No annual fee credit card

Our Bankwest Zero Mastercard® is great for travelling - there are no foreign transaction fees for Platinum cardholders. 1 No foreign transaction fees for Platinum customers for transactions occurring outside Australia whether in foreign currency or Australian dollars. This applies to online and overseas purchases. Other fees and charges may apply, including when using overseas ATMs. Close

Benefits

No annual fee

Enjoy a $0 annual fee with this card.

Save on foreign transaction fees

No foreign transaction fees for Platinum cardholders. 1 No foreign transaction fees for Platinum customers for transactions occurring outside Australia whether in foreign currency or Australian dollars. This applies to online and overseas purchases. Other fees and charges may apply, including when using overseas ATMs. Close

Interest-free period

Get up to 55 interest-free days on purchases. 2 Interest-free days on purchases apply when the total amount owing on your current statement is paid in full by the due date, and you have also paid off your previous month’s balance in full by its due date. Section 24 of our Credit Cards Conditions of Use further outlines how this interest-free period is calculated. Close

There are two types of credit cards with no annual fee

Classic

  • Free worldwide emergency card replacement
  • $1,000 minimum credit limit

Platinum

  • Complimentary international credit card travel insurance 3 Limitations, exclusions and eligibility criteria apply. See the Complimentary Credit Card Insurance booklet for details. Close
  • No foreign transaction fees for online and overseas purchases 1 No foreign transaction fees for Platinum customers for transactions occurring outside Australia whether in foreign currency or Australian dollars. This applies to online and overseas purchases. Other fees and charges may apply, including when using overseas ATMs. Close
  • $6,000 minimum credit limit

Rates and Fees

Show me the rates and fees for

Rates
Rate type Rate
Purchase rate ? The ongoing purchase rate is the rate that applies to purchases after the introductory period finishes. Close 17.99% p.a.
Introductory balance transfer rate for the first 9 months4 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.
More
Fees
Fee type Amount
Annual fee $0
Foreign transaction fee Waived (Normally 2.95% of the transaction amount) 1 No foreign transaction fees for Platinum customers for transactions occurring outside Australia whether in foreign currency or Australian dollars. This applies to online and overseas purchases. Other fees and charges may apply, including when using overseas ATMs. Close
Foreign transaction fee ? For each transaction occurring outside Australia whether in foreign currency or Australian dollars. Close
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.
Close
$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.

Apply today 

Here are your next steps...

Check your eligibility

  • People 18 years or over
  • Australian permanent residents
  • One Bankwest Zero Mastercard per customer only.
1

Things you need for your application

  • 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
  • Financial information including income, expenses and assets.

Find out more about what you may need to provide.

Already started? Resume your application.

Need help choosing or managing your credit card?

Speak with someone from the team today.

Things you should know

1. No foreign transaction fees for Platinum customers for transactions occurring outside Australia whether in foreign currency or Australian dollars. This applies to online and overseas purchases. Other fees and charges may apply, including when using overseas ATMs.

2. Interest-free days on purchases apply when the total amount owing on your current statement is paid in full by the due date, and you have also paid off your previous month’s balance in full by its due date. Section 24 of our Credit Cards Conditions of Use further outlines how this interest-free period is calculated.

3. Limitations, exclusions and eligibility criteria apply. See the Complimentary Credit Card Insurance booklet for details.

4 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.

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