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Pros
No annual fee
Accessible $1,000 minimum credit limit
Cons
2.95% foreign transaction fee
TimGreater Melbourne (Outer), VIC
- 10 reviews
- 2 likes
Very good card
I have had this one for a few years now and the interest rate and fees are much better that the four big banks. Staff have always been great to deal with. Happy to recommend this one.
- Special Purchases
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MichaelMontville
- 2 reviews
Works for me
I have had no problems . It does what it should and I only use it for domestic expenditure and settle it in full at the end of each month so no issues.
- Everyday Expenses
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Regional bank with regional mentality
Excellent for overseas use love the the zero foreign transaction fees and the app. With no branch anywhere near me it is a pain to deal with on the phone as I’d checks have to be done with Aust post and we know how bad they are
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PjbCOBURG NORTH
No service. No answers.
Applied for a card on-line and was rejected 60 seconds later. Semi retired owned our house 3 sources of income no loans or outstanding debts. All financial details given. Told didn’t meet lending criteria. Rang to ask why - told this was private info under information privacy laws and would not be disclosed to me!! Went to 28 degrees and was immediately accepted. Poor form BankWest.
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Terrible customer service, conflicting information and lengthy process
Took 20 days to get a decision. During this 20 days I had to provide 3 months bank statements have my ID verified at branch. First they told me approved when I chased them for update, then I received a call telling me it wasn’t approved. I was told they couldn’t update me on 2 occasions because it was being handled by the ‘back office’ Got approved with virgin in the end, much easier process and took 1 week. Your loss Bankworst!
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Vonski
- 3 reviews
Vonski
HORRENDOUS service!!!! Been trying for MONTHS to get a matter resolved. Keep getting charged late fees even though payments are set up auto and always on time. Cannot get this fixed. This month over $100 of additional fees!!!!! are they kidding me? this is THEIR issue, NOT me not paying my bills. I advise everyone to avoid this bank like the plague! Have to give one star as there is no minus score. Otherwise its a minus 10 from me!
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Minimum service, no customer protection, ING & Amex are way better
If you just use it as a basic functioning card, and fingers crossed things never go wrong, it will probably be ok. Their app is very backwards and payment is still processed in the most old fashioned way. Does not support Apple Pay. Nothing compared to the American Express app on my phone.
Applied for the card for a trip to Europe wishing to take advantage of paying no overseas transaction fee. Used this for a trip in Italy and got scammed off by a dodgy travel company - paid but didn't receive any service. The transaction dispute with BankWes...Read more
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I agree with the other retiree.
Zero debt,.good credit rating, money in bank, plenty of assets.They kept promising the card would arrive before leaving for OS. Last day still no card and after many calls not even the courtesy of a call to say no deal. Result no card, no service. It,s not "My Bank" and never will be.
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AnnaMelbourne
- 4 reviews
Uptight Credit Limit but Can't Complain When There's No Annual Fees
Originally I was aiming for the Zero Platinum Mastercard which has a minimum credit limit of $6000. However when I applied through their online application form, it only granted me a maximum credit limit of $4000. I tried to get around this by contacting them when I had to verity details for conditional approval, but they could only do what the computer told them to do. So now I have the Zero Mastercard which has no annual fees but not like the Platinum which offers no foreign transaction fees and travel insurance. I think it's a bit uptight gi...Read more
ven that I'm with ANZ for a credit limit of $7000. Excellent credit score (I checked to be sure) and good income etc. I'll be cancelling my ANZ card anyways because I'll save $58 a year on annual fees and hopefully BankWest will offer credit limit increases in the future and a Platinum upgrade down the track.Similar opinion? Write a review on ieatwords.com.au!
Find out how BankWest Zero MasterCard compares to other No Annual Fee Credit Cards
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DisgruntledKINGS BEACH
RETIREES DON'T BOTHER APPLYING
I recently applied and was refused a bankwest mastercard with no reason given (sensitive information). I am a 59 yo self funded retiree of 11 yrs. Like another reviewer holding substantial liquid assets, high levels of superannuation, owning outright 4 properties and an unblemished credit rating one would think a very good credit risk. Apparently better off earning a regular wage and saddled with debt to be considered creditworthy.
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JCA
- 5 reviews
- 5 likes
- Verified customer
Biased against retirees
Having recently retired and spending lots of time overseas, I applied for the Bankwest platinum MasterCard as a back up overseas credit card. I own my own house (worth 750k) have a couple of hundred grand in the bank, new car, perfect credit rating etc but what I don't have is an income. I only wanted a 5 or 6 k limit. Not good enough for Bankwest. Ignored all my cash and house value wouldn't give me a card because I had no income. Put up as many roadblocks as they could until I emailed them and said don't bother. Not even the decency for a response. Its as if they believe you are worthless after age 55. Funny, they are not the only bank out there, although they clearly believe they are.
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Glenn HAU
- 2 reviews
- 1 like
- Verified customer
No customer service
Applying for a credit card from Bankwest I waited about 3 weeks and checking on the progress twice by phone and once by email I still have no reply. I told the customer service all I wanted to know was yes or no and they promised to get back to me. Two weeks later and still no reply from them. This is disgusting service to someone with a faultless credit history (this should not matter) to just giving me an update. Nil customer service in this case.
