In this guide

  • Our verdict
  • Details
    • Product details
    • Eligibility
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates & fees
  • Your reviews
  • Ask an expert
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Bankwest Zero Platinum Mastercard

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Bankwest Zero Platinum Mastercard
Terms and conditions apply
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.

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

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

In this guide

  • Our verdict
  • Details
    • Product details
    • Eligibility
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates & fees
  • Your reviews
  • Ask an expert

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.

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

Congratulations, Bankwest!

Bankwest’s Zero Platinum Mastercard has taken the gong for the Best Travel Credit Card in the 2024 Finder Awards. We’re celebrating another consecutive win for Bankwest’s Zero Platinum Mastercard in the Best Travel Credit Card category. It offers the combination of no foreign transaction fees, comprehensive overseas travel insurance and no annual fee. It was also highly commended in the Best Balance Transfer Credit Card category for for the length of its 0% balance transfer offer and for its revert rate, currently 14.99%.

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.

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.

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.

Your reviews

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Amy Finder

Editor

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Debra

January 29, 2024

Does this card charge fees for currency conversion please as it says 0%


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Amy Bradney-George Finder

January 31, 2024

Hi Debra,

There is no foreign transaction fee on this card. So transactions made in a foreign currency will just be converted to Australian dollars at a wholesale exchange rate (which is selected by Mastercard on the processing date), without the 2-4% foreign transaction fees charged by some other cards. I hope this helps.


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Greg

January 09, 2024

What is your international exchange rate as of 10/01/24?


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Sarah Megginson Finder

January 10, 2024

Hi Greg,


We’re a comparison site, so we can’t provide this information. You can contact Bankwest on 13 7000 for customer service.


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Michelle Stewart

January 05, 2024

I’m looking to transfer the balance of my existing credit card over from ANZ to a card that is linked to qantas frequent flyer points

Thank you


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Sarah Megginson Finder

January 05, 2024

Hi Michelle,


Finder is a comparison site. You can review a range of different cards that offer Qantas points (including many with bonus offers) here: https://www.finder.com.au/credit-cards/qantas-frequent-flyer-credit-cards


If you are interested in this credit card, you can contact Bankwest on 13 17 19.


I hope that helps.


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Michelle Stewart

January 05, 2024

Does this card get qantas frequent flyer points?

I’m looking to transfer the balance of my existing credit card over from ANZ to a card that is linked to qantas frequent flyer points

Thank you


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Sarah Megginson Finder

January 05, 2024

No, this card does not earn Qantas points or any reward points.


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Andres

January 02, 2024

i want to use this credit card, for balance transfer or cash advance, to pay for my loan and benefit on the 0% interest for 28 month, is this possible for a pesonal loan i have


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Richard Whitten Finder

January 09, 2024

Hi Andres,


Some card providers let you balance transfer personal loan debts. I suggest contacting Bankwest and asking them directly.


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