Bankwest Breeze Platinum MasterCard
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The Bankwest Breeze Platinum MasterCard is an excellent low interest credit card with some great perks:
The Bankwest Breeze Platinum MasterCard offers you all the benefits of a premium Platinum credit card without the hefty price tag. Usually Platinum cards are fairly pricey for a good reason; they offer free travel insurance, purchase protection and rewards in most cases. The Bankwest Breeze Platinum MasterCard is a great credit card with about as little interest on purchases you can wish for from any card on the market – a smashing 0% p.a. for 4 months (reverts to 11.99% p.a.).
If you are looking for a credit card with heaps of useful features then this card will deliver on its sleek look. You’ll get one of the longest balance transfers in Australia and certainly the longest Bankwest has ever offered, a full 0% p.a. for 6 months.
This should give you ample time to pay back your Christmas goodies or any other large expense you intend to purchase within the next few months.
| Product Name | Bankwest Breeze Platinum MasterCard | |
|---|---|---|
| Balance Transfer Rate | 0% p.a. for 6 months | |
| Interest Rate on Purchases | 0% p.a. for 4 months (reverts to 11.99% p.a.) | |
| Annual Fee | $99 p.a. | |
| Interest Free Period | up to 55 days | |
| Interest Rate on Cash Advances | 21.99% p.a. | |
| Minimum 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.
|
$8,000 | |
| Minimum Monthly Repayment | 2% | |
| Credit Card Type | MasterCard | |
| Late Payment Fee | $25 | |
| Complimentary Travel Insurance | Yes | |
| Available to Temporary Residents | No | |
| Joint Application | No |
With the Bankwest Breeze Platinum MasterCard you get:
The Bankwest Breeze Platinum MasterCard comes with plenty of features to make you salivate:
- Guaranteed low interest rate credit card
- 0% p.a. for 4 months (reverts to 11.99% p.a.) on purchases.
- 0% p.a. for 6 months on balance transfers
- Foreign transaction fees are waived
- 24/7 concierge service
- $99 p.a. annual fee
- Extended manufacturer warranty – For every product purchased with this card the default manufacturer warranty is increased to cover one more year, at no extra cost.
- Complimentary purchase protection – Under this free insurance cover you are eligible to receive a refund/replacement for any product that is accidentally damaged, lost or stolen. The product must have been bought using the card, and the cover will extend for up to 90 days from the date of purchase.
- Complimentary travel insurance – Every time you travel with international flights booked and paid for under this card, you are automatically covered for emergency medical expenses abroad, as well as lost baggage claims and flight cancellations. For domestic flights there is no medical insurance.
- Personal concierge service – Cardholders get round the clock access to a concierge service, which can utilised for mundane tasks such as booking meetings, personal shopping etc.
Avoid foreign transaction fees
If you are a regular traveller or occasionally buy products online then this card may appeal to you. As a platinum card holder with Bankwest you can avoid the 0% fee associated with foreign transactions. This could save you hundreds in fees and charges if you are spending on a regular basis.
As you get up to 55 days interest free, if you manage to pay your balance back in this time frame, you are shopping overseas without fees. Not many other cards can offer you this benefit!
Did you know that with this card you’ll be getting a very low MasterCard purchase rate? Well, now you certainly do. If the great rate doesn’t make your heart flutter, then perhaps the complimentary travel insurance will.
Bankwest is a regional bank based in Perth, Western Australia. Part of the Commonwealth Group, they have a strong presence Australia wide. The Bankwest series of credit cards run the gamut from reward cards to the high-end platinum cards. The Bankwest Breeze Platinum MasterCard is a low interest card belonging to the ‘Lite’ series, but with additional platinum card benefits.
As with the Bankwest Breeze MasterCard, this card offers low interest rates on everyday purchases made with the credit card. The interest charged is slightly higher than the plain vanilla Lite card and is strictly not the best rate on offer from the market. But that is hardly unexpected as this card provides platinum features as well. An interesting point to note is that the special low interest rate is offered for a much longer promotional period than most other credit cards in the market.
Like its lesser sibling, this card does not feature any reward programs, and offers up to 55 days interest free on purchases made with the card. However, the interest free period does not apply if a balance transfer is ongoing.
Customers can also add up to 3 more cardholders to the same account for no extra fees. Overall the Bankwest Breeze Platinum MasterCard provides a good mix of low interest rates and platinum features in a credit card, all for a reasonable annual fee.
