Bankwest Zero MasterCard – Details & Application

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Showing 31 Questions

1. 1
   James K. June 8th, 2011 at 4:21 pm

   If I get a Bankwest Zero MasterCard, can I log onto internet to view balance and transactions?
   Can I get a credit limit of $8,000?

2. 2
   Doug June 14th, 2011 at 3:31 pm

   Please make sure the Bankwest Zero MasterCard can earn point. i checked the Bankwest website, it says the card can not earn point.

   Thanks

   Doug

3. 3
   Jeremy June 15th, 2011 at 11:30 am

   Hi Doug

   Thanks for your comment

   You are correct – there is no rewards program as such, however, there are special offers and incentives through the Bankwest RewardMe program which offers instant discounts and savings when you make purchases with your Bankwest MasterCard.

   Cheers

   Jeremy

4. 4
   Dinah Rashid June 16th, 2011 at 11:27 am

   Are there any monthly fees or any other hidden fees

5. 5
   Jeremy June 16th, 2011 at 12:28 pm

   Hi Dinah

   Thanks for your comment

   Here is a sample of some of the other fees on the Bankwest Zero MasterCard (current as of 16/06/2011)
   Foreign Transaction Fee: 2.95%
   Cash Advance Fee: Greater of 2% or $4.00
   Over the Limit Fee: $30
   Late Payment Fee: $35
   Dishonour Fee: $10

   Any other fees and charges are outlined in the terms and conditions or the Bankwest credit card schedule of fees.

   Cheers

   Jeremy

6. 6
   tom July 17th, 2011 at 4:13 pm

   reward me program, is it that I do not get a choice of what and when I can use my loyalty points, or is it like junk mail in the post, most of the time trees are killed for no reason because there is no info to compare what one rewards can be

7. 7
   Jeremy July 18th, 2011 at 11:58 am

   Hi Tom

   Thanks for your comment!

   Yes you certainly get a choice of what you which offers you would like to go with.

   It is more of a loyalty program. When you use your Bankwest MasterCard, you have the opportunity to receive discounts on things like travel, accommodation, gifts, dining and entertainment.

   Cheers

   Jeremy

8. 8
   Jeremy July 18th, 2011 at 12:13 pm

   Hi Tom

   I just followed up with Bankwest regarding this request, and unfortunately the Bankwest RewardMe program is no longer available

   Cheers

   Jeremy

9. 9
   Katie Feder July 19th, 2011 at 11:44 am

   Hi

   I am a UK citizen but live here and have been sponsored on a 457 visa for five years.

   Would this mean I could qualify for the card or not?

   Thank you

10. 10
    Jeremy July 19th, 2011 at 12:11 pm

    Hi Katie

    Thanks for your comment

    It is possible in some cases to get a credit card on a 457 Visa, however, you would not be able to apply through the online application for Bankwest.

    With this query, it is best to organise an appointment with Bankwest at one of their branches, where you will need to present your 457 Visa for their review.

    Cheers

    Jeremy

11. 11
    Margaret July 22nd, 2011 at 8:03 am

    Would my application & my details be processed in Australia or does it go off shore

12. 12
    jenny July 22nd, 2011 at 11:45 am

    Why have they left the minimum income blank? Why is there no information on the minimum income required?

13. 13
    Jeremy July 25th, 2011 at 10:21 am

    Hi Margaret

    Thanks for your question.

    Your application would be processed here in Australia.

    Cheers

    Jeremy

14. 14
    Jeremy July 25th, 2011 at 10:32 am

    Hi Jenny

    Thanks for leaving a comment.

    That’s a great pick-up. We can confirm the that minimum income for the Bankwest Zero MasterCard is $19,000 per annum.

    Cheers

    Jeremy

15. 15
    joesph barnett July 31st, 2011 at 5:13 pm

    what are the ATM transaction fees thanks

16. 16
    Jeremy August 2nd, 2011 at 8:47 am

    Hi Joseph

    Thanks for your question.

    Cash withdrawals from an ATM will be charged at the cash advance interest rate

    Cheers

    Jeremy

17. 17
    Jack. August 19th, 2011 at 11:48 am

    Living in regional SA how do you pay for this account when it becomes due. Thank you.

