No annual fee
Accessible $1,000 minimum credit limit
2.95% foreign transaction fee
|Category||No Annual Fee Credit Cards, Frequent Flyer & Travel Credit Cards and Balance Transfer Credit Cards|
|Minimum Credit Limit||$1,000|
|Maximum Credit Limit||$25,000|
|Additional Cardholder Fee||$0 p.a.|
|Contactless Payments||Apple Pay and Google Pay|
|Rates & Fees|
|Purchase Rate||17.99% p.a.|
|Cash Advance Fee||2%|
|Late Payment Fee||$25|
|Annual Fee||$0 p.a.|
|Foreign Transaction Fee||2.95%|
|Overseas ATM Withdrawal Fee||$4|
|Interest Free Period||55 days|
|Cash Advance Rate||21.99% p.a.|
|Balance Transfer Rates|
|Balance Transfer Period||9 months|
|Balance Transfer Rate||2.99% p.a.|
|Release date||Aug 2006|
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 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 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.
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.
Great card with travel insurance and no annual fee
This was a good credit card to start out with - no fees and covers for international travel insurance. Downside is that there was no rewards attached to the card but apart from that, I had no problems with this card and would recommend for those that is after a basic credit card.
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.
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.
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.
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.
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.
The reviewer stated that an incentive was offered for this review
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.
I have had this card for some years and use it for online purchases from sites I have not previously used. There are no ongoing fees which make it perfect for using as a back up. I use a rewards card for most things when buying locally but for safety and to avoid any issues with ongoing debits this card is perfect.
Great for overseas travel and purchases
We have had this card for about three years, mainly for travelling overseas and making foreign online purchases due to the obvious benefits of a good exchange rate and no foreign transaction fees. We actually terminated another bank's credit card that attracted an annual fee which we had been happy to pay for one reason: An overseas travel insurance that was included! Since the Bankwest Zero Platinum Mastercard includes this for free, with no annual fee, it was a no brainer for us to downgrade to a free Debit card with the other bank in order t...o save on the fee. As for cash advances, we don't use that as it can be a fee trap nevertheless, as per Bankwest's own explanation: "Cash advance interest will accrue daily from the day the money is withdrawn. In addition to the cash advance interest charges [21.99% p.a.], you will also need to pay a cash advance fee for this transaction of 2% of transaction amount or $4 (whichever is greater)."
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 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.
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
The reviewer stated that an incentive was offered for this review
Questions & Answers
Where do you get your fees from if this is a "Zero Fee" card? All banks need to make a profit from someone. Where does this card make a profit? Is it from the exorbitant rate of interest if balance not paid by the due date? Or is it from use of the card overseas?
how can i upgrade my zero card to a platinum card
Call them and they will verify based on the parameters that they need to look at.
Could you please tell me what is included in Prepaid overseas itinerary items.
Get an answer from our members
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