Bankwest Breeze Platinum MasterCard – Rates and Fees

Information verified correct on September 24th, 2016
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The Bankwest Breeze Platinum MasterCard lets you make transactions with less interest and boasts platinum card benefits. Get 8.99% p.a. on purchases, 2.99% p.a. on balance transfers and no annual fee for the first year. *Limited time only, fees and T&Cs apply.

The Bankwest Breeze Platinum MasterCard combines the features of a low rate credit card with platinum cardholder benefits, providing cardholders with an introductory balance transfer rate and platinum perks such as complimentary international travel insurance and no international transaction fees.

If you don’t qualify for the Bankwest Breeze Platinum MasterCard, you might be interested with the Bankwest Breeze Gold MasterCard or the Bankwest Breeze MasterCard.

Product NameBankwest Breeze Platinum MasterCard
Balance transfer rate (p.a.)2.99% p.a. for 9 months
Balance Transfer Revert Rate
The interest rate after the balance transfer ends.
Purchase Rate (8.99% p.a.)
Balance Transfer Limit95% of available credit limit
Purchase rate (p.a.)8.99% p.a.
Annual fee$0 p.a. annual fee for the first year ($99 p.a. thereafter)
Interest Free Period
The interest-free period on purchases is the period or number of days you do not have to pay interest on your card purchases. You will be charged interest either from the day you make a purchase or from the statement date, unless you pay the closing balance in full by the due date (or within the interest-free period) on your statement.
Up to 55 days on purchases
Cash advance rate (p.a.)21.99% p.a.
Min credit limit
This is the lowest credit card limit that you can request. It is possible to apply for a higher credit card limit but not a lower one than this figure.
$6,000
Minimum Monthly Repayment$20 or 2% of the closing balance, whichever is greater
Card TypeMasterCard
Late Payment Fee$25
Foreign Currency Conversion Fee (MC)0% of transaction value
Complimentary Travel InsuranceYes
Complimentary Travel Insurance Cover6 months
Available To Temporary ResidentsNo
Joint ApplicationNo
Minimum Age18 years of age
Available to Temporary ResidentsNo
Credit Rating Requirement
Credit rating requirement is provided only as a guide. Understanding your credit file helps you make more informed decisions in regards to your finances. Learn more about what this means here.
Good
Min Credit Limit
This is the lowest credit card limit that you can request. It is possible to apply for a higher credit card limit but not a lower one than this figure.
$6,000
Annual Fee$0 p.a. annual fee for the first year ($99 p.a. thereafter)
Minimum Repayment$20 or 2% of the closing balance, whichever is greater
Late Payment Fee$25
Over Limit Fee$30
Cash Advance FeeGreater of 2% or $4.00
Overseas Cash Advance FeeGreater of 2% or $4.00
Overseas Emergency Replacement$0
Overseas ATM Balance check$0
Overseas ATM Withdrawal Fee$0
Foreign Currency Conversion Fee (MC)0% of transaction value
Gambling Transactions AllowedNo
Additional Cardholder Fee$0 p.a.
Number of Additional Cardholders3
BPAYYes
ChequeYes
Direct DebitYes
Australia PostYes
Phone BankingYes
Internet Banking TransfersYes
In BranchYes
MailYes
Pros
  • Pay no annual fee in the first year ($99 p.a. thereafter).
  • This card comes with an introductory balance transfer rate of 2.99% p.a. for 9 months.
  • Receive a low ongoing interest rate of 8.99% p.a. on purchases.
  • This card comes with platinum features and is only a fraction more expensive than their standard product.
  • $0 foreign exchange fees make this card an incredibly attractive offer for making purchases when travelling overseas, or when purchasing online from overseas websites.
Cons
  • There is no rewards program linked to this platinum card.

Bankwest Breeze Platinum MasterCard review

The Bankwest Breeze Platinum MasterCard offers a low ongoing purchase rate of 8.99% p.a., a first year annual fee waiver plus a number of platinum perks including complimentary travel insurance, purchase security insurance and no international transaction fee.

Benefits of the Bankwest Breeze Platinum MasterCard

  • Low ongoing purchase rate. The card comes with a low ongoing interest rate of 8.99% p.a. on purchases.
  • First year annual fee waiver. The Bankwest Breeze Platinum MasterCard attracts a $0 annual fee for the first year ($99 p.a. thereafter).
  • Introductory balance transfer rate. New Bankwest customers who apply for a Bankwest Breeze Platinum MasterCard can receive a low introductory rate of 2.99% p.a. for 9 months on balance transfers. After the introductory period ends, the interest rate reverts to the standard purchase rate of 8.99% p.a.
  • Complimentary international travel insurance. You and your family are protected while you’re travelling overseas under the international travel insurance policy, which is a complimentary benefit for cardholders who purchase their return international travel ticket with the Bankwest Breeze Platinum MasterCard. Cover is automatically provided for a period of up to 6 months, and starts from the date of departure on your return ticket. You’re insured for overseas medical and dental expenses as well as a range of other events. Check the terms and conditions for further information about this complimentary benefit.
  • Purchase security insurance. Purchase security insurance is another complimentary benefit extended to Bankwest Breeze Platinum MasterCard account holders. The purchases you make with the account are protected against loss, theft and damage. The maximum amount you can claim in a year is $125,000. The purchased item must be considered a ‘personal item’ for the cover to apply.
  • No international transaction fee. The currency conversion fee/international transaction fee of 0% is usually payable for each transaction occurring outside Australia, whether in foreign currency or Australian dollars. This fee is waived if you have a Bankwest Breeze Platinum MasterCard account.
  • Free overseas ATM withdrawals. In addition to waiving the currency conversion fee for international purchases, Bankwest also waive the international ATM fee. Pay $0 for international ATM withdrawals (the local ATM operator fee still applies).

