The Bankwest More Platinum MasterCard comes with the same great features offered by the other credit cards in this range of products but at a completely new level. For example, Platinum cardholders can enjoy all the benefits of the attached rewards programs but at a higher level.

Instead of the 1.5 More Rewards points per dollar spent other cardholders can earn, with the Bankwest More Platinum MasterCard, customers can earn 2 points per dollar they spend. In terms of the Qantas Frequent Flyer rewards program, you won’t be earning 1 point for every $2 you charge to your card, but 1 point per dollar, making it an incredibly attractive card.

Not only that, but if you qualify for the Bankwest More Platinum MasterCard and make an eligible purchase within the first 2 months of becoming a customer, you receive an amazing bonus of 45,000 More Rewards points, instead of the 15,000 offered to Classic cardholders or 30,000 offered to Gold cardholders. If you opt for the Qantas Frequent Flyer rewards program instead, you still get an amazing bonus of 22,500 points, but you will still be paying the same fee of $30 per year.

With such great point-earning opportunities, you’ll be surprised at how fast all those points add up. You’ll be browsing the more than 3,000 rewards available pretty soon to pick out a few that you like. And if you decided to go with the Qantas Frequent Flyer rewards program, which is the best choice for people who travel often, you’ll be able to access a wide range of discounts and freebies that will make travelling much more comfortable and certainly cheaper.

Is There More?

This is a Platinum card, after all, so you would expect there to be more perks, and there are. First of all, you get a better interest rate with the Bankwest More Platinum MasterCard than other cardholders, at per annum.

Additionally, you get a higher level of insurance coverage than with the Gold card. The insurance policies available include coverage for airline travel, accidents as well as shopper’s insurance.

And what’s a Platinum card without a concierge hotline? Well, with the Bankwest More Platinum MasterCard you won’t have to find out because you get access to a 24/7 concierge hotline that will act like your personal assistant, helping you sort out the details of a wide range of services, including travel, shopping, medical and entertainment.

As Bankwest More Platinum MasterCard cardholder you are definitely in a league of your own, with all the perks and prestige that qualifying for a Platinum card offers.

Fees and Rates

You likely didn’t get to the point where you can qualify for a Platinum card without some great financial know-how, which is why you probably want to know what fees are involved. First off, you will be paying per year for the privilege of owning this card. On top of that, if you opt for the Qantas Frequent Flyer rewards program, you can tack on another $30 per annum. Of course, considering the benefits included, this is a small price to pay.

The purchase rate is , as previously mentioned, while the cash advance rate is . No matter how well-off you are from a financial viewpoint, it’s a good idea to avoid cash advances because the rate starts accruing the second the withdrawal is made.

The Bankwest More Platinum MasterCard is exactly what a Platinum card should be: a sign of prestige with excellent perks and amazing features. It’s definitely a card you want to take a closer look at if you are on the market for a new credit card.

The Bankwest More MasterCard comes with a variety of features including a great rewards program and a highly attractive balance transfer deal. Not only will you be able to take advantage of the Bankwest rewards program with this card, but you also have the option of earning Qantas Frequent Flyer points instead, if you prefer, thanks to the recent partnership between the two companies.

The Rewards Program

The Bankwest More MasterCard allows cardholders to earn at least 1.5 points per dollar charged to their card on eligible purchases, including paying bills and buying groceries. All you have to do is charge all your regular expenses to your Bankwest More MasterCard and you’ll soon accumulate plenty of points that you can exchange for any of the over 3,000 rewards the More Rewards Program offers.

To make this card even more attractive, Bankwest is offering three times the points you would normally earn if you make an eligible purchase within the first two months of receiving your Bankwest More MasterCard. This offer is valid for both Bankwest More Rewards points and Qantas Frequent Flyer points.

Note that you can opt for the Qantas version of the program by signing in to their website and selecting the More Rewards Qantas$ option. Careful, though, because there is a fee of $30 to opt in to the Qantas rewards program.

