The ultimate travel companion with $0 annual fee

Our Bankwest Zero Platinum Mastercard® is great for travelling, with no foreign transaction fees and complimentary overseas travel insurance. 1   2

See the important changes coming to complimentary overseas travel insurance.

Benefits of Zero Platinum Mastercard

Complimentary overseas travel insurance

Complimentary travel insurance for you and your family, plus interstate flight inconvenience insurance. 2

No overseas transaction fees

Enjoy jaw-dropping scenery, not jaw-dropping fees on online and overseas purchases. 1

$0 annual fee

That’s nada, zip, zero annual fee ever, for the life of your card.

Interest free days

Up to 55 days interest free on purchases. 3 You qualify for interest free days on purchases if you pay the closing balance owing (excluding any balance transfer amount) on your current statement in full by the due date. Section 24 of our Credit Cards Conditions of Use (PDF) further outlines how this interest free period is calculated. Close

Complimentary Purchase Protection

As well as Price Guarantee Insurance. 2

Less to carry

You could order a Bankwest Halo payment ring - it works just like your contactless card. 4 The Bankwest Halo payment ring is only available to Australian citizens and Permanent or Temporary Residents over 16 years of age with an Australian residential address. Fees and charges apply. Close

Rates and fees

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Rates
Rate type Rate
Purchase rate ? 17.99% p.a.
Introductory balance transfer rate for the first 9 months 5 2.99% p.a.
Ongoing balance transfer rate ? The ongoing balance transfer rate is the rate that applies after the introductory period finishes.  Close 17.99% p.a.
Cash advances ? Applies to online transfers and using your credit card to withdraw cash. Close 21.99% p.a.
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Fees
Fee type Amount
Annual fee $0
Foreign transaction fee 1 Waived (Normally 2.95% of the transaction amount)
Late payment administrative fee ? When the minimum payment is not processed by the due date.  Close $25 per statement period
Cash advance fee 2% of transaction amount or $4 (whichever is greater)
Dishonour fee ? Each time there is a dishonoured payment into the account. For example, a dishonoured periodical/scheduled payment or cheque deposit. Close $10 each time
Paper statement fee ? Avoid this fee with eStatements.
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$1.25 per statement
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Rates are subject to change. Other fees and charges may apply. A full list of fees will be outlined in your credit card contract.

See the Credit Card Key Facts Sheet (PDF).

Apply today

Check your eligibility

  • This card is available to people 18 years and over who are Australian permanent residents
  • Only one Bankwest Zero Mastercard account per customer
  • Minimum credit limit of $6,000 required.

You'll receive an online response to your application in minutes.

Things you should know

1. Foreign transactions are transactions occurring outside of Australia whether in foreign currency or Australian dollars including if you are in Australia (for example, online) where the merchant or the financial institution or entity processing the transaction is located overseas. No foreign transaction fees apply for Platinum customers. Other fees and charges may apply, including when using overseas ATMs.

2. Limitations, exclusions and eligibility criteria apply. See the Credit Card Insurances Product Disclosure Statement and Information Booklet (PDF) for details.

From 9 December 2019 we're making some important changes to complimentary overseas travel insurance cover and eligibility criteria - here's what you need to know.

3. You qualify for interest free days on purchases if you pay the closing balance owing (excluding any balance transfer amount) on your current statement in full by the due date. Section 24 of our Credit Cards Conditions of Use (PDF) further outlines how this interest-free period is calculated.

4. The Bankwest Halo payment ring is only available to Australian citizens and Permanent or Temporary Residents over 16 years of age with an Australian residential address. Fees and charges apply.

5. Introductory rate on balance transfers:

  • Introductory rate on balance transfers is available to new credit card customers only
  • Applies from the date the card is opened, regardless of when any balance transfer is processed by us
  • After intro period, the interest rate on any outstanding transferred balance will be charged at the ongoing balance transfer rate as outlined in your credit card schedule
  • Minimum balance transfer amount is $500
  • A request will only be processed up to 95% of your approved credit limit
  • Only non-Bankwest-branded credit cards can be balance transferred to Bankwest Mastercard credit cards.

View balance transfer terms and conditions.

Bankwest Zero Platinum Mastercard was awarded the 2019 Best Credit Card For Travellers by Finder at the Finder Awards held in August 2019.

Mastercard and the Mastercard brand mark are registered trademarks, and the circles design and Tap & go are trademarks of Mastercard International Incorporated.