Bankwest Zero Platinum Mastercard: Fee-Free Spending with Added Perks

In a time where every dollar counts, finding a credit card that offers zero fees and great perks is like winning the lottery. The Bankwest Zero Platinum Mastercard is designed for those who want to make the most of their everyday purchases without the burden of annual fees or international transaction costs.

Whether you’re a frequent traveller, an online shopper or just someone who likes to save on unnecessary fees, this card has something for you.

Read on to learn what makes the Bankwest Zero Platinum Mastercard an attractive choice and how it can fit perfectly into your financial life.

Bankwest Zero Platinum Mastercard: A Comprehensive Review

The Bankwest Zero Platinum Mastercard is a top choice for those seeking a credit card with no annual fees, designed to provide premium features without the usual costs.

Perfect for frequent travellers and savvy shoppers, this card offers several key benefits, including a 0% foreign transaction fee and complimentary travel insurance.

Key Features of the Bankwest Zero Platinum Mastercard

One of the standout features of the Bankwest Zero Platinum Mastercard is the 0% p.a. interest rate for the first six months on purchases and balance transfers. This introductory offer is available for a limited time and is exclusively for new customers.

A 3% balance transfer fee applies, along with other fees, so it’s essential to be aware of the full terms and conditions.

This card also comes with no annual fee, making it a cost-effective choice for budget-conscious consumers. For those who frequently travel or shop internationally, the 0% foreign transaction fee is a significant advantage. Unlike many other cards, this benefit allows you to use your card abroad without worrying about extra charges on foreign currency transactions.

Purchase Flexibility and Interest-Free Period

The Bankwest Zero Platinum Mastercard offers up to 55 interest-free days on purchases, allowing you to make purchases now and pay later without incurring interest charges. This feature is particularly beneficial for managing your cash flow effectively.

Additionally, the card offers the option to spread the cost of up to five eligible purchases over four monthly instalments at 0% p.a. This payment plan can be managed easily through the Bankwest app, providing flexibility and convenience when it comes to managing your spending.

Multi-Currency View and Platinum Perks

The Bankwest app includes a multi-currency view feature, allowing you to see your balance in a foreign currency of your choice. This is particularly useful for frequent travellers who want to keep track of their spending in different currencies.

The platinum perks extend beyond just travel benefits. The card also offers a minimum credit limit of $6,000, catering to those who need a higher spending capacity without the burden of high fees.

Rates and Fees to Consider

While the Bankwest Zero Platinum Mastercard is fee-free in many respects, it’s important to be aware of the ongoing rates and potential fees:

• Ongoing Purchase Rate: 18.99% p.a.
• Ongoing Balance Transfer Rate: 18.99% p.a. (after the introductory period)
• Cash Advance Rate: 21.99% p.a.
• Balance Transfer Fee: 3%
• Late Payment Fee: $25 per statement period
• Cash Advance Fee: 3% of the transaction amount or $4, whichever is greater
• Paper Statement Fee: $1.25 per statement

The absence of a foreign transaction fee for Platinum cardholders is a major draw, but it’s worth noting that this fee is 2.95% of the transaction amount for other cardholders. Being mindful of these fees can help you maximize the benefits of the card and avoid unnecessary costs.

This is What You Need to Apply for the Bankwest Zero Platinum Mastercard

If you’re considering applying for the Bankwest Zero Platinum Mastercard, here’s what you’ll need:

1. Minimum Age: You must be at least 18 years old to apply for this card.
2. Residency Status: You need to be an Australian citizen or a permanent resident to be eligible.
3. Credit History: A good credit history is essential. Bankwest will check your credit score to ensure you’ve managed credit responsibly in the past.
4. Income Requirements: While Bankwest doesn’t publicly disclose a specific minimum income requirement, you will need to provide proof of income to demonstrate your ability to repay the credit.
5. Identification: You’ll need to provide valid identification, such as a driver’s licence or passport, as part of the application process.

This is What You Must Do to Apply for Your Bankwest Zero Platinum Mastercard

Applying for the Bankwest Zero Platinum Mastercard is a straightforward process, and it can be done online in just a few steps:

1 – Head to the Bankwest Zero Platinum Mastercard page:

2 – Click on “Apply Today” to get started.

3 – Choose your option:

• I’m an existing Bankwest customer: You can apply faster via online banking or through the online form.
• I’m a new Bankwest customer: Use the easy online application.

4 – Fill out the online application with your details.

5 – Submit your application for approval.

Once you’ve submitted your application, you’ll typically get a response within a few business days. If approved, your card will be posted and should arrive within 5 to 7 business days.

Maximizing Your Bankwest Zero Platinum Mastercard

To make the most of your Bankwest Zero Platinum Mastercard, consider setting up automatic payments to avoid missing due dates. Paying your balance in full each month is a smart way to avoid interest charges and keep your finances on track.

Additionally, regularly monitoring your account statements will help you spot any unauthorized transactions and ensure you’re sticking to your budget. The Bankwest app makes it easy to manage your account and keep track of your spending.

For travellers, activating your complimentary travel insurance before each trip is crucial to ensure coverage. The platinum concierge service is another valuable feature to take advantage of, especially when planning travel or securing reservations at exclusive venues.

Frequently Asked Questions

To help you navigate the finer details of the Bankwest Zero Platinum Mastercard, here are answers to some common questions:

How Long Will It Take for My Card to Arrive?

After your application is approved, it typically takes about 5-10 business days for your card to arrive. If you need it urgently, you might want to inquire about expedited shipping options.

How Do I Increase the Credit Limit on This Card?

To request a credit limit increase, you can log into your Bankwest online account and submit a request, or you can call customer service. Keep in mind that Bankwest may require additional information, such as proof of income, to approve the increase.

How to Activate the Bankwest Zero Platinum Mastercard?

Activating your card is simple. Once you receive it, you can activate it online through your Bankwest account or by calling the activation number provided with your card. Make sure to sign the back of your card as soon as it’s activated.

What Do I Do If I Can’t Pay the Full Amount of My Card Debt?

If you’re unable to pay your full balance, it’s important to at least make the minimum payment to avoid late fees and a negative impact on your credit score. You might also consider contacting Bankwest’s financial hardship team to discuss payment options or setting up a payment plan.

Bankwest Zero Platinum Mastercard’s Attention Channels

If you need help with your Bankwest Zero Platinum Mastercard, there are several ways to get in touch with Bankwest:

• Phone: You can call Bankwest’s customer service for assistance with your account, whether it’s about billing inquiries, reporting a lost card, or general support: 13 17 19 or fax: 1300 765 515
• The Bankwest App:

• Visit a Branch: If you prefer face-to-face assistance, you can visit a Bankwest branch to speak with a representative: Click here, to find a branch!
• Email: Email: For non-urgent inquiries, you can email Bankwest’s customer service. Log in to Bankwest Online Banking, go to ‘Message center’ then click ‘Bankmail’.