Bankwest Breeze Gold MasterCard – Review and Application

Information verified correct on December 5th, 2016

Take advantage of a low ongoing purchase rate of 8.99% p.a., first year annual fee waiver and complimentary insurance perks with the Bankwest Breeze Gold MasterCard. *Limited time only, fees and T&Cs apply.

The Bankwest Breeze Gold MasterCard provides the features of a Platinum card for a lower annual fee. Cardholders can take advantage of a low ongoing purchase rate of 8.99% p.a., an introductory balance transfer offer for 9 months, complimentary insurance perks with $0 annual fee for the first year.

Bankwest Breeze Gold MasterCard review

Gold accounts occupy a space between standard and platinum credit cards. They have some of the features of a platinum account with a slightly higher annual fee than a standard credit card product. And the Bankwest Breeze Gold MasterCard sits between the Bankwest Breeze Classic and Platinum credit cards. In addition to the low ongoing purchase rate, the account offers complimentary international travel insurance, but does not waive international transaction fees, like with the Breeze Platinum MasterCard.

Our Bankwest Breeze Gold MasterCard review will give you all the information you need to apply for the credit card, and examines the features of the product if you’re wondering whether this is the credit card for you.

Benefits of the Bankwest Breeze Gold MasterCard

  • No annual fee in the first year. Receive $0 annual fee for the first year ($89 p.a. thereafter).
  • Balance transfer offer. The Bankwest Breeze Gold MasterCard provides an introductory interest rate of 2.99% p.a. for 9 months on balance transfers. A variable purchase rate of 8.99% p.a. will apply after the introductory period ends.
  • Low purchase rate. This card comes with a low ongoing purchase rate of 8.99% p.a.
  • Interest-free days. Pay this account off in full when your statement is issued, and you can you use the card for interest-free purchases during the month. Get up to 55 days interest-free on purchases made on the account.
  • Complimentary insurance. When you charge the cost of your return overseas travel ticket to your Bankwest Breeze Gold MasterCard, you and your family will automatically receive international travel and medical insurance. This insurance policy covers things like medical expenses, lost luggage and includes a personal liability benefit too. You can learn more on how to activate the travel insurance by clicking here.
  • Purchase protection insurance. When you use the Bankwest Breeze Gold MasterCard to purchase personal items, the purchases you make on the card are automatically protected under complimentary purchase protection insurance. You can claim for loss, theft and damage to items purchased with the account up to a maximum benefit of $125,000 per year.
  • Global emergency card replacement. Bankwest offer support if you’re thinking about taking your Breeze Gold MasterCard to foreign shores. If your Gold MasterCard is lost or stolen, Bankwest will send you a replacement — at no extra cost.

Features of the Bankwest Breeze Gold MasterCard offer

  • Complimentary Insurance.The Bankwest Breeze Gold MasterCard offers complimentary insurances that provide cover for you and your family when you’re on an overseas holiday, and insurance aimed at protecting and extending cover for selected purchases you charge to the account.
  • Free overseas replacement. Bankwest offer free worldwide credit card replacement if you lose your Bankwest Breeze Gold MasterCard while you’re overseas.
  • Additional cardholders. Add up to 3 additional cardholders to the account for a fee of $0 each.
  • Fraud protection. Shop online, overseas and at home with peace of mind knowing that your account is protected by Bankwest and MasterCard. The MasterCard Zero Liability Guarantee gives you a money back guarantee if you’re the victim of credit card fraud while using the MasterCard payment networks.
  • PayPass technology. You get MasterCard cardholder benefits when you apply and get approved for the account. There’s no need to enter your PIN for purchases under $100 with MasterCard PayPass.

How to apply for the Bankwest Breeze Gold MasterCard

If you want to take advantage of this deal, apply online with the secure Bankwest online application form. You will be able to confirm the terms of the offer before proceeding with the application.

If you meet the income requirement, Bankwest may offer you a Breeze Platinum MasterCard instead of a Gold MasterCard. The Breeze Platinum MasterCard offers a number of additional value adding features to cardholders, like waiving international transaction fees.

To apply for this account, you must be able to answer ‘yes’ the following application requirements:

Eligibility criteria

  • You need to be a permanent Australian resident.
  • You need to be over the age of 18.
  • You need to have a good credit rating.

