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Bankwest More World Mastercard
Bankwest More World Mastercard

Bankwest Credit Cards

Bankwest More World Mastercard

Updated 18 June 2025

Enjoy 0% p.a. on balance transfers for 6 months (1% one off BT fee). Earn 2.5 points per $1 spent on eligible purchases and pay no foreign transaction fees on online and overseas purchases. You'll also get extensive complimentary international travel insurance for you and your family for up to 12 months, plus 10 airport lounge visits per calendar year.
T&Cs apply.

Points Earn Rate (per $1 spent)

2.5 points

Rewards

Rewards Program

More Rewards

Bonus Points

N/A

Pros and cons

  • Earn 2.5 points per $1 spent on eligible purchases
  • Uncapped points earning
  • No foreign transaction fees
  • 10 airport lounge visits per calendar year at over 1300 airport lounges worldwide with Mastercard Travel Pass
  • Included insurances covering retail and travel purchases
  • 0% p.a. on balance transfers for six months with a 1% balance transfer fee

  • Balance transfer rate reverts to 19.99% p.a. after the introductory period
  • Points expire after 36 months

Creditcard.com.au review

Editor Review

Bankwest More World Mastercard

Pauline Hatch
Pauline is a personal finance expert at CreditCard.com.au, with 9 years in money, budgeting and property reporting under her belt. about this card.

The Big Review: Bankwest More World Mastercard

An excellent option for frequent travellers, the Bankwest More World Mastercard offers airport lounge access with Mastercard Travel Pass, no foreign transaction fees and a range of included travel and retail insurances. As a rewards card, it earns points on Bankwest’s own More Rewards program. Working well for big spenders, it has an uncapped earn rate of 2.5 points per $1 spend.

  • Earn 2.5 points per $1 spent on eligible purchases
  • Uncapped points earning
  • No foreign transaction fees
  • 10 airport lounge visits per calendar year at over 1300 airport lounges worldwide with Mastercard Travel Pass
  • Included insurances covering retail and travel purchases
  • 0% p.a. on balance transfers for six months with a 1% balance transfer fee
  • Annual Fee: $270
  • Additional Cardholder Fee: $0 for up to three cardholders
  • Purchase Rate: 19.99% p.a. (variable)
  • Cash Advance Rate: 21.99% p.a. (variable)

This Card: The Lowdown

Designed to reward big spenders, the Bankwest More World Mastercard offers Bankwest’s highest earn rate on its More Rewards program – 2.5 points per $1 spent on all eligible purchases – with uncapped points earning potential.

When it comes to features, these focus on travel perks, providing cardholders and their guests with 10 airport lounge access with Mastercard Travel Pass per calendar year (1300 lounges worldwide), a range of travel and retail insurance covers, and no foreign transaction fees on overseas purchases made in person and at online retailers.

Digging Deeper

With the basics covered, it’s time to dig a little deeper into what’s on offer with the Bankwest More World Mastercard, so you can decide whether this card is right for you.

This Card: As a Rewards Card

Earning Points

As you would expect, the Bankwest More World Mastercard has the highest earn rate on Bankwest’s More Rewards cards. With the Bankwest More World Mastercard, you will earn 2.5 points per $1 spent on eligible purchases.

Meanwhile, the Bankwest More Card has an earn rate of 1.5 points per $1, capped at 150,000 points per year, and the Bankwest More Platinum Card earns 2 points per $1, with a cap of 400,000 points per year.

Another plus point on the Bankwest More World Mastercard is the fact that it has no points cap in place, unlike the two other More Rewards cards on offer.

However, even if the card has no points cap, the points you earn do have an expiry date. If you do not use your points within 36 months, they will expire. In addition, your 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 two months.

Redeeming Points

As Bankwest’s own rewards program, the More Rewards program may not be that familiar to you. However, More Rewards works in much the same way as most other rewards programs, providing cardholders with access to travel, merchandise, gift cards and cashback.

As for merchandise, you can visit the online More Rewards store to redeem your points for more than 3,000 items within a wide range of categories. These include baby and kids, beauty and fashion, electrical, entertainment, fitness and outdoor, food and wine, and home and garden.

Looking for your next adventure? Having teamed up with Webjet, More Rewards allows you to use your points to book flights and holiday packages instantly with Webjet. If you don’t have enough points, you can make up the difference on your card.

This Card: As a Travel Rewards Card

As Bankwest has named this its ‘World’ card, you would expect a few extras designed to benefit the frequent traveller. Fortunately, the Bankwest More World Mastercard doesn’t disappoint.

No Foreign Transaction Fees

The Bankwest More World Mastercard has no foreign transaction fees, allowing you to save money when shopping overseas, or when buying stuff online from international retailers.

The card should have a 2.95% foreign transaction fee, but this fee is waived on the Platinum and World cards. Bearing in mind some cards charge up to 4% of the transaction amount, the Bankwest More World Mastercard could be a great choice for frequent travellers, and lovers of international online shopping.

Airport Lounge Access

When you travel overseas, waiting around at the airport has to be one of the most tiresome parts of the journey. Lounge access can make it somewhat easier to bear. With the Bankwest More World Mastercard, you’ll have access to 10 lounge visits per calendar year at more than 1,300 airport lounges around the world via Mastercard Travel Pass.

Haven’t heard of Mastercard Travel Pass? It's a program that provides airport benefits such as lounge access, airport transfers, and security fast track via mobile app. It lets you hang out in airport lounges to take advantage of the various facilities they have on offer, such as complimentary food and beverages, Wi-Fi access, comfortable seating and business facilities.

Before you travel, simply visit Mastercard Travel Pass website or mobile app to find out which lounges are available within the airports you are travelling through.

