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Pros
No annual fee ever
2.99% on balance transfers for the first 9 months
Range of complimentary insurance covers
No international transaction fees
Cons
Cash advance rate of 21.99% p.a.
The Bankwest Zero Platinum Mastercard gives you Platinum perks with no annual fee, ever. This is a great card if you like to travel or purchase online in other currencies. As a cardholder, you can enjoy complimentary overseas travel insurance up to 6 months that includes unlimited medical expenses. On top of this, it is one of the few cards in the market where you will pay no foreign transaction fees, making it ideal when you travel. You don’t just get these platinum benefits with no annual fee, as an introductory offer, you will also only pay 2.99% on balance transfers for the first 9 months (reverts to the purchase rate). Cardholders can also take advantage of up to 55 days interest free on purchases, 24/7 online account access, Mastercard PayPass, 3 free additional cardholders, 24/7 Personal Concierge, 3 months protection against loss, theft or accidental damage for goods purchased on the card, and extended warranty.
Great card , no annual fee, no foreign exchange fees and true exchange rate plus free travel insurance . This card suits me better than anything on the market. I don't even bother looking at interest rates as I don't use any card as a loan. Never had an account to with bankwest until I got this card a couple years ago. I now have an online savings account too.
Recommends this card
A really good value card with lots of good offer and no fees at all.
Recommends this card
| Interest Rates | |
| Purchase rate | 17.99% p.a. |
| Cash advance rate | 21.99% p.a. |
| Interest free on purchases | up to 55 days |
| Balance Transfer | |
| Balance transfer rate | 2.99% p.a. for 9 months |
| Balance transfer fee | No fee |
| Balance Transfer revert rate | 17.99% p.a. |
| Balance transfer limit | 95% of your approved new credit limit |
| Balance transfer from personal loan | No |
| Banks you can't balance transfer from | Bankwest |
| Credit limits | |
| Minimum credit limit | $6,000 |
| Maximum credit limit | $50,000 |
| Fees & repayments | |
| Annual fee | $0 p.a. |
| Additional cardholder fee | Up to 3 at no extra cost |
| Cash advance fee | 2% |
| Foreign transaction fee | 0% |
| Minimum repayment | 2% |
| Late payment fee | $25 |
| Credit card type | Mastercard |
| Complimentary insurance | |
| Overseas travel insurance | yes - up to 6 months |
| Flight inconvenience insurance | Yes |
| Transport accident cover | Yes |
| Smartphone screen insurance | No |
| Purchase protection insurance | Yes |
| Extended warranty insurance | Yes |
| Rental vehicle excess cover | No |
Providing a selection of platinum perks with no annual fee, the Bankwest Zero Platinum Mastercard could be the perfect option for cardholders who want more, while paying less. Cardholders can benefit from travel insurance and retail cover on purchases, with no foreign transaction fees to worry about when making purchases overseas.
It’s not often you come across a platinum card with no annual fee. While some may have introductory offers that reduce the amount you pay in annual fees over an introductory period, or perhaps offer a lower annual fee if you meet a certain yearly spend, the Bankwest Zero Platinum Mastercard is much more appealing than that. It has no annual fee, ever.
Regardless of how much you spend – or don’t spend – the Bankwest Zero Platinum Mastercard has no annual fee, for the life of the card. Providing an excellent way to save money on annual fees, this card could help keep costs down, while offering handy features, such as up to 55 days interest free on purchases.
Giving you the opportunity to save on interest as well as annual fees, this feature is available to cardholders who clear their balance by the due date each month. Offering interest free shopping, the card gives up to 55 days interest free on purchases to cardholders, which could come in handy on larger items, as well as everyday spending.
It is worth noting that this interest free feature is quite common. What’s not so common, though is this card’s absence of a foreign transaction fee. Whether you’re using the card when travelling overseas, or you’re using it at home to shop online at overseas retailers, this feature could save you some serious cash.
Some credit cards charge up to 4% on foreign currency transactions, which can substantially reduce any savings made when shopping overseas. It can also make travelling much more expensive than it needs to be. With no foreign transaction fees on the Bankwest Zero Platinum Mastercard, transactions can come at no cost (this doesn’t apply to ATM transactions).
