Bankwest Breeze Platinum MasterCard

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 6 months (reverts to 10.99% 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 4.99% p.a. for 9 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.

With the Bankwest Breeze Platinum MasterCard you get:

Interest Rates, Fees & Charges

Balance Transfer Rate		4.99% p.a. for 9 months
Interest Rate on Purchases		0% p.a. for 6 months (reverts to 10.99% p.a.)
Annual Fee		$99
Interest Free Period		up to 55 days
Cash Advance Rate		21.99% p.a.
Card Type		Platinum
Credit Card Type		MasterCard
Rewards Program		No
Additional Cardholder Fee		$0 p.a.

The real draw card of this offer is having a rewards credit card at your peril for a zero dollar annual fee. But having said this, there are plenty of other features to have you salivate at the sheer thought of them:

• Guaranteed low interest rate credit card
• 0% p.a. for 6 months (reverts to 10.99% p.a.) on purchases. Australia’s lowest MasterCard purchase rate
• 4.99% p.a. for 9 months on balance transfers
• Complimentary international travel insurance
• 24/7 concierge service
• $99 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.

Did you know that with this card you’ll be getting Australia’s lowest 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.