Learn about our information service

Bankwest Zero Platinum MasterCard – Details & Application

Posted September 15th, 2009 and last modified June 18th, 2013

Bankwest Zero Platinum MasterCard Find out more about the Bankwest Zero Platinum MasterCard Apply now for Bankwest Zero Platinum MasterCard Find out more about the Bankwest Zero Platinum MasterCard
What happens when I click Apply Now?
  • Clicking Apply will take you to your Online Application on the bank's website. You do not need to be an existing customer of this bank to apply.
  • Your application will typically take you no more than 10-15 minutes to complete
  • Once approved, you will receive your credit card in the mail within 1-2 weeks
Click here to start your application >>

Bankwest Australia

The Bankwest Zero Platinum MasterCard offers everything the Zero Gold offers with more.

The award winning Bankwest Zero Platinum credit card is a $0 annual fee credit card with great interest rates to boost.

Current Offer:- Receive a low interest rate of 0% p.a. for 9 months on balance transfers, combined with $0 annual fee.

Product Name Bankwest Zero Platinum MasterCard
Balance Transfer Rate 0% p.a. for 9 months
Interest Rate on Purchases 17.99% p.a.
Annual Fee $0 p.a.
Interest Free Period up to 55 days
Interest Rate on Cash Advances 21.99% p.a.
Minimum Credit Limit
This is the lowest credit card limit that you can request. It is possible to apply for a higher credit card limit but not a lower one than this figure.
$6,000
Minimum Monthly Repayment 2%
Credit Card Type MasterCard
Late Payment Fee $25
Complimentary Travel Insurance Yes
Available to Temporary Residents No
Joint Application No

You also get a 0% p.a. for 9 months on balance transfers from non-Bankwest credit card balances.

Enjoy prestige service the Bankwest’s 24/7 concierge service to help you arrange travel, bookings, shopping and medical services.

Features of the Bankwest Zero Platinum MasterCard include:

  • 0% p.a. for 9 months on balance transfers
  • $0 p.a. annual fee forever.
  • 55 days interest free on purchases
  • 17.99% p.a. on purchases
  • Receive built-in airline travel and accident insurance protection wherever you are in the world.
  • Automatic purchase protection
  • foreign transaction fees for online and overseas purchases
  • 12 month warranty extension when you purchase a good which comes with an Australian warranty with your Zero Platinum MasterCard and 24/7 concierge service to help you arrange travel, bookings, shopping and medical services.
  • Up to 3 additional cardholders – free!
  • 24/7 account access via Bankwest Online Banking
  • Be covered with the automatic purchase protection on any goods you buy.

Bankwest Zero Platinum Review

If you always wanted a platinum credit card because of its features and benefits then you should take a look at the Bankwest Zero Platinum. Streamlined charges, great deals and a smooth application process are only the beginning.

A Bankwest Zero Platinum is an option if you are tired of feeling overwhelmed by complicated fees and interest rates on your credit card statement. All too often people get into trouble with credit card debt because they do not realize that different interest rates apply to different types of transactions.

Many credit cards charge an annual fee that can be $50 or more per year just for owning the card. Thankfully at Bankwest these charges have been streamlined to make it easier on consumers record keeping and on their wallets.

Bankwest Zero Platinum Streamlined Services:

  • One step application process – To apply for a Bankwest Zero Platinum card all you have to do is to click through to their website and complete the online application. They determine which cards you qualify for and then let you choose the card that works best. The entire process is done quickly and efficiently online.
  • No annual fees – Not just for the first year, not just when you spend a specified amount annually, no annual fee ever. If you figure out how much you spend in annual fees, lets say the average is $49 per year on another card, over ten years that is a $490 savings.

In addition to all of the things listed above the Bankwest Zero Platinum card has an introductory offer that gives you a 0% p.a. for 9 months on balance transfers. The low rate and the long term of this deal gives you the chance to get out from under other expensive credit card debt. It is just one more way that you will save money and time with this credit card. Easy to apply for and big savings, this is the card that can really make a difference in your finances.


Minimum Age18 years of age
Available to Temporary ResidentsNo
Credit Rating RequirementGood
Min Credit Limit
This is the lowest credit card limit that you can request. It is possible to apply for a higher credit card limit but not a lower one than this figure.
$6,000
Annual Fee$0 p.a.
Minimum Repayment2%
Late Payment Fee$25
Over Limit Fee$30
Overseas Emergency Replacement$2.90
Overseas ATM Balance check$5
Overseas ATM Withdrawal$5
Gambling Transactions AllowedNo
Additional Cardholder Fee$0
Number of Additional Cardholders3
Pros
  • Awarded 'Credit Card Issuer of the Year' in Money Magazine's Awards for 2012.
  • Benefit from 3 free additional cardholders.
  • $ foreign exchange fees make this card an attractive offer for making purchases when travelling overseas, or when purchasing online from overseas websites.
Cons
  • No rewards program meaning you won't earn rewards points on your purchases.

Was this content helpful to you? No Yes

Ask a Question About This Card

Please note: Question moderation is enabled and may delay your question. There is no need to resubmit your question. Once approved, your question will be public and appear on this page.

Disclaimer: At Finder.com.au we provide factual information and general advice. Before you make any decision about a product read the Product Disclosure Statement and consider your own circumstances to decide whether it is appropriate for you.

267 Responses to Bankwest Zero Platinum MasterCard – Details & Application

  1. Default Gravatar
    Tim | June 20, 2013

    Hello

    What is the maximum credit limit transfer?

    • Staff
      Jacob | June 20, 2013

      Thanks for your question Tim. If you’re looking to transfer a balance, the maximum you can transfer is determined by your credit limit. Lenders will allow you to transfer up to a percentage of your credit limit. Please check this page for maximum balance transfer amounts. Jacob.

  2. Default Gravatar
    Eddie | June 15, 2013

    I’m holding 457 working visa. Can I apply for this card?

    Thanks.

    • Staff
      Jacob | June 16, 2013

      Hi Eddie. Thanks for your question. Please see this page for information about credit cards for temporary residents. Hope this helps. Jacob.

  3. Default Gravatar
    Paul | June 13, 2013

    What is the overseas transaction fee for the MasterCard Platinum More card?

    • Staff
      Jacob | June 13, 2013

      Hi Paul. Thanks for your question. The Bankwest Platinum range of cards do not change a cross currency conversion fee. Jacob.

  4. Default Gravatar
    Debbie | June 10, 2013

    Hi, I have researched and this card looks good as “just in case” credit card to take with me to Europe (I bank with Bankwest already). I am now currently looking at travel insurance, do you have any thoughts on the insurance that is supplied with this card? Also do you think MasterCard is fine rather than Visa?
    Thanks, love you site :)

    • Staff
      Jacob | June 11, 2013

      Hi Debbie. Thanks for your question. The insurance policy offered with this card is similar to a number of policies offered by different card providers. There are differences in the size of the initial spend required to activate the policy. For instance, some providers require that you spend more than $500 on tickets and pre-paid travel expenses, while other providers require that you put the full cost of the return ticket on the card. There are small differences between Visa and MasterCard, but these differences are small. Both card schemes are accepted in a similar number of places, merchant acceptance costs are comparable and both card schemes offer exclusive offers and rewards to their cardholders.

      I’ve sent a copy of the policy document to your email. Please let me know if there’s anything else you would like to know. Jacob.

  5. Default Gravatar
    renee | June 8, 2013

    Hi, I was just wondering what the interest rate on balance transfers reverts to after the 9 months?

    • Staff
      Jacob | June 9, 2013

      Hi Renee. Thanks for the question. Please see this page for information about balance transfer revert rates. Jacob.

  6. Default Gravatar
    Annabel | May 29, 2013

    Is the balance transfer only available on application or can I do a balance transfer after getting the card?

    • Staff
      Jacob | May 29, 2013

      Hi Annabel. Thanks for your question. You can elect to carry out a balance transfer after you’ve applied for the card, but the promotional balance transfer period will start when the card is activated. So say you have a six month balance transfer offer, and you wait three months after applying for the card to request a balance transfer, you will only get the promotional rate for the next three months. Jacob.

  7. Default Gravatar
    Kashif | May 28, 2013

    Hi. My annual income is $45,900. What credit limit can I apply for? Please advise.
    Kind Regards.
    Kashif.

    • Staff
      Jacob | May 28, 2013

      Hi Kashif. Thanks for your question. Please check the minimum income requirement on the review page for information about the minimum income requirement and minimum credit limits for this card. You may want to consider a low rate credit card as they have lower minimum income requirements. Jacob.

  8. Default Gravatar
    Patrick | May 27, 2013

    Is the minimum income of $65,000.00 required to apply for a BankWest Zero Platinum Credit card mean gross pay or taxable income?

    • Staff
      Jacob | May 27, 2013

      Hi Patrick. Your before tax income will be used to assess your card application. Thanks.

  9. Default Gravatar
    Mike | May 27, 2013

    1) When does the 0% interest free on balance transfers and no annual fees offer expire?
    2) How long does it take to get response on application?
    Mike

    • Staff
      Jacob | May 27, 2013

      Hi Mike. Thanks for your questions:
      1) This is a limited time offer and we don’t know when it’s going to finish. Please keep checking the website to find out when it’s going to end. There will be an end date listed in the picture when we know.
      2) Once you complete the application, you’ll get a response very quickly afterwards – usually within a minute. Your application will either be accepted, declined or conditionally approved. Here’s some information on how to check on your credit card application if you don’t get a response from the lender once you’ve completed the application.
      Let us know if there’s anything else you would like to know.
      Jacob.

  10. Default Gravatar
    Karl | May 26, 2013

    Hi can you please send me the terms and conditions regarding the complimentary travel insurance.

    • Staff
      Jacob | May 26, 2013

      HI Karl. No problems. Thanks.

