Ask Roland a Question

Hi, I’m the site founder and I will personally answer your question within a business day.

By submitting this question you agree to our privacy policy.

Bankwest Breeze Platinum Credit Card

5 reviews

Purchase rate

9.90% p.a.

Balance transfer

0% 6 months
0% Complete (success)
reverts to 9.90% p.a. No BT fee

Annual fee

$0 first year
0% Complete (success)
then $99

Pros

Purchase rate of just 9.90% p.a.

0% p.a. on balance transfers for the first 6 months. Reverts to 9.90% p.a. New customers only.

Range of complimentary insurance

No foreign transaction fees on online and overseas purchases

Cons

Cash advance rate of 21.99% p.a.

Bankwest Breeze Platinum Credit Card

A low rate platinum credit card that is currently offering 0% p.a. on balance transfers for the first 6 months. Reverts to a low 9.90% p.a. New customers only. Add to this no foreign transaction fees on online and on overseas purchases and this Breeze Platinum offer is definitely worth considering. The Bankwest Breeze Platinum also offers complimentary international travel insurance, purchase security cover and worldwide emergency card replacement.

Key features

  • 0% p.a. on balance transfers for the first 6 months. Reverts to 9.90% p.a. New customers only.
  • Low 9.90% p.a. on purchases
  • Up to 55 days interest free
  • No foreign transaction fees on online and overseas purchases
  • Up to 12 months extra warranty on new purchases
  • $0 annual fee the first year. $99 annual fee thereafter
  • International travel insurance
  • Up to 6 months loss, accident damage and theft protection on new purchases
  • 21 days of purchase price guarantee cover
  • Platinum Concierge service
80% of customers who have rated this card would recommend it
  • Rates
    72%
  • Fees
    48%
  • Rewards
    N/A
  • Customer Service
    94%
  • Value
    69%
Overall user rating 69%
5 reviews

91% Visitor

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

Interest Rates
Purchase rate 9.90% p.a.
Cash advance rate 21.99% p.a.
Interest free on purchases up to 55 days
Balance Transfer
Balance transfer rate 0% p.a. for 6 months
Balance transfer fee No fee
Balance Transfer revert rate 9.90% p.a.
Balance transfer limit 95% of your approved new credit limit
Balance transfer from personal loan No
Banks you can't balance transfer from Bankwest
Credit limits
Minimum credit limit $6,000
Maximum credit limit $25,000
Fees & repayments
Annual fee $99 p.a.
Annual fee first year $0
Additional cardholder fee Up to 3 at no extra cost
Cash advance fee 2%
Foreign transaction fee 0%
Minimum repayment 2%
Late payment fee $25
Credit card type Mastercard
Complimentary insurance
Overseas travel insurance yes - up to months
Flight inconvenience insurance No
Transport accident cover No
Smartphone screen insurance No
Purchase protection insurance Yes
Extended warranty insurance Yes
Rental vehicle excess cover No

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 a low ongoing purchase rate, the card also offers the opportunity to save on balance transfers, with 0% p.a. on balance transfers for 6 months.

What we love...

If you’re looking for a balance transfer offer, the Bankwest Breeze Platinum Mastercard could be the card for you. Not only does it offer 0% p.a. on balance transfers, any balance left unpaid at the end of the intro period reverts to the card’s much lower purchase rate, rather than its cash advance rate.

The offer applies to new customers only. 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.

Now to the card’s 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.

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, 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.

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. Retail cover comes in the form of price guarantee, purchase security insurance and extended warranty.

One other nice feature that we’d like to mention is the card’s compatibility with Bankwest’s Halo payment ring. Available in two colours, and sized to fit, this ring provides wearable contactless technology, so you can leave your wallet at home and tap-and-go at the checkout. This comes at a fee of $39, and is waterproof up to 50m, with all the standard card security included.

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 balance transfers for 6 months.

27 questions (showing the latest 10 Q&As)

Ruth P

Ruth P

4 August 2019
If I apply for an additional CC, and while travelling we loose one of the cards for some reason, and the card needs to be cancelled. Are both cards cancelled or just the one lost?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    5 August 2019
    Hi Ruth, I think it will depend on whether you lose the primary card. If you lose the secondary card, then I assume you should be able to just cancel that one and have it re-issued. Though if its primary, this may affect the other card. Bottom line, I always have a few different cards when travelling. I will only take 1 or 2 cards with me at any time. Then make sure I have a backup card in a safe place. Have a look at this 28 Degrees no foreign fee card that I use when travelling.
Nadine

