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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
    4.9 (7)
  • Customer Service
    4.8 (6)
  • Rates and Fees
    4.6 (7)
  • Rewards
    2.5 (2)
  • Online Experience
    4.6 (7)
  • Application Process
    4.8 (6)
Previous
Next
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.

Transparency
5/5
Customer Service
5/5
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.

Transparency
5/5
Customer Service
5/5
Rustproofhydra
RustproofhydraPerth, WA
  • 15 reviews
  • 2 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.

Transparency
5/5
Customer Service
5/5
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.

Transparency
5/5
Customer Service
5/5
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GoAhead MakeMyDay
GoAhead MakeMyDaySouth East Queensland, QLD
  • 35 reviews
  • 32 likes

Great for overseas travel and purchases

published
Transparency
4/5
Customer Service
4/5
Shaun31
Shaun31Amaroo 2914, ACT
  • 8 reviews
  • 2 likes

This is perfect, easy to use, no fuss

published

Easy to use. Alert immediately if there are any unauthorised transactions. Although the card has not been used overseas, I could not see there being any major issue. Long expiry date so you don't have to worry about replacing the card - at time of renewal, a new card is automatically sent to the customer.

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

Michael
MichaelMontville
  • 2 reviews

Works for me

published

I have had no problems . It does what it should and I only use it for domestic expenditure and settle it in full at the end of each month so no issues.

Transparency
5/5
Rates and Fees
4/5

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Careful Consumer
Careful ConsumerBrisbane
  • 2 reviews
  • 6 likes

Highly Recommend this-Anything to Avoid 28 Degrees MasterCard

published

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.

Mathews
MathewsMelbourne

Zero Master Platinum - Excellent card

published
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BibbityBob
BibbityBobMetropolitan Adelaide, SA
  • 4 reviews
  • 4 likes

Awesome credit card for those who pay within the 55 days!

published

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!

QQPenguin
QQPenguin
  • 4 reviews
  • 1 like

Excellent

published
heytherek
heytherek
  • 369 reviews
  • 31 likes

Excellent

published

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.

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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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