BankWest Zero MasterCard Classic

useless and not fit for purpose – Completely unsatisfied with this credit card, opted for east installment and approved by the bank and confirmed with bank staff the amount is going to be deducted on the statement date less easy installment (deduct only the first installment). however fully payment deducted because i scheduled to make a payment using direct debit. Bank they cant do anything about it. Show details

Time waster – This card would appear to be a good for travel, with zero fees and zero international transaction fees. But if it is not available to people who are retired, no matter how many assets and how much their income, BankWest could at least be up-front honest. Why waste my time and theirs? Not just the application, but the requirement to set up internet… Read more

banking which can then only be cancelled through their call centre. The first and last time I will deal with BankWest.

Terrible customer Services – I have been pre-approved for $16000 dollars, however, decided to get a lower value. Then, I have been asked to provide recents 2 payslips, which one was for the month of December and the other for January. They have replied saying they were too old. I found it quite ridiculous since these were my last two payslips. After two days they have declined my application without any explanations. Show details

Decent credit card with no ongoing fees!!! – I've had this credit card as part of my mortgage package. I opted for this one as I didn't want any ongoing fees for using it. I have been using it for couple of years now for both everyday purchases and online shopping and haven't had any issues so far. The customer service is very helpful and trying to resolve any issues you have. All in all I am quite satisfied with this card and would recommend it to anyone. Show details

Basic but OK – As others have said there is no annual fee. This should be a given for all cards since I believe that they make enough from the interest paid by a lot of customers. A basic card with no real extras. Show details

Bank is a Joke – I applied was pre-approved then asked to provide payslip, so I did. Two days later asked to supply license and bank statement so I did. Two days later asked to supply passport, I don't have a damn passport and why the hell do they not just stipulate everything they want from the start instead repeatedly asking for new documents. They don't reply… Read more

to your emails when you send them to check they received the documentation.

I honestly don't know how they run a business!!!

Hopeless!!! Stay away from them – This is the second time when this banks has completely failed in its customer service skills. The first time was a payment made to someone who did not deliver the service that was promised. When I complained, the bank sent me a big questionnaire to fill in which had questions that were next to impossible to be answered. and this time, even during… Read more

these torrid times, the bank has gone down the track of charging a late payment fee which was delayed by only 1 day. They have lost me as a customer. Will close with the next due payment. Hopeless, greedy, disgusting.

No Explanation for decline – After researching Global Credit card reviews, we decided to apply to Bankwest today for a global credit card in an case of an emergency. Have been rejected. With a property valued at $900000 with a mtg under $70k & a small personal loan, with both of us working were rejected. Spoke to 3 Customer Service reps, neither could explain how we didn't… Read more

qualify for their criteria. I asked to speak to a supervisor, to discuss it, they couldn't or wouldn't talk to us. They want all our information, but, won't give us any in return. Very poor business conduct. Won't be recommending them.

good card – this card comes with no fees which helps to save normally annual charges of around $200 to $300. Using this card for a while and have no issues so far. Show details

Good Credit Card – It's a good credit card with low annual fees. It is very easy to transfer the balance to this credit card. It has low international fees and easy to use overseas. Show details

Great card with Great benefits – My friend refer this card and its fantabulous. This card only has downside that it cannot give you earn points however the benefit of no fees, no international transaction fees and at par exhange currency rate offset that one downside. Highly recommended. Show details

Bankwest Mastercard – I use this card, the fees can be much and interest rates are a bit higher then normal. However when overseas using this card with no overseas fees and good exchange rates helps make the card more useful to use. Show details

Zero fees and very convenient – Have been using the Bankwest Zero Master Card for long time now. The best thing about the card is there is no annual fees and the online app is also very easy to use. I use the card for my day to day shopping, groceries, online shopping and never had any issue. Show details

Bank West credit card – I applied for this card 2 to 3 weeks ago, they finally contacted me a week ago. I was applying for a card because I was going overseas and was looking for a card with no overseas transaction fees. I still work 3 days a week and with investments my income is around $100,000. I have no mortgages no debts and around $1,000,000 in assets, and… Read more

believe me I got rejected. They offered me another card with a credit of $3000 with overseas transaction fees. I would have thought I would have got this card with no problems. I already have 2 ANZ Visa cards, and they said if I cancel one of those cards they may consider granting me the card. I refused to do that and asked to cancel my application. Their answer for me being rejected was “they are very selective”. I now have applied to 28/degrees mastercard and have been approved. Well done 28 degrees, bad luck to bank west.

terrible bank. terrible card – This is the worst bank ever. i applied for a higher tiered card then this one. Was instead deceptively given this card instead and not told that it was not the higher one that I applied for. As part of their rigorous application process had to twice go into one of their bank branches and email 6 months of statements. All for wasted effort. Their customer service is terrible too. Takes 20-30m each time you cal them. Show details