The Bankwest Zero Platinum Mastercard may be a platinum card, but it’s not overly burdened with platinum features. No annual fee cards tend to offer fewer features, as cardholders are technically not paying for them. However, as long as you are happy with the features that are on offer, you can enjoy them at no cost, as long as you clear your balance by the due date.
Potential cardholders should note that there are no introductory offers to entice them. But, if you happen to have an existing credit card balance, you may choose to transfer it to the Bankwest Zero Platinum Mastercard to enjoy a lower rate of 2.99% p.a. for nine months. It may not be the lowest balance transfer offer in town, but it could still help to save money.
The Bankwest Zero Platinum Mastercard could be the ideal option for anyone who travels overseas, or shops online at international retailers. As we mentioned before, this card has no foreign transaction fee, so these transactions could be substantially cheaper on the Bankwest Zero Platinum Mastercard than on other cards.
Another reason why the Bankwest Zero Platinum Mastercard may work well for keen travellers is its range of overseas travel insurances. Cardholders can take advantage of cover on overseas travel, as well as interstate flight inconvenience insurance and transit accident insurance. Retail purchases benefit from cover on extended warranty, price guarantee and purchase security.
One additional feature that’s worth a mention is the card’s compatibility with Bankwest’s Halo payment ring. For a one-off fee of $39, this ring provides contactless payment technology linked to your card, allowing you to tap-and-go at the checkout. No app or charging required, the ring is sized for you, is wearable pretty much everywhere, and is waterproof up to 50m.
Offering cardholders the opportunity to save on annual fees, the Bankwest Zero Platinum Mastercard has no annual fee for the life of the card, with perks on the side including travel and retail cover, and no foreign transaction fee.
Providing a selection of platinum perks with no annual fee, the Bankwest Zero Platinum Mastercard could be the perfect option for cardholders who want more, while paying less. Cardholders can benefit from travel insurance and retail cover on purchases, with no foreign transaction fees to worry about when making purchases overseas.
It’s not often you come across a platinum card with no annual fee. While some may have introductory offers that reduce the amount you pay in annual fees over an introductory period, or perhaps offer a lower annual fee if you meet a certain yearly spend, the Bankwest Zero Platinum Mastercard is much more appealing than that. It has no annual fee, ever.
Regardless of how much you spend – or don’t spend – the Bankwest Zero Platinum Mastercard has no annual fee, for the life of the card. Providing an excellent way to save money on annual fees, this card could help keep costs down, while offering handy features, such as up to 55 days interest free on purchases.
Giving you the opportunity to save on interest as well as annual fees, this feature is available to cardholders who clear their balance by the due date each month. Offering interest free shopping, the card gives up to 55 days interest free on purchases to cardholders, which could come in handy on larger items, as well as everyday spending.
It is worth noting that this interest free feature is quite common. What’s not so common, though is this card’s absence of a foreign transaction fee. Whether you’re using the card when travelling overseas, or you’re using it at home to shop online at overseas retailers, this feature could save you some serious cash.
Some credit cards charge up to 4% on foreign currency transactions, which can substantially reduce any savings made when shopping overseas. It can also make travelling much more expensive than it needs to be. With no foreign transaction fees on the Bankwest Zero Platinum Mastercard, transactions can come at no cost (this doesn’t apply to ATM transactions).
The Bankwest Zero Platinum Mastercard may be a platinum card, but it’s not overly burdened with platinum features. No annual fee cards tend to offer fewer features, as cardholders are technically not paying for them. However, as long as you are happy with the features that are on offer, you can enjoy them at no cost, as long as you clear your balance by the due date.
Potential cardholders should note that there are no introductory offers to entice them. But, if you happen to have an existing credit card balance, you may choose to transfer it to the Bankwest Zero Platinum Mastercard to enjoy a lower rate of 2.99% p.a. for nine months. It may not be the lowest balance transfer offer in town, but it could still help to save money.
