Credit card rewards calculator

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Estimate how many Bankwest More Rewards Points the More Classic Mastercard earns and what they're worth, based on your spending, the perks you use, and the annual fee. Add or pair other cards to compare your combined rewards value.

Written By: Robert Flowers III

Last Updated: 10 April 2026

Annual fee $100 annual fee

Foreign trans. fee 2.95%

Issuer Bankwest

Calculate your More Classic Mastercard rewards

What the More Classic Mastercard calculator works out

This is an interactive calculator for the More Classic Mastercard. It estimates how many Bankwest More Rewards Points the card earns from your own spending, what those points are worth at a valuation you set, and what the card is worth across a year once benefits and the annual fee are accounted for. The figures below are the card's published rates; enter your spending to replace them with your own numbers.

More Classic Mastercard earning rates

The calculator applies these rates to the spending you enter, dropping to the lower rate automatically once a cap is reached.

Spending category	Rate	Cap
Everything Else	1.5X	No cap

Example: More Classic Mastercard earnings on Everything Else

Putting $1,000 a month into Everything Else ($12,000 a year) with the More Classic Mastercard earns about 18,000 Bankwest More Rewards Points a year. At a baseline of 0.22¢ per point, that's about $40 in value, against $100 in annual fee. You can set your own value per point in the calculator. Change the spending figures to work this out for your own budget across every category at once.

How the More Classic Mastercard result is calculated

Net annual value = (Bankwest More Rewards Points earned from your spending × your value per point) + the value you assign to the card's credits and benefits − the $100 annual fee.

Bankwest More Rewards Points start at a baseline of 0.22¢ each. That figure is a starting point, not a fixed rate — the calculator lets you replace it with your own.

Every input is adjustable: spending per category, the value of a single point, what each credit or benefit is worth to you, and whether to count the intro bonus. Up to 10 cards or multi-card wallets can be compared side by side, and each card can be set to earn a different rewards currency.

How This Credit Card Rewards Calculator Works

This tool uses a Net Value framework to estimate what you earn minus the costs of holding the card, based on your inputs.

The formula: Net Value = ((Rewards Earned from Spend × Value per points) + Perk Value) − (Annual Fee + Foreign Transaction Fees)
If you include intro bonuses in the calculator, they're added to annual value using the same points valuation you set.
Total customization: Baseline estimates may pre-fill for convenience, but you can override values (valuations, spend, perks, and fees) to match your strategy.
Transfer modeling: For transferable rewards, conversions are modeled using standard ratios for your region. You can adjust ratios to reflect transfer bonuses or recent changes.
Verified rates: Default earning multipliers and fees are based on current issuer/program terms, then your calculator inputs determine the final result.

Full breakdown: For data sources and deeper math, see our Full Rewards Methodology.