Good card, terrible service from this bank – This card has a great rate but they are quick to charge fees and also the phone bank staff are rude, unhelpful and difficult to deal with. Not a nice bank if you come into any financial difficulty Show details

A great credit card without annual fees – I have this card for almost a tear now and it is great if you pay the closing balance per month. I find their support a great to deal with. Show details

This is perfect, easy to use, no fuss – Easy to use. Alert immediately if there are any unauthorised transactions. Although the card has not been used overseas, I could not see there being any major issue. Long expiry date so you don't have to worry about replacing the card - at time of renewal, a new card is automatically sent to the customer. Show details

Very good card – I have had this one for a few years now and the interest rate and fees are much better that the four big banks. Staff have always been great to deal with. Happy to recommend this one. Show details

Works for me – I have had no problems . It does what it should and I only use it for domestic expenditure and settle it in full at the end of each month so no issues. Show details

Regional bank with regional mentality – Excellent for overseas use love the the zero foreign transaction fees and the app. With no branch anywhere near me it is a pain to deal with on the phone as I’d checks have to be done with Aust post and we know how bad they are

No service. No answers – Applied for a card on-line and was rejected 60 seconds later. Semi retired owned our house 3 sources of income no loans or outstanding debts. All financial details given. Told didn’t meet lending criteria. Rang to ask why - told this was private info under information privacy laws and would not be disclosed to me!! Went to 28 degrees and was immediately accepted. Poor form BankWest.

Terrible customer service, conflicting information and lengthy process – Took 20 days to get a decision. During this 20 days I had to provide 3 months bank statements have my ID verified at branch. First they told me approved when I chased them for update, then I received a call telling me it wasn’t approved. I was told they couldn’t update me on 2 occasions because it was being handled by the ‘back office’ Got approved with virgin in the end, much easier process and took 1 week. Your loss Bankworst!

Vonski – HORRENDOUS service!!!! Been trying for MONTHS to get a matter resolved. Keep getting charged late fees even though payments are set up auto and always on time. Cannot get this fixed. This month over $100 of additional fees!!!!! are they kidding me? this is THEIR issue, NOT me not paying my bills. I advise everyone to avoid this bank like the plague! Have to give one star as there is no minus score. Otherwise its a minus 10 from me!

Minimum service, no customer protection, ING & Amex are way better – If you just use it as a basic functioning card, and fingers crossed things never go wrong, it will probably be ok. Their app is very backwards and payment is still processed in the most old fashioned way. Does not support Apple Pay. Nothing compared to the American Express app on my phone. Applied for the card for a trip to Europe wishing to take… Read more

advantage of paying no overseas transaction fee. Used this for a trip in Italy and got scammed off by a dodgy travel company - paid but didn't receive any service. The transaction dispute with BankWest took ages and eventually, got a cold letter in the mail saying basically it was my problem not theirs. Called the customer service line ask for a detailed explanation, however, just got a cold 'it's your fault'. I did not apply for your credit card for you to tell me everything was my fault. I used Amex for similar scenario, the dispute team was super understanding and got my money back. I was disappointed after this rude conversation and asked to close this credit card, surprisingly the customer service member sounded delighted - He was more than happy to get rid of a customer than helping. Took him 2 minutes to close my card and tell me to leave. Shocked by the attitude and service and don't think I would use any of their product again.

I used ING direct when i was overseas, i have withdrawn money from the ATM with no ATM fee, no foreign transaction fees. No drama, service team are fantastic.

I agree with the other retiree – Zero debt,.good credit rating, money in bank, plenty of assets.They kept promising the card would arrive before leaving for OS. Last day still no card and after many calls not even the courtesy of a call to say no deal. Result no card, no service. It,s not "My Bank" and never will be.

Uptight Credit Limit but Can't Complain When There's No Annual Fees – Originally I was aiming for the Zero Platinum Mastercard which has a minimum credit limit of $6000. However when I applied through their online application form, it only granted me a maximum credit limit of $4000. I tried to get around this by contacting them when I had to verity details for conditional approval, but they could only do what the… Read more

computer told them to do. So now I have the Zero Mastercard which has no annual fees but not like the Platinum which offers no foreign transaction fees and travel insurance. I think it's a bit uptight given that I'm with ANZ for a credit limit of $7000. Excellent credit score (I checked to be sure) and good income etc. I'll be cancelling my ANZ card anyways because I'll save $58 a year on annual fees and hopefully BankWest will offer credit limit increases in the future and a Platinum upgrade down the track.

No contactless pay – Poor technical support and outdated systems, cannot even support Google Pay on many platforms. Show details