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Bankwest Zero Platinum Mastercard
Bankwest Zero Platinum Mastercard

Bankwest Credit Cards

Bankwest Zero Platinum Mastercard

Updated 1 March 2024

The Bankwest Zero Platinum is a premium card without the price tag 🏷 . In fact, you won’t pay any annual fee at all for its money-saving features and perks.

To start, pay off debt with the 0% p.a. Balance transfer offer for 28 months, pay no foreign transaction fees on purchases, and get complimentary overseas travel insurance amongst other travel extras.
Terms and conditions apply

Purchase Rate (p.a)


Balance Transfer (p.a)

0% for 28 months 3% balance transfer fee applies.
Reverts to 14.99% p.a.

Annual Fee (p.a)


$0 over 28 months

My transfer amount

Balance transfer from:

My annual fee

My interest rate

Pros and cons

  • Limited-time Offers: 0% p.a. Balance transfer for 28 months
  • Low ongoing fees: no annual fee plus a low purchase rate and balance transfer revert rate of 14.99% p.a.
  • Travel savings: pay no foreign transaction fees on online and overseas purchases, and get complimentary international travel insurance
  • Digital wallet access: add your card to Apple Pay, Samsung Pay, Google Pay, Garmin Pay and Fitbit Pay

  • You’ll pay a 3% fee on your balance transfer amount
  • The cash advance rate is 21.99% p.a. review

Editor Review

Bankwest Zero Platinum Mastercard

Pauline Hatch
Pauline is a personal finance expert at, with 8 years in money, budgeting and property reporting under her belt. about this card.

Who suits the Bankwest Zero Platinum Mastercard?

Globetrotter: you love travelling, and get a buzz from freebies that make your trips cheaper and more fun. Carefree Splurger: budgets are a bummer, and you might need help with getting on top of debt. Low interest rates and low fees would be great. Healthy Spender: your cashflow is high but healthy and you want to save on foreign fees and protect your purchases.

Overall Review

I don’t know what else Bankwest could have packed into its Zero Platinum Mastercard (considering you’ll pay no annual fee to have it). It may not have rewards points, but it addresses two of people’s big challenges: debt, and saving money.

The 28-month interest-free balance transfer offer is one of the longest out there, making it a good card if your goal is debt freedom. Its savings on foreign fees and travel extras are very handy money-saving features that can really add up.

Editor’s Review: the Bankwest Zero Platinum Mastercard

Let’s dive right in by looking at the big features of this card and how to get the most out of them.

Balance transfer offer. This is a limited-time offer that’s one of the best in the market in terms of length. You can transfer debt from an existing credit card to your Bankwest Zero Platinum card and pay 0% p.a. for 28 months while you pay off the debt.

Let me detail some of the fine print. The balance transfer offer is only available if it’s your first time being approved for the Bankwest Zero Platinum card. You’ll be charged 3% of the amount you’re transferring, which is added to your balance. The 28 months starts from the date of approval, not the day the transfer takes place, and you can’t transfer from other Bankwest cards. And lastly, you can transfer up to 95% of your credit limit (which is a very high amount compared to some other cards) with a $500 minimum.

If you have a balance left after the 28 months, you’ll be charged a balance transfer interest rate of 14.99% rather than the cash advance rate. That’s a significantly lower rate than other cards charge on leftover debt. Of course, the goal is to pay off your debt in full before the interest-free period ends.

No foreign fees. You won’t be charged foreign transaction fees on purchases when you’re travelling overseas or buying something from an international merchant online. That also includes withdrawing from an overseas ATM, but remember you might be charged a 3rd-party fee for using the machine.

Complimentary travel insurance. You, your spouse and dependent children who are accompanying you on the trip can use the international travel insurance. Insurance is available for trips up to 31 days, but you can apply for longer coverage if needed.

Under the policy, you may be covered for overseas emergency medical expenses, rental vehicle insurance, travel delay expenses and transit accident insurance. Within Australia, you may be able to use the Interstate Flight Inconvenience insurance if your flight is delayed by 4 hours or more, or your belongings are damaged.

