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BankWest Zero MasterCard Classic

BankWest Zero MasterCard Classic

2.9 from 48 reviews · View Statistics
See the Best No Annual Fee Credit Cards in 2021 as rated by Australians on ProductReview.com.au.
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Pros

  • No annual fee

  • Accessible $1,000 minimum credit limit

Cons

  • 2.95% foreign transaction fee

Details

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 9 months
Balance Transfer Rate 2.99% p.a.
Release dateAug 2006
Visit official website

Reviews

  • Transparency
    4.4 (7)
  • Customer Service
    4.3 (7)
  • Rates and Fees
    4.4 (7)
  • Rewards
    3.3 (3)
  • Online Experience
    4.0 (6)
  • Application Process
    4.3 (7)
Previous
Next
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.

Transparency
4/5
Customer Service
3/5

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.

Transparency
4/5
Customer Service
4/5

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.

Transparency
4/5
Customer Service
4/5
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.

Transparency
4/5
Customer Service
4/5
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The reviewer stated that an incentive was offered for this review

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Patro
PatroGreater Melbourne (Metropolitan), VIC
  • 8 reviews

Excellent ... No overheads

published

I have been using since two yeas. no problem even once late fees reversed as it was a genuine mistake. i gave four star because when i loaded money on credit card over the limit and withdraw money less then what is excess amount, still they charged fees where it never happend with other credit card. Still i like to continue with a low limit for safe overseas travel.

Transparency
5/5
Customer Service
5/5
Erwin
ErwinSydney, NSW
  • 12 reviews

A great credit card without annual fees

published

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.

Transparency
5/5
Customer Service
5/5
Similar opinion? Write a review on ProductReview.com.au!

The reviewer stated that an incentive was offered for this review

Tim
TimGreater Melbourne (Outer), VIC
  • 13 reviews
  • 4 likes

Very good card

published

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.

Transparency
5/5
Customer Service
5/5

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Anna
AnnaMelbourne
  • 4 reviews
  • 1 like

Uptight Credit Limit but Can't Complain When There's No Annual Fees

published
shellfreak
shellfreak
  • 168 reviews
  • 22 likes

Good

published

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.

No Annual Fee Credit Cards

Find out how BankWest Zero MasterCard Classic compares to other No Annual Fee Credit Cards

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savanna454
savanna454
  • 9 reviews
  • 8 likes

Good

published

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

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
See all BankWest Zero MasterCard Classic questions

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