  11. Default Gravatar
    janette | May 25, 2013

    Hi Jeremy,
    1, Could you tell what is the Maximum amount you can balance transfer to this card.
    2, Once you have paid the amount off can you transfer another amount for the same term
    3, Can you balance transfer from a couple of different banks at the same time.
    Cheers

    Janette

    • Staff
      Jacob | May 25, 2013

      Hi Janette.
      1) Check out this page for maximum balance transfer amounts.
      2) When you apply for a card, and it has a balance transfer promotion for 6 months for instance, the promotional balance transfer period starts rom when the card is activated. You can transfer a balance any time to your card, but using the above, if you transfer three months after you activate the card on a 6 month BT offer, you’ll only have three months left on the promotion. Please check the product table for the current rates and features.
      3) You can transfer from up to 10 non-Bankwest store, charge and credit cards. Up to 95% of your approved credit limit on your new card if you’re approved.
      Thanks for your question. Jacob.

  12. Default Gravatar
    Jessica | May 24, 2013

    When does the bank west credit card offer expire? – The 0% on balance transfers for 9 months and $0 annual card fee. I need to transfer my balance in August. Will the offer still be available? Thanks

    • Staff
      Jacob | May 24, 2013

      Hi Jessica. Thanks for your question. This is a limited time offer – please keep checking back to see when this offer will end. According to Bankwest however, they may transfer the balance of a credit card, requested by you, at any time: ‘You may at any time request us, and we may agree, to transfer any debit balance of a credit card, store card or charge card account held with another Australian financial institution by you or an Additional Cardholder to the card account’ – so you can apply for this card now and transfer a balance (up to 95% of your approved credit limit) later on. An important consideration though. If you apply for a credit card and the balance transfer offer is six months for instance, and you wait too months, you will only have four months at the balance transfer promotional rate. Let me know if this makes sense. Jacob.

  13. Default Gravatar
    Wendy | May 22, 2013

    I plan to use this card in Indonesia and pay for our accommodation over the counter when I get there. Taking into consideration that I will be using my own money pre-loaded on the card. It looks like to me there is no international charges using this card, and travel insurance is coveted is that right?

    • Staff
      Jacob | May 22, 2013

      Hi Wendy. Thanks for your question. If you’re using your own money pre-loaded on to this card, you will not incur the applicable rate of interest when you use your card, and you won’t incur cash advance fees if you take money from an ATM. This card does not charge a cross currency conversion fee. Please keep in mind that the exchange rate is set by the card scheme and the card provider. They apply a margin to the interbank rate (the exchange rate you hear on the news). This card does include complimentary international travel insurance as an included benefit, however, you will have to pay for the return ticket on your card to be covered. Let me know if you need more information. Jacob.

  14. Default Gravatar
    Ann | May 21, 2013

    If I was to apply and my husband was nominated as an additional cardholder would he be covered for travel insurance also.
    Also related to travel insurance
    * What needs to purchased throughout your trip on the card for you to be covered
    * What are the excesses on each item that is covered
    * What is the 24 hour assistance number
    * What is the policy number
    * Are both travellers covered on the card
    * Will they amend the trip for a family member, which members will they cover
    Thanking you

    • Staff
      Jacob | May 21, 2013

      Hi Ann. Thanks for your question. Both dependent children and your spouse are covered under this insurance policy provided that the return tickets have been purchased with the card and they are travelling with you for the entire length of the return journey. Excesses can be found in the policy document, which I’ve sent to your email, assistance numbers can also be found in this document, if you contact Zurich (policy underwriter) they can provide your policy number. I don’t believe these policies can be altered to cover a family member, you can include a pre-existing medical condition within the policy, however, if you wish to cover another family member, you may need to take out a separate policy. Please see your email for more information. Jacob.

  15. Default Gravatar
    Brett | May 19, 2013

    Do you get free travel insurance if you do not pay for your airfares with your Bankwest Zero MasterCard?

    • Staff
      Jacob | May 20, 2013

      Hi Brett. Thanks for your question. According to the Bankwest International Travel Insurance policy document, ‘International travel insurance is a benefit available to Bankwest cardholders who, by use of the cardholder’s eligible credit card account, purchased their return overseas
      travel tickets prior to leaving Australia. It is also available to the cardholder’s spouse and the cardholder’s dependent children (but not children born on the journey), who travel with the cardholder for the entire journey, provided their return overseas travel tickets were also obtained by use of
      the cardholder’s eligible credit card account. The cover is available for a period of 3 consecutive months (6 consecutive months for Platinum cardholders) and can not be extended.’ I’ve sent the policy document to you, so please check your email for further information about this insurance policy. Jacob.

  16. Default Gravatar
    Kerran | May 16, 2013

    what is the maximum amount of a balance transfer that can be applied for?

    • Staff
      Jacob | May 16, 2013

      Hi Kerran. Thanks for your question. Check this page for an answer. Jacob.

  17. Default Gravatar
    janette | May 16, 2013

    Could you tell me if on the Zero bank west credit card if they will balance transfer from a couple of different banks and consolidate these amounts into one of there 9mth zero interest cards, if so what is the maximum that they will transfer. Also if this amount in paid within the first nine months will they allow another transfer after the nine months to this card

    Regards

    Janette

    • Staff
      Jacob | May 16, 2013

      Hi Janette. Great question. Check this page for maximum balance transfer amounts. Bankwest will let you transfer from up to three credit cards. If you’ve paid off the account, you can transfer again to the card under the promotion if the offer is still available on your card. Jacob.

  18. Default Gravatar
    Kate | May 16, 2013

    Hi
    Can I transfer balance to a card from a loan account?

    • Staff
      Jacob | May 16, 2013

      Hi Kate. It depends what the loan account is. Citibank and Virgin will allow you to transfer from a line of credit or a personal loan to a credit card. Jacob.

  19. Default Gravatar
    Natalie | May 15, 2013

    Hi,
    Just wondering when this offer ends?

    • Staff
      Jacob | May 16, 2013

      Hi Natalie. Thanks for your question. There is currently no set end date for this offer; however, it can change in a matter of days. Please keep checking back if you’re interested in applying for this card in the future. We will post the offer end date in the card image on the review page when we know when this offer will end. Jacob.

  20. Default Gravatar
    Rose | May 15, 2013

    I have a citibank ready credit card and I wish to change. The card is my sons but its under my name. If I change I would like it to be under his name is this possible?

    • Staff
      Jacob | May 15, 2013

      Hi Rose. Thanks for your question. He will have to apply for the card in his own name. He will be assessed as an applicant by the lender. If you wish to change accounts, you can transfer the balance (if you owe money on the card) to another credit card, and then close the account, or you can pay the account out and close the card. Jacob.

  21. Default Gravatar
    Krunal | May 15, 2013

    If I apply today, how long it would take to balance transfer from my other credit card?

    • Staff
      Jacob | May 15, 2013

      Hi Krunai. Thanks for your question. If you apply for the card today, and you’re accepted today, allow up to two weeks before you get your card (although it can be more like 7 business days). After you get your card you have to activate it, which can be done over the phone. After that, allow up to one more week for the balance transfer to be processed (although this can be as little as two business days). Jacob.

  22. Default Gravatar
    Hazel | May 13, 2013

    I note that the income required is $65,00, is that a single or combined income.

    • Staff
      Jacob | May 13, 2013

      Hi Hazel. Thanks for your question. The minimum income requirement is for a single income as Bankwest do not allow joint primary income credit card holders. Please check this page for a list of institutions that do. Jacob.

  23. Default Gravatar
    Rachel | May 12, 2013

    I currently hold a Bankwest Zero Platinum MC. It has zero balance and a credit limit of $13,000. Can I request for a balance transfer using this special 0% for 9 months? If so, please advise what/who to call. Thank you.

    • Staff
      Jacob | May 12, 2013

      Hi Rachel. Thanks for your question. Please watch this video for basic information about balance transfers and this video on what to do afterwards. Balance transfers generally are applied for when you apply for a card and the promotional rate is available to customers who are bringing a balance from a credit card, charge card or store card not related to the institution you’re transferring to. Let me know if you have any further questions. Jacob.

  24. Default Gravatar
    ANDREW | May 10, 2013

    Can I transfer my wife’s credit card debt with Anz to a Bank West card held in my name and obtain the 0% finance for 9 months on this balance transfer?

    I will be new customer.

    Andrew

    • Staff
      Jacob | May 10, 2013

      Hi Andrew. Great question. Please check this page for list of providers who let you do this. Jacob.

  25. Default Gravatar
    Phil | May 10, 2013

    Hi,

    Once the balance transfer period ends and you still have money left from the balance transfer, does the interest rate revert to Purchases Interest Rate or Cash Advances Rate?

    • Staff
      Jacob | May 10, 2013

      Hi Phil. Thanks for your question. Please see this page for an answer to your question. Jacob.

  26. Default Gravatar
    mary | May 8, 2013

    I have a bankwest light mastercard now .I want a credit card without a yearly fee. I am interested in the Zero Platinum MasterCard. Can I change to this one?

    • Staff
      Jacob | May 8, 2013

      Hi Mary. Thanks for your question. You can do this by opening the new account and closing the old card once you’ve been approved. You may be able to contact Bankwest to see if they can offer you a deal for existing customers; however, I’m not aware of any such offers. Jacob.

  27. Default Gravatar
    Stephen | May 6, 2013

    Can I balance transfer from a Commonwealth Mastercard. I understand that Bankwest is wholly owned by Commonwealth Bank, so are they considered to be separate institutions for the purposes of 0% interest on balance transfer,?

    • Staff
      Jacob | May 6, 2013

      Hi Stephen. Thanks for your question. Yes, you’re right. For the purposes of the promotional balance transfer offer, these two institutions are considered to be separate and you can transfer a balance between them. This page may be of interest to you. Jacob.

  28. Default Gravatar
    Sharon | May 3, 2013

    I am thinking of transferring my credit card balance of approx $8100 to MasterCard Bank West Platinum card. I do not intend to put anything on this credit card I just want it so I can pay off the principal of my debt without having most of my payment go to interest. If I do not finish paying off the balance transferred by the 9 months am I able to transfer this out of the account without incurring any additional fees or can I transfer the balance onto another Bank west credit card?? I just want to get it paid off and stop paying the interest on it and then cut it up!!!!