The Balance Transfer Offer

The Bankwest More MasterCard also comes with an excellent balance transfer deal. They offer balance transfer deal with a rate of , allowing you to save a lot of money while reducing your existing credit card debt. This is definitely a deal you don’t want to miss out on if you have any credit card debt you can’t seem to get rid of.

However, as with any balance transfer, you need to do your best to pay it off within the allotted time frame, or even sooner, to save as much money as possible. This is because once the 12 months are up, the rate reverts to the card’s standard purchase rate, which is per annum for Classic and Gold cards and for Platinum cards.

Rates and Fees

The purchase rate on the Bankwest More MasterCard is not necessarily the lowest on the market but the rewards program and the balance transfer deal do make the card worth considering. As long as you pay off your credit card bills in full every month, you will be able to take full advantage of the rewards program without it costing you anything.

In terms of cash advances, you can expect to pay 21.99% per annum from the moment you withdraw the money, which is why you should probably refrain unless it’s an emergency. The card comes with an annual fee of $80 for the Classic version, $120 for the Gold and $190 for the Platinum. If you opt in to the Qantas Rewards program, you can expect to pay an additional $30 per annum for the privilege.

While the Bankwest More MasterCard might not offer the most competitive rates on the market, the rewards program and balance transfer deal make it quite an attractive card. As long as you can properly manage your finances and pay off your bills in full each month, you’ll be able to earn some nice rewards without having to pay huge amounts in interest.

The premise behind any credit card reward system is always pretty simple – you spend more cash and they give you more points and the Bankwest cards work the exact same way. When you spend $1 on eligible purchases with your More MasterCard you earn 1.5 points towards a future reward – from a catalogue of almost 3,000 rewards in total.

Based on that you’re probably thinking it’s going to take forever to build up all those extra points you need (over and above the 10,000 you got at the start of course) for the really big reward you want right? But you can nominate up to 3 users for each More MasterCard so if all those people are buying their groceries, fuel and paying their bills with the card it shouldn’t take a long time to build up the points you need.

You do also have the option of opting-in to the Qantas Frequent Flyer Points program instead – especially if you wind up travelling quite a bit for work or personal reasons. Basically you get 1 Frequent Flyer point for every $2 eligible purchase that’s made with the More Gold MasterCard plus if you use your More MasterCard to book your flight you also get international travel insurance for any journey or trip lasting up to 90-days at absolutely no cost to you – another perk of being a Gold card owner.

Balance Transfer Option

Payment Protection

Gold MasterCard APR

Other Fees?

If you’ve been looking for a Gold MasterCard with a great and varied reward system then you can do an awful lot worse than signing up for the Bankwest More Gold MasterCard – the application form and 10,000 reward points is just a click away.

Bankwest Breeze Platinum MasterCard Features

A range of features, standard and more come packaged with this card when you apply. Below is a detailed overview of what to expect:

• Offering you a low 10.99%p.a. standard purchase rate (the lowest for any MasterCard in Australia).

• Save the yearly card fee of $69 by spending a minimum of $20K in the 2nd and each consecutive year thereafter.
• Kill your debt with the 5.99%p.a. balance transfer rate for 12 months.
• Shop with peace of mind thanks to the lowest price guarantee

Platinum Breeze Power

If you like to showcase your bling then you will fall in love with this card. The cool lowest price

guarantee is great for people who are stuck for time (and who isn’t these days?). When you shop with your Platinum card, then find the same product cheaper elsewhere within 21 days you get paid the difference from Bankwest.

Extra Warranty

How often have you bought something then paid extra to extend the warranty for another year or two? Most Australian shoppers spend a fortune each year falling for these traps.

As a Breeze Platinum cardholder you don’t have to suffer fools – you automatically get an extra 12 months warranty on top of the manufacturers’ warranty given to you when you buy.

Three Months of Protection

Bankwest throw in a bonus three months of protection against card theft, loss and accidental damage of the products you buy.

Up to 55 Days Interest Free on New Purchases

As with most Australian MasterCard credit cards, you benefit from up to 55 days of interest free shopping with the Bankwest Breeze Platinum. However, this deal only applies if you pay off your credit card debt each month in full.

