Bankwest Breeze Platinum Mastercard
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CardIQ
Good
Overall score, out of 100 · How this works
- 55 days interest-free66
- Balance transfer71
- Low rate64
- No foreign fee80
- Travel56
Customer reviews
Based on 8 reviews
Reviewers kept coming back to customer service and the interest rate.
Quick service for balance transfer
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…
Earlier payment due dates, fewer rewards
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…
Market low interest rate
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…
Great for emergencies
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
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…
Best card for overseas purchases
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…
Better internet banking and customer service
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
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…
Pros & cons
What's good
- 24 months at 0% p.a. on balance transfers, longer than the 12-month median (3% transfer fee, reverts to 12.99% p.a.).
- The 12.99% p.a. purchase rate is among the lowest ongoing purchase rates (the median card charges 18.99% p.a.).
- The $59 annual fee is low: it undercuts the $70 median.
- Complimentary international travel insurance, purchase protection and extended warranty.
- No foreign transaction fee on overseas or online spending.
Worth noting
- Earns no rewards points on spending.
Card details
The basics
- Additional cardholder fee
- $0 p.a.
- Card tier
- Platinum
- Card type
- Mastercard
- Card use
- Personal
- Credit limit
- $6,000 – $100,000
- Credit rating
- Good
- Rewards program
- None
Eligibility
- Instant approval
- Yes (response in ~60 seconds)
- Joint application
- No
- Minimum age
- 18 years old
- Minimum income
- $35,000 p.a.
- Residency
- Australian citizen or permanent resident
- Temporary residents
- Not eligible
Rates & fees
Ongoing interest rates
- Cash advances
- 21.99% p.a.
- Purchases
- 12.99% p.a.
Fees
- Additional cardholder fee
- $0
- Annual fee
- $59 p.a.
- Cash advance fee
- 3% of the amount
- Foreign transaction fee
- 0%
- Late payment fee
- $25
Repayments
- Interest-free period
- Up to 55 days on purchases
- Minimum repayment
- 2% of the closing balance or $20, whichever is greater
Balance transfers
- Can't transfer from
- Bankwest, Commonwealth Bank
- Limit
- Up to your available credit limit
- Period
- 24 months
- Promotional rate
- 0% p.a.
- Revert rate
- 12.99% p.a.
- Transfer fee
- 3%
While you carry a transferred balance you may not receive interest-free days on new purchases.
Introductory purchase offer
This card has no introductory purchase rate offer. If you're carrying a balance or planning a big spend, compare 0% purchase cards.
Rewards
This card doesn't earn rewards points. It focuses on a low cost of ownership instead. If earning points matters to you, compare frequent flyer cards and rewards cards.
Complimentary insurance
Cover has conditions and exclusions, which are set out in the issuer's PDS. A missing row means we haven't captured that figure, not that the cover is absent.
Overseas travel
- Activation
- Prepay part of the trip on the card
- Age limit
- 79 years
- Cover limit
- Unlimited
- Excess
- $250
- Maximum trip length
- 31 days
- Not covered
- Pre-existing conditions, unless the insurer agrees in writing
Purchase protection
- Activation
- Pay for the item with the card
- Annual limit
- $125,000
- Excess
- $250
- Not covered
- Cash, consumables and animals
- Voids cover
- Leaving the item unattended in a public place
- What it pays
- Theft, loss and accidental damage
Extended warranty
- Activation
- Pay with the card for an item under manufacturer's warranty
- Annual limit
- $30,000
- Excess
- $250
- Not covered
- Anything the manufacturer's warranty already excluded
- What it pays
- Mechanical failure once that warranty ends
Where this card sits vs similar cards
Compared with every other personal credit card we list that has the feature. The further right the dot, the better this card does.
Data as at August 2026. Rates change often, so check the issuer's terms. Factual information, not a recommendation.
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Browse by card type
Compare the Bankwest Breeze Platinum Mastercard against every other card in its category.
Questions and answers
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Sources
- Credit Card Compare
- Australian credit card statisticsHow CardIQ scores cards
- Issuer
- Bankwest