Annual Fee
$59

Purchase Rate
12.99%

Intro Rate
0% p.a. for 24 months with 3% BT fee

Interest-Free Days
Up to 55

The Bankwest Breeze Platinum Mastercard is a low-rate card with worthwhile travel perks. While it doesn’t earn rewards, it offers complimentary travel insurance, no foreign transaction fees and a 0% balance transfer offer.

Fees, interest rates and other details

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Feature	Bankwest Breeze Platinum Mastercard
Annual fee	$59. No fee applies if you take the card out with the Complete Home Loan Package.
(Variable) purchase rate	12.99% per annum.
(Variable) cash advance rate	21.99% per annum.
Balance transfer rate	12.99% per annum (outside of promotions).
Minimum credit limit	$6,000.
Interest-free days on purchases	Up to 55 interest free days (if the statement balance is paid in full by the due date). Remember, interest free days do not apply to cash advances or balance transfers.
Additional cardholders	Up to three additional cardholders (must be at least 16 years old).
Card network	Mastercard.
Intro offer	0% p.a. for 24 months on balance transfers (3% or $4 balance transfer fee applies, whichever is greater).
Rewards program	None. This card does not earn rewards like frequent flyer points or cashback.
Included insurance	Complimentary travel insurance. Coverage includes: travel accident emergency medical and hospital expenses personal liability accidental death baggage and personal goods rental vehicle travel delay and interstate flight inconvenience insurance. 90-day purchase security insurance. Extended warranty coverage. Price guarantee insurance.
Benefits	No foreign transaction fees. Complimentary travel insurance. Up to 55 interest free days on purchases. Lower ongoing rate on purchases and balance transfers (12.99%). Access to Easy Instalments, an instalment service to help pay off large purchases over time.

Basic overview

The Bankwest Breeze Platinum Mastercard currently offers 0% interest on balance transfer for 24 months, which reverts to 12.99% after the promotional period has ended.

This gives new cardholders two years to pay down a transferred balance without racking up interest on the debt. After the promotion, the revert rate is significantly lower than the 21.44% average for balance transfers, according NerdWallet’s analysis of 100+ Australian credit cards.

While the card doesn’t earn rewards, it offers complimentary travel insurance and does not charge international transaction fees — making it a solid choice for those who spend a lot of money abroad or are looking to consolidate debt.

The $59 annual fee’s value:

The Bankwest Breeze Platinum Mastercard’s annual fee is $59. Over time, the benefits could potentially outweigh this fee, depending on usage.

Here’s how you could ‘cover’ the cost:

Balance transfers: If you transfer $6,000 from a card with a 21.99% interest rate, you could save roughly $1,200 in interest over the 24 months. (Estimate the savings yourself with MoneySmart’s calculator).
International transactions: If you spend a lot of money abroad and currently have a card that charges a 3% international transaction fee, and you spend at least $2,000 overseas annually, you could save $60 each year, which covers the annual fee.

Note: If you take out this card as part of Bankwest’s Complete Home Loan Package, no annual fee applies.

Promotional offer

The Bankwest Breeze Platinum Mastercard currently offers 0% interest on balance transfers for 24 months.

It’s important to note that a 3% balance transfer fee (or $4, whichever is greater) applies, and this fee is rolled into your transferred balance. So, moving $6,000 results in a new balance of $6,180 ($6,000 plus 3%).

The above offer was current at the time of writing and is subject to change.

Note: To retain the 0% interest rate on your balance transfer, you may be required to pay off all new charges made to the card, as well as any minimums, by the due date shown on your statement each month.

What’s the welcome offer worth?

If you have a $6,000 balance on a credit card with a 21.99% interest rate and transfer it to the Bankwest Breeze Platinum Mastercard:

you could save $1,200 in interest payments over the two years
you’d need to pay roughly $258 a month to clear the debt within the 24-month period.

This example relies on you paying off the balance in full in two years. To do this on the 21.99% interest rate card in the same time period, you’d need to pay roughly $315 every month.

In some cases, keeping the money on a higher-interest card may be the better option — but only if you know you can pay it off quickly.

