The Bankwest Zero Platinum Credit Card took out a 2020 Mozo Experts Choice Award for best No Annual Fee Platinum Credit Card and best Balance Transfer Platinum Credit Card. So what makes it a top credit card for your wallet, and our judges love it so much?
Well no annual fee, up to 55 interest free days and no foreign exchange margin on international purchases helps. Plus for no extra cost you'll get top premium benefits like complimentary overseas travel insurance, interstate flight inconvenience insurance and price guarantee insurance.
The Bankwest Zero Platinum Credit Card has a standard purchase rate of 17.99% p.a. but comes with up to 55 interest free days. It has no annual fee which really sets it apart from many other platinum cards in the market and it's a great card to take travelling or use when shopping online as there is no foreign transaction fee.
If you have debt on another card you want to transfer over there is a 2.99% p.a. balance transfer offer for 9 months, after which any remaining balance will revert to the standard 17.99% p.a. purchase rate.
The platinum perks of the Zero Platinum card include complimentary overseas travel insurance for you and the family. You'll be covered for the basics, but there are some policy limits and exclusions so be sure to check out the policy details before travelling.
The card also has extended warranty, purchase security and price guarantee insurance, which means that if you find a cheaper printed purchase price within 21 days you can claim the difference (minimum of $75).
This is a great card for fee haters and for shoppers that will get the most out of the free insurance coverage offered with the card.
Be sure to automate your payments or set up "Easy Alerts" notifications in your Bankwest app, or you could be up for a $25 late payment fee.
17.99% p.a.
none
2.99% p.a. for 9 months and then 17.99% p.a.
no
21.99% p.a.
55
$0.00
none
none
none
$25.00
2%, Min $4.00
0%
$2.50
$0.00
$0.00
$20.00
2.0
3
none
Apple Pay, Google Pay, Payment Ring
Extended Warranty,
Purchase Protection,
Overseas Travel Insurance
I use my Zero Platinum Mastercard for almost all purchases. The app allows me to track my spending, and how much I need to pay to avoid interest fees. So easy.
Read full reviewI use my Zero Platinum Mastercard for almost all purchases. The app allows me to track my spending, and how much I need to pay to avoid interest fees. So easy.
No international transaction fees makes this the perfect card for travel and online shopping.
Read full reviewNo international transaction fees makes this the perfect card for travel and online shopping.
Difficult to deal with when I lost my credit card.
Read full reviewDifficult to deal with when I lost my credit card.
Love this product. Easy to use card, internet banking is user friendly and regular 0% balance transfer offers.
Read full reviewLove this product. Easy to use card, internet banking is user friendly and regular 0% balance transfer offers.
I got this credit card because it has no annual fee and no transaction fees for international purchases, so it's excellent value especially if you do lots of travelling or shopping online from overseas sites. The application process was pretty smooth and Bankwest have been easy to deal with. I don't pay interest on my credit card so don't need to worry about the rate, but I think it is pretty high. I'd say this is a good card for those who are good at managing their credit card spending and paying it off on time, and don't want to be hit with annoying fees.
Read full reviewI got this credit card because it has no annual fee and no transaction fees for international purchases, so it's excellent value especially if you do lots of travelling or shopping online from overseas sites. The application process was pretty smooth and Bankwest have been easy to deal with. I don't pay interest on my credit card so don't need to worry about the rate, but I think it is pretty high. I'd say this is a good card for those who are good at managing their credit card spending and paying it off on time, and don't want to be hit with annoying fees.
Bankwest is all about making your finances simple. Originally from Western Australia, Bankwest has attracted thousands of customers around the country with its competitively priced products such as the Hero Saver. In late 2008 the bank was bought by the Commonwealth Bank, which has promised to retain the Bankwest brand. So if you like the sound of simple banking, check out Bankwest's range of personal banking products including savings accounts, bank accounts, credit cards, home loans and more.
Bankwest
More Platinum Mastercard
19.99% p.a.
0% p.a. for 6 months and then 19.99% p.a. (1.00% balance transfer fee)
$160
Bankwest
More Mastercard
19.99% p.a.
0% p.a. for 6 months and then 19.99% p.a. (1.00% balance transfer fee)
$100
Bankwest
Zero Mastercard
17.99% p.a.
2.99% p.a. for 9 months and then 17.99% p.a.
$0
Bankwest
Breeze Mastercard
0% p.a. for 15 months then 10.99% p.a.
2.99% p.a. for 9 months and then 10.99% p.a. (0% balance transfer fee)
$49
Bankwest
Breeze Platinum Mastercard
0% p.a. for 15 months then 10.99% p.a.
2.99% p.a. for 9 months and then 10.99% p.a. (0% balance transfer fee)
$69
Bankwest
Qantas Platinum Mastercard
20.49% p.a.
2.99% p.a. for 9 months and then 20.49% p.a.
$160
Bankwest
More World Mastercard
19.99% p.a.
0% p.a. for 6 months and then 19.99% p.a. (1.00% balance transfer fee)
$270
Westpac
Low Rate
13.74% p.a.