    • Staff
      Jacob | May 3, 2013

      Hi Sharon. Thanks for your question. You’re free to transfer out of the account at the end of the balance transfer promotional period to another card with a balance transfer promotion, provided that it’s not another Bankwest credit card. There are no fees for doing this other than the annual fee on the new card you’re transferring to (if applicable). For some general information about balance transfers, check this video. To find out what to do after a balance transfer, check this video. Jacob.

    • Default Gravatar
      James | May 6, 2013

      Can I do a balance transfer from a Westpac Mastercard to this card? (This is also a Mastercard)
      thanks.

    • Staff
      Jacob | May 6, 2013

      Hi James. Thanks for your question. Yes, you can transfer a balance between these two cards. You can’t transfer a balance from a Bankwest card to a Bankwest Card, however, you can do this if the institutions are not related. You can transfer between two Visa cards offered by different institutions as with MasterCard. Check this video for information on how a balance transfer works, and this video for information on what you need to do once you have carried out a balance transfer. Let me know if you need more information about this topic. Jacob.

  29. Default Gravatar
    Sam | May 1, 2013

    Hi, I am new to Perth and am looking at transferring all of my banking to Bankwest.
    In regards to the minimum income being $65,000… My “salary” is $56,500, however 50% of my income is tax tree, so technically I’m earning more than $65,000… am I eligible?

    • Staff
      Jacob | May 1, 2013

      Hi Sam. Thanks for your question. If you want to apply for this card, you can list your income and assets etc. in the appropriate fields – you may be asked to verify this after the application by sending in income documents or payslips – you may have better luck speaking to a Bankwest rep directly and explaining your situation to them. Jacob.

  30. Default Gravatar
    Baz | April 30, 2013

    Hi,

    Does the 0% interest on balance transfers for 9 months begin from receiving the credit card or from transferring balance? Could I get the card, wait three months before transferring balance and still receive 9 months at 0%?

    Thanks!

    • Staff
      Jacob | April 30, 2013

      Hi Baz. Thanks for your question. Check this video – it deals with what you need to do when you carry out a balance transfer, including when the promotional period begins. Basically, the promotional period starts when you first activate the card. You can apply for a balance transfer at any time with a Bankwest Credit Card; however, you may not receive the promotional rate that is advertised on this site – you will need to check with a Bankwest representative to confirm the offer before doing this. Jacob.

  31. Default Gravatar
    Ricky | April 29, 2013

    Hi
    Two questions:
    1. I am on a 64k package excluding super and i also get an additional payment of 160$ every fortnight. Am I eligible to apply for this credit card?

    2. Say I got the credit card approved today 29/04/13, and I apply for a balance transfer on 29/05/13. Will it still have 9 months interest free starting from 29/05/13 or will it start from when my card is first issued (29/04/13)?

    Thanks in advance for replying
    Ricky

    • Staff
      Jacob | April 29, 2013

      Hi Ricky. Please refer to the application requirements at the bottom of the card’s review and application page for the minimum eligibility requirements. Your total annual income is used to assess your eligibility – this includes all forms legitimate income. The balance transfer period will begin with the card is activated. Jacob.

  32. Default Gravatar
    Chloe | April 29, 2013

    Hi,
    Is it possible to transfer balances from a personal loan to this card?

    • Staff
      Jacob | April 29, 2013

      Hi Chloe. Thanks for your question. Citibank allow you to do this.

  33. Default Gravatar
    rudi | April 27, 2013

    Interest rate on purchases of 17.99%. What does that mean?
    Regards
    Rudi

    • Staff
      Jacob | April 27, 2013

      Hi Rudi. Thanks for the question. This refers to the interest you will be charged when you make a purchase using this card. For information on credit card basics, please check this page. Jacob.

  34. Default Gravatar
    glenn | April 24, 2013

    Can i transfer balances from 3 separate credit cards?

    • Staff
      Jacob | April 24, 2013

      Hi Glen. I sent an answer through earlier. In case you missed it, here it is again, “Yes, you can transfer from up to three credit cards, provided that the total amount you wish to transfer is up to 95% of your approved credit limit on your Bankwest credit card. Please see this page for information about maximum balance transfer amounts. Jacob.”

  35. Default Gravatar
    Adam | April 24, 2013

    Hi Jacob,

    Few questions:
    1. it says limited time for the 0%9mth offer, do you know when is the end time for the offer?
    2. what is the maximum ratio of the credit limit for balance transfer?
    3. Is there a balance transfer handling fee? There used to be about 2% extra handling fee for Bankwest Balance transfer, not sure whether it is applied for this 0% promotional offer.
    3. One previous reply is : The promotional period begins when you activate the credit card. But the terms on Bankwest says: Introductory rate on purchases and balance transfers takes effect from the date the card is opened regardless of when any purchase transaction or balance transfer is processed by us. It appears the 9 mths starts from card issue date not activation date nor balance transfer transaction date, right?

    By the way, the 0%9mth 0annul fee seems not just platinum but also to classic and gold, which may have less income requirement, right?

    Thanks a lot for your time.

    • Staff
      Jacob | April 24, 2013

      Hi Adam. Here we go.
      1) There is no end date set, but these offers change from time to time, sometimes with little notice and sometimes we post the offer end date on the review and application page. As this is an exclusive offer between CreditCardFinder and Bankwest, we don’t know when it will end – it’s up to Bankwest. Update: this offer is now expired and no longer available
      2) 95% from up to three credit cards – for more information on this – see this page.
      3) this fee has been removed. Currently, no providers on our site charge a balance transfer processing fee.
      4) Correct, the terms and conditions does say, ‘Introductory rate on balance transfers is available to new credit card customers only. Introductory rate of 0% p.a. on balance transfers for 6 months applies from the date the card is opened regardless of when any balance transfer or purchase is processed by us’; however, opened = activated – same thing. They say this because there is a delay in processing a balance transfer. When you activate the card, the new bank sends a request to your old bank asking them to transfer the funds and a transaction between banks takes place. Typically, this takes a few days, but it can take longer. The terms and conditions say that the balance transfer promotional period begins from when the card is activated (opened) to let people know that their special rate has started and that it does not begin from when they balance transfer amount appears in your account.
      5) Yes, the $0 annual fee applies to all Bankwest Zero MasterCards – and the lower tier cards have lower annual income requirements. You can compare these cards here.
      P.S – this video may help you. It deals with what you have to do after you request a balance transfer.
      Adam. I hope this has helped. Please let me know if there’s anything else you would like to know.
      Jacob.

    • Default Gravatar
      Adam | April 24, 2013

      Hi Jacob,

      Thanks a lot for your detailed replies. Very helpful info.
      The link of the BT ratio is very handy too, thanks. Can’t help noticing the ANZ one: 95% of the approved credit limit or $30,000 whichever is lower. Just for your information, not long ago, ANZ help desk told me there is only 95% threshold depending on limit granted and there is no any amount ceiling. So are you sure there is a ceiling of 30K or it is just product specific? Thanks.

    • Staff
      Jacob | April 24, 2013

      Hi Adam. Thanks for pointing this out to me. You’re right – it’s 95% with no ceiling. I’d like to say thanks for this. Check your email for more information. Jacob.

  36. Default Gravatar
    Glen | April 23, 2013

    Hello, just wandering if you could please pass on your phone number to call you for an application. Thanks

    • Staff
      Jacob | April 23, 2013

      Hi Glen. Thanks for your question. We are not associated with various lenders so we can’t provide with the means to apply for a card over the phone. You can however, apply for a credit card through our site. Please contact the lender directly if you wish to apply over the phone. Jacob.

    • Default Gravatar
      glenn | April 24, 2013

      CAn you answer my question please. Is it possible to merge three accounts into this one credit card?

    • Staff
      Jacob | April 24, 2013

      Hi Glenn. Yes, you can transfer from up to three credit cards, provided that the total amount you wish to transfer is up to 95% of your approved credit limit on your Bankwest credit card. Please see this page for information about maximum balance transfer amounts. Jacob.

  37. Default Gravatar
    karen | April 22, 2013

    is there a fee for cash withdrawals overseas at atms.

    • Staff
      Jacob | April 23, 2013

      Hi Karen. Yes, you will be charged a fee when you do this. Please refer to the fees and charges table at the bottom of the review and application page for more information. Jacob.

  38. Default Gravatar
    Elizabeth | April 22, 2013

    I would like to avail myself of your balance transfer offer.
    However I do not wish to apply on-line.
    Can you offer an alternative application process?
    Thank you

    • Staff
      Jacob | April 22, 2013

      Hi Elizabeth. Thanks for your question. If you do not wish to apply online, you can apply at any Bankwest branch.

  39. Default Gravatar
    Samantha | April 22, 2013

    HI, I currently have a credit card with Commonwealth with an outstanding debit of $4000. Could I please transfer this debit to this new card? as I wish to cancel all dealing I have with commonwealth and also after a long search I prefer this card amongst all others.

    • Staff
      Jacob | April 22, 2013

      Hi Samantha. Thanks for your question. Once you’ve found the card you would like to apply for and transfer a balance to, please apply through the review and application page. If you would like to transfer a balance, you can elect to do this when you apply for the card. Simply enter the card number you would like to transfer from, and the amount you would like to transfer, and the request will be processed if you’re approved and activate the card. Jacob.

  40. Default Gravatar
    sue | April 22, 2013

    do you have to use the credit card? would like to transfer anz debt across and pay off the debt within the 9 months period without using the card

    • Staff
      Jacob | April 22, 2013

      Hi Sue, Thanks for the question. You’re under no obligation to use the card once you get it. If you want to get the card for the purposes of a balance transfer and not use it, you can do this. Here’s a video on the basics of balance transfer if you would like more information. Jacob.

