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Balance transfer rate for 6 months with 3% balance transfer fee: 0% p.a.
Purchase rate for the first 6 months (reverts to 18.99%): 0% 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 purchases and balance transfers for 6 months, but with a 3% balance transfer fee.

Finder Awards 2025 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 6-month 0% purchase and balance transfer offers. This gives you a way to save on some key credit card and travel costs. Although there is a 3% balance transfer fee.

This card's 18.99% 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 a digital card in addition to the physical card.

Pros

0% p.a. on purchases for 6 months
0% p.a. on balance transfers for 6 months
0% foreign transaction fees online and overseas

Cons

Even with a $0 annual fee and 18.99% p.a. purchase rate, you must still be approved for a $6,000 minimum credit limit.
Charges a 3% balance transfer fee

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 purchases and balance transfers for 6 months with a 3% balance transfer fee.

At the end of the introductory period, any unpaid balance will attract the card's ongoing 18.99% p.a. interest rate.

Details

Product details

Product Name	Bankwest Zero Platinum Mastercard
Balance transfer rate p.a.	0% for 6 months with 3% balance transfer fee, then 18.99%
Balance transfer limit	95% of available limit
Purchase rate p.a.	Purchase rate p.a.0% for 6 months, then 18.99%
Interest-free days	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% of transaction value or $4, whichever is greater
Overseas cash advance fee	3% of transaction value or $4, whichever is greater
Overseas ATM withdrawal fee	$0
Additional cardholder fee	$0
Number of additional cardholders	3

Congratulations, Bankwest!

The Bankwest Zero Platinum Mastercard won Best No FX fees Credit Card in the 2025 Finder Awards.

Full list of 2025 winners

How to apply

You can apply for the Bankwest Zero Platinum Mastercard and complete the online application in around 15 minutes. 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 introductory offers 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.
0% purchase rate offer. Save on your shopping with a 0% purchase rate for the first 6 months you have this card. At the end of the introductory period, a standard purchase rate of 18.99% p.a. applies.

Balance transfer offer. This card offers 0% p.a. on balance transfers for the first 6 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 18.99% 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. Outside of any promotions, this card has a standard purchase rate of 18.99% 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 the transaction amount or $4 (whichever is greater) is charged when you make a cash advance transaction.

Sources

Finder writers are subject matter experts and use primary sources, in-depth research and interviews with other experts to ensure you're getting accurate, up-to-date information. Articles are fact checked in line with our editorial guidelines.
1. Bankwest Zero Platinum Mastercard information PDF
2. Bankwest Zero Platinum Mastercard TMD

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Amy Finder

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Wayne

December 01, 2025

Hi, is there a monthly minimum purchase spend required with the Bankwest Zero Platinum Mastercard.

Cheers.

Sarah Megginson Finder

December 02, 2025

Hi Wayne,

No, there is no minimum spending on this (or any) credit card. But the minimum credit limit is $6,000, so you must be able to service a potential debt of $6k when you apply for this credit card. Hope this helps!

Neeta

September 13, 2025

I travel frequently overseas and so want to apply for Bankwest-zero-platinum-MasterCard. I am semi retired but I do have regular income received from my investment property and savings. I also receive income from my Superannuation Pension Fund. I have my own house and no dependents and no liabilities. I am confident that I will be able to pay off all the balances on Credit Card regularly. Kindly guide if I can apply for this card and what documents are required to apply online.

Thanks

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Richard Whitten Finder

September 15, 2025

Hi Neeta,

Unfortunately at Finder we can’t give you any guidance on your specific eligibility as we are not the product issuer. You’ll need to contact Bankwest directly about this.

chelle

June 22, 2025

I will only use this card for when i am travelling abroad, will i get charges if i dont use it every month ?

Richard Whitten Finder

June 23, 2025

Hi Chelle,

You don’t need to use the card every month to avoid fees.

Jennifer

June 17, 2025

I/ we have retired can I / we apply for credit card.

We gave good Superannuation & own our home plus have an investment property

If able Ho apply how long does the process take. Planning to travel O/S September 2025

Richard Whitten Finder

June 19, 2025

Hi Jennifer,

The speed of the application process depends on so many factors and really depends on the bank. You’ll need to contact Bankwest directly about this.

Daniel

May 20, 2025

Is it possible for myself and my wife to have 2 cards for the same account?

Richard Whitten Finder

May 22, 2025

Hi Daniel,

Yes. You can apply to add an additional cardholder to the credit card account. Looking at Bankwest’s website you need to fill out and sign a PDF and post it to the bank.

The details can be found at the bottom of this page in the “common questions” section.

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Amy is an experienced journalist with over 16 years of experience, contributing to major publications like Money Magazine, The Sydney Morning Herald, and ABC News Australia. Specialising in personal finance, she frequently appeared in media outlets and on radio. Amy holds a Bachelor of Arts in Journalism and Drama from Griffith University and earned RG146 certifications in Tier 1 Generic Knowledge and Tier 2 General Advice Deposit Products, ensuring her expertise is grounded in current financial regulations. Amy was Finder's Senior Writer for Credit Cards from 2016 to 2024. See full profile

Bankwest Zero Platinum Mastercard

Pros

Cons

Congratulations, Bankwest!

How to apply

Eligibility criteria

Required documents

Card benefits

Rates & fees

Sources

Sources

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