No trip cancellation cover. This benefit is not included with the Zero Platinum Mastercard, which lost complimentary insurance on 3 September 2024. Prepaid flights, hotels, and tours are not reimbursable if you cancel, and a standalone travel insurance policy is required for this coverage.
Does the Bankwest Zero Platinum Mastercard come with any complimentary insurance?
Bankwest·A$0/year·Mastercard Platinum
0,0/5Independent review · verified August 2026
0,0
0,0
0,0
Our Verdict · Travel Insurance
Our take on travel insurance for the Bankwest Zero Platinum Mastercard
Expert review · Pauline LauroreAuthor of HelloSafe's card insurance reviews
No travel insurance. None at all. Here is the honest answer to the search for Bankwest Zero Platinum Mastercard travel insurance: the card carried complimentary overseas cover until Bankwest withdrew it on 3 September 2024. So, you book a trip and assume the platinum badge still insures you. It doesn't. One cardholder found out the hard way and was left $6,000 out of pocket on cover that no longer existed. What the card still does well is cost nothing to hold and nothing extra overseas: $0 annual fee, 0% foreign transaction fee. If you want the trip itself covered, a standalone travel insurance policy starts from a few dollars a day, and it is now the only route to overseas medical, cancellation, or evacuation.
What works on travel
- 0% foreign transaction fee: overseas and online purchases in any currency carry no Bankwest surcharge
- $0 annual fee: no cost to keep the card while you insure trips with a dedicated policy
Where travel breaks down
- No overseas emergency medical cover: a serious hospital admission abroad, commonly $50,000 to $200,000, is entirely on you
- Complimentary travel insurance removed on 3 September 2024: cardholders who relied on it now travel uninsured
- Every travel benefit reads not available: no cancellation, baggage, delay, evacuation, or liability cover
Our methodology
Every score is derived from official bank documents: terms and conditions, benefit guides, and claim procedures. No commercial relationship influences our ratings.
Travel Insurance · 20 guarantees
What does Bankwest Zero Platinum Mastercard Travel Insurance actually cover?
No overseas emergency medical cover. There is no 24/7 assistance line attached to this card since cover was removed on 3 September 2024. All medical costs overseas are the cardholder's responsibility, Medicare does not cover you outside Australia, and a serious hospital admission overseas can run $50,000 to $200,000.
No emergency evacuation cover. This benefit is not included with the Zero Platinum Mastercard. Emergency evacuation costs are entirely the cardholder's responsibility, and an air ambulance from Southeast Asia to Australia runs $60,000 to $100,000.
No overseas dental cover. This benefit is not included with this card. Emergency dental treatment overseas is out of pocket.
No hospital cash allowance. This benefit is not included with this card. A daily cash payment during an overseas hospital stay is not provided.
No additional expenses cover. This benefit is not included with this card. Costs from a trip cut short, such as return flights and unused hotels, are out of pocket.
No travel delay cover. This benefit is not included with this card. Meals, accommodation, and transport during a delay are the cardholder's responsibility.
No alternative transport cover. This benefit is not included with this card. Rebooking to reach a destination after a missed connection is paid out of pocket.
No resumption of journey cover. This benefit is not included with this card. The cost to fly home and resume a trip after a family emergency is out of pocket.
No baggage delay cover. This benefit is not included with this card. Purchases of essential items during a bag delay are out of pocket.
No baggage cover. This benefit is not included with this card. Replacement costs for lost or stolen bags are the cardholder's responsibility.
No travel documents cover. This benefit is not included with this card. Reissuing a stolen passport and covering fraudulent card transactions are paid out of pocket.
No personal liability cover. This benefit is not included with this card. Legal liability for injury to others or property damage overseas is uninsured, and claims commonly reach hundreds of thousands of dollars.
No accidental death benefit. This benefit is not included with this card. No lump sum is paid to your family for an accidental death during a journey.
No loss of income benefit. This benefit is not included with this card. Lost earnings after an overseas injury that stops you working are not replaced.
No domestic cancellation cover. The Interstate Flight Inconvenience benefit does not apply to this card. Cancelled prepaid interstate flights and travel are not reimbursable.
No domestic flight delay cover. This benefit is not included with this card. Meals and accommodation during an interstate flight delay are the cardholder's responsibility.
No domestic additional expenses cover. This benefit is not included with this card. Extra interstate travel and accommodation after a disruption are out of pocket.
No domestic luggage cover. This benefit is not included with this card. Loss, theft, or damage to bags on an interstate trip is not reimbursable.
