How to Apply for Your Breeze Platinum Mastercard
The Breeze Platinum Mastercard from BankWest is a popular choice for individuals seeking a low-rate credit card with a host of benefits.
This card offers various perks, including reward points, exclusive offers, and comprehensive purchase protections, making it an attractive option for many consumers.
In today’s fast-paced financial landscape, having a reliable credit card that offers both value and security is essential.
The Breeze Platinum Mastercard from BankWest stands out due to its low interest rates and extensive benefits. Whether you are looking to earn rewards, enjoy exclusive offers, or need robust purchase protection, this card covers all bases.
History of BankWest
BankWest, originally known as The Bank of Western Australia, has a rich history dating back to its establishment in 1895.
Initially created to provide banking services to the agricultural sector in Western Australia, it has since grown into one of Australia’s leading financial institutions.
Over the years, BankWest has expanded its services nationwide, merging with the Commonwealth Bank of Australia in 2008, which further strengthened its position in the market.
Today, BankWest is known for its innovative banking solutions and customer-centric approach, continuing to serve millions of Australians with a wide range of financial products.
Benefits of the Breeze Platinum Mastercard
The Breeze Platinum Mastercard is designed to provide maximum value to its users. Here are some of the key benefits:
Reward Points
Cardholders can earn reward points on their everyday purchases. These points can be redeemed for a variety of items, including travel, merchandise, and gift cards, offering flexibility and value.
Exclusive Offers
Breeze Platinum Mastercard holders enjoy access to exclusive offers and discounts across various categories such as dining, shopping, and entertainment.
These offers are regularly updated, ensuring that cardholders can continually benefit from their membership.
Purchase Protection
One of the standout features of the Breeze Platinum Mastercard is its comprehensive purchase protection. This includes complimentary overseas travel insurance, interstate flight inconvenience insurance, and a 90-day purchase security insurance.
These protections provide peace of mind, knowing that your purchases and travel plans are covered against unforeseen circumstances.
Loan Options and Instalment Plans
The Breeze Platinum Mastercard offers flexible financial solutions to meet diverse needs:
Flexible Payment Options
Cardholders can take advantage of various payment options, including balance transfers with an introductory 0% p.a. for 24 months (subject to a 3% balance transfer fee).
This allows users to consolidate their debts and manage their finances more effectively.
Easy Instalments Program
BankWest provides an Easy Instalments purchase plan, which enables cardholders to spread the cost of eligible purchases over four manageable monthly instalments at 0% p.a.
This program is ideal for large purchases, making it easier to budget and pay off expenses without incurring high interest charges.
Eligibility for the Breeze Platinum Mastercard
To apply for the Breeze Platinum Mastercard, applicants must meet certain criteria:
Application Criteria
- Must be 18 years or older
- Must be an Australian permanent resident
- Must have a good credit history
Interest Rates and Fees
The card comes with a purchase interest rate of 12.99% p.a. and a $59 annual fee. There are no foreign transaction fees for Platinum customers, making it a great option for international travelers.
How to Apply
Applying for the Breeze Platinum Mastercard is a straightforward process that can be completed online, ensuring convenience and speed. Here’s a detailed step-by-step guide to help you through the application process:
Visit the BankWest Website
Begin by visiting the BankWest credit cards page. You can access it directly via their official website. Once on the page, navigate to the section for Breeze Platinum Mastercard to find all relevant information and the application link.
Prepare Your Documents
Before starting your application, gather the necessary documents to ensure a smooth and hassle-free process. You will need:
- Photo Identification: This could be an Australian driver’s license or a passport. If you do not have these, a list of alternative acceptable ID documents is available on the BankWest website.
- Employment Details: Include information about your current employment, such as your job title, length of employment, and your employer’s contact information.
- Financial Information: Be prepared to provide detailed information about your income, monthly expenses, assets, and any existing loans or credit cards. This information helps BankWest assess your creditworthiness.
Complete the Application Form
Once you have all the required documents, proceed to fill out the online application form. The form will ask for your:
- Personal Details: Full name, date of birth, address, and contact information.
- Employment Information: Details about your current job and employment history.
- Financial Information: Information about your income, expenses, assets, and liabilities. This includes details of any existing loans or credit cards.
Ensure that all the information you provide is accurate and up-to-date to avoid any delays in processing your application.
Submit Your Application
After completing the application form, carefully review all the information you have entered. Double-check for any errors or omissions.
Once you are satisfied that everything is correct, submit your application. BankWest will process your application and notify you of the outcome, typically within a few business days.
Post-Submission Process
- Verification and Approval: Upon submission, BankWest will verify the information provided. This may involve checking your credit history and confirming your employment details.
- Notification: You will receive a notification regarding the status of your application. If approved, you will receive your Breeze Platinum Mastercard shortly thereafter. In some cases, you might be able to use a digital version of your card immediately while waiting for the physical card to arrive.
- Activation: Once you receive your card, follow the instructions provided to activate it. You can then start enjoying the benefits and features of the Breeze Platinum Mastercard.
Applying for the Breeze Platinum Mastercard is designed to be a user-friendly experience, with clear instructions and support available throughout the process. Ensure that you provide accurate information and have all necessary documents ready to facilitate a smooth application process.
VISIT THE BANK'S OFFICIAL WEBSITE TO REQUEST YOUR CARD
Opinion and Additional Tips
The Breeze Platinum Mastercard offers substantial benefits, particularly for those seeking a low-rate card with extensive purchase protections and no foreign transaction fees. However, it’s essential to weigh the annual fee against the benefits to ensure it’s the right fit for your financial situation.
Additionally, consider the impact of applying for multiple credit products on your credit score and ensure that this card aligns with your long-term financial goals.
Sustainability and Environmental Impact
BankWest is committed to sustainable banking practices. By opting for eStatements and digital transactions, you can reduce paper waste and contribute to environmental sustainability.
The bank’s initiatives towards reducing their carbon footprint and promoting green banking are steps in the right direction.
Customer Service
BankWest offers a range of customer service channels to assist cardholders:
- Phone: Call BankWest customer service at 13 17 19
- Online: Visit the BankWest website for support
- Chat: Use the online chat feature available on their website
- App: Manage your account through the BankWest app available on Android and iOS
The Breeze Platinum Mastercard is a comprehensive credit card offering from BankWest, suitable for individuals seeking low interest rates, extensive purchase protections, and flexibility in payment options. Its array of benefits and ease of application make it an attractive choice for many Australians.
Interested in more tips? Browse through other credit card offerings for Australian residents on our website.