Note: always read the PDS of your complimentary insurance to find out the exact eligibility requirements for coverage, and what you’re covered for.

Everyday extras on the Bankwest Zero Platinum Mastercard

The Bankwest Zero Platinum has a few other perks up its sleeve. They may not seem overly exciting at first, but it is pretty exciting when you get to use them.

Interest-free period: If you don’t have an active balance transfer, you’ll get 55 days interest-free on new purchases as long as you pay the closing balance each month.

Easy Instalments repayment plans: Bankwest lets you spread the cost of up to 5 purchases between $100 and $10,000 over 4 monthly instalments. You won’t pay interest on the instalment amounts, which can help you pay off your purchase faster. Easy Instalments can be set up and managed via the Bankwest app.

You’ll also get other protections with your card alongside your travel insurances. These include:

Purchase security: 90 days of cover from the date of purchase if your purchase is lost, stolen or damaged, as long as the purchase was made on your card.

Extended warranty: An extension of the manufacturer’s written Australian warranty on personal goods that were charged to your card.

Price guarantee: a refund of the difference in price of an item purchased where you find it cheaper elsewhere within 21 days and within 25km of the original purchase location.

Note: There are terms and conditions to these protections so check the PDS to see what you’re covered for.

What’s not so great

If you have an active balance transfer, you won’t be eligible for the 55 days interest-free. That means any other purchases you make on your card will have interest applied immediately.

This isn’t an unusual practice for credit cards, but it can send you backwards if your goal is to pay off debt with your balance transfer. Keeping your eye on paying down debt first means you won’t have to tackle extra interest from everyday purchases.

Some fees might apply, such as a $25 late fee if you miss your monthly repayment, and a 3% or $4 (whichever is greater) on cash advances. The long-standing advice is to avoid withdrawing cash from your credit card altogether.

Who might suit the Bankwest Zero Platinum Mastercard?

While having no annual fee could make this card a good one for first-timers, its perks also mean it lends itself well to people with existing credit card debt. It also suits travellers or big spenders who want to save on international transaction fees.

User reviews

Bankwest Zero Platinum Mastercard ( based on 12 user reviews )

60% rating based on 12 reviews

Customer Service


5 November 2019

I have had this card for a year and I have no complaints. This card is the perfect travel companion! While you do not get any rewards, all of the other features make up for it (i.e. no annual fees, waived international fees etc.). Service from the Bankwest staff was also impeccable - I had only a week before my holiday and they kept me updated throughout the entire process, and got the card to me super fast!

Recommends this card
84% Visitor

17 May 2013

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
92% Visitor

28 January 2013

A really good value card with lots of good offer and no fees at all.

Recommends this card

Carol-Ann Donnelly

28 January 2013

How 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 card

Peter Ali

28 January 2013

After 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 card

Rates and fees

Interest rates

Purchase rate 14.99% p.a.

Cash advance rate 21.99% p.a.

Interest free period on purchases up to 55 days

Balance transfer

Balance transfer rate 0% p.a. for 28 months

Balance transfer revert rate 14.99% p.a.

Balance transfer from personal loan No

Balance transfer fee 3% one off

Balance transfer limit 95% of approved credit limit

Brands you can't balance transfer from Bankwest

Credit limits

Minimum credit limit $6,000

Maximum credit limit N/A

Fees & repayments

Annual fee $0 p.a.

Additional cardholder fee Up to 3 at no extra cost

Foreign transaction fee 0%

Minimum repayment 2% or $20 (whichever is greater)

Cash advance fee 3% or $4 (whichever is greater)

Late payment fee $25

Additional features

Complimentary insurance

International Travel Insurance Yes

Flight Inconvenience Insurance Yes

Transit Accident Insurance Yes

Smartphone Screen Insurance No

Purchase Protection Insurance Yes

Extended Warranty Insurance Yes

Rental Vehicle Excess In Australia Insurance No


Pay with your compatible device using Apple Pay, Samsung Pay, Google Pay, Garmin Pay, & Fitbit Pay


Bankwest Zero Platinum Mastercard

As an introductory offer, new Bankwest Zero Mastercard customers can save on interest payments for existing debt with 0% p.a. on balance transfers for the first 28 months (a 3% balance transfer fee will apply), reverts to 14.99% p.a. Cardholders can also take advantage of up to 55 days interest free on purchases, 24/7 online account access, Mastercard PayPass, complimentary international travel insurance and no foreign fees on purchases. Other fees, T&Cs apply.

