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Bankwest Breeze Platinum Mastercard – Review and Fees

Receive an introductory rate of 0% p.a. interest for 13 months on purchases and balance transfers. Plus, enjoy 0% foreign transaction fees and complimentary insurances.

The Bankwest Breeze Platinum Mastercard combines the features of a low rate credit card with platinum cardholder benefits. New cardholders who apply and get approved for a Bankwest Breeze Platinum Mastercard will receive a 0% p.a. introductory rate on purchases and balance transfers for 13 months (with a one-time 2% balance transfer fee). Plus, take advantage of platinum benefits such as complimentary international travel insurance and 0% international transaction fees on online and overseas purchases.

If you don’t qualify for the Bankwest Breeze Platinum Mastercard, you might still be interested in the Bankwest Breeze Classic Mastercard.

Product NameBankwest Breeze Platinum Mastercard
Balance transfer rate (p.a.)0% p.a. for 13 months with 2% balance transfer fee
Balance Transfer Revert Rate
The interest rate after the balance transfer ends.
Standard Balance Transfer Revert Rate (12.99% p.a.)
Balance Transfer Limit95% of available credit limit
Purchase rate (p.a.)0% p.a. for 13 months (reverts to 12.99% p.a.)
Annual fee$99 p.a.
Interest Free Period
The interest-free period on purchases is the period or number of days you do not have to pay interest on your card purchases. You will be charged interest either from the day you make a purchase or from the statement date, unless you pay the closing balance in full by the due date (or within the interest-free period) on your statement.
Up to 55 days on purchases
Cash advance rate (p.a.)21.99% p.a.
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
Card TypeMastercard
Foreign Currency Conversion Fee (MC)
Foreign currency conversion fees are charged when you make a transaction that is converted by a credit card network, such as MasterCard, Visa or American Express, from Australian dollars to a foreign currency. You’ll also incur a currency conversion fee if you make a purchase or obtain a cash advance in Australian dollars while overseas or shopping online with a foreign merchant or financial institution.
0% of transaction value
Complimentary Travel InsuranceYes
Minimum Age18 years of age
Available To Temporary ResidentsNo
Joint ApplicationNo
Annual fee$99 p.a.
Minimum Monthly Repayment$20 or 2% of the closing balance, whichever is greater
Late Payment Fee$25
Cash Advance Fee2% of transaction amount or $4 (whichever is greater)
Overseas Cash Advance Fee2% of transaction amount or $4 (whichever is greater)
Overseas ATM Withdrawal Fee$0
Foreign Currency Conversion Fee
Foreign currency conversion fees are charged when you make a transaction that is converted by a credit card network, such as MasterCard, Visa or American Express, from Australian dollars to a foreign currency. You'll also incur a currency conversion fee if you make a purchase or obtain a cash advance in Australian dollars while overseas or shopping online with a foreign merchant or financial institution.
0% of transaction value
Gambling Transactions AllowedNo
Additional Cardholder Fee$0
Number of Additional Cardholders3

Pros

  • This card comes with an introductory rate of 0% p.a. on purchases and balance transfers for 13 months.
  • 0% foreign transaction fees make this card a cost-effective offer for making purchases in a foreign currency when travelling overseas or shopping with international merchants online.
  • Pay $0 for a card replacement overseas.

Cons

  • There is no rewards program linked to this platinum card.
  • A one-time 2% balance transfer fee applies.

Bankwest Breeze Platinum Mastercard review

The Bankwest Breeze Platinum Mastercard is designed to offer affordable access to credit as well as platinum features. It offers a balance transfer, a low ongoing purchase rate, plus a number of platinum perks such as complimentary international credit card travel insurance and 0% foreign transaction fees. So, if you're a frequent traveller or someone who likes to shop internationally online, this card could save you money.