Nadine

7 June 2019
We have a Bankwest platinum mastercard and have paid overseas air fares with it and wondered how much travel insurance is covered with this or do we need to take out more travel insurance and I need detailed cover so I know what we are covered for
Fred

Fred

21 August 2018
In order to avoid fees when overseas when withdrawing cash with this card, am I able to "top up" my card above the maximum limit before I go and then in effect use the card to withdraw my own money (and not incur fees for cash withdrawal)?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    21 August 2018
    Hi Fred, this is not possible with the Bankwest Breeze credit card. You will always be charged a cash advance fee even in debit. The only credit card I know that waives the cash advance fee when overseas as standard is the ANZ Rewards Travel Adventure card. It also has no foreign fees but with the extra benefit of this overseas cash advance fee waiver. At 2% with the breeze this can add up depending on how much cash you want to withdraw.
Rose

Rose

9 June 2018
Do I need to pay my return flights with this credit card to be eligible for travel insurance or just purchase $500 worth of travel expenses i.e accommodation? Does this card earn any reward points?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    9 June 2018
    Hi Rose, I found this PDF on the Bankwest website that provides full details on the overseas travel insurance that comes with the Breeze Platinum. https://www.bankwest.com.au/library/pdf/PDS_20060801-154923.pdf. Checking eligibility - 28-29, there are a few points but the main one is that you spend at least $500 on prepaid travel expenses. There are no rewards points program on the Breeze Platinum that I am aware. You would need to change to a more rewards focused card.
Dave Hill

Dave Hill

22 January 2018
More info on travel insurance.
Barbara

Barbara

5 January 2018
Hi Roland. I notice you mention there is no annual fee, however the information above your chat section says the annual fee is $99. Would you please clarify this?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    8 January 2018
    Hi Barbara, offers do change regularly. Sometimes there are annual fee waivers. The current annual fee on this card is $99.
boody jay walker

boody jay walker

21 December 2017
how can i aply for Bankwest Breeze Platinum Credit Card
  • Be over 18 years old
  • Good credit and not applied for multiple credit cards recently
  • Resident or citizen of Australia. Temporary residents are eligible.
  • You have your personal details ready to complete the online application
Bankwest Breeze Platinum Credit Card
Bankwest Breeze Platinum Credit Card

Bankwest Breeze Platinum Credit Card

Updated 31 July 2019

Purchase Rate (p.a)

9.90%

Balance Transfer (p.a)

0% for 6 months No BT fee. reverts to 9.90% p.a.

Annual Fee (p.a)

$0 first year. Then $99 p.a.

$0 over 6 months

My transfer amount

Balance transfer from:

My annual fee

My interest rate

Pros and cons

  • Purchase rate of just 9.90% p.a.
  • 0% p.a. on balance transfers for the first 6 months. Reverts to 9.90% p.a. New customers only.
  • Range of complimentary insurance
  • No foreign transaction fees on online and overseas purchases

  • Cash advance rate of 21.99% p.a.

Creditcard.com.au review

Editor Review

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 a low ongoing purchase rate, the card also offers the opportunity to save on balance transfers, with 0% p.a. on balance transfers for 6 months.

What we love...

If you’re looking for a balance transfer offer, the Bankwest Breeze Platinum Mastercard could be the card for you. Not only does it offer 0% p.a. on balance transfers, any balance left unpaid at the end of the intro period reverts to the card’s much lower purchase rate, rather than its cash advance rate.

The offer applies to new customers only. 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.

Now to the card’s 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.

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, 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.

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. Retail cover comes in the form of price guarantee, purchase security insurance and extended warranty.

One other nice feature that we’d like to mention is the card’s compatibility with Bankwest’s Halo payment ring. Available in two colours, and sized to fit, this ring provides wearable contactless technology, so you can leave your wallet at home and tap-and-go at the checkout. This comes at a fee of $39, and is waterproof up to 50m, with all the standard card security included.

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 balance transfers for 6 months.

User reviews

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

69% 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.

Cash advance rate 21.99% p.a.

Interest free on purchases up to 55 days

Balance transfer

Balance transfer rate 0% p.a. for 6 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

Banks you can't balance transfer from Bankwest

Credit limits

Minimum credit limt $6,000

Maximum credit limit $25,000

Fees & repayments

Annual fee $99 p.a.

