A credit card with a low ongoing rate that comes in handy if you don't pay off your balance each month. Bankwest is progressively closing its branches and expects all branches to be closed by the end of 2024. After the closure of branches, customers will no longer be able to access services which were available at branches. You can find the latest information, including proposed branch closure dates, your nearest face-to-face banking options as well as Frequently Asked Questions by visiting bankwest.com.au and searching for 'branch info'.
Category: Credit and Charge Cards Last Updated October 14, 2024 Effective November 1, 2024
General Lending Rates
Rates listed below are for a product. Additional Information
Interest Rate NA PA
Comparison Rate NAPA*
Product rates will vary depending upon your financial position< LVR, and other criteria. The product may also vary depending upon the rate type, repayment type, or loan purpose. We encourage you to contact us for a full understanding of the product and terms.
Product Variations
Product rates and conditions will usually vary based on the LVR and other conditions..
, CASH_ADVANCE, 21.99%
Lending Rate Type: Cash Advance
Interest Rate: 21.99%, Comparison Rate 0.00%
Repayment Type:
Loan Purpose:
, PURCHASE, 12.99%
Lending Rate Type: Purchase
Interest Rate: 12.99%, Comparison Rate 0.00%
Repayment Type:
Loan Purpose:
Term
Minimum: 1 MONTH Maximum: 24 MONTH
Lending Rate Type: Introductory
Interest Rate: 0.00%, Comparison Rate 0.00%
Repayment Type:
Loan Purpose:
Product Features
Card AccessAdditional Information: Access and activate your new card digitally as soon as it's approved.
Additional CardsAdditional Information: Add up to 3 additional cardholders for free.
Balance TransfersAdditional Information: Balance transfer your non-Bankwest credit card balances. Conditions apply.
OtherAdditional Information: You can bank over the phone.
Bill PaymentAdditional Information: You can use BPAY to quickly and easily pay your bills online.
InsuranceAdditional Information: Get complimentary extended warranty insurance. Limitations, exclusions, eligibility criteria, sub-limits and excesses may apply.
InsuranceAdditional Information: Complimentary price guarantee insurance. Limitations, exclusions, eligibility criteria, sub-limits and excesses may apply.
InsuranceAdditional Information: Be covered for your purchases with Purchase Security Insurance. Limitations, exclusions, eligibility criteria, sub-limits and excesses may apply.
InsuranceAdditional Information: Get complimentary overseas travel insurance. Limitations, exclusions, eligibility criteria, sub-limits and excesses may apply.
Digital BankingAdditional Information: You can do your everyday banking through Bankwest Online Banking and the Bankwest App from anywhere, 24/7 - it's easy and secure.
Digital BankingAdditional Information: If you want to access your account in Online Business Banking, you will be provided with a separate Product Disclosure Statement and your use of the service will be a matter of separate agreement with us. Separate fees are applicable for this service.
Digital WalletAdditional Information: Use Apple Pay for a smart, secure and easy way to pay from your Apple device.
Digital WalletAdditional Information: Use Fitbit Pay for a smart, secure and easy way to pay from your Fitbit watch/tracker device.
Digital WalletAdditional Information: Use Garmin Pay for a smart, secure and easy way to pay from your Garmin watch/tracker device.
Digital WalletAdditional Information: Use Google Pay from any compatible Android device to tap and pay on the go
Digital WalletAdditional Information: Use Samsung Pay for a smart, secure and easy way to pay from your Samsung device.
Instalment PlanAdditional Information: Spread the cost of up to 5 eligible purchases between $100 and $10000 over 4 monthly instalments at 0% p.a. Available to eligible customers via the Bankwest App only. Terms and conditions apply.
OtherAdditional Information: No foreign Transaction fees for online and overseas purchases.
Fraud ProtectionAdditional Information: Features and tips to help you bank securely.
Interest FreeAdditional Information: Up to 55 interest free days on purchases. You qualify for interest free days on purchases if you pay the closing balance owing (excluding any balance transfer amount) on your current statement in full by the due date.
NotificationsAdditional Information: Use Easy Alerts to keep track of your banking by setting up customisable notifications that let you know about important activities on your account, such as credit card repayment reminder.
Product Eligibility
Pension RecipientAdditional Information: For lending products, lending criteria apply, however pension payments are eligible as a form of income.
Min Age - 18. Additional Information: The Bankwest Breeze Platinum Mastercard is an account for personal customers who are over 18 years of age.
Min Income - 15000. Additional Information: Regular income of over $15,000 a year.
Residency Status - Au. Additional Information: The Bankwest Breeze Platinum Mastercard is an account for personal customers who are Australian permanent residents.
Natural PersonAdditional Information: The Bankwest Breeze Platinum Mastercard is an account for personal customers who are over 18 years of age.
OtherAdditional Information: For lending products, lending criteria apply.
Bank Fees and Charges
Cash Advance Fee (Withdrawal), Amount: Not Listed.. Additional Information: 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), Amount: 0.00. Additional Information: 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 (Event), Amount: 25.00. Additional Information: Payable for each statement period that the minimum payment is not processed to your Card account by due date. If your Card Account statement refers to an 'Amount Due Immediately' you must also pay that amount by the due date, in order to avoid the fee.
Paper Statement Fee (Periodic), Amount: 1.25. Additional Information: Payable for each paper Card Account Statement sent to you. Fee is waived if opted-in to e-statements.
Notice Of Demand Fee (Event), Amount: 50.00. Additional Information: Payable when we issue a notice of demand to you.
Annual Fee (Periodic), Amount: 59.00. Additional Information: Payable when the Card Account is opened and in advance on each anniversary of Card Account opening.
Balance Transfer Fee (Event), Amount: Not Listed.. Additional Information: Charged as a % of the total balance transfer transaction amount. Payable for each transaction that the introductory balance transfer percentage rate applies to.
Credit Card Replacement Fee (Event), Amount: 25.00. Additional Information: 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.
Limitations & Restrictions (Constraints)
Min Limit of 6000.00 Additional Information: Minimum credit limit $6000.