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Bankwest Breeze Platinum Credit Card
Bankwest Breeze Platinum Credit Card

Bankwest Credit Cards

Bankwest Breeze Platinum Credit Card

Updated 1 July 2024

One of a rare few cards that waive foreign fees on purchases, the Bankwest Breeze Platinum has unique extras that suit overseas spenders and those looking to pay down debt or large purchases without interest.🙌

For a limited time, you’ll pay no interest on purchases or balance transfers for the first 12 months (2% transfer fee applies). Travellers will save on insurance costs with free international cover and interstate flight inconvenience insurance, which includes flight and baggage delay cover.


Terms and conditions apply

Purchase Rate (p.a)

0% p.a.

for 12 months. Reverts to 12.99% p.a.

Balance Transfer (p.a)

0% for 12 months 2% balance transfer fee applies.
Reverts to 12.99% p.a.

Annual Fee (p.a)

$69

$0 over 12 months

My transfer amount

Balance transfer from:

My annual fee

My interest rate

Pros and cons

  • Special offers: 0% p.a. on purchases and balance transfers for the first 12 months. After 12 months, you’ll pay a low 12.99% p.a. (note: a 2% balance transfer applies).
  • No foreign fees: pay no transaction fees on overseas purchases, online and in-person.
  • Insurances: you can use complimentary overseas travel insurance, plus interstate flight inconvenience insurance and transit accident insurance.
  • Up to 55 days interest-free on purchases.
  • Compatible with Apple Pay, Samsung Pay and Google Pay.

  • Cash advance rate of 21.99% p.a.

Creditcard.com.au review

Editor Review

Bankwest Breeze Platinum Credit Card

Pauline Hatch
Pauline is a personal finance expert at CreditCard.com.au, with 8 years in money, budgeting and property reporting under her belt. about this card.

Who suits the Bankwest Breeze Platinum card?

Globetrotter: you love travelling, and get a buzz from earning points that make your trips free and more fun. Deal Digger: you're always on the lookout for freebie perks like insurances, dining discounts and earning points for paying bills. First Timer: you’re looking for a fairly simple card with a few little perks to get you started. You’d like it to have a low annual fee and a low interest rate.

Editor’s overview

If you’re a travel-happy person or spend a lot overseas, you’ll probably like what Bankwest has put together with its Breeze Platinum card. It saves on fees when you spend overseas, and comes with international travel insurance.

But even if you’ve never stepped foot outside Australia, you’ll find other reasons to keep reading this review. Its current 12-months interest-free promotion on purchases and balance transfers is a great allrounder if you’re looking to pay off debt or a large purchase.

This one is a cheap card with a low annual fee and a bevy of money-saving extras. The lineup of extras is topped off with a very low annual fee, keeping costs down and the savings up.


Full review: Bankwest Breeze Platinum Mastercard

We get asked about cards that waive overseas transaction fees constantly, and there are a rare few cards we can point people to. The Bankwest Breeze Platinum is one of them, and comes with features others don’t, like international travel insurance.

It may not earn points, but it rewards you in other ways. I’ll walk through its features and how you can use the promotional interest-free period.

0% p.a. on purchases. You’ll pay no interest on everyday purchases you make on your card for the first 12 months. After the promotion ends, you’ll start paying 12.99% p.a. on your balance.

0% p.a. on balance transfers. You can transfer up to 95% of your credit limit from any non-Bankwest credit card and pay no interest on it for 12 months (from the date your card is activated, not the date of the transfer). Just note a 2% fee will be added to your transfer balance. The balance transfer has to be at least $500.

✏ Take note: These introductory features are only available if you’ve never held a Bankwest Breeze Mastercard before. You need to apply and be approved before the promotion ends.

Even though Bankwest is owned by CommBank, you can make a balance transfer from a CommBank credit card to the Bankwest Breeze Platinum.

Lastly, just remember withdrawing cash from your card (called a cash advance) won’t come under the terms of the promotion and will be charged 21.99% p.a. So, just stick with buying everyday items and paying off your debt to make the most of the introductory deal.


Other extras and deal-sweeteners

You might be reading this because you’re looking for a way to save on overseas costs. This card waives its usual 2.99% international transaction fees on purchases you make overseas or when you’re buying from overseas merchants online.

ATM withdrawal fees are also waived, which is a nice extra. You might still be charged a third-party fee by the ATM itself, though.

