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Bankwest Breeze Platinum Credit Card
Bankwest Breeze Platinum Credit Card

Bankwest Credit Cards

Bankwest Breeze Platinum Credit Card

Updated 1 August 2022

Bankwest Breeze Platinum Mastercard is currently offering 0% p.a. on purchases and balance transfers for the first 15 months. No balance transfer fee applies. Save on card costs with no foreign transaction fees, complimentary insurance covers plus, you'll enjoy a first year annual fee waiver.

New customers only. Other fees, T&Cs apply.

Purchase Rate (p.a)

0% p.a.

for 15 months. Reverts to 9.90% p.a.

Balance Transfer (p.a)

0% for 15 months No balance transfer fee.
Reverts to 9.90% p.a.

Annual Fee (p.a)

$0 first year. Then $69 p.a.

$0 over 15 months

My transfer amount

Balance transfer from:

My annual fee

My interest rate

Pros and cons

  • 0% p.a. on purchases and balance transfers for the first 15 months. No balance transfer fee applies. Reverts to 9.90% p.a.
  • First year annual fee waived. Reverts to $69 p.a. thereafter
  • No foreign transaction fees on online and overseas purchases
  • Complimentary overseas travel insurance
  • Up to 55 days interest free on purchases
  • Transfer up to 95% of your approved credit limit
  • Pay with your compatible device using Apple Pay, Samsung Pay, & 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.

The Bankwest Breeze Platinum Mastercard

A great low rate card for cardholders who like to travel, the Bankwest Breeze Platinum Mastercard offers complimentary overseas travel insurance and no foreign transaction fees. Designed to help cardholders save on interest with an excellent introductory offer of 0% p.a. for 15 months on purchases and balance transfers. No balance transfer fee applies.

What we love...

On to the card’s introductory offer and ongoing features. One of the main reasons to choose the Bankwest Breeze Platinum Mastercard is its low purchase rate. While many platinum credit cards have much higher purchase rates, the Bankwest Breeze Platinum Mastercard can keep interest costs lower for cardholders who carry a balance.

If you clear your balance by the due date, you can obviously save even more by preventing interest from accruing. This also allows you to take advantage of the card’s interest-free feature, which provides up to 55 days interest free on purchases. This can come in handy when buying larger items, or even just on everyday spending.

Additionally, if you’re looking for a card that offers a balance transfer to help clear your existing debt faster and which you can also use to make day-to-day purchases without paying any interest, the Bankwest Breeze Platinum Mastercard could be the card for you. Not only does does this card offer 0% p.a. on purchases and balance transfers for 15 months, but any balance left unpaid at the end of the intro period reverts to the card’s ongoing balance transfer rate of 9.90%, rather than the higher cash advance rate.

The promotional offer applies to new customers only. No balance transfer fee applies. If approved, you may transfer a balance up to 95% of your credit limit, from any Australian non-Bankwest credit card. It’s nice to know that even though Bankwest is owned by CommBank, it still accepts balance transfers from CommBank credit cards for approved applicants.

One huge feature we’d like to mention here is the Bankwest Breeze Platinum Mastercard’s absence of foreign transaction fees. Unlike other cards that can charge up to 4% for purchases made overseas, this card offers you the chance to save big – especially if you travel overseas frequently, or you shop at international retailers.

What’s not so great...

Designed to be a no frills platinum card, the Bankwest Breeze Platinum Mastercard keeps it pretty basic. While it may offer overseas travel insurance and no foreign transaction fees, it is basically a low rate card with a few nice perks thrown in. For the annual fee, it’s a pretty good deal, especially with the $0 annual fee intro offer, but for cardholders who like lots of extras, they may not find what they’re looking for here.

Some features to watch out for include the card’s high cash advance rate. You can avoid the cash advance costs by avoiding cash advances.

Why should you choose this card?

