If you're eligible for a More World Mastercard, you can enjoy these additional perks.
Earn rewards with a More credit card
The Bankwest More Mastercard® is the everyday card that rewards you for spending on eligible purchases. 1
More Mastercard options
There are three types of More Mastercard – they vary mainly by the amount of points you can earn, minimum credit limit and annual fee.
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 on the More Rewards website.
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
- $100 annual fee.
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 on the More Rewards website. 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.
- Perfect for travel – No foreign transaction fees on online and overseas purchases, plus complimentary overseas travel insurance for you and your family 2 8
- $6,000 minimum credit limit
- $160 annual fee.
World
Enjoy unlimited More Rewards points earning potential. Choose to redeem your points for cashback or a range of digital gift cards on the More Rewards website. 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.
- Perfect for travel – No foreign transaction fees on online and overseas purchases, plus complimentary overseas travel insurance for you and your family 2 8
- 10 complimentary airport lounge visits per year at over 1,300 airport lounges worldwide with Mastercard Travel Pass 3 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
- $270 annual fee.
New Bankwest More Mastercard customers only. Minimum spend and T&Cs apply.
Plus more benefits with World Mastercard
Rates and fees
| Rate type | Rate |
|---|---|
|
Purchase rate
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|
19.99% p.a.
|
|
Introductory balance transfer rate for the first 6 months
7
|
0% p.a. (1% balance transfer fee applies)
|
|
Ongoing balance transfer rate
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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
7
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.
| Fee type | Amount |
|---|---|
|
Foreign transaction fee
8
|
2.95% of the transaction amount (waived for Platinum and World customers)
|
|
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'.
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$25 per statement period
|
|
Cash advance fee
|
3% of transaction amount or $4 (whichever is greater)
|
|
Paper statement fee
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Avoid this fee with eStatements.
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$1.25 per statement
|
Fees
Fee type
Amount
Foreign transaction fee
8
2.95% of the transaction amount (waived for Platinum and World customers)
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
Check your eligibility
- This card is available to people 18 years and over who are Australian permanent residents
- Only one Bankwest More Mastercard account per customer.
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.
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).
- 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.
- Hertz Program validity: 31/12/18 or until otherwise advised. Hertz Car Rental terms and conditions apply.
- Visit mastercard.com.au/world to view the full suite of hotels and resorts and make your reservation.
- 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.
- 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.
- 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.
Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.