--- title: "Bankwest Zero Platinum Mastercard — Bankwest" description: "Credit & Charge Cards from Bankwest. Rates, fees, features and eligibility as published under Australia's Consumer Data Right." canonical: https://www.cdrcompare.au/brands/bankwest/products/1fd24bada54f4bcebdac39458c282f35 source: "CDR Compare" language: en-AU last_updated: 2026-08-11T20:44:32.000Z --- # Bankwest Zero Platinum Mastercard — Bankwest > Credit & Charge Cards from Bankwest. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare. **Credit & Charge Cards** A credit card for everyday spending with no annual fee. ## At a glance - **Purchase rate:** 18.99% - **Annual fee:** $0.00 ## Apply Applications are handled by the provider: [Apply at Bankwest](https://www.bankwest.com.au/credit-cards/no-annual-fee) ## Interest rates | Type | Rate | Comparison | Applies to | | --- | --- | --- | --- | | Introductory · 6 months (0% p.a. for 6 months on balance transfers after your Card is approved. After the intro period, the ongoing balance transfer rate applies. Limited time for new Zero Mastercard customers only. Minimum balance transfer amount is $500 and a balance transfer 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. Other fees and T&Cs apply. · Only available to new Bankwest Zero Mastercard customers. Excludes product transfers from existing Bankwest credit cards.) | 0% | — | Term 1–6 months | | Introductory · 6 months (0% p.a. for 6 months on purchases after your Card is approved. After the intro period, the ongoing purchase rate applies. Limited time for new Zero Mastercard customers only. Other fees and T&Cs apply. · Only available to new Bankwest Zero Mastercard customers. Excludes product transfers from existing Bankwest credit cards.) | 0% | — | Term 1–6 months | | Purchase (The rate you'll pay on purchases if you're not eligible for an interest free period.) | 18.99% | — | — | | Balance transfer (The rate you'll pay on balance transfers after any introductory period.) | 18.99% | — | — | | Cash advance (The rate you'll pay on any cash advances, including when you withdraw cash) | 21.99% | — | — | ## Fees | Fee | Type | Amount | | --- | --- | --- | | Cash Advance Fee — 3% of transaction amount or $4 (whichever is greater). Payable for transactions that the annual cash advance percentage rate applies to. | Cash advance | 3% of transaction | | Foreign Transaction Fee — Foreign transactions are transaction 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. | Transaction | 0% of transaction | | Late Payment Administration Fee — 1 · Payable for each statement period that the minimum payment is not processed to your card account by the due date. This includes any amount shown on your card account statement as amount due immediately"." | Late payment | $25.00 | | Dishonour Fee — Payable each time a periodical payment or a cheque deposit to your Card Account is dishonoured | Dishonour | $0.00 | | Paper Statement Fee — Charged monthly · Payable for each paper Card Account Statement sent to you. Fee is waived if opted-in to e-statements. | Ongoing | $1.25 | | Over the Limit Fee — Capped at $10.00 per 1 month · Payable for each statement period that you exceed your credit limit. This fee only applies to accounts opened and activated before July 2012, where over limit consent has been provided. | Event | $10.00 | | Annual Fee — Charged yearly · Save on fees with no annual fee. | Ongoing | $0.00 | | Balance Transfer Fee — Charged as a % of the total balance transfer transaction amount. Payable for each transaction that the introductory balance transfer percentage rate applies to. | Event | 3% of transaction | | Customer Trace Fee — Payable each time we have to locate you during the period that you're in default under the card contract. | Event | $10.00 | | Credit Card Replacement Fee — Payable on reissue of a lost credit card over the entitled two free reissues per Card Account per calendar year. This fee does not apply to stolen cards when Bankwest is advised of the police report identification number. | Replacement | $25.00 | ## Instalment plans - **Plan splits** — 4 instalments - **Concurrent plans** — Up to 5 - **Minimum plan value** — $100.00 - **Maximum plan value** — $10,000.00 ## Features - **Card access** — Digital Card (Start spending instantly. No need for a physical card.) - **Card access** — Virtual Cards (Make purchases without using your regular card details. Create a single-use or multi-use virtual card in the app.) - **Additional cards** — up to 3 (You can ask for up to three other people to have an additional Card (excluding a Virtual card)) - **Balance transfers** (Balance transfer your non-Bankwest credit card balances. Conditions apply. ) - **You can bank over the phone.