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Bankwest Zero Credit Card
Bankwest Zero Credit Card

Bankwest Credit Cards

Bankwest Zero Credit Card

Updated 2 January 2024

With the Bankwest Zero Mastercard you pay no annual fee. For a limited time, new customers will enjoy 0% p.a. on balance transfers for the first 28 months, a 3% balance transfer fee applies. Add up to 3 additional cards at no extra cost. Pay with your compatible device using Apple Pay and Google Pay™.

New customers only. Other fees, T&Cs apply.

Purchase Rate (p.a)


Balance Transfer (p.a)

0% for 28 months 3% balance transfer fee applies.
Reverts to 14.99% p.a.

Annual Fee (p.a)


$0 over 28 months

My transfer amount

Balance transfer from:

My annual fee

My interest rate

Pros and cons

  • Pay no annual fee as long as you hold the card
  • 0% on balance transfers for 28 months with 3% balance transfer fee (reverts to 14.99%). New customers only.
  • Purchase rate of 14.99% p.a.
  • Add 3 additional card holders at no extra cost
  • Up to 55 days interest free on purchases
  • Pay with your compatible device using Apple Pay and Google Pay™

  • Cash advance rate of 21.99% p.a. review

Editor Review

Bankwest Zero Credit Card

Pauline Hatch
Pauline is a personal finance expert at, with 8 years in money, budgeting and property reporting under her belt. about this card.

The Bankwest Zero Credit Card

As the name suggests, the Bankwest Zero Credit Card has zero annual fees. That means for the life of the card, cardholders pay no annual fee, helping to keep ongoing costs down. As a fairly basic no annual fee card, it keeps things simple in terms of features, providing up to 55 days interest free on purchases. This card also includes a special offer on balance transfers - 0% p.a. on for the first 28 months with a 3% balance transfer fee.

What we love...

One of the things we love about the Bankwest Zero Credit Card is its simplicity. This is a card that keeps it simple, which can make it a great choice for cardholders who don’t need – and don’t want to pay for – lots of added extras. As a nice no frills option, this card has no annual fee, and to be honest, not much else.

While some cards may allow cardholders to earn rewards on their card spending, and other cards may provide extravagant extras such as airport limo service and VIP lounge access, the Bankwest Zero Credit Card has none of that. Instead, it focuses on providing cardholders access to credit, while charging them nothing in annual fees.

But, the savings don’t stop there. New customers can also take advantage of the 0% interest on balance transfers for 28 months (with a one-off 3% balance transfer fee) introductory offer. This will give you ample time to repay your transferred balance and save money on interest costs. What makes this offer even better is that after the intro period, the balance transfer rate reverts to the Standard Balance Transfer Rate of 14.99% instead of the higher cash advance rate.

Another money-saving feature this card offers is interest free days on purchases. That means, as long as you clear your balance each month by the due date, you can benefit from interest free shopping, with up to 55 days to pay.

What’s not so great...

While it may help to keep costs low with no annual fee, the Bankwest Zero Credit Card is not a low rate card. Its purchase rate is about average, but it’s not one you’d want to carry a balance on. If you want to make the most of those annual fee savings, you may also want to make sure you clear your balance by the due date to avoid interest accruing.

Why should you choose this card?

There are plenty of reasons why you may choose a no annual fee card, such as the Bankwest Zero Credit Card. A no annual fee can be a great card to keep in your wallet for emergencies. You’re not paying anything to keep it there – as long as you clear your balance – so it can simply act as a backup, should you need access to credit in the future.

Of course, you may also choose a no annual fee card because you want to save money. If you’re not bothered about features and rewards, this card could give you everything you need, while allowing you to keep costs as low as possible. It has a low $1,000 minimum credit limit.

Overall Rating

A basic option that sells itself on its simplicity, the Bankwest Zero Credit Card has no annual fee ever, with up to 55 days interest free on purchases, and compatibility with Apple Pay and Google Pay™.