18. 18
    Max Ferguson September 21st, 2011 at 8:47 am

    Can I set up automatic payment before the due date from, say, ANZ bank a/c
    Max Ferguson

19. 19
    Jeremy September 21st, 2011 at 3:23 pm

    Hi Max

    Most credit cards have direct debit functionality. It is best to ensure that you pay the card off and in full to avoid interest charges

    Cheers

    Jeremy

20. 20
    Adele October 10th, 2011 at 1:00 pm

    Can I get Qantas Frequent Flyer points by using any one of these three cards. If not – do you offer any cards that can earn Qantas Frequent Flyer points with no annual fees

21. 21
    Cassie October 17th, 2011 at 1:28 pm

    Does this card have international fees in USA? I am Australian travelling to America and would like to know the rate of using my card in America for purchases and cash advances?

22. 22
    Christian November 20th, 2011 at 9:00 pm

    So is there no foreign currency conversion fee?

23. 23
    Jeremy November 21st, 2011 at 11:14 am

    Hi Christian

    Thanks for your comment

    There is a foreign transaction fee of 2.95% payable for each transaction occurring outside Australia, whether in foreign currency or Australian dollars.

    Cheers

    Jeremy

24. 24
    Elsebe Kirkness November 21st, 2011 at 3:50 pm

    If I pay my holiday (flights and hotel) with my credit card does this give me any travel insurance? If yes, what sort of cover do I get.
    Thanks
    Elsebe Kirkness

25. 25
    cat January 21st, 2012 at 8:46 am

    if i applied for this card to use for a balance transfer would this close my previous card with another institution as i want to keep this open as well as getting new card

26. 26
    Katie January 23rd, 2012 at 9:45 am

    If I apply for this credit card and get approval, how do I transfer funds from a different credit card over and if I was to close this credit card in the future once paid off, what is the process? Do I have to go into a branch or can it be done over the phone or online?

27. 27
    Jeremy February 10th, 2012 at 10:13 am

    Hi Katie,

    If you were to get approved for this card, to transfer funds across is a relatively simple procedure. It is possible to transferring the outstanding amount through the balance transfer option at a low rate of interest. Please have a look at our article on balance transfers if you have any questions – http://www.creditcardfinder.com.au/how-does-a-balance-transfer-help-save-money.html – Once the balance transfer is complete closing the account is an easy process and can be done over the phone or in person at a Bankwest branch. Thanks for the question, hope this helps.

    Cheers
    Jeremy

28. 28
    Jeremy February 10th, 2012 at 10:22 am

    Hi,

    Thanks for the question. You do have the option of keeping the account open once the balance transfer has been applied for and processed. Please contact your financial institution for further information. Cheers.

    Jeremy

29. 29
    Jeremy March 5th, 2012 at 5:26 pm

    Hi Elsebe,

    Thanks for the question. As an added benefit you will receive a range of complimentary insurance options. In addition to International Travel Insurance you also receive Purchase Security Insurance, Extended Warranty Insurance, Best Price Guarantee, Interstate Flight Inconvenience Insurance and Transit Accident Insurance. You will be covered by these plans if you purchase your return flight on your Bankwest card prior to leaving the country. You are covered for 6 consecutive months for medical and misadventure while overseas. Please refer to the terms and conditions for full details regarding the insurance policy cover. Hope this helps, thanks. – http://www.bankwest.com.au/library/pdf/PDS_20060801-154923.pdf?promoCode=CCF

    Cheers,
    Jeremy

30. 30
    beverly March 5th, 2012 at 7:37 pm

    Hi I would like to apply for this credit card. but one of the requirement is to be a permanent australian resident. im on my spouse visa and i already lodged my application for my Permanent Residency. am i eligible to apply this one? or should i really need to wait for my PR first? thanks

31. 31
    Jeremy May 15th, 2012 at 10:14 am

    Hi,

    Thanks for the question. For information on credit cards for temporary residents please check this page – http://www.creditcardfinder.com.au/credit-cards-for-temporary-residents – It is best to speak to your lender directly to make sure you are aware of all the application requirements. Cheers,

    Jeremy