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Bankwest More Platinum Mastercard
2.8
Highlights
- Earn up to 130,000 bonus Points, equivalent to as much as $290 in cashback, by spending $5,000 on qualifying purchases in the first 90 days and maintaining the card for 15 months.
- Enjoy 0% foreign transaction fees on international and online buys, plus free overseas travel insurance for added peace of mind on trips.
- Transfer your existing balance at 0% interest for the first 6 months, though there's a one-time 1% fee attached.
- Earn 2 More Rewards points per $1 spent on eligible purchases, redeemable through the More Rewards program for cashback, gift cards, merchandise, or even travel-related vouchers like flights and hotels (note: no direct transfers to airline frequent flyer programs).
- Tailored for those with higher spending habits who value rewards and travel benefits without the hassle of currency conversion costs.
Pros and cons
Pros
Cons
About this credit card
Basics
Card usage
Apple Pay Enabled
Yes
Card Type
Mastercard
Gambling Transactions Allowed
No
Samsung Pay Enabled
Yes
Eligibility
Joint Application Accepted
No
Minimum Age
18 years
Minimum Credit Rating
Below Average, Fair, Good, Very Good, Excellent
Minimum Income
N/A
Temporary Residents Accepted
No
Additional cardholders
Additional Cardholders
3
Additional Card Fee Ongoing
$0.00
Credit limits
Minimum Credit Limit
$6,000.00
Maximum Credit Limit
N/A
Repayments
Interest Charged From
Purchase date
Interest Free Period
Up to 44 days on purchases
Minimum Repayment Percentage
2%
Balance transfers
Balance transfer offer
Balance Transfer Rate
0%
Balance Transfer Period
6 months
Balance Transfer Fee Percentage
1%
Balance transfer conditions
Balance Transfer From Personal Loan
No
Balance Transfer Limit Percentage
95%
Balance Transfer Revert Rate
19.99%
Rates, fees, charges
Cash advances
Cash Advance Rate
21.99% p.a.
Cash Advance Fee
$4.00
Cash Advance Fee Percentage
3%
Cash Advance Fee Threshold
N/A
Purchases
Purchase Rate Introductory Offer
N/A
Purchase Rate Introductory Period
N/A
Purchase Rate Ongoing
19.99% p.a.
Account fees
Annual Fee Initial Year
N/A
Annual Fee Ongoing
$160.00
Dishonour Fee
$0.00
Duplicate Statement Fee
$1.25
Foreign Exchange Fee Percentage
N/A
Late Payment Fee
$25.00
Rewards
Rewards program basics
Rewards Program
Bankwest More Rewards
Rewards Program Annual Fee Initial Year
N/A
Rewards Points Expiry
N/A
Rewards points per $1 spent
Domestic Rewards Points Earn Rate
2.00
Government Rewards Points Earn Rate
N/A
Overseas Rewards Points Earn Rate
2.00
Additional perks
Insurance
Cardholder's Domestic Hotel Burglary Insurance
No
Cardholder's Extended Warranty Insurance
Yes
Cardholder's International Travel Insurance
Yes
Cardholder's Interstate Flight Inconvenience
Yes
Cardholder's Personal Item Theft Cover
Yes
Cardholder's Price Protection Insurance
Yes
Cardholder's Purchase Protection Insurance
Yes
Cardholder's Refund Protection
No
Cardholder's Transport Accident Insurance
Yes
Travel and lifestyle
Airport Lounge Access Included
No
Concierge Service Included
No
Complimentary Flight Voucher Included
No
Complimentary QFF Membership Included
N/A
History
User reviews
Convenience
Customer service
Rates and fees
Rewards
Trust
Rates too high and no incentive or bonus
Reviewed by Linda
Great card if you pay on time mostly
Reviewed by Sfaws13
Bankwest appears to be the best
Reviewed by Kerri
Great for extra insurance
Reviewed by Darren
Is it really worth it?
Reviewed by I
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