Key features

  • Pay no annual fee
  • 0% on balance transfers for 28 months with 3% balance transfer fee (reverts to 14.99%). New Bankwest Zero Mastercard customers only.
  • Purchase rate of 14.99% p.a.
  • No foreign transaction fees on online and overseas purchases
  • Easy Instalments Purchase Plans
  • Up to 55 days interest free on purchases
  • Complimentary international travel insurance, extended warranty, purchase security and price guarantee cover
  • Pay with your compatible device using Apple Pay, Samsung Pay, Google Pay, Garmin Pay, & Fitbit Pay

Minimum criteria to apply for this card

  • Be over 18 years old

  • Good Credit and have not applied for multiple credit cards recently

  • Australian permanent resident

  • You have your personal details ready to complete the online application


Pauline is a personal finance expert at, with 8 years in money, budgeting and property reporting under her belt. Pauline is passionate about seeing Aussies win by making their money – and their credit cards – work smarter, harder and bigger

Recently Asked Questions

Something you need to know about this card? Ask our credit card expert a question.

227 questions (showing the latest 10 Q&As)



28 February 2024
Further to my last email, in addition to the supplementary card, does this card come with travel insurance as we are planning to travel to Europe in June
    Pauline -


    1 March 2024
    Hi Nimit, this card comes with up to 3 extra cardholders at no additional costs and it does feature complimentary travel insurance too.
Kylie Kellock

Kylie Kellock

22 February 2024
Can i transfer my Platinum breeze mastercard to a zero platinum mastercard.
    Pauline -


    22 February 2024
    Hi Kylie, whilst you think this would be a straightforward thing to do, this will require a completely new application for credit. You could try giving Bankwest a call to see if they take edge cases. Hope that helps Kylie!
Chris Bigas

Chris Bigas

10 February 2024
What is the maximum amount on this card
    Pauline -


    14 February 2024
    Hi Chris, if you’re referring to the maximum credit limit you can be approved for, unfortunately, it’s not indicated as the credit limit set depends on several factors like your credit score, credit history, annual income, etc. However, upon checking, the minimum credit you can be approved for Bankwest Zero Platinum Mastercard is $6,000.


8 February 2024
Does the free travel insurance cover for an 80 year old. ? Only income is from interest earned from a $400,000 term deposit , can I apply ?
    Pauline -


    13 February 2024
    Hi Dee, this card's insurance PDS says people 80 and over aren't eligible for the travel insurance. To help with your second question, you could read our blog on applying while on retirement funds. It explains what kinds of income banks might want to see from you if you're not earning a self-employed or PAYG income. Thanks Dee!
Sally Bryan

Sally Bryan

7 February 2024
Reference Number XXXXXXXX Please advise if you are waiting for further information from me.
    Pauline -


    7 February 2024
    Hi Sally, you’re on, Australia’s leading credit card comparison site. You can contact Bankwest with your reference number directly at 13 17 19.


6 February 2024
Could I apply for the Bankwest Zero Platinum card, or any other credit card in Australia, if I have been a permanent resident since November last year but am not yet a citizen?
    Pauline -


    7 February 2024
    Hi Tennisnett, if you've met all the eligibility criteria, including those related to residency status, you can certainly apply for the Bankwest Zero Platinum card or any other credit card. If you're ready to apply, you can click the green 'Go To Offer' button at the top of this page.


6 February 2024
does this card charge a foreign transaction fee? & if so how much is it?
    Pauline -


    7 February 2024
    Hi Samantha, the Bankwest Zero Platinum card has no foreign transaction fees. You might be charged a fee from the merchant terminal or the ATM when you use your card though.

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