  41. Default Gravatar
    Jane | April 19, 2013

    To obtain travel insurance for entire family, do I need to pay for all the flights on credit card ? or can I just say pay deposit ?

    • Staff
      Jacob | April 19, 2013

      Hi Jane. Thanks for your question. According to the Bankwest Credit Cards Platinum and Gold Credit Card Complimentary Insurance and Price Guarantee Cover document (I’ve sent it your email for further reference), ‘International travel insurance is a benefit available to Bankwest cardholders who, by use of the cardholder’s eligible credit card account, purchased their return overseas travel tickets prior to leaving Australia. It is also available to the cardholder’s spouse and the cardholder’s dependent children (but not children born on the journey), who travel with the cardholder for the entire journey, provided their return overseas travel tickets were also obtained by use of the cardholder’s eligible credit card account’. Let me know if you have further questions. Jacob.

  42. Default Gravatar
    Michelle | April 16, 2013

    I have already purchased my airline tickets – does the card still have travel insurance attached to the card if this is the case?
    thanks,

    • Staff
      Jacob | April 16, 2013

      Hi Michelle. Thanks for the question. The answer is no. According to the policy document, ‘International travel insurance is a benefit available to Bankwest cardholders who, by use of the cardholder’s eligible credit card account, purchased their return overseas travel tickets prior to leaving Australia.’ I’ve sent more information about the policy to your email. Jacob.

  43. Default Gravatar
    Marja | April 10, 2013

    My only income is my aged pension. Can I still apply for this card? I have a Comm.Bank Mastercard with a $4,000 limit. I don’t owe any money to the credit card. I am thinking of going oversees next year, hence my interest in your card. Thank you in advance for your answer.

    • Staff
      Marc | April 10, 2013

      Hello Marja,
      thanks for the question.

      Those receiving an aged pension are still eligible to apply for this card; however, whether or not you’d be approved would be up to a range of factors, such as whether or not this income is enough to service the card, your other debts and liabilities including other credit cards and loans, your savings history and also your credit history.

      I hope this helps,
      Marc.

  44. Default Gravatar
    Maria K | April 2, 2013

    Interest rate on cash advance (22.99%), What is this means?
    Income 65000 per month or year?

    • Staff
      Jacob | April 3, 2013

      Hi Maria. A cash advance is when you use your credit card to withdraw money from your available credit limit at an ATM. Here’s some information about cash advance interest rates. Thanks.

  45. Default Gravatar
    Richard | March 25, 2013

    I am an Australian citizen currently living in Manila, Philippines retired but with a reasonably high asset base, all based in Australia. I currently have an ANZ Visa card with a fairly high limit and always pay off the balance each month. Am I allowed to take advantage of the Bankwest Zero Platinum Mastercard, to take advantage of the zero foreign currency charges?

    • Staff
      Marc | March 26, 2013

      Hello Richard,
      thanks for the question.

      It may be useful to call Bankwest directly regarding this. They may be able to give you more information into what their specific requirements are and if you fulfil them.

      I hope this helps,
      Marc.

  46. Default Gravatar
    Noni | March 24, 2013

    I bought a return air ticket to Singapore with my Bankwest Platinum card. When in Singapore, I join a tour group to Japan. The Japan trip is not paid with my Bankwest Platinum card. Am I covered for travel insurance for the Japanese trip? After my Japan trip, I go back to Singapore and later back to Australia. Please let me know as soon as possible. I will appreciate an early response as I am leaving for Singapore soon. Thank you.

    • Staff
      Marc | March 25, 2013

      Hello Noni,
      thanks for the question!

      According to Zurich- the provider of this insurance policy, as long as at least 75% of the return airfares from Australia to Singapore are purchased using the card, then travel insurance will apply to the whole trip, provided it’s under the maximum journey time of 6 months. For more information it might be a good idea to contact Zurich.

      I hope this helps,
      Marc.

  47. Default Gravatar
    Nicole | March 23, 2013

    I just read the application requirements above for Bankwest Zero Platinum card. Therefore I do not understand why I was rejected. I am a professional (university degree) earn $65,000 plus overtime, australian resident, over 21 years of age, no debt, single, own my car and furnishings, good savings, never had a credit card before nor any other loans. Paid cash car/furniture. Never defaulted on anything. Lived 2 years in the same place and worked 5 years in the same job. So was shocked when my online application was rejected. It is a shame that Bankwest will not tell the customer why their applications are refused. I met every criteria you have listed above. Only thing would be my credit rating could be non existent as I have never taken out any credit. Why should I be penalised for this, if this is the case, not sure. But I do recall buying some furniture from Harvey Norman who told me my credit rating was good (they must have rung up). Now I am at a lost what to do really. It is Bankwest loss as I am a good saver, stable in my professional well paid work and living environment, have assets all paid for and have no debt, no independents. I consider myself to be a good credit risk for any loan or credit card. Very disappointed with the Bank. I will look elsewhere and avoid Bankwest in the future and forewarn others not to apply. If they get rejected it will go on their credit rating. Thank you Kind regards Nicole

    • Staff
      Jacob | March 23, 2013

      Hi Nicole. Thanks for your question. I wrote this article after Bankwest rejected my credit card application last year — I tried to answer your exact question; however, as you state, they (and other lenders) do not offer much information as to why people get declined. It may be that this is your first credit card, but that shouldn’t really be any reason to decline an application. Perhaps try a low rate credit card? They have lower entry requirements. After you have carried one of these cards for a time, you may like to apply for a Platinum Credit Card again. Sorry I couldn’t be of more help with this question. It’s difficult to answer.

  48. Default Gravatar
    Iffy | March 22, 2013

    I applied online for the credit card but got rejected. My annual income is around 80K, I have a good credit history, I am a permanent resident and have never defaulted on any commitments. I am clueless
    I really wanted it for the No Annual fee + the International travel privileges provided. At the moment I have a ANZ Platinum Card . The reason stated is “you currently do not qualify for this product”.

    • Staff
      Jacob | March 23, 2013

      Hi Iffy. Thanks for your question. I wrote this article after Bankwest rejected my credit card application last year — I tried to answer your exact question; however, as you state, they (and other lenders) do not offer much information as to why people get declined. I’m sorry I can’t be of more help, this is a difficult question to answer. Jacob.

  49. Default Gravatar
    Oliver | March 18, 2013

    I would like to receive information regarding the travel insurance that is included in this card. How is it activated and is it available to me if i would be travelling for a year?

  50. Default Gravatar
    Vicki | March 13, 2013

    Hi Jacob Is this card linked to any rewards program thanks Vicki

    • Staff
      Marc | March 13, 2013

      Hello Vicki,
      thanks for the question!

      This card is not linked to a rewards program. The only Bankwest cards which are linked to a rewards program is the Qantas Frequent Flyer Card and the More MasterCard.

      I hope this helps,
      Marc.

  51. Default Gravatar
    helen | March 12, 2013

    hi there,
    If overseas ATM machines charge an ATM owners fee on withdrawals, is this fee in addition to the bankwest overseas ATM withdrawal fee of $4.00 ?

  52. Default Gravatar
    Carol M | March 8, 2013

    when does the promotional period commence

    • Staff
      Jacob | March 8, 2013

      Hi Carol. Thanks for your question. The promotional period begins when you activate the credit card. Cheers.

  53. Default Gravatar
    Carol M | March 6, 2013

    does the interest free start from the 1st purchase or from the date of application. How long is this offer available

    • Staff
      Jacob | March 11, 2013

      Hi Carol. Thanks for your question. The promotional periods begin when a card is first activated. There is currently no end date for this offer. Cheers.

  54. Default Gravatar
    carol | March 6, 2013

    Is the interest rate of 17.99% pa only payable after the promotional period is up?

    thanks carol

    • Staff
      Marc | March 6, 2013

      Hello Carol,
      thanks for the question.

      This is correct. After the promotional period the rate will revert to the usual purchase rate you mentioned.

      I hope this helps,
      Marc.

  55. Default Gravatar
    Nugen | March 4, 2013

    What are the requirements to qualify for this card?

    • Staff
      Marc | March 4, 2013

      Hello B,
      thanks for the question.

      The requirements to qualify for this card is a minimum age of 18, a good credit rating and to be a permanent Australian resident.

      I hope this helps,
      Marc.

  56. Default Gravatar
    Jen | February 26, 2013

    Hey Jeremy,
    Just read your replies, and I think you need to go back to banking school…In your reply to Cassie of Feb 12 2012, you said you will get 55 days interest free on your purchase. We both know it is not the case and your answer just adds to people’s confusion on the matter. UP TO 55 DAYS is very different from 55 DAYS.

    • Staff
      Jeremy Cabral | February 26, 2013

      Hi Jen

      Thank you so much for alerting me to this. We’ve answered 1,000′s of comments for users on our site, so there is always bound to be an opportunity for us to improve on our replies.

      Your point is very valid, I’ve edited Cassies reply and sent her an e-mail to flag that the comment has been adjusted.

      Thanks for your feedback Jen – your help has not got unnoticed by our team, and the users of our site! I’ll be in touch shortly on e-mail :)

      Cheers!

  57. Default Gravatar
    pak | February 25, 2013

    17.99% purchase – is it for the first purchase or for every purchase?

    • Staff
      Marc | February 26, 2013

      Hi Pak,
      thanks for the question.

      The Bankwest Zero Platinum MasterCard gives successful applicants 17.99% from the date the card is opened.

      I hope this helps,
      Marc.

  58. Default Gravatar
    John | February 24, 2013

    Hi, It seems that Bankwest will not honour the 3.99% balance transfer for 9 months. I was pre-approved for this card however the T&Cs say nothing about the 3.99%. Has anyone had a similar experience?

    • Staff
      Marc | February 25, 2013

      Hi John,
      This is a great question.

      After speaking with Bankwest, they’ve said that while the key facts sheet doesn’t mention the 3.99% p.a balance transfer for 9 months offer, it will be in the paperwork received in the mail after a successful application.

