Bankwest Breeze Platinum Mastercard | Reviewed

Bankwest Breeze Platinum Mastercard

Card features
balance transfer
purchase rate
annual fee
Bankwest Breeze Platinum Mastercard
0% p.a. on purchases up to 15 months (reverts to 12.99% thereafter).
2.99% p.a. for 9 months on balance transfers with no BT fee (reverts to 12.99% thereafter).
Low annual fee of $99 p.a.
Limited time only. Fees, T&Cs apply. New Breeze Platinum Mastercard customers only.
Add to comparison
9 months
2.99% p.a.
then 12.99%
with a 0% fee
15 months
0% p.a.
then 12.99%

Pros & cons

What's good?

What's not so good?

0% p.a. on purchases up to 15 months (reverts to 12.99% thereafter).
2.99% p.a. for 9 months on balance transfers with no BT fee (reverts to 12.99% thereafter).
Low annual fee of $99 p.a.
No foreign transaction fees on online and overseas purchases.
Feel secure with the complimentary Overseas travel insurance.
Free worldwide emergency card replacement if you ever need it.
Add up to 3 additional cardholders for free.
Enable for Apple Pay or Google Pay™
Now available on digital card using the Bankwest App.
A cash advance rate of 21.99% p.a.

Introductory rate on purchases and balance transfers available to new Bankwest Breeze Mastercard customers who apply from 24 June 2020 until the promotion ends, and are approved. Excludes product transfers from existing Bankwest credit cards. Introductory rate excludes cash advances. Applies from the date the card is opened, regardless of when any balance transfer or purchase is processed by us. After the intro period, the interest rate on any outstanding transferred balance or purchase will be charged at the ongoing rate for purchases and balance transfers, currently 12.99% p.a., as outlined in your credit card schedule. Minimum balance transfer amount is $500. A balance transfer request will only be processed up to 95% of your approved credit limit. Only non-Bankwest-branded credit cards can be balance transferred to Bankwest Mastercard credit cards.

Disclaimer (2): Reviews rely upon third party information that may not be correct or may be changed without Credit Card Compare’s knowledge. You must carefully consider your own circumstances before making any commitments and confirm all offers and terms with credit card providers before accepting them. Please refer to our T&Cs for more.

User reviews

4.1 out of 5.0 based on 8 reviews88% of reviewers would recommend this card

Rates and fees
Customer service

Reviews from users

Quick service for balance transfer

Reviewed and recommended by Sandra on 15 Oct 2016

I obtained this card though a balance transfer from another card. I received excellent service and they were very quick to transfer funds to pay off my existing card — within three days. There’s always minimal delay in customer service and minimal wait time on the phone, which is really frustrating with other banks, etc.

The yearly fee is one of the lowest on the market, from what I’ve researched.

Earlier payment due dates, fewer rewards

Reviewed and not recommended by Sarah on 30 Sep 2016

What started out to be a great credit card is slowly starting to turn into a nightmare. Our due dates for payments are becoming earlier and earlier, to the point where it now skips a pay cycle for me, which is making it harder to pay off.

Not only this, but rewards that used to be great are getting more and more expensive, requiring larger amounts of points to be accrued for smaller benefits.

I would definitely steer clear of this credit card and we are definitely considering a new one soon.

Market low interest rate

Reviewed and recommended by Michael on 21 Sep 2016

Switched to this card to reduce my repayments. It saved me a lot of money with 8.99% interest rate instead of the standard 22%.

Unfortunately no rewards are offered, so not ideal for customers who pay off their credit cards on time every month. Would recommend for people struggling with paying off debt.

Great for emergencies

Reviewed and recommended by John on 16 Jul 2016

I got this card to pay out another credit card on no interest. I do like the bank but am considering going to a lesser card.

Reward points do not interest me. I just need it for emergencies. The only other thing that annoys me with credit cards is the interest rates.