Another great extra is its range of complimentary travel insurances, which I’m surprised to see on such a low-cost card. Here’s what’s included:

Feature How it saves money Potential savings
Complimentary overseas travel insurance You and your spouse and dependent children can access travel insurance for trips up to 31 consecutive days (extensions can be requested) that includes overseas medical and dental expenses, accidental death, personal liability and baggage and personal goods. You can also apply for upgraded benefits for extra coverage. $50-$1,000+ depending on frequency of travel, age, and destination
Interstate flight inconvenience If you charge the entire cost of your return interstate flight to your credit card, you’ll be covered for meals and refreshments if your flight is delayed by 4 hours or more, essential clothing and toiletries if your baggage is delayed by 12 hours, and up to $250 cover for lost or damaged personal goods. $100, but mostly inconvenience
Transit accident insurance If you charge the entire cost of your overseas trip to your card, you’ll be covered for certain accidental death and injury as a result of an accident while you’re a passenger in a licensed plane, bus, ferry or train. Covers medical costs and transport


The Bankwest Breeze Mastercard also comes with price guarantee insurance, which gives you the difference in price between two items if you find it cheaper elsewhere and charged it to your card.

Plus, you’ll get purchase security, which provides loss, theft or damage cover on a range of new personal goods within 90 days of purchase.

All insurances come with terms and conditions, so read the Bankwest PDS to see what exactly you’re covered for.


What’s not so great

The Bankwest Breeze Platinum Mastercard doesn’t come with any type of rewards program, so it won’t suit you if you’re looking to earn points on your spending. That’s to be expected on a low-cost card.

The cash advance rate is predictably high at 21.99%, as most cards are. On the flip side, this card charges just 12.99% p.a. on any balance left on your balance transfer after the 12 months is up. That’s one of the lowest rates in town.


Who suits the Bankwest Breeze Platinum Mastercard?

This card has a low interest rate and a promotional 0% purchase offer, making it a good candidate if you're someone who doesn't pay off your card each month. It's a low-cost card that could suit first-time cardholders.

If you're looking for a way to pay off debt, the 12-month 0% balance transfer offer is great (and the low annual fee) but just remember it comes with a 2% balance transfer fee. Lastly, it's a great card for saving on overseas fees, so it could be a good companion for frequent travellers and overseas spenders.

User reviews

Bankwest Breeze Platinum Credit Card ( based on 6 Creditcard.com.au user reviews )

74% rating based on 6 reviews

Rates
Fees
Rewards
Customer Service
Value
90%

S

4 November 2022

The security of the card isn't great. The bank admit they don't always send customers security code to authorise overseas transactions online, so any criminal who has got a hold of your card details can easily use it, and the bank is likely to make you pay for what you did not authorise.

Recommends this card
91%

Creditcard.com.au Visitor

28 January 2013

All other platinum cards have really high interest rates and annual fees. This card gets you all the good stuff of a platinum card and you get super low interest rates – and a good intro offer – and the annual fee isn’t too high.

Recommends this card

Rates and fees

Interest rates



Purchase rate 12.99% p.a.

Introductory purchase rate 0% p.a. for 12 months

Cash advance rate 21.99% p.a.

Interest free period on purchases up to 55 days

Balance transfer

Balance transfer rate 0% p.a. for 12 months

Balance transfer revert rate 12.99% p.a.

Balance transfer from personal loan No

Balance transfer fee 2% one off

Balance transfer limit 95% of approved credit limit

Brands you can't balance transfer from Bankwest

Credit limits

Minimum credit limit $6,000

Maximum credit limit N/A

Fees & repayments

Annual fee $69 p.a.

Additional cardholder fee Up to 3 at no extra cost

Foreign transaction fee 0%

Minimum repayment 2% or $20 (whichever is greater; closing balance applies if less than $20)

Cash advance fee 3% or $4 (whichever is greater)

Late payment fee $25

Additional features

Complimentary insurance

International Travel Insurance Yes

Flight Inconvenience Insurance Yes

Transit Accident Insurance Yes

Smartphone Screen Insurance No

Purchase Protection Insurance Yes

Extended Warranty Insurance Yes

Rental Vehicle Excess In Australia Insurance Yes

Extras

Pay with your compatible device using Apple Pay, Samsung Pay & Google Pay™

Price Guarantee Scheme

Overview

Bankwest Breeze Platinum Credit Card

Key features

  • 0% p.a. on purchases and balance transfers for the first 12 months with 2% balance transfer fee. Reverts to 12.99% p.a. New customers only
  • Transfer up to 95% of your approved credit limit
  • Up to 55 days interest free on purchases
  • No foreign transaction fees on online and overseas purchases
  • Complimentary overseas travel and retail insurance
  • Pay with your compatible device using Apple Pay, Samsung Pay & Google Pay

Minimum criteria to apply for this card

  • Be over 18 years old

  • Good Credit and have not applied for multiple credit cards recently

  • Australian permanent resident

  • You have your personal details ready to complete the online application

Pauline

Pauline is a personal finance expert at CreditCard.com.au, with 8 years in money, budgeting and property reporting under her belt. Pauline is passionate about seeing Aussies win by making their money – and their credit cards – work smarter, harder and bigger

Recently Asked Questions

Something you need to know about this card? Ask our credit card expert a question.