Additional card holder fee Up to 3 at no extra cost

Foreign transaction fee 0%

Minimum repayment 2%

Annual fee the first year $0

Cash advance fee 2%

Late payment fee $25

Additional features

Complimentary insurance

Overseas travel insurance yes

Flight inconvenience insurance No

Transport accident cover No

Smartphone screen insurance No

Purchase protection insurance Yes

Extended warranty insurance Yes

Rental vehicle excess cover No

Overview

Bankwest Breeze Platinum Credit Card

A low rate platinum credit card that is currently offering 0% p.a. on balance transfers for the first 6 months. Reverts to a low 9.90% p.a. New customers only. Add to this no foreign transaction fees on online and on overseas purchases and this Breeze Platinum offer is definitely worth considering. The Bankwest Breeze Platinum also offers complimentary international travel insurance, purchase security cover and worldwide emergency card replacement.

Key features

  • 0% p.a. on balance transfers for the first 6 months. Reverts to 9.90% p.a. New customers only.
  • Low 9.90% p.a. on purchases
  • Up to 55 days interest free
  • No foreign transaction fees on online and overseas purchases
  • Up to 12 months extra warranty on new purchases
  • $0 annual fee the first year. $99 annual fee thereafter
  • International travel insurance
  • Up to 6 months loss, accident damage and theft protection on new purchases
  • 21 days of purchase price guarantee cover
  • Platinum Concierge service

Minimum criteria to apply for this card

  • Be over 18 years old

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

  • Resident or citizen of Australia. Temporary residents are eligible.

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

Roland B Bleyer

Roland B Bleyer founded Creditcard.com.au in 2005 and has extensive knowledge about credit cards. He personally answers all questions and write the editor reviews for each card here. Always keen to share his passion to educate consumers and help you select better suited credit cards.

Recently Asked Questions

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

27 questions (showing the latest 10 Q&As)

Ruth P

Ruth P

4 August 2019
If I apply for an additional CC, and while travelling we loose one of the cards for some reason, and the card needs to be cancelled. Are both cards cancelled or just the one lost?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    5 August 2019
    Hi Ruth, I think it will depend on whether you lose the primary card. If you lose the secondary card, then I assume you should be able to just cancel that one and have it re-issued. Though if its primary, this may affect the other card. Bottom line, I always have a few different cards when travelling. I will only take 1 or 2 cards with me at any time. Then make sure I have a backup card in a safe place. Have a look at this 28 Degrees no foreign fee card that I use when travelling.
Nadine

Nadine

7 June 2019
We have a Bankwest platinum mastercard and have paid overseas air fares with it and wondered how much travel insurance is covered with this or do we need to take out more travel insurance and I need detailed cover so I know what we are covered for
Fred

Fred

21 August 2018
In order to avoid fees when overseas when withdrawing cash with this card, am I able to "top up" my card above the maximum limit before I go and then in effect use the card to withdraw my own money (and not incur fees for cash withdrawal)?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    21 August 2018
    Hi Fred, this is not possible with the Bankwest Breeze credit card. You will always be charged a cash advance fee even in debit. The only credit card I know that waives the cash advance fee when overseas as standard is the ANZ Rewards Travel Adventure card. It also has no foreign fees but with the extra benefit of this overseas cash advance fee waiver. At 2% with the breeze this can add up depending on how much cash you want to withdraw.
Rose

Rose

9 June 2018
Do I need to pay my return flights with this credit card to be eligible for travel insurance or just purchase $500 worth of travel expenses i.e accommodation? Does this card earn any reward points?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    9 June 2018
    Hi Rose, I found this PDF on the Bankwest website that provides full details on the overseas travel insurance that comes with the Breeze Platinum. https://www.bankwest.com.au/library/pdf/PDS_20060801-154923.pdf. Checking eligibility - 28-29, there are a few points but the main one is that you spend at least $500 on prepaid travel expenses. There are no rewards points program on the Breeze Platinum that I am aware. You would need to change to a more rewards focused card.
Dave Hill

Dave Hill

22 January 2018
More info on travel insurance.
Barbara

Barbara

5 January 2018
Hi Roland. I notice you mention there is no annual fee, however the information above your chat section says the annual fee is $99. Would you please clarify this?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    8 January 2018
    Hi Barbara, offers do change regularly. Sometimes there are annual fee waivers. The current annual fee on this card is $99.
boody jay walker

boody jay walker

21 December 2017
how can i aply for Bankwest Breeze Platinum Credit Card

Similar Credit Cards

ANZ Low Rate Credit Card

ANZ Low Rate Credit Card

57 reviews
More info
$0 saved over 15 months
Your savings
$ saved over 15 months
Calculate your savings icon
NAB Low Rate Credit Card

NAB Low Rate Credit Card

27 reviews
More info
$0 saved over 6 months
Your savings
$ saved over 6 months
Calculate your savings icon
Help us improve

By submitting this feedback you agree to our privacy policy.

My credit card is not listed

By submitting this form you agree to our privacy policy.