Bankwest Zero Platinum Mastercard

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Save with a $0 annual fee, 0% foreign transaction fees and complimentary travel insurance with the Bankwest Zero Platinum.

You can cut costs when spending overseas with the Bankwest Zero Platinum. The card charges $0 annual fee, 0% foreign transaction fees and offers up to 55 interest-free days on purchases.

2.99% p.a.

Balance transfer rate

for 9 months

17.99% p.a.

Purchase rate

$0 p.a.

Annual fee

55 days

Interest free period


Product NameBankwest Zero Platinum Mastercard
Balance Transfer Rate2.99% for 9 months
Balance Transfer Revert RateBalance Transfer Revert Rate (17.99%)
Balance Transfer Limit95% of available balance
Purchase Rate17.99% p.a.
Annual Fee$0
Interest Free Period55 days
Cash Advance Rate21.99% p.a.
Minimum Credit Limit$6,000
Card TypeMastercard
Foreign Currency Conversion Fee (Visa/Mastercard)0%
Complimentary Travel InsuranceYes
Minimum Age18 years of age
Available to Temporary ResidentsYes
Joint ApplicationNo


  • 2.99% p.a. for 9 months on balance transfers
  • 3 additional cardholders at no extra cost
  • 0% foreign transaction fees


  • Even with a $0 annual fee and 17.99% p.a. purchase rate, you must still be approved for a $6,000 minimum credit limit.
Annual Fee$0
Minimum Monthly Repayment2% of transaction value or $20, whichever is greater
Late Payment Fee$25
Foreign Currency Conversion Fee (Visa/Mastercard)0%
Cash Advance Fee2% or $4, whichever is greater
Overseas Cash Advance Fee2% or $4, whichever is greater
Overseas ATM Withdrawal Fee$0
Additional Cardholder Fee$0
Number of Additional Cardholders3

Expert review

Sally McMullen

Review by

Sally McMullen is Finder's credit cards and frequent flyer editor by day and a music maven by night. Her byline can be spotted on Yahoo Finance, Dynamic Business, Financy and Mamamia as well as Music Feeds and Rolling Stone.

Expert review

The Bankwest Zero Platinum Mastercard could be a low cost card companion on your next overseas trip. It’s one of the few cards that offers both $0 annual fee and no foreign transaction fees, so it won’t burn a hole in your pocket if you’re spending overseas and paying your balance in full each month.

Bankwest also offers a free worldwide emergency card replacement service, so you won’t be stranded without funds if your card is lost, stolen or damaged while you’re travelling.

How to apply

You can apply for the Bankwest Zero Platinum Mastercard and complete the online application in around 15 minutes. You should receive a response from Bankwest immediately. Before you apply, make sure you've met the eligibility requirements and have the necessary documents to include:

Eligibility criteria

  • Residency. You must be an Australian citizen or permanent resident.
  • Age. You must be at least 18 years old to apply.

Card benefits

  • $0 annual fee. Unlike many platinum cards, the Bankwest Zero Platinum Mastercard doesn't charge an annual fee.
  • No foreign transaction fees. While most cards charge a fee of 1-4% for international transactions, the Bankwest Zero Platinum charges 0%. This could help you save significantly if you regularly travel overseas or frequently shop online with international merchants.

Rates & fees

  • Interest rate. This card has a standard purchase rate of 17.99% p.a.
  • Interest-free days. You can take advantage of up to 55 interest-free days on purchases when you pay your balance in full by your closing balance date, including any cash advances and balances. This can help give you time to reap the benefits of the card before incurring interest.

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  1. Default Gravatar
    July 6, 2019

    Can I load my Bankwest Zero Platinum Mastercard in credit to avoid being charged the cash advance interest rate?

    • AvatarStaff
      July 6, 2019

      Hi Nicole,

      Thanks for your question.

      Yes, you can deposit funds so that the card in is credit of your own money. While no cash advance interest is charged when you do this, we do charge a cash advance fee of $4 (If the card is not in credit and the withdrawal takes funds from the credit limit it would be $4 or 2% of the total amount of the transaction- whichever is the greater amount).

      Hope this helps! For any further questions, feel free to reach out to us again, we’re here to help.


  2. Default Gravatar
    June 19, 2019

    Does this MasterCard charge for Withdrawals at ATM’s

    • AvatarStaff
      June 20, 2019

      Hi Sharon,

      Thanks for your inquiry.

      Below are the fees for ATM withdrawals depending on the nature of withdrawal:

      Overseas ATM Withdrawal Fee $0
      Overseas Cash Advance Fee 2% or $4, whichever is greater

      Hope this helps! For any clarifications, feel free to message us again.


  3. Default Gravatar
    May 21, 2019

    I have the Zero Platinum card & would like to know exactly what I am covered for with the free international travel insurance.

    • AvatarStaff
      May 22, 2019

      Hi Lawrence,

      Thank you for getting in touch with Finder.

      Kindly check out this page for more info on Bankwest Credit Card Complimentary Insurance. The said page has info on how you’d be eligible for the complimentary travel insurance, what you’re covered for, how to claim etc.

      I hope this helps.

      Thank you and have a wonderful day!


  4. Default Gravatar
    May 15, 2019

    We recently purchased flight tickets to UK ($4,400) and was told that as a platinum MasterCard holder was entitled to travel insurance through our card. Can you tell me what I am covered for? Is it flight costs only? Lost or delayed luggage? Insured for all of the 3 weeks we will be in UK? Covered for any medical costs?

