The Bankwest Zero Platinum Credit Card bagged not one, but three 2021 Mozo Experts Choice Award for best No Annual Fee Platinum Credit Card, best Balance Transfer Platinum Credit Card and best Low Rate 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 14.99% 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, for a limited time there is an offer for new Zero Mastercard customers which includes no annual fee, no foreign transaction fees and 0% p.a. on balance transfers for 34 months (with an one-off 2% balance transfer fee, other fees and T&Cs also apply). After this introductory period, any remaining balance will revert to the standard balance transfer rate 14.99% p.a..
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.
| 14.99% p.a. | |
| none | |
| 0% p.a. for 34 months and then 14.99% p.a. (2.00% balance transfer fee) | |
| 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
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
Zero Mastercard
14.99% p.a.
0% p.a. for 34 months and then 14.99% p.a. (2.00% balance transfer fee)
$0
Bankwest
Breeze Mastercard
0% p.a. for 15 months then 9.90% p.a.
0% p.a. for 15 months and then 9.90% p.a.
$49 $0 in the first year
Bendigo Bank
Low Rate Credit Card
0% p.a. for 18 months then 11.99% p.a.
No current offer
$45
Virgin Money
Virgin Australia Velocity Flyer Card - Bonus Points Offer
20.74% p.a.
0% p.a. for 18 months and then 20.99% p.a.
$129 $64 in the first year
Velocity Frequent Flyer
MoneyMe
Freestyle Virtual Mastercard
16.99% p.a.
No current offer
$209 $0 - $149 based on credit limit, $5/month for balances over $20.
Westpac
Low Rate
13.74% p.a.
0% p.a. for 28 months and then 21.49% p.a. (1.00% balance transfer fee)
$59 $0 in the first year
Bendigo Bank
Platinum Rewards Credit Card
0% p.a. for 12 months then 19.99% p.a.
No current offer
$89
Bendigo Rewards
Virgin Money
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
20.74% p.a.
0% p.a. for 28 months and then 20.99% p.a.
$129 $0 in the first year
Velocity Frequent Flyer
St.George
Vertigo
13.99% p.a.
0% p.a. for 32 months and then 21.49% p.a.
$55 $0 in the first year
Bendigo Bank
Platinum Rewards Credit Card
Bendigo Rewards
$89
No current offer
1.5 points uncapped
Virgin Money
Virgin Australia Velocity Flyer Card - Bonus Points Offer
Velocity Frequent Flyer
$129 $64 in the first year
100,000
0.66 points up to $1,500/month, then
0.5 points uncapped
Westpac
Altitude Black
Altitude Rewards
$250 $99 in the first year
180,000
1.25 points uncapped
American Express
Velocity Platinum Card
Velocity Frequent Flyer
$375
100,000
1.25 points uncapped
NAB
Qantas Rewards Signature Card
Qantas Frequent Flyer
$395 $295 in the first year
110,000
1 point up to $5,000/month, then
0.5 points up to $20,000/month
Virgin Money
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
0% p.a. for 28 months and then 20.99% p.a.
20.74% p.a.
$129 $0 in the first year
Velocity Frequent Flyer
Virgin Money
Virgin Australia Velocity High Flyer Card
0% p.a. for 12 months and then 20.99% p.a.
20.74% p.a.
$289
Velocity Frequent Flyer
Westpac
Low Rate
0% p.a. for 28 months and then 21.49% p.a. (1.00% balance transfer fee)
13.74% p.a.
$59 $0 in the first year
Bankwest
Breeze Mastercard
0% p.a. for 15 months and then 9.90% p.a.
0% p.a. for 15 months then 9.90% p.a.
$49 $0 in the first year
Bank of Melbourne
Vertigo
0% p.a. for 32 months and then 21.49% p.a.
13.99% p.a.
$55 $0 in the first year
BankSA
Vertigo
0% p.a. for 32 months and then 21.49% p.a.
13.99% p.a.
$55 $0 in the first year
HSBC
Platinum Credit Card
0% p.a. for 36 months and then 21.99% p.a.
19.99% p.a.
$129 $29 in the first year
Rewards Plus
St.George
Vertigo
0% p.a. for 32 months and then 21.49% p.a.
13.99% p.a.
$55 $0 in the first year
Bendigo Bank
Low Rate Credit Card
0% p.a. for 18 months then 11.99% p.a.
No current offer
$45
Virgin Money
Low Rate Card
11.99% p.a.
0% p.a. for 15 months and then 21.69% p.a. (1.00% balance transfer fee)
$99
MoneyMe
Freestyle Virtual Mastercard
16.99% p.a.
No current offer
$209 $0 - $149 based on credit limit, $5/month for balances over $20.
Bankwest
Breeze Mastercard
0% p.a. for 15 months then 9.90% p.a.
0% p.a. for 15 months and then 9.90% p.a.
$49 $0 in the first year
Westpac
Low Rate
13.74% p.a.
0% p.a. for 28 months and then 21.49% p.a. (1.00% balance transfer fee)
$59 $0 in the first year
NAB
Low Rate Card
12.99% p.a.
0% p.a. for 32 months and then 21.74% p.a. (0% balance transfer fee)
$59 $0 in the first year
St.George
Vertigo
13.99% p.a.
0% p.a. for 32 months and then 21.49% p.a.
$55 $0 in the first year
BankSA
Vertigo
13.99% p.a.
0% p.a. for 32 months and then 21.49% p.a.
$55 $0 in the first year
Bendigo Bank
Low Rate Credit Card
0% p.a. for 18 months then 11.99% p.a.
No current offer
$45
Westpac
Low Rate
13.74% p.a.
0% p.a. for 28 months and then 21.49% p.a. (1.00% balance transfer fee)
$59 $0 in the first year
Bendigo Bank
Platinum Rewards Credit Card
0% p.a. for 12 months then 19.99% p.a.
No current offer
$89
St.George
Vertigo
13.99% p.a.
0% p.a. for 32 months and then 21.49% p.a.
$55 $0 in the first year
BankSA
Vertigo
13.99% p.a.
0% p.a. for 32 months and then 21.49% p.a.
$55 $0 in the first year
Bankwest
Breeze Mastercard
0% p.a. for 15 months then 9.90% p.a.
0% p.a. for 15 months and then 9.90% p.a.
$49 $0 in the first year
Bank of Melbourne
Vertigo
13.99% p.a.
0% p.a. for 32 months and then 21.49% p.a.
$55 $0 in the first year
Great Southern Bank
Low Rate Credit Card
11.99% p.a.
0% p.a. for 33 months and then 21.74% p.a.
$49 $0 in the first year
