Bankwest
Bankwest Breeze Platinum Mastercard
Bankwest · cred and chrg cards
Provider last updated this product 2026-09-30.
Go to provider
You'll complete your application on
Bankwest's website. Confirm the rate and fees with them
before applying.
A credit card with our lowest ongoing rate.
Lending rates
| Type | Rate | Comparison | Purpose | Repayment | Fixed term | Applies to | Interest |
|---|---|---|---|---|---|---|---|
| PURCHASE | 12.99% | - | UNCONSTRAINED | UNCONSTRAINED | - | - | calculated daily, paid monthly |
| The rate you'll pay on purchases if you're not eligible for an interest free period. | |||||||
| CASH ADVANCE | 21.99% | - | UNCONSTRAINED | UNCONSTRAINED | - | - | calculated daily, paid monthly |
| The rate you'll pay on any cash advances, including when you withdraw cash | |||||||
| BALANCE TRANSFER | 12.99% | - | UNCONSTRAINED | UNCONSTRAINED | - | - | calculated daily, paid monthly |
| The rate you'll pay on balance transfers after any introductory period. | |||||||
| INTRODUCTORY | 0.00% | - | UNCONSTRAINED | UNCONSTRAINED | 24 months | 1 - 24 months | calculated daily, paid monthly |
| 0% p.a. for 24 months on balance transfers after your Card is approved. After the intro period, the ongoing balance transfer rate applies. Limited time for new Breeze Mastercard customers only. Minimum balance transfer amount is $500 and a balance transfer request will only be processed up to 95% of your approved credit limit. Only non-Bankwest branded credit cards can be balance transferred to Bankwest Mastercard credit cards. Other fees and T&Cs apply. Only available to new Bankwest Breeze Mastercard customers. Excludes product transfers from existing Bankwest credit cards. | |||||||
Fees
| Fee | Type | Amount | Details |
|---|---|---|---|
| Cash Advance Fee | CASH_ADVANCE | 3.00% | 3% of transaction amount or $4 (whichever is greater). Payable for transactions that the annual cash advance percentage rate applies to. |
| Foreign Transaction Fee | TRANSACTION | 0.00% | Foreign transactions are transaction occurring outside of Australia whether in foreign currency or Australian dollars including if you are in Australia (for example, online) where the merchant or the financial institution or entity processing the transaction is located overseas. |
| Late Payment Administration Fee | LATE_PAYMENT | $25 | Payable for each statement period that the minimum payment is not processed to your card account by the due date. This includes any amount shown on your card account statement as amount due immediately"." |
| Dishonour Fee | DISHONOUR | $0 | Payable each time a periodical payment or a cheque deposit to your Card Account is dishonoured. |
| Paper Statement Fee | PERIODIC | $1.25 | Payable for each paper Card Account Statement sent to you. Fee is waived if opted-in to e-statements. |
| Over the Limit Fee | EVENT | $10 | Payable for each statement period that you exceed your credit limit. This fee only applies to accounts opened and activated before July 2012, where over limit consent has been provided. |
| Annual Fee | PERIODIC | $59 | Payable when the Card Account is opened and in advance on each anniversary of Card Account opening. |
| Balance Transfer Fee | EVENT | 3.00% | Charged as a % of the total balance transfer transaction amount. Payable for each transaction that the introductory balance transfer percentage rate applies to. |
| Customer Trace Fee | EVENT | $10 | Payable each time we have to locate you during the period that you're in default under the card contract. |
| Credit Card Replacement Fee | REPLACEMENT | $25 | Payable on reissue of a lost credit card over the entitled two free reissues per Card Account per calendar year. This fee does not apply to stolen cards when Bankwest is advised of the police report identification number. |
Rate history
The figures behind this chart
| From | Until | Rate |
|---|---|---|
| 2026-08-09 | 2026-09-30 (current) | 0.00% |
Published figures as captured daily since 2026-08-09. A step is the day the provider's published figure changed; days without a published figure carry the last published value.
Features
- You can bank over the phone.
- No foreign transaction fees or overseas ATM fees apply.
Instalment plan
- Instalments - 4 monthly instalments
- Purchase size - $100 to $10,000
- Plans at once - up to 5
Who can apply
- min age - 18Customers must be 18 years or older.
- natural personCustomers must be an individual.
- otherCustomers must meet Bankwest's credit assessment criteria, which includes demonstrating the capacity to service the credit facility.
- residency status - Australian citizen or Australian permanent residentCustomers must be living in Australia as an Australian citizen or Australian permanent resident (exceptions may apply)
Limits
- min limit - 6000.00Minimum credit limit $6000.
The provider's own documents
Published by the provider under the Consumer Data Right. These are their documents, not ours - they are the authority on this product.
Last updated by data holder: 2026-09-30T23:26:43.000Z · Product ID: 9ce7236b194f4294b5cf84452e9025c2