79 questions (showing the latest 10 Q&As)

Sally

Sally

28 May 2024
Can you stop international payments on this credit card?
    Pauline - CreditCard.com.au

    Pauline

    31 May 2024
    Hi Sally, good question. I couldn’t find anything in the Bankwest site, but I do know in the CommBank app you can turn off international purchases with the flick of a switch. You should give Bankwest’s customer service a call at 13 17 19 for more details.
Michelle

Michelle

11 May 2024
Does the interest free period start from the first purchase or date the card issue date?
    Pauline - CreditCard.com.au

    Pauline

    14 May 2024
    HI Michelle, That’s a great question! The promotional interest free period starts on the date the card is opened and lasts for 12 months.
anthony

anthony

25 March 2024
does your overseas travel insurance cover a 81yr old
    Pauline - CreditCard.com.au

    Pauline

    9 April 2024
    Hi Anthony, the Bankwest PDS for their Platinum Card insurances states that people over the age of 80 are not eligible for cover. If you do a quick Google for "travel insurance over 80" you'll find a range of companies you can compare policies for. Have a great trip Anthony!
Michelle L Leary

Michelle L Leary

16 March 2024
I am trying to sign up for a Breeze CC but keep getting redirected to other offers. Is it not available yet?
    Pauline - CreditCard.com.au

    Pauline

    20 March 2024
    Hi Michelle! The card is definitely available and the application link is working. Try it again and let us know if it's still an issue for you. Thanks Michelle!
Madie

Madie

9 March 2024
Does BankWest accept Balance Transfers to Zip Pay/ Zip Money lines of credit?
    Pauline - CreditCard.com.au

    Pauline

    12 March 2024
    Hi Madie, I checked this for you and see that BankWest doesn’t currently accept balance transfers from personal loans, such as Zip Pay/Zip Money lines of credit. If you do want to clear your BNPL debt with a credit card balance transfer, I’ve written a guide on this exact topic. Hope this helps you Madie!
Hamed

Hamed

9 February 2024
Hi I am considering to apply for a credit card for the first time, I'd appreciate your guidance to help me choose the right CC. Thanks
    Pauline - CreditCard.com.au

    Pauline

    14 February 2024
    Hi Hamed, how exciting to be considering your first credit card! With so many options out there, it's important to find the one that fits your needs best. You can explore a variety of credit cards tailored for first timers. Additionally, I've put together a helpful guide with tips specifically for first time credit card users that you might find useful.
nicky

nicky

18 January 2024
When I looked into this card and the 0% on purchases it implied that you can only have 0% on purchases for 5 items only is this correct or is it on anything you purchase in this time period?
    Pauline - CreditCard.com.au

    Pauline

    23 February 2024
    Hi Nicky, I haven't seen anything like that anywhere...could you be mixing it up with Bankwest's Easy Instalment Plans? The Plans let you choose 5 items to pay off interest-free over regular set instalments, which is different to the 0% p.a. on new purchases for 12 months. I've always found Bankwest easy to get in touch with if you want to double-check!
Ellie

Ellie

8 January 2024
Hi Pauline, I was wondering if IVF treatments count as a ‘purchase’ for the purposes of this card i.e. will I be able to utilise the 12 months interest free offer for those treatments? Thanks :)
    Pauline - CreditCard.com.au

    Pauline

    9 January 2024
    Hi Ellie, interesting question! It comes back to how the merchant (the IVF facility) is set up at their end. That's how Bankwest would determine the type of purchase. Looking at the Bankwest PDS, though, there isn't anything to say it would be excluded purchase. To be safe, you could call Bankwest and ask them. I've generally found their customer service to be quick and helpful. All the best with everything Ellie!
Kakda

Kakda

27 November 2023
Hi, may I ask with 0% international fee and 0% on purchase for 12 months, if I purchase at the shop while overseas, does that mean I can pay minimu balance without paying interest from my overseas purchases? Thanks
    Pauline - CreditCard.com.au

    Pauline

    29 November 2023
    Hi Kakda, yes, that's correct! During the 12 months promotional period, you can pay the minimum amount on or before the due date for purchases made without incurring interest. Remember though, that once this promotional period ends, any remaining unpaid balance will revert to the original purchase interest rate of 12.99% p.a.
Priscilla

Priscilla

15 November 2023
I just saw there was promotion first annual fee for free for Breeze platinum card but now no more. How can i please get first annual fee for free? I would like to apply Breeze platinum credit card. Thankyou.
    Pauline - CreditCard.com.au

