Zero Platinum Mastercard
No annual fee credit card
Why you’ll love our Zero Credit Card
No annual fee
Keep costs down with no annual fee.
Spend overseas with confidence
Travel happily with no foreign transaction fees.††
Up to 55 days interest free
Pay no interest on your purchases for up to 55 days.#
Value that stands out
Awarded Canstar’s Outstanding Value Travel Credit Card 2025.
Simple, flexible and ready when you need it
- Day-to-day use
- Low maintenance
Fees and rates
Zero Platinum Mastercard
| Zero Platinum Mastercard |
|---|
Minimum credit limit $1,000 |
Annual fee $0 |
Foreign transaction fee 0%†† |
Interest free period Up to 55 days# |
Introductory balance transfer rate 0% p.a. for 6 months on balance transfers. Limited time, new Bankwest Zero Mastercard customers only. 3% balance transfer fee, plus other fees and charges, T&Cs apply.* |
Ongoing balance transfer rate 18.99% p.a.~~ |
Introductory purchase rate 0% p.a. for 6 months on purchases. Limited time, new Bankwest Zero Mastercard customers only. Other fees and charges, T&Cs apply.* |
Ongoing purchase rate 18.99% p.a.^^ |
Smarter tools, simpler banking
Spend safely with virtual cards
Make purchases without using your regular card details. Create digital cards for one-off or recurring online payments.***
Easy Instalments
Spread the cost of eligible purchases over four monthly instalments and pay 0% p.a.^^^
A clearer view of where you spent and what’s upcoming
View what you’ve spent, see upcoming payments and easily track transactions, subscriptions and spending habits.
Fast-acting security
Lock or unlock your card, activate new cards and receive notifications to help keep track of card activity and unusual transactions.
Get started with our award-winning travel credit card
Get started
Check your eligibility
To apply, you must be 18 or older, an Australian citizen or resident, and not already hold a Bankwest Zero Mastercard.
Ready your documents
You’ll need photo ID, employment details, and information about your finances, including income, expenses, assets and debts.
Get started with our award-winning credit card
Explore the rest of the line up
Breeze Mastercard
Low rate credit card
- Our lowest ongoing purchase rate
- 12.99% p.a. ongoing purchase rate
- Up to 55 days interest free#
Bankwest Qantas Mastercard
Qantas Frequent Flyer credit card
- Complimentary travel insurance**
- 19.99% p.a. ongoing purchase rate
- Up to 44 days interest free#
More Mastercard
Rewards credit card
- Complimentary overseas travel insurance** & 10 lounge passes per year##
- 14.99% p.a. ongoing purchase rate
- Up to 44 days interest free#
Common questions
You can make your repayments in the app or online banking. Schedule a repeating payment for a set amount to make this automatic.
You can also call us on 13 17 19 and choose ‘self-service phone banking’ or visit a participating Bank@Post location to make a repayment.
At a minimum, you’ll need to pay off the ‘Minimum payment’ amount specified on your statement plus any ‘Amount Due Immediately’ by the due date to avoid a late payment fee. You can also choose to pay off your entire balance to avoid purchase interest and get your interest free days (if applicable).
Yes – this is known as a balance transfer. You can transfer any outstanding balance from another bank’s credit card to a Bankwest credit card.
Due to system, process, or any other limitations, we’re unable to process balance transfers from some issuers or billers. If we’re unable to accept the issuer or biller you’ve provided, we’ll let you know that we cannot proceed with your balance transfer request.
You’ll be eligible to apply for a Zero Mastercard if you meet the below criteria:
- You’re 18 years or over
- You’re an Australian citizen, a permanent or temporary resident
- You don’t already have a Zero Mastercard, as we only allow one per customer.
If you’re a temporary resident, make sure your visa type isn’t on our non-acceptable visa (PDF) list.
Start your application online now. You’ll need:
- Photo identification such as an Australian driver’s licence or passport. Or see a handy list of other ID documents we’ll accept.
- Employment details, including length of employment and employer contact numbers
- Info about your income, expenses, assets, loans and other credit cards.
If you have a credit card and you want to add someone else as an additional cardholder, you and the person will both need to fill out and sign the Additional Cardholder(s) Request Form (PDF).
Once you’ve finished, you can send this form to us at:
Cards Services
Reply Paid 8411
Perth BC WA 6849
If the person you want to add as an additional cardholder isn’t already banking with us, we’ll need them to be identified at an Australia Post outlet. See a handy list of ID documents we’ll accept.
