Bankwest

Bankwest Zero Classic Mastercard

Bankwest · cred and chrg cards

Provider last updated this product 2026-09-28.

Go to provider You'll complete your application on Bankwest's website. Confirm the rate and fees with them before applying.

Bankwest stopped publishing this product under the Consumer Data Right on 2026-09-30. The figures on this page are the last published; the product is excluded from our comparisons.

A credit card for everyday spending with no annual fee.

Lending rates

Type	Rate	Comparison	Purpose	Repayment	Fixed term	Applies to	Interest
PURCHASE	18.99%	-	UNCONSTRAINED	UNCONSTRAINED	-	-	calculated daily, paid monthly
The rate you'll pay on purchases if you're not eligible for an interest free period.
CASH ADVANCE	21.99%	-	UNCONSTRAINED	UNCONSTRAINED	-	-	calculated daily, paid monthly
The rate you'll pay on any cash advances, including when you withdraw cash
BALANCE TRANSFER	18.99%	-	UNCONSTRAINED	UNCONSTRAINED	-	-	calculated daily, paid monthly
The rate you'll pay on balance transfers after any introductory period.
INTRODUCTORY	0.00%	-	UNCONSTRAINED	UNCONSTRAINED	6 months	1 - 6 months	calculated daily, paid monthly
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.
INTRODUCTORY	0.00%	-	UNCONSTRAINED	UNCONSTRAINED	6 months	1 - 6 months	calculated daily, paid monthly
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.

Fees

Fee	Type	Amount	Details
Cash Advance Fee	CASH_ADVANCE	3.00%	3% of transaction amount or $4 (whichever is greater). Payable for transactions that the annual cash advance percentage rate applies to.
Foreign Transaction Fee	TRANSACTION	2.95%	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.
Late Payment Administration Fee	LATE_PAYMENT	$25	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"."
Dishonour Fee	DISHONOUR	$0	Payable each time a periodical payment or a cheque deposit to your Card Account is dishonoured
Paper Statement Fee	PERIODIC	$1.25	Payable for each paper Card Account Statement sent to you. Fee is waived if opted-in to e-statements.
Over the Limit Fee	EVENT	$10	Payable for each statement period that you exceed your credit limit. This fee only applies to accounts opened and activated before July 2012, where over limit consent has been provided.
Annual Fee	PERIODIC	$0	Save on fees with no annual fee.
Balance Transfer Fee	EVENT	3.00%	Charged as a % of the total balance transfer transaction amount. Payable for each transaction that the introductory balance transfer percentage rate applies to.
Customer Trace Fee	EVENT	$10	Payable each time we have to locate you during the period that you're in default under the card contract.
Credit Card Replacement Fee	REPLACEMENT	$25	Payable on reissue of a lost credit card over the entitled two free reissues per Card Account per calendar year. This fee does not apply to stolen cards when Bankwest is advised of the police report identification number.

Rate history

The figures behind this chart

From	Until	Rate
2026-08-09	2026-09-30 (current)	0.00%

Published figures as captured daily since 2026-08-09. A step is the day the provider's published figure changed; days without a published figure carry the last published value.

Features

card accessadditional cardsbalance transfersbill paymentdigital bankingdigital walletinstalment planfraud protectioninterest freeinterest free transfersnotifications

You can bank over the phone.

Instalment plan

Instalments - 4 monthly instalments
Purchase size - $100 to $10,000
Plans at once - up to 5

Who can apply

min age - 18Customers must be 18 years or older.
natural personCustomers must be an individual.
otherCustomers 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)

Limits

min limit - 1000.00Minimum credit limit $1000.

The provider's own documents

Published by the provider under the Consumer Data Right. These are their documents, not ours - they are the authority on this product.

Last updated by data holder: 2026-09-28T21:30:00.000Z · Product ID: 7de7d67b87ba44adbbb34f15a873a2c1