0% p.a. for 24 months and then 21.49% p.a. (1.00% balance transfer fee)
$59
Bendigo Bank
Low Rate Credit Card
0% p.a. for 15 months then 11.99% p.a.
No current offer
$45
CUA
Low Rate Credit Card
11.99% p.a.
0% p.a. for 20 months and then 21.74% p.a.
$49 $0 in the first year
Defence Bank
Foundation Credit Card
3.99% p.a. for 6 months then 8.99% p.a.
3.99% p.a. for 6 months and then 8.99% p.a.
$45
CUA
Platinum Credit Card
19.99% p.a.
0% p.a. for 20 months and then 21.74% p.a.
$149 $0 in the first year
CUA Platinum Rewards
American Express
Qantas Discovery Card
20.74% p.a.
No current offer
$0
Qantas Frequent Flyer
Virgin Money
No Annual Fee Card
0% p.a. for 12 months then 18.99% p.a.
0% p.a. for 12 months and then 20.99% p.a.
$0
American Express
Qantas Discovery Card
Qantas Frequent Flyer
$0
No current offer
0.75 points uncapped
American Express
Qantas Premium Card
Qantas Frequent Flyer
$249
30,000
1 point uncapped
American Express
Velocity Escape Card
Velocity Frequent Flyer
$0
No current offer
0.75 points uncapped
NAB
Qantas Rewards Premium Card
Qantas Frequent Flyer
$250
30,000
0.66 points up to $3,000/month, then
0.33 points up to $6,000/month
Bankwest
Qantas Platinum Mastercard
Qantas Frequent Flyer
$160
30,000
0.75 points up to $2,500/month, then
0.3 points uncapped
American Express
Qantas Ultimate Card
Qantas Frequent Flyer
$450
55,000
1.25 points uncapped
Virgin Money
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
0% p.a. for 26 months and then 20.99% p.a.
20.74% p.a.
$129 $64 in the first year
Velocity Frequent Flyer
Westpac
Low Rate
0% p.a. for 24 months and then 21.49% p.a. (1.00% balance transfer fee)
13.74% p.a.
$59
CUA
Low Rate Credit Card
0% p.a. for 20 months and then 21.74% p.a.
11.99% p.a.
$49 $0 in the first year
ANZ
Low Rate
0% p.a. for 25 months and then 20.24% p.a. (1.50% balance transfer fee)
12.49% p.a.
$58 $0 in the first year
NAB
Low Rate Card
0% p.a. for 20 months and then 21.74% p.a. (2.00% balance transfer fee)
12.99% p.a.
$59
Bankwest
Breeze Mastercard
2.99% p.a. for 9 months and then 10.99% p.a. (0% balance transfer fee)
0% p.a. for 15 months then 10.99% p.a.
$49
Virgin Money
Virgin Australia Velocity Flyer Card - Purchase Rate Offer
0% p.a. for 6 months and then 20.99% p.a.
0% p.a. for 14 months then 20.74% p.a.
$129 $64 in the first year
Velocity Frequent Flyer
Bendigo Bank
Low Rate Credit Card
0% p.a. for 15 months then 11.99% p.a.
No current offer
$45
Defence Bank
Foundation Credit Card
3.99% p.a. for 6 months then 8.99% p.a.
3.99% p.a. for 6 months and then 8.99% p.a.
$45
CUA
Low Rate Credit Card
11.99% p.a.
0% p.a. for 20 months and then 21.74% p.a.
$49 $0 in the first year
Westpac
Low Rate
13.74% p.a.
0% p.a. for 24 months and then 21.49% p.a. (1.00% balance transfer fee)
$59
ANZ
Low Rate
12.49% p.a.
0% p.a. for 25 months and then 20.24% p.a. (1.50% balance transfer fee)
$58 $0 in the first year
NAB
StraightUp Card
0% p.a.
No current offer
$120 $10/month - waived if no spend & no balance owing
Bankwest
Breeze Mastercard
0% p.a. for 15 months then 10.99% p.a.
2.99% p.a. for 9 months and then 10.99% p.a. (0% balance transfer fee)
$49
Westpac
Low Rate
13.74% p.a.
0% p.a. for 24 months and then 21.49% p.a. (1.00% balance transfer fee)
$59
Bendigo Bank
Low Rate Credit Card
0% p.a. for 15 months then 11.99% p.a.
No current offer
$45
CUA
Low Rate Credit Card
11.99% p.a.
0% p.a. for 20 months and then 21.74% p.a.
$49 $0 in the first year
Defence Bank
Foundation Credit Card
3.99% p.a. for 6 months then 8.99% p.a.
3.99% p.a. for 6 months and then 8.99% p.a.
$45
Virgin Money
No Annual Fee Card
0% p.a. for 12 months then 18.99% p.a.
0% p.a. for 12 months and then 20.99% p.a.
$0
NAB
StraightUp Card
0% p.a.
No current offer
$120 $10/month - waived if no spend & no balance owing
ANZ
Low Rate
12.49% p.a.
0% p.a. for 25 months and then 20.24% p.a. (1.50% balance transfer fee)
$58 $0 in the first year
