Credit Card Compare

Bankwest Zero Platinum Mastercard

8 reviews
Data last updated 20 July 2026
18.99%
Purchase rate
$0
Annual fee
55 days
Interest-free

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Bankwest Zero Platinum Mastercard card
60 second approval
You may have seen us in
The Sydney Morning HeraldNews.com.auYahoo! FinanceDaily Mail Australia

CardIQ

65Good

Good

Overall score, out of 100 · How this works

  • 0% purchase64
  • 55 days interest-free64
  • Balance transfer52
  • Low rate63
  • No annual fee73
  • No foreign fee79
  • Travel60

Customer reviews

3.5

Based on 8 reviews

Reviewers liked travel perks and fees, though complaints about customer service came up too.

OceaRecommends

No annual fee, free inclusions, great service

If I book flights or accommodation using the card, it’s all covered by insurance. I missed a connecting flight home from China and had fraudulent activity which was no fault of my own. The bank was amazing at a very difficult time.

GigiRecommends

A card for all my foreign currency transactions

This is my go-to card for all of my foreign currency transactions. With no annual fee, it doesn’t cost me anything to keep it in my wallet and it saves me heaps of foreign currency transaction fees when I shop online or travel overseas.The only drawback is that I don’t get any…

IndraRecommends

Good for regular travellers, but no reward points

This card is suitable for people who like to travel regularly. It comes with free travel insurance and no foreign exchange fee. Statements are delivered electronically unless you opt-in for paper-based statements, for a fee.There’s no annual fee on the card, but there are no…

JessicaRecommends

Perfect card for travellers

We decided to go with this credit card for the purpose of international travel. There are no fees, and best of all no currency conversion fees. This means it’s not only good for travelling, but international online purchases too. The setup was easy, and we haven’t had to deal…

ChristinaRecommends

Great for travel

It is a great card for travel and convenience and I would recommend it to anyone who travels overseas on work or for leisure. Also you do not get charged an annual fee, and travel insurance is included when you purchase your ticket for travelling via the credit card.

ERecommends

Worth it

This card saved me lots of money. There are no annual or application fees ever, low interest and only 2% cash withdrawal fees—that’s low when compared to other cards which are generally 3%. On top of that, there’s no international transaction fees, making this an excellent…

DougDoesn't recommend

Pay on time and get late fees

Generally this card is excellent but Bankwest really sucks. I always pay on time with BPAY and last bill they charged me late fees saying BPAY processing time varies. That is their problem not mine. I don’t get mobile service at my house, so I can’t use their online banking…

ChennedyRecommends

Flexible

This is a very flexible card. It is accepted everywhere I need. I appreciate the free travel insurance and the overseas purchases conversion fee waiver is most appreciated as I buy overseas a lot. I also found the dispute resolution team invaluable and extremely helpful and fair…

Pros & cons

What's good

  • 6 months at 0% p.a. on balance transfers, shorter than the 12-month median (3% transfer fee, reverts to 18.99% p.a.).
  • 6 months at 0% p.a. on purchases (reverts to 18.99% p.a.).
  • No annual fee.
  • No foreign transaction fee on overseas or online spending.
  • No fee to add an additional cardholder.

Worth noting

  • Earns no rewards points on spending.

Card details

The basics

Additional cardholder fee
$0 p.a.
Card tier
Platinum
Card type
Mastercard
Card use
Personal
Credit limit
$6,000 – $100,000
Credit rating
Good
Rewards program
None

Eligibility

Instant approval
Yes (response in ~60 seconds)
Joint application
No
Minimum age
18 years old
Minimum income
Not specified
Residency
Australian citizen or permanent resident
Temporary residents
Not eligible

Rates & fees

Ongoing interest rates

Cash advances
21.99% p.a.
Purchases
18.99% p.a.

Fees

Additional cardholder fee
$0
Annual fee
No annual fee
Cash advance fee
3% of the amount
Foreign transaction fee
0%
Late payment fee
$25

Repayments

Interest-free period
Up to 55 days on purchases
Minimum repayment
2% of the closing balance or $20, whichever is greater

Balance transfers

Can't transfer from
Bankwest, Commonwealth Bank
Limit
Up to your available credit limit
Period
6 months
Promotional rate
0% p.a.
Revert rate
18.99% p.a.
Transfer fee
3%

While you carry a transferred balance you may not receive interest-free days on new purchases.

Introductory purchase offer

Intro purchase period
6 months
Intro purchase rate
0% p.a.
Reverts to
18.99% p.a.

The intro rate applies to new purchases for the period shown, then reverts to the standard purchase rate.

Rewards

This card doesn't earn rewards points. It focuses on a low cost of ownership instead. If earning points matters to you, compare frequent flyer cards and rewards cards.

Where this card sits vs similar cards

Compared with every other personal credit card we list that has the feature. The further right the dot, the better this card does.

Annual fee$0Tied for best (1st of 200 cards)
Overseas feeNo feeTied for best (1st of 200 cards)
Interest-free days55 daysTop 10% (6th of 192 cards)
Purchase rate18.99%Middle of the market (92nd of 196 cards)
Balance transfer0% for 6 monthsNot as good as most cards (47th of 61 cards)

Data as at August 2026. Rates change often, so check the issuer's terms. Factual information, not a recommendation.

Compare side by side

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Questions and answers

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Sources

Credit Card Compare
Australian credit card statisticsHow CardIQ scores cards
Government
Product reference data (Consumer Data Right)
Issuer
Bankwest