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Classic
- Free worldwide emergency card replacement
- $1,000 minimum credit limit.
Benefits
No annual fee
Enjoy a $0 annual fee with this card.
Save on foreign transaction fees
No foreign transaction fees for Platinum cardholders. 1
Interest-free period
Get up to 55 interest-free days on purchases. 3 Interest-free days on purchases apply when the total amount owing on your current statement is paid in full by the due date, and you have also paid off your previous month’s balance in full by its due date. Section 24 of our Credit Cards Conditions of Use further outlines how this interest-free period is calculated. Close
Less wallet hassle
Order a Bankwest Halo payment ring that works just like your contactless card. Fist-pump the terminal and go. 4 The Bankwest Halo payment ring is only available to Australian citizens and Permanent or Temporary Residents over 16 years of age with an Australian residential address. Fees and charges apply. Close
There are two types of $0 annual fee cards
Rates and fees
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| Rates | |
|---|---|
| Rate type | Rate |
| Purchase rate ? | 17.99% p.a. |
| Introductory balance transfer rate for the first 9 months 5 | 2.99% p.a. |
| Ongoing balance transfer rate ? The ongoing balance transfer rate is the rate that applies after the introductory period finishes. Close | 17.99% p.a. |
| Cash advances ? Applies to online transfers and using your credit card to withdraw cash. Close | 21.99% p.a. |
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| Fees | |
|---|---|
| Fee type | Amount |
| Annual fee | $0 |
| Foreign transaction fee 1 | Waived (Normally 2.95% of the transaction amount) |
|
Foreign transaction fee
1
|
2.95% of the transaction amount |
| Late payment administrative fee ? When the minimum payment is not processed by the due date. Close |
$25 per statement period |
| Cash advance fee | 2% of transaction amount or $4 (whichever is greater) |
| Dishonour fee ? Each time there is a dishonoured payment into the account. For example, a dishonoured periodical/scheduled payment or cheque deposit. Close |
$10 each time |
|
Paper statement fee
?
Avoid this fee with eStatements. Close |
$1.25 per statement |
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Rates are subject to change. Other fees and charges may apply. A full list of fees will be outlined in your credit card contract.
See the Credit Card Key Facts Sheet (PDF).
Apply today
Here are your next steps...
Check your eligibility
- People 18 years or over
- Australian permanent residents
- One Bankwest Zero Mastercard per customer only.
1
Things you need for your application
- Photo identification such as an Australian driver's licence or passport. Or see a handy list of other ID documents we’ll accept
- Employment details, including length of employment and employer contact numbers
- Financial information including income, expenses and assets.
Already started? Resume your application.
Looking for something else?
We have other cards that could be right for you...
Rewards credit card
More Mastercard
Use your credit card for everyday eligible spending and earn points at the same time.
Low rate credit card
Breeze Mastercard
A good option if you're paying your balance off over time or want to consolidate your debt.
Need help choosing or managing your credit card?
Speak with someone from the team today.
Things you should know
1. Foreign transactions are transactions 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. No foreign transaction fees apply for Platinum customers. Other fees and charges may apply, including when using overseas ATMs.
2. Limitations, exclusions and eligibility criteria apply. See the Complimentary Credit Card Insurance booklet (PDF) for details.
From 1 October 2018 we’re changing our insurance provider as well as the Overseas Travel Insurance cover provided to customers 80 years of age and over. Find out more about the changes to credit card insurance.
3. Interest-free days on purchases apply when the total amount owing on your current statement is paid in full by the due date, and you have also paid off your previous month’s balance in full by its due date. Section 24 of our Credit Cards Conditions of Use (PDF) further outlines how this interest-free period is calculated.
4. The Bankwest Halo payment ring is only available to Australian citizens and Permanent or Temporary Residents over 16 years of age with an Australian residential address. Fees and charges apply.
5. Introductory rate on balance transfers:
- Introductory rate on balance transfers is available to new credit card customers only
- Applies from the date the card is opened, regardless of when any balance transfer is processed by us
- After intro period, the interest rate on any outstanding transferred balance will be charged at the ongoing balance transfer rate as outlined in your credit card schedule
- Minimum balance transfer amount is $500
- A 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.
View balance transfer terms and conditions.
Mastercard and the Mastercard brand mark are registered trademarks, and the circles design and Tap & go are trademarks of Mastercard International Incorporated.