How to Apply for your Zero Platinum Mastercard
The Zero Platinum Mastercard offers 55 days interest-free, no annual or foreign fees, and exclusive perks. Ideal for travelers and online shoppers
Zero Platinum Mastercard Benefits
The Zero Platinum Mastercard offers a range of features designed to give you more control over your finances and spending habits. See below:
- Interest-Free Period: Enjoy up to 55 days interest-free on purchases with the Zero Platinum Mastercard. This feature allows you to make payments without incurring any interest, as long as you settle your balance in full by the due date. This flexibility helps you manage your credit responsibly and avoid extra charges, making it easier to budget your finances.
- Low Balance Transfer Rate: For a limited time, new customers can take advantage of 0% p.a. on balance transfers for the first six months. This promotional rate is designed to help you consolidate and manage existing debts without the burden of high interest. A 3% balance transfer fee applies, but this introductory rate provides significant savings over time. After six months, an ongoing balance transfer rate will apply.
- Mastercard Priceless Cities: With the Zero Platinum Mastercard, you gain access to the Mastercard Priceless Cities program, which offers exclusive experiences and discounts in various cities around the world. Enjoy curated events, unique dining experiences, and special offers that enhance your travel and leisure, providing you with memorable moments that go beyond ordinary experiences.
- No Annual Fee: One of the standout benefits of the Zero Platinum Mastercard is its $0 annual fee, allowing you to enjoy all the card’s premium features without any added costs. Additionally, there are no foreign transaction fees, making this card an excellent choice for those who travel internationally, enabling you to spend abroad without worrying about extra charges.
- Multi-Currency View: The multi-currency view feature allows you to see your balance in a foreign currency of your choice within the Bankwest app. This is particularly beneficial for frequent travelers, as it helps you manage your spending while overseas more effectively.
- Purchase Instalments: The card also offers the option to spread the cost of up to five eligible purchases over four monthly instalments at 0% p.a. This feature makes it easier to handle larger expenses without accruing interest, enhancing your budgeting flexibility. You can easily monitor and manage these instalments through the app.
- Instant Access and Security Features: Once approved, you can start using your digital card immediately while waiting for the physical version. Enjoy added security with the ability to lock your card instantly via online banking or the app, giving you peace of mind if your card is lost or stolen.
What You Should Have to Apply
- Age: Applicants must be at least 18 years old.
- Residency: you should be an Australian citizen or permanent resident.
- One Bankwest Zero Mastercard per customer only
- Credit Rating: A fair to good credit rating is recommended to increase the chances of approval.
These criteria ensure that the card is suited for individuals who can fully benefit from its features, offering a balance of affordability and practicality. Also, you may need to provide photo identification such as an Australian driver’s licence or passport, employment details, including length of employment and employer contact numbers, and info about your income, expenses, assets, loans, and other credit cards.
Who is This Card For?
The Zero Platinum Mastercard is tailored for frequent travelers, online shoppers, and individuals who want a premium credit card without the usual costs.
It is ideal for those looking to avoid foreign transaction fees, enjoy exclusive experiences and offers, and benefit from a card that offers both security and flexibility.
This card suits customers who value premium features like the absence of annual charges and low fees, offering a practical yet luxurious credit card experience.
Step-by-Step to Apply for the Zero Platinum Mastercard
- Visit the Bankwest Website: Navigate to the credit card section to explore the Zero Platinum Mastercard.
- Review Card Details: Read the card’s features, terms, and benefits to ensure it aligns with your financial goals.
- Start the Application: Press the “Apply Today” button, after that, you need to fill out the application form with the necessary personal and financial information, including your employment status and income details.
- Submit Required Documents: Be prepared to provide proof of address, identification, and any other necessary documents as part of the application process.
- Wait for Approval: Bankwest will review your application. Upon approval, the card will be sent to your address, allowing you to start enjoying its benefits immediately.
Zero Platinum Mastercard Pros and Cons
Pros
- No annual fee: Enjoy premium benefits without the cost of an annual fee, making the card accessible and affordable.
- No foreign transaction fees: Ideal for travelers and online shoppers who make international purchases, saving you money on every overseas transaction.
- Mastercard Priceless Cities: enjoy exclusive experiences and offers around the world.
- Interest-free period: take advantage of up to 55 interest-free days on purchases
- Introductory offer: 0% p.a. for 6 months on purchases and balance transfers
Cons
- No rewards program: The card lacks a rewards or cashback program, which may not appeal to those looking for direct rewards on their spending.
- Short introductory offer: you have only 6 months of no interest charges on purchases and balance transfers, after that the standard rate will be applied.
How to Unlock Your Zero Platinum Mastercard
- Log in to Bankwest Online Banking: Access the Bankwest website or mobile app and log in to your account.
- Navigate to Card Services: Select “Activate New Card” from the options.
- Enter Card Details: Provide your card number, expiration date, and other requested information.
- Set Your PIN: Choose a secure PIN for transactions and ATM access.
- Activate the Card: Confirm your details to activate the card for immediate use.
Once activated, your Zero Platinum Mastercard is ready for use both domestically and internationally, allowing you to take full advantage of its features and benefits.
Fees and Tariffs
- Annual Fee: $0, ensuring cost-effective use without the burden of yearly charges.
- Purchase Interest Rate: 18.99% p.a.
- Cash Advance Fee: 3% of the transaction amount or $4 (whichever is greater)
- Late Payment Fee: $25 per statement period
- Foreign Transaction Fees: None, making international spending cost-effective.
Customer Service
Phone: Call 13 17 19 for 24/7 support regarding your credit card. Bankwest’s dedicated customer service team is available to assist with inquiries, from account management to transaction disputes. Call +61 8 9449 2840 outside Australia.
- Website: Visit Bankwest Customer Support for more information, FAQs, and online assistance.
- Branch: you can get personal support from Bankwest in-person in the nearest branch.
- Post: Bankwest, PO Box E237, Perth WA 6841
- Mobile App: Use the Bankwest mobile app to manage your account, view transactions, and contact customer support directly.
