The Bankwest Zero Mastercard is a simple, no frills credit card for the everyday credit card user. You'll never pay an annual fee, plus with up to 55 interest free days you'll have plenty of time to make repayments. If you've got debt to move over from another card you can also enjoy a limited time offer for new Zero Mastercard customers of 0% p.a. on balance transfers for 28 months and then 14.99% thereafter (with a one-off 3% transfer fee; other fees, T&Cs apply). It's this offer which won it a 2023 Mozo Experts Choice Award in the best No Annual Fee Credit Card and Balance Transfer Credit Card categories.
Be aware, that if you miss a payment on this card you'll be hit with a $25 extra repayment fee.
Zero, zilch, nada - no matter what language you say it in you'll never pay an annual fee with the Bankwest Zero Mastercard. Unlike some credit cards that have no annual fee for the first year but then start charging $50 or more, the BankWest Zero Mastercard has no annual fee for the life of the card.
The Bankwest Zero Mastercard has a purchase rate of 14.99% and a comfortable 55 day interest free period for repayments so long as you you pay off your purchases in full.
With an introductory 0% p.a. balance transfer offer for 28 months available for new customers with existing debt with other financial institutions, there’s good reason to bring your old debt over to the Bankwest Zero, but make sure you pay off your balance in that time, otherwise you’ll be charged at a higher 14.99% p.a. standard balance transfer rate.
Bankwest is also allowing customers to pay off purchases with their easy instalment purchase plan.
If you're looking for a low maintenance credit card with a great purchase rate and the convenience of the Mastercard network, the Bankwest Zero Mastercard deserves your attention.
Staying on top of your bills will save you from being hit with a $25 late repayment fee. You can set up Bankwest "Easy Alerts" to remind you to make repayments on time.
14.99% p.a. |
|
none |
|
0% p.a. for 28 months and then 14.99% p.a. (3.00% balance transfer fee) |
|
no |
|
21.99% p.a. |
|
55 |
$0.00 |
|
none |
|
none |
|
none |
|
$25.00 |
|
3%, Min $4 |
|
2.95% |
|
$1.25 |
|
$0.00 |
|
$0.00 |
$20.00 |
|
2.0 |
|
3 |
|
none |
Apple Pay, Google Wallet
Set up Easy Instalments purchase plans to spread the cost of up to 5 eligible purchases over 4 monthly instalments at 0% p.a.
This card has zero annual fee and has complimentary travel insurance. It also has no transaction fee for overseas purchases beside a favourable exchange rate. Every time I en countered an unauthorised transaction and reported it to the bank via internet banking mail, they swiftly process my dispute and reverse the fraudulant charges. I can't leave for overseas without it.
Read full reviewThis card has zero annual fee and has complimentary travel insurance. It also has no transaction fee for overseas purchases beside a favourable exchange rate. Every time I en countered an unauthorised transaction and reported it to the bank via internet banking mail, they swiftly process my dispute and reverse the fraudulant charges. I can't leave for overseas without it.
I rang up for a balance and to close my account due to fraud activities, got the balance paid at least 3 days before due date and then have been charged on my next statement another fee. Rang to get an explanation that did not make any sense at all. So goodbye Bankwest
Read full reviewI rang up for a balance and to close my account due to fraud activities, got the balance paid at least 3 days before due date and then have been charged on my next statement another fee. Rang to get an explanation that did not make any sense at all. So goodbye Bankwest
No problems but not exceptional.
Read full reviewNo problems but not exceptional.
Their 55 day interest free zero Mastercard is very positive and client-friendly.
Read full reviewTheir 55 day interest free zero Mastercard is very positive and client-friendly.
Have been with Bankwest for a considerable time. Very happy with their service.
Read full reviewHave been with Bankwest for a considerable time. Very happy with their service.
Low Rate Card
13.49% p.a.
0% p.a. for 28 months and then 21.74% p.a. (2.00% balance transfer fee)
$59 $0 in the first year
Platinum Edge Credit Card
23.99% p.a.