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MagooAdelaide
- 3 reviews
Atrocious Experience!
BankWest would be the hardest bank in the world to deal with. They absolutely go out of their way to make it too difficult to open up an account with them. The process is onerous, intrusive, and a waste of time. There are better products out there, with Banks that actually WANT your business. I won't ever bother trying to deal with them again, and I suggest you don't either.
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MikeGSouth West, WA
- 6 reviews
- 4 likes
BankWest red tape
I asked to have my zero MasterCard upgraded to a platinum zero card. Although I'm retired and get a small centrelink pension, I'm relatively wealthy. Unbelievably, BankWest put all kinds of roadblocks in the way to avoid increasing my credit limit from $2000 to a measely $6000. I was not amused especially since I've been a customer for 65 years and I've taken out four mortgages and never missed a payment. Customer loyalty means nothing to BankWest. I told them they can stick their platinum card. I have accounts and credit cards with other banks, none of which have shamefully treated me like BankWest.
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Mick
- 3 reviews
Bankwest only care about themselves and profit
In 3 years had a 20% income reduction, now pay increase for 2 years and none coming. All costs of living have skyrocketed included a recent 20-33% transport fare increase.
Tried to have card cancelled to go on to long term plan. Other provider agreed in 5 minutes.
They said no, have their own set of rules making it impossible. The extortionate interest kept getting charged, the fees are being piled on. Paid more than the minimum required only for it be swallowed by the interest, fees and charges they deem applicable. They ending up charging m...Read more
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Find out how BankWest Zero MasterCard compares to other No Annual Fee Credit Cards
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Careful ConsumerBrisbane
- 2 reviews
- 6 likes
Highly Recommend this-Anything to Avoid 28 Degrees MasterCard
I'm comparing my experiences with a previously held product ( being 28 Degrees MasterCard ).
I keep my overseas travel costs on a separate card to the one I use for my Australian life.
This is to protect/minimise fall out from needing to cancel cards due to fraud whilst overseas.
I always pay the full balance owing on an issued statement, at least two business days before the Due Date. Interest Rate % charges are therefore not a concern or factor when I select credit cards. Efficient customer service is one of the leading factors, plus I look for Fee-Free cards. The added attraction with this BankWest card is NO International Transaction/Foreign Currency fees for purchases.
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MathewsMelbourne
Zero Master Platinum - Excellent card
FEATURES - annual fee-FREE, travel insurance-COMPLIMENTARY, Foreign Transaction fees-FREE, 55 days interest-FREE. Even though it has higher interest, it does not matter for people who pay their balances in full by the due date. What else do you want? I have just applied for the card and I have recommended the card to many of my friends and most of them have switched over to this card. I will be getting my card this week and I am excited to do the first purchase with this card.
I used my credit card overseas and it was crystal clear and simple....Read more
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BaconLoverGreater Melbourne (Inner), VIC
- 54 reviews
BankWest is just a pain in the ares
Unprofessional dealings on the phone. Calls me on the phone from 'private number' and hung up on me a number of times without leaving a message. Not dealing with them ever again! Stay away please.
No Fee, 55 days interest fee period, quick access to customer care
Interest fee is higher those who do not pay off in full can get affected.
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BibbityBobMetropolitan Adelaide, SA
- 4 reviews
- 4 likes
Awesome credit card for those who pay within the 55 days!
Platinum version is the way to go, no annual fees, no foreign transaction fees (for international purchases, eBay, PC Steam account, etc.), free travel insurance (look into this one, have not used it yet), 55 days interest free.
Never paid a cent in 6 years for anything, I always pay it off via Bpay from my mortgage account 2 days before due date, fantastic!
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Harvey WilsonSouth East Queensland, QLD
- 100 reviews
No Fee, No Fuss
I joined Bankwest after my home loan finished and my Nab Visa was going to start charging an annual fee. I have had no problem with Bankwest, applying online was a breeze and everything so far is good.
The only downside is PayPass, I don't for the life of me know how someone thought less security was a good idea on credit cards. Paypass should be banned. My financial security is worth more than saving a few seconds at a register.
Bankwest (and all banks for that matter) should have the option to have cards without PayPass after all, the ...Read more
customers make your money. Don't we count? One more thing, showing the Bankwest processing date shown online is useless to customers, we don't care when YOU process it, please change it to the transaction date! It makes it hard to know what some transactions are when the shown date is 2-4 days after the transaction date. -Deducted two stars for Paypass. Edit: Two times in one year my card was compromised. Maybe it was bad luck but in all my years of banking, only Bankwest has had this happen. Hats off to the fraud department for catching it before I even knew about it. Well done.Similar opinion? Write a review on ieatwords.com.au!
Questions & Answers
Edward F.asked
Where do you get your fees from if this is a "Zero Fee" card? All banks need to make a profit from someone. Where does this card make a profit? Is it from the exorbitant rate of interest if balance not paid by the due date? Or is it from use of the card overseas?
No answers
graeme quinnasked
how can i upgrade my zero card to a platinum card
Sandyasked
Hi,
Could you please tell me what is included in Prepaid overseas itinerary items.
Thanks.
No answers
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