1 photo
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.
Brand Manager for BankWest? Register now and take advantage of ProductReview's Brand Management Platform!

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
    3.8 (18)
  • Customer Service
    3.6 (18)
  • Rates and Fees
    3.9 (18)
  • Rewards
    2.7 (6)
  • Online Experience
    3.6 (17)
  • Application Process
    4.0 (17)
Previous
Next
GAUTAM
GAUTAMMacGregor 2615, ACT
  • 10 reviews
  • 16 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.

Transparency
1/5
Customer Service
1/5
Jennifer
JenniferNew South Wales
  • 3 reviews

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.

Transparency
1/5
Customer Service
1/5
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
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
No Annual Fee Credit Cards

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

Know better, choose better.

Compare all

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
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
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.

Transparency
4/5
Customer Service
4/5

Related Articles

Previous
How to get in front of credit card debt with a credit card balance transfer.

Credit card balance transfers are becoming an increasingly popular way for people with growing credit card debts to manage their finances. But are they really a magic bullet? We're going to look at the ins and outs of credit balance transfers, so you can find the best way to manage credit card debt and get your finances back in the black.

Nathan S.
Nathan S.12 Nov 2019
how-to-get-in-front-of-credit-card-debt-with-a-credit-card-balance-transfer
Super Funds Awards 2020!

A good super fund can make a substanial difference to the amount you retire with. From retail super funds to self managed super funds, view reviewer ratings for the top-rated super funds of 2020!

Wendy Z.
Wendy Z.7 Nov 2019
super-funds-awards-2020
Credit Card Awards 2020

Whether it's the sign up bonus, rates and fees, or reliable customer service that you look for in a credit card, a credit card is often used everyday, so it's important you choose one that meets your needs and that you're happy with. These are the top-rated credit cards this year, as decided by ProductReview.com.au reviewers.

Wendy Z.
Wendy Z.19 Nov 2019
credit-card-awards-2020
Next
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
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
Similar opinion? Write a review on ProductReview.com.au!

The reviewer stated that an incentive was offered for this review

No Annual Fee Credit Cards

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

Know better, choose better.

Compare all
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
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
Miriam
MiriamSydney, NSW
  • 33 reviews
  • 23 likes

Bank West credit card

published
Customer Service
1/5
Rates and Fees
2/5
No Annual Fee Credit Cards

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

Know better, choose better.

Compare all
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.

Transparency
1/5
Customer Service
1/5
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
daveys777
daveys777Greater Melbourne (Inner), VIC

Was really looking forward to this card

published

Was looking forward to this card . Unfortunately a few Days after setting up a direct debit with another bank for this card I had an unauthorised transaction on the account with Bankwest in the notation.
Thankfully my bank called me and had it reversed.
After contacting Bankwest they did not think they had a problem and it was my other banks issue , not much help .
I had no choice but to cancel my 1 week old Credit card as in my opinion Bankwest has either made a huge mistake or someone who saw the Direct Debit form I sent has used it or passed it onto a third party for fraudulent use .
Very disappointed that Bankwest won’t own it !

Transparency
1/5
Customer Service
2/5
Page 1 of 2

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

Get an answer from our members

ProductReview.com.au has affiliate partnerships. These do not influence our content moderation policies in any way, though ProductReview.com.au may earn commissions for products/services purchased via affiliate links.