No current offer
$195 $0 in the first year
Membership Rewards
Platinum Visa Credit Card
19.99% p.a.
No current offer
$299
Qantas Frequent Flyer
Qantas Ultimate Card
23.99% p.a.
No current offer
$450
Qantas Frequent Flyer
Explorer Credit Card
23.99% p.a.
No current offer
$395
Membership Rewards
Velocity Platinum Card
23.99% p.a.
No current offer
$375
Velocity Frequent Flyer
Qantas Discovery Card
23.99% p.a.
No current offer
$0
Qantas Frequent Flyer
Qantas Ultimate Card
Qantas Frequent Flyer
$450
100,000
1.25 points up to 100,000 points/year, then
1 point uncapped
Platinum Visa Credit Card
Qantas Frequent Flyer
$299
50,000
1 point up to 20,000 points/month
Qantas Rewards Premium Card
Qantas Frequent Flyer
$250 $150 in the first year
70,000
0.66 points up to $3,000/month, then
0.33 points up to $6,000/month
Qantas Premium Card
Qantas Frequent Flyer
$249
20,000
1 point uncapped
Rewards Signature Card
NAB Rewards
$295 $145 in the first year
160,000
1.25 points uncapped
Qantas Discovery Card
Qantas Frequent Flyer
$0
No current offer
0.75 points uncapped
Velocity Escape Card
Velocity Frequent Flyer
$0
No current offer
0.75 points uncapped
Qantas Rewards Signature Card
Qantas Frequent Flyer
$395 $295 in the first year
120,000
1 point up to $5,000/month, then
0.5 points up to $20,000/month
Low Rate Card
0% p.a. for 28 months and then 21.74% p.a. (2.00% balance transfer fee)
13.49% p.a.
$59 $0 in the first year
Premier Credit Card
0% p.a. for 6 months and then 22.24% p.a.
21.49% p.a.
$300 $150 in the subsequent years if you spend $48,000 on eligible purchases or cash advances in previous year., $150 in the first year
Citi Rewards Program
Blue Visa Credit Card
0% p.a. for 9 months and then 21.74% p.a.
0% p.a. for 9 months then 20.74% p.a.
$60
Q Rewards
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
0% p.a. for 24 months and then 20.99% p.a.
20.74% p.a.
$149 $0 in the first year
Velocity Frequent Flyer
More Mastercard
0% p.a. for 6 months and then 19.99% p.a. (1.00% balance transfer fee)
19.99% p.a.
$100
Bankwest More Rewards
Low Rate Card
13.49% p.a.
0% p.a. for 28 months and then 21.74% p.a. (2.00% balance transfer fee)
$59 $0 in the first year
Low Rate Credit Card
12.99% p.a.
0% p.a. for 20 months and then 25.99% p.a. (2.00% balance transfer fee)
$99
Low Rate Visa Credit Card
9.90% p.a.
No current offer
$59
Low Rate Credit Card
8.99% p.a.
0% p.a. for 6 months and then 8.99% p.a.
$59 $0 in the first year
Low Rate Card
13.49% p.a.
0% p.a. for 28 months and then 21.74% p.a. (2.00% balance transfer fee)
$59 $0 in the first year
Low Rate Credit Card
12.99% p.a.
0% p.a. for 20 months and then 25.99% p.a. (2.00% balance transfer fee)
$99
Low Rate Visa Credit Card
9.90% p.a.
No current offer
$59
Low Rate Credit Card
8.99% p.a.
0% p.a. for 6 months and then 8.99% p.a.
$59 $0 in the first year
Blue Visa Credit Card
0% p.a. for 9 months then 20.74% p.a.
0% p.a. for 9 months and then 21.74% p.a.
$60
Flex Card
0% p.a.
No current offer
$120 $10 monthly fee waived if the outstanding balance on the previous statement is paid in full by the due date.
StraightUp Card
n/a
No current offer
$240 $20/month - waived if no spend & no balance owing