Spend $20K per Year and Save $69

I previously mentioned that when you spend a minimum of $20,000 annually on the card you save the yearly card fee of $69.

Offering you the lowest purchase rate of any MasterCard in the country, the Bankwest Breeze Gold has a rate of 10.99%p.a.

Other Features

• If you spend a minimum of $15K in the 2nd and subsequent year you also negate the yearly card fee worth $69.
• If you’re looking to move any existing debts to the Breeze Gold card then you can do so for a low balance transfer rate.

Shop With Peace of Mind

In the event you purchase something with your new Bankwest card then find it cheaper elsewhere you can claim the difference with the bank within 21 days of making the purchase. This feature alone can save you good money, especially when you are switched on.

As a holder of a Bankwest Breeze Gold MasterCard you get up to 12 months of extra warranty on top of what the product manufacturer promises. Forget paying extra for costly upgrades

when you buy stuff at the shops with this card as this takes care of potential issues for you.

As a new card owner you also receive three free months of protection against theft, loss or accidental goods damage.

What You Need to Know Before Applying

Up to 55 Days Interest Free on New Purchases

As with many MasterCard credit cards, you get up to 55 days of interest free shopping with this card too. The key in handling the card like a pro lies in paying of any outstanding debts each month.

If you move your existing balance to the new Breeze Gold card then you should refrain from using it for new purchases. The best way to handle the balance transfer is in cutting up your new card the moment you get it. Seriously.

So when you pay your utility bills, groceries and fuel you get rewarded with $$$.

Transfer Your Balance

What Else is There to Know?

The following features give you an insight into the Breeze MasterCard from Bankwest and what

you can expect when you apply.

• Transfer your existing card debt and benefit from the balance transfer offer of then
• Standard Interest Rate of
• If you pay your full debt in full each month you can benefit from an Interest Free Period on Purchases for up to 55 days
• Annual Card Fee is $69
• Cash Advances/Withdrawals
• Apply for up to three additional cardholders
• Get 5% cashback rewards on your everyday spending habits for 12 months
• 3 months free protection against loss, theft or accidental damage of any goods you buy with your card

Lowest Purchase Rate

Usually I don’t go for these features because I always pay off my card in full each month. Trust me, it saves you a stack of dollars in the process and over the years.If you are a good money manager then you can take advantage of the up to 55 days interest free spending.

How to Save the Card Fee

As I’ve already mentioned before, if you spend a minimum of $10K per year (from year two onwards), you won’t be charged for the yearly card fee of . It’s worth considering, especially in view of using your card for all purchases. I’m sure most Australians would spend this kind of money with ease.

Bankwest Looks Out for You

When you buy stuff with your new Breeze MC you can enjoy an extra 12 months of warranty on top of what your product manufacturer already offers. So if a product has a warranty of two years you get another year on top, just by using this card to buy.

Plus you are covered with a protection insurance against accidental loss, theft and damage of goods by accident. Bankwest throws in a complimentary three months of this. And you get a lowest price guarantee. If within 21 days of making a purchase you see the same item elsewhere and cheaper you get the difference paid out to you.

The business rewards points program will give you one rewards point for every dollar you spend using the card. You are allowed up to three additional cardholders and any time they use the card for expenditures for the business the points will be added to the main account. This means that points will add up quickly and you’ll be able to use them to redeem valuable rewards.

With over 2500 different rewards to choose from, the Bankwest Business Low Rate MasterCard gives all of its customers choice. You’ll be able to choose from merchandise including magazine subscriptions, whitegoods, holidays and home theater systems to name but a few.

If you don’t have your mind on anything specific you can also choose from vouchers that are offered by major retailers. This gives you more time to shop around for the items you really want.

If saving money appeals to you, you can also opt for a cash back option. Cash will be paid back right into your Bankwest account. The more you use the Bankwest business card the more money you’ll save by using the cash back option.

Rewards are offered in the value of $10 and up to $2000 or more. You can redeem your points often to get smaller rewards or start saving up for something incredibly special.

