Zero Mastercard card image
Mini meca 2023

Bankwest Zero Mastercard

Advertiser disclosure
Purchase rate
14.99% p.a.
Balance transfer rate
0% p.a. for 28 months and then 14.99% p.a. (3.00% balance transfer fee)
Annual fees
$0
Interest free days on purchases
55

Mozo editorial review Bankwest Zero Mastercard - last updated: 10 November 2023

binocular icon
What's hot
  • $0 Annual fee
  • 0% p.a. on balance transfers for 28 months and then 14.99% p.a. thereafter (3% BT fee applies)
  • 55 interest free days
  • 2023 Mozo Experts Choice Award winner
  • Pay off purchases in installments
What's not
  • $25 late repayment fee
Mozo snapshot

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.

Bankwest's payment plan, "Easy Instalment Purchase Plan" which is available on all credit cards also won Bankwest an award for best Credit Card Payment Plan. 

 Be aware, that if you miss a payment on this card you'll be hit with a $25 extra repayment fee.

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Key features

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.

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Who is it good for

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.

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Any catches

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.

Details

Rates and fees information correct as at 16 July 2024 Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

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

Fees

$0.00

none

none

none

$25.00

3%, Min $4

2.95%

$1.25

$0.00

$0.00

Features

$20.00

2.0

3

none

Payment options

Apple Pay, Google Wallet

Other benefits

Set up Easy Instalments purchase plans to spread the cost of up to 5 eligible purchases over 4 monthly instalments at 0% p.a.

Customer Reviews

How are Bankwest credit cards rated by the Mozo community?

Overall
7.7/10
Price
6.9/10
Features
6.2/10
Customer service
7.4/10
Convenience
7.5/10
Trust
7.5/10
Based on 1084 Bankwest credit card reviews as rated by the Mozo customers. More about the Mozo Customer Ratings.
Mozo recommends that ratings are only one factor to be taken into account when deciding whether to take up any financial product offer.

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