Bankwest More Platinum Mastercard

Rates and fees information correct as at 7 September 2024. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.

What your points get you

Fly Sydney to London return

Fly Sydney to Melbourne one-way

$100 Giftcard

$100 Cash

Points earning

2 points per dollar on Mastercard, up to 400000 points per year

Rewards scheme

Redeem your points for cashback, gift cards, retail rewards and shopping gift cards.

Rewards are redeemed via Flight Centre vouchers.

Bonus points available from selected partner merchants.

Value of rewards points

Spend $22,500 (Mastercard)

Spend $22,500 (Mastercard)

Spend $29,250 (Mastercard)

Spend $348,750 (Mastercard)

at 400,000 points yearly

How do we calculate the rewards?

To work out the "Rewards value minus fees" in our Rewards Revealer we:

• calculate how many points you'd get each year,
• figure out how many flights or gift cards or cashback credits you could get for those points,
• work out what that's actually worth to you,
• take off the annual fee you'd pay.

• Our calculations are designed to help you compare the value of different rewards schemes. To do this, we've looked at earning a one-way Sydney-Melbourne flight excluding taxes and charges, a return Sydney-London flight excluding taxes and charges, a $100 shopping Gift Card and $100 cashback. Most cards will also offer other rewards, which may be worth more or less than the ones we've shown.
• We have made no allowance for bonus points for using your card at specific merchants, introductory offers or special offers. We have not assigned any value to instant discounts, insurances, ticketing and concierge services or other such benefits.
• Rewards value calculations do not take credit card interest into account. If you do not pay off your card each month you may be better off looking for a card based on interest rates than on the value of rewards.
• In products that have more than one card, a different mix of spend between American Express / Visa / Mastercard will give different results. Mozo's Rewards Revealer lets you choose the mix based on the way you would use such a product, and gives you tailored results.
• We assume flights purchased with airline points are 'classic' or 'reward' economy seats with restricted seat availability. 'Any seat' rewards will probably cost more.
• To compare the value of flight rewards, we sample online retail flight prices once a quarter based on the average price on a Wednesday 3 months in advance but outside NSW school holidays. For domestic flights we take the lowest available fare from each flight on that day from Qantas Red e-deal, Virgin Australia Saver including baggage and Jetstar Starter including baggage. We calculate the average price excluding taxes and surcharges for each airline, and also the average across all airlines (which we use when rewards are travel agent vouchers). For international flights, we take the lowest available fares on that same Wednesday from each of Qantas, Emirates, Malaysian, Etihad, Singapore, Cathay Pacific and Thai, assuming a return flight 2 weeks later, calculate the average price before taxes and surcharges and use this as our assumed cost of a flight on any airline.
• Shopping rewards are based on $100 gift cards from a major national department store.
• We make every effort to ensure our calculations are correct and up to date but make no guarantees.

Rate and fee details

Rates

0% p.a. for 6 months and then 19.99% p.a. (1.00% balance transfer fee)

Fees

Features

Payment options

Apple Pay, Google Wallet

Rewards privileges

Extended Warranty,
Purchase Protection,
Overseas Travel Insurance

Other benefits

Set up Easy Instalments purchase plans to spread the cost of up to 5 eligible purchases over 4 monthly instalments at 0% p.a.

Customer Reviews

How are Bankwest credit cards rated by the Mozo community?

Overall

Based on 1084 Bankwest credit card reviews as rated by the Mozo customers. More about the Mozo Customer Ratings.
Mozo recommends that ratings are only one factor to be taken into account when deciding whether to take up any financial product offer.

Latest reviews of Bankwest More Platinum Mastercard Credit Card

Easy to deal with

poor phone service

on hold for hours to report a lost card. when finally answered got transferred again. in the end they wanted me to go to a post office to verify my information!! so i will pay the account out and out and put it in a credit balance so they will have to pay me interest Read full review

on hold for hours to report a lost card. when finally answered got transferred again. in the end they wanted me to go to a post office to verify my information!! so i will pay the account out and out and put it in a credit balance so they will have to pay me interest

Hard to find a branch. Problems not easily resolve

Have our credit card and home loan with them.

Bankwest is available to take calls 24/7 and are always courteous when I have needed to talk to them. Read full review

Bankwest is available to take calls 24/7 and are always courteous when I have needed to talk to them.

No fees.

About Bankwest

Bankwest is all about making your finances simple. Originally from Western Australia, Bankwest has attracted thousands of customers around the country with its competitively priced products such as the Hero Saver. In late 2008 the bank was bought by the Commonwealth Bank, which has promised to retain the Bankwest brand. So if you like the sound of simple banking, check out Bankwest's range of personal banking products including savings accounts, bank accounts, credit cards, home loans and more.

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0% p.a. for 6 months and then 22.24% p.a.

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Virgin Money

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0% p.a. for 24 months and then 20.99% p.a.

$149 $0 in the first year

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Bankwest

0% p.a. for 6 months and then 19.99% p.a. (1.00% balance transfer fee)

Bankwest More Rewards

NAB

0% p.a. for 28 months and then 21.74% p.a. (2.00% balance transfer fee)

$59 $0 in the first year

American Express

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No current offer

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0% p.a. for 12 months and then 25.99% p.a. (2.00% balance transfer fee)

Australian Unity

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0% p.a. for 6 months and then 8.99% p.a.

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NAB

0% p.a. for 28 months and then 21.74% p.a. (2.00% balance transfer fee)

$59 $0 in the first year

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No current offer

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0% p.a. for 15 months then 21.49% p.a.

0% p.a. for 15 months and then 22.24% p.a.

Citi

Clear Credit Card - BT Offer

0% p.a. for 24 months and then 22.24% p.a. (1.50% balance transfer fee)

$99 $49 in the first year

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0% p.a. for 12 months and then 25.99% p.a. (2.00% balance transfer fee)

Australian Unity

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No current offer

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Low Rate Credit Card

0% p.a. for 6 months and then 8.99% p.a.

$59 $0 in the first year

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0% p.a. for 9 months then 20.74% p.a.

0% p.a. for 9 months and then 21.74% p.a.

About Mozo’s Editorial Star Ratings

Mozo’s Editorial Star Ratings are a score out of 5 stars arrived at by the author of the review after careful consideration of a product’s rates, fees and features when compared with other products that offer similar features.

As a guide, this is how the Editorial Star Ratings should be interpreted:

Ratings are just one factor you may want to consider when choosing a financial product. Our ratings have been determined without considering your personal objectives, and a product with a high rating may not be the best one for you.

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Disclaimer

Important information on terms, conditions and sub-limits

Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.