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Breeze Platinum Mastercard



Electronic Wallet Service

Important Rates


Balance Transfer

Overseas spending



  • Free Domestic Travel Insurance
  • Free International Travel Insurance Cover lasts for 180 days per year
  • Free Supplementary Cards
  • Purchase Protection Covers up to $125,000 per year
  • Price Guarantee If you purchase personal goods in Australia and then find the same product advertised later in a printed catalogue at a cheaper price within 21 days of purchase, from a store within 25km of the store where the item was purchased, you can claim back the difference if it is more than $75 and less than $1000.
  • Extended Warranty Warranty is extended for the same duration as the original warranty up to 1 year.


The Bankwest Breeze Platinum Mastercard features a moderately low interest rate, a moderate annual fee and a moderate number of interest-free days. It also has a moderately high late payment fee and a moderate minimum credit limit.

This card comes with an introductory 0 per cent balance transfer deal (a balance transfer fee applies) for those wanting to consolidate debt to a single credit card.

Cardholders of the Bankwest Breeze Platinum Mastercard are covered by complimentary travel insurance, and no foreign transaction fees are charged for online or in-store overseas purchases.

There is no rewards program associated with this card, although customers have access to benefits at Perth Arena, including Bankwest Lounge access and discounts on food and beverages. Additionally, three supplementary cardholders (16 years and over) are allowed at no added cost.

  • Moderately low interest rate
  • No overseas transaction fees
  • Three free additional cardholders
  • Moderately high late payment fee
  • No rewards program
  • Annual fee charged

Who is it good for?

The Bankwest Breeze Platinum Mastercard is good for people who may not be able to clear their debt in full each month due to its moderately low interest rate. However, it’s worth noting that the interest rate isn’t the lowest on the market.

Those who want to carry over and pay off existing debt would also benefit from this card’s balance transfer deal. Additionally, families and people looking to share a credit card could take advantage of the allowance for up to three additional cardholders.

This card is also suitable for frequent travellers as no overseas transaction fees are charged for in-store or online international purchases. It doesn’t have a rewards program, though, so it wouldn’t be particularly useful for frequent flyer members or people wanting to earn points for spending.

What RateCity says

This card strikes a good balance between offering value for money and additional benefits. While the biggest drawcard for many low-rate credit cards is simply the low interest rate, this card also offers useful features like complimentary insurance and zero-fee international transactions.

The introductory balance transfer offer and free supplementary cards are also nice-to-have features.

However, the Bankwest Breeze Platinum Mastercard doesn’t offer anything in terms of rewards-earning potential – which is something to be considered if you spend a lot on your card and aren’t too concerned about interest rates. If that’s the case, you may be better off with a card that has a slightly higher interest rate but can earn you rewards for spending.

On the other hand, if you really want to cut down on costs, it could be worth shopping around to find a card that has a lower interest rate and lower fees. 


To be eligible for the Bankwest Breeze Platinum Mastercard, you must be at least 18 years of age, an Australian permanent resident and meet the bank’s serviceability criteria. Only one Bankwest Breeze Platinum Mastercard is allowed per customer. To apply, you will need to provide photo identification, employment details and financial information, including income, expenses and assets. You can apply online at the Bankwest website or at a branch if preferred.

About Bankwest

Bankwest, previously known as the Bank of Western Australia, is owned by Commonwealth Bank and based in Perth. It also has branches in Adelaide, Brisbane, Sydney, Melbourne and Canberra. The bank provides personal finance products such as credit cards, bank accounts, home loans, personal loans and car loans. Customer service is available through the bank’s phone support line, online forum, social media and the Bankwest Online Banking (BOB) messaging system.

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