Bankwest Zero Platinum Mastercard

• 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.

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 extended warranty insurance protection and fraud protection insurance as standard benefits.
• 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.