Winner of the 2023 Finder Award for Best Travel Credit Card, the Bankwest Zero Platinum gives you a few ways to save on card costs – including 0% foreign transaction fees and no annual fee ever. Right now, it also offers 0% p.a. on balance transfers for 28 months with a 3% balance transfer fee.
Bankwest Zero Platinum Mastercard

- Balance transfer rate for 28 months with 3% balance transfer fee
- 0% p.a.
- Purchase rate
- 14.99% p.a.
- Annual fee
- $0 p.a.
- Interest-free on purchases
- Up to 55 days
Our verdict
The Bankwest Zero Platinum has no annual fee for life and offers 0% p.a. on balance transfers for 28 months, but with a 3% balance transfer fee.
Pros
-
0% p.a. on balance transfers for 28 months
-
Complimentary overseas travel insurance
-
0% foreign transaction fees online and overseas
-
3 additional cardholders at no extra cost
Cons
-
Even with a $0 annual fee and 14.99% p.a. purchase rate, you must still be approved for a $6,000 minimum credit limit.
-
Charges a one-time 3% balance transfer fee
Details
Product details
Product Name | Bankwest Zero Platinum Mastercard |
Balance transfer rate p.a. | 0% for 28 months with 3% balance transfer fee, then 14.99% |
Balance transfer limit | 95% of available limit |
Purchase rate p.a. | 14.99% |
Interest-free period | Up to 55 days on purchases |
Cash advance rate p.a. | 21.99% |
Min credit limit | $6,000 |
Card type | Mastercard |
Eligibility
Available to temporary residents | No |
Joint application | No |
Rewards
Bonus points | N/A |
Fees
Annual fee | $0 |
Minimum monthly repayment | 2% of the closing balance or $20, whichever is greater |
Late payment fee | $25 |
Foreign currency conversion fee | 0% |
Cash advance fee | 3% or $4, whichever is greater |
Overseas cash advance fee | 3% or $4, whichever is greater |
Overseas ATM withdrawal fee | $0 |
Additional cardholder fee | $0 |
Number of additional cardholders | 3 |
Your reviews

Amy Finder
Editor
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Amy Bradney-George Finder
November 19, 2023
Hi Dar,
There’s no rental vehicle insurance available when you’re travelling in Australia with this card but it does offer interstate flight inconvenience insurance for eligible domestic trips, and the option of rental vehicle excess insurance overseas with an upgraded policy. If you have more questions about the insurance on this card, you could contact Bankwest. Finder also has a guide to credit cards with rental car insurance if you specifically want a card that offers this cover – including some that offer it for eligible trips in Australia. I hope this helps.
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Scott
November 07, 2023
What is the international fee for purchases?

Amy Bradney-George Finder
November 10, 2023
Hi Scott,
The Bankwest Zero Platinum Mastercard does not charge an international transaction fee. Purchases are just converted to Australian dollars based on an exchange rate that’s set by Mastercard International Incorporated, according to the Bankwest Credit Cards Conditions of Use. I hope that helps.
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Ray
October 21, 2023
Can I apply for this offer if I am self employed?
What proof would be required for my income?

Amy Bradney-George Finder
October 22, 2023
Hi Ray,
Yes, providing you meet the other eligibility requirements you can apply for this card when you are self-employed. Please keep in mind that Finder is an independent website and does not issue this card, so you would need to apply through Bankwest. You would need to provide your 2 most recent Tax Assessment Notices from the Australian Taxation Office (ATO). Bankwest may also request copies of your taxation and financial reports from your accountant, dated within the past 18 months. I hope this helps.
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Lucas
October 12, 2023
If I load up the card in advance with AUD, can I withdraw cash from the ATM in a foreign country without being charged Cash advance fee? (I’d prefer not, but sometimes cash is still needed here and there)

Amy Bradney-George Finder
October 23, 2023
Hi Lucas,
Unfortunately, ATM withdrawals made with a credit card would still typically be processed as cash advances and attract the cash advance fee. Banks also have different policies around carrying a balance above your credit limit, so you may want to contact Bankwest to discuss your specific plans. You could also consider ordering foreign currency before you leave, or getting a debit card with no foreign transaction fees or a pre-loadable travel money card. I hope this helps.
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Trevor
September 29, 2023
Can I transfer debt from my spouse’s credit card to a new Bankwest Zero Platinum Mastercard in my name?

Amy Bradney-George Finder
October 03, 2023
Hi Trevor,
According to Bankwest’s balance transfer terms and conditions, you can request a balance transfer from a non-Bankwest Australian credit card, store card or charge card that’s held by you or an additional cardholder on your account. So if your spouse is an additional cardholder it would be possible to request a balance transfer. I hope this helps.
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dar2302
November 19, 2023
If I book car hire in Australia with my Platinum card, will I receive complimentary insurance cover for the hire period ?