User reviews

Bankwest Zero Credit Card ( based on 6 user reviews )

54% rating based on 6 reviews

Customer Service
0% Visitor

20 May 2013

I chose this card because of the $0 annual fee. Customer service is extremely poor. No one could seem to work out how their systems actually work. They're based in Western Australia but still there seems to be a communication barrier. Tried the American Express $0 instead. So much better and very professional. I would say you get what you pay for, but American Express card was free too but the service is 5 star

Does not recommend this card

Charlie Jamieson

28 January 2013

I chose this card because of the no annual fee. I've had credit cards before that I seemed to spend far too much on annual fees. The 0% on purchases was good to start off with as well. I bought a laptop with my card and it means I should pay it off without interest adding up on it.

Recommends this card

Rates and fees

Interest rates

Purchase rate 14.99% p.a.

Cash advance rate 21.99% p.a.

Interest free period on purchases up to 55 days

Balance transfer

Balance transfer rate 0% p.a. for 28 months

Balance transfer revert rate 14.99% p.a.

Balance transfer from personal loan No

Balance transfer fee 3% one off

Balance transfer limit 95% of approved credit limit

Brands you can't balance transfer from Bankwest

Credit limits

Minimum credit limit $1,000

Maximum credit limit N/A

Fees & repayments

Annual fee $0 p.a.

Additional cardholder fee Up to 3 at no extra cost

Foreign transaction fee 2.95%

Minimum repayment 2% or $20 (whichever is greater)

Cash advance fee 3% or $4 (whichever is greater)

Late payment fee $25

Additional features

Complimentary insurance

International Travel Insurance No

Flight Inconvenience Insurance No

Transit Accident Insurance No

Smartphone Screen Insurance No

Purchase Protection Insurance No

Extended Warranty Insurance No

Rental Vehicle Excess In Australia Insurance No


Pay with your compatible device using Apple Pay and Google Pay™


Bankwest Zero Credit Card

Key features

  • Pay no annual fee as long as you hold the card
  • 0% on balance transfers for 28 months with 3% balance transfer fee (reverts to 14.99%). New customers only.
  • Purchase rate of 14.99% p.a.
  • Add 3 additional card holders at no extra cost
  • Up to 55 days interest free on purchases
  • Pay with your compatible device using Apple Pay and Google Pay™

Minimum criteria to apply for this card

  • Be over 18 years old

  • Good Credit and have not applied for multiple credit cards recently

  • Resident or citizen of Australia

  • You have your personal details ready to complete the online application


Pauline is a personal finance expert at, with 8 years in money, budgeting and property reporting under her belt. Pauline is passionate about seeing Aussies win by making their money – and their credit cards – work smarter, harder and bigger

Recently Asked Questions

Something you need to know about this card? Ask our credit card expert a question.

11 questions (showing the latest 10 Q&As)



17 June 2022
what would be the monthly minimum repayment on zero credit on balance transfer of $10500
    Pauline -


    20 June 2022
    Hi Bev, thanks for your comment. You can use our credit card repayment calculator to get an estimate on your required repayments. You can then use the calculator above the table to input your details to see how much you’ll save. Also worth having a read of our key balance transfer rules, as we explain why it’s important to make more than the minimum monthly payment.
Caroline FitzRoy

Caroline FitzRoy

23 May 2021
How do I apply on line? The website will not transfer through.
    Roland B Bleyer - Founder


    24 May 2021
    Hi Caroline, thanks for your question! You can click on the Go To Offer button at the top of this page, or you can use this LINK for your convenience.


