Bankwest Zero Platinum Mastercard review – Australia’s top no annual fee travel card with 0% balance transfers
Bankwest Zero Platinum Mastercard is a genuine no annual fee travel card for Aussies, offering 0% p.a. balance transfers for 28 months, no foreign transaction fees and complimentary overseas travel insurance
Why Aussies are choosing the Bankwest Zero Platinum Mastercard
The Bankwest Zero Platinum Mastercard is a genuine no annual fee travel card that has won attention across Australia. With 0% p.a. on balance transfers for 28 months and no foreign transaction fees, this card suits people who want to keep costs down while travelling or consolidating debt.
Cardholders in Australia rate it highly for straightforward value: no ongoing annual fee, a competitive purchase rate and complimentary overseas travel insurance. If you prioritise saving on fees and want a simple travel-friendly card, this one deserves a close look.
Key features that matter for travel and everyday use
The standout features include 0% p.a. balance transfers for 28 months (with a 3% transfer fee), no foreign transaction fees and a low purchase rate compared with many fee-free alternatives. Mobile wallet compatibility with Apple Pay, Google Pay and Samsung Pay makes spending on the go easy for Australian travellers.
There’s also a digital card option so you can use your account straight away in the Bankwest app before the plastic arrives. For frequent travellers and expats, the lack of overseas transaction fees can add up to substantial savings over time.
Costs, limits and travel insurance that actually helps
Even though the card has no annual fee, you should watch the balance transfer fee and cash advance rates. The 3% fee on transfers is reasonable given the lengthy 28-month 0% p.a. offer, and the purchase rate at around 14.99% p.a. is attractive for a no-fee platinum product in Australia.
Complimentary overseas travel insurance is included when you meet the conditions, giving peace of mind on trips. Read the policy terms carefully — cover limits and eligibility apply — but for many travellers the insurance complements the card’s core money-saving features.
Who should apply and how to get the most from this card
The Bankwest Zero Platinum Mastercard is ideal for Aussies wanting a no annual fee card with genuine travel perks and a long 0% balance transfer window to consolidate debt. It’s not focused on rewards points or frequent flyer schemes, so if you chase points you might look elsewhere.
To get the most from the card, pay off purchases monthly to avoid interest, use the 0% balance transfer period to reduce higher-rate debt, and take advantage of the digital card and mobile pay options while overseas. Applying is straightforward online if you meet Bankwest’s eligibility checks and can provide basic ID and income details.