Ask Roland a Question

Hi, I’m the site founder and I will personally answer your question within a business day.

By submitting this question you agree to our privacy policy.

19,500 Spend $24,000 in the year
Bankwest More Credit Card
Bankwest More Credit Card

Bankwest Credit Cards

Bankwest More Credit Card

Updated 1 July 2020

Earn points on your everyday spending, with 1.5 points per $1 spent. Points can be redeemed on a wide variety of items, from flights and travel to more than 3,000 options on merchandise, shopping vouchers, and cash back. You can earn points even faster with 3 free additional cardholders. Other benefits of the card include up to 44 days interest free on purchases, a competitive annual fee, and the convenience of Mastercard PayPass.

Points Earn Rate (per $1 spent)

1.5 points

Rewards

Rewards Program

More Rewards

Bonus Points

19,500 pts

Spend $24,000 in the year

0 points over 12 months spend

My monthly card spend

Pros and cons

  • 19,500 annual bonus points when you spend $24,000 on eligible purchases in the year
  • Earn 1.5 reward points for every $1 spent
  • Use your points for webjet flights, hotels, gift cards and the latest merchandise
  • 0% p.a. on balance transfers for the first 6 months (1% balance transfer fee applies)
  • Add up to 3 free additional cardholders
  • Up to 44 days interest free on purchases
  • Pay with your compatible device using Apple Pay & Google Pay™ or Australia’s first payment ring - Bankwest Halo

  • 1% balance transfer fee

Creditcard.com.au review

Editor Review

Bankwest More Credit Card

Roland Bleyer
Credit Card Expert with over 15 years card experience and the founder of Creditcard.com.au. about this card.

The Bankwest More Credit Card

As Bankwest’s entry-level rewards card, the Bankwest More Credit Card allows cardholders to earn rewards on their everyday purchases, with 19,500 annual bonus points on offer to those who meet the minimum yearly spend. With a focus on rewards, this card keeps it fairly simple in terms of extras, offering standard security features and 0% p.a. on balance transfers for six months.

What we love...

With the Bankwest More Credit Card, you can earn points on Bankwest’s own rewards program, More Rewards. Allowing you to earn on everyday spending, the card provides an earn rate of 1.5 More Rewards points per $1 spent on eligible purchases.

While there is a lot to like about Bankwest’s rewards program, there are few things cardholders should know before they apply.

Firstly, the total earn on this card is capped at 150,000 points per year. Secondly, you will only be credited with More Rewards points once you have spent at least $1,500 on eligible purchases, and your account has been opened for at least two months.

On to the annual bonus points feature. As a cardholder, you will be credited with 19,500 annual bonus points each year you spend a minimum of $24,000 on eligible purchases. Also note, that to earn annual bonus points you must have a minimum credit limit of $3,000.

So, what does all that mean? To understand the value of the points you earn, you have to know what they can offer you. The More Rewards program is much like many of the other bank’s rewards programs, in that they allow cardholders to redeem points for travel, merchandise and gift cards.

By visiting the More Rewards online store, cardholders can redeem their points for anything from baby stuff and tech, to fitness gear and gourmet treats. Love travel? You can also redeem your points at Webjet.

To give you an idea of value, that annual bonus could get you (almost) from Sydney to Melbourne, or from Brisbane to Sydney, with each of those one-way journeys starting at 19,800 points. If you opt for cashback, you could redeem 55,500 points for $100 cashback.

Taking into account the card’s $100 annual fee, you’d need to spend at least $37,000 each year on the card to make back that annual fee in cashback. On top of that though, you would get your 19,500 annual points bonus.

What’s not so great...

As is so often the case with rewards cards, the Bankwest More Credit Card has a fairly high purchase rate. That means, to make the most of the rewards on offer, it’s best to clear the balance each month by the due date. This also allows you to take advantage of up to 44 days interest free on purchases. Not the longest interest free period, but helpful nonetheless.

Why should you choose this card?

If you’re looking for a simple rewards card, the Bankwest More Credit Card could be a good option. With its focus on rewards, it doesn’t overcomplicate things with too many extras, which may work well for some cardholders. Its earn rate is decent, providing rewards for cardholders who are perhaps not the biggest of spenders.

It’s worth noting that the card does offer 0% p.a. on balance transfers for six months with a 1% balance transfer fee. However, rewards and balance transfers don’t sit that well together. If you have a balance transfer, it’s a good idea to concentrate on paying it off, rather than spending to earn rewards, and potentially creating more debt.

In terms of features, the Bankwest More Credit Card provides all the standard security features found on every Mastercard. However, one handy feature you may be interested in is the Bankwest Halo payment ring. Linked to your card, this ring can be used for contactless payments at the checkout, so you can leave your wallet at home.

