The ultimate travel companion with $0 annual fee

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


No annual fee

Enjoy a $0 annual fee with this card.

Save on foreign transaction fees

No foreign transaction fees for Platinum cardholders. 1

Interest free period

Up to 55 interest free days 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

Digital cards now available

Access and activate your new Bankwest credit card in our app, as soon as you’re approved.

There are two types of $0 annual fee cards

Rates and fees

Show me the rates and fees for

Rate type Rate
Purchase rate ? 17.99% p.a.
Introductory balance transfer rate for the first 9 months 4 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.
Fee type Amount
Annual fee $0
Foreign transaction fee 1 Waived (Normally 2.95% of the transaction amount)
Foreign transaction fee 1
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.
$1.25 per statement
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

Here are your next steps...

Check your eligibility

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

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.

Looking for something else?

We have other cards that could be right for you...

Need help choosing or managing your credit card?

Speak with someone from the team today.

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 1 October 2018 we’re changing our insurance provider as well as the Overseas Travel Insurance cover provided to customers 80 years of age and over. Find out more about the changes to credit card insurance.

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. 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.

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