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Bankwest Zero Platinum Mastercard
Bankwest Zero Platinum Mastercard

Bankwest Credit Cards

Bankwest Zero Platinum Mastercard

Updated 28 September 2021

Enjoy Bankwest Zero Platinum Mastercard's money-saving features- 0% p.a. on balance transfers for 26 months (a one-time 2% fee applies), $0 annual fee, no foreign transaction fees on online and overseas purchases. Plus complimentary overseas travel insurance up to 6 months and other platinum benefits.

New customers only. Other fees, T&Cs apply.

Purchase Rate (p.a)

14.99%

Balance Transfer (p.a)

0% for 26 months 2% balance transfer fee applies.
Reverts to 14.99% p.a.

Annual Fee (p.a)

$0

$0 over 26 months

My transfer amount

Balance transfer from:

My annual fee

My interest rate

Pros and cons

  • 0% on balance transfers for 26 months with 2% balance transfer fee (reverts to 14.99%). New customers only.
  • Pay no annual fee
  • Purchase rate of 14.99% p.a.
  • No foreign transaction fees on online and overseas purchases
  • 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 or Australia’s first payment ring - Bankwest Halo

  • Cash advance rate of 21.99% p.a.

Creditcard.com.au review

Editor Review

Bankwest Zero Platinum Mastercard

Roland Bleyer
Credit Card Expert with over 15 years card experience and the founder of Creditcard.com.au. about this card.

The Bankwest Zero Platinum Mastercard

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. Plus, this card currently offers 0% p.a. on balance transfers for 26 months with a one-time 2% balance transfer fee to new cardholders.

What we love...

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.

Giving you the opportunity to save on interest and card costs, this card has no annual fee, ever. Plus, as a new cardholder, you can take advantage of the 0% p.a. on balance transfers for 26 months (a 2% balance transfer fee applies) allowing you to clear off your existing balance sooner and save heaps on interest. On top of that, any balance remaining would revert to the card’s purchase rate, instead of the higher cash advance rate.

Regardless of how much you spend – or don’t spend – the Bankwest Zero Platinum Mastercard provides an excellent way to save money and could help keep costs down with its other handy features. 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).

What’s not so great...

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.

Why should you choose this card?

The Bankwest Zero Platinum Mastercard could be the ideal option for anyone who wants to bust credit card debt while saving on interest and fees as well as those who travel overseas, or shop online at international retailers. As we mentioned before, it offers 0% p.a. on balance transfers for 26 months, charges no annual fee, and has no foreign transaction fee so you can potentially save more with this card.

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 that provides contactless payment technology linked to your card, allowing you to tap-and-go at the checkout. Bankwest no longer offers their Bankwest Halo payment rings to new customers effective 28 September 2021.

Overall Rating

Providing cardholders the opportunity to save on interest and annual fees, the Bankwest Zero Platinum Mastercard offers a longer balance transfer intro offer with perks on the side including travel and retail cover plus, it has no annual fee and no foreign transaction fee.

User reviews

Bankwest Zero Platinum Mastercard ( based on 9 Creditcard.com.au user reviews )

68% rating based on 9 reviews

Rates
Fees
Rewards
Customer Service
Value
72%

Julia

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%

Creditcard.com.au 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%

Creditcard.com.au Visitor

28 January 2013

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

Recommends this card
87%

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
81%

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 26 months

Balance transfer revert rate 14.99% p.a.

Balance transfer from personal loan No

Balance transfer fee 2% one off

Balance transfer limit 95% of approved credit limit

Banks 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 2% or $4 (whichever is greater)

Late payment fee $25

Additional features

Complimentary insurance

International Travel Insurance Yes - up to 6 months

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

Extras

Pay with your compatible device using Apple Pay, Samsung Pay, Google Pay, Garmin Pay, & Fitbit Pay or Australia’s first payment ring - Bankwest Halo

Overview

Bankwest Zero Platinum Mastercard

As an introductory offer, new customers can save on interest payments for existing debt with 0% p.a. on balance transfers for the first 26 months (a one-time 2% 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, 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.

Key features

  • Pay no annual fee
  • 0% on balance transfers for 26 months with 2% balance transfer fee (reverts to 14.99%). New customers only.
  • Purchase rate of 14.99% p.a.
  • No foreign transaction fees on online and overseas purchases
  • 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 or Australia’s first payment ring - Bankwest Halo

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

Roland B Bleyer

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.

Recently Asked Questions

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

166 questions (showing the latest 10 Q&As)

Hillary

Hillary

11 September 2021
Hi, I've never used a credit card before and I'm looking for a low-cost credit card with $0 annual fees, 0$ foreign exchange fees with highest bonus points rewards for travelling/flight points. I make less than 10k/year so I'm not eligible for most cards (I'm currently full time student & living at home). However, I'm restarting an online business this month that required spending over $500k cash in inventory/ads which I spent in 2018-2019. I'm also wondering which cards are the easiest to apply to so I won't be rejected (i don't want a bad credit score). Which card will be best for me? I've been looking at bankwest zero mastercard, do you think will they let me in easily? Thanks
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    13 September 2021
    Hi Hillary, thanks for the detailed information. You’ve listed quite specific requirements for a credit card but the best place to start would be to compare frequent flyer cards. You can input your monthly spend and see the points on offer. You can then click on “save card” to compare the offers side by side. In saying that, your yearly income might exclude you from applying. If it’s going to be for business purposes you can compare business credit cards to get started. You’ll need to provide proof of income and in some cases the banks will want to talk to your accountants. It might be worth exploring comparing business finance options for your overheads. Hope this has helped you
Maria

Maria

23 June 2021
We are self-funded retirees and wish to apply for this Bankwest Zero Platinum Mastercard. What financial information is required for this? Thanks Maria
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    23 June 2021
    Hi Maria, thanks for your question. The Bankwest site has no specific information for self-funded retirees. But as long as you meet the income requirements and have a great credit rating, you should be able to apply if you have proof of a sustainable income. Depending on the outcome, they may request further information but that will be enough to start with. If you’re ready, you can click here to proceed with your application.
Graham

Graham

14 June 2021
Can the Zero Platinum Mastercard be linked to a bank account for automatic monthly payment?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    15 June 2021
    Hi Graham, we did some digging in the Bankwest PDS and you can make payments via BPAY, a Bankwest bank account or a branch. BPAY lets you set up scheduled payments at a date that you choose, so you set up your automatic payment this way if it suits you. Hope this has helped you out.
Susan

Susan

5 June 2021
I'm trying to start an application for Zero Plat Mcard but it gives an error message and says contact adminstrator
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    7 June 2021
    Hi Susan, thanks for writing. Please try clearing your browser’s cache and try clicking on the Go To Offer button or via this LINK. If still you encounter the same issue, I suggest contacting the bank directly via phone at 1800 650 111.
Craig

Craig

31 May 2021
Roland, I was wondering if the Bankwest Platinum Zero card has the option of having two cards on the one account? My wife and I currently do this to keep the tracking of our transactions simple and we are looking for a better credit card with no annual fee.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    1 June 2021
    Hi Craig, thanks for your question! Upon checking on the intricacies of the Bankwest Zero Platinum Mastercard, I see that you can actually add up to 3 additional cardholders at no extra cost. You can check this page for more information about the card and the offer.
Karen

Karen

15 May 2021
I have a virgin credit card with approximately $2,900 balance, would it be possible for me to do a balance transfer. Thanks
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    17 May 2021
    Hi Karen, thanks for your question! There are many factors that go into whether or not you’ll be approved for a credit card balance transfer. It is best to call the banks directly and discuss your options with them.

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