Overall Rating

As a basic rewards card, the Bankwest More Credit Card focuses on providing rewards, while keeping it simple elsewhere. Providing a decent earn rate and 19,500 annual bonus points after a minimum spend, the card also offers 0% p.a. on balance transfers for six months.

User reviews

Bankwest More Credit Card ( based on 3 Creditcard.com.au user reviews )

76% rating based on 3 reviews

Rates
Fees
Rewards
Customer Service
Value
75%

Creditcard.com.au Visitor

28 January 2013

You get 0% purchase for 6 months and bonus points - great intro offers for me. There's also a balance transfer offer but I didn't use that. You can earn points easily and get some good rewards back. Annual fee nice and low. This card gives you more. Haha.

Recommends this card
77%

Ross Leicester

28 January 2013

I chose the Bankwest More for the signup offers 0% on purchases for 6 months and the 2500 bonus points. I didntneed the balance transfers. So far found that its pretty good for earning points, and from looking at what I can redeem, I'm happy.

Recommends this card

Rates and fees

Interest rates



Purchase rate 19.99% p.a.

Cash advance rate 21.99% p.a.

Interest free period on purchases up to 44 days

Balance transfer

Balance transfer rate 0% p.a. for 6 months

Balance transfer revert rate 19.99% p.a.

Balance transfer from personal loan No

Balance transfer fee 1% one off

Balance transfer limit 95% of approved credit limit

Banks you can't balance transfer from Bankwest

Credit limits

Minimum credit limt $1,000

Maximum credit limit $25,000

Fees & repayments

Annual fee $100 p.a.

Additional card holder fee Up to 3 at no extra cost

Foreign transaction fee 2.95%

Minimum repayment 2%

Cash advance fee 2%

Late payment fee $25

Rewards and points

Rewards program

Rewards Program More Rewards More Rewards

Bonus points 19,500 points

Annual points cap 150,000

Bonus points spend criteria Spend $24,000 in the year

Earning points with this card

Rewards Rewards points 1.5 points per $1 spent

Points cap per month N/A

Overseas earn rate same as standard earn rate

Additional features

Complimentary insurance

International Travel Insurance No

Flight Inconvenience Insurance No

Transit Accident Insurance No

Smartphone Screen Insurance No

Purchase Protection Insurance No

Extended Warranty Insurance No

Rental Vehicle Excess In Australia Insurance No

Extras

Pay with your compatible device using Apple Pay & Google Pay™ or Australia’s first payment ring - Bankwest Halo

Overview

Bankwest More Credit Card

The Bankwest More Mastercard is an excellent choice if you want a rewards credit card that gives you more and it’s easy to earn points as well.

Key features

  • 19,500 annual bonus points when you spend $24,000 on eligible purchases in the year
  • Earn 1.5 reward points for every $1 spent
  • Use your points for webjet flights, hotels, gift cards and the latest merchandise
  • 0% p.a. on balance transfers for the first 6 months (1% balance transfer fee applies)
  • Add up to 3 free additional cardholders
  • Up to 44 days interest free on purchases
  • Pay with your compatible device using Apple Pay & Google Pay™ or Australia’s first payment ring - Bankwest Halo

Minimum criteria to apply for this card

  • Be over 18 years old

  • Good Credit and have not applied for multiple credit cards recently

  • Resident or citizen of Australia. Temporary residents are eligible.

  • Minimum income of $19,000 p.a.

  • You have your personal details ready to complete the online application

Roland B Bleyer

Roland B Bleyer founded Creditcard.com.au in 2005 and has extensive knowledge about credit cards. He personally answers all questions and write the editor reviews for each card here. Always keen to share his passion to educate consumers and help you select better suited credit cards.

Recently Asked Questions

Something you need to know about this card? Ask a our credit card expert a question.

3 questions (showing the latest 10 Q&As)

Bryan

Bryan

14 June 2018
If I get one now when will it expire
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    14 June 2018
    Hi Bryan, expiry dates from the banks will vary and will depend on when they are issued. Typically you should have an expiry date or 2-3 years.
Robert Maley

Robert Maley

14 April 2018
I have a Bankwest More credit mastercard and have paid for an overseas trip using this card. I notice this card has no travel insurance cover. Can I change to a platinum or other card offering this insurance to cover this already paid trip?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    16 April 2018
    Hi Robert, I dont believe you would be able to as you have already paid for the trip. To activate travel insurance you will need to put some prepaid travel expenses on the card. I would speak to Bankwest credit card customer service and see what they can offer.
david

david

7 July 2015
how do I find my bankwest more card transaction record ?

Similar Credit Cards

Help us improve

By submitting this feedback you agree to our privacy policy.

My credit card is not listed

By submitting this form you agree to our privacy policy.