Bankwest Breeze Platinum Mastercard

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Save with a $0 annual fee for the first year, a 0% balance transfer for 26 months and no foreign transaction fees.

The Bankwest Breeze Platinum Mastercard combines the features and savings of a low rate credit card with platinum cardholder benefits. New customers can save on interest charges with 0% p.a. on balance transfers for the first 26 months (with a one-time 2% balance transfer fee), reverting to 10.99% p.a. thereafter. You also save on the annual fee in the first year, which reverts to $69 from the second year onwards.

0% p.a.

Balance transfer rate

for 26 months with 2% balance transfer fee

10.99% p.a.

Purchase rate

$0 p.a.

Annual fee

for the first year ($69 p.a. thereafter)

55 days

Interest free period

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Details

Product NameBankwest Breeze Platinum Mastercard
Balance transfer rate0% p.a. for 26 months with 2% balance transfer fee
Balance transfer revert rateBalance Transfer Revert Rate (10.99%)
Balance transfer limit95% of available limit
Purchase rate10.99% p.a.
Annual fee$0 annual fee for the first year ($69 p.a. thereafter)
Interest-free period55 days
Cash advance rate21.99% p.a.
Min credit limit$6,000
Card typeMastercard
Foreign currency conversion fee0%
Minimum income$35,000
Available to temporary residentsNo
Joint applicationNo

Pros

  • $0 annual fee for the first year
  • Balance transfer offer of 0% p.a. for 26 months
  • No foreign transaction fees on overseas purchases
  • Access to complimentary overseas travel insurance
  • Digital card issued upon approval

Cons

  • Charges a one-time 2% balance transfer fee
  • Does not feature a rewards program
Annual fee$0 annual fee for the first year ($69 p.a. thereafter)
Minimum monthly repayment2% of the closing balance or $20 , whichever is greater
Late payment fee$25
Foreign currency conversion fee0%
Cash advance fee2% or $4 , whichever is greater
Overseas cash advance fee2% or $4 , whichever is greater
Overseas ATM withdrawal fee$0
Additional cardholder fee$0
Number of additional cardholders3

Expert review

Sally McMullen

Review by


Sally McMullen is a creative content producer at Finder. Sally has written about credit cards for almost 5 years, authoring almost 900 articles on Finder alone. She has also been published in Yahoo Finance, Dynamic Business, Financy and Mamamia, as well as Music Feeds and Rolling Stone. Sally has a Bachelor of Communication and Media Studies majoring in Journalism (Hons) from the University of Wollongong.

Expert review

With a 0% balance transfer rate promotion and complimentary insurance covers, the Bankwest Breeze Platinum Mastercard is worth considering if you're looking to save on credit card costs but also want premium benefits.

How to apply

You can apply for the Bankwest Breeze Platinum Mastercard online in around 15 minutes. Before you get started, make sure you meet the eligibility requirements and have all the required documents and details on hand.

Eligibility criteria

  • Minimum Income. You need to have a regular income of at least $35,000 per year.
  • Eligible balance transfer. Balances cannot be transferred from existing Bankwest-branded credit cards. You can transfer from $500 up to 95% of your credit limit.

Card benefits

  • 0% balance transfer rate offer. If you're a new Bankwest Breeze Platinum Mastercard customer, you'll receive an introductory balance transfer rate of 0% p.a. for the first 26 months (with a one-time 2% balance transfer fee). After the 26-month period, the interest rate reverts to the standard balance transfer rate of 10.99% p.a. While there is no specified date when this offer will end, it is only available for a limited time. So you will need to apply as a new customer during the promotional period if you want to take advantage of this offer.
  • $0 annual fee for the first year. Apply for this card and get approved to save with a $0 annual fee waiver for the first year (reverting to $69 p.a. thereafter).

Rates & fees

  • Annual fee. Outside of any promotions, the Bankwest Breeze Platinum Mastercard charges a standard annual fee of $69.
  • Purchase rate. This card charges a competitive 10.99% p.a. interest rate on purchases.
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