Bankwest Breeze Platinum Mastercard

12.99% p.a.

0% p.a. for 26 months and then 12.99% p.a. (2.00% balance transfer fee)

$99 $49 in the first year

n/a

Bankwest Breeze Platinum Mastercard

12.99% p.a.

0% p.a. for 26 months and then 12.99% p.a. (2.00% balance transfer fee)

$99 $49 in the first year

n/a

Mozo Review   Bankwest Breeze Platinum Mastercard Review

Last updated: 13 December 2019.

What's hot:
  • Ongoing 12.99% p.a. purchase rate

  • Complimentary overseas travel insurance

  • Multiple 2019 Mozo Experts Choice Award winner

What's not:
  • $99 annual fee after the first year

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.

Any catches?

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

Details

Rates and fees information correct as at 15 December 2019 Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 12.99% p.a.

  • none

  • 0% p.a. for 26 months and then 12.99% p.a. (2.00% balance transfer fee)

  • no

  • 21.99% p.a.

  • 55

Fees
  • $99.00

  • $49 in the first 1 year

  • none

  • none

  • $25.00

  • 2%, Min $4.00

  • 0%

  • $7.50

  • $0.00

  • $0.00

Features
  • $20.00

  • 2.0

  • 3

  • none

Payment options

Apple Pay, Google Pay, Payment Ring

Rewards privileges

Travel Insurance,
Extended Warranty,
Purchase Protection

Customer Reviews

How are Bankwest credit cards rated by the Mozo community?

Overall customer rating
7.4/10
Price
6.9/10
Features
6.2/10
Customer service
7.4/10
Convenience
7.5/10
Trust
7.4/10

Latest reviews of Bankwest Breeze Platinum Mastercard

  • Overall
    5/10
    Needs lower interest rates.

    Easy to access but fees are still too high.

    Easy to access but fees are still too high.

    Price
    5/10
    Features
    5/10
    Customer service
    5/10
    Convenience
    10/10
    Trust
    4/10

    Leanne | Western Australia

    reviewed 25 days ago

  • Overall
    5/10
    Not happy

    Not happy with my bank.

    Not happy with my bank.

    Price
    -1/10
    Features
    -1/10
    Customer service
    7/10
    Convenience
    7/10
    Trust
    7/10

    Cathryn | Western Australia

    reviewed about 1 year ago

  • Overall
    10/10
    Excellent delivery and service

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

    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

    Matthew | Western Australia

    reviewed about 3 years ago

  • Overall
    6/10
    Interest rates too high but great customer service

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

    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

    Kaye | Victoria

    reviewed about 4 years ago

  • Overall
    10/10
    Good value credit card

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

    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

    Shibaun | New South Wales

    reviewed over 4 years ago

Bankwest

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.

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