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Bankwest Zero Platinum Mastercard
3.1
Highlights
- 0% p.a. for 6 months on purchases and balance transfers, with a 3% balance transfer fee. (Reverts to 18.99% p.a. thereafter.)
- No foreign transaction fees, including when you're shopping at an overseas online store.
- No annual fee to pay for the life of the card.
- Put up to five eligible purchases on an interest-free payment plan with Easy Instalments.
- Credit limits start from a minimum of $6,000.
Pros and cons
Pros
Cons
About this credit card
Basics
Card usage
Apple Pay Enabled
Yes
Card Type
Mastercard
Gambling Transactions Allowed
Yes
Samsung Pay Enabled
Yes
Eligibility
Joint Application Accepted
No
Minimum Age
18 years
Minimum Credit Rating
Below Average, Fair, Good, Very Good, Excellent
Minimum Income
$50,000.00
Temporary Residents Accepted
No
Additional cardholders
Additional Cardholders
3
Additional Card Fee Ongoing
$0.00
Credit limits
Minimum Credit Limit
$6,000.00
Maximum Credit Limit
N/A
Repayments
Interest Charged From
Purchase date
Interest Free Period
Up to 55 days on purchases
Minimum Repayment Percentage
2%
Balance transfers
Balance transfer offer
Balance Transfer Rate
0%
Balance Transfer Period
6 months
Balance Transfer Fee Percentage
3%
Balance transfer conditions
Balance Transfer From Personal Loan
No
Balance Transfer Limit Percentage
95%
Balance Transfer Revert Rate
18.99%
Rates, fees, charges
Cash advances
Cash Advance Rate
21.99% p.a.
Cash Advance Fee
$4.00
Cash Advance Fee Percentage
3%
Cash Advance Fee Threshold
N/A
Purchases
Purchase Rate Introductory Offer
0%
Purchase Rate Introductory Period
6 months
Purchase Rate Ongoing
18.99% p.a.
Account fees
Annual Fee Initial Year
N/A
Annual Fee Ongoing
$0.00
Dishonour Fee
$0.00
Duplicate Statement Fee
$2.50
Foreign Exchange Fee Percentage
0%
Late Payment Fee
$25.00
Rewards
Rewards program basics
Rewards Program
N/A
Rewards Program Annual Fee Initial Year
N/A
Rewards Points Expiry
N/A
Rewards points per $1 spent
Domestic Rewards Points Earn Rate
N/A
Government Rewards Points Earn Rate
N/A
Overseas Rewards Points Earn Rate
N/A
Additional perks
Insurance
Cardholder's Domestic Hotel Burglary Insurance
No
Cardholder's Extended Warranty Insurance
No
Cardholder's International Travel Insurance
No
Cardholder's Interstate Flight Inconvenience
No
Cardholder's Personal Item Theft Cover
Yes
Cardholder's Price Protection Insurance
No
Cardholder's Purchase Protection Insurance
No
Cardholder's Refund Protection
No
Cardholder's Transport Accident Insurance
No
Travel and lifestyle
Airport Lounge Access Included
No
Concierge Service Included
No
Complimentary Flight Voucher Included
No
Complimentary QFF Membership Included
No
Our review
Convenience
Customer service
Rates and fees
Rewards
Trust
The basics
- Additional cardholders. Up to 3 additional cardholders can be added for free. The account holder will be responsible for keeping up with payments and general account management.
- Digital wallets. Compatible with popular digital wallets including Apple Pay, Google Pay, and Samsung Pay.
- Gambling transactions. Gambling transactions are permitted, however, they will attract interest at the cash advance rate.
Rewards and benefits
- Complimentary travel insurance. This card does not include complimentary travel insurance. However, cardholders receive fraud protection insurance as a standard benefit.
- Concierge services. Cardholders do not have access to a concierge service with this card.
- Lounge access. There is no airport lounge access for cardholders.
- Rewards points. There is no rewards program associated with the Bankwest Zero Platinum Mastercard.
Rates and fees
- Annual fee. This card's ongoing annual fee is $0, meaning you can keep the account open without having to pay for it.
- Balance transfers. The Bankwest Zero Platinum Mastercard provides a 6-month balance transfer option with a 3% fee. If any transferred balance is not paid by the end of the introductory period, it will be subject to the purchase rate of 18.99% per annum.
- Cash advances. Purchases classified as cash advances will incur interest at the rate of 21.99% p.a. plus a cash advance fee of 3% (or $4 whichever is greater) of the amount you borrow. Cash advances attract interest immediately from the date of the transaction.
- Foreign exchange fee. There is no fee for foreign currency transactions made with this card.
- Interest-free period. Pay no interest for 55 days when you pay off your credit card bill in full and on time, helping to improve your cash flow between paydays.
- Purchases. Aside from the introductory balance transfer offer, the Bankwest Zero Platinum Mastercard offers 0% p.a. for 6 months on purchases. After this, it reverts to 18.99% p.a.
- Sign-up bonus. This card does not have a sign-up bonus of credit card points.
Reviewed by Credit Card Compare Staff
History
User reviews
Convenience
Customer service
Rates and fees
Rewards
Trust
Flexible
Reviewed by Chennedy
Pay on time and get late fees
Reviewed by Doug
Worth it
Reviewed by E
Great for travel
Reviewed by Christina
Perfect card for travellers
Reviewed by Jessica
Good for regular travellers, but no reward points
Reviewed by Indra
A card for all my foreign currency transactions
Reviewed by Gigi
No annual fee, free inclusions, great service
Reviewed by Ocea
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