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Pros
2.99% on balance transfers rate for 9 months
Great for emergencies as it has no annual fee
Up to 55 days interest free on purchases
Cons
Cash advance rate of 21.99% p.a.
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
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
| Interest Rates | |
| Purchase rate | 17.99% p.a. |
| Cash advance rate | 21.99% p.a. |
| Interest free on purchases | up to 55 days |
| Balance Transfer | |
| Balance transfer rate | 2.99% p.a. for 9 months |
| Balance transfer fee | No fee |
| Balance Transfer revert rate | 17.99% p.a. |
| Balance transfer limit | 95% of your approved new credit limit |
| Balance transfer from personal loan | No |
| Banks you can't balance transfer from | Bankwest |
| Credit limits | |
| Minimum credit limit | $1,000 |
| Maximum credit limit | $25,000 |
| Fees & repayments | |
| Annual fee | $0 p.a. |
| Additional cardholder fee | Up to 3 at no extra cost |
| Cash advance fee | 2% |
| Foreign transaction fee | 2.95% |
| Minimum repayment | 2% |
| Late payment fee | $25 |
| Credit card type | Mastercard |
| Complimentary insurance | |
| Flight inconvenience insurance | No |
| Transport accident cover | No |
| Smartphone screen insurance | No |
| Purchase protection insurance | No |
| Extended warranty insurance | No |
| Rental vehicle excess cover | No |
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.
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.
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.
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.
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.
With the Bankwest Zero Mastercard, you will receive 2.99% p.a. on balance transfers for the first 9 months, and won’t pay an annual fee for this card either.
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.
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.
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.
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.
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.
Bankwest Zero Credit CardI 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 cardI 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 cardPurchase rate 17.99% p.a.
Cash advance rate 21.99% p.a.
Interest free on purchases up to 55 days
Balance transfer rate 2.99% p.a. for 9 months
Balance transfer revert rate 17.99% p.a.
Balance transfer from personal loan No
Balance transfer fee No fee.
Balance transfer limit 95% of approved credit limit
Banks you can't balance transfer from Bankwest
Minimum credit limt $1,000
Maximum credit limit $25,000
Annual fee $0 p.a.
Additional card holder fee Up to 3 at no extra cost
Foreign transaction fee 2.95%
Minimum repayment 2%
Cash advance fee 2%
Late payment fee $25
Overseas travel insurance No
Flight inconvenience insurance No
Transport accident cover No
Smartphone screen insurance No
Purchase protection insurance No
Extended warranty insurance No
Rental vehicle excess cover No
With the Bankwest Zero Mastercard, you will receive 2.99% p.a. on balance transfers for the first 9 months, and won’t pay an annual fee for this card either.
Be over 18 years old
Good Credit and have not applied for multiple credit cards recently
Resident or citizen of Australia. Temporary residents are eligible.
Minimum income of $20,000 p.a.
You have your personal details ready to complete the online application
Roland B Bleyer founded Creditcard.com.au in 2005 and has extensive knowledge about credit cards. He personally answers all questions and write the editor reviews for each card here. Always keen to share his passion to educate consumers and help you select better suited credit cards.
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