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Bankwest - More Classic Mastercard

The More Classic credit card is a rewards card that earns points on everyday purchases, at a rate of 1.5 points per dollar spent. There is an initial balance transfer rate of 0% for 6 months, where a balance transfer fee of 1% applies. After this time the rate is 19.99% p.a..

The More Classic credit card has a purchase rate of 19.99% p.a. and up to 44 days interest-free on purchases. The international transaction fee is 2.95%.

Compare Credit CardsProduct Image For Bankwest - More Classic Mastercard
There is an introductory balance transfer rate of 0% for 6 months, reverts to 19.99% p.a..
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Annual Fee

$100 per year

Balance Transfer

0% for 6 months reverts to 19.99% p.a.
1% BT fee applies.

Purchase Rate

19.99% p.a.

Interest Free Period

up to 44 days
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Details

Card Type
Mastercard
Minimum Repayment
2% or $20
per statement, whichever is greater
Interest Free Period
up to 44
days
Minimum Credit Limit
$1,000

Fees

Annual Fee
$100
per year
Late Payment Fee
$25
per statement
Cash Advance Fee
3% or $4
per transaction, whichever is greater
Additional Card Holder Fee
$0
Additional Card Holder Cap
up to 3
additional holders

Rates

Purchase Rate
19.99% p.a.
Cash Advance Rate
21.99% p.a.

Balance Transfer

Balance Transfer
0% for 6 months
reverts to 19.99% p.a.
1% BT fee applies.
Balance Transfer Limit
95%
of credit limit
Balance Transfer Fee
1%
per transaction

Overseas Spending

Foreign Currency Conversion Fee
2.95%
per transaction

Eligibility

Minimum Age
18
years old
Temporary Residents
No
Joint Application
No

Rewards

Program
Bankwest More Rewards
Types
Gift Card, Cashback

Reward Rates

Rewards Rate One
1.5 point(s) per AUD$1
On eligible purchases up to 150,000 point(s) per year

Perks

Complimentary Travel Insurance
No
Airport Lounge Access
No

Who is the product designed for?

These customers are likely to have the following objectives, needs, financial situation and must meet the eligibility criteria for this product:

Objectives & needs

  • Require a revolving credit facility with a convenient way to make payments and access cash by using the card attached to the facility
  • Ability to earn rewards points when spending on their card
  • Access to interest free days
  • Access to promotional features

Financial Situation

  • meet Bankwest's credit assessment criteria which includes demonstrating the capacity to make the required repayments without substantial hardship.
  • choose a credit limit typically above $1000
  • will pay a higher interest rate when required under the card contract (compared to some other Bankwest credit cards)
  • will pay a higher annual fee (than some other Bankwest credit cards) if criteria are not met for a fee waiver

Eligibility Criteria

  • be an individual 18 years or older
  • be living in Australia as an Australian citizen or Australian permanent resident (exceptions may apply)
  • meet Bankwest's credit assessment criteria which includes demonstrating the capacity to service the credit facility

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