      I hope this helps,
      Marc.

  59. Default Gravatar
    Christine | February 23, 2013

    Hi this offer sounds great but is it easy to cancel. thanks

  60. Default Gravatar
    Adele C | February 21, 2013

    Is it necessary to purchase our return air tickets with this Zero platinum card to be eligible for your ‘complimentary’ travel insurance.

    • Staff
      Jacob | February 27, 2013

      Hi Adele. Thanks for your question. As the terms and conditions state:

      “journey means after the purchase of your return overseas travel tickets by use of the cardholder’s eligible credit card account the journey starts:
      • on the departure date (from Australia) shown on the return overseas travel ticket; or
      • once you leave your home, if you travel directly from your home in Australia to the Australian air or sea terminal that is the departure point for your trip.

      The journey ends when the first of the following occurs:
      • at midnight on the date when your scheduled transport (as shown on your return overseas travel ticket) is due to arrive in Australia; or
      • when you return to your home in Australia, provided you travel directly there from the air or sea terminal where you landed in Australia; or
      • when you cancel your return overseas travel ticket.”

      So to be eligible for the travel insurance you must purchase a return ticket from Australia and complete the return journey.
      Hope this helps.

  61. Default Gravatar
    Chris | February 21, 2013

    How common are Bankwest ATM’s in Queensland? Where are the locations on the Sunshine Coast?

    • Staff
      Marc | February 22, 2013

      Hi Chris,

      this is a great question.

      There are two Bankwest ATMs each in Noosa Heads, Maroochydore and Mooloolaba to give you a rough idea of the ATM locations on the Sunshine Coast. You can also find many more using the Bankwest ATM locator. If you’re a Bankwest customer you’ll also get free access to over 3000 Commonwealth Bank ATMs.

      I hope this answers your question.
      Marc.

  62. Default Gravatar
    Tee | February 19, 2013

    in the ad above, it says “lowest interest rate debt they have will always get paid off first”, hasn’t that been changed in july 2012, where the balance incurring the higher interest rate gets paid first?

    • Staff
      Jacob | February 19, 2013

      HI Tee. Thanks for submitting a question to our site. The review was written prior to the July 2012 credit and banking reforms and has since been updated. Thanks for pointing this out, Jacob.

  63. Default Gravatar
    Lesley | February 18, 2013

    How many Frequent Flyers points do you get with each transaction? Is it with Qantas? Is there a cap on how many points you can earn each month please?

  64. Default Gravatar
    Shaun | February 17, 2013

    Hi,
    On this card can you repay the amount borrowed as soon as you like or are there limits on repayments?

    Thanks

    • Staff
      Jacob | February 18, 2013

      Hi Shaun. Thanks for your question. You can repay as much, and as often, as you like. Cheers.

  65. Default Gravatar
    Lisa M | February 15, 2013

    Can I load this card up with my own money so that it is in credit and spend my own money before I start to use credit?

    • Staff
      Jacob | February 15, 2013

      Hi Lisa. Thanks for your question. If you load the card up with your money, you won’t be charged interest when you make a purchase or perform a cash advance. Cash advance fees may still apply if you withdraw cash from the ATM.

  66. Default Gravatar
    Geraldine A | February 15, 2013

    When you say free travel insurance is that full cover eg: medical, loss of money or goods accommodation or only whats stated above.if used overseas is there any charges

    • Staff
      Jacob | February 15, 2013

      Hi Geraldine. The complimentary insurance is a comprehensive cover. You still may have to pay an excess when you claim. These fees are listed in the terms and conditions of the insurance policy. Thanks.

  67. Default Gravatar
    Richard | February 12, 2013

    Hi Jacob, I just called Bankwest, they told me they did not
    know about this offer. Could you explain this exclusive offer
    please? Is it a offer just from Credit Card Finder Website? How can
    we know Bankwest accept this offer? Cheers

    • Staff
      Jacob | February 12, 2013

      Hi Richard. This is an exclusive arrangement between Bankwest and CreditCardFinder.com.au. The deal you see on our website is the deal you will receive when you apply for this card. Thanks.
      Update: This offer is now expired and no longer available

  68. Default Gravatar
    Adele C | February 8, 2013

    I am going to Europe in April May and want to know if the no foreign bank charges applies to any purchases i make o/s. Also can i load this account with say $10,000 to be spent o/s and not have any fees apply?

    • Staff
      Jacob | February 11, 2013

      Hi Adele. This card has no cross currency conversion fee, which is a charge of 2-3% when the lender converts Australian dollars to a foreign currency to complete a purchase. You will be charged overseas ATM fees and cash advance fees if you use your card to withdraw cash at an overseas ATM. If you load your card up with cash, you can use it as your day to day source of funds – you won’t pay the cash advance rate of interest, but cash advance fees may still apply.

  69. Default Gravatar
    Angelo K | February 2, 2013

    Do we need to purchase our airline tickets on this card to be eligible for travel insurance?

    • Staff
      Jacob | February 3, 2013

      Hi Angelo. According to the Bankwest Gold and Platinum Travel Insurance Terms and Conditions: ‘at least 75% of the total value (i.e. including but not limited to money and/or Bankwest More Rewards points and/or staff discounts) of the return overseas travel ticket (but not taxes or airport or travel agent charges)’ must be charged to the credit card to be eligible for the insurance. Hope this helps.

  70. Default Gravatar
    Mei | February 1, 2013

    Is it possible to prepay Bank West Zero Platinum card and than withdraw cash in overseas ATM without being charge cash advance fee, conversion fee or standard ATM fee?

    • Staff
      Jacob | February 4, 2013

      Hi Mei. Thanks for your question. If you load money onto your card and then withdraw it from an ATM using your Bankwest Zero Platinum MasterCard, you will be charged a cash advance fee, but you won’t incur the cash advance interest rate on the funds you withdraw. Bankwest do not charge a cross currency conversion fee on their Platinum range of cards, but you will still incur a local ATM operator fee when you withdraw cash. Cheers.

  71. Default Gravatar
    Jennifer | January 22, 2013

    Am I eligible for a card. I am a self funded retiree on an allocated pension and part centrelink pension. My income is in excess of $15000 but I do not have to lodge a tax return.

    • Staff
      Marc | February 22, 2013

      Hi Jennifer,
      thanks for the question.

      In your case it’s probably best if you call Bankwest and speak with a credit card representative regarding your eligibility and income.

      I hope this helps,
      Marc.

  72. Default Gravatar
    Alan | January 15, 2013

    Hi

    What charges apply on international purchases?

    Regards

    • Staff
      Jacob | January 16, 2013

      Hi Alan. Thanks for your question. This card does not charge a foreign currency conversion fee. The industry average is a 3% charge of the total value of an overseas purchase made with your card. The exchange rates are set by MasterCard and Visa, and there may be a premium applied to the exchange rate. Overseas ATM charges still apply. Hope this helps.

  73. Default Gravatar
    James F | January 2, 2013

    Does the zero platinum Mastercard still offer zero international transaction fees? Do any of your cards offer this?

    • Staff
      Jacob | January 7, 2013

      Hi James. The Platinum range of Bankwest credit cards do not offer an international transaction fee when you make a purchase overseas. Cheers.

  74. Default Gravatar
    Hans P | December 19, 2012

    I have a commonwealth diamond credit card where can I find the Travel card insurance copy of conditions and rules.

    • Staff
      Jacob | December 19, 2012

      Hi Hans. You can find the insurance PDF on the Commonwealth Bank Diamond Awards webpage under the features tab. Cheers.

  75. Default Gravatar
    Rob b | December 14, 2012

    Hi, I recently applied for a platinum fee free card which was provisionally approved and sent proof of income by email to support the approval. I have not yet had any response, when is this likely to occur?
    Also, is there insurance cover included for domestic travel such as hire car excess in event of an accident as long as hire is purchased with the card?
    Thanks, rob b.

    • Staff
      Jacob | December 17, 2012

      Hi Rob. Thanks for your question. Please refer to our article, checking on your credit card application for information on this topic. The insurance polices cover international travel arrangements only. Cheers.

  76. Default Gravatar
    jamie | December 6, 2012

    How long does it take to receive the card from application to arrival in the post. I ask this because I am travelling overseas shortly.
    regards, jamie

    • Staff
      Jacob | December 7, 2012

      Hi Jamie. Please allow up to two weeks before you receive your card. Thanks for your question.

  77. Default Gravatar
    Nathan G | November 29, 2012

    How does the qualification for free travel insurance work.

    • Staff
      Jacob | November 29, 2012

      Hi Nathan. Thanks for your question. According to the Bankwest terms and conditions: ‘International travel insurance is a benefit available to Bankwest cardholders who, by use of the cardholder’s eligible credit card account, purchased their return overseas travel tickets prior to leaving Australia. It is also available to the cardholder’s spouse and the cardholder’s dependent children (but not children born on the journey), who travel with the cardholder for the entire journey, provided their return overseas travel tickets were also obtained by use of the cardholder’s eligible credit card account.’ Hope this helps.

  78. Default Gravatar
    DeeDee | November 11, 2012

    Does travel insurance cover – flight cancelations and medical cover to the USA? Do you have brochure on travel insurance?

    • Staff
      Jacob | November 12, 2012

      Hi DeeDee. Thanks for your question. The complimentary insurance offered by Bankwest does cover things like medical cover and flight cancellations as well as loss and damage to personal property, travel delay and resumption of journey to name a few. You’re covered for a period of three months after you leave Australia. Please refer to the Bankwest Complimentary Insurance Cover Terms and Conditions for further information. Thanks.

  79. Default Gravatar
    Joanne | November 5, 2012

    If I pay my repayments in full monthly is there any fees for the transfer. I am with HSBC & I’ve had so much trouble. Will I understand the call centre operator? Is there a points system?

