Bankwest Zero MasterCard

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Card features
balance transfer
purchase rate
annual fee
Money saved
Pay no annual fee as long as you hold the card.
2.99% p.a. for 9 months on balances transferred.
Up to 55 days on purchases
Add to comparison
9 months
2.99% p.a.
then 17.99%
17.99% p.a.
saved over 9 months
Similar cards

Pros & cons

What's good?

What's not so good?

Pay no annual fee as long as you hold the card.
2.99% p.a. for 9 months on balance transfers for new customers.
Up to 55 days on purchases.
Add up to 3 additional cards at no extra cost.
Free worldwide emergency card replacement.
Pay faster using MasterCard PayPass.
There is a cash advance rate of 21.99% p.a.

User reviews

3.3 out of 5.0 based on 13 reviews92% of reviewers would recommend this card

Rates and fees
Customer service

Reviews from users

No frills - just what I want

Reviewed and recommended by Mel on 16 Nov 2016

Like the title states, I want a credit card with no frills.
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 decision-making as I only purchase what I need.

Generally pleased with this card

Reviewed and recommended by Julie on 27 Oct 2013

I have a Bankwest Zero Mastercard because I have always banked with Bankwest since I was a teenager. Although on the whole the credit card is good it should have flybuys or something added to it to promote better offers.
I would also like to have more access on the online app for my own account to transfer money and pay bills, I used to be able to do this but now cannot.

Pretty happy overall

Reviewed and recommended by Alira on 02 Jul 2016

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 because we are very good at paying the balance on time, and it helps us to make online purchases and pay bills. We have been able to increase the limit a few times. We don’t have reason to change cards or providers at this stage.

Competitive interest rate makes up for no rewards

Reviewed and recommended by Trish on 17 Jul 2016

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 its low rates.

Excessive security

Reviewed and recommended by Sarah on 21 Sep 2016

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, leaving me with no card for some days. They claim they are cancelling it because my card was used to purchase something at a business, within the last five years, that has since been linked to possible hacking problems. I’m sick of having my card cancelled without any discussion with me. I think I should have a say in whether I want my card to be cancelled or not, depending on what actually happened to trigger the call to me.

It's handy, with minimal fees

Reviewed and recommended by Peter on 09 Oct 2016

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 banking.

Pay all my bills by direct debit with no hassles

Reviewed and recommended by Nadia on 01 Nov 2016

I love it. There’s no interest if the balance is paid off each month. It’s easy to use and I love Bankwest — very happy.

Both my husband and I use it in a joint account. We have no issues and it works well for us. We direct debit all bills using this card and it makes our lives a lot easier, without the hassles of everyday banking that we used to get with other banks. I would highly recommend this card.


Reviewed and recommended by Kate on 20 Jun 2016

I have been with Bankwest for many years. I have found this product to be reliable and consistent without any nasty surprises. The bank have been reasonable should I have accidentally missed a payment. They have been more then accommodating and have reversed late fees and interest associated with this.

Good credit card for basic use

Reviewed and recommended by Hayley on 01 Jul 2016

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 and ING to Bankwest, I’m glad I made the transfer. A++ from me.

I haven't saved a lot with this card

Reviewed and not recommended by Justin on 21 Oct 2016

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 service excellent, and the convenience is great for making deposits outside business hours as I can visit the machine 24 hours a day and cash a cheque or deposit money.

Have I saved as much as I wanted with my MasterCard? No. I haven’t met my goal and will probably sacrifice convenience and customer service for a card that offers more rewards with a bank that offers higher interest.

Show 3 more reviews
Disclaimer: The opinions expressed about credit cards are the reviewer's alone, and do not reflect the views of Credit Card Compare or the credit card issuer. Reviews have not been approved or otherwise endorsed by Credit Card Compare.

The basics

About this card

Card setup
Card tier
Card type
Card use
Credit rating
Gambling transactions allowed
Joint application
Minimum age
18 years old
Minimum income
Minimum income for pensioners
Same as standard
Rewards program
Temporary residents


Additional cardholders
Additional card fee
$0 p.a.

Credit limits

Minimum credit limit
Maximum credit limit


Interest charged from
Purchase date
Interest free period
Up to 55 days on purchases
Minimum repayment

Balance transfers

The offer

Interest ratePeriodFeeLimitRevert rate
Balance transfers2.99% p.a.9 months0%95% of credit limit17.99% p.a.

Balance transfers to this card

Balance transfer earns rewards
Balance transfer fee payment due
First statement
Balance transfer from personal loan
Balance transfer processing time
10 - 14 days
Interest free days with unpaid balance
0 days
Maximum balance transfer
95% of credit limit
Available to existing customers

Banks you can't balance transfer from

You can't balance transfer to the Bankwest Zero MasterCard at the promotional balance transfer rate from:

  • Aussie
  • Bankwest
  • Commonwealth Bank

Rates & fees

Promotional interest rates

Interest ratePeriodFeeLimitRevert rate
Balance transfers2.99% p.a.9 months0%95% of credit limit 17.99% p.a.
PurchasesN/AN/AN/AN/A N/A

Ongoing interest rates

Cash advances 1.83% 21.99% p.a.
Purchases 1.50% 17.99% p.a.


Annual fee
$0 p.a.
Cash advance fee
Dishonour fee
Duplicate statement fee
Foreign exchange fee
Late payment fee
Over limit fee
Overseas ATM balance fee
Overseas ATM withdrawal fee
Overseas emergency card replacement fee
Transaction verification fee

Minimum criteria for this card

What you need before applying

Be over 18 years old
You are a resident or citizen of Australia
Earn a regular income of more than $20,000 per year
You have your personal details ready to complete the online application
Have not applied for multiple credit cards recently
Joint applications are not allowed
Temporary residents are eligible
Age Pension is acceptable.
Disability Pension, Overseas Pension, Veteran's Pension and Widower's Pension are not acceptable.
Income from pensions is not allowed
Disclaimer: The minimum criteria pointers are intended only to be a guide. Your application may still be rejected by the bank even if you can answer 'Yes' to all the minimum criteria. The final decision regarding your application is up to the bank.

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