For example:

Paying off the $6,000 in four months (on a 21.99% interest rate card) would cost a little over $100 in interest.
Transferring $6,000 to the Bankwest Breeze Platinum Mastercard would incur a $180 transfer fee — making it roughly $80 more expensive than simply paying off the balance in four months.

The above scenarios are hypothetical and use simplified calculations to show the possible savings. It doesn’t take into account late repayments, approved credit limits or other fees.

Mind the revert rate

If you have a credit card balance on a card with a higher interest rate, moving the balance to one with a lower interest could save you money — and give you time to pay down the balance. Remember that the new card’s standard interest rate applies once the promotional period ends. So, ideally, you want to pay off the debt during the promotional period. It’s also important to consider the new card’s standard rate versus the interest rate you are paying on your current card, especially where you may be unable to pay the balance transfer off within the lower interest rate period.

Bankwest Breeze Platinum Mastercard balance transfer rules

Before applying, it’s important to understand how balance transfers work at Bankwest.

Transfer limits: Up to 95% of your available credit limit (e.g., with a $10,000 limit, you can transfer up to $9,500, including the transfer fee).
Minimum transfer amount: $500.
Eligible cards: Only non-Bankwest-branded Australian credit cards, store cards or charge cards can be transferred.
Interest-free days: Up to 55 interest-free days on new purchases, but only if the closing balance (less any promotional or introductory offers) is paid in full.
Eligible customers: The introductory balance transfer rate is only available to new Bankwest Breeze Mastercard customers who apply after 1 August, 2024, and before the promotion ends.
Transfer fees: 3% or $4, whichever is greater.

Our take

The below pros and cons are based in part on NerdWallet’s editorial expertise and analysis of 100+ Australian credit cards.

Pros

0% p.a. for 24 months on balance transfers.
12.99% p.a. ongoing balance transfer and purchase interest rates — below average, according to data analysed by NerdWallet.
No foreign transaction fees on overseas purchases.
Complimentary travel insurance, purchase protection, and extended warranty coverage.

Cons

Does not earn rewards like frequent flyer miles or points.
3% balance transfer fee (or $4 minimum) applies.
Existing Bankwest Breeze customers cannot apply. Only one Breeze Mastercard per person.

Eligibility

Who may be eligible?

To apply for Bankwest Breeze Platinum Mastercard you need to:

be 18 years or over
be an Australian permanent resident
meet Bankwest’s credit assessment criteria
not be currently holding a Bankwest Breeze Mastercard.

Who might be suited to this card?

According to Bankwest’s Target Market Determination (TMD), the Breeze Platinum Mastercard is designed for customers who:

meet Bankwest’s credit assessment criteria (which includes demonstrating the capacity to make the required repayments without substantial hardship)
choose a credit limit typically above $6,000
will pay a higher annual fee (than some other Bankwest credit cards) if criteria are not met for a fee waiver.

NerdWallet encourages and recommends consumers to read Bankwest’s TMD before making a decision about their products.

Who might not be suited to this card?

According to Bankwest’s Target Market Determination (TMD), the Breeze Platinum Mastercard is not designed for customers who:

can only service a credit limit typically lower than $6,000
require access to Qantas Points or rewards points.

How to submit an application

To complete the credit card application online, you will need:

your current contact details
identification, such as passport or Australian driver’s license
financial information, such as income, expenses, assets and liabilities
employment details, including length of employment and employer’s contact details.

Customer satisfaction ratings

Note: Customer review websites can be insightful, but keep in mind that the reviews may not accurately reflect the average experience; for example, unhappy customers may be overrepresented in these reviews. Products also change over time, and reviews may reflect experiences with features and benefits that are no longer available. Nevertheless, these sites are just one way to learn more about the company and the products on offer before you make a decision.

As of this writing:

Based on less than 5 reviews on Product Review, Bankwest Breeze Platinum Mastercard scored 4.5 out of 5 stars.
Based on more than 75 reviews on Trustpilot, Bankwest scored 1.7 out of 5 stars.

NerdWallet does not endorse Trustpilot or Product Review scores and provides them for illustrative purposes only.

0% balance transfer introductory offer for 24 months
no international transaction fees
complimentary travel insurances.

$6,000 is the minimum credit limit for the Bankwest Breeze Platinum Mastercard.

Bankwest Breeze Platinum Mastercard: 2025 Overview

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