Bankwest Zero Classic Mastercard

Not available for application via this website

Bankwest Zero Classic Mastercard

2.8

Balance transfer

6 months at 0% p.a.

Purchase rate

6 months at 0% p.a.

Interest-free days

Up to 55 days on purchases

Annual fee

$0.00 p.a. ongoing

Highlights

  • Enjoy no annual fee for as long as you hold the card.
  • Pay 0% interest p.a. for 6 months on purchases and balance transfers, with a 3% balance transfer fee. It then moves to 18.99% p.a.
  • Add up to 3 extra cardholders at no cost.

Pros and cons

Pros

  • Make the most of the intro balance transfer and purchase offers.
  • Purchases attract a fairly low interest rate of 18.99% p.a.
  • Get up to 55 days interest-free on purchases.
  • Start with a credit limit from just $1,000.
  • Lock your card quickly through the Bankwest App if needed.
  • Spread up to 5 purchases over 4 monthly payments at 0% interest with Easy Instalment Plans.

Cons

  • Balance transfers come with a 3% one-off fee.
  • This card does not let you earn points.

About this credit card

Basics

Card usage

Apple Pay Enabled
Yes
Card Type
Mastercard
Gambling Transactions Allowed
No
Samsung Pay Enabled
Yes

Eligibility

Joint Application Accepted
No
Minimum Age
18 years
Minimum Credit Rating
Below Average, Fair, Good, Very Good, Excellent
Minimum Income
N/A
Temporary Residents Accepted
No

Additional cardholders

Additional Cardholders
3
Additional Card Fee Ongoing
$0.00

Credit limits

Minimum Credit Limit
$1,000.00
Maximum Credit Limit
N/A

Repayments

Interest Charged From
Purchase date
Interest Free Period
Up to 55 days on purchases
Minimum Repayment Percentage
2%

Balance transfers

Balance transfer offer

Balance Transfer Rate
0%
Balance Transfer Period
6 months
Balance Transfer Fee Percentage
3%

Balance transfer conditions

Balance Transfer From Personal Loan
No
Balance Transfer Limit Percentage
95%
Balance Transfer Revert Rate
18.99%

Rates, fees, charges

Cash advances

Cash Advance Rate
21.99% p.a.
Cash Advance Fee
$4.00
Cash Advance Fee Percentage
3%
Cash Advance Fee Threshold
N/A

Purchases

Purchase Rate Introductory Offer
0%
Purchase Rate Introductory Period
6 months
Purchase Rate Ongoing
18.99% p.a.

Account fees

Annual Fee Initial Year
N/A
Annual Fee Ongoing
$0.00
Dishonour Fee
$0.00
Duplicate Statement Fee
$2.50
Foreign Exchange Fee Percentage
2.95%
Late Payment Fee
$25.00

Rewards

Rewards program basics

Rewards Program
N/A
Rewards Program Annual Fee Initial Year
N/A
Rewards Points Expiry
N/A

Rewards points per $1 spent

Domestic Rewards Points Earn Rate
N/A
Government Rewards Points Earn Rate
N/A
Overseas Rewards Points Earn Rate
N/A

Additional perks

Insurance

Cardholder's Domestic Hotel Burglary Insurance
No
Cardholder's Extended Warranty Insurance
No
Cardholder's International Travel Insurance
No
Cardholder's Interstate Flight Inconvenience
No
Cardholder's Personal Item Theft Cover
No
Cardholder's Price Protection Insurance
No
Cardholder's Purchase Protection Insurance
No
Cardholder's Refund Protection
No
Cardholder's Transport Accident Insurance
No

Travel and lifestyle

Airport Lounge Access Included
No
Concierge Service Included
No
Complimentary Flight Voucher Included
No
Complimentary QFF Membership Included
No

History

    User reviews

    Convenience

    Customer service

    Rates and fees

    Rewards

    Trust

    Generally pleased with this card

    Reviewed by Julie


    Consistency

    Reviewed by Kate


    Good credit card for basic use

    Reviewed by Hayley


    Basic no frills credit card

    Reviewed by Sara


    Pretty happy overall

    Reviewed by Alira


    Competitive interest rate makes up for no rewards

    Reviewed by Trish


    Excessive security

    Reviewed by Sarah


    Cheap card, no hidden fees

    Reviewed by Darren


    It's handy, with minimal fees

    Reviewed by Peter


    Locked interest rate

    Reviewed by Haley


    I haven't saved a lot with this card

    Reviewed by Justin


    No frills - just what I want

    Reviewed by Mel


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    This credit card is listed in these comparisons

    As seen on

    Media - The Sydney Morning Herald
    Media - Yahoo Finance
    Media - News.com.au
    Media - Daily Mail Australia
    Media - Australian Fintech
    Media - Dynamic Business