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The Bankwest Zero Platinum credit card is one of the few genuinely free credit cards in Australia — no annual fee, no foreign transaction fees, and no hidden charges. If you want a card that costs nothing to hold and works well overseas, this is the benchmark.
Bankwest Credit Cards at a Glance
No Annual Fee
Bankwest Zero Platinum
$0 fee, 0% foreign transaction fee, up to 55 interest-free days. The benchmark no-cost card.
No Annual Fee
Bankwest Zero Mastercard
$0 fee, lower credit limit option ($1,000+). Same zero foreign fee benefit in a standard tier.
Low Rate
Bankwest Breeze Classic
12.99% p.a. purchase rate, $49/yr fee. Best for those who carry a balance month to month.
Low Rate + Platinum
Bankwest Breeze Platinum
13.99% p.a., $99/yr. Combines low rate with Platinum benefits including travel insurance.
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Why the Bankwest Zero Platinum credit card Stands Out
✓ What makes it worth it:
- Genuinely $0 annual fee — no conditions, no minimum spend required
- Zero foreign transaction fees — rare for a no-fee card in Australia
- Platinum-level benefits: purchase protection, extended warranty, price guarantee
- Up to 55 interest-free days on purchases paid in full
- Apple Pay, Google Pay and Samsung Pay compatible
✗ What to consider:
- No rewards or cashback — purely a cost-saving card
- 19.99% purchase rate — not ideal if you carry a balance
- No sign-up bonus or balance transfer offer
Verdict: Who Should Get This Card?
The Bankwest Zero Platinum credit card makes sense if you pay your balance in full each month and want zero ongoing costs. It is particularly strong for travellers — the combination of no annual fee and no foreign transaction fee is almost unique in Australia. If you carry a balance, a low-rate card will save you more. If you want rewards, check the full directory for cards that earn points or cashback.
Ready to apply? Go directly to Bankwest:
✓ Official Bankwest website • ✓ Secure application • ✓ Takes 5-10 minutes
Is the Bankwest Zero Platinum really free? ▼
Yes — $0 annual fee with no conditions. No minimum spend required, no fee in subsequent years. The only costs are interest if you carry a balance and cash advance fees if you withdraw cash.
Can I use this card overseas without extra fees? ▼
Yes — the Bankwest Zero Platinum credit card charges 0% foreign transaction fees on all international purchases, both in-store and online. Mastercard’s exchange rate applies, but no additional bank fee is charged.
What credit score do I need for this card? ▼
Bankwest does not publish a minimum score, but as a Platinum card it typically requires a good credit history. If your score is limited, consider the full credit card guide for more accessible options.
This review is for informational purposes only and does not constitute financial advice. Credit card terms and conditions change — verify current details directly on the Bankwest website before applying.
