Bankwest Zero Classic Mastercard
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CardIQ
Good
Overall score, out of 100 · How this works
- 0% purchase56
- 55 days interest-free56
- Balance transfer52
- First timer73
- Low rate63
- No annual fee63
Customer reviews
Based on 12 reviews
Reviewers were happiest with fees.
No frills - just what I want
So no annual fees — tick.Low interest rate — tick.No cumbersome rewards program — tick.I use my credit card to pay bills and other essentials without having to keep track of spending to gain points — just what I need in these leaner times. It makes for much easier…
I haven't saved a lot with this card
I have used Bankwest for a number of years. When I first opened my account and got my card I was drawn by the high savings account interest rates as opposed to any other bank. But in time things change, and the rates are no longer the highest. However, I do find their customer…
Locked interest rate
I find this card helpful and use for most of my everyday activities. I trust this bank and I have a locked interest rate which is great because I have a house to maintain and bills that I don’t need inflated in rates creeping up on me.The fees are higher than most if you do…
It's handy, with minimal fees
It is handy for direct payments with minimal fees. The bank is handy with good customer service. Any problems they have fixed with no fuss and with the card they have very good safety measures in place that make you feel safe and secure with them. I trust this bank with my…
Cheap card, no hidden fees
Good, all-purpose card, with excellent customer service if needed. I have had it for a number of years and am yet to have any problems with it.I would like the interest rate to drop in line with the Reserve Bank rate, but I can’t see any bank doing this. There are no hidden…
Excessive security
I chose this credit card because it has no annual fee and I am still very happy with that feature. The interest rate is high (21%) and there are no rewards whatsoever. Bankwest’s security is excessive. Twice I have had my card cancelled without any warning or communication,…
Competitive interest rate makes up for no rewards
I have had the BankWest Zero MasterCard for eight years now. It is handy and convenient, and its interest charges switch to a competitive 11.99% p.a. after the first year of zero interest charges. Whilst it does not have any reward partners (e.g. airlines) that is OK because of…
Pretty happy overall
I have been pretty happy with this card. I don’t have anything negative to say about it at this stage. The sixty day interest-free period is very beneficial to us. I originally got this card when I opened a home loan account with Bankwest. We have retained the card since then…
Basic no frills credit card
The Bankwest Zero MasterCard has no fees. I really like the online banking setup. It’s very easy to navigate and to see my day-to-day use. It does not offer any rewards, which is a negative, but all in all this is a great no frills, cheap MasterCard.
Good credit card for basic use
I applied for this card to cover sudden expenses. I don’t need to use it very often, but their customer service is very good and when you do need to use it, it’s easy.I would definitely recommend Bankwest and this card to anybody. Having recently transferred from Commonwealth…
Pros & cons
What's good
- 6 months at 0% p.a. on balance transfers, shorter than the 12-month median (3% transfer fee, reverts to 18.99% p.a.).
- 6 months at 0% p.a. on purchases (reverts to 18.99% p.a.).
- No annual fee.
- 2.95% foreign transaction fee, below the 3% most cards charge.
- No fee to add an additional cardholder.
Worth noting
- Earns no rewards points on spending.
Card details
The basics
- Additional cardholder fee
- $0 p.a.
- Card tier
- Standard
- Card type
- Mastercard
- Card use
- Personal
- Credit limit
- $1,000 – $100,000
- Credit rating
- Good
- Rewards program
- None
Eligibility
- Instant approval
- Yes (response in ~60 seconds)
- Joint application
- No
- Minimum age
- 18 years old
- Minimum income
- Not specified
- Residency
- Australian citizen or permanent resident
- Temporary residents
- Not eligible
Rates & fees
Ongoing interest rates
- Cash advances
- 21.99% p.a.
- Purchases
- 18.99% p.a.
Fees
- Additional cardholder fee
- $0
- Annual fee
- No annual fee
- Cash advance fee
- 3% of the amount
- Foreign transaction fee
- 2.95%
- Late payment fee
- $25
Repayments
- Interest-free period
- Up to 55 days on purchases
- Minimum repayment
- 2% of the closing balance or $20, whichever is greater
Balance transfers
- Can't transfer from
- Bankwest, Commonwealth Bank
- Limit
- Up to your available credit limit
- Period
- 6 months
- Promotional rate
- 0% p.a.
- Revert rate
- 18.99% p.a.
- Transfer fee
- 3%
While you carry a transferred balance you may not receive interest-free days on new purchases.
Introductory purchase offer
- Intro purchase period
- 6 months
- Intro purchase rate
- 0% p.a.
- Reverts to
- 18.99% p.a.
The intro rate applies to new purchases for the period shown, then reverts to the standard purchase rate.
Rewards
This card doesn't earn rewards points. It focuses on a low cost of ownership instead. If earning points matters to you, compare frequent flyer cards and rewards cards.
Where this card sits vs similar cards
Compared with every other personal credit card we list that has the feature. The further right the dot, the better this card does.
Data as at August 2026. Rates change often, so check the issuer's terms. Factual information, not a recommendation.
Compare side by side
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Questions and answers
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Sources
- Credit Card Compare
- Australian credit card statisticsHow CardIQ scores cards
- Issuer
- Bankwest