In this guide

  • Our verdict
  • Details
    • Product details
    • Eligibility
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates & fees
  • Your reviews
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Bankwest Breeze Platinum Mastercard

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Bankwest Breeze Platinum Mastercard
Terms and conditions apply
Balance transfer rate for 12 months with 2% balance transfer fee
0% p.a.
Purchase rate for the first 12 months (reverts to 12.99%)
0% p.a.
Annual fee
$69 p.a.
Interest-free on purchases
Up to 55 days

Our verdict

The Bankwest Breeze Platinum offers 0% interest on purchases and balance transfers for 12 months, with a 2% balance transfer fee.

The Bankwest Breeze Platinum Mastercard is a low rate credit card that currently gives you a way to save on interest with its 12-month, 0% purchase rate and balance transfer offer. The 12.99% p.a. interest rate that applies after the introductory period is also at the low end of the scale for credit cards in Australia. But keep in mind that any balance transfers will attract a 2% balance transfer fee.

Pros

  • 0% p.a. on purchases for 12 months, then 12.99% p.a.
  • Balance transfer offer of 0% p.a. for 12 months
  • No foreign transaction fees on overseas purchases
  • Access to complimentary overseas travel insurance

Cons

  • Does not include a rewards program
  • Cash advance rate of 21.99% p.a.
  • Charges a 2% balance transfer fee

In this guide

  • Our verdict
  • Details
    • Product details
    • Eligibility
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates & fees
  • Your reviews

The Bankwest Breeze Platinum Mastercard is a low rate credit card that gives you access to complimentary insurance as part of its platinum perks. Right now, it also offers 0% p.a. on purchases and balance transfers for the first 12 months when you’re approved as a new customer. After that a 12.99% p.a. interest rate applies, which is particularly low compared to the balance transfer rates that other cards charge after the introductory, interest-free period.

Details

Product details

Product Name Bankwest Breeze Platinum Mastercard
Balance transfer rate p.a. 0% for 12 months with 2% balance transfer fee, then 12.99%
Balance transfer limit 95% of available limit
Purchase rate p.a. 0% for 12 months, then 12.99%
Interest-free period Up to 55 days on purchases
Cash advance rate p.a. 21.99%
Min credit limit $6,000
Card type Mastercard

Eligibility

Available to temporary residents No
Minimum income $35,000
Joint application No

Rewards

Bonus points N/A

Fees

Annual fee $69
Minimum monthly repayment 2% of the closing balance or $20, whichever is greater
Late payment fee $25
Foreign currency conversion fee 0%
Cash advance fee 3% or $4, whichever is greater
Overseas cash advance fee 3% or $4, whichever is greater
Overseas ATM withdrawal fee $0
Additional cardholder fee $0
Number of additional cardholders 3

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.
  • New customers. Only new customers can take advantage of the introductory offers on this card.

Card benefits

  • 0% balance transfer rate offer. If you're a new Bankwest Breeze Platinum Mastercard customer, you'll get an introductory balance transfer rate of 0% p.a. for the first 12 months with a 2% balance transfer fee. After the 12-month period, the interest rate reverts to the standard balance transfer rate of 12.99% 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 as a new customer during the promotional period if you want to take advantage of this offer.
  • 0% purchase rate offer. Save on your shopping with a 0% purchase rate for the first 12 months you have this card. At the end of the introductory period, a standard purchase rate of 12.99% p.a. applies.

Rates & fees

  • Annual fee. The Bankwest Breeze Platinum Mastercard charges a standard annual fee of $69.
  • Cash advances. If you make a cash advance or cash-equivalent transaction, you will be charged a cash advance fee of 3% or $4 (whichever is greater) of the transaction amount, and it will be charged interest at 21.99% p.a.

Your reviews

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