Bankwest
No annual fee, 0% p.a. on purchases and balance transfers for 6 months, credit limits from $1,000, instant digital card access. Quick application online.
The Bankwest Zero Mastercard offers a straightforward way to manage everyday expenses, eliminating annual fees entirely. For new customers, a special introductory offer is available: 0% p.a. on purchases and balance transfers for the first 6 months, with a 3% balance transfer fee. After that, the standard rate is 18.99% p.a. on purchases and balance transfers, and 21.99% p.a. for cash advances. Credit limits start at $1,000 for the Classic card and $6,000 for the Platinum, making it accessible for many.
How to Apply Step-by-Step
To start your application, you’ll need photo identification, employment details, and information on your income, assets, and debts. First, head to Bankwest’s online application page and fill in your personal details. Next, provide financial information and upload supporting documents. Submit your application and await a decision, which often comes quickly. If approved, you can start spending instantly with your digital card.
Key Pros of the Bankwest Zero Mastercard
No annual fee keeps ongoing costs low, which is ideal for budget-conscious Aussies. The 0% p.a. introductory period on purchases and balance transfers gives you breathing room if you want to manage your finances with flexibility during the first 6 months.
Platinum cardholders also enjoy no foreign transaction fees, making this card especially appealing for travellers or those who shop online from international retailers. Up to 55 days interest-free on eligible purchases further supports smart spending.
What To Consider
Once the introductory offer ends, the purchase and balance transfer rates revert to 18.99% p.a., which is relatively standard but higher than some low-rate cards available. Classic tier cardholders are charged a 2.95% foreign transaction fee, so if you regularly make overseas purchases, upgrading to Platinum might be better.
There are also no reward points, insurance, or travel benefits connected to the Zero Mastercard, which may make other premium cards more appealing if you want perks beyond basic spending.
Il nostro verdetto
The Bankwest Zero Mastercard is well-suited for those wanting a no-frills, low-maintenance credit card with a generous introductory offer and no annual fee. If you prefer simplicity and are diligent with repayments, this card is a very attractive pick for everyday spending.
