BankwestBankwest More World Mastercard
A credit card for earning points to redeem for digital vouchers or cashback.
At a glance
- Purchase rate
- 14.99%
- Cash advance
- 21.99%
- Interest-free days
- 44
- Annual fee
- $270
- Foreign transaction fee
- 0.00%
- Rewards
- More Rewards
- Balance transfer
- 14.99%
How it compares
This credit card in ink, against the best that every other institution publishes for anyone to apply for. Each figure is counted the same way for all of them.
| Rate | This credit card | Best anywhere | Typical institution | Where it sits |
|---|---|---|---|---|
| Any credit cardOngoing purchase rate, not introductory offers | 14.99% | 7.49%Unity Bank's Low Rate Visa Credit Card | 12.49%of 51 institutions | 42nd lowest of 51, level with 2 others |
| Rewards cardOngoing purchase rate on a card that earns points | 14.99% | 12.99%Virgin Money Australia's Virgin Money Low Rate Credit Card | 20.99%of 25 institutions | 4th lowest of 25 |
| Interest-free daysDays without interest on purchases when the balance is paid in full | 44 days | 62 daysBeyond Bank Australia's Low Rate Credit Card | 55 daysof 42 institutions | 37th longest of 42, level with 4 others |
Rates
Every rate Bankwest publishes for this credit card, 4 in all.
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Balance transferThe rate you'll pay on balance transfers after any introductory period. | - | - | - | 14.99% | - | - |
| Cash advanceThe rate you'll pay on any cash advances, including when you withdraw cash | - | - | - | 21.99% | - | - |
| Introductory0% p.a. for 6 months on balance transfers after your Card is approved. After the intro period, the ongoing balance transfer rate applies. Limited time for new More Mastercard customers only. Minimum… | - | 6 mo intro | - | 0.00% | - | Only available to new Bankwest More Mastercard customers. Excludes product transfers from existing Bankwest credit cards. |
| PurchaseThe rate you'll pay on purchases if you're not eligible for an interest free period. | - | - | - | 14.99% | - | - |
Fees
10 fees published, grouped by when they're charged.
While you hold it2
- Annual Fee
Payable when the Card Account is opened and in advance on each anniversary of Card Account opening. No credit card annual fee applies when the card is taken out as an eligible card with the Complete Home Loan Package.
$270 a year - Paper Statement Fee
Payable for each paper Card Account Statement sent to you. Fee is waived if opted-in to e-statements.
$1.25 a month
When you make a transaction2
- Cash Advance Fee
3% of transaction amount or $4 (whichever is greater). Payable for transactions that the annual cash advance percentage rate applies to.
3.00% of transaction - Foreign Transaction Fee
Foreign transactions are transaction occurring outside of Australia whether in foreign currency or Australian dollars including if you are in Australia (for example, online) where the merchant or the…
0.00% of transaction
If a payment is late or fails2
- Dishonour Fee
Payable each time a periodical payment or a cheque deposit to your Card Account is dishonoured
No fee - Late Payment Administration Fee
Payable for each statement period that the minimum payment is not processed to your card account by the due date. This includes any amount shown on your card account statement as amount due immediate…
$25 1 days after it's due
When particular things happen4
- Balance Transfer Fee
Charged as a % of the total balance transfer transaction amount. Payable for each transaction that the introductory balance transfer percentage rate applies to.
1.00% of transaction - Customer Trace Fee
Payable each time we have to locate you during the period that you're in default under the card contract.
$10 - Over the Limit Fee
Payable for each statement period that you exceed your credit limit. This fee only applies to accounts opened and activated before July 2012, where over limit consent has been provided.
$10capped at $10 a month - Credit Card Replacement Fee
Payable on reissue of a lost credit card over the entitled two free reissues per Card Account per calendar year. This fee does not apply to stolen cards when Bankwest is advised of the police report…
$25
Features
- You can bank over the phone.
- No foreign transaction fees or overseas ATM fees apply.
Eligibility and limits
- Minimum age 18
- Residency: Australian citizen or Australian permanent resident
- Available to individuals
- Amount from $6,000, no maximum
- Customers must meet Bankwest's credit assessment criteria, which includes demonstrating the capacity to service the credit facility.
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Published by Bankwest under the Consumer Data Right, last changed by them on 9 Oct 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.