Discover the Rewards and Benefits of the Bankwest More Mastercard Classic

Are you searching for a credit card that not only offers flexibility but also rewards your spending in a way that truly makes a difference? The Bankwest More Mastercard Classic is designed for those everyday purchases that add up, giving you points for each dollar spent and a range of useful features. Whether you’re after a credit card that simplifies life or one that gives back through rewards, this card could be a game-changer.

Let’s break down everything you need to know about the Bankwest More Mastercard Classic, so you can see if it’s the right fit for you, whether you’re managing daily expenses or planning a big splurge.

Why Choose the Bankwest More Mastercard Classic?

The Bankwest More Mastercard Classic is all about making everyday purchases rewarding. With 1.5 More Rewards points per $1 spent on eligible purchases, your regular spending — from your morning coffee to your weekly shop — earns you points you can redeem for a range of exciting rewards. Whether it’s cashback you’re after, or perhaps digital gift cards for your favourite retailers, the redemption options are flexible and fit into your lifestyle seamlessly.

And the best part? You can rack up to 150,000 More Rewards points every year, making it ideal for those who want to make the most out of their credit card without the confusion that often comes with reward schemes. There are no hoops to jump through — you simply use your card for the things you already buy, and the rewards take care of themselves.

On top of that, the card offers up to 44 interest-free days on purchases, giving you plenty of time to pay off your balance without racking up any interest. If you’re someone who likes to stay on top of your finances, this feature adds a solid layer of flexibility.

Weighing the Pros and Cons

Before you decide to apply, it’s worth thinking about whether this card ticks all your boxes. The annual fee of $100 is pretty reasonable for a rewards card in this category, but it’s essential to consider if your spending habits will allow you to benefit from the rewards to offset the cost.

The purchase interest rate is 19.99% p.a., which, while competitive for a rewards card, could still catch you out if you’re the type to carry a balance. If you can pay off your balance in full each month, this won’t be an issue, but if not, it’s something to consider carefully.

For cash advances, you’re looking at a hefty 21.99% p.a., along with a 3% fee or $4 — whichever is higher. So, it’s best to avoid cash advances unless absolutely necessary, as these can become quite costly.

Shopping overseas or through international online stores? The foreign transaction fee sits at 2.95%, which is pretty standard but something to keep in mind if you’re a frequent traveller or love international shopping.

Basic Requirements to Apply

If the Bankwest More Mastercard Classic sounds like a good fit for you, let’s talk about what you’ll need to qualify. Thankfully, the eligibility criteria are quite straightforward:

1. Age: You must be 18 years or older.
2. Residency: You’ll need to be an Australian citizen or permanent resident.
3. Credit History: A strong credit history is essential. If you’ve been good with your credit in the past, this will work in your favour.
4. Income: While Bankwest doesn’t specifically state a minimum income, a stable income will be key to securing approval for this card.

Meeting these requirements? Great! You’re one step closer to getting the rewards you deserve.

Fees and Rates Explained

No one likes hidden fees, so let’s go over the costs associated with the Bankwest More Mastercard Classic. Here’s a detailed breakdown of the fees and rates:

• Annual Fee: $100
• Purchase Rate: 19.99% p.a.
• Cash Advance Rate: 21.99% p.a.
• Balance Transfer Intro Rate: 0% p.a. for 6 months (1% balance transfer fee applies)
• Ongoing Balance Transfer Rate: 19.99% p.a.
• Foreign Transaction Fee: 2.95% of the transaction amount
• Cash Advance Fee: 3% of the transaction or $4, whichever is higher
• Interest-Free Days: Up to 44 days on eligible purchases

These fees are standard for a rewards card with plenty of perks, but it’s always worth running the numbers based on your own spending habits to ensure the card is a good match.

Step-by-Step: How to Apply for the Bankwest More Mastercard Classic

So, you’ve decided to apply for the Bankwest More Mastercard Classic? Good choice! Here’s a simple step-by-step guide to help you through the process:

• Go to the Bankwest Website: Head over to the Bankwest More Mastercard Classic page.

• Click “Apply Now”: You’ll be directed to the online application form.
• Fill in Your Details: You’ll need to provide personal details, including your name, address, employment information, and financial details like your income and expenses.
• Submit Your Application: Once you’ve completed the form, submit it and wait for Bankwest to review your application.
• Instant Decision: In many cases, you’ll receive an instant decision. If approved, you’ll be able to start using your digital card right away while you wait for your physical card to arrive.

With such a straightforward process, you’ll be earning points in no time. Plus, starting with a digital card means no waiting around to make purchases.

How to Get in Touch with Bankwest

If you have questions or need help during your application process, Bankwest provides several ways to get in touch:

• Phone: Call 13 17 19 within Australia for customer support.
• Online Enquiry: Visit the Bankwest website and use their Contact Us page to submit an enquiry.
• In-Person: You can also visit a local Bankwest branch for face-to-face assistance.

Frequently Asked Questions

Here are a few common questions Australians often have about the Bankwest More Mastercard Classic:

1. Can I use my Bankwest More Mastercard Classic internationally?
Yes, you can use the card anywhere Mastercard is accepted. Keep in mind, though, that there’s a 2.95% foreign transaction fee for purchases made overseas or in foreign currency.

2. How do I earn More Rewards points?
For every dollar you spend on eligible purchases, you’ll earn 1.5 More Rewards points. You can earn up to 150,000 points per year, which can be redeemed for cashback, gift cards, and more.

3. What’s the minimum credit limit?
The minimum credit limit for the Bankwest More Mastercard Classic is $1,000.

4. How quickly can I start using the card after approval?
If approved, you’ll receive a digital version of your card straight away, so you can start spending before the physical card arrives.

Final Thoughts: Is the Bankwest More Mastercard Classic Right for You?

The Bankwest More Mastercard Classic is a fantastic option for Aussies looking for a card that rewards their everyday spending. Whether you’re grabbing a coffee on your way to work, doing the weekly grocery run, or planning a larger purchase, this card ensures you earn points while keeping fees manageable.

With a reasonable annual fee, a solid rewards program, and the flexibility of interest-free days, it’s a great choice for those who can stay on top of their balances. However, if you tend to carry a balance, be mindful of the purchase interest rate and cash advance fees — they can add up.

At the end of the day, the Bankwest More Mastercard Classic is all about making life a little easier and a lot more rewarding.