Quick links

Bankwest App
Activate card or payment ring
Complimentary Credit Card Travel Insurance
Transaction dispute

Popular searches

Can we suggest…

Continue searching for… ""

Bankwest More Mastercard Credit Cards stacked with classic, platinum, world tiers

Earn rewards with a More credit card

The Bankwest More Mastercard® is an everyday credit card that rewards you when you spend on eligible purchases. 1

Apply today
Resume an application

Benefits

Earn and redeem More Rewards points

Spend and earn rewards points on your everyday eligible purchases. 1 ? Most purchases are eligible purchases except some things such as balance transfers, bank fees, gambling, government charges and anything else listed in Section 5 of our Bankwest More Rewards terms and conditions.

Choose to redeem your points for cashback or a range of digital gift cards on the More Rewards website.

Interest free period

Up to 44 interest free days on purchases. 2 You qualify for interest free days on purchases if you pay the closing balance owing (excluding any promotional or introductory 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.

Save on foreign transaction fees

No foreign transaction fees for Platinum and World cardholders. 3

Purchase now, pay off later

With Easy Instalments purchase plans, you can spread the cost of up to five eligible purchases over four manageable monthly instalments, at 0% p.a. Plus, you can manage them in the app. 4 See the 'Things you should know’ section at the bottom of this page for the full T&Cs.

There are three types of rewards credit cards

Classic

Earn up to 150,000 More Rewards points every year. Choose to redeem your points for cashback or a range of digital gift cards. 1
  • Earn 1.5 More Rewards points per $1 spent on eligible purchases ? Most purchases are eligible purchases except some things such as balance transfers, bank fees, gambling, government charges and anything else listed in Section 5 of our Bankwest More Rewards terms and conditions.
  • $1,000 minimum credit limit.

Platinum

Earn up to 400,000 More Rewards points every year. Choose to redeem your points for cashback or a range of digital gift cards. 1
  • Earn 2 More Rewards points per $1 spent on eligible purchases ? Most purchases are eligible purchases except some things such as balance transfers, bank fees, gambling, government charges and anything else listed in Section 5 of our Bankwest More Rewards terms and conditions.
  • Complimentary overseas travel insurance and no foreign transaction fees 7 3
  • $6,000 minimum credit limit.

World

Enjoy unlimited points earning potential. Choose to redeem your points for cashback or a range of digital gift cards. 1
  • Earn 2.5 More Rewards points per $1 spent on eligible purchases ? Most purchases are eligible purchases except some things such as balance transfers, bank fees, gambling, government charges and anything else listed in Section 5 of our Bankwest More Rewards terms and conditions.
  • Complimentary overseas travel insurance and no foreign transaction fees 7 3
  • 10 complimentary airport lounge visits per year at over 1,300 airport lounges worldwide with Mastercard Travel Pass 5 Please review the Mastercard Travel Pass Terms & Conditions before you make your first lounge visit. Download the Mastercard Travel Pass app from the App Store, Google Play or the Mastercard Travel Pass website. For more information refer to the 'Things you should know' section at the bottom of this page.
  • $12,000 minimum credit limit.
Find out more
See detailed comparison

Rates and fees

Show me the rates and fees for
Rates
Rate Type Rate
Purchase rate ?
19.99% p.a.
Introductory balance transfer rate for the first 6 months 6
0% p.a. (1% balance transfer fee applies)
Ongoing balance transfer rate ? The ongoing balance transfer rate is the rate that applies after the introductory period finishes. 
19.99% p.a.
Cash advances ?
21.99% p.a.
Rates
Rate Type
Rate
Purchase rate ?
19.99% p.a.
Introductory balance transfer rate for the first 6 months 6
0% p.a. (1% balance transfer fee applies)
Ongoing balance transfer rate ? The ongoing balance transfer rate is the rate that applies after the introductory period finishes. 
19.99% p.a.
Cash advances ?
21.99% p.a.
Fees
Fee Type Amount
Annual fee
$160
Annual fee
$100
Annual fee
$270
Foreign transaction fee 3
Waived (Normally 2.95% of the transaction amount)
Foreign transaction fee 3
2.95% of the transaction amount
Late payment administrative fee ? When the minimum payment is not processed by the due date. This includes any amount shown on your card account statement as 'amount due immediately'.
$25 per statement period
Cash advance fee
3% of transaction amount or $4 (whichever is greater)
Paper statement fee ? Avoid this fee with eStatements.
$1.25 per statement
Fees
Fee Type
Amount
Annual fee
$160
Annual fee
$100
Annual fee
$270
Foreign transaction fee 3
Waived (Normally 2.95% of the transaction amount)
Foreign transaction fee 3
2.95% of the transaction amount
Late payment administrative fee ? When the minimum payment is not processed by the due date. This includes any amount shown on your card account statement as 'amount due immediately'.
$25 per statement period
Cash advance fee
3% of transaction amount or $4 (whichever is greater)
Paper statement fee ? Avoid this fee with eStatements.
$1.25 per statement

