Winner of the 2024 Finder Award for Best Travel Credit Card, the Bankwest Zero Platinum gives you a few ways to save on card costs – including 0% foreign transaction fees and no annual fee ever. Right now, it also offers 0% p.a. on purchases and balance transfers for 6 months with a 3% balance transfer fee.
Bankwest Zero Platinum Mastercard
![Bankwest Zero Platinum Mastercard](https://www.finder.com.au/niche-builder/5e37632463479.jpg)
- Balance transfer rate for 6 months with 3% balance transfer fee
- 0% p.a.
- Purchase rate for the first 6 months (reverts to 18.99%)
- 0% p.a.
- Annual fee
- $0 p.a.
- Interest-free on purchases
- Up to 55 days
Our verdict
The Bankwest Zero Platinum has no annual fee for life and offers 0% p.a. on purchases and balance transfers for 6 months, but with a 3% balance transfer fee.
Pros
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0% p.a. on purchases for 6 months
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0% p.a. on balance transfers for 6 months
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0% foreign transaction fees online and overseas
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3 additional cardholders at no extra cost
Cons
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Even with a $0 annual fee and 18.99% p.a. purchase rate, you must still be approved for a $6,000 minimum credit limit.
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Charges a 3% balance transfer fee
Details
Product details
Product Name | Bankwest Zero Platinum Mastercard |
Balance transfer rate p.a. | 0% for 6 months with 3% balance transfer fee, then 18.99% |
Balance transfer limit | 95% of available limit |
Purchase rate p.a. | Purchase rate p.a. 0% for 6 months, then 18.99% |
Interest-free period | Up to 55 days on purchases |
Cash advance rate p.a. | 21.99% |
Min credit limit | $6,000 |
Card type | Mastercard |
Eligibility
Available to temporary residents | No |
Joint application | No |
Rewards
Bonus points | N/A |
Fees
Annual fee | Annual fee $0 |
Minimum monthly repayment | 2% of the closing balance or $20, whichever is greater |
Late payment fee | $25 |
Foreign currency conversion fee | Foreign currency conversion fee 0% |
Cash advance fee | 3% or $4, whichever is greater |
Overseas cash advance fee | 3% or $4, whichever is greater |
Overseas ATM withdrawal fee | $0 |
Additional cardholder fee | $0 |
Number of additional cardholders | 3 |
Your reviews
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Amy Finder
Editor
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![Avatar](https://www.finder.com.au/finder-au/wp-uploads/2023/10/Sarah-Megginson_2023_600x600.jpg)
Sarah Megginson Finder
July 26, 2024
Hi Moira,
BankWest will want evidence that you have the income or capacity to make repayments and you can afford the debt. As a self-funded retiree, you might be able to provide evidence in the form of bank statements, tax returns or investment documentation.
Hope this helps!
![Avatar](https://www.finder.com.au/global/images/finder-default-gravatar-64.png)
Michael
July 05, 2024
Hi, can I apply if I’m self-employed?
![Avatar](https://www.finder.com.au/finder-au/wp-uploads/2023/10/Sarah-Megginson_2023_600x600.jpg)
Sarah Megginson Finder
July 17, 2024
Hi Michael,
The bank will assess your application based on your verified income. You can definitely apply if you are self-employed, but they will generally want to see 2 years worth of tax returns to verify your income.
Hope this helps!
![Avatar](https://www.finder.com.au/global/images/finder-default-gravatar-64.png)
Juliann Boardman
June 24, 2024
Hi, does this card come with free travel insurance
Thanks
![Avatar](https://www.finder.com.au/finder-au/wp-uploads/2023/10/Sarah-Megginson_2023_600x600.jpg)
Sarah Megginson Finder
June 27, 2024
Hi Juliann,
No, this card doesn’t come with complimentary travel insurance.
![Avatar](https://www.finder.com.au/global/images/finder-default-gravatar-64.png)
James
June 17, 2024
How many credit card can I own with Bankwest?
![Avatar](https://www.finder.com.au/finder-au/wp-uploads/2023/10/Sarah-Megginson_2023_600x600.jpg)
Sarah Megginson Finder
June 20, 2024
Hi James,
There is a limit of one Bankwest Breeze Mastercard, one Bankwest Zero Mastercard, one Bankwest Qantas Mastercard and one Bankwest More Mastercard per customer.
![Avatar](https://www.finder.com.au/global/images/finder-default-gravatar-64.png)
Daniel
May 28, 2024
Hi there does Bankwest accept balance transfers from CBA credit cards? I understand BankWest is a subsidiary of CBA now and accepts BTs from ‘non-BankWest-issued cards’ yet am unsure if CBA would be included or excluded? Thanks
Moira Harris
July 21, 2024
Hi I am a self funded retiree and intend travelling overseas in September for a month.
As I no longer work do I qualify for the Bank West Zero Platinum Mastercard?
Many thanks
Moira Harris