Bankwest Breeze Platinum Mastercard | Reviewed

Bankwest Breeze Platinum Mastercard

Card features
purchase rate
annual fee
min credit limit
Bankwest Breeze Platinum Mastercard
A low-interest rate of 12.99% p.a. on purchases.
0% p.a. for 26 months on balance transfers with a 2% BT fee (Reverts to 12.99% thereafter).
Discounted annual fee of $49 for the first year ($99 p.a. thereafter).
New customers. Limited time. Fees & charges, T&Cs apply.
Add to comparison
12.99% p.a.
1st year
then $99

Pros & cons

What's good?

What's not so good?

A low-interest rate of 12.99% p.a. on purchases.
0% p.a. for 26 months on balance transfers with a 2% BT fee (Reverts to 12.99% thereafter).
Discounted annual fee of $49 for the first year ($99 p.a. thereafter).
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.

New customers. Limited time. Fees & charges, T&Cs apply.
A cash advance fee will apply to any withdrawals made through an ATM overseas or in Australia. A withdrawal fee of $4 applies if after the transaction, your Credit Card Account has a credit (positive) balance. If before the transaction, your Credit Card Account has a debit (negative) balance, the greater of $4 or 2% of the transaction amount will apply and if before the transaction, your card account has a credit (positive) balance, but the final balance after the transaction is in debit (negative), the greater of 4% or 2% if the amount in debit.

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.

Our review

Our review of the Bankwest Breeze Platinum MastercardReviewed by Yvonne Taylor

For only $20 more per year than the standard Breeze Mastercard, you can have the Bankwest Breeze Platinum Mastercard. You’ll get the same zero-interest introductory offer on balance transfers and the same low ongoing interest rate on purchases, but that extra $20 on the annual fee will buy you a whole lot of valuable insurance cover. And you’ll probably recover more than the $20 by saving on foreign transaction fees. In short, you’ll get platinum benefits at a lower than expected price.

0% for 26 months on balance transfers

You can transfer a balance from your existing non-Bankwest card or cards, and pay no interest on the balance for 26 months with a 2% balance transfer fee. A 26-month balance transfer at 0% may help you save if you are currently paying around 20% p.a. on overdue debt on your existing card.

More to that, you can even take advantage of the interest-free days on purchases – up to 55 days each month – while the transferred balance remains on your account. It would be a good idea to use cash for your purchases, or another card while repaying your transferred balance until it is fully repaid.

Even the revert rate is low, for a credit card

When applying for a balance transfer it’s always best to plan to repay the balance before the end of the promotional period, in order to avoid the revert interest rate – the interest rate that will be applied to any balance remaining when the offer has expired.

In many cases, a card’s high cash advance interest rate will be used as the revert rate, but with this card Bankwest have chosen to use the much lower ongoing purchase interest rate, instead of the punitive cash advance rate of 21.99% p.a. This will be welcome news to anyone not absolutely certain that they will have the capacity to repay their transferred balance within 26 months.

Low 12.99% p.a. purchases interest rate

The interest rate on any purchase balance not fully repaid each month is also a low 12.99% p.a. While this is higher than most personal loan interest rates, it’s definitely very low for a credit card.

55 days interest-free

The interest charges on purchases can be completely avoided by taking full advantage of the up to 55 days interest-free allowed for purchase transactions and then repaying the balance in full by the payment due date. At up to 55 days, the interest-free period is more generous than that allowed by some 44-day cards.

Even if you do take up the balance transfer option, you will still be eligible to avail the interest-free days on purchases. You’ll just need to pay the closing balance owing on your statement, excluding any balance transfer amount, by the payment due date to qualify.

$6,000 minimum credit limit

The $6,000 minimum credit limit is not suitable for anyone who wishes to avoid the temptation to run up a credit card bill they would struggle to repay. If you need a lower limit, apply for the non-platinum Bankwest Breeze Mastercard instead. It has fewer benefits and a lower fee, and a low minimum credit limit of $1,000.