The Bankwest Zero Platinum Mastercard could be the ideal option for anyone who travels overseas, or shops online at international retailers. As we mentioned before, this card has no foreign transaction fee, so these transactions could be substantially cheaper on the Bankwest Zero Platinum Mastercard than on other cards.
Another reason why the Bankwest Zero Platinum Mastercard may work well for keen travellers is its range of overseas travel insurances. Cardholders can take advantage of cover on overseas travel, as well as interstate flight inconvenience insurance and transit accident insurance. Retail purchases benefit from cover on extended warranty, price guarantee and purchase security.
One additional feature that’s worth a mention is the card’s compatibility with Bankwest’s Halo payment ring. For a one-off fee of $39, this ring provides contactless payment technology linked to your card, allowing you to tap-and-go at the checkout. No app or charging required, the ring is sized for you, is wearable pretty much everywhere, and is waterproof up to 50m.
Offering cardholders the opportunity to save on annual fees, the Bankwest Zero Platinum Mastercard has no annual fee for the life of the card, with perks on the side including travel and retail cover, and no foreign transaction fee.
Bankwest Zero Platinum MastercardGreat card , no annual fee, no foreign exchange fees and true exchange rate plus free travel insurance . This card suits me better than anything on the market. I don't even bother looking at interest rates as I don't use any card as a loan. Never had an account to with bankwest until I got this card a couple years ago. I now have an online savings account too.
Recommends this cardA really good value card with lots of good offer and no fees at all.
Recommends this cardHow often do you find a platinum card with no annual fee?? You get a personal concierge and a whole heap of other perks like different insurances and no foreign exchange fee when you buy stuff overseas. Great if you travel a lot or shop a lot online.
Recommends this cardAfter opening a bank account with Bankwest I decided to look into their credit cards as well as they seemed to be offering good deals. This one has some good perks but I got it mainly for the purchase offer. Think it will be good in long term as well though.
Recommends this cardGreat credit card with long 0% balance transfer, no annual fee and nice perks. Very nice offer.
Recommends this cardPurchase rate 17.99% p.a.
Cash advance rate 21.99% p.a.
Interest free on purchases up to 55 days
Balance transfer rate 2.99% p.a. for 9 months
Balance transfer revert rate 17.99% p.a.
Balance transfer from personal loan No
Balance transfer fee No fee.
Balance transfer limit 95% of approved credit limit
Banks you can't balance transfer from Bankwest
Minimum credit limt $6,000
Maximum credit limit $50,000
Annual fee $0 p.a.
Additional card holder fee Up to 3 at no extra cost
Foreign transaction fee 0%
Minimum repayment 2%
Cash advance fee 2%
Late payment fee $25
Overseas travel insurance yes - up to 6 months
Flight inconvenience insurance Yes
Transport accident cover Yes
Smartphone screen insurance No
Purchase protection insurance Yes
Extended warranty insurance Yes
Rental vehicle excess cover No
The Bankwest Zero Platinum Mastercard gives you Platinum perks with no annual fee, ever. This is a great card if you like to travel or purchase online in other currencies. As a cardholder, you can enjoy complimentary overseas travel insurance up to 6 months that includes unlimited medical expenses. On top of this, it is one of the few cards in the market where you will pay no foreign transaction fees, making it ideal when you travel. You don’t just get these platinum benefits with no annual fee, as an introductory offer, you will also only pay 2.99% on balance transfers for the first 9 months (reverts to the purchase rate). Cardholders can also take advantage of up to 55 days interest free on purchases, 24/7 online account access, Mastercard PayPass, 3 free additional cardholders, 24/7 Personal Concierge, 3 months protection against loss, theft or accidental damage for goods purchased on the card, and extended warranty.
Be over 18 years old
Good Credit and have not applied for multiple credit cards recently
Resident or citizen of Australia. Temporary residents are eligible.
Minimum income of $65,000 p.a.
You have your personal details ready to complete the online application
Roland B Bleyer founded creditcard.com.au in 2005 and has extensive knowledge about credit cards. He personally answers all questions and write the editor reviews for each card here. Always keen to share his passion to educate consumers and help you select better suited credit cards.
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Apply by 30 Jun 19
Apply by 30 Jun 19
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