Bankwest Breeze Platinum Mastercard

0% p.a. for 13 months then 12.99% p.a.

0% p.a. for 13 months and then 12.99% p.a. (2.00% balance transfer fee)

$99

Bankwest Breeze Platinum Mastercard Review

Rates and fees information correct as at 16 July 2018.

Review published: 5 April 2013

What's hot:

  • No foreign exchange fees on international purchases

  • 0% purchase rate for first 13 months (12.99% p.a. after)

  • 0% balance transfer offer for 13 months (2% fee)

  • Multiple Mozo Experts Choice Award winner 2018

What's not:

  • $25 late payment fee

Mozo snapshot:

The Bankwest Breeze Platinum Mastercard ticks all the right boxes for a top credit card - an interest free introductory period, low 12.99% ongoing interest rate, minimal fees and insurance features, such as travel insurance, that will actually save cardholders money. Add in no foreign exchange fees on online or international purchases as well as price guarantee insurance, and it’s hard to find a better deal on the market. In fact, it was awarded three Mozo Experts Choice Awards in 2018 for Best Value Travel Credit Card, Best Value Platinum Travel Credit Card and Best Low Rate Platinum Credit Card, as well as a 2017 award for Best Premium Balance Transfer Credit Card. 

Key features:

The Bankwest Breeze Platinum Mastercard has 13 months interest free up front, plus a low ongoing interest rate of 12.99%. Plus, enjoy an introductory rate of 0% p.a. on balance transfers for 13 months with a 2% balance transfer fee to help you pay off existing debt. There is a $99 annual fee on the card.

The Breeze Platinum Mastercard is one of the few credit cards in the market that doesn't charge foreign exchange 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.

You'll also get complimentary international travel insurance for you and the family if you use your card to purchase return tickets. Coverage includes unlimited medical, 6 month travel period, high $30,000 limit for loss, theft or damage and rental car excess.

Additional insurance coverage provided with Bankwest Breeze Platinum Mastercard is the relatively new 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 $500 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:

As long as you meet the eligibility requirements of the Platinum card, this is a great credit card to have in your wallet here at home and overseas. 

Any catches?

Remember to setup automatic monthly repayment reminders with Bankwest "Easy Alerts", as there's a $25 late payment fee.

How are Bankwest credit cards rated by the Mozo community?

Product Type Overall Rating Price Features Service Convenience Trust
7.7

Based on 298
Bankwest credit cards reviews

7.1 6.9 7.7 7.8 7.8

Read Bankwest credit card reviews by the Mozo community

Latest reviews of Bankwest Breeze Platinum Mastercard

Bankwest

Bankwest Breeze Platinum Mastercard credit card review

Overall rating   10 / 10

Excellent delivery and service

I have been satisfied on many occasions from when I walk in to the moment I walk out.

Full review

I have been satisfied on many occasions from when I walk in to the moment I walk out.

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Matthew (WA), reviewed over 1 year ago

Bankwest

Bankwest Breeze Platinum Mastercard credit card review

Overall rating   6 / 10

Interest rates too high but great customer service

Credit card interest rates are too high across the board. Customer service is excellent.

Full review

Credit card interest rates are too high across the board. Customer service is excellent.

    Price   5 / 10

    Features   5 / 10

    Customer service   9 / 10

    Convenience   7 / 10

    Trust   5 / 10

Less

Kaye (VIC), reviewed almost 3 years ago

Bankwest

Bankwest Breeze Platinum Mastercard credit card review

Overall rating   10 / 10

Good value credit card

Good benefits such as no foreign transaction fees and extended warranty on purchases.

Full review

Good benefits such as no foreign transaction fees and extended warranty on purchases.

    Price   9 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Shibaun (NSW), reviewed about 3 years ago

Bankwest

Bankwest Breeze Platinum Mastercard credit card review

Overall rating   8 / 10

Great 0% balance transfer

Transferred my ANZ credit card balance to Bank West when they were offering a 0% for 13 months last year. I have repaid it in full this week and saved myself around $1,500 in the process. Great service, very helpful when I called them.

Full review

Transferred my ANZ credit card balance to Bank West when they were offering a 0% for 13 months last year. I have repaid it in full this week and saved myself around $1,500 in the process. Great service, very helpful when I called them.

    Price   10 / 10

    Features   5 / 10

    Customer service   9 / 10

    Convenience   10 / 10

    Trust   8 / 10

Less

Jean yves (TAS), reviewed over 3 years ago

Bankwest

Bankwest Breeze Platinum Mastercard credit card review

Overall rating   7 / 10

Ok features for reasonable cost

No overseas transaction fees Free travel insurance Free personal concierge

Full review

No overseas transaction fees Free travel insurance Free personal concierge

    Price   5 / 10

    Features   7 / 10

    Customer service   6 / 10

    Convenience   9 / 10

    Trust   7 / 10

Less

Dave (NSW), reviewed over 3 years ago

Mozo may receive a payment from financial providers listed on the site. Customer reviews are in no way affected by any commercial relationships Mozo has with providers. Reviewers may receive a voucher from Mozo in exchange for their review. Vouchers are given to all reviewers who meet our review guidelines regardless of the sentiment of their reviews.

Rates

  • 12.99% p.a.

  • 0% p.a. for 13 months

  • 0% p.a. for 13 months and then 12.99% p.a. (2.00% balance transfer fee)

  • no

  • 21.99% p.a.

  • 55

Fees

  • $99.00

  • none

  • none

  • none

  • $25.00

  • 2%, Min $4.00

  • 0%

  • $7.50

  • $10.00

  • $0.00

Other financial bits

  • $20.00

  • 2.0

Features

  • 3

  • none

  • Concierge, Travel Insurance, Extended Warranty, Purchase Protection.

About Bankwest

Bankwest is the bank best known for Making Banking Easier, an initiative which aims to make banking a more positive experience. Originally from Western Australia, Bankwest has attracted thousands of customers around the country with its competitively priced products such as the Hero Saver. In late 2008 the bank was bought by the Commonwealth Bank, who have promised to retain the Bankwest brand. So if you like the sound of Making Banking Easier, check out Bankwest's range of personal banking products including savings accounts, bank accounts, credit cards, home loans and more.

**Saving based on the average difference in fees and charges over 3 years between the most competitive product Mozo can refer a consumer to and the average credit card product input by 6,863 consumers (average balance of $4,262 or balance transfer balance of $5,818, interest rate of 19.6% and annual fee of $36.50) who used the Mozo Credit Card Health Check tool between 1 January 2012 to July 2012.

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