High late payment fee

The $25 fee imposed if you are late with your monthly repayment is seriously unpleasant. It can be avoided by always making at least the 2% monthly repayment required, on or before the due date.

This is not the highest of credit card monthly repayment fees, but it’s higher than that charged by any of the Big Four banks.

Lots of complimentary insurance cover

Platinum cardholders expect platinum insurance cover, and this card will not disappoint. It has the full suite of complimentary policies, including:

  • Overseas travel insurance: annual multi-trip cover for journeys up to six months long
  • Interstate flight inconvenience insurance: covers flight and luggage delays, personal items loss or damage and unavoidable travel cancellation, for domestic trips of up to 14 days
  • Transit accident insurance for overseas travel: providing cash compensation for serious injury sustained on public and commercial transport
  • Extended warranty insurance: doubles the manufacturer’s Australian warranty, up to a maximum of 12 additional months
  • Purchase protection insurance: three months’ cover against loss, theft or accidental damage, for major personal items purchased
  • Price guarantee insurance: refunds a price difference of between $75 and $1,000 if you see your recently-purchased item advertised for sale at a lower price, located at a store within 25 km of the original purchase store (excluding online purchases)

In order to be covered by these policies, you must use your Bankwest Breeze Platinum Mastercard to purchase the items concerned. In the case of the interstate flight inconvenience insurance, this means the return airfares, and for overseas travel insurance, it means at least $500 of the trip’s prepaid expenses for each person to be insured. Exclusions, limitations and eligibility criteria apply.

No foreign transaction charges

There’s some really good news for anyone travelling overseas or making online purchases from a merchant not located in Australia. All your purchases will be absolutely free of foreign transaction charges and currency conversion fees. Other cards can charge a fee of up to 3.5% on these transactions.

Digital capabilities

The card can be used with Apple Pay and Google Pay™, to turn your smartphone into a digital wallet and payment tool. And you don’t need to wait for your new card to arrive in the mail, since you can activate it as soon as it is approved, via Bankwest’s mobile banking app.

Annual fee lower than expected and 50% discount in the first year

It all adds up to a tidy platinum package: all these benefits for a very reasonable annual fee of $99, only $20 more than the Bankwest Breeze Mastercard (which has no insurance cover and no freedom from overseas transaction fees).

And there’s even better news. In the first year, you’ll get a $50 discount, making it cheaper to try the card out for size.

Compare other platinum cards before you decide

One of the reasons for the lower than anticipated annual fee is the absence of rewards points with this card. Many applicants for a platinum card will expect rewards points on their purchases.

But there are lots of different types of platinum cards available in Australia. If the card discussed here doesn’t exactly meet your needs, take a look at other platinum cards listed on our Platinum Credit Cards page. (Click ‘Features’ at top right, then ‘All features’. Scroll down to ‘Rewards Credit Cards’ and choose ‘Platinum Credit Cards’.)

A card for the savvy traveller

There’s no doubt that this is a card for the reasonably regular traveller with a shrewd eye for economy. The travel insurance and no foreign transaction fees on online and overseas purchases can add up to substantial savings.

Back home, it will also appeal to anyone likely to make major retail purchases, with the potential to be covered by the extended warranty, purchase protection and price guarantee policies, as well as fee savings on online overseas purchases.

Disclaimer: 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 transfers0% p.a.26 months2%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 transfers0% p.a.26 months2%Up to 95% of credit limit 12.99% p.a.
PurchasesN/AN/AN/AN/A N/A

Ongoing interest rates

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


Annual fee
$49 p.a.
Annual fee 2nd year
$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.

Similar cards

More cards like this one

This card is listed in these comparisons

Protect your identity. Monitor your credit score for free.

Join more than 17,000 Australians and get your score today.
  1. Protect yourself from identity fraud
    Get alerted to large credit score drops.
  2. Know where you stand
    The banks know your score. Shouldn’t you too?
  3. Avoid a nasty surprise
    Before applying, check if your credit is good enough.
  4. Always with you
    Check online or download the app.
People are happy
Rated 4.8 out of 5 for customer satisfaction.
You may have seen us in
Compare these cards: