Bankwest - Zero Classic Mastercard
The Zero Classic credit card has a $0 annual fee and an introductory balance transfer rate of 0% for 28 months, reverts to 14.99% p.a.. It has a minimum credit limit of $1,000 and up to 55 days interest-free on purchases.
A $0 annual fee and an initial balance transfer rate of 0% for 28 months.
Annual Fee
$0 per year
Balance Transfer
0% for 28 months reverts to 14.99% p.a.
3% BT fee applies.
3% BT fee applies.
Purchase Rate
14.99% p.a.
Interest Free Period
up to 55 days
Details
Card Type
Mastercard
Minimum Repayment
2% or $20
per statement, whichever is greater
Interest Free Period
up to 55
days
Minimum Credit Limit
$1,000
Fees
Annual Fee
$0
per year
Late Payment Fee
$25
per statement
Cash Advance Fee
3% or $4
per transaction, whichever is greater
Additional Card Holder Fee
$0
Additional Card Holder Cap
up to 3
additional holders
Rates
Purchase Rate
14.99% p.a.
Cash Advance Rate
21.99% p.a.
Balance Transfer
Balance Transfer
0% for 28 months
reverts to 14.99% p.a.
3% BT fee applies.
3% BT fee applies.
Balance Transfer Limit
95%
of credit limit
Balance Transfer Fee
3%
per transaction
Overseas Spending
Foreign Currency Conversion Fee
2.95%
per transaction
Eligibility
Minimum Age
18
years old
Temporary Residents
No
Joint Application
No
Perks
Complimentary Travel Insurance
No
Airport Lounge Access
No
Who is the product designed for?
These customers are likely to have the following objectives, needs, financial situation and must meet the eligibility criteria for this product:
Objectives & needs
- Require a revolving credit facility with a convenient way to make payments and access cash by using the card attached to the facility
- No annual fee
- Access to interest free days
- Access to promotional features
Financial Situation
- meet Bankwest's credit assessment criteria which includes demonstrating the capacity to make the required repayments without substantial hardship
- choose a credit limit typically above $1000
- will pay a higher interest rate when required under the card contract (compared to some other Bankwest credit cards)
Eligibility Criteria
- be an individual 18 years or older
- be living in Australia as an Australian citizen or Australian permanent resident (exceptions may apply)
- meet Bankwest’s credit assessment criteria which includes demonstrating the capacity to service the credit facility
Visit Bankwest to view Target Market Determination Effective From: 2023-09-28.
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