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BankWest Zero MasterCard Classic

BankWest Zero MasterCard Classic

2.9 from 49 reviews · View Statistics
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Pros

No annual fee
Accessible $1,000 minimum credit limit
0% p.a. for 34 months on balance transfers

Cons

2.95% foreign transaction fee
2% balance transfer fee

Details · 

CategoryNo Annual Fee Credit Cards, Frequent Flyer & Travel Credit Cards and Balance Transfer Credit Cards
Card TypeMastercard
Minimum Credit Limit $1,000.00
Maximum Credit Limit $25,000.00
Minimum Income $20,000.00
Additional Cardholders 3
Additional Cardholder Fee $0.00 p.a.
Minimum Repayments2%
Contactless PaymentsApple Pay and Google Pay
Rates & Fees
Purchase Rate17.99% p.a.
Cash Advance Fee2%
Late Payment Fee$25.00
Annual Fee$0.00 p.a.
Foreign Transaction Fee 2.95%
Overseas ATM Withdrawal Fee$4.00
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

Reviews

  • Transparency
    3.5 (22)
  • Customer Service
    3.3 (22)
  • Rates and Fees
    3.6 (22)
  • Rewards
    2.3 (8)
  • Online Experience
    3.2 (21)
  • Application Process
    3.9 (20)
Previous
Next
Dinesh m.
Dinesh m.North Queensland, QLD

Bank is a Joke

published

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!!!

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GAUTAM
GAUTAMMacGregor 2615, ACT
  • 10 reviews
  • 17 likes

Hopeless!!! Stay away from them

published

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.

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Jennifer
JenniferNew South Wales
  • 3 reviews
  • 1 like

No Explanation for decline

published

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.

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Dave
DaveSydney, NSW
  • 2 reviews
  • 1 like

Decent credit card with no ongoing fees!!!

published

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.

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Brisbee
BrisbeeBrisbane
  • 13 reviews
  • 1 like

Great card with travel insurance and no annual fee

published

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.

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Basic but OK

published

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.

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Hunter
HunterGreater Melbourne (Inner), VIC

good card

published

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.

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Aman L.
Aman L.
  • 2 reviews

Good Credit Card

published

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.

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Rustproofhydra
RustproofhydraPerth, WA
  • 16 reviews
  • 3 likes
  • Verified

Great card with Great benefits

published

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.

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Steven N.
Steven N.Sydney, NSW
  • 3 reviews

Bankwest Mastercard

published

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.

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The reviewer stated that an incentive was offered for this review

BYV
BYVGreater Melbourne (Inner), VIC

Zero fees and very convenient

published

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.

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Traveller
TravellerPerth, WA
  • 2 reviews

Zero fees

published

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.

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GoAhead MakeMyDay
GoAhead MakeMyDaySouth East Queensland, QLD
  • 35 reviews
  • 32 likes

Great for overseas travel and purchases

published
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Miriam
MiriamSydney, NSW
  • 40 reviews
  • 42 likes

Bank West credit card

published
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Prashant
PrashantSydney, NSW

terrible bank. terrible card.

published

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.

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Questions & Answers

Edward F.
Edward F.asked

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?

No answers
graeme quinn
graeme quinnasked

how can i upgrade my zero card to a platinum card

1 answer
Erwin
Erwin

Call them and they will verify based on the parameters that they need to look at.

Sandy
Sandyasked

Hi,
Could you please tell me what is included in Prepaid overseas itinerary items.

Thanks.

No answers
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Extra Information

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