Things to consider
- There is a limit of one Bankwest Breeze Mastercard, one Bankwest Zero Mastercard, one Bankwest Qantas Mastercard, and one Bankwest More Mastercard per customer.
- 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) and visit Terms and Conditions for more information.
- Lending and eligibility criteria, fees and charges apply.
- Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.
- Canstar’s 2025 Outstanding Value awards recognise products offering outstanding value to consumers as part of Canstar’s Star Ratings & Awards. Find more about the awards and categories here.
†† Foreign transaction fees
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 or overseas ATM fees apply for Platinum or World customers. Other fees and charges may apply, including Overseas ATM operator and local non-bank ATM operators may charge a fee.
# Interest free days
You qualify for interest free days on purchases if you pay the closing balance owing (excluding any promotional or introductory 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.
* Bankwest Zero Mastercard introductory offer
Introductory balance transfer rate offer and introductory purchase rate offer is only available to new Bankwest Zero Mastercard customers who apply from 1 August 2024 until the promotion ends, and are approved. Excludes product transfers from existing Bankwest credit cards.
Introductory balance transfer rate offer and introductory purchase rate offer:
- A 3% balance transfer fee is payable on all transactions to which that balance transfer rate applies
- Introductory balance transfer rate excludes cash advances (rate of 21.99% p.a. applies)
- Applies from the date the card is opened, regardless of when any balance transfer is processed by us
- After the intro period, the interest rate on any outstanding transferred balance or purchase will be charged at the ongoing rate for purchases and balance transfers as outlined in your credit card schedule
- Minimum balance transfer amount is $500
- Only non-Bankwest-branded credit cards can be balance transferred to Bankwest Mastercard credit cards
- A balance transfer request will only be processed up to 95% of your approved credit limit.
^^ The ongoing purchase interest rate
The ongoing purchase interest rate is the rate that applies to purchases after any applicable introductory period finishes.
~~ The ongoing balance transfer rate
The ongoing balance transfer rate is the rate that applies after the introductory period finishes.
† Cash advance rate
Cash advance rate applies to online transfers and using your credit card to withdraw cash.
^^^ Easy Instalments
Lending criteria, fees and charges apply. Terms and conditions apply and are available on request. Available on eligible purchases between $100 and $10,000. Cash advances, gambling transactions, balance transfers, purchases on a promotional offer and purchases made more than 30 days prior aren’t eligible. You won't be able to apply for an Easy Instalments plan if you don't meet our eligibility criteria (e.g. if you've exceeded your limit or if you're in default). When you apply for an Easy Instalments plan, you are requesting an amendment to your allocation of payments in accordance with clause 6. of the Easy Instalments Terms and Conditions. To apply payments in this order may mean that other balances that attract a higher interest rate may be repaid later which may result in you paying higher interest charges.
‡‡‡ Late payment admin fee
When the minimum payment is not processed by the due date. This includes any amount shown on your card account statement as 'amount due immediately'.
** Complimentary overseas travel insurance
Complimentary overseas travel insurance provides base cover only. Limitations, exclusions, and eligibility criteria apply. See the Complimentary Overseas Travel Insurance Product Disclosure Statement for details.
## Complimentary lounge passes
To gain access to participating airport lounges, you must register your Bankwest More World Mastercard on the Mastercard Travel Pass website or app, generate a membership QR code and present this along with your boarding pass for validation. More World Mastercard customers receive ten complimentary lounge visits every year, per account, each visit can be used by either the primary cardholder or guest. Guest must always be accompanied by the primary cardholder and cannot use the access on their own. Please note, your lounge access may be blocked if your account is closed, in arrears, reported lost or stolen, or has been blocked by us for any reason.
To redeem an offer visit the Mastercard Travel Pass website or app, select your preferred offer and generate an offer QR code. Present the valid offer QR code to the cashier and redeem the offer. Please note, offers vary by location. Visit Mastercard Travel Pass website for information on accessing lounges, offer locations, a full list of Terms and Conditions and Frequently Asked Questions. Please review Mastercard Travel Pass Terms & Conditions before you make your first lounge visit.
*** Virtual cards
Eligibility criteria apply. Virtual cards are available, subject to your account meeting the requirements, for Easy Transaction Accounts, Offset Transaction Accounts, Retirement Advantage Accounts and all retail credit cards (where lending criteria apply). See the Account Access Conditions of Use or Terms and Conditions relevant to your product.
