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Want a card that’s not burdened with unnecessary fees? Check out the Bankwest Zero Classic Mastercard, a credit card that offers zero annual fees, so you can enjoy the convenience of having a card without worrying about extra costs piling up.
Whether you’re new to credit cards or simply looking for a hassle-free option that won’t break the bank, the Bankwest Zero Classic could be the perfect choice.
Why Choose the Bankwest Zero Classic?
Zero Annual Fees
The biggest drawcard of the Bankwest Zero Classic is right there in the name, zero annual fees. This means you can keep the card in your wallet without having to worry about paying for the privilege.
It’s a great option if you’re looking for a basic credit card that won’t cost you just to have it around. Whether you use it frequently or just keep it for emergencies, the lack of an annual fee makes this card a smart choice for budget-conscious Aussies.
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Interest-Free Days
On top of no annual fees, the Bankwest Zero Classic offers up to 55 days interest-free on purchases. This feature gives you plenty of time to pay off your balance without incurring interest, provided you pay your balance in full each month.
It’s a handy benefit that can help you manage your cash flow more effectively, especially if you need a bit of breathing room between paydays.
Worldwide Acceptance
As a Visa card, the Bankwest Zero Classic is accepted pretty much everywhere, whether you’re shopping online, grabbing groceries, or travelling overseas.
This makes it a reliable option for both everyday use and those times when you’re out and about, giving you the peace of mind that comes with knowing your card will be accepted wherever you go.
Fraud Protection and Security
Security is a top priority with the Bankwest Zero Classic. The card comes with 24/7 fraud monitoring and Visa’s zero liability policy, which means you won’t be held responsible for unauthorised transactions.
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This added layer of protection ensures that you can use your card with confidence, knowing that you’re covered if anything goes wrong.
Digital Wallet Compatibility
In today’s fast-paced world, being able to pay on the go is essential. The Bankwest Zero Classic is compatible with digital wallets like Apple Pay, Google Pay, and Samsung Pay, so you can tap and go with your smartphone, making it even more convenient to use your card whenever and wherever you need it.
Bankwest Zero Classic Introductory Offer
For new customers, the Bankwest Zero Classic offers an enticing introductory promotion: 0% p.a. on purchases and balance transfers for the first 6 months.
This offer can be particularly advantageous if you’re looking to transfer an existing balance from another card or make purchases without incurring interest initially. It’s worth noting that a 3% balance transfer fee applies, and after the introductory period, the standard rates of 18.99% p.a. will kick in.
Things to Consider Before Applying
While the Bankwest Zero Classic has a lot going for it, there are a few things to keep in mind before you apply.
No Rewards Program
One of the trade-offs with the Bankwest Zero Classic is that it doesn’t come with a rewards program. If you’re someone who likes to earn points, cashback, or other perks on your spending, this card might not tick all the boxes.
The focus here is on keeping costs low, so if rewards are a priority, you might want to look at other options in the Bankwest range.
Higher Interest Rates for Cash Advances
As with most credit cards, the Bankwest Zero Classic charges higher interest rates on cash advances. If you’re planning to use your card for withdrawing cash, be aware that these transactions can become expensive quickly, with a rate of 21.99% p.a. and an additional fee of 3% or $4, whichever is greater. It’s generally best to avoid using your credit card for cash advances unless necessary.
Foreign Transaction Fees
Another thing to note is the foreign transaction fee of 2.95% which applies to purchases made in a foreign currency. This fee can add up if you frequently shop online from overseas retailers or travel regularly, so it’s something to keep in mind if you plan to use the card for international spending. Remember, this fee is waived for Platinum customers, so if you’re considering an upgrade, that could be a significant advantage.
What You Need to Apply for the Bankwest Zero Classic
If you think the Bankwest Zero Classic might be the right card for you, here’s what you’ll need to apply:
- You Must Be 18 or Older: Like all credit cards in Australia, you need to be at least 18 years old to apply.
- Australian Residency: You must be an Australian citizen or a permanent resident to qualify for the card.
- A Good Credit History: A solid credit history is key to getting approved. Bankwest will check your credit score as part of the application process, so it’s a good idea to make sure your credit report is in good shape before applying.
- Proof of Income: You’ll need to provide evidence of a stable income to show that you can manage the credit card. While Bankwest doesn’t always specify a minimum income, showing that you have regular earnings will increase your chances of approval.
- Valid Identification: As part of the application process, you’ll need to provide identification documents, such as a driver’s licence or passport, to verify your identity.
How to Apply for the Bankwest Zero Classic
Applying for the Bankwest Zero Classic is simple and can be done online in just a few steps:
Step 1 – First, visit the Bankwest website:
Step 2 – Navigate to the credit cards section. Once you’ve found the Bankwest Zero Classic, click on it to get more details and start your application.
Step 3 – Choose your option:
- I’m an existing Bankwest customer: You can apply faster via online banking or through the online form.
- I’m a new Bankwest customer: Use the easy online application.
Step 4: Complete the online form with your personal details.
Step 5: Submit your application.
After submission, you’ll generally receive a decision within a few business days. If approved, your card will be mailed out, typically arriving within 5 to 7 business days.
Common Questions About the Bankwest Zero Classic
Here are a few frequently asked questions about the Bankwest Zero Classic:
How long does it take to get approved for the Bankwest Zero Classic?
Approval times can vary, but you can usually expect a decision within a few business days. Once approved, your card should arrive in 5 to 10 business days.
What kind of credit score do I need to be approved?
While there’s no set number, having a good credit score will help your chances. It’s always a good idea to check your credit report before applying.
Can I apply in person?
Yes, you can apply for the Bankwest Zero Classic in person at a Bankwest branch if you prefer, but applying online is quicker and more convenient.
Can I increase my credit limit later on?
Yes, once you’ve been using the card for a while, you can request a credit limit increase through your Bankwest online account or by contacting customer service.
What should I do if I can’t make my minimum payment?
If you’re having trouble making a payment, it’s important to get in touch with Bankwest’s customer service as soon as possible. They can discuss options like payment plans or temporary relief.
How to Contact Bankwest for Support
If you need help with your Bankwest Zero Platinum Mastercard, there are several ways to get in touch with Bankwest:
- Phone: You can call Bankwest’s customer service for assistance with your account, whether it’s about billing inquiries, reporting a lost card, or general support: 13 17 19 or fax: 1300 765 515
- The Bankwest App:
Email: Email: For non-urgent inquiries, you can email Bankwest’s customer service. Log in to Bankwest Online Banking, go to ‘Message center’ then click ‘Bankmail’.
Visit a Branch: If you prefer face-to-face assistance, you can visit a Bankwest branch to speak with a representative: Click here, to find a branch!
