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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.

Finder Awards winner

The Bankwest Zero Platinum Mastercard is one of the few cards that offers a $0 annual fee and no foreign transaction fees, combined with a 0% balance transfer offer. This gives you a way to save on some key credit card and travel costs.

This card's 14.99% p.a. purchase interest rate is also relatively low for a no annual fee, platinum card. Its other features are relatively simple and include mobile payments with Apple Pay, Samsung Pay and Google Pay. But unlike many other cards, it does offer digital card which you can use through the app before your physical card arrives.

Pros

0% p.a. on balance transfers for 28 months
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

Winner of the 2024 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.

At the end of the introductory period, any remaining balance transfer amount will attract the card's ongoing 14.99% p.a. balance transfer rate.

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

Image: Finder Customer Satisfaction Logo

Congratulations, Bankwest!

The Bankwest Zero Platinum Mastercard received the following awards in the 2024 Product Awards.

'Travel Credit Card' - Winner
'Balance Transfer Credit Card' - Highly Commended

Full list of 2024 winners

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 a permanent resident of Australia.
New customers. If you want to take advantage of the balance transfer offer on this card, you need to be a new Bankwest Zero Platinum Mastercard customer.

Eligible balance transfer debt. If you plan to take advantage of the balance transfer offer, you can transfer from $500 up to 95% of your credit limit from cards not issued by Bankwest.
Age. You must be at least 18 years old to apply.

Required documents

Personal details. This includes your full name, date of birth, residential address, email address and contact number.
Identification. You're required to submit details of at least two forms of the following identification: driver's licence, Medicare card, or passport.
Employment details. This includes details of your position, length of employment and your employer's contact details.
Financial information. This covers any other forms of your income, expenses, debts and assets.

Card benefits

$0 annual fee. Unlike many platinum cards, the Bankwest Zero Platinum Mastercard doesn't charge an annual fee.
Balance transfer offer. This card offers 0% p.a. on balance transfers for the first 28 months, which starts on the date your card is opened. A 3% balance transfer fee also applies. At the end of the introductory period, the balance transfer rate reverts to 14.99% p.a. While Bankwest does not have a set date when this offer will end, it is only available for a limited time.

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.
Mobile wallets and contactless payments. This card can be linked to Google Pay, Samsung Pay and Apple Pay, available on compatible Android, Samsung and Apple devices.
Digital cards. Once you've been approved, you can access and activate your new credit card through the Bankwest app. This means you can use your card to shop online or make mobile contactless payments before you receive your physical card.

Rates & fees

Interest rate. This card has a standard purchase rate of 14.99% 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 (excluding any balance transfers) by the due date. This can help give you time to reap the benefits of the card before incurring interest.

Cash advance rate. Cash advances, such as ATM withdrawals and gambling transactions, will immediately attract a 21.99% p.a. interest rate.
Cash advance fee. As well as the cash advance interest rate, a fee of 3% of transaction amount or $4 (whichever is greater) is charged when you make a cash advance transaction.

Sources

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Amy Finder

Editor

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Michael

July 05, 2024

Hi, can I apply if I’m self-employed?

Sarah Megginson Finder

July 17, 2024

Hi Michael,

The bank will assess your application based on your verified income. You can definitely apply if you are self-employed, but they will generally want to see 2 years worth of tax returns to verify your income.

Hope this helps!

Juliann Boardman

June 24, 2024

Hi, does this card come with free travel insurance

Thanks

Sarah Megginson Finder

June 27, 2024

Hi Juliann,

No, this card doesn’t come with complimentary travel insurance.

James

June 17, 2024

How many credit card can I own with Bankwest?

Sarah Megginson Finder

June 20, 2024

Hi James,

There is a limit of one Bankwest Breeze Mastercard, one Bankwest Zero Mastercard, one Bankwest Qantas Mastercard and one Bankwest More Mastercard per customer.

Daniel

May 28, 2024

Hi there does Bankwest accept balance transfers from CBA credit cards? I understand BankWest is a subsidiary of CBA now and accepts BTs from ‘non-BankWest-issued cards’ yet am unsure if CBA would be included or excluded? Thanks

Sarah Megginson Finder

July 17, 2024

Hi Daniel,

CBA is not specifically listed in the terms and conditions, which you can read here. Based on these Ts and Cs, it looks like a CBA balance transfer is eligible.

Hope this helps!

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David S

May 11, 2024

Hi, why was this card better than the Bendigo Bank Ready CC which seemed very comparable? Cheers

Sarah Megginson Finder

May 17, 2024

Hi David,

Each of these cards has different benefits, depending on your needs. The Zero Platinum card offers up to 28 months interest free if you wish to transfer some debt and pay it off over time, saving a lot of money on interest as you go. The Ready Credit card offers $0 international transaction fees and up to 55 days interest free on purchases, so they each suit different needs.

Hope this helps!

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Bankwest Zero Platinum Mastercard

Pros

Cons

Congratulations, Bankwest!

How to apply

Eligibility criteria

Required documents

Card benefits

Rates & fees

Your reviews

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