Easy access

Reviewed and recommended by Ian on 04 Jul 2016

I love the ease of access, the website, the backup service, the customer helpline, online help, the ease of contacting them either in Australia or when traveling overseas, and especially the travel insurance as a benefit. I use the travel insurance on a regular basis and never have problems with claims.

Best card for overseas purchases

Reviewed and recommended by Rachel on 22 Jun 2016

There are no international transaction fees, which is excellent for someone who travels overseas regularly for business. The complimentary travel insurance on purchases is helpful when bringing home new purchases from overseas. I save interest by paying off purchases within the interest-free period. There is no annual fee or rewards program, but you have easy online banking experience and access to Commonwealth Bank ATMs.

Better internet banking and customer service

Reviewed and recommended by Mark on 05 Nov 2013

Was with Virgin but now I have all my cards together with Bankwest and the service is so much better to be able to access everything on the one Internet site. The customer service is also very helpful and they speak good English which is very helpful in this day and age.

A good, easy to manage, everyday card

Reviewed and recommended by Lawrence on 22 Oct 2013

This card is easy to use and has a reward scheme that offers cash back. I much prefer this and It is great to see money returned to my account. It is very easy to manage with a comprehensive and very user friendly website where you can quickly see all your accounts and transfer efficiently between accounts when necessary.

Disclaimer: The opinions expressed about credit cards are the reviewer's alone, and do not reflect the views of Credit Card Compare or the credit card issuer. Reviews have not been approved or otherwise endorsed by Credit Card Compare.

The basics

About this card

Card setup
Card tier
Card type
Card use
Credit rating
Gambling transactions allowed
Joint application
Minimum age
18 years old
Minimum income
Minimum income for pensioners
Same as standard
Rewards program
Temporary residents


Additional cardholders
Additional card fee
$0 p.a.

Credit limits

Minimum credit limit
Maximum credit limit


Interest charged from
Purchase date
Interest free period
Up to 55 days on purchases
Minimum repayment

Balance transfers

The offer

Interest ratePeriodFeeLimitRevert rate
Balance transfers2.99% p.a.9 months0%Up to 95% of credit limit12.99% p.a.

Balance transfers to this card

Balance transfer earns rewards
Balance transfer fee payment due
Balance transfer from personal loan
Balance transfer processing time
10 - 14 days
Interest free days with unpaid balance
55 days
Maximum balance transfer
Up to 95% of credit limit
Available to existing customers

Banks you can't balance transfer from

You can't balance transfer to the Bankwest Breeze Platinum Mastercard at the promotional balance transfer rate from:

  • Bankwest

Rates & fees

Promotional interest rates

Interest ratePeriodFeeLimitRevert rate
Balance transfers2.99% p.a.9 months0%Up to 95% of credit limit 12.99% p.a.
Purchases0% p.a.15 monthsN/AN/A 12.99% p.a.

Ongoing interest rates

Cash advances 1.83% 21.99% p.a.
Purchases 1.08% 12.99% p.a.


Annual fee
$99 p.a.
Cash advance fee
whichever is greater, $4 or 2%
Dishonour fee
Duplicate statement fee
Foreign exchange fee
Late payment fee
Over limit fee
Overseas ATM balance fee
Overseas ATM withdrawal fee
Overseas emergency card replacement fee
Transaction verification fee

Minimum criteria for this card

What you need before applying

Be over 18 years old
You are a resident or citizen of Australia
Earn a regular income of more than $35,000 per year
You have your personal details ready to complete the online application
Have not applied for multiple credit cards recently
Temporary residents are eligible
Age Pension is acceptable.
Joint applications are not allowed
Disability Pension, Overseas Pension, Veteran's Pension and Widower's Pension are not acceptable.
Income from pensions is not allowed
Disclaimer: The minimum criteria are intended only to be a guide. Your application may still be rejected by the bank even if you can answer 'Yes' to all the minimum criteria. The final decision regarding your application is up to the bank.

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People are happy
Rated 4.8 out of 5 for customer satisfaction.
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