This business card offers something that a lot of other cards do not. The points you collect don’t ever expire and there is no capping on the limit of points you are allowed to collect. This means that you do have the chance to save for a large reward, whereas you wouldn’t have the same chance with many other cards that have expiry dates and capping on the points.

Any time you redeem your points for merchandise you will not have a delivery fee to pay. Bankwest wants you to enjoy your rewards without the hassle of making an extra payment for shipping charges. When you redeem your points it is a simple and easy transaction that does not pull any extra money out of your pockets at all.

Points can also be used for a voucher with Flight Centre. This voucher allows you to fly with any airline. If your business involves some travel you could really save a lot by redeeming points for free flights for business purposes. If at any time your points do not add up enough for a flight, you can pay the extra on your own using cash or your Bankwest Low Rate MasterCard for businesses.

With all of this going for it, you might expect to have high fees, charges and interest rates associated with this Bankwest business card. Thankfully, you’ll be getting all the business rewards features without having to pay a high price on rates and fees.

The annual fee on this card is a low $69 and you are allowed to add three additional cardholders for free. The fee for the reward program is set up only $79 annually and you also receive up to 45 days of interest-free shopping with your purchases.

The interest rate for purchases and balance transfers is only 7.99% for a six-month introductory period. After the six months has passed the interest rate will revert to a competitive rate of 13.59%.

Bankwest Business Low Rate MasterCard Key Features

Here are the key features you can find on this one-of-a-kind MasterCard for businesses.

• 7.99% interest rate for balance transfers and purchases for six months. The rate reverts to 13.59% after the six months has passed.
• $39 annual fee.
• Up to three additional cardholders can be added at no cost.
• Up to 45 days of interest free shopping for purchases.
• The points never expire.
• There is no capping on the points.
• Receive one rewards points for each dollar you spend and enjoy more than 2500 rewards to choose from.
• Have your credit card personalized at no extra cost..
• 24/7 worldwide emergency support services available.

When it comes to business credit cards, this Bankwest Business Low Rate MasterCard has it all. It offers all the features you’d expect on a business card without high rates, fees or charges.

Two cards – your choice

When you turn to the Bankwest Corporate MasterCard you’ll be given your choice of two cards – either the Executive or Corporate card. Both cards have been designed with large businesses in mind for easy expense management. Both are flexible cards with slightly different features. You choose the one that fits your business model the best.

Executive cards

With the Executive credit card you can earn 1.5 points for every dollar you spend on the card. If $25,000 is spent with this card per year, there is no annual fee applied. If this $25,000 mark is not achieved, you will only have to pay $69 for each card as an annual fee.

Corporate cards

These cards will give you one rewards point for each dollar spent and there is no annual fee charged if an amount of $10,000 is reached on the card per year. If this amount has not been reached the annual fee is only $39 for each card issued.

Online information management system

These business cards offer you the utmost in technology for keeping track of expenditures. You can take advantage of the program Smart Data for Business that offers a management system for information that you can access online. You will also be able to manage and monitor your employee spending by using rich data. You can then make use of the reporting system that helps you get better deals through negotiations with your suppliers and clients.

Bankwest business rewards program

The Bankwest Corporate MasterCard gives you access to the business rewards program that gives you points every time you use the card. These points do not expire and you can collect an unlimited amount since they are not subject to capping at all.

Watch your points add up as you switch to the Bankwest Corporate MasterCard for your business expenditures. With you using the card for expenses, and three additional employees using it as well, it won’t take long to save up for large rewards. These rewards range from $20 in value all the way up to $2000.

Once you’ve saved up some points you’ll be able to redeemed them from your choice of 2500 different products. If you would rather use your points for a free flight for either business or personal reasons, you can turn your points into a voucher from Flight Centre to fly with any airline.

If you’re not interested in merchandise or a flight you can also choose to redeem your points for a voucher from a major retailer. As if that’s not enough, you can also choose to get paid cash back directly into your account with Bankwest. With all this variety, no wonder so many Corporate executives are picking the Bankwest Corporate MasterCard as their card of choice for running a large business.

