Credit Card Compare

Bankwest More World Mastercard

4 reviews
Data last updated 20 July 2026
14.99%
Purchase rate
$270
Annual fee
50,000
Bonus points

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

CardIQ

54Fair

Fair

Overall score, out of 100 · How this works

  • Balance transfer54
  • Low rate34
  • No foreign fee64
  • Rewards54
  • Sign-up bonus49
  • Travel68

Customer reviews

4.0

Based on 4 reviews

Reviewers kept coming back to rewards.

DougRecommends

Great gold card

Not only do I enjoy great rewards, but the card is accepted everywhere. If anything happens the bank ring you to check, like, for example, if something was purchased overseas or for a large amount. A great card with great service.

ArianeRecommends

Bankwest are great

This credit card is fabulous and I never have had any problems wit it. The fee is reasonable and it is accepted everywhere I go. The rewards program is good and they have plenty of rewards from gift cards to appliances. Rewards are delivered promptly too with no delivery fees,…

Glad to show my handRecommends

Best of the many I've tried

I like the points system that encourages you to utilize the card for everything. Since having the card we’ve benefited greatly from the points accumulation and redeemed them for all sorts of things (petrol, gifts, vouchers and utensils). The only downside is that the petrol…

Cheryl ERecommends

Best credit card ever

I love this credit card because there is no annual fee and about 60 days interest free. BankWest always has the best products and their customer service is excellent. Have had other cards, but this is the best one for people who want to save money. Top class credit card.

Pros & cons

What's good

  • 50,000 bonus points to start, worth around $300 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.
  • No foreign transaction fee on overseas or online spending.

Worth noting

  • The $270 annual fee is high for a Standard card, where the typical fee is about $50.
  • Requires a minimum income of $76,000 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
$12,000 – $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
$76,000 p.a.
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
$270 p.a.
Cash advance fee
3% of the amount
Foreign transaction fee
0%
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
2.5 pts per $1
Bonus categories
None
Other purchases
None
Overseas spend
None
ATO/government
None
Reduced rate above monthly cap
None
Points cap
Uncapped
Points expiry
Points don't expire while your account is open and in order.

Sign-up bonus

Bonus spend required
—
Sign-up bonus
50,000 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 feeNo feeTied for best (1st of 200 cards)
Rewards value$540 a yearTop 10% (5th of 95 cards)
Purchase rate14.99%Middle of the market (80th of 196 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)
Annual fee$270 a yearNot as good as most cards (162nd of 200 cards)
Sign-up bonus$300Not as good as most cards (49th 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