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Bankwest More World Mastercard

Name: Bankwest More World Mastercard
Brand: Bankwest
Rating: 3.5 (4 reviews)

3.5

Balance transfer

6 months at 0% p.a.

Purchase rate

19.99% p.a. ongoing

Interest-free days

Up to 44 days on purchases

Annual fee

$270.00 p.a. ongoing

Highlights

Earn 2.5 points for every dollar you spend on eligible purchases to build rewards fast.
Shop online or overseas without foreign transaction fees, which makes this card ideal for travel and global buys.
Relax with 10 LoungeKey airport lounge passes each year at more than 1,300 lounges around the world.
You also get free overseas travel insurance as part of the package.

Pros and cons

Pros

Earn rewards with no yearly cap.
Transfer balances at 0% interest p.a for 6 months, with a 1% fee, then it reverts to 19.99% p.a.
Add up to 3 extra cards at no extra cost.
Enjoy up to 44 days interest-free on purchases.
Start with a credit limit from $12,000.
Spread up to 5 purchases over 4 monthly payments at 0% interest with Easy Instalment Plans.

Cons

No bonus when you sign up.
Balance transfers incur a 1% fee.
You pay an annual fee of $270 p.a.

About this credit card

Basics

Card usage

Apple Pay Enabled

Yes

Card Type

Mastercard

Gambling Transactions Allowed

Samsung Pay Enabled

Yes

Eligibility

Joint Application Accepted

Minimum Age

18 years

Minimum Credit Rating

Below Average, Fair, Good, Very Good, Excellent

Minimum Income

N/A

Temporary Residents Accepted

Additional cardholders

Additional Cardholders

Additional Card Fee Ongoing

$0.00

Credit limits

Minimum Credit Limit

$12,000.00

Maximum Credit Limit

N/A

Repayments

Interest Charged From

Purchase date

Interest Free Period

Up to 44 days on purchases

Minimum Repayment Percentage

Balance transfers

Balance transfer offer

Balance Transfer Rate

Balance Transfer Period

6 months

Balance Transfer Fee Percentage

Balance transfer conditions

Balance Transfer From Personal Loan

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

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

$270.00

Dishonour Fee

$0.00

Duplicate Statement Fee

$1.25

Foreign Exchange Fee Percentage

Late Payment Fee

$25.00

Rewards

Rewards program basics

Rewards Program

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

2.50

Government Rewards Points Earn Rate

N/A

Overseas Rewards Points Earn Rate

2.50

Additional perks

Insurance

Cardholder's Domestic Hotel Burglary Insurance

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

Cardholder's Transport Accident Insurance

Yes

Travel and lifestyle

Airport Lounge Access Included

Yes

Concierge Service Included

Complimentary Flight Voucher Included

Complimentary QFF Membership Included

N/A

History

User reviews

Convenience

Customer service

Rates and fees

Rewards

Trust

Best credit card ever

Reviewed by Cheryl E

Best of the many I've tried

Reviewed by Glad to show my hand

Bankwest are great

Reviewed by Ariane

Great gold card

Reviewed by Doug

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