    • Staff
      Jacob | November 6, 2012

      Hi Joanne. Thanks for your question. Currently, there is no fee for processing a balance transfer – the only cost you will incur for carrying out a balance transfer is the 3.99% for 6 months promotional interest rate. For information about balance transfers, please read our comparison page. The Bankwest Zero Platinum MasterCard currently does not offer a rewards program, for a comparison of cards that do, please refer to our rewards comparison page. Cheers.

  80. Default Gravatar
    Christine C | November 4, 2012

    So as soon as I get my card everything I purchase in the first 55 days will revert to up to 55 days interest free is that correct?

    • Staff
      Jacob | November 5, 2012

      Hi Christine. That is correct. Thanks for your question.

  81. Default Gravatar
    kim | October 31, 2012

    Hi,
    I am traveling to Europe in a few weeks. I am going for 3 months and was wanting to use a credit card for the whole time I was there. If I pay the minimum monthly repayment of 2% will I be charged anything else? I don’t quite understand the difference between the ’55 days interest free on purchases’. Do I have to pay back what Ive spent after 55 days or can I spend what I need to and start paying if off when I come back after 3 months of having the card?
    Thank you

    • Staff
      Jacob | October 31, 2012

      Hi Kim. Thanks for your question. You will get up to 55 days interest free on purchases made with your credit card if you have paid your balance in full for two consecutive months. So, keep your account paid in full (which is more than the 2% minimum repayment) and you will get 55 days interest free on purchases. Cheers

  82. Default Gravatar
    Judy | October 27, 2012

    Hi,
    I notice that travel insurance with the Platinum Card is for 6 consecutive months providing 75% of the return journey is paid by this card. Does the 6 months start from the time of purchasing the fare or from the date of departure overseas?
    Judy

    • Staff
      Jacob | October 29, 2012

      Hi Judy. The cover starts from when you leave your home on your way to go to the airport on the date of departure as shown on your return ticket. Thanks.

  83. Default Gravatar
    arpit | October 16, 2012

    Does this card earn rewards for every dollar you spent ?

    • Staff
      Jacob | October 17, 2012

      Hi Arpit. Thanks for your question. You can no earn rewards points with this card. For a list of rewards and credit cards, check our rewards credit card comparison page. Thanks.

  84. Default Gravatar
    Penny | October 14, 2012

    I want to know more about the free travel insurance – is there a site that I can look up so that I can see what is covered – many thanks Penny

  85. Default Gravatar
    Shannon | October 10, 2012

    I am wondering if this credit card would be approved to someone on the single parenting payment as their only form of income? My credit history is not a problem.

    • Staff
      Jacob | October 10, 2012

      Hi Shannon. It all depends on whether you’re able to meet the minimum income requirement for this card. Thanks for your question.

  86. Default Gravatar
    Garrett J | October 9, 2012

    what is the surcharge on overseas exchange rates? i am travelling to Fiji next month and need a card that doesn’t charge to exchange.

    • Staff
      Jacob | October 9, 2012

      Hi Garrett. Thanks for your question. Card providers will usually charge a fee of 2 – 3% of the total value of a credit card transaction when making a purchase overseas. The Bankwest Platinum range of credit cards waive this fee. For more information on travel money options, check out our travel money comparison page. Cheers.

  87. Default Gravatar
    Izzy | September 29, 2012

    What are th conditions of the travel insurance? How do you activate it and how much of the trip do you have to pay for on the card?

    • Staff
      Jacob | October 2, 2012

      Hi Izzy. The following is taken from the Bankwest Gold and Platinum Card Insurance Policy Terms and Conditions: ‘International travel insurance is a benefit available to Bankwest cardholders who, by use of the cardholder’s eligible credit card account, purchased their return overseas travel tickets prior to leaving Australia. It is also available to the cardholder’s spouse and the cardholder’s dependent children (but not children born on the journey), who travel with the cardholder for the entire journey, provided their return overseas travel tickets were also obtained by use of the cardholder’s eligible credit card account. The cover is available for a period of 3 consecutive months (6 consecutive months for Platinum cardholders) and can not be extended. However, if your return to Australia is delayed because of events covered under this policy, or your scheduled transport back to Australia is delayed for reasons beyond your control, the period of insurance will automatically be extended for a period of up to 4 weeks or until you return to your home in Australia, whichever occurs first.’

      The travel insurance cover is automatic after you pay for, ‘at least 75% of the total value (i.e. including but not limited to money and/or Bankwest More Rewards points and/or staff discounts) of the return overseas travel ticket (but not taxes or airport or travel agent charges) is paid for by one or a combination of the following payment methods:
      • charged to the cardholder’s eligible credit card account;
      and/or
      • paid for by the redemption of the cardholder’s Bankwest More Rewards points, this excludes points redeemed for Frequent Flyer Programs; and/or
      • paid for by redeemable travel agency flight vouchers that were obtained from the conversion of Bankwest More Rewards points.’
      Thanks for your question.

  88. Default Gravatar
    Vats | September 29, 2012

    Thanks Jacob. that helps. I think I’m gonna give this one a miss. If only those banks told you why your application was rejected. don’t need credit after all. Not worth damaging the credit file.
    Thank you for your help.

  89. Default Gravatar
    Steve | September 27, 2012

    When does the interest offer start? Is it from the day you sign up or make your first purchase date?

    • Staff
      Jacob | September 28, 2012

      Hi Steve. Thanks for your question. The interest on purchase starts from when the card is ordered. Cheers.

  90. Default Gravatar
    Anne | September 27, 2012

    This is the worst credit card we’ve ever have. Its fine if you intend to balance transfer and then not use the card at all. We balance transferred $15000 to this card and pays off any additional purchases each month. But we get charged interest on the balance transfer and purchases as any payments we make gets applied to the lowest interest first. This has never been done on any other balance transfer credit card we’ve ever had and it is totally misleading as this is not even pointed out to us. We have had numerous arguments with bankwest about this. We have cancelled the card but can’t get any of the ridiculous fees back and will be taking further steps to make sure that this does not happen to anyone else. My question is why isn’t this made clear on the features above? My advice to anyone thinking about this card is to not get it at all.

    • Staff
      Jacob | September 27, 2012

      Hi Anne. Thanks for taking the time to write to us about this. The Gillard Government recently passed a series of banking and credit card reforms that amended the way repayments are allocated to your credit card. Prior to the July 1 reforms, repayments were applied to the low interest balances like balance transfer first, while higher interest charges like cash advances and purchases were left to accrue interest for longer. This order was reversed under the credit and banking reforms, and now the charges that attract high interest charges are paid off first and balance transfers and interest free promotions are left till last. For people who have a variety of charges on their card, this will end up saving them money and cutting back the time it takes them to pay the card off. This applies to all credit card contracts approved after the 1st of July 2012. Information about how Bankwest apply payments on your credit card can be found on page 18 of their Credit Card Conditions of Use pdf. and further information on the banking reforms can be found in our guide on the topic. Thanks for your question.

  91. Default Gravatar
    Vats | September 21, 2012

    Hi. I am a bit confused. I need to know if I can get this credit card. I earn $1,464/fortnight after tax. I have no defaults on d&b and Veda. I have a car loan worth $17,000 out of which I have paid off nearly $9500.min pmt is $380/month. My other expenses are worth about $900/month. But I have been rejected by citibank for a credit card. Should I apply for this one and risk another enquiry on my credit file?

  92. Default Gravatar
    Carley | September 20, 2012

    Hi,
    Does “purchases” include money orders from the post office?

    Thanks,
    Carley

    • Staff
      Marc | February 27, 2013

      Hello Carley,
      thanks for the question!

      A money order wouldn’t be classified as a purchase in this regard, and so would be calculated using the cash advance rate.

      I hope this answers your question.
      Marc.

  93. Default Gravatar
    Mohini | September 19, 2012

    when Using your Bankwest zero platinum mastercard overseas (New Zealand) what fees will I be charged on all my purchases

    • Staff
      Jacob | September 24, 2012

      Hi Mohini. Thanks for your question. For further information on credit cards and there fees overseas check out our article on the topic. The Bankwest Platinum range of credit cards have no foreign transaction fees, this fee applies to each transaction occurring outside Australia. You will also be charged when you make an ATM withdrawal. Hope this has helped.

  94. Default Gravatar
    Peter | September 14, 2012

    With the “no foreign exchange fees” is this for a limited time to attract customers or is this an ongoing item of this card

    • Staff
      Jacob | September 17, 2012

      Hi Peter. Thanks for your question. The no foreign currency conversion fee has always been a feature of the Bankwest Platinum range of credit cards. To the best of our knowledge, this is not a limited offer. Cheers.

  95. Default Gravatar
    Antra | September 12, 2012

    if i travel overseas and purchase using the Bank West Zero Platinum Master card, will I be charged any overseas transaction fees?

    • Staff
      Jacob | September 14, 2012

      Hi Antra. Thanks for your question. The Bankwest range of platinum cards does not charge a foreign currency conversion fee for international purchases. This is a fee of 2-3% charged when Australian dollars are converted into the local currency to make a purchase. For a list of cards and their foreign currency conversion fees, please refer to our guide on the topic. Cheers.

  96. Default Gravatar
    Sally | September 7, 2012

    Hi I’m confused now. Interest free for 55 days on purchases yet I also read interest charged from Purchase date. Which one

    • Staff
      Jacob | September 7, 2012

      Hi Sally. Thanks for your question. The up to 55 days interest free on purchases applies if you have paid your balance in full for more than two consecutive months. If you have done this when you make a purchase on your card you will receive up to 55 days interest free. If you have not paid your balance in full, then you will not receive any interest free days, and interest will be charged from the purchase date. Cheers, hope this helps.

  97. Default Gravatar
    Brendon G | September 5, 2012

    Hi

    Do you charge a ‘foreign currency transaction fee’ on all FX purchases? Westpac do, something like 3%. This is over and above the FX gains that somebody is making.

    Also I like travelling ad hoc, is the purchase of a return ticket compulsory to be eligible for the insurance?