    Pauline

    16 November 2023
    Hi Priscilla, it seems you came across the previous promotion. The current offer has been on the card since November 10th and provides 0% p.a. on both purchases and balance transfers for 12 months. Unfortunately, the first-year free offer is no longer available. However, you might want to explore a range of no annual fee cards for alternative options.
Bernadette

Bernadette

4 September 2023
What insurance cover do I have with my Platinum credit card when travelling to the USA? Thanks.
    Pauline - CreditCard.com.au

    Pauline

    5 September 2023
    Hi Bernadette, good question! I looked into this and see that there are several complimentary overseas travel insurance coverage included with the Bankwest Breeze Platinum card, as well as you have the option to apply for Upgraded benefits like an additional period of cover and existing medical condition cover. You can check Bankwest’s official insurance coverage PDS here for specific information on the coverage, T&Cs, and some general exclusions.
Brendan Moore

Brendan Moore

29 August 2023
If the full amount of the purchases is not paid within the required timeframe what is the interest rate for payments if only paying the minimum amount?
    Pauline - CreditCard.com.au

    Pauline

    30 August 2023
    Hi Brendan, if you're still within the 15-month promotional period, the interest rate remains at 0% p.a. However, once this period expires, the interest rate for outstanding balances on purchases will adjust to 12.99% p.a.
carley

carley

21 August 2023
im wanting to get advise on the best credit card to apply for
    Pauline - CreditCard.com.au

    Pauline

    23 August 2023
    Hi Carley, we totally get it, there sure are a lot of credit cards to choose from. A good place to start is to figure out what you’re looking for in a card, how you’ll use the card, what extras you want included, etc. You can then use our comparison tool to view the different credit cards, read the reviews and find out what one has the features you want. If you’re confident you meet the eligibility criteria, then you can use the green “Go to site” button to go to the provider's site to apply.
Chris Vidotto

Chris Vidotto

10 August 2023
product Inquiry
    Pauline - CreditCard.com.au

    Pauline

    11 August 2023
    Hi Chris, please share more information about how I can help.
Niklaus

Niklaus

23 May 2023
I'm going overseas for 3 month and looking for a no foreign transaction fees I'm 76 years old will i be able to open a credit card Account
    Pauline - CreditCard.com.au

    Pauline

    25 May 2023
    Hi Nicklaus, as long as you meet the eligibility criteria, you may apply. We have had comments and questions posted from other users who have experienced some issues getting a credit card once they’re over a certain age. You can explore the selection of credit cards with no foreign transaction fees that we’ve listed for potential options. You should check with the credit provider before applying as to whether they see your age being an issue. There are legislative rules around “age discrimination” so check the requirements on our pensioners credit card guide too. If you do anticipate issues, there are cards like the “Wise Travel Money Card” and the HSBC Global Everyday debit card that lets you load your own money onto it before travelling and not experience foreign transaction fees. Enjoy your trip!
Jimmy

Jimmy

16 May 2023
I have just started a new job will 2 weeks of paychecks be enough to apply for this card?
    Pauline - CreditCard.com.au

    Pauline

    17 May 2023
    Hi Jimmy, that’s great to hear, congratulations! In regards to your question, it actually varies depending on the card issuer and their requirements. I checked this for you however there’s no information on the number of pay cheques indicated on Bankwest Breeze Platinum’s eligibility. I suggest reaching out to Bankwest directly at 13 17 19 for more information.
Mel

Mel

1 May 2023
Hi, I am applying for the breeze credit card and the page is on Review and I cannot save and continue
    Pauline - CreditCard.com.au

    Pauline

    2 May 2023
    Hi Mel, I’m sorry to hear about the trouble you’re having with the application form/page. I strongly suggest reaching out to Bankwest directly at 13 17 19 to check on your application.
Sheldon

Sheldon

16 April 2023
I need to apply for the Bankwest breeze platinum card
    Pauline - CreditCard.com.au

    Pauline

    17 April 2023
    Hi Sheldon, unfortunately, at the moment, we’re not partnered with Bankwest but you can head over to their official website to apply.
Stef

Stef

13 April 2023
Just to confirm the card Bankwest Breeze Platinum offers 0% international transaction fees, 0% currency conversion fees and 15 months 0% interest.. Looking at a credit card for travel overseas
    Pauline - CreditCard.com.au

    Pauline

    14 April 2023
    Hi Stef, yes you’re correct! The Bankwest Breeze Platinum card is a great card for overseas travel, as it offers no foreign/conversion fees and a 0% p.a. for 15 months on both purchases and balance transfers. The card also includes some complimentary travel insurance. If you're interested in exploring more credit card options for travel or ones with zero foreign fees, be sure to check out the other credit cards we have listed.

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