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Bankwest Zero Mastercard

Amy Bradney-George
Amy Bradney-George
Last updated:  

Enjoy a $0 annual fee for life and up to 55 interest-free days on purchases with this no-frills Bankwest credit card.

The Bankwest Zero Mastercard offers straightforward features and includes an introductory balance transfer rate of 2.99% p.a. for the first 9 months (with no balance transfer fee).

2.99% p.a.

Balance transfer rate

for 9 months

17.99% p.a.

Purchase rate

$0 p.a.

Annual fee

55 days

Interest free period

Details

Product NameBankwest Zero Mastercard
Balance Transfer Rate2.99% p.a. for 9 months
Balance Transfer Revert RateBalance Transfer Revert Rate (17.99%)
Balance Transfer Limit95% of available balance
Purchase Rate17.99% p.a.
Annual Fee$0
Interest Free Period55 days
Cash Advance Rate21.99% p.a.
Minimum Credit Limit$1,000
Card TypeMastercard
Foreign Currency Conversion Fee (Visa/Mastercard)2.95% of transaction value
Complimentary Travel InsuranceNo
Minimum Age18 years of age
Available to Temporary ResidentsYes
Joint ApplicationNo

Pros

  • $0 annual fee for the life of the card
  • 2.99% p.a. on balance transfers for 9 months

Cons

  • Charges a foreign fee of 2.95% of transaction value
Annual Fee$0
Minimum Monthly Repayment2% of the closing balance or $20, whichever is greater
Late Payment Fee$25
Foreign Currency Conversion Fee (Visa/Mastercard)2.95% of transaction value
Cash Advance Fee2% or $4, whichever is greater
Overseas Cash Advance Fee2% or $4, whichever is greater
Overseas ATM Withdrawal Fee$0
Additional Cardholder Fee$0
Number of Additional Cardholders3

Expert review

Amy Bradney-George

Review by

Amy is an editor and writer at finder.com.au with more than 10 years experience covering credit cards, personal finance and various lifestyle topics. When she’s not sharing her knowledge on money matters, Amy spends her time as an actress.

Expert review

The Bankwest Zero Mastercard is a no-frills credit card with a $0 annual fee that can help you save on credit card costs. If you’re paying off your current card and want to switch to this one, the 2.99% p.a. balance transfer rate for 9 months could save you some money on interest charges – although it’s not as competitive as the 0% interest rate other balance transfer cards offer.

How to apply

If you've compared credit cards and decided on the Bankwest Zero Mastercard, you can apply online in around 15 minutes. Before you get started, make sure you meet the eligibility requirements and have all the relevant documents and details ready to go.

Eligibility criteria

  • New customer. Bankwest only allows customers to have one Zero Mastercard in their name. So if you already have a Bankwest Zero or Bankwest Zero Platinum, you may want to look at other no annual fee cards or call Bankwest on 13 17 19 to talk through your options.
  • Eligible balance transfer debt(s). If you're planning to transfer a balance to the Zero Mastercard, Bankwest allows you to transfer from $500 up to 95% of your credit limit from non-Bankwest cards issued in Australia.

Card benefits

  • $0 annual fee. You can enjoy using this card without having to pay an annual fee. In comparison, other credit cards in Australia have annual fees that range from $25 to $500 (or more).
  • Balance transfer offer. If you're paying high interest rates on your existing credit card balance, you could benefit from a balance transfer rate of 2.99% p.a. for the first 9 months on this card. At the end of the introductory period, any remaining balance transfer debt will be charged interest at the standard balance transfer rate or 17.99% p.a.

Rates & fees

  • Purchase interest rate. This card charges an interest rate of 17.99% p.a. on purchases.
  • Interest-free days. This card offers up to 55 days interest-free on purchases, with the interest-free period starting at the beginning of each statement period.

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85 Comments

  1. Default Gravatar
    Richard
    January 16, 2015

    I am so sorry about this I was redirected to this site was not knowing that this is not a Bankwest site.

    Reply
    • AvatarStaff
      Jonathan
      January 19, 2015

      Hi Richard,

      Thanks for your inquiry,

      We are an online comparison service and are not directly affiliated with Bankwest. If you are after the Bankwest site a ‘Go to Site’ option is available on the right hand side of the page.

      I hope this helps!