Required documents

To complete the online application, you’ll need to provide information about the following:

  • At least two of the following forms of identification: your driver’s licence, passport, medicare card or birth certificate
  • Your employer’s contact information
  • Information about your assets and income
  • Details of debts and expenses

What happens next and the processing of your offer application

As long as you apply and complete the application in full from, you may then be asked to verify your ID and supporting documents to Bankwest, which can be done in-store by simply having the necessary documents sighted and verified and sent across by a branch representative. Given that you have met the requirements and have completed an application from start to finish on, from here your application will move forward and once your card has been sent out and approved – the offer will then automatically processed and honoured on your new account.

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19 Responses to Bankwest Breeze Gold MasterCard – Review and Application

  1. Default Gravatar
    Rochelle | March 9, 2015

    Hi, is this an ongoing offer or will it expire shortly? I am travelling in June so wanted to hold off getting until closer to the time to take advantage of the interest free period so the latest to apply the better

    • Staff
      Jonathan | March 9, 2015

      Hi Rochelle, thanks for your inquiry!

      Unfortunately there is no offer end date at this point.



  2. Default Gravatar
    Ros | March 22, 2014

    If I am applying for a balance transfer and am planning to close those cards with the funds from the transfer do I include those amounts as a debt or exclude them as they will be gone if the balance transfer is approved

    • Staff
      Jacob | March 24, 2014

      Hi, Ros.

      Thanks for your question.

      When you apply for a credit card and elect to transfer a balance to that card, in the application you will be required to list your current outstanding balances with other credit card, including the amount you wish to transfer to the new card.

      I hope this helps.

  3. Default Gravatar
    Pablo | February 6, 2014

    on the application its says credit card limit
    do you guys mean whats my limit or how much do i owe on that card

    • Staff
      Marc | February 7, 2014

      Hi Pablo,
      thanks for the question.

      The section labelled ‘total credit limit’ in the ‘existing credit cards’ area refers to the limit of your existing cards, not the amount owing on these cards.

      I hope this helps,

  4. Default Gravatar
    Paul | January 17, 2013

    Can you please tell me after the 6 months balance transfer of 0%pa would the interest rate go to 11.99% or 21.99% pa thanks

    • Staff
      Jacob | January 17, 2013

      Hi Paul. Thanks for your question. After the balance transfer special rate period, the interest rate reverts to the standard purchase rate. Cheers.

  5. Default Gravatar
    richard | January 30, 2012

    where i live there isn’t a bankwest branch how would i pay my balance & would i get charged any bill payment fee

    • Staff
      Jeremy | February 10, 2012

      Hi Richard,

      Thanks for the question. The Bankwest Breeze Gold MasterCard terms and conditions say that: “you can make payments to your Card Account: via phone banking and Bankwest Online Banking, via BPAY payment or pursuant [sic] to a Direct Debit Services agreement you make with us; by mail to the address on the Card Account Statement”. In order to not get charged a late payment dishonour fee, your best option is to set your account up with Bankwest Online Banking. You will receive your statements electronically so there will be no waiting for a letter to arrive by mail and your payments will be processed the same or next day significantly reducing your chances of incurring an extra fee for late payments, provided you check your online account regularly. I hope this helps.


  6. Default Gravatar
    John | January 10, 2012

    After the transfer rate period, some banks charge the cash advance interest rate on this amount. What rate do you charge on the transferred amount?

    • Staff
      Jeremy | January 10, 2012

      Hi John

      After the balance transfer special rate period, the interest rate reverts to the standard purchase rate.



  7. Default Gravatar
    Sorensen | December 29, 2011

    please define the term cash advance. is this actual cash withdrawals or is it on goods that are put on the card

  8. Default Gravatar
    Beth | November 30, 2011

    Hi.Do I lose my awards points if I transfer my balance to you??

    • Staff
      Jacob | April 9, 2013

      Hi Beth. Thanks for your question. If you close your old credit card account (you don’t have to when you carry out a balance transfer to a new card), any accumulated rewards points are forfeit. Sorry for the lateness in this response. Jacob.

  9. Default Gravatar
    Ron | August 8, 2011

    is the bankwest breeze gold card linked to frequent flyer points

    • Staff
      Jeremy | October 24, 2011

      Hi Ron

      There is no rewards program available on the Bankwest Breeze



  10. Default Gravatar
    Catherine | June 27, 2011

    What does the international travel insurance covers and to what limit? Many thanks

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