Bankwest Breeze Platinum Mastercard – Review and Fees

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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 ResidentsYes - Conditions apply
Joint ApplicationNo
Annual fee$99 p.a.
Minimum Monthly Repayment$20 or 2% of the closing balance, whichever is greater
Late Payment Fee$25
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
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
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.

Benefits of the Bankwest Breeze Platinum Mastercard

  • Introductory purchase offer. If you're a new customer 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 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.
  • 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).
  • Technological Extras. This card can be linked to Google Pay, available on compatible Android devices. You can also purchase a Bankwest Halo payment ring and use it to tap and go at any contactless payment terminal. Available in black or white, the ring costs $39, is secure, waterproof and doesn't require an app or charging.

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 cash advance rate of 21.99% p.a., which is applied from the time a cash advance transaction is made.
  • Interest-free days. Enjoy up to 55 days interest-free on purchases when you use your Breeze Platinum Mastercard. You must pay the closing balance, including any cash advances and balances, to qualify for interest-free days.
  • 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 September 20th, 2018
Name Product Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Product Description
Citi Clear Platinum Credit Card
12.99% p.a.
0% p.a. for 14 months
$0 p.a. annual fee for the first year ($99 p.a. thereafter)
Offers a 0% p.a. for 14 months balance transfer and $0 first year annual fee. Plus, insurance covers and Citibank Dining Program perks.
ANZ Low Rate
12.49% p.a.
0% p.a. for 15 months
$58 p.a.
Save with a 0% p.a. introductory rate on balance transfers for 15 months with no BT fee. Plus a low 12.49% p.a. interest rate on purchases.
Westpac Altitude Platinum Card - Qantas
20.24% p.a.
$50 p.a. annual fee for the first year ($200 p.a. thereafter)
Earn 60,000 bonus Qantas Points when you spend $3,000 within 90 days of card approval. Plus, a $50 first year annual fee.
St.George Vertigo Visa
13.74% p.a.
0% p.a. for 16 months
$55 p.a.
Get 0% p.a. interest for up to 16 months on balance transfers with no BT fee. Plus, a competitively low annual fee and purchase rate.

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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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