- 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.
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Bankwest Credit Cards
Bankwest Breeze Platinum Credit Card
Updated 1 December 2023
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
Pros and cons
- 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. Ask Pauline a Question about this card.
Who suits the CARD NAME 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
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)
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 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.
Ask a question71 questions (showing the latest 10 Q&As)
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
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.
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.
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.
What insurance cover do I have with my Platinum credit card when travelling to the USA? Thanks.
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.
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?
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.
im wanting to get advise on the best credit card to apply for
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.
product Inquiry
Hi Chris, please share more information about how I can help.
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
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!
I have just started a new job will 2 weeks of paychecks be enough to apply for this card?
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.
Hi, I am applying for the breeze credit card and the page is on Review and I cannot save and continue
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.
I need to apply for the Bankwest breeze platinum card
Hi Sheldon, unfortunately, at the moment, we’re not partnered with Bankwest but you can head over to their official website to apply.
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
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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S
4 November 2022The 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 cardCreditcard.com.au Visitor
28 January 2013All 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