When we think of a credit card with no annual fee, our first reaction is to be suspicious. After all, how can a card not charge a fee and still provide benefits? It turns out that the Bankwest Zero Platinum Mastercard does exactly that. A simple card, with no annual fee, full of advantages for those who like to travel or simply want a good product for everyday use.
If you live in Australia and want a card that won’t hit you with hidden fees, but still offers travel insurance, purchase protection, and exemption from international transactions, this could be the card for you. Without further ado, let’s break down everything you need to know.
What are the requirements needed to apply?
Before you rush to fill out the online application, it’s a good idea to make sure you meet the minimum requirements that Bankwest requires. It’s not the hardest card to get, but you can’t just go around applying for it without any criteria.
Be at least eighteen years old
Be a permanent resident of Australia
Have a stable and verifiable source of income
Not be in default with other financial institutions
Have a good credit history, with no recent records of bankruptcy or serious arrears
Comply with Bankwest’s internal credit policies at the time of application
These criteria are basic but fundamental. There is no point in having a high income if your credit history shows poor financial behavior. Bankwest wants reliable customers.
What documents are required?
When you apply for the Bankwest Zero Platinum Mastercard, have everything ready so you don’t have to worry about getting it back after the bank asks for it. The standard documentation includes:
Valid photo ID such as an Australian passport or driver’s license
Current proof of address, such as a water bill, electricity bill or recent bank statement
Proof of income, such as recent pay stubs, bank statements, or a letter from your employer
Detailed information about debts and other financial commitments, such as financing and personal loans
If you are self-employed, tax documents and proof of commercial activity for the last twelve months
The bank may request additional documentation depending on the candidate’s profile. For those who are already Bankwest customers, the process is a little more simplified.
What are the biggest uses of this card?
The Bankwest Zero Platinum Mastercard isn’t just a pretty name. It’s designed to be practical for everyday use, as well as for special occasions like international travel. Let’s see where it really shines.
Everyday shopping
Using the card for everyday purchases is one of the great advantages, mainly because:
There is no annual fee to justify
It is accepted in millions of establishments worldwide
Can be used in supermarkets, pharmacies, gyms, restaurants and gas stations
Allows payment of basic service bills such as internet, electricity, telephone and streaming
Making all your daily purchases with your card, and paying the bill in full later, is a strategy for keeping your credit active and well-used.
International travel
If there’s one thing Bankwest Zero Platinum does really well, it’s catering to those who love or need to travel. Clear benefits for travelers include:
Free international travel insurance including medical expenses, delayed baggage and flight cancellation
Coverage for loss of documents or belongings abroad
Worldwide emergency assistance, 24 hours a day
Zero international transaction fees on purchases made outside Australia
Traveling with this card is like having an extra security plan, without having to pay for separate insurance for each trip.
Purchase protections
The card also protects the consumer in their purchases, guaranteeing:
Protection against theft, loss or damage of products purchased with the card
Extended warranty on purchased goods beyond the manufacturer’s warranty period
Price protection insurance, refunding the difference if you find the same product cheaper within a certain period of time after purchase
These insurances are especially useful for high-value purchases such as electronics, furniture and household goods.
Finance organization
In addition to the practical benefits, Bankwest Zero Platinum makes financial life easier because:
Allows full control of spending via the Bankwest Easy app
Sends real-time notifications of movements
Offers the option to temporarily block the card in case of loss
Allows automatic bill payment, avoiding delays and interest
Having this level of control in the palm of your hand is essential for anyone who wants to have organized finances without headaches.
Our advice for anyone applying for the Bankwest Zero Platinum Mastercard
Just because the card is good doesn’t mean everyone should go out and ask for it. Here’s some straightforward advice:
Only apply for the Bankwest Zero Platinum if you intend to use it frequently for everyday purchases or travel. Leaving the card unused will not provide any benefit.
Make sure you can pay the full amount of your bill each month. The card has no annual fee, but it is not forgiving if you fall into revolving credit.
Take advantage of all the insurance and protections offered, especially for travel. Don’t waste these advantages
Centralize as much spending as possible on the card, but maintain discipline to control the budget
Please review your information before submitting your application. Any errors may result in delayed review or rejection.
Use the Bankwest app to manage your card. The tool is good, easy to use and prevents forgetfulness
By following these tips, you can make the most of what the Bankwest Zero Platinum Mastercard has to offer without falling into any traps.
Weighing up the pros and cons – Is it worth it?
Before making any decision, it is worth putting the pros and cons clearly on the table.
Advantages
Zero annual fees forever
Free and automatic international travel insurance
Zero international transaction fees
Protection against theft, loss and damage of products
Extended warranty on eligible purchases
Complete application for financial control
Wide acceptance as it is Mastercard
Worldwide Emergency Travel Assistance
Disadvantages
Does not participate in points or rewards programs
Travel insurance is only activated if the ticket is paid with the card
High interest for those who do not pay the full bill
Requires proof of income and good credit history
Does not offer access to airport lounges
Limited benefits for those seeking extreme luxury
If you’re looking for a card to earn points, cashback or high-end premium benefits, there are better alternatives on the market. But if your goal is a free, practical and efficient card, few options beat the Bankwest Zero Platinum.
How is the credit analysis carried out on the Bankwest Zero Platinum Mastercard?
The credit analysis process is carried out with great care, as is expected from a traditional bank like Bankwest.
Automatically check your credit score with Australian credit agencies
Analysis of your financial history, checking punctuality of past payments
Verification of employment and income, with cross-referencing of declared and proven information
Assessment of existing financial commitments such as loans, financing and other cards
Verification of residence and address stability
Bankwest is known for providing quick responses to card applications, but is demanding in terms of documentation and consistency of information.
Is there a maximum and minimum value for the Bankwest Zero Platinum Mastercard?
Bankwest sets a very competitive starting limit range for Zero Platinum.
Minimum limit of AUD 6,000 upon initial approval
Variable maximum limit, which may exceed AUD 20,000 depending on the financial profile
Customers who maintain good financial behavior with the card can request an increase in their limit after a period of six months. The increase is subject to a new income and credit analysis.
Apply for the Bankwest Zero Platinum Mastercard once and for all on the official website!
Want to start enjoying everything the Bankwest Zero Platinum Mastercard has to offer? The application process is quick and easy.
Go to the official Bankwest website and select the Zero Platinum Mastercard option
Click “Apply Now” to start your online application
Fill out all fields of the form honestly and completely.
Prepare and submit identification, income and residence documents
Authorize credit analysis in accordance with bank policies
Please wait for a response, which is usually issued within a few business days.
If approved, the card is sent to your registered address and can be activated directly through the app.
And remember: even without an annual fee, the card requires responsibility. Use it wisely and enjoy the benefits without falling into the trap of unpayable debt.
