No annual fee
Accessible $1,000 minimum credit limit
2.95% foreign transaction fee
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 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 BankWes...
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 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 gi...ven 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.
RETIREES DON'T BOTHER APPLYING
I recently applied and was refused a bankwest mastercard with no reason given (sensitive information). I am a 59 yo self funded retiree of 11 yrs. Like another reviewer holding substantial liquid assets, high levels of superannuation, owning outright 4 properties and an unblemished credit rating one would think a very good credit risk. Apparently better off earning a regular wage and saddled with debt to be considered creditworthy.
Biased against retirees
Having recently retired and spending lots of time overseas, I applied for the Bankwest platinum MasterCard as a back up overseas credit card. I own my own house (worth 750k) have a couple of hundred grand in the bank, new car, perfect credit rating etc but what I don't have is an income. I only wanted a 5 or 6 k limit. Not good enough for Bankwest. Ignored all my cash and house value wouldn't give me a card because I had no income. Put up as many roadblocks as they could until I emailed them and said don't bother. Not even the decency for a response. Its as if they believe you are worthless after age 55. Funny, they are not the only bank out there, although they clearly believe they are.
No customer service
Applying for a credit card from Bankwest I waited about 3 weeks and checking on the progress twice by phone and once by email I still have no reply. I told the customer service all I wanted to know was yes or no and they promised to get back to me. Two weeks later and still no reply from them. This is disgusting service to someone with a faultless credit history (this should not matter) to just giving me an update. Nil customer service in this case.
BankWest would be the hardest bank in the world to deal with. They absolutely go out of their way to make it too difficult to open up an account with them. The process is onerous, intrusive, and a waste of time. There are better products out there, with Banks that actually WANT your business. I won't ever bother trying to deal with them again, and I suggest you don't either.
BankWest red tape
I asked to have my zero MasterCard upgraded to a platinum zero card. Although I'm retired and get a small centrelink pension, I'm relatively wealthy. Unbelievably, BankWest put all kinds of roadblocks in the way to avoid increasing my credit limit from $2000 to a measely $6000. I was not amused especially since I've been a customer for 65 years and I've taken out four mortgages and never missed a payment. Customer loyalty means nothing to BankWest. I told them they can stick their platinum card. I have accounts and credit cards with other banks, none of which have shamefully treated me like BankWest.
Bankwest only care about themselves and profit
In 3 years had a 20% income reduction, now pay increase for 2 years and none coming. All costs of living have skyrocketed included a recent 20-33% transport fare increase.
Tried to have card cancelled to go on to long term plan. Other provider agreed in 5 minutes.
They said no, have their own set of rules making it impossible. The extortionate interest kept getting charged, the fees are being piled on. Paid more than the minimum required only for it be swallowed by the interest, fees and charges they deem applicable. They ending up charging m...
Highly Recommend this-Anything to Avoid 28 Degrees MasterCard
I'm comparing my experiences with a previously held product ( being 28 Degrees MasterCard ).
I keep my overseas travel costs on a separate card to the one I use for my Australian life.
This is to protect/minimise fall out from needing to cancel cards due to fraud whilst overseas.
I always pay the full balance owing on an issued statement, at least two business days before the Due Date. Interest Rate % charges are therefore not a concern or factor when I select credit cards. Efficient customer service is one of the leading factors, plus I look for Fee-Free cards. The added attraction with this BankWest card is NO International Transaction/Foreign Currency fees for purchases.
Zero Master Platinum - Excellent card
FEATURES - annual fee-FREE, travel insurance-COMPLIMENTARY, Foreign Transaction fees-FREE, 55 days interest-FREE. Even though it has higher interest, it does not matter for people who pay their balances in full by the due date. What else do you want? I have just applied for the card and I have recommended the card to many of my friends and most of them have switched over to this card. I will be getting my card this week and I am excited to do the first purchase with this card.
I used my credit card overseas and it was crystal clear and simple....
BankWest is just a pain in the ares
Unprofessional dealings on the phone. Calls me on the phone from 'private number' and hung up on me a number of times without leaving a message. Not dealing with them ever again! Stay away please.
No Fee, 55 days interest fee period, quick access to customer care
Interest fee is higher those who do not pay off in full can get affected.
Awesome credit card for those who pay within the 55 days!
Platinum version is the way to go, no annual fees, no foreign transaction fees (for international purchases, eBay, PC Steam account, etc.), free travel insurance (look into this one, have not used it yet), 55 days interest free.
Never paid a cent in 6 years for anything, I always pay it off via Bpay from my mortgage account 2 days before due date, fantastic!