Benefits of the Bankwest Breeze Platinum Mastercard

  • Introductory purchase offer. Apply and get approved for a Bankwest Breeze Platinum Mastercard and you’ll pay 0% p.a. interest on purchases for the first 13 months. Any remaining balance attracts the standard variable purchase rate of 12.99% p.a. thereafter.
  • Balance transfer offer. New customers of the Bankwest Breeze Platinum Mastercard can receive an introductory balance transfer rate of 0% p.a. for 13 months, with a one-time 2% balance transfer fee. After the promotional period ends, the interest rate reverts to the standard balance transfer rate of 12.99% p.a. Please note that the balance transfer must be requested at the time of application to take advantage of the promotional rate.
  • Complimentary international credit card travel insurance. Benefit from complimentary international credit card travel insurance for you and your family when you pay at least $500 per person in prepaid travel expenses with your Bankwest Breeze Platinum Mastercard. Cover is automatically provided for a period of up to 6 months.
  • No foreign transaction fees. The Bankwest Breeze Platinum Mastercard offers 0% foreign transaction fees on overseas and online purchases made in a foreign currency.
  • Interest-free days. Enjoy up to 55 days interest-free on purchases when you pay your balance in full by the due date on each statement.
  • Purchase security insurance. This complimentary extra protects your eligible personal purchases against loss, theft and accidental damage for up to three months. The maximum amount you can claim in a year is $125,000.
  • Extended warranty cover. Eligible purchases receive complimentary cover that doubles the Australian manufacturer's warranty for up to 12 months.
  • Purchase price guarantee. With this complimentary extra, if you find a cheaper printed catalogue purchase price within 21 days you can claim the difference (minimum $75 claim).
  • Concierge service. Get access to your own personal assistant to help you book holidays, make restaurant reservations, get tickets to events and more.
  • Eligible for Google Pay. The Google Pay feature allows Bankwest cardholders to tap and go at the checkout with their Android device.

Features of the Bankwest Breeze Platinum Mastercard

  • Annual fee. The Bankwest Breeze Platinum Mastercard charges a $99 annual fee.
  • Cash advance fee. 2% of transaction amount or $4 (whichever is greater) is charged when you use the Bankwest Breeze Platinum for a cash advance transaction.
  • Cash advance interest rate. This card has a standard variable cash advance rate of 21.99% p.a., which is applied from the time a cash advance transaction is made.
  • Additional cardholders. Up to 3 supplementary cards can be issued for an annual fee of $0 each. Additional cardholders are subject to approval and must be at least 16 years of age.
  • $0 overseas replacement. If you’re overseas and you lose your Bankwest Breeze Platinum Mastercard or it’s stolen, Bankwest will arrange for a replacement card to be sent to you, wherever you are in the world – for $0.
  • Minimum credit limit. As this is a platinum product, the minimum credit limit attached is $6,000.

How to apply for the Bankwest Breeze Platinum Mastercard

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

  • Age. You must be over the age of 18.
  • Credit rating. You must have a good credit rating.
  • Residency. You must be a permanent Australian resident.

Required documents

  • Personal information. This includes your full name, date of birth, residential address, email address and contact number.
  • Identification. You'll need to provide details of two of the following forms of identification: passport, driver’s licence or Medicare card.
  • Employment details. This includes your position, the length of your employment and your employer's contact details.
  • Financial information. This includes details of your income, expenses and any existing debts or assets.

With a 0% p.a. interest rate on purchases and balance transfers, complimentary insurance covers and 0% foreign transaction fees, the Bankwest Breeze Platinum Mastercard is worth considering if you're looking to save on credit card costs but also want premium benefits. As there is a wide range of cards available on the market, make sure you compare your options to find the card that will best suit your needs.

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Credit Cards Comparison

Rates last updated June 19th, 2018
Name Product Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Product Description
Westpac Low Rate Card
13.49% p.a.
0% p.a. for 24 months with 1% balance transfer fee
$0 p.a. annual fee for the first year ($59 p.a. thereafter)
Offers a 0% for 24 month balance transfer option, first year annual fee waiver and a competitive purchase rate.
American Express Westpac Altitude Platinum Bundle - Qantas - Exclusive Offer
20.24% p.a.
$50 p.a. annual fee for the first year ($249 p.a. thereafter)
Up to 90,000 bonus Qantas Points when you meet the criteria with this dual Visa (issued & serviced by Westpac) & Amex (issued & serviced by Amex).
HSBC Platinum Credit Card
19.99% p.a.
0% p.a. for 22 months with 2% balance transfer fee
$0 p.a. annual fee for the first year ($129 p.a. thereafter)
Offers a 0% p.a. for 22 months balance transfer, $0 annual fee for the first year and an annual fee refund each year when you spend $6,000.
NAB Low Fee Card
19.74% p.a.
0% p.a. for 18 months with 2% balance transfer fee
$30 p.a.
Receive complimentary purchase protection insurance, a 18 month balance transfer offer and special offers from Visa Entertainment.
Citi Platinum Credit Card - 100k Bonus Points
20.99% p.a.
0% p.a. for 15 months with 1% balance transfer fee
$49 p.a. annual fee for the first year ($149 p.a. thereafter)
Earn 100,000 reward Points, enjoy a long-term balance transfer offer, a discounted first year annual fee and complimentary travel insurance.

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* The credit card offers compared on this page are chosen from a range of credit cards finder.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.

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