12 November 2019
I am an aged pensioner earning roughly 18000 a year I have a good credit rating . Can I get a fee free credit card
    Roland B Bleyer - Founder


    13 November 2019
    Hi Jean, no annual fee credit cards are harder to get approved for. It could be possible to get approval for the Bankwest Zero. Bankwest can see the pension as income. Approval depends on a range of factors. Income v Expenses, Assets v Liabilities and your credit history being very income numbers. If you are putting away some money each month this shows the bank you have excess funds that could be used to make payments.
Joyce Ward

Joyce Ward

22 December 2018
What is your minimum amount and do you accept people on age pension


26 February 2018
Can I set up automatic monthly B-Pay from my existing bank account ?
    Roland B Bleyer - Founder


    27 February 2018
    Hi Peter, you can setup automatic direct debit. This will mean that any outstanding balance could be paid monthly from a said bank account. Reach out to Bankwest Zero credit card customer service for assistance.
Peter W Herman

Peter W Herman

1 February 2018
Morning, I am on a pension,I am also a renter.I lost my home and car due to a fault on my credit and its never got any better.Due to the fact that I have a LOUSY credit rating and have for the past 4-5 years,I am unable to obtain a credit card,purely for backup. Can you recommend a card that would suit me or how do I get over this stigma of lousy credit rating and why do banks and building societies rely on this rubbish so often...They,VEDA have no ideas what is my back pocket every they
    Roland B Bleyer - Founder


    2 February 2018
    Hi Peter, in Australia it is very hard to get a credit card with bad credit. There are regulations in place that stop banks lending at certain points. When I had even a paid default on my credit file I could not get approved for a new card. I waited the 5 years until it came off my file before I then started to apply for credit again. Your bad credit past hopefully will drop off your credit report soon and then you will be in a much better position to look at getting a new credit card.
Sonya pointing

Sonya pointing

21 December 2017
How long does it take to get card
    Roland B Bleyer - Founder


    28 December 2017
    Hi Sonya, typically it takes 5-10 working days to process the application.
Ralitza Bell

Ralitza Bell

19 July 2016
I already have this card. I am interested to know what would be the interest rate for a balance transfer to my Bankwest Zero credit card. I could not find this information on your website. Thanks, Ralitza
    Roland B Bleyer - Founder


    20 July 2016
    Hi Ralitza, the balance transfer offer is typically only available for new cards, not existing customers though you can contact the bank to see if they would do one. The balance transfer rate on this card is 2.99% for 9 months.


2 July 2015
Please advice annual income required for Bankwest Zero card. Thanks.
    Roland B Bleyer - Founder


    2 July 2015
    Hi Barbara - Bankwest don't list an annual income requirement. If you have good credit and a good job then its worth applying.


16 October 2014
Hi I'm seriously considering applying for a Bankwest Zero Mastercard, but was just needing to know: - do you need to go into a branch to pay once your bill summary comes in or can you pay at the post office. - is there a charge for using the card for online purchases? Thanks in advance Kristy
    Roland B Bleyer - Founder


    16 October 2014
    Hi Kristy, the most convenient way to pay is online - there is no additional charge for purchasing online and if you qualify for the platinum version then no foreign exchange fees which is awesome if you buy in other currenices. Below are the different ways you can pay your bankwest card bill: Online - Bankwest Online Banking from your desktop PC or mobile device - Direct payments Setting up a Direct Debit is a great way to ensure that you never miss a payment. Just complete this Direct Debit Form telling us where you want the money to come from and when you want the payments to occur. BPAY® means you no longer need to write cheques or return forms. Simply contact your financial institution with the Bankwest Biller Code (9100) and your credit card number as a reference or Chequ - Your statement will be sent in a reusable reply paid envelope to allow you to send a cheque back to us. Just remember not to send cash! Good luck with your application - this is a good credit product, especially the Platinum verison. You have just 1 application form for the standard, gold and platinum - depending on credit criteria they will offer you up to platinum all with no annual fee. Good luck with your application.


30 May 2013
When your balance transfer interest free period is over i.e . 9 months what interest rate do you pay on the remaining balance. Is it the purchase rate or the cash advance rate?
    Roland B Bleyer - Founder


    31 May 2013
    Hi Shelly you pay the purchase rate then, currently 17.99%, on any remaining balance.

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