The Bankwest Breeze Platinum Mastercard may be a good fit if you want a low rate card with a select few platinum perks. It could work especially well for cardholders who like to travel, or anyone who uses their card shopping online at overseas merchants as well as for those who want to pay off their existing debt and save money on interest.

It’s worth pointing out that the annual fee for the Bankwest Breeze Platinum Mastercard is not much higher than the annual fee for the Bankwest Breeze Mastercard. If you meet the eligibility requirements for the platinum card – and you think you’ll use its extras – it may be worth considering the Bankwest Breeze Platinum Mastercard over its cheaper cousin.

In terms of included insurances, the Bankwest Breeze Platinum Mastercard provides overseas travel insurance, with interstate flight inconvenience insurance and transit accident insurance included. The retail cover comes in the form of price guarantee, purchase security insurance and extended warranty.

Overall Rating

With a low ongoing interest rate, the Bankwest Breeze Platinum Mastercard offers a selection of platinum perks, including overseas travel insurance and retail cover, and no foreign transaction fees. New cardholders can take advantage of 0% p.a. on purchases and balance transfers for 15 months and first year annual fee waiver.

User reviews

Bankwest Breeze Platinum Credit Card ( based on 5 Creditcard.com.au user reviews )

71% rating based on 5 reviews

Rates
Fees
Rewards
Customer Service
Value
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 9.90% p.a.

Introductory purchase rate 0% p.a. for 15 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 15 months

Balance transfer revert rate 9.90% p.a.

Balance transfer from personal loan No

Balance transfer fee No fee

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)

Annual fee the first year $0

Cash advance fee 2% 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

  • First year annual fee waived. Reverts to $69 p.a. thereafter
  • 0% p.a. on purchases and balance transfers for the first 15 months. No balance transfer fee applies. Reverts to 9.90% 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

  • Minimum income of $35,000 p.a.

  • 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 a our credit card expert a question.

44 questions (showing the latest 10 Q&As)

Sandra Deeth

Sandra Deeth

26 July 2022
Good morning, We are after a credit card that offers nil overseas transaction fees, minimal annual fees and most importantly a facility to notify me by text message every time a transaction is carried out. Regards Sandra Deeth
    Pauline - CreditCard.com.au

    Pauline

    1 August 2022
    Hi Sandra! I can’t say I know of every brand that offers SMS notifications for transactions (many are limited to low balance alerts or payment reminders), but the Westpac app and Citi app do. Take a look at the comparison pages to find one that meets your other goals. One thing to keep in mind is that you might have to be flexible - a low annual fee could mean you’ll pay overseas fees, and vice versa. It depends on what you consider a minimal annual fee. Good luck!
Luna

Luna

15 July 2022
Hi! What are this cards T&C’s regarding this fraud and suspicious transactions? Do we get refunded? Does the fraud amount has to be repaid provisionally?
Margaret

Margaret

9 July 2022
Looking for a credit card for my friend. We are travelling overseas and want a card we can use that doesn’t charge conversion fees for using it internationally. We will be overseas for 8 weeks.
    Pauline - CreditCard.com.au

    Pauline

    11 July 2022
    Hi Margaret, there are some credit cards in the market that offer 0% foreign fees. You can use our tool to compare some of them side by side, read our detailed reviews and make an informed decision on the one that suits you best. Have a great trip!
Sascha

Sascha

7 July 2022
I am looking at a Credit card with 0% on Purchases and complimentary travel insurance. What are the terms of the insurance? i.e. minimum spend? If I also get normal travel insurance through a separate insurer - will your policy still be active in tandem?
    Pauline - CreditCard.com.au

    Pauline

    11 July 2022
    Hi Sascha, the terms of the insurance will be set out by Bankwest, Zurich and the agent Cover-More. Each will have different exclusions and terms based on the factors of yourself and your trip. Prior to the pandemic, I personally activated my complimentary insurance as well as buying a 3rd party policy. You never know what will happen when you’re travelling! Have a great trip.

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