BankWest Zero MasterCard Classic

BankWest Zero MasterCard Classic

BankWest Zero MasterCard Classic

53 reviews


Customer Service
Rates and Fees
Online Experience
Application Process
No annual fee
Accessible $1,000 minimum credit limit
0% p.a. for 34 months on balance transfers
2.95% foreign transaction fee
2% balance transfer fee
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CategoryNo Annual Fee Credit Cards, Frequent Flyer & Travel Credit Cards and Balance Transfer Credit Cards
Card TypeMastercard
Minimum Credit Limit $1,000
Maximum Credit Limit $25,000
Minimum Income $20,000
Additional Cardholders 3
Additional Cardholder Fee $0 p.a.
Minimum Repayments2%
Contactless PaymentsApple Pay and Google Pay
Rates & Fees
Purchase Rate17.99% p.a.
Cash Advance Fee2%
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 Rate21.99% p.a.
Balance Transfer Rates
Balance Transfer Period 34 months
Balance Transfer Rate 0% p.a.
Balance Transfer Fee 2%
Release date
Visit official website

Contact info for BankWest Zero MasterCard Classic


53 reviews
VenkatesaMid North Coast, NSW3 posts

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
Customer Service
eingleySouth East Queensland, QLD48 posts

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 banking which can then only be cancelled through their call centre. The first and last time I will deal with BankWest. Show details
Customer Service
Rates and Fees
Luciano C.
Luciano C.3 posts

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
ski48Sydney, NSW13 posts

Credit Card phone service

Set up a balance transfer from citibank
I won't begin to go through the trouble I had with that lot.
I'm a first-time user of BankWest the service they have provided me with over the phone is first class.
The staff is so pleasurable to deal with make things easy and simple to get what's needed done very quickly I highly recommend Bankwest was made life much easier throughout the years if having known how good they are Show details
Jules_VerneGreater Melbourne (Inner), VIC9 posts

Overseas Travel Card? But there are alternatives

I tried this card due to the zero international transaction fees and fairly good exchange rate. I stopped using it after 7 months because I started noticing cash advance fee being charged at some stage, which was bizzare. I looked up what signifies 'cash advance' on Bankwest website and confirmed I made no such transactions. I checked what 'cash advance' is on previous cards I owned and confirmed they were the same, but I never saw this charge on my previous cards before.

I tried contracting their customer service on chat and on messaging, but to no satisfactory result so I paid off the card and closed it. Show details

Customer Service
Rates and Fees
Online Experience
Application Process
Dinesh m.
Dinesh m.North Queensland, QLD

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

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

GAUTAMMacGregor 2615, ACT21 posts

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. Show details
JenniferNew South Wales3 posts

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.
Customer Service
Application Process
DaveSydney, NSW2 posts

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
BrisbeeBrisbane13 posts

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. Show details
Customer Service
Rates and Fees
Online Experience
Application Process

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
Rates and Fees
HunterGreater Melbourne (Inner), VIC

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
Aman L.
Aman L.2 posts

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
Rates and Fees
Online Experience
RustproofhydraPerth, WA19 posts

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
Steven N.
Steven N.Sydney, NSW3 posts
  Fair Incentive

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
Rates and Fees

Questions & Answers

Edward F.
Edward F.

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?

graeme quinn
graeme quinn

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.

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