    Cheers
    Brendon

    • Staff
      Jacob | September 5, 2012

      Hi Brendon. Thanks for your question.
      The Bankwest Platinum cards do not charge a foreign currency conversion fee, which is about 3% of the transaction value, when you make a purchase with your card overseas.
      According to the Bankwest Gold and Platinum Travel Insurance Terms and Conditions: ‘at least 75% of the total value (i.e. including but not limited to money and/or Bankwest More Rewards points and/or staff discounts) of the return overseas travel ticket (but not taxes or airport or travel agent charges)’ must be charged to the credit card. Hope this helps.

  98. Default Gravatar
    Kara | September 4, 2012

    how long is this offer on for (0 fee and 0% interest on purchases for 6 months)?

    Can i apply for this credit card in November 2012?

    • Staff
      Jacob | September 5, 2012

      Hi Kara. Thanks for your question. This has been a consistent offer for some time now; however, there’s no telling whether the offer will be the same in months to come. Best to keep checking the site for latest updates on this product. Cheers.

  99. Default Gravatar
    Joanne C | August 25, 2012

    hi,
    Im looking for a credit card that i can travel through the usa with. just wondering if this card will charge me any fees for using it while in the USA or booking accommodation etc. from australia before i go?
    Cheers,
    Jo

    • Staff
      Jacob | August 27, 2012

      Hi Joanne. Thanks for your question. You will not be charged a cross currency conversion fee of approx. 3% of the total value of the transaction with any of the Bankwest Platinum Credit Cards. There may be other fees in the form of credit card surcharges, which can add up, but that will depend on the places where you use your card. Cheers.

  100. Default Gravatar
    Nikul | August 22, 2012

    How much they charge, if i go oversees and use this card for purchases in another currency. like shopping etc

    • Staff
      Jacob | August 23, 2012

      Hi Nikul. Thanks for your question. The Bankwest Platinum Cards do not charge a foreign currency conversion fee. This is a fee of 2% or 3% every time you use your card to make a purchase in a foreign country. You will still be charged interest at the cash advance or purchase rate of interest depending on the transaction and ATM fees may apply. Cheers.

  101. Default Gravatar
    Martin C | August 9, 2012

    I travel OS a great deal and I am advised that this card has no FX fees, is the exchange rate set as per Master wholesale rate

    • Staff
      Jacob | August 12, 2012

      Hi Martin, thanks for your question. The exchange rate used by your lender is set by card issuers Visa, MasterCard and American Express. MasterCard state on their website that, ‘The displayed rates are derived from the buy and sell rates included in the MasterCard daily rate setting process and do not include any charges or markups applied by the Issuer.’ Hope this helps.

  102. Default Gravatar
    Colin | August 6, 2012

    what fees are their for buying goods when on holidays overseas

    • Staff
      Jacob | August 6, 2012

      Hi Colin. Thanks for the question. The types of fees you’re likely to incur overseas are things like cross currency conversion fees, and local and international ATM fees. Please visit our travel money comparison page for further information. Cheers.

  103. Default Gravatar
    Lauren | August 5, 2012

    Is there an interest free period on purchases? It says up to 55 days interest free, but then it also states interest charged from purchase date. So which of these is correct?

    • Staff
      Jacob | October 10, 2012

      HI Lauren. The up to 55 days interest free applies when you have paid your statement in full for the past two consecutive months. Interest free days do not apply if you have a balance transfer promotion on your card. Thanks for your question.

  104. Default Gravatar
    caitlin | July 21, 2012

    I understand there is no fee on foreign currency exchanges. But is there a fee for international transactions.

    • Staff
      Jacob | March 20, 2013

      Hi Caitlin. Thanks for your question. There is no international fee if you’re making a purchase. If you decide to withdraw cash from an ATM, you will be charged: cash advance fee, cash advance interest rate, international ATM fee and local ATM fee. Thanks.

  105. Default Gravatar
    Chris | July 13, 2012

    I would like to use the Bankwest Zero Platinum MasterCard to make a cash advance withdrawal from an ATM while overseas. If I place funds on the card before I leave, so that it is in credit, will I still be charged the 2% or $4 cash advance fee? Eg if I place $1000 on the card to put it into credit and then I make an overseas ATM withdrawal of $1000 what will I pay? $20 (4%), or $4 or nothing?

    • Staff
      Jacob | March 20, 2013

      Hi Chris. Thanks for your question. If you load funds onto the card and make a withdrawal from an ATM, you will incur a $5 international ATM fee and a local ATM fee. You will not be charged the cash advance rate of interest or the cash advance fee.

  106. Default Gravatar
    Melissa | July 2, 2012

    Hello! Does this card have no overseas transaction fees? I am going to Europe & the UK soon and am looking for a suitable credit card for purchases while I’m away.

    • Staff
      Jacob | July 5, 2012

      Hi Melissa. For further information on credit cards and there fees overseas check out our article on the topic The Bankwest Platinum range of credit cards have no foreign transaction fees, this fee applies to each transaction occurring outside Australia (whether in a foreign currency or Australian dollars). For more information on what types of money to use overseas, refer to our guide on travel money. Hope this has helped.

  107. Default Gravatar
    Damien | June 8, 2012

    What is the interest free period on purchases? It says “55 days interest free on purchases” and then
    “17.99% p.a.on purchases”

    I see in a previous question about this but that is for 1% for 6 months. How long is the offer running for?
    Thanks

    • Staff
      Jacob | July 26, 2012

      Hi Damien. The offers begins when you activate the card. Once that period has expired, cardholders will receive up to 55 days interest free on purchases provided there isn’t an outstanding balance carried over from month to month. Thanks for your question.

  108. Default Gravatar
    Sheila | June 6, 2012

    If I use this card oversea ie:in USA will I be charged a fee for the overseas transaction/conversion….I am thinking about changing my mastercard account to another provider and wondering if you will charge a fee for using the card in USA dollars..

    • Staff
      Marc | March 27, 2013

      Hello Sheila,
      thanks for the comment.

      The Bankwest Zero Platinum waives overseas transaction fees, so these wouldn’t be payable. Using the card to withdraw cash from an ATM while overseas however would still attract fees.

      Cheers,
      Marc.

  109. Default Gravatar
    Patrick | May 30, 2012

    Hi there,

    is it really 3.99% for 9 months? it’s not on Bankwest website.

    Thank you

    • Staff
      Jacob | October 10, 2012

      Hi Patrick. The offer is correct. Thanks.

  110. Default Gravatar
    Tony | May 30, 2012

    The Platinum card has no international transaction fees. Does Bankwest gaurantee that this will be the case for the life of the card? (as it does for annual fee). At what exchange rate are international purchases processed?

    • Staff
      Jacob | March 25, 2013

      Hi Tony. I can’t comment on whether or not Bankwest guarantees no foreign currency conversion fee for the life of the card; however, I will say that it is one of the card’s strongest selling points. The exchange rate is set by Visa and MasterCard. Thanks.

  111. Default Gravatar
    Kristy | May 22, 2012

    Hi, I am having difficulty finding what the Foreign Transaction Fee is. The policy documents refer me to a ‘Schedule’ which I cannot find? Is the Complimentary Travel Insurance the same for the Gold and Platinum card? Last question.. Can you please direct me to the Travel Insurance policy wording.
    Thanks

    • Staff
      Jacob | March 27, 2013

      Hi Kristy. Thanks for your question. The Bankwest Platinum range of credit cards do not charge a foreign transaction fee. The international insurance policy is the same for the Gold and Platinum Credit Cards. I will send the terms and conditions for the Bankwest complimentary international travel insurance policy in an email. Thanks.

  112. Default Gravatar
    Jan | May 17, 2012

    Hi,
    I understand that there is no currency conversion fees for international transactions. Is there any international transactions fee when making purchase overseas for this card?
    I also notice there is a similar card called 28 degrees. Would you be able to advise which one is better/cheaper in terms of overseas transactions please?
    Thank you.
    Cheers,
    Jan

    • Staff
      Jacob | April 3, 2013

      Hi Jan. When making a purchase overseas with the Bankwest Platinum Credit Cards, there is no fee for the international transaction. The 28 Degrees MasterCard offers the same benefit to international shoppers in addition to no international ATM fee. Please refer to our travel money comparison tables for further information about travel friendly credit cards. Thanks and apologies for the delay. Jacob.

  113. Default Gravatar
    Sybil | May 17, 2012

    I want to use this for travel. Do you charge an exchange rate on overseas transactions or can I load Euro currency on this before I go? I am leaving in 13 days. will you process this in time?

    • Staff
      Jacob | April 4, 2013

      Hi Sybil. Thanks for your question. Due to the time it’s taken to reply, I’m not sure if this is still relevant; however, only Australian dollars can be loaded onto this card. Jacob.

  114. Default Gravatar
    Ava | May 17, 2012

    Hi ‘
    Can I get this card WITHOUT built in pay pass or pay wave feature ??
    Thank you Ava

    • Staff
      Jeremy | June 18, 2012

      Hi Ava,

      Thanks for your question. No, unfortunately all Bankwest cards now have the paywave feature built in and can’t be removed. Cheers.

      Jeremy

  115. Default Gravatar
    Bridget N | May 12, 2012

    just want verification about travel insurance with your card – I’m 61- are their age limits, what is the actual travel cover and I assume one buys flights with the card to qualify?

    • Staff
      Jacob | April 3, 2013

      Hi Bridget. Sorry for the delayed response. There are age limits to the travel insurance; however, restrictions don’t kick in till 70 or 80. I’m going to send the travel insurance policy to your email for you to have a look over. Jacob.

  116. Default Gravatar
    Rachael L | May 8, 2012

    Hi, For the Platinum card, it says foreign transaction fee is waived. Is it only for overseas purchased or including the cash out from the credit card when overseas?What other fees are associated with international transactions? Can you please confirm fees/charges if buying a goods overseas? Also, am i able to put cash into the credit card so I can withdraw from an overseas ATM? If yes, what are the fees? Is it still treated as cash advance?Please clarify all fees/charges involved for a purchase and if I take out my own cash of $100 that I put into the Platinum card if I get one.

