Credit Card Compare

Bankwest More Classic Mastercard

7 reviews
Data last updated 20 July 2026
14.99%
Purchase rate
$100
Annual fee
20,000
Bonus points

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Bankwest More Classic Mastercard card
60 second approval
You may have seen us in
The Sydney Morning HeraldNews.com.auYahoo! FinanceDaily Mail Australia

CardIQ

48Fair

Fair

Overall score, out of 100 · How this works

  • Balance transfer58
  • Low rate53
  • Rewards45
  • Sign-up bonus36

Customer reviews

3.2

Based on 7 reviews

What praise there was went to the interest rate; fees less so.

CherrilRecommends

Hassle-free, safer than cash

I always try to pay it off within the month so that there are no fees or high interest to pay. If i use the card in this way my yearly fees are waived and i never have interest to pay. So I have a card that gives instant cash in any situation, which is safer than carrying a…

PaulDoesn't recommend

It's not bad, yet not the best

The bank has been very helpful all the time. When I needed help it was easy to get via the phone.My card fees are bigger than I would like, but all in all it’s not too bad a card. It’s good not being able to overdraw, which I thought was a handy thing.

RickyDoesn't recommend

Spend a lot for average rewards

As the title suggests, you must spend a lot to get an average amount of reward points. On the positive side, the time frame for points expiration is a fairly long time. Cash back as a reward is a good bonus. There should be a card that combines rewards along with, say, Virgin…

Paul BreenRecommends

My BankWest More Mastercard is terrific!

My BankWest More MasterCard is widely accepted and easily used. Interest rate is low. Couldn’t get a better credit card. Have used it for internet purchases and am extremely happy with the security. Whenever I have had a query this is answered promptly and efficiently with a…

DottyDoesn't recommend

Fees and charges are exorbitant

Fees are way too high! I think with the profits that banks make, they are overcharging for fees on credit cards. What more can you say – the fees are exorbitant! This is really annoying me – there is no more to say! What sort of game is this? Fees are too high!

HelenRecommends

Reasonably good deal

Bankwest is a reasonably good credit card. The bank has lots of ATM’s these days but the interest rates are better elsewhere, like ANZ and Commonwealth Bank. This is mainly good for daily transactions, but I don’t spend a lot of money, otherwise i would rack up a lot of debt!

JoyDoesn't recommend

I would not recommend this bank

I’m not happy, and I would not recommend this bank to anyone the interest charged to me is too high and I have had no incentives I have never had any bonuses given to me. I would not recommend this bank. I will find another bank to offer me better.

Pros & cons

What's good

  • 20,000 bonus points to start, worth around $120 at our 0.6c-per-point valuation.
  • 6 months at 0% p.a. on balance transfers, shorter than the 12-month median (1% transfer fee, reverts to 14.99% p.a.).
  • The 14.99% p.a. purchase rate is below the 18.99% p.a. market median.
  • Earns cashback on eligible spending.
  • 2.95% foreign transaction fee, below the 3% most cards charge.

Worth noting

  • The $100 annual fee is high for a Standard card, where the typical fee is about $50.
  • Points earning is capped at 150,000 points a year.
  • Up to 44 interest-free days on purchases (below the 55-day median).

Card details

The basics

Additional cardholder fee
$0 p.a.
Card tier
Standard
Card type
Mastercard
Card use
Personal
Credit limit
$1,000 – $100,000
Credit rating
Good
Rewards program
Bankwest More Rewards Program

Eligibility

Instant approval
Yes (response in ~60 seconds)
Joint application
No
Minimum age
18 years old
Minimum income
Not specified
Residency
Australian citizen or permanent resident
Temporary residents
Not eligible

Rates & fees

Ongoing interest rates

Cash advances
21.99% p.a.
Purchases
14.99% p.a.

Fees

Additional cardholder fee
$0
Annual fee
$100 p.a.
Cash advance fee
3% of the amount
Foreign transaction fee
2.95%
Late payment fee
$25

Repayments

Interest-free period
Up to 44 days on purchases
Minimum repayment
2% of the closing balance or $20, whichever is greater

Balance transfers

Can't transfer from
Bankwest, Commonwealth Bank
Limit
Up to your available credit limit
Period
6 months
Promotional rate
0% p.a.
Revert rate
14.99% p.a.
Transfer fee
1%

While you carry a transferred balance you may not receive interest-free days on new purchases.

Introductory purchase offer

This card has no introductory purchase rate offer. If you're carrying a balance or planning a big spend, compare 0% purchase cards.

Rewards

Earn rate

Everyday spend
1.5 pts per $1
Bonus categories
None
Other purchases
None
Overseas spend
None
ATO/government
None
Reduced rate above monthly cap
None
Points cap
Maximum 150,000 points per year
Points expiry
Points don't expire while your account is open and in order.

Sign-up bonus

Bonus spend required
—
Sign-up bonus
20,000 points

Where this card sits vs similar cards

Compared with every other personal credit card we list that has the feature. The further right the dot, the better this card does.

Overseas fee2.95%Top 25% (49th of 200 cards)
Purchase rate14.99%Middle of the market (80th of 196 cards)
Rewards value$324 a yearMiddle of the market (45th of 95 cards)
Annual fee$100 a yearMiddle of the market (118th of 200 cards)
Interest-free days44 daysNot as good as most cards (141st of 192 cards)
Balance transfer0% for 6 monthsNot as good as most cards (47th of 61 cards)
Sign-up bonus$120Among the weakest we track (58th of 59 cards)

Data as at August 2026. Rates change often, so check the issuer's terms. Factual information, not a recommendation.

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Questions and answers

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Sources

Credit Card Compare
Australian credit card statisticsHow CardIQ scores cards
Government
Product reference data (Consumer Data Right)
Issuer
Bankwest