Bankwest Breeze Platinum MasterCard – Review and Fees

Information verified correct on December 9th, 2016

Receive platinum cardholder benefits with an annual fee waiver in the first year and a low ongoing rate of 8.99% p.a. on purchases. *Limited time only, fees and T&Cs apply.

The Bankwest Breeze Platinum MasterCard features complimentary travel insurance, purchase security insurance, no international transaction fees with $0 annual fee for the first year ($99 p.a. thereafter). Also get up to 3 supplementary cards at no additional cost and enjoy a low ongoing purchase rate of 8.99% p.a.

Product NameBankwest Breeze Platinum MasterCard
Balance transfer rate (p.a.)2.99% p.a. for 9 months
Balance Transfer Revert Rate
The interest rate after the balance transfer ends.
Purchase Rate (8.99% p.a.)
Balance Transfer Limit95% of available credit limit
Purchase rate (p.a.)8.99% p.a.
Annual fee$0 p.a. annual fee for the first year ($99 p.a. thereafter)
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
Minimum Monthly Repayment$20 or 2% of the closing balance, whichever is greater
Card TypeMasterCard
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
Complimentary Travel InsuranceYes
Complimentary Travel Insurance Cover6 months
Available To Temporary ResidentsNo
Joint ApplicationNo
Minimum Age18 years of age
Available to Temporary ResidentsNo
Credit Rating Requirement
Credit rating requirement is provided only as a guide. Understanding your credit file helps you make more informed decisions in regards to your finances. Learn more about what this means here.
Good
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
Annual Fee$0 p.a. annual fee for the first year ($99 p.a. thereafter)
Minimum Repayment$20 or 2% of the closing balance, whichever is greater
Late Payment Fee$25
Over Limit Fee$0
Cash Advance FeeGreater of 2% or $4.00
Overseas Cash Advance FeeGreater of 2% or $4.00
Overseas Emergency Replacement$0
Overseas ATM Balance check$0
Overseas ATM Withdrawal Fee$0
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
Gambling Transactions AllowedNo
Additional Cardholder Fee$0 p.a.
Number of Additional Cardholders3
BPAYYes
ChequeYes
Direct DebitYes
Australia PostYes
Phone BankingYes
Internet Banking TransfersYes
In BranchYes
MailYes

Pros

  • Pay no annual fee in the first year ($99 p.a. thereafter).
  • This card comes with an introductory balance transfer rate of 2.99% p.a. for 9 months.
  • Receive a low ongoing interest rate of 8.99% p.a. on purchases.
  • This card comes with platinum features and is only a fraction more expensive than their standard product.
  • $0 foreign exchange fees make this card an incredibly attractive offer for making purchases when travelling overseas, or when purchasing online from overseas websites.

Cons

  • There is no rewards program linked to this platinum card.

Bankwest Breeze Platinum MasterCard review

This platinum credit card offer comes with an annual fee waiver in the first year ($99 p.a. thereafter), providing platinum features such as complimentary travel and purchase security insurance. Bankwest Breeze Platinum MasterCard also features a low ongoing interest rate of 8.99% p.a. on purchases. However, the card lacks a rewards program, which could be a drawback for regular spenders.

Benefits of using a Bankwest Breeze Platinum MasterCard

  • Annual fee waiver. This card has a standard annual fee of $99. However, this will be waived in the first year if you apply and get approved for this card.
  • Introductory balance transfer offer. Consolidate your debts at a rate of 2.99% p.a. for the 9 months. After the introductory period expires, any outstanding balance will revert to the ongoing interest rate for purchases.
  • Low interest rate. This platinum card also boasts a low ongoing purchase rate of 8.99% p.a., which makes this card worth considering.
  • Complimentary travel insurance. A platinum card is generally incomplete without comprehensive complimentary travel insurance. Customers can take advantage of this benefit to reduce their out of pocket expense while traveling.
  • Purchase security insurance. This benefit gives peace of mind to customers while making purchases. Any loss, theft or damage to goods purchased from this card is covered. Cardholders can claim up to $125,000 in a year under this cover.
  • No international transaction fees. Overseas travellers can also benefit from no international transaction fees. Generally cards charge 3% currency conversion fee which is waived by this card. It can remove any overhead costs associated with traveling abroad.

Features of the Bankwest Breeze Platinum MasterCard offer

  • Interest-free days. Enjoy up to 55 days interest-free on your purchases provided you pay the balance in full every statement period.
  • Concierge service. Platinum cardholders get 24/7 access to a platinum concierge service, which provides users with greater convenience with travel, entertainment, shopping and business-related services.
  • Additional cardholder. Customers can get up to 3 supplementary cardholders at no extra cost.
  • PayPass. This feature allows customers to make purchases without a need to sign or enter pin at every purchase. It makes purchases much easier and gives a contactless technology to the customers. These purchases are limited to $100.

How to apply for Bankwest Breeze Platinum MasterCard

Eligibility requirements

Following eligibility requirements are required:

  • Age. Applicants must be over the age of 18.
  • Resident. They should be a citizen of Australia or permanent resident.
  • Credit rating. Good credit rating is required by this card.

Required documents

Applicants need to submit a couple of documents for processing. They are:

  • Identification. Applicants must submit any two of following documents: passport, driver’s license, birth certificate, Medicare card.
  • Income and expenses. Documents giving information about income and expenses need to be provided.
  • Employer details. Employer’s contact details and information should be provided.

The entire application takes around fifteen minutes to complete. After submitting the application, you will get a response from Bankwest within a few minutes.

Bankwest Breeze Platinum MasterCard cardholders can get a low purchase interest rate plus platinum benefits like complimentary travel insurance, purchase security insurance and no international transaction fees. Other features like annual fee waiver, free additional cards, and interest-free days also help to take control of your costs.

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