    • AvatarStaff
      May 16, 2019

      Hi John,

      Thanks for reaching out to Finder!

      You and your family members are entitled to complimentary international travel insurance when you purchase your return travel tickets using this card. You’re also required to use the card to pay for at least $500 of your prepaid travel costs. Cover is automatically provided for a period of up to 6 months, and starts from the date of departure on your return ticket. You’ve insured for overseas medical and dental expenses as well as a range of other events and you can refer to this page.

      Hope this was helpful. Don’t hesitate to message us back if you have more questions.

      With care,

  5. Default Gravatar
    May 6, 2019

    Travel insurance on Bankwest Platinum credit card. What if you want to declare a pre existing condition who is this done through, please?

    • AvatarStaff
      May 7, 2019

      Hi Susan,

      Thank you for getting in touch with Finder.

      Bankwest Platinum credit card complimentary travel insurance is now underwritten by Covermore. You may learn more on this credit card feature on this page.

      I hope this helps.

      Thank you and have a wonderful day!


  6. Default Gravatar
    April 19, 2019

    Hi I am looking at applying the bankwest 0 platinum card for the complimentary travel insurance. I have already paid for my flights using another credit card. Can I pay for my tours on the bankwest card to be covered for the complimentary travel insurance? Thanks

    • AvatarStaff
      April 20, 2019

      Hi Celina,

      Thanks for getting in touch with Finder! According to the credit card terms and conditions, you’re automatically covered when you:
      a. travel to an overseas destination
      b. hold a return overseas travel ticket before leaving Australia

      You also need to spend at least $500 on prepaid travel costs (i.e. the cardholder’s travel costs you pay for before leaving Australia), which can include any of the following:
      i. return overseas travel tickets
      ii. airport/ departure taxes
      iii. prepaid overseas accommodation/travel
      iv. prepaid overseas itinerary items

      To add, you can pay by any of the following methods:
      i. charging to your eligible credit card account
      ii. redeeming your Bankwest More Rewards points (excluding points redeemed for Frequent Flyer programs), or
      iii. redeeming travel agency flight vouchers you received when you converted your Bankwest More Rewards points.

      If you meet all of the above criteria, then your spouse and/or accompanied child/children are automatically eligible for this Overseas Travel Insurance as long as each of them:
      a. is traveling to an overseas destination
      b. holds a return overseas travel ticket before leaving Australia
      c. travels with you on the same itinerary for the entire journey
      d. has at least $500 spent on prepaid travel costs
      e. has these costs paid by one (or a combination) of the methods.

      Hope this helps!


  7. Default Gravatar
    April 13, 2019

    If approved for Bankwest Zero Platinum Master card, how long will it take for the card to be sent to me?

    • AvatarStaff
      April 14, 2019

      Hi Sandra,

      Thank you for reaching out.

      Bankwest’s general time frame is you should receive your credit card within 10 business days after you get approved. Although this is still dependent on the postal service in your area. Please keep in mind that this time frame is a “worst case scenario” set by Bankwest.

      Hope this helps.

      Kind Regards,

  8. Default Gravatar
    March 28, 2019

    I have a Bankwest Zero Platinum Masterecard and would be grateful if you could clarify the following scenario:
    I have a $6000 balance available on my credit card and deposit another $1000 onto my card before leaving Australia to travel overseas. When arriving at my destination I decide to go to an ATM and withdraw $1000, (my funds) from my card what fees if any would I be subjected too?

    • AvatarStaff
      March 30, 2019

      Hi Jan,

      Thank you for getting in touch with Finder.

      You may be charged with cash advance fee of 2% of transaction amount or $4 (whichever is greater). If you want to know more on cash advance transactions with your Bankwest Zero Platinum Masterecard, please contact Bankwest directly.

      I hope this helps.

      Thank you and have a wonderful day!


  9. Default Gravatar
    February 19, 2019

    I understand that one thing to be aware of when using your credit card via BPAY is whether the transaction counts as a purchase or a cash advance. I am considering applying for the Bankwest Platinum Card. How does Bpay work with this card? Also, since this is a Mastercard, is it correct to assume that any purchase made in a foreign currency is first converted into USD , and only then into AUD? If so, is this a disadvantage?

    • AvatarStaff
      February 20, 2019

      Hi Louise,

      Thank you for reaching out to Finder.

      IF you are paying through BPAY using your Bankwest Platinum Card, it will be considered as a credit card payment. You will notice that when you complete your payment method online that the system will advise that you are entering a credit card which in turn will charge the card normally as a credit card and not a cash advance. There is no disadvantage in making a purchase made in foreign currency since the exchange rate will still be the same regardless of what currency it is. Hope this helps!


  10. Default Gravatar
    February 17, 2019

    What is maximum age, if any, on travel insurance cover?

    • AvatarStaff
      February 18, 2019

      Hi Alma,

      Thank you for reaching out to finder.

      Based on the new terms and conditions provided for the complimentary travel insurance:

      “Persons 80 years of age and over are not eligible for
      medical or health related cover under any part of
      Benefit 1: Overseas Emergency Medical and Hospital
      Expenses or Benefit 2: Cancellation Costs and
      Additional Expenses (including Additional expenses).”

      Hope this helps!


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