Rates are subject to change. Other fees and charges may apply. A full list of fees will be outlined in your credit card contract.

See the Credit Card Key Facts Sheet (PDF).

Apply today

Here are your next steps...

Check your eligibility

  • People 18 years or over
  • Australian permanent residents
  • Only one Bankwest More Mastercard account per customer.

  • Photo identification such as an Australian driver's licence or passport. Or see a handy list of other ID documents we’ll accept
  • Employment details, including length of employment and employer contact numbers
  • Info about your income, expenses, assets, loans and other credit cards.

Find out more about what you may need to provide.

Apply now

Already started? Resume your application.

Looking for something else?

Browse credit cards

Find a credit card that suits your needs. Choose between our low rate, no annual fee, Qantas Points and more.

View cards

Manage your credit card

Check out our range of guides that tell you how to manage your credit card.

View guides

Frequently asked questions

Find answers for questions about accounts, cards, home loans and online banking services.

Find out more

Support

Want to chat? We have a range of contact options to suit your needs.

Get in touch

If your priority is debt consolidation, you might want to consider a debt consolidation loan.

There is a limit of one Bankwest More Mastercard per customer.
 

  1. 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 will only be credited to your account once you have spent at least $1,500 on eligible purchases and your account has been open for at least 60 days.

    Annual bonus points will not be available to Account Holders who open a Card Account after 31 July 2023. 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 promotional or introductory 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 or overseas ATM fees apply for Platinum or World customers. Other fees and charges may apply, including Overseas ATM operator and local non-bank ATM operators may charge a fee.
  4. Lending criteria, fees and charges apply. Terms and conditions apply and are available on request. Available on eligible purchases between $100 and $10,000. Cash advances, gambling transactions, balance transfers, purchases on a promotional offer and purchases made more than 30 days prior aren’t eligible. You won't be able to apply for an Easy Instalments plan if you don't meet our eligibility criteria (e.g. if you've exceeded your limit or if you're in default). When you apply for an Easy Instalments plan, you are requesting an amendment to your allocation of payments in accordance with clause 6. of the Easy Instalments Terms and Conditions. To apply payments in this order may mean that other balances that attract a higher interest rate may be repaid later which may result in you paying higher interest charges.
  5. To gain access to participating airport lounges, you must register your Bankwest More World Mastercard on the Mastercard Travel Pass website or app, generate a membership QR code and present this along with your boarding pass for validation. More World Mastercard customers receive ten complimentary lounge visits every year, per account, each visit can be used by either the primary cardholder or guest. Guest must always be accompanied by the primary cardholder and cannot use the access on their own. Please note, your lounge access may be blocked if your account is closed, in arrears, reported lost or stolen, or has been blocked by us for any reason. To redeem an offer visit the Mastercard Travel Pass website or app, select your preferred offer and generate an offer QR code. Present the valid offer QR code to the cashier and redeem the offer. Please note, offers vary by location. Visit Mastercard Travel Pass website for information on accessing lounges, offer locations, a full list of Terms and Conditions and Frequently Asked Questions. Please review Mastercard Travel Pass Terms & Conditions before you make your first lounge visit.
  6. 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.

  7. Complimentary overseas travel insurance provides base cover only. Limitations, exclusions, and eligibility criteria apply. See the Credit Card Insurances Product Disclosure Statement and Information Booklet (PDF) for details.

    Coronavirus (COVID-19)
    Cover is available for overseas medical expenses incurred due to COVID-19. No cover is available under any other benefit or if you are travelling on a cruise. Terms and conditions apply. For more information please refer to the Credit Card Insurance PDS (PDF).

Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.