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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.
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 | |
| International travel insurance | yes - up to months |
| Flight inconvenience insurance | No |
| Transit accident insurance | No |
| Smartphone screen insurance | No |
| Purchase protection insurance | Yes |
| Extended warranty insurance | Yes |
| Rental Vehicle Excess In Australia Insurance | No |
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
Bankwest Breeze Platinum Credit CardAll 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 cardPurchase rate 9.90% p.a.
Cash advance rate 21.99% p.a.
Interest free on purchases up to 55 days
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
Minimum credit limt $6,000
Maximum credit limit $25,000
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
International Travel Insurance Yes
Flight Inconvenience Insurance No
Transit Accident Insurance No
Smartphone Screen Insurance No
Purchase Protection Insurance Yes
Extended Warranty Insurance Yes
Rental Vehicle Excess In Australia Insurance No
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.
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 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.
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