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Bankwest Breeze Platinum Mastercard

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Save on credit card costs with a 0% purchase rate offer, no foreign transaction fees and complimentary overseas travel insurance.

The Bankwest Breeze Platinum Mastercard combines the features and savings of a low rate credit card with platinum cardholder benefits. You can save on interest charges with 0% p.a. on purchases for the first 15 months, reverting to 10.99% p.a. thereafter. You also get access to platinum benefits such as complimentary overseas travel insurance and waived foreign transaction fees.

2.99% p.a.

Balance transfer rate

for 9 months

0% p.a.

Purchase rate

for the first 15 months (reverts to 10.99% p.a.)

$69 p.a.

Annual fee

55 days

Interest free period

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Details

Product NameBankwest Breeze Platinum Mastercard
Balance transfer rate2.99% p.a. for 9 months
Balance transfer revert rateBalance Transfer Revert Rate (10.99%)
Balance transfer limit95% of available limit
Purchase rate0% for 15 months, reverts to 10.99% p.a.
Annual fee$69
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

  • Purchase rate offer of 0% p.a. for 15 months
  • No foreign transaction fees on overseas purchases
  • Access to complimentary overseas travel insurance
  • Digital card issued upon approval

Cons

  • Does not feature a rewards program
Annual fee$69
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, co-hosts our Pocket Money podcast and wrote about credit cards for almost five years. Her byline can be spotted on Yahoo Finance, Dynamic Business, Financy and Mamamia as well as Music Feeds and Rolling Stone. She has a Bachelor of Communication and Media Studies majoring in Journalism (Hons) from the University of Wollongong.

Expert review

With a 0% purchase rate promotion and complimentary overseas travel insurance, 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% purchase rate offer. If you're a new Bankwest Breeze Platinum Mastercard customer, you'll receive an introductory purchase rate of 0% p.a. for the first 15 months. After the 15-month period, the interest rate reverts to the standard purchase 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 during the promotional period if you want to take advantage of this offer. You will also still need to meet the card's repayment requirements during the introductory period.
  • Complimentary overseas travel insurance. The Bankwest Breeze Platinum card offers complimentary overseas travel insurance for up to 31 consecutive days through Cover-More. All you have to do to get the insurance is have the card open while you're travelling. If you meet the eligibility requirements, you'll be covered for overseas emergency medical & hospital expenses, baggage & personal goods, personal liability and accidental death with the option to upgrade for additional protection.

Rates & fees

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