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Bankwest Breeze Platinum Credit Card
Bankwest Breeze Platinum Credit Card

Bankwest Credit Cards

Bankwest Breeze Platinum Credit Card

Updated 4 December 2019

Bankwest Breeze Platinum Mastercard 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 overseas purchases and this offer is definitely worth considering. Comes with complimentary international travel insurance, purchase security cover and worldwide emergency card replacement.

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

  • No foreign transaction fees on online and overseas purchases
  • No annual fee the first year, $99 p.a. thereafter
  • 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
  • Complimentary overseas travel insurance
  • Up to 55 days interest free on purchases
  • Pay with your compatible device using Apple Pay & Google Pay™ or Australia’s first payment ring - Bankwest Halo

  • Cash advance rate of 21.99% p.a.

Creditcard.com.au review

Editor Review

Bankwest Breeze Platinum Credit Card

Roland Bleyer
Credit Card Expert with over 15 years card experience and the founder of Creditcard.com.au. 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 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 period 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

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 No

Extras

Pay with your compatible device using Apple Pay & Google Pay™ or Australia’s first payment ring - Bankwest Halo

Overview

Bankwest Breeze Platinum Credit Card

Key features

  • No foreign transaction fees on online and overseas purchases
  • $0 annual fee the first year. $99 annual fee thereafter
  • Low 9.90% p.a. on purchases
  • Up to 55 days interest free on purchases
  • 0% p.a. on balance transfers for the first 6 months. Reverts to 9.90% p.a. New customers only.
  • Complimentary overseas travel insurance
  • Pay with your compatible device using Apple Pay & Google Pay™ or Australia’s first payment ring - Bankwest Halo

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.

30 questions (showing the latest 10 Q&As)

Costas

Costas

27 October 2019
If my card has a 0% interest free period and I use it for purchases do I get 55 days interest free or does it start to accrue interest from day of purchase?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    28 October 2019
    If you have a 0% purchase offer active. Then the up 55 days does not apply until the 0% purchase offer expires. Some cards have a special 0% offer to try and get new customers. If you have 0% for 12 months on purchases. Then you will not pay interest on any purchase balance until post the 12 month period from approval.
Con

Con

27 October 2019
Hi on the Platinum Breeze card do you get 55 days interest free on purchases online as well as retail stores? What does it mean there is no interest free period after a balance is carried over?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    28 October 2019
    Hi Con, you get up to 55 days. The key is the up to. It depends when you make the purchase within your billing cycle. If its the 10th day, them you would get 45 days interest free. On all credit cards, if you don't pay off your balance in full during the previous billing cycle. Then you will get no interest free days on new purchases. So even if you had a $10 balance, this would trigger no interest free days. Make sure you pay off your card in full each month to ensure that you have access to the interest free days.
Josef Maciejewski

Josef Maciejewski

18 September 2019
Are transaction fees the same as conversion fees
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    19 September 2019
    Hi Josef, somewhat. This card does not charge on either. Most providers will charge the equivalent of the foreign fee if you make a purchase in AUD but from an overseas merchant. This is not a conversion fee but a foreign transaction fee.
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

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