No Fee, No Fuss
I joined Bankwest after my home loan finished and my Nab Visa was going to start charging an annual fee. I have had no problem with Bankwest, applying online was a breeze and everything so far is good.
The only downside is PayPass, I don't for the life of me know how someone thought less security was a good idea on credit cards. Paypass should be banned. My financial security is worth more than saving a few seconds at a register.
Bankwest (and all banks for that matter) should have the option to have cards without PayPass after all, the ...customers make your money. Don't we count? One more thing, showing the Bankwest processing date shown online is useless to customers, we don't care when YOU process it, please change it to the transaction date! It makes it hard to know what some transactions are when the shown date is 2-4 days after the transaction date. -Deducted two stars for Paypass. Edit: Two times in one year my card was compromised. Maybe it was bad luck but in all my years of banking, only Bankwest has had this happen. Hats off to the fraud department for catching it before I even knew about it. Well done.
Got a credit card from BW years ago before the new credit regulations came into effect. I had my credit limit increase many times however, there is one time which I through the same process, 2 payslips and letter from manager. After a month, rang them up, they told me they had sent a letter which declined my credit increase which I never had received. I asked them [censored word removed], nobody rang me or advise me in writing. They said, I should have got the letter. They told me to reapply in 3-6 months time. [censored word removed] anymore, ...applied for other banks credit card and got the product and service I originally expected. Interest free days, low annual fee or zero depending on the type Incompetent, rude and lazy staff on the phone
There's a few cards out there with $0 annual fee. I used to have the Virgin (now Westpac Ignite card). This card is great. No annual fee every, 55 days to pay (make sure you pay on time!). Lot of people don't know that Bankwest has now upgraded their product to include a Gold and Platinum Zero card. What it means? That you don't have to pay an annual fee, but enjoy free travel insurance (courtesy of Mastercard), extended warranties and purchase protection. If you don't care about the rewards points, then this has to be the card for you.
This has been a very handy credit card to have as I have never once paid a fee with using it. I make sure that my balance is paid at the end of the month without fail. The credit card comes with no annual fees at all and you also benefit from a lengthy 55 day interest free period on anything you purchase. You do really need to ensure you are paying off your monthly balance though to ensure you do not get slugged with any fees.
A great credit card if you are diligent in paying off your monthly balance. A lengthy 55 day interest free period.
If you don't care about what the card looks like or you use paypal for everything it's fine. I live in a city where there is a 7-11 on every corner and because they all have bankwest atm's in them it makes it easy to access my money. Which is primarily the reason I moved to them and it's the reason I will stay with them.
You can have your savings account linked to the same card.
It is one of the most ridiculous looking cards I have ever seen in my life. (the picture on this site is not the new card http://www.bankwest.com.au/noannualfeecreditca...
Get my name right fellas.
I cant put down bankwest for the look of the card afterall in the end is annual fee free which I love it than having to pay some stupid amount of $46.00 from some banks for a card I hardly even use. However, I am having issue with them getting my name right on the card. First of all, the name of my mastercard was different from my bank card which I dont understand why. After sorting it out on both cards what is the name I want to put on they sent me a corrected bank card with the name I prefered and a wrongly named card. I have reported it back..., and since I was the secondary holder I didnt have permit to change my own name. Having getting my partner down to varify my name, I was still given the wrong name on the card for the 4TH time! I had to go down personally and showed them all the wasted plastic, and they questioned me "Does the name actually being important?" Honestly, that wasnt spot on, I replied "This isnt the name I often used in my passport, my driving license or at work so yeah it does matter, it is my name. 5th time lucky? I am still waiting. is free annual fee careless in handling potential good customers.
This is an ideal card if you always pay your balance off each month. With no annual fee, and a long interest-free period, you can't go wrong if you manage your money well. It's effectively a free money manager. But if you don't do this, you would be better off getting a card that does charge a fee, with lower interest rates.
No annual fee and a 55 day interest free period. The Gold card has excellent free insurance options. Competitive rewards scheme. Easy online access.
Interest rates are not competitive if you don't pay your balance off each month.
An excellent card for our needs as we pay off the statement balance in full every month.The interest free days and zero annual fee are therefore a bonus. Had it about 6 months now and so far so good!
No annual fee and up to 55 interest free days. Efficient online access. Helpful staff in the many new east coast branches.
Slow application process (30 days+). There are better interest rates around if you want to 'run' the balance
One of the few cards with no annual fee that serves you well
There is no annual-how can you go wrong with this card?? So pay off you debt monthly to avoid interest and this card is GOLD
Other No Annual Fee Credit Cards
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