Zero Mastercard card image

Bankwest Zero Mastercard

Advertiser disclosure
Purchase rate
14.99% p.a.
Balance transfer rate
0% p.a. for 34 months and then 14.99% p.a. (2.00% balance transfer fee)
Annual fees
Interest free days on purchases

Mozo editorial review Bankwest Zero Mastercard - last updated: 7 February 2022

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What's hot
  • $0 Annual fee
  • 0% p.a. on balance transfers for 34 months and then 14.99% p.a. thereafter (2% BT fee applies)
  • 55 interest free days
  • 2021 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 34 months and then 14.99% thereafter (with a one-off 2% transfer fee; other fees, T&Cs apply). It's this offer which won it a 2021 Mozo Experts Choice Award in the Best Balance Transfer Credit Card category. However, if you do miss a payment 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 34 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 installment purchase plan.

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.


Rates and fees information correct as at 2 July 2022 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.

14.99% p.a.


0% p.a. for 34 months and then 14.99% p.a. (2.00% balance transfer fee)


21.99% p.a.








2%, Min $4.00










Payment options

Apple Pay, Google Pay

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

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Customer service

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About Bankwest