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Bankwest Zero Platinum MasterCard

Bankwest Zero Platinum MasterCard

3.9 from 44 reviews · View Statistics
See the Best No Annual Fee Credit Cards in 2022 as rated by Australians on ProductReview.com.au.
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Pros

$0 Annual Fee
No Foreign Transaction Fees
Complimentary Overseas Travel Insurance
2.99% p.a. on Balance Transfers for the first 9 months

Cons

No attached rewards program

Details

CategoryNo Annual Fee Credit Cards, Frequent Flyer & Travel Credit Cards and Balance Transfer Credit Cards
Card TypeMastercard
BenefitsComplimentary Travel Insurance and No Foreign Transaction Fee
Minimum Credit Limit $6,000.00
Maximum Credit Limit $50,000.00
Minimum Income $65,000.00
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 0%
Overseas ATM Withdrawal Fee$0.00
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 dateJuly 2011
Visit official website

Reviews

3.9
44 reviews
  • Transparency
    4.4 (31)
  • Customer Service
    3.9 (33)
  • Rates and Fees
    4.5 (30)
  • Rewards
    2.1 (10)
  • Online Experience
    4.1 (33)
  • Application Process
    4.3 (30)
Previous
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sailorsam
sailorsamSydney
  • 21 reviews
  • 23 likes

Appalling customer service

published

need to contact human about purchase on card.
Well, that's a joke, middle of the day and on hold for over an hour so far and counting.
Glad I switched my home loan from these clowns

Transparency
2/5
Customer Service
1/5
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Scooby
Scooby
  • 2 reviews
  • 3 likes

Such a great card all round

published
Transparency
5/5
Customer Service
5/5
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John
John
  • 2 reviews
  • 1 like

The best credit card out there for non-AUD spending, everyone should have one.

published
Transparency
5/5
Customer Service
5/5
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Useless Travel Insurance

published

The Travel Insurance has been changed from Allianze to Covermore and the changes are such an that the insurance cover is almost useless. It does not cover epidemics so that even though we bought the plane tickets 6mths ago we find that are not covered for Coronavirus and finding that out now make it impossible to get cover for Coronavirus. Also it now does not cover rental car CWA and now only covers the first 30 days. I would drop this card like a hot potato and look to other cards.

Transparency
3/5
Customer Service
3/5
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No Annual Fee Credit Cards

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incorrect information

published

The foreign transaction fees are not 0% they are 2.95% of the transaction amount when you go to the official website and have now cancelled my application for this credit card, smacks of dishonesty to me.

Incentivised Review No
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Guo
GuoGreater Melbourne (Inner), VIC
  • 9 reviews
  • 5 likes

Perfect card for travelling

published

I have had this card for over 3 years. I have been using this card for overseas traveling in APAC, Europe and NA, the obvious advantage is that you can check transactions from mobile app instantly. And the conversation rate is quite good as well.

Transparency
4/5
Customer Service
4/5
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Joseph
JosephSydney, NSW
  • 5 reviews
  • Verified

The best no annual fee card for travel

published

This card is great as it has no annual fees, no conversion fees and a great mobile banking system for convenient access during travel or everyday purchases. It also includes free insurance which is not the best, but great for a free card. It would be comparable to 28 Degrees, but is much better than anything else.

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

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Kipper
KipperMelbourne
  • 6 reviews
  • 1 like

No foreign transaction fees

published

Having an annual fee is a pain but we make a lot of overseas purchases so the zero foreign transaction fees make the card worthwhile. Good customer service over the phone also.

Transparency
3/5
Customer Service
5/5
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honesty
honestysydney
  • 70 reviews
  • 48 likes

works for us

published

We have a $7500 limit - we keep it low to keep our spend in check. We have had this card for around 15 years (the product has changed a few times over these years). The rewards are pretty good and we don't pay interest because we are vigilant about paying it off to zero every month. I know there is a fee (around $59 a year I think) which I think is a sting due to the fact that bankwest reams us for interest of our mortgages! Overall, we rate bankwest above other banks (we have tried quote a few!) and have generally found their customer service to be excellent. If they brought back the days of giving us our own personal banker boy that would be awesome.

Transparency
5/5
Customer Service
4/5
Similar opinion? Write a review on ProductReview.com.au!
No Annual Fee Credit Cards

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Matty
MattyGreater Melbourne (Metropolitan), VIC
  • 2 reviews
  • Verified

Perfect for overseas transactions.

published

Had this card for years.
Highly recommended for overseas purchases / online shopping, as no foreign fees apply.
Card was skimmed once, and Bankwest promptly assisted in cancellation of the card, and reissuing a replacement.

Transparency
5/5
Customer Service
4/5
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Ang C.
Ang C.Perth, WA
  • 4 reviews
  • 1 like

Perfect travel credit card

published

There is no foreign transaction fee if you use the credit card overseas or purchase an overseas product with a foreign currency. Not only that, the card offers very good exchange rate. The exchange is usually better than the rate obtained from Google currency exchange rate.

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

Andrew
AndrewGreater Melbourne (Metropolitan), VIC

Best card for travellers

published

I usually abandon a credit card after a year (when a better deal comes up), but this card could be a game changer. Ticks all the boxes for overseas travellers - free travel insurance, no overseas transaction fees, low annual fee. The customer online services are smooth - convenient message feature and online chat. Contacting BankWest by phone is also easy, no long periods on hold and friendly efficient operators.

Online Experience
5/5
Application Process
5/5
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No Annual Fee Credit Cards

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Keli
KeliAU
  • 12 reviews
  • Verified

Perfect for overseas purchases

published

Brilliant. I've never had any issues with it. It works every time and never has any exchange fees. I also get free travel insurance when I use it to book >$500 worth of travel items (although I've never had to utilise it). The only bad thing bad thing is having to wait a few days until the purchases are authorised, during which the price can change, but it's not usually too different, depending on the exchange rate of the day.

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

Felix
FelixGreater Melbourne (Metropolitan), VIC
  • 4 reviews
  • 1 like

Simple credit card for overseas transactions

published
Transparency
5/5
Customer Service
4/5
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Navin
NavinSydney, NSW

Perfect card for travellers

published
Customer Service
3/5
Rates and Fees
4/5
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Questions & Answers

AS
ASasked

Is this card better than GE Money 28 Degree Mastercard which also offers Zero international transaction fee and Mastercard exchange rates?
My intension to get this credit card is only for online purchases(USD/GBP) and overseas travel.

1 answer
Andyrock81
Andyrock81

Bankwest customer service/call centre is in Australia, and are easier to deal with than 28 degrees call centre in India. Travel insurance is complimentary too, unlike the 28 degrees card where you have to pay extra for this benefit.

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