** - **Bill payment (BPAY)** — BPAY (Make bill payments electronically through BPAY) - **Digital banking** (Bankwest Online Banking is a Service provided by us that is accessible via a computer or mobile device with internet access, and a mobile device using the Bankwest App, which enables a User to make enquiries and effect transactions over the Internet on your Card account using a PAN and Password.) - **Digital wallet** — Apple Pay (Add your card to your digital wallet, then spend instantly with Apple Pay) - **Digital wallet** — Garmin Pay (Add your card to your digital wallet, then spend instantly with Garmin Pay) - **Digital wallet** — Google Pay (Add your card to your digital wallet, then spend instantly with Google Pay) - **Digital wallet** — Samsung Pay (Add your card to your digital wallet, then spend instantly with Samsung Pay) - **Instalment plan** (Easy Instalments Purchase Plans can help you spread the cost of up to five eligible purchases between $100 and $10,000 over four monthly instalments at 0% p.a. If you have an eligible purchase, you'll get an offer in the Bankwest App. Terms and conditions apply.) - **Instalment plan** (Easy Instalments Balance Plans can help you pay off all or part of your purchase balance over an agreed term at a lower rate. If you're eligible for a plan, you'll get an offer in the Bankwest App. From there, you can select the plan that best suits you. Terms and conditions apply.) - **No foreign transaction fees or overseas ATM fees apply.** - **Fraud protection** (Lock your card from the app, see if an account name checks out when making a payment, and manage your security in the app.) - **Interest-free period** — 55 days (Up to 55 interest free days on purchases. 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.) - **Interest-free period** — 6 months (0% p.a. for 6 months on purchases after your Card is approved. After the intro period, the ongoing purchase rate of 18.99% p.a. applies. Limited time for new Zero Mastercard customers only. Other fees and T&Cs apply.) - **Interest-free transfers** — 6 months (0% p.a. for 6 months on balance transfers after your Card is approved, with a 3% balance transfer fee. After the intro period, the ongoing balance transfer rate of 18.99% p.a. applies. Limited time for new Zero Mastercard customers only. Minimum balance transfer amount is $500 and a balance transfer 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. Other fees and T&Cs apply.) - **Notifications** — Credit card repayment reminders (Get alerts when your next repayment is due.) ## Eligibility - **Minimum age** — 18 years (Customers must be 18 years or older.) - **Individuals only** (Customers must be an individual.) - **Customers must meet Bankwest's credit assessment criteria, which includes demonstrating the capacity to service the credit facility.** - **Residency status** — Australian citizen or Australian permanent resident (Customers must be living in Australia as an Australian citizen or Australian permanent resident (exceptions may apply)) ## Constraints - **Minimum limit** — $6,000.00 (Minimum credit limit $6000.) ## More information from Bankwest - [Overview](https://www.bankwest.com.au/credit-cards/no-annual-fee) - [Eligibility](https://www.bankwest.com.au/content/dam/bankwest/documents/tmd/Credit-Cards/20-05-2026/bankwestzeroplatinummastercard-tmd-190520261041.pdf) - [Fees & pricing](https://www.bankwest.com.au/credit-cards/no-annual-fee) ## Data provenance - Published by Bankwest under the Consumer Data Right - Product ID: `1fd24bada54f4bcebdac39458c282f35` - Last updated by the provider: 11 August 2026 - Source payload (JSON): https://www.cdrcompare.au/api/raw/bankwest/1fd24bada54f4bcebdac39458c282f35 - Provider page: https://www.cdrcompare.au/brands/bankwest - CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000029 --- Source: [CDR Compare](https://www.cdrcompare.au/brands/bankwest/products/1fd24bada54f4bcebdac39458c282f35) — product data published by Australian data holders under the Consumer Data Right. 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