No domestic luggage delay cover. This benefit is not included with this card. Essential purchases during an interstate baggage delay are out of pocket.
We source benefits from official card guides, but PDFs are sometimes hard to obtain or update. Spotted something off?
Coverage Radar
Where the Bankwest Zero Platinum Mastercard wins, where it loses
Coverage snapshot for this tab — click any layer to highlight its scores.
Trip cancellation: not covered by this card
Medical fees abroad: not covered by this card
Medical repatriation: not covered by this card
Compare
Zero Platinum MastercardThis card0.0/5?
A$0/yrWith travel insuranceIdeal
Complete coverage · 5.0 / 5Premium card avg.
A$240 avg. annual feeClick a layer to highlight its scores on the radar.
Side-by-side comparison
How the Bankwest Zero Platinum Mastercard stacks up against the alternatives
Same 5 coverage dimensions, ranked head-to-head against the cards most Zero Platinum Mastercard shoppers also consider.
| Card | This card Zero Platinum Mastercard Bankwest · A$0/yr 0.0/5? | Rewards Travel Adventures ANZ · A$120/yr 4.1/5? | Amplify Signature Bank of Melbourne · A$295/yr 4.3/5? | |
|---|---|---|---|---|
Trip cancellation Per person, per trip cap | Not covered Cover this gap → | $20,000 per person All prepaid travel | Unlimited Unlimited | |
Emergency medical Hospital bills abroad | Not covered Cover this gap → | $20,000,000 Capped $20m | Unlimited Unlimited | |
Emergency evacuation Air ambulance + repatriation | Not covered Cover this gap → | $20,000,000 Capped $20m | Unlimited Unlimited evacuation | |
Trip delay trigger Hours before benefits kick in | Not covered Cover this gap → | 6h / $2,000 Trigger: 6 hours | 6h / $1,100 Trigger: 6 hours | |
Trip interruption Covered amount | Not covered Cover this gap → | $100,000 Extra travel & accommodation | Unlimited Extra travel & accommodation |
StrongLimited / misleadingNot covered
Data verified against each card's Guide to Benefits, May 2026.
Cardholder reviews
What cardholders say about the Bankwest Zero Platinum Mastercard
Real experiences after complimentary insurance was removed 64 reviews
C(
Cambo (ProductReview)
Good no-fee everyday card
I liked the offer 14.99%, no annual fee and 4 month pay later plans.
HB
Heath Brown (ProductReview)
Insurance pulled without warning
Removed travel insurance without warning after providing it!
M(
MchlG (ProductReview)
Left $6,000 out of pocket
They removed the complementary insurance ... now I find there isn't any cover. Just cost us $6,000.
Emergency · Card assistance line
How to contact Bankwest Zero Platinum Mastercard assistance?
Bankwest card servicing (Australia)
13 17 19
Card and account queries
Bankwest card servicing (from overseas)
+61 8 9449 2840
Standard international call rates · Card and account queries, not travel claims
Benefit administrator: Not applicable. This card has no complimentary insurance, so there is no insurer or claims administrator to contact.
Claims & pre-authorizations
What to do if you need cover with the Zero Platinum Mastercard
1
Step 1: Confirm the gap before you travel
Since 3 September 2024 the Zero Platinum Mastercard carries no complimentary travel, rental, or purchase insurance, so there is nothing to claim through Bankwest or Cover-More. Do not assume the platinum badge insures the trip.
2
Step 2: Buy a standalone policy for the trip or hire car
A dedicated travel insurance policy is now the only source of overseas medical, cancellation, and rental excess cover for this card. Buy it before you leave Australia, and read the pre-existing condition terms if they apply to you.
3
Step 3: For a lost card or a disputed charge, call Bankwest
Contact Bankwest card servicing on 13 17 19 within Australia, or +61 8 9449 2840 from overseas, for a lost or stolen card, fraud, or a disputed transaction. This line does not handle travel or insurance claims.
FAQ
What people ask about the Bankwest Zero Platinum Mastercard
- You cannot, because there is no travel insurance to activate. Bankwest removed complimentary overseas travel insurance from the Bankwest Zero Platinum Mastercard on 3 September 2024, and the current Product Disclosure Statement (the policy booklet) lists only the Platinum Mastercard and World Mastercard as eligible cards. Holding the Zero Platinum, or spending on it, does not switch any cover on. If you are travelling and want overseas medical, cancellation, or baggage protection, the only route now is a standalone travel insurance policy bought before you leave Australia.
