      Thanks for your inquiry.

      It’s not recommended to use one card for both balance transfers and purchases. Instead, if you have a balance you need to transfer, you may consider using a separate card for balance transfers. If you use your balance transfer credit card for purchases or cash advances during the promotional period, your repayments will go towards your purchase and cash advance debt first (as they carry a higher interest rate) and then your balance transfer debt.

      You may also refer to this article on how not to fall for a balance transfer trap.

      I hope this helps.


  3. Default Gravatar
    Leslie | April 13, 2015


    I see your answer below stating that Westpac,BOM,St George and Bankwest all fall under the Westpac Group.

    Does this mean we only need to apply to one as if we are rejected by one it will most likely be declined by all?

    I haven’t applied yet but thought if this is the case I should choose wisely out of the above on where I apply.
    Thank you

    • Staff
      Jonathan | April 14, 2015

      Hi Leslie, thanks for your inquiry!

      Even though the banks mentioned all fall under the Westpac group, the application criteria and requirements for each credit card will vary. It would be best to assess your ability to repay a credit card and choose the product that best suits your needs.



  4. Default Gravatar
    ADZ | April 2, 2015

    Hi…I’m looking to roll over some credit card debt to take advantage of the 0% interest period…My question is – given that my debt is with Westpac and Bank Of Melbourne and St. George are part of the Westpac group…Could that mean the application would be rejected as it would be more profitable to leave my debt where it is and about to go from 0% to cash advance rates.
    Thank You

    • Staff
      Jonathan | April 2, 2015

      Hi ADZ, thanks for your inquiry!

      That is correct, because the Bank of Melbourne and St.George are part of the Westpac group balance transfers between the banks are not supported. Please see the following link for a list of balance transfer cards and offers.



  5. Default Gravatar
    | March 4, 2015

    Hi, all these questions and information, but nothing about where and how points can be redeemed. Steve

    • Default Gravatar
      ken | December 8, 2015

      how do I redeem my points?

    • Staff
      Sally | December 8, 2015

      Hello Ken,

      Thanks for your question.

      You can redeem your reward points via the Bankwest More Rewards website. I’ve emailed you a link for your convenience.

      I hope this helps.



    • Staff
      Jonathan | March 4, 2015

      Hi Steve, thanks for your inquiry!

      Please refer to the website link I have sent to your email for details on how to redeem Bankwest More Rewards points and the types of rewards available.



  6. Default Gravatar
    Dino | March 3, 2015


    Was wondering if I can get the credit card through a trust.



    • Staff
      Jonathan | March 5, 2015

      Hi Dino, thanks for your inquiry!

      Business credit cards are available with Bankwest Business accounts. Please see this page for more information on business credit cards.



  7. Default Gravatar
    Brett | February 20, 2015

    I have a westpac and a virgin citi bank credit card . Can I apply for a balance transfer and transfer balances from these two cards.

    • Staff
      Jonathan | February 20, 2015

      Hi Brett, thanks for your inquiry!

      If you meet the application requirements you can request a balance transfer. Please note that balance transfers can only amount to 95% of the credit limit and you or the Additional Cardholder (as relevant) are not in default of the terms and conditions applicable to the account from which the transfer is made.



  8. Default Gravatar
    Brett | February 20, 2015

    I am a westpac and virgin visa with citi bank customer. Can I apply for a balance transfer card with bank west.

    • Staff
      Jonathan | February 20, 2015

      Hi Brett, thanks for your inquiry!

      If you meet the application requirements for Bankwest you will able to request a balance transfer.



  9. Default Gravatar
    Tammy | February 12, 2015

    already have a bankwest card in a 0% balance transfer contract maybe half way through. Can I apply for another card at 0%. That way have 2 card – the current one and a new one with new debit

    • Staff
      Jonathan | February 12, 2015

      Hi Tammy, thanks for your inquiry!

      You can apply for another credit card as long as you meet the lender’s requirements. Please note that balance transfers between two credit cards within the same lender are not possible, so you cannot balance transfer an amount from one Bankwest credit card to another.



  10. Default Gravatar
    Lesley | January 17, 2015

    If my husband applies for this card with the interest free period, can he incorporate debt from a card (different bank) in my name?

    • Staff
      Jonathan | January 19, 2015

      Hi Lesley,

      Thanks for your question!

      In regards to balance transferring an amount of debt from a partner or spouse there are a couple of things to consider. It will depend on the credit issuer and the type of account the transfer is originating from and the recipient account type. Bankwest’s terms for joint balance transfers include “You can transfer between any two people’s names provided they are added as a signatory to the new account.” For the full details regarding balance transferring an amount from a partner please see this page.

      I hope this helps!



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Rates last updated October 1st, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
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Receive a full annual fee refund and save $149 if you meet the $6,000 spend requirement. Enjoy a balance transfer offer and platinum card benefits such as complimentary insurances and concierge services.
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