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On website
Bankwest Zero Mastercard
Balance transfer
28 months at 0% p.a.
Purchase rate
14.99% p.a. ongoing
Annual fee
$0.00 p.a. ongoing
Highlights
- Avoid annual fees for the duration of card ownership.
- 0% p.a. for 28 months on transferred balances (with a 3% balance transfer fee). Returns to 14.99% p.a. thereafter.
- Enjoy up to 55 days interest-free on purchases.
- Offer exclusive to new customers for a limited time. Additional fees and charges, as well as terms and conditions, apply.
Pros and cons
Pros
Cons
About this credit card
Basics
Card usage
Apple Pay Enabled
Yes
Card Type
Mastercard
Gambling Transactions Allowed
Yes
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
28 months
Balance Transfer Fee Percentage
3%
Balance transfer conditions
Balance Transfer From Personal Loan
No
Balance Transfer Limit Percentage
95%
Balance Transfer Revert Rate
14.99%
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
N/A
Purchase Rate Introductory Period
N/A
Purchase Rate Ongoing
14.99% 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
Our review
Convenience
Customer service
Rates and fees
Rewards
Trust
The basics
- Additional cardholders. It's possible to add up to 3 additional cardholders for free. The account holder is responsible for payments and general account maintenance.
- Digital wallets. The Bankwest Zero Mastercard works with major digital wallets including Apple Pay, Google Pay, and Samsung Pay.
- Gambling transactions. Gambling transactions are permitted, but they will be treated as cash advance.
Rewards and benefits
- Complimentary travel insurance. This card also does not come with any complimentary domestic or international travel insurance. Cardholders get extended warranty insurance protection and fraud protection insurance as standard.
- Concierge services. Cardholders will not have access to a concierge service.
- Lounge access. There is no airport lounge access with this card.
- Rewards points. The Bankwest Zero Mastercard does not have a rewards program.
Rates and fees
- Annual fee. This card's ongoing annual fee is $0 — as low as you can get.
- Balance transfers. Utilizing the 28-month zero-interest period is a compelling deal. However, keep in mind that there is a 3% fee for balance transfers. If any transferred balance remains unpaid after the introductory period, it will be subject to the purchase rate of 14.99% per annum.
- Cash advances. Purchases classified as cash advances will incur interest at the rate of 21.99% p.a. plus a cash advance fee of 3% (or $4 whichever is greater) of the amount you borrow. Interest on cash advances is charged from the date of the transaction.
- Foreign exchange fee. Any foreign currency transactions made with this card either overseas or with an online store will attract a 2.95% fee.
- Interest-free period. Pay no interest for 55 days when you pay off your credit card bill in full and on time, helping to improve your cash flow between paydays.
- Purchases. There is no introductory offer on purchases. Any purchase made with this card will attract interest at the standard rate of 14.99% p.a. until repaid.
- Sign-up bonus. Bankwest does not offer any welcome bonus points for signing up for this card.
Reviewed by Credit Card Compare Staff
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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