Features of the Bankwest Breeze Platinum MasterCard offer

  • Interest-free days. You can benefit from up to 55 days interest-free when you pay your account in full each statement period.
  • International transaction fee waived. The international transaction fee and international ATM fee is waived if you hold a Bankwest Breeze Platinum MasterCard.
  • Complimentary travel insurance. Benefit from complimentary international travel insurance when you pay for your return overseas travel ticket with your Bankwest Breeze Platinum MasterCard.
  • Purchase security. Purchase security cover gives up to 3 months protection against loss, damage or theft of an eligible item purchased with your Breeze Platinum account.
  • Additional cardholders. Get an additional card for a family member. Up to 3 supplementary cards can be issued for an annual fee of $0 each.
  • Free overseas replacement. If you’re overseas and you lose your Bankwest Breeze Platinum MasterCard or it’s stolen, Bankwest will arrange for a replacement card to be sent to you, wherever you are in the world — for free.
  • PayPass payment. MasterCard PayPass enabled. Tap your card against a contactless terminal for purchases under $100. There’s no need to enter your PIN.

How to apply for the Bankwest Breeze Platinum MasterCard

If you would like to apply for the ‘Bankwest Breeze Platinum MasterCard, you should read on to confirm your eligibility for the product and make sure you have the appropriate documentation on hand. You’ll be asked to accept the terms of the credit card contract before you can proceed to the first page of the application.

Eligibility criteria

      • Applicants must be over the age of 18.
      • Applicants must have a good credit rating.
      • Applicants must be a permanent Australian resident.

Required documents

      • Two of the following forms of identification: passport, driver’s licence, Medicare card or birth certificate
      • Your employer’s contact details and information about your employment
      • Information about your assets, income, liabilities and expenses
      • The application will take about fifteen minutes to complete, and once you hit submit, you should have a response from Bankwest about the status of your application within a few minutes.
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10 Responses to Bankwest Breeze Platinum MasterCard – Rates and Fees

  1. Default Gravatar
    judy | February 8, 2016

    Hi i am considering changing to the Bank West platinum visa card. Does your card allow for Qantas frequent flyer points and can i check what the annual fee is as well please.

    Thanks

    judy

    • Staff
      Jonathan | February 8, 2016

      Hi Judy, thanks for your inquiry!

      Unfortunately there is no current partnership with Qantas Frequent Flyers and Bankwest Breeze Platinum, the annual fee is $99 p.a. To compare Qantas Frequent Flyer credit cards and bonus points offers please refer to this page.

      Cheers,

      Jonathan

  2. Default Gravatar
    Jess | January 27, 2016

    Hi there,
    Does the interest rate stay at 12.99% for overseas purchases as well?

    • Staff
      Jonathan | January 28, 2016

      Hi Jess, thanks for your inquiry!

      That is correct. The interest rate for overseas purchases would also be 12.99% since there is 0% currency conversion fees with Bankwest Platinum cards.

      Cheers,

      Jonathan

  3. Default Gravatar
    Megan | January 19, 2016

    Hello, does your Interest Saved amount take into consideration the amount of the balance transfer fees?

    • Staff
      Ysa | January 20, 2016

      Hi Megan,

      Thanks for your question.

      Please note that you have come through finder.com.au, an online comparison service, and is not directly affiliated with Bankwest.
      However, we can confirm that the Bankwest Breeze Platinum card currently has a promotional balance transfer offer of 0% p.a. for 21 months (a balance transfer fee of 2% applies).

      I hope this helps.

      Cheers,
      Ysa

  4. Default Gravatar
    Leon | June 12, 2015

    I’m looking at your page “Bankwest Breeze Platinum MasterCard – Rates & Fees” – “Rates and Fees verified correct on June 11th, 2015″ – “Enjoy 0% p.a. interest on balance transfers for 15 months and no foreign transaction fees on online and overseas purchases.”

    There is no option to apply? Is there an error on the page or are the details incorrect and this card unavailable?

    • Staff
      sally.mcmullen@hiveempire.com | June 12, 2015

      Hi Leon,

      Thanks for your question.

      Just to confirm, you have come through to finder.com.au, not Bankwest.

      I’ve emailed you a link to the Bankwest page so you can apply directly through their site.

      I hope this has helped.

      Thanks,

      Sally

  5. Default Gravatar
    Glen | November 26, 2013

    What is the maximum credit limit, please?

    • Staff
      Jacob | November 26, 2013

      Hi Glen.

      The maximum credit limit on this card is set based on your financial situation. They will assess the information you provide to them during the application and provide a credit limit based on this.

      Thanks for your question.

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Rates last updated September 24th, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
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St.George Vertigo Visa
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HSBC Platinum Credit Card
Receive a full annual fee refund and save $149 if you meet the $6,000 spend requirement. Enjoy a balance transfer offer and platinum card benefits such as complimentary insurances and concierge services.
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