Bankwest Zero Classic and Platinum Mastercard credit cards

0% p.a. for 28 months on balance transfers and no annual fee, ever

Choose the award-winning Zero Platinum. It's the Best Travel Credit Card in the 2023 Finder Award. There's no annual fee, no foreign transaction fees, and complimentary overseas travel insurance.

Balance transfer offer is for a limited time, new Bankwest Zero Mastercard® customers only. 3% balance transfer fee, plus other fees and charges, T&Cs, apply. 1

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Benefits

No annual fee

Enjoy a $0 annual fee with this card.

Save on foreign transaction fees

No foreign transaction fees for Platinum cardholders. 2

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 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.

Purchase now, pay off later

With Easy Instalments purchase plans, you can spread the cost of up to five eligible purchases over four manageable monthly instalments, at 0% p.a. Plus, you can manage them in the app. 4 See the 'Things you should know’ section at the bottom of this page for the full T&Cs.

There are two types of $0 annual fee cards

Rates and fees

Type Rate
Purchase rate ? 14.99% p.a.
Ongoing balance transfer rate ? The ongoing balance transfer rate is the rate that applies after the introductory period finishes.  14.99% p.a.
Cash advances ? 21.99% p.a.
Type
Rate
Purchase rate ?
14.99% p.a.
Ongoing balance transfer rate ? The ongoing balance transfer rate is the rate that applies after the introductory period finishes. 
14.99% p.a.
Cash advances ?
21.99% p.a.
Type Fee
Annual fee $0
Balance transfer fee 3%
Foreign transaction fee 2 2.95% of transaction amount (waived for Zero Platinum customers)
Late payment administrative fee ? When the minimum payment is not processed by the due date.  $25 per statement period
Cash advance fee 3% of transaction amount or $4 (whichever is greater)
Paper statement fee ? Avoid this fee with eStatements.
$1.25 per statement
Type
Fee
Annual fee
$0
Balance transfer fee
3%
Foreign transaction fee 2
2.95% of transaction amount (waived for Zero Platinum customers)
Late payment administrative fee ? When the minimum payment is not processed by the due date. 
$25 per statement period
Cash advance fee
3% of transaction amount or $4 (whichever is greater)
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).

Our Zero Platinum Mastercard is award winning

It’s been named the Best Travel Credit Card in the 2023 Finder Awards. With 0% foreign transaction fees when spending overseas, no annual fee, complimentary travel insurance and a 14.99% p.a. interest rate for purchases, we think you might like it too.

Apply today

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Check your eligibility

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

  • 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.

Find out more about what you may need to provide.

Already started? Resume your application:

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  1. Bankwest Zero Mastercard introductory offer:
    Introductory balance transfer rate offer is only available to new Bankwest Zero Mastercard customers who apply from 10 November 2023 until the promotion ends, and are approved. Excludes product transfers from existing Bankwest credit cards.

    Introductory balance transfer rate:

    • 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 will be charged at the ongoing rate for 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.

    View balance transfer terms and conditions.

  2. 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.
  3. 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.
  4. 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.
  5. Complimentary overseas travel insurance provides base cover only and limitations, exclusions and eligibility criteria apply. See the Credit Card Insurances Product Disclosure Statement and Information Booklet (PDF) for details.

    Coronavirus (COVID-19)
    COVID-19 cover under the Overseas Emergency Medical and Hospital Expenses benefit is now included for travellers whose journey commenced on or after 24 August 2022. If you have purchased any upgraded cover before 24 August, regardless of the date travel commences, COVID-19 cover is not included under Overseas Emergency Medical and Hospital Expenses benefit. There is no COVID-19 cover for cruise travel or cancellation claims related to COVID-19. Terms and conditions apply.

    There is no cover under any other benefit for claims related to COVID-19 for all destinations. For more information please refer to the Credit Card Insurance PDS (PDF).

Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.

Learn more about the Finder Award Methodology.