      Cheers,

      Jonathan

      Reply
  2. Default Gravatar
    Richard
    January 16, 2015

    Can you please let me know where is the branch that I can go to? I have made a effort to call the number to change my current credit card to a no fee credit card. after verifying all security question that I was redirected to someone else for further questions and inform me that I have to go to a branch to verify myself…

    If you can accept on line applications without seeing the customers why do you need to see me after 13 years to verify myself to you?? I can not even close my account over the phone?? be charging the annual fees?

    Further more where is a branch anyhow?? I am living in Brisbane??

    Reply
    • AvatarStaff
      Elizabeth
      January 16, 2015

      Hi Richard,

      Thanks for your question.

      You’ve come through to finder.com.au, as a comparison service we can’t really comment on Bankwest’s requirements for cancelling a credit card/swapping your credit card accounts. I’ve emailed you a link where you can find your nearest branch.

      I hope this will help.

      Thanks,

      Elizabeth

      Reply
  3. Default Gravatar
    Jim
    February 27, 2014

    Are there any fees for withdrawing cash in Australia and overseas?

    Reply
    • AvatarStaff
      Jacob
      February 27, 2014

      Hi, Jim.

      Bankwest do not currently charge a overseas ATM fee for balance checks and cash withdrawals. Local ATM operator fees will still apply. You may also be charged a cash advance fee is you’re drawing from your available credit.

      Thanks for your question.

      Reply
  4. Default Gravatar
    Phillip
    January 15, 2014

    Hi, I sent my bank statement by mail 7 days ago to verify my income, could check if you have received it.
    Thanks, Phillip

    Reply
  5. Default Gravatar
    Phillip
    January 8, 2014

    Hi, my Master card application has been successful,

    Bankwest are asking me for verification two most recent pay slips! but I don`t work I am retired I have age pension goes direct to my bank account.

    Can you help me with this dispute?

    Thanks.

    Reply
    • AvatarStaff
      Jacob
      January 8, 2014

      Hi, Phillip.

      Thanks for your question.

      If you are unable to provide pay slips, you can fax in the last three months worth of your bank statements. You can send via fax to this number: 1300 765 515.

      I hope this helps.

      Reply
  6. Default Gravatar
    Louis
    December 7, 2013

    Any information on the income requirements for the Bankwest Zero Gold and Platinum MasterCard?

    Reply
    • AvatarStaff
      Jacob
      December 9, 2013

      Hi Louis.

      If there is no minimum income requirement listed for a particular product, you will be assessed on your ability to service the minimum credit limit.

      Thanks for your question.

      Reply
  7. Default Gravatar
    Ashish
    August 14, 2013

    Just wondering this offer is not showing on Bankwest website.Is this still a legit offer from the bank .Hope there is no compromise on my information.

    thanks .

    Ash

    Reply
    • AvatarStaff
      Jacob
      August 14, 2013

      Hi Ash.

      This is an exclusive offer to finder.com.au. If you would like to confirm the offer, please click through to the application page to check the terms. The fist page of the application will list the balance transfer promotional rate as well as any other promotions. I hope this has helped.

      Thanks for your question.

      Jacob.

      Reply
  8. Default Gravatar
    Dave
    August 6, 2013

    Could u please tell me if there is any fee on balance transfer, during balance transfer period like 9 months does 55 day interest fee period still apply?can application for a bank west card be approved within 2 weeks or so as when I get the credit card bill 2 weeks before due date (if balance transfer cannot be settled before due date, I will have to pay interest on amount owing to my bank.
    During the 9 months of balance transfer, how many % do I have to repay? What is the annual income to qualify for the $0 annual fee,0% balance transfer for 9 months Bank west zero mastercard? Any establishment fee involved?
    Please email me those answer. Thanks

    Reply
    • AvatarStaff
      Shirley
      August 6, 2013

      Hi Dave,

      Thanks for your comment.

      I’ve emailed you regarding your query.

      Cheers,
      Shirley

      Reply
  9. Default Gravatar
    Henry
    July 29, 2013

    Hi,

    I’m an existing Bankwest customer.

    What is the balance transfer rate for existing customer?

    Thanks,

    Henry

    Reply
    • AvatarStaff
      Jacob
      July 29, 2013

      Hi Henry. Thanks for your question. Please contact Bankwest directly for this information. Jacob.

      Reply
  10. Default Gravatar
    Tina
    June 12, 2013

    Hi Jacob, please disregard this query about not seeing your reply dated 3 June as I had internet issues and did see your original reply. Apologies for my oversight. Thanks for your assistance and reply. Tina

    Reply
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