Bankwest More Rewards
Got a Bankwest rewards credit card? Here’s how you can earn points and use them for cashback or gift cards.
Bankwest More Rewards gives you a way to earn points on your credit card spending and overall account. You can redeem these points for cashback or a range of digital gift cards.
Bankwest isn't the only bank that has its own credit card rewards program, so here we'll go through exactly how it works to help you compare it to other options. And if you already have a Bankwest More Rewards credit card, we'll take you through how to get value from it.
How to earn Bankwest More Rewards points
When you have a Bankwest More credit card, you'll earn reward points per $1 on your eligible spending. Here are the key details for different cards.
| Credit Card | Earn rate | Points cap per year |
|---|---|---|
| Bankwest More Classic Mastercard | 1.5 points per $1 on eligible spending | 150,000 |
| Bankwest More Platinum Mastercard | 2 points per $1 on eligible spending | 400,000 |
| Bankwest More World Mastercard | 2.5 points per $1 on eligible spending | Uncapped |
What counts as "eligible spending"?
Most everyday transactions are eligible to earn points, including dining out, petrol and shopping for clothes or at the supermarket. Transactions that don't earn points are less common and usually have a financial aspect to them. This includes BPAY payments, cash advances, balance transfers, credit card rates and fee costs, any refunded transactions and government charges.
Introductory bonus point offers
If you don't have a Bankwest credit card at the moment, you could kick-start your rewards balance with an introductory bonus points offer. When these deals are available, they usually give new cardholders thousands of bonus points for meeting a spend requirement. For example, 80,000 bonus points when you spend $4,000 in the first 3 months.
As with most rewards cards, the bonus point offers on Bankwest More credit cards are only available for a limited time, so check before you apply to see if there's a deal that you want.
What rewards can you get with Bankwest points?
Rewards are how you'll get value out of this loyalty program, and you can start redeeming them once you have spent at least $1,500 and had your Bankwest More credit card for at least 60 days. In general, the more points you have, the bigger the rewards.
Right now, you can only redeem your Bankwest More Rewards points for cashback or a choice of gift cards. Bankwest does not publicly list details of how many points you need or the gift cards available, so if you have a Bankwest More card, log in to view details.
How much are Bankwest More Rewards points worth?
There's no fixed value for Bankwest More Rewards points because the dollar value is different between rewards. This is the case for most reward programs that give you more than one way to redeem points.
Currently, the Bankwest More Rewards website also doesn't list any details of rewards unless you log in. But you can get an idea of how much value points offer using Finder's points value calculator.
You can also use our guide to calculating the values of rewards points as a cheat sheet.
How to get the most value from the Bankwest More Rewards program
Always choose rewards that you want or need so you can at least save some cash. If there's nothing you want, just keep saving up points.
There is also a sale section on the Bankwest More Rewards website, where you'll find items that cost fewer points than before. Like retail sales, these deals are for a limited time – and can help you get more value for your points.
How to redeem Bankwest More Rewards points
You can use your points to get rewards online in just a few steps:
- Go to www.bankwestmorerewards.com.au and log in using your account details. You can also access More Rewards by logging into your account online or through the Bankwest app and navigating to More Rewards.
- Search rewards and select the one you want.
- Check you have enough points for the reward, then follow the prompts to redeem it.
You can also redeem points by calling Bankwest on 13 17 19 (personal cards).
How to decide if the Bankwest More Rewards program is worth it for you
There's always a chance that a reward credit card's costs will outweigh any value you get from them. So here's what to think about before you apply.
- Look at the cost of the card. The annual fee and the interest rate for purchases are the key costs. Ideally, you want an annual fee that is worth less than the value of your rewards.
- Ask yourself how much you'll use the card. The main way you earn points is by making eligible purchases with your credit card. And to get the anniversary bonus points on a Bankwest More credit card, you also need to meet a yearly threshold. If you don't earn enough points, getting rewards won't be worth it compared to the account costs.
- Think about whether the rewards are actually valuable to you. If you want a choice of rewards that aren't cash-based, you could compare other reward cards to help you choose one.
Bottom line? For some people, rewards are a great way to get something extra out of having a credit card. But other people will find that money-saving features actually give them more value.
Frequently asked questions
More resources on Finder
More guides on Finder
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Bankwest More World Mastercard
Earn reward points as you spend, plus benefit from complimentary overseas travel insurance and 10 yearly airport lounge visits with the Bankwest More World Mastercard.
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Bankwest Qantas World Mastercard
Compare the features and costs of this card, including uncapped points for everyday spending, 0% foreign transaction fees on overseas and online purchases plus complimentary insurance covers.
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Bankwest Breeze Classic Mastercard
This simple, low-cost card currently has a 0% p.a. balance transfer offer for 24 months. Check out its other features now.
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Bankwest credit card complimentary travel insurance
If you don’t want to pay for travel insurance, here’s what you’ll get with a Bankwest credit card offering complimentary insurance.
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Bankwest Qantas Platinum Mastercard
Earn Qantas Points as you spend and pay no foreign transaction fees with the Bankwest Qantas Platinum Mastercard.
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Bankwest Breeze Platinum Mastercard
The Bankwest Breeze Platinum Mastercard offers 0% p.a. on balance transfers for 24 months, 0% foreign transaction fees and complimentary overseas travel insurance.
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Bankwest More Classic Mastercard
Earn points while paying a competitive annual fee of $100 with the Bankwest More Classic Mastercard.
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Bankwest More Platinum Mastercard
Get complimentary overseas travel insurance, 0% foreign transaction fees and points per $1 spent on eligible purchases with the Bankwest More Platinum Mastercard.
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Bankwest Zero Platinum Mastercard
The Bankwest Zero Platinum Mastercard has a $0 annual fee and 0% foreign transaction fees while boasting extras such as 0% purchase and balance transfer offers.
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Bankwest Zero Classic Mastercard
Compare the costs and features of the Bankwest Zero Classic Mastercard, including a balance transfer offer, a digital version of the card and Google Pay compatibility.
Ask a question
having trouble with my pan number, not sure where to find it. Thanks
Hi Di,
Finder is an independent service that offers helpful guides, comparisons and reviews. But you can call Bankwest for account support on 13 17 19. I hope this helps.
on 23/1/23 I put in a redemption for Coles e gift to value, $500, $100, $200, $20, and 26/3/23 $20. from my Bankwest More rewards.
I cannot find these digital cards anywhere.
Cheers,
carol Baggaley.
Hi Carol,
This is a review page for BankWest, we’re not directly affiliated with the bank so you’ll need to contact them directly for customer support. You can reach them at 13 17 19.
Hope this helps!
I want a Commonwealth Bank credit card
Hi Kassandra,
Thanks for reaching out.
You may want to check the CBA credit cards on our website. You should be able to see different credit cards offered by CBA on that page.
If you’d like, you can also check other credit cards that could meet your needs and preference.
Hope this helps.
Cheers,
May