- No one. The Bankwest Zero Platinum Mastercard has no complimentary travel, rental, or purchase insurance, so there is no cover for the cardholder, a spouse or partner, or dependent children. Complimentary cover was removed from this card on 3 September 2024. On the eligible Bankwest platinum and world cards, cover can extend to a spouse and accompanying children travelling on the same itinerary, but the Zero Platinum is specifically excluded from that eligible-card list in the PDS. To protect anyone on a trip, take out a separate travel insurance policy that names each traveller.
- It does not, because the card carries no rental vehicle excess cover at all. The Rental Vehicle Insurance Excess benefit sits inside the Bankwest complimentary insurance that was removed from the Zero Platinum on 3 September 2024, and it only ever applied to the eligible Platinum and World Mastercards. So if a hire car is damaged or stolen, the excess is entirely on you, commonly $2,000 to $5,500 on an Australian hire. A standalone rental vehicle excess policy covers both Australian and overseas hires and is the only way to shift that cost off this card.
- There is nothing to claim, because this card has no complimentary insurance. Since 3 September 2024 the Bankwest Zero Platinum Mastercard has carried no travel, rental, or purchase cover, so neither Bankwest nor its insurer Cover-More will accept a claim tied to this card. If you bought a standalone travel policy for your trip, claim through that insurer using the contact details in its own policy document. For a lost or stolen card, fraud, or a disputed transaction, call Bankwest on 13 17 19 within Australia or +61 8 9449 2840 from overseas, though that line does not handle insurance claims.
- The short answer is everything on the insurance side. The Bankwest Zero Platinum Mastercard has no overseas emergency medical cover, no evacuation, no trip cancellation, no baggage or delay cover, no personal liability, and no domestic interstate cover. It also has no rental vehicle excess cover, no purchase protection, no extended warranty, no price guarantee, and no mobile phone insurance. All of these were removed on 3 September 2024. What the card does keep is a $0 annual fee and 0% foreign transaction fee, so it is a low-cost spender, just not an insurance product.
- Yes, and it is not optional if you want to be covered. Because the Bankwest Zero Platinum Mastercard has no complimentary travel insurance, a standalone policy is your only source of overseas emergency medical cover, which matters because Medicare pays nothing outside Australia and a serious hospital admission overseas can run $50,000 to $200,000. A separate policy also covers cancellation, baggage, and rental excess, none of which this card provides. One cardholder who assumed the old cover still applied reported being left about $6,000 out of pocket. Buy the policy before you leave, and check its pre-existing condition terms.
- No. The Bankwest Zero Platinum Mastercard does not include mobile phone or screen insurance, and it never carried a dedicated phone cover. If your phone is lost, stolen, or the screen cracks, the repair or replacement is your cost, and a flagship screen repair alone runs about $200 to $600. Some cards and standalone gadget policies do cover phones, usually on the condition that the monthly phone bill is charged to the card, but that is not part of this product. Treat your phone as uninsured under this card and budget for repairs yourself.
- No. There is no travel policy attached to the Bankwest Zero Platinum Mastercard, so skiing, snowboarding, and any snow-sports injury or equipment loss are not covered, on-piste or off-piste. On the eligible Bankwest platinum and world cards, on-piste snow sports are included and off-piste is excluded, but the Zero Platinum is not one of those cards since complimentary cover was removed on 3 September 2024. For a ski or snowboard trip, take out a dedicated snow travel insurance policy, which typically covers on-piste activity and can add off-piste cover for an extra premium.
- Bankwest removed complimentary insurance from the Zero Platinum Mastercard on 3 September 2024. From that date the card lost access to complimentary overseas travel insurance, the paid upgraded benefits, and the other insurances such as Interstate Flight Inconvenience, Purchase Security, Extended Warranty, and Price Guarantee. The current Product Disclosure Statement, effective 22 April 2026, confirms this by defining Platinum Mastercard as excluding the Bankwest Platinum Zero Mastercard and leaving it off the eligible-card list. If you held the card before that date and relied on the cover, it no longer applies, so arrange a standalone policy for any upcoming trip.
Not just Bankwest
Other cards worth considering
Zero Platinum Mastercard is a strong choice — but depending on what you prioritize, one of these may suit you better.
Amplify Signature
Bank of Melbourne
Amplify Qantas Signature
Bank of Melbourne
Amplify Qantas Platinum
Bank of Melbourne
Amplify Platinum
Bank of Melbourne
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