Key Features of the Bankwest Corporate MasterCard

Here are some of the key features this Bankwest MasterCard provides for large businesses.

• 17.99% rate of interest.
• Up to 50 days of interest-free shopping for purchases.
• $99 facility fee paid annually.
• Card limits can be set for each individual cardholder.
• Card personalization is done for free.
• Complementary liability insurance in case a card is misused by an employee.
• Support service is offered worldwide 24/7.
• Access to Smart Data for Business for easier financial management.
• Wide variety of rewards to choose from.
• Receive one point for every dollar spent with the Corporate card and 1.5 points for each dollar spent with the Executive card.
• Rewards points are unlimited and do not expire.

By using this incredible Corporate card that is designed for a large business model you’ll have more control over your employees’ spending habits and be able to set limits for purchasing. Now is the time to get started with a large business card that rewards you for making the business purchases you would have to make anyway.

Bankwest Internet banking

There are a lot of different things you can do when you sign up for Bankwest Internet banking that will save you the hassle of visiting your branch every time you need to make a transaction. Here are some of the tasks you can perform when you do online banking with Bankwest.

Get information about your account

• Pull up account statements from the past to print or view.
• See all your account balances on one page.
• Download or print tax information from the previous seven years.
• Search for transactions that can then be printed out. You can also export these transaction records to an accounting computer application for your convenience.

Make transfers and payments

• With a few simple clicks of the mouse you can transfer funds between any of your Bankwest accounts.
• Use the BPay system to pay bills to over 16,000 organizations or companies.
• Identify any payments easily by giving unique descriptions and account names to any payments you make.
• Find out what payments you have ordered during the past year on your account and it does not matter whether or not they were initiated successfully.
• Use the link titled “Pay Anyone” to send money to anyone in Australia using their account and BSB numbers.

Miscellaneous services

• You can update your personal information using Bankwest Internet banking including your contact and address details.
• Send e-mails using a secure email delivery system.
• Get an overview of all the banking actions you have performed online using the activity report menu.

You can feel secure and confident using Bankwest Internet banking because you’re covered against fraudulent activity with a No Loss Security Guarantee as long as you have complied with the disclosure statement provided for online banking with Bankwest.

Bankwest Internet banking is an easy and secure way to do many of your banking transactions. If you haven’t signed up for online banking yet, sign up now and see for yourself why so many others bank this way.

Apply for a Bankwest credit card

Before making an application for a Bankwest credit card you should make sure that you are eligible. The requirements for owning a card are: you must be a citizen or a permanent resident and be at least 18 years of age.

Information required

When you apply for a Bankwest credit card it will only take about 10 minutes to fill out the application online as long as you have the following details available.

• Any loans you have on a home or car, any store or credit card debts and any other liabilities you may have.
• Savings and investments, assets and any other income details.
• The credit limits you have been assigned on others store or credit cards.
• Both you and your partner’s gross annually income.

If you want to transfer a balance from another card when you apply for a Bankwest credit card there is a spot on the application form that needs to be filled out. You will have to provide the details of your other credit card including the account name, number and how much you want to transfer. You will also need to provide contact details so that confirmation can be sent by Bankwest when the process had been completed.

Bankwest can send you the account Authority and Interest Rate Schedule, Product Disclosure Statement and Identification Check Form in the mail or you can print it out yourself to send to Bankwest. This is required by the government of Australia.

A personal bank account will also need to be linked to your credit card with Bankwest. This bank account must be in the same name as the one that appears on the application form and must be the one that you use to make transactions with.

How to fill out the application

When you apply for a Bankwest credit card it only takes five steps and then you’re done.

• There is a box that you need to tick to accept agreements and to give Bankwest permission to carry out any necessary checks.
• Fill out your personal details.
• Fill out your financial details and let them know how your account is to be set up.
• Confirm your details and hit submit.
• Receive a response immediately along with your own unique reference number.

If you want to apply for a Bankwest credit card online you should know that your details are kept secure and it is completely safe to do so. It only takes a few minutes to complete the application, and if you need a credit card right away, the sooner you apply the sooner you will receive it.