Read the Bankwest Breeze Platinum MasterCard terms and conditions.
| Minimum Income | $65,000 | |
|---|---|---|
| Minimum Age | 18 years of age | |
| Available to Temporary Residents | No | |
| Credit Rating Requirement | 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. | $8,000 |
| Annual Fee | $99 p.a. | |
|---|---|---|
| Minimum Repayment | 2% | |
| Late Payment Fee | $25 | |
| Over Limit Fee | $30 | |
| Overseas Emergency Replacement | $0 | |
| Overseas ATM Balance check | $0 | |
| Overseas ATM Withdrawal | $4 | |
| Foreign Currency Conversion Fee | 0% | |
| Gambling Transactions Allowed | No | |
| Additional Cardholder Fee | $0 | |
| Number of Additional Cardholders | 3 |
Pros
- A low purchase rate of interest and an extended balance transfer period are great tools for cutting back on fees and charges associated with credit card usage.
- This card comes with platinum features and is only a fraction more expensive than their standard product.
- No foreign exchange fees make this card an incredibly attractive offer for making purchases when travelling overseas, or when purchasing online from overseas websites.
Cons
- A platinum credit card with no rewards program is not one of this cards strongest selling points.
Read the Bankwest Breeze Platinum MasterCard terms and conditions.
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Hi I have a bankwest lite gold MasterCard can I balance transfer onto the platinum?
Thanks
Hi,
Unfortunately you can not perform a balance transfer between cards in the same financial institution. The balance transfer offer is used to get people to switch lenders. Thanks for the question.
Cheers,
Jeremy
Am I able to get credit card insurance to cover me for illness or involuntary job loss?
Hi,
Thanks for the question. Bankwest don’t offer complimentary income protection insurance covering things like illness or involuntary job loss. You will have to take out a cover specifically for these instances – Cheers.
Jeremy
I notice that the 0% interest for the first six months lasts until the end of June.
If i sign up for the card at the end of June, does that mean I am not eligible for the interest free period?
Hi Brendan,
This offer expires at the end of June. If you sign up before the end of the offer, you will have special interest charged for six months after your card is activated. Cheers.
Jeremy
Hi,
Does an additional cardholder have to be a permanent Australian resident / resident for tax purposes? Do they need to show any credit history in application?
Thanks.
Hi,
The primary card holder is responsible for the spending of the additional card holders, they do not have to provide their credit history. An additional card holder is defined as anyone who is 16 years or older and is nominated by you and authorised by Bankwest to operate your account alone. Bankwest may choose to not authorise an additional card holder who is not a permanent resident, but it does not explicitly say in the terms and conditions. Thanks for your question. Cheers.
Jeremy
I am going to be travelling overseas in March 2013 – can I have a higher credit limit on this card eg. $15,000 in case of emergencies while overseas?
Hi,
For information on increasing your credit limit, please refer to our guide on the topic (http://www.creditcardfinder.com.au/how-to-increase-your-credit-limit.html). Thanks for the question.
Cheers,
Jeremy
Hi,
Is the additional card holder covered under travel insurance if they purchase a ticket under their card?
Hi Jacob. Yes the additional cardholder will be covered if they’re travelling with the primary cardholder. Cheers.
what is the lowest annual income level
Hi Beatrice. Thanks for your question. Some cards have annual income requirements of $15,000 while others don’t list the minimum income requirement. If you have an income, you can still try and apply, you application may be declined, or you may be given a low credit limit, say $500. The cards listed on the low rate comparison page have the some of the lowest entry requirements out of the cards we compare, it’s a good place to start looking for a card. Please bear in mind that every time you apply for credit, a credit enquiry mark will be recorded on your credit file. If you have multiple enquiry marks on your credit file, it will impact your chances of obtaining credit in the future. Thanks.
If i balance transfer from existing account and then use new card for purchases/bill payments will I be able to access the 55 day interest free period on new transactions?
Hi Wilhelmina. If you have a balance transfer balance on your credit card, you won’t be eligible for any interest free days when you use your card to make a purchase. Thanks for your question.
Will I be given the complimentary travel insurance if I did not use theBankwest Platinum master card?.
Hi Manuel. Thanks for your question. In order to be eligible for the complimentary international travel insurance, you will need to purchase your prepaid travel expenses on your Bankwest Platinum MasterCard. Cheers.
What is the maximum limit on this card?
Hi Paul. Thanks for your question. There is no advertised maximum credit limit for this card, rather, a balance is assigned to applicants based on the financial information provided at the time of application. Cheers.
Does the interest free period (0% for 4 months) on purchases include purchases made while oversees?
Hi Karma. Thanks for your question. The interest free period on purchases includes all purchases made in Australia and overseas. Jacob.
Who does the complimentary travel insurance cover? Just the card holder, or their immediate family also?
Hi Kimberly. Thanks for your question. I’ve sent the policy document to your email for your consideration. According to the document, ‘This includes additional cardholders. If a family is travelling together, only one person can claim the benefits payable to the cardholder. The others can only claim as a spouse or dependent child.’ – So although children and partners are covered, the benefits are different. Please see page 26 for a list of benefits included in this insurance benefit. Jacob.