Bankwest Zero Classic and Platinum Mastercard credit cards

0% p.a. for 34 months on balance transfers and no annual fee, ever

Our Bankwest Zero Mastercard® also comes with no foreign transaction fees for Platinum cardholders only, so you can save when you shop online. 1

Balance transfer offer is for a limited time, new Bankwest Zero Mastercard customers only. 2% balance transfer fee, plus other fees and charges, T&Cs, apply. 4


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.

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. 5 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

Our Bankwest Zero Platinum Mastercard is award winning

It’s official

It’s been named Best Credit Card for Travellers in 2020’s Finder Awards, and Best No Annual Fee Platinum Credit Card in 2019’s Mozo Expert Choice Awards. With travel perks and no annual fee, we think you might like it too.

Other rates and fees

Limited time offer

New Bankwest Zero Mastercard customers only. 2% balance transfer fee applies. 4


for 34 months on balance transfers


ongoing balance transfer rate

Rate type Rate
Purchase rate ? 14.99% p.a.
Introductory balance transfer rate for the first 34 months (2% balance transfer fee applies) 4 0% 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.
Fee type Amount
Annual fee $0
Foreign transaction fee 1 2.95% of the 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 2% 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).

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.

  • 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.

Looking for something else?

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

Need help choosing or managing your credit card?

We’ve got a variety of guides and handy info that gives you everything you need to know about using your credit card. Find out more.

If your priority is debt consolidation, you might want to consider a debt consolidation loan.

  1. Foreign transactions are all transactions effected in foreign currency or 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 or World customers. Other fees and charges may apply, including when using overseas ATMs.

  2. 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):​​
    Please note that this event is excluded from cover for all destinations. For more information please see here.

  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. Bankwest Zero Mastercard introductory offer:
    Introductory balance transfer rate offer is only available to new Bankwest Zero Mastercard customers who apply from 4 November 2021 until the promotion ends, and are approved. Excludes product transfers from existing Bankwest credit cards.

    Introductory balance transfer rate:

    • A 2% 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.

  5. 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.

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 circles design are registered trademarks, and tap & go is a trademark, of Mastercard International Incorporated.