Bankwest Breeze Platinum Mastercard

Mozo snapshot:

The Bankwest Breeze Platinum Mastercard ticks all the right boxes for an everyday spender, with a 12.99% p.a. ongoing interest rate and minimal fees. Add in no foreign transaction fees on online or international purchases as well as complimentary overseas travel insurance, and this one really is an all rounder. 

In fact, not only was Bankwest named 2019 Travel Credit Card Provider of the Year, the Breeze Platinum Mastercard was awarded three Mozo Experts Choice Awards in 2019 for best Travel Credit Card, best Platinum Travel Credit Card and best Low Rate Travel Credit Card. It also took out a 2019 Mozo Experts Choice Credit Card Award for best Low Rate Platinum Credit Card. 

Key features:

The Bankwest Breeze Platinum Mastercard comes with a low ongoing purchase rate of 12.99% p.a. for everyday spending, plus a $49 annual fee in the first year ($99 each year after that) to keep your budget looking healthy. You can also use this card to pay via Google Pay and Bankwest's Mozo Experts Choice winning payment ring, the Bankwest Halo.

If you're looking to rid yourself of a niggling credit card balance, there's 0% p.a. on balance transfers for 26 months on offer (2% BT fee applies), to help you get back on track. Just keep in mind, you won't be able to take up this balance transfer offer if you're shifting a balance from another Bankwest card.

So what makes this a platinum piece of plastic? Well, for starters, the Breeze Platinum Mastercard is one of the few credit cards in the market that doesn't charge foreign transaction fees on purchases so you can put those savings towards more shopping or holiday fun. Many cards charge around 3% fees on foreign exchange purchases, so over a 10 day overseas holiday this can add up to several hundreds of dollars in savings. Last but not least, you can also get complimentary international travel insurance for you and the family.

Additional insurance coverage provided with Bankwest Breeze Platinum Mastercard is the purchase price guarantee insurance. If you buy an item on your card and within 21 days you see it advertised cheaper you can claim the difference. There must be a $75 or more difference in price and the maximum claim is $1,000 but one to definitely remember around sale time.

Other standard insurance coverage includes 3 month purchase security cover, up to 12 month extended warranty and interstate flight inconvenience insurance.

Who it's good for:

The Bankwest Breeze Platinum Mastercard is a good pick for travellers, since there's no foreign transaction fees to worry about, plus free travel insurance. And if you're travelling on a budget, having no annual fee in the first year and a super low purchase rate are also big benefits, at home and abroad, though keep an eye on the higher cash advance rate.