Bankwest Zero Classic Mastercard
A credit card for everyday spending with no annual fee.
- Purchase rate
- 18.99%
- Annual fee
- $0.00
Interest Rates
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Introductory · 6 months 0% p.a. for 6 months on balance transfers after your Card is approved. After the intro period, the ongoing balance transfer rate applies. Limited time for new Zero Mastercard customers only. Minimum balance transfer amount is $500 and a balance transfer request will only be processed up to 95% of your approved credit limit. Only non-Bankwest branded credit cards can be balance transferred to Bankwest Mastercard credit cards. Other fees and T&Cs apply. · Only available to new Bankwest Zero Mastercard customers. Excludes product transfers from existing Bankwest credit cards. | 0% | — | Term 1–6 months |
| Introductory · 6 months 0% p.a. for 6 months on purchases after your Card is approved. After the intro period, the ongoing purchase rate applies. Limited time for new Zero Mastercard customers only. Other fees and T&Cs apply. · Only available to new Bankwest Zero Mastercard customers. Excludes product transfers from existing Bankwest credit cards. | 0% | — | Term 1–6 months |
| Purchase The rate you'll pay on purchases if you're not eligible for an interest free period. | 18.99% | — | — |
| Balance transfer The rate you'll pay on balance transfers after any introductory period. |
Fees
| Fee | Type | Amount |
|---|---|---|
| Cash Advance Fee 3% of transaction amount or $4 (whichever is greater). Payable for transactions that the annual cash advance percentage rate applies to. | Cash advance | 3% of transaction |
| Foreign Transaction Fee Foreign transactions are transaction occurring outside of Australia whether in foreign currency or Australian dollars including if you are in Australia (for example, online) where the merchant or the financial institution or entity processing the transaction is located overseas. | Transaction | 2.95% of transaction |
| Late Payment Administration Fee 1 · Payable for each statement period that the minimum payment is not processed to your card account by the due date. This includes any amount shown on your card account statement as amount due immediately"." | Late payment | $25.00 |
| Dishonour Fee Payable each time a periodical payment or a cheque deposit to your Card Account is dishonoured | Dishonour | $0.00 |
| Paper Statement Fee Charged monthly · Payable for each paper Card Account Statement sent to you. Fee is waived if opted-in to e-statements. | Ongoing | $1.25 |
Instalment Plans
- Plan Splits
- 4 instalments
- Concurrent Plans
- Up to 5
- Minimum Plan Value
- $100.00
- Maximum Plan Value
- $10,000.00
Features
- Card access — Digital Card
- Start spending instantly. No need for a physical card.
- Card access — Virtual Cards
- Make purchases without using your regular card details. Create a single-use or multi-use virtual card in the app.
- Additional cards — up to 3
- You can ask for up to three other people to have an additional Card (excluding a Virtual card)
- Balance transfers
- Balance transfer your non-Bankwest credit card balances. Conditions apply.
- You can bank over the phone.
- Bill payment (BPAY) — BPAY
- Make bill payments electronically through BPAY
Eligibility
- Minimum age — 18 yearsCustomers must be 18 years or older.
- Individuals onlyCustomers must be an individual.
- Customers must meet Bankwest's credit assessment criteria, which includes demonstrating the capacity to service the credit facility.
- Residency status — Australian citizen or Australian permanent residentCustomers must be living in Australia as an Australian citizen or Australian permanent resident (exceptions may apply)
Constraints
- Minimum limit — $1,000.00Minimum credit limit $1000.
More Information
Published by Bankwest under the Consumer Data Right · Last updated 3 July 2026 · Product ID 7de7d67b87ba44adbbb34f15a873a2c1 · View on CDR.gov.au · View Source Data (JSON)