AU banking region credit

Bankwest Zero Platinum

No-annual-fee Mastercard with 0% foreign transaction fee for overseas spend and a $6,000 minimum credit limit.

Features

  • No annual fee ($0)
  • 0% foreign transaction fee on Zero Platinum
  • Up to 55 days interest free on purchases
  • 0% p.a. for 6 months on purchases and balance transfers (new Zero customers, T&Cs apply)
  • In-app controls including instant card lock

Live conversion

Amount to spend
Spend currency

Estimated total

-

in AUD

Loading live rate...

Bankwest Zero Platinum

Ready to apply?

Apply Now

Quick Verdict

Bankwest Zero Platinum is best suited to Australian residents who want a no-annual-fee card with no Bankwest foreign transaction fee on overseas purchases. Its strongest value point is straightforward pricing with a 0% listed foreign transaction fee and a $0 annual fee. The main trade-off is that promotional offers are time-limited and eligibility criteria apply.

At a Glance

  • Annual fee: $0
  • Foreign transaction fee: 0% (Zero Platinum)
  • Minimum credit limit: $6,000
  • Interest-free period: Up to 55 days
  • Eligibility summary: 18+ years, Australian permanent resident, and no existing Bankwest Zero Mastercard
  • Mobile wallet support: Bankwest publishes Apple Pay and Google Pay terms for eligible Bankwest credit and debit Mastercards; Zero-page card-level eligibility details are not separately listed.

FX Fees and Exchange Rate Policy

Bankwest states the Zero Platinum foreign transaction fee is 0%, which means Bankwest does not add its own FX fee percentage to the converted transaction amount for this card variant. The source page does not disclose the exact exchange-rate methodology or any scheme-rate timing details for international transactions.

Worked example for a 1000 USD equivalent spend:

  • If a 1000 USD card purchase converts to A$X at the applicable Mastercard exchange rate, Bankwest’s listed foreign transaction fee for Zero Platinum is 0%, so the posted amount remains A$X (before any merchant-specific surcharges).

Travel Benefits and Protections

The page positions Zero Platinum as useful for travel spend due to the 0% foreign transaction fee and references a Canstar Outstanding Value Travel Credit Card award in 2025. For insurance and protection features, the card comparison table lists complimentary overseas travel insurance, extended warranty insurance, price guarantee insurance, and purchase security insurance as Not applicable for Zero Platinum.

No additional issuer travel insurance terms are disclosed on this source page.

Rewards and Ongoing Value

Bankwest lists points earned and points cap for Zero Platinum as Not applicable, so this product does not provide a points-earning rewards program on the source page. Ongoing value is centered on fee structure (no annual fee and no Bankwest foreign transaction fee for Platinum) rather than reward earn.

Fees, Limits, and Fine Print

  • Annual fee: $0
  • Foreign transaction fee: 0% (Zero Platinum)
  • Intro offer shown: 0% p.a. for 6 months on purchases and balance transfers for new Bankwest Zero Mastercard customers (limited time; T&Cs apply)

App Experience and Security

Bankwest highlights app-based controls and servicing, including checking amount owing, repayment alerts, instant card lock, and starting to spend instantly without waiting for a physical card. Bankwest’s app page also states virtual cards are available for all retail credit cards (subject to eligibility criteria and account requirements). The source set does not provide detailed dispute turnaround times or Zero-specific biometric/security protocol specifics.

Who This Card Is Best For

  • Australians who want a no-annual-fee credit card and plan to repay in full each month
  • Travellers prioritising a 0% listed foreign transaction fee on card purchases
  • Cardholders comfortable with a higher minimum credit limit of $6,000
  • Users who value app controls such as instant card lock and repayment alerts

FAQ

Does Bankwest Zero Platinum charge an annual fee?

No. Bankwest lists the annual fee as $0.

What is the foreign transaction fee on Zero Platinum?

Bankwest lists 0% foreign transaction fee for Zero Platinum.

Is there a rewards points program on this card?

No rewards points program is listed. Points earned and points cap are shown as Not applicable.

What is the minimum credit limit?

Bankwest lists a $6,000 minimum credit limit for Zero Platinum.

Who can apply for a Zero Mastercard?

The page states applicants must be 18 or over, be an Australian permanent resident, and not already hold a Bankwest Zero Mastercard.

Is complimentary overseas travel insurance included?

The comparison table lists complimentary overseas travel insurance as Not applicable for Zero Platinum.

Sources and Methodology

This page was refreshed using only official Bankwest issuer-site sources listed above. Product terms, rates, and eligibility can change, so confirm current details with Bankwest before applying.