Bankwest Zero Credit Card

Roland Bleyer

Credit Card Expert with over 15 years card experience and the founder of Creditcard.com.au. Ask Roland a Question 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, and free worldwide emergency card replacement.

What we love...

One of 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. As long as you understand the card’s interest free feature, you can take advantage of up to 55 days interest free 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.

It’s safe to say there is not an overabundance of features on the Bankwest Zero Credit Card. But there is one feature in particular we like. Providing wearable contactless technology, the Bankwest Halo payment ring lets you tap-and-go at the checkout, while leaving your wallet at home. No need for an app or charger, just an easy way to pay.

To get your hands on one, you will need to provide a $39 fee, your choice of the two colours available, and your sizing information. Your ring will then be made specially for you. It is waterproof up to 50m, so it can be worn pretty much everywhere. Going for a jog? Heading out on the bike? Your wallet is with you with the Halo payment ring.

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, and also provides free worldwide emergency card replacement.

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, free worldwide emergency card replacement and compatibility with Bankwest’s Halo payment ring.