    Thanks.

    • Staff
      Jacob | April 3, 2013

      Hi Rachel. Awesome question and sorry about the delay in getting this answer back to you.
      So, the Bankwest Platinum range of credit cards waives the foreign currency conversion fee – this applies for over-the-counter transactions and when getting cash out of the ATM. To break it down:
      - Using the banks money (your available credit): cash advance fee, cash advance interest rate, international ATM fee and local ATM operator fee.
      - Using your own money to withdraw cash from an ATM (credit card is in a positive balance): international ATM fee and local ATM operator fee.
      - Making a purchase: purchase rate of interest (putting aside interest free days).
      Jacob.

  117. Default Gravatar
    Vee | May 7, 2012

    I’m interested in the feature that suggests I can use this credit card overseas without being charged a currency conversion rate. Can you please give me more details regarding this feature?

    • Staff
      Jacob | August 15, 2012

      Hi Vee. For a comparison of travel money cards, check our comparison page. The foreign currency conversion fee is a fee charged by your lender when you use your card, which is linked to your Australian bank account with Australia dollars, to make a purchase in a foreign country in a foreign currency. This is a fee of 3% of the total transaction.

  118. Default Gravatar
    Kyt | May 2, 2012

    what is a min. credit limit? There is also a discrepancy between the $8000 listed and the $1000 in your answer.

    • Staff
      Jeremy | May 18, 2012

      Hi,

      The minimum credit limit is the smallest amount of credit issued on this card. The minimum credit limit for this card is $8,000. Thanks for your question.

      Cheers
      Jeremy

  119. Default Gravatar
    Cesar R | April 24, 2012

    Does the complementary travel insurance only apply to return airline tickets? what about overseas cruises?

    • Staff
      Jeremy | May 18, 2012

      Hi,

      Thanks for the question. The complimentary international travel insurance applies to journeys made by air and sea. Provided that the return trip is purchased on the card.

      Cheers
      Jeremy

  120. Default Gravatar
    Anita | April 23, 2012

    Hi
    We are heading overseas for 2 weeks in September and I notice your card has no Foreign Transaction/Currency fee… is this right? So if we use the card for everything in the US, we will just receive on our statement what we actually purchased? When you are converting them, are you staying inline with what the $ is on the day? Also, what is the maximum limit of this card?
    Thanks

    • Staff
      Jacob | April 8, 2013

      Hi Anita. Thanks for your question and sorry for the delay in this response. Not sure if this answer is still relevant; however, for the reference of anyone else who may be interested.
      So, the Bankwest Platinum range of credit cards waives the foreign currency conversion fee – this applies for over-the-counter transactions and when getting cash out of the ATM. To break it down:
      - When you make a purchase: purchase rate of interest (putting aside interest free days).
      - When you use the banks money (your available credit): cash advance fee, cash advance interest rate, international ATM fee and local ATM operator fee.
      - When you use your own money to withdraw cash from an ATM (credit card is in a positive balance): international ATM fee and local ATM operator fee.
      The exchange rates are set by the card scheme (Visa / MasterCard or American Express) and are similar to the figure you hear quoted on the evening news – the card scheme applies a small margin to this figure.

      The maximum limit for this card (I assume you mean maximum credit limit) is variable – it’s set based on the financial information you provide during the application. Jacob.

      Jacob.

  121. Default Gravatar
    Michael | April 18, 2012

    I am classed as a permanent resident for Australian Tax Purposes and have a employer sponsorship visa. Would I be eligible for your card. I have an account with NAB and would take their gold card but they have an annual fee of 90 dollars.

    • Staff
      Jeremy | May 3, 2012

      Hi Michael,

      When it comes to applying for a credit card with special residency situations, it is always best to speak to a branch directly. Cheers.

      Jeremy

  122. Default Gravatar
    Betty | April 11, 2012

    Hi there,

    What is the minimum income required to apply for this card?

    • Staff
      Jeremy | April 27, 2012

      Hi,

      Thanks for your question. Kindly visit Bankwest website to see eligibility criteria. Cheers.

      Jeremy

    • Default Gravatar
      errol | April 15, 2013

      I am on $30.000 per annum can I apply for a card?

    • Staff
      Jacob | April 15, 2013

      Errol. Thanks for your question. Please check the minimum income requirement for this card listed at the bottom of the review and application page. Jacob.

  123. Default Gravatar
    Pal | January 27, 2012

    Can the outstanding balance on this credit card be paid through online banking from other banks apart from Bankwest? Is there a fee for paying this way?

    • Staff
      Jeremy | February 7, 2012

      Hi Pal,

      There are a number of ways to pay the outstanding balance on a credit card from a 3rd party online source. The easiest way is to set up the credit card in question with your BPAY account or add the credit card into the list of payees in your internet banking account. All you have to do is deposit funds on to the card and the outstanding balance owed will be reduced by the amount you have payed. Please note that it may take a number of business days for a transaction to be processed between lenders. Thanks for your question. Cheers.

      Jeremy

  124. Default Gravatar
    Laura G | January 24, 2012

    Just wondering about the travel insurance? What are the terms?

    • Staff
      Jeremy | February 10, 2012

      Hi Laura,

      For a detailed list of the terms and conditions please refer to the Bank West Zero Platinum Mastercard PDS http://www.bankwest.com.au/library/pdf/PDS_20060801-154923.pdf – To summarise some of the more common points that people enquire about: children are covered if they are unmarried, under 18 and live at home or are 18 to 21 and are studying and still live at home or live at home when not studying. There are exclusions to the policy and you are also required to pay an excess for some claims, please see the PDS for further information. Thanks for your question, hope this helps.

      Cheers
      Jeremy

  125. Default Gravatar
    cassie | January 23, 2012

    What does “1% p.a. for 6 months (reverts to 17.99% p.a.)on it purchases” actually mean? I’m sorry I don’t understand why have a 1% if it’s going to “revert” to a higher percentage, when does “revert” etc. This particular line on all the credit card offers stumps me.

    • Staff
      Jeremy | February 10, 2012

      Hi Cassie,

      Thanks for your question. The Bankwest Zero Platinum MasterCard offers up to 55 days interest free days on purchases in addition to a 1% interest rate on purchases for 6 months.

      What this means is you will not receive any interest charges for up to 55 days from the date of your purchase up until the payment due date. After this period, you will incur a charge of 1% interest on the outstanding balance for the next 4 or so months. Both the (up to) 55 day interest free period and 1% interest on purchases for 6 month offer start from the date of the purchase. After the 6 month period the 1% interest rate will ‘revert’ or go back to the normal (and much higher) standard variable rate of interest for purchases. “Note: The interest rates and offer details mentioned in this comment were current as of 09/02/2012″Hope this has made things clearer for you. Cheers.

      Jeremy

  126. Default Gravatar
    Andreas M | January 17, 2012

    I have just applied for this card.

    There is no rewards program !!!

  127. Default Gravatar
    Robert | December 1, 2011

    What is the rewards system. please

  128. Default Gravatar
    Adele | October 10, 2011

    Am I able to pay this credit card via internet from other accounts I hold with other banks??:?

  129. Default Gravatar
    Ray S | October 6, 2011

    Is it possible to add medical cover to the free international travel insurance – and if so what would be the cost?

    • Staff
      Jacob | April 4, 2013

      Hi Ray. Certain things like pre-existing medical conditions can be added to the policy. The complimentary international travel insurance provides cover for medical and hospital expenses. I’m going to send the policy document to your email if you would like further information. Jacob.

  130. Default Gravatar
    Jay | September 6, 2011

    Hi,

    So you cleared up the 1st question i had which was the minimum. So in that case does this have a rewards program? and also if so, how much does it cost?

  131. Default Gravatar
    Michael O | July 13, 2011

    What is the minimum credit limit for this card?

    • Staff
      Jeremy | July 13, 2011

      Hi Michael

      Thanks for your comment

      The minimum credit limit for this card is $8,000.

      Cheers

      Jeremy



Credit Cards Comparison

Learn about our information service
Interest rate (p.a.) Balance transfer rate (p.a.) Annual fee Cash advance rate (p.a.)
ANZ Low Rate
ANZ Low Rate
A low rate on purchases, balance transfer and a low annual fee. 12.99% p.a. 0% p.a. for 9 months $58 p.a. 21.49% p.a. Apply Now For The ANZ Low Rate
Read More About The ANZ Low Rate
HSBC Credit Card
HSBC Credit Card
No annual fee for the life of the credit card. Plus a low balance transfer offer. 17.99% p.a. 0% p.a. for 6 months $0 p.a. 21.99% p.a. Apply Now For The HSBC Credit Card
Read More About The HSBC Credit Card
Commonwealth Bank Low Rate Credit Card
Commonwealth Bank Low Rate Credit Card
A low interest rate offer on purchases and balance transfers. 0% p.a. for 5 months (reverts to 12.99% p.a.) 5.99% p.a. for 5 months $78 p.a. ($48 for qualifying customers) 21.24% p.a. Apply Now For The Commonwealth Bank Low Rate Credit Card
Read More About The Commonwealth Bank Low Rate Credit Card
NAB Premium Card
NAB Premium Card
Long term balance transfer offer with premium benefits such as travel insurance. 19.49% p.a. 1% p.a. for 12 months $90 p.a. 21.74% p.a. Apply Now For The NAB Premium Card
Read More About The NAB Premium Card
ANZ Platinum Credit Card
ANZ Platinum Credit Card
No annual fee for the first year and a balance transfer offer. 19.39% p.a. 0% p.a. for 9 months $0 p.a. annual fee for the first year ($87 p.a. thereafter) 20.99% p.a. Apply Now For The ANZ Platinum Credit Card
Read More About The ANZ Platinum Credit Card

* The credit card offers compared on this page are chosen from a range of credit cards CreditCardFinder.com.au has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing cards.