To find out what each lounge option offers – and the various conditions that may apply – it’s a good idea to check the Mastercard Travel Pass site or app, to ensure you get the most value out of each visit.

Travel Insurance

Another great perk for the frequent traveller, the Bankwest More World Mastercard provides a range of travel insurances, providing cover overseas and within Australia. This cover includes:

  • Overseas travel and medical insurance, including emergency dental repair, ambulance cover and hospital charges.
  • Interstate flight inconvenience insurance, covering you for travel interstate within Australia on holidays up to 14 days.

If you generally buy standalone insurance, this feature could potentially save you a lot of money each year. But of course, as with any insurance cover, conditions and exclusions apply, so read the PDS before you travel.

This Card: Extras on Offer

As the Bankwest More World Mastercard sits on the highest rung of the More cards ladder, it provides a selection of added extras, which help to offer more value to the cardholder.

Retail Cover

Similar to many other cards of this calibre, the Bankwest More World Mastercard provides cover on eligible retail purchases, in the form of extended warranty and purchase security insurance. These can offer valuable cover, helping you to save money, while protecting your purchases.

Balance Transfer Offer

The Bankwest More World Mastercard provides 0% p.a. on balance transfers for six months, with a 1% balance transfer fee. You can transfer up to 95% of your approved credit limit from non-Bankwest branded cards.

This Card: The Essentials

As we’ve already stated, the Bankwest More World Mastercard has a pretty significant annual fee. However, it’s worth pointing out that you can add up to three free additional cardholders to the account, helping you to earn points faster.

The card provides a nice earn rate, with no points cap, which could make it a worthy choice for big spenders. However, with its high purchase rate, cardholders would need to clear their balance by the due date each month to avoid interest adding up, thereby reducing the value of the features and rewards on offer.

As for eligibility, you must be 18 or over to apply, and you must be an Australian permanent resident. Note, the card has a minimum credit limit of $12,000, and there is only one Bankwest More Mastercard account allowed per customer.

Decision Time

Catering to the frequent traveller who spends big on their credit card, the Bankwest More World Mastercard offers a high earn rate and uncapped points earning. Features provided include no foreign transaction fees, travel and retail insurance covers, airport lounge access, and 0% p.a. on balance transfers for six months.

User reviews

Bankwest More World Mastercard ( based on 1 Creditcard.com.au user review )

26% rating based on 1 review

Rates
Fees
Rewards
Customer Service
Value
26%

Creditcard.com.au Visitor

10 September 2017

I signed up to this card on the understanding there was a 'bonus' 115,000 points if you spend $7k in the first 3 months. Bankwest have no record of this offer, but have advised if you spend $84k in the 1st 12 months you get the points. I won't be spending $84k in 12 months so not impressed that i've forked out $270 for this card.

Does not recommend 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

Brands you can't balance transfer from Bankwest

Credit limits

Minimum credit limit $12,000

Maximum credit limit N/A

Fees & repayments

Annual fee $270 p.a.

Additional cardholder fee Up to 3 at no extra cost

Foreign transaction fee 0%

Minimum repayment 2% or $20 (whichever is greater; closing balance applies if less than $20)

Cash advance fee 3% or $4 (whichever is greater)

Late payment fee $25

Rewards and points

Rewards program

Rewards Program More Rewards More Rewards

Bonus points N/A

Annual points cap uncapped

Bonus points spend criteria N/A

Earning points with this card

Rewards Rewards points 2.5 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 Yes

Flight Inconvenience Insurance Yes

Transit Accident Insurance Yes

Smartphone Screen Insurance No

Purchase Protection Insurance Yes

Extended Warranty Insurance Yes

Rental Vehicle Excess In Australia Insurance No

Extras

Travel insurance underwritten by Cover.More Insurance

Price Guarantee Insurance

Overview

Bankwest More World Mastercard

The Bankwest More World Mastercard is an excellent choice if you want a rewards credit card that gives you more. If you aren’t sure whether you want a bit of cash back, or vouchers for stores like David Jones, or you want to travel the world next year, then this card is for you because you can take your pick when you’re ready to decide. Earn 2.5 points per $1 spent on eligible purchases, uncapped.

Key features

  • No foreign transaction fees on online and overseas purchases
  • International travel insurance up to 12 months for you and your family
  • 0% p.a. on balance transfers for the first 6 months (1% balance transfer fee applies)
  • Earn 2.5 rewards points for every $1 spent
  • Purchase security cover. 3 months of free insurance against loss, theft or accidental damage on personal goods purchased anywhere in the world
  • Up to 12 months extra warranty on top of the manufacturer's warranty
  • Enjoy 10 complimentary airport lounge visits per calendar year at over 1300 airport lounges worldwide with Mastercard Travel Pass.

Minimum criteria to apply for this card

  • Be over 18 years old

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

  • Australian permanent resident

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

Pauline

Pauline is a personal finance expert at CreditCard.com.au, with 9 years in money, budgeting and property reporting under her belt. Pauline is passionate about seeing Aussies win by making their money – and their credit cards – work smarter, harder and bigger

Recently Asked Questions

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

22 questions (showing the latest 10 Q&As)

Teresa Grek

Teresa Grek

13 June 2025
How to register my card?
    Pauline - CreditCard.com.au

    Pauline

    16 June 2025
    Hi Teresa, if you need to activate your card you can do it via the online banking section on the Bankwest site. If you have the app you can also login and do it there.
Mahmood sarwar

Mahmood sarwar

28 May 2025
which airport lounges has complementary visits world card get you the accerss?
    Pauline - CreditCard.com.au

    Pauline

    2 June 2025
    Hi Mahmood, the official Mastercard site has a searchable list of lounges you can check. Happy travels!

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