Bankwest Zero Mastercard
Highlights
- No annual fee for the life of the card.
- 0% p.a. for 6 months on purchases and transferred balances (with a 3% balance transfer fee). Returns to 18.99% p.a. thereafter.
- Add up to 3 additional cardholders at no extra cost.
Pros and cons
Pros
Cons
About this credit card
Basics
Card usage
Eligibility
Additional cardholders
Credit limits
Repayments
Balance transfers
Balance transfer offer
Balance transfer conditions
Rates, fees, charges
Cash advances
Purchases
Account fees
Rewards
Rewards program basics
Rewards points per $1 spent
Additional perks
Insurance
Travel and lifestyle
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. Bankwest offers a 6-month zero-interest period, which is not a bad deal. However, a 3% balance transfer fee applies, and any unpaid balance after the introductory period will be charged at the purchase rate of 18.99% p.a.
- 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. The Bankwest Zero Mastercard allows you to enjoy 0% interest on purchases for the first 6 months, then a competitive rate of 18.99% p.a. applies thereafter.
- Sign-up bonus. Bankwest does not offer any welcome bonus points for signing up for this card.
Reviewed by Credit Card Compare Staff
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
Would you like to review this product? Click here to write your review and help others make a better decision.
