{
  "source": "https://open-api.bankwest.com.au/bwpublic/cds-au/v1/banking/products/9ce7236b194f4294b5cf84452e9025c2",
  "note": "Product Reference Data published by the data holder under the Consumer Data Right, as cached by this site (refreshed every 6 hours).",
  "data": {
    "features": [
      {
        "featureType": "CARD_ACCESS",
        "additionalValue": "Digital Card",
        "additionalInfo": "Start spending instantly. No need for a physical card.",
        "additionalInfoUri": "https://www.bankwest.com.au/credit-cards/low-rate"
      },
      {
        "featureType": "CARD_ACCESS",
        "additionalValue": "Virtual Cards",
        "additionalInfo": "Make purchases without using your regular card details. Create a single-use or multi-use virtual card in the app.",
        "additionalInfoUri": "https://www.bankwest.com.au/credit-cards/low-rate"
      },
      {
        "featureType": "ADDITIONAL_CARDS",
        "additionalValue": "3",
        "additionalInfo": "You can ask for up to three other people to have an additional Card (excluding a Virtual card)",
        "additionalInfoUri": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20051111-093533.pdf "
      },
      {
        "featureType": "BALANCE_TRANSFERS",
        "additionalInfo": "Balance transfer your non-Bankwest credit card balances. Conditions apply. ",
        "additionalInfoUri": "https://www.bankwest.com.au/credit-cards/low-rate"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "You can bank over the phone.",
        "additionalInfoUri": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20050801-144423.pdf"
      },
      {
        "featureType": "BILL_PAYMENT",
        "additionalValue": "BPAY",
        "additionalInfo": "Make bill payments electronically through BPAY",
        "additionalInfoUri": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20050801-144423.pdf"
      },
      {
        "featureType": "INSURANCE",
        "additionalValue": "Extended Warranty Insurance",
        "additionalInfo": "Get complimentary extended warranty insurance. Limitations, exclusions, eligibility criteria, sub-limits and excesses may apply.",
        "additionalInfoUri": "https://www.bankwest.com.au/credit-cards/low-rate"
      },
      {
        "featureType": "INSURANCE",
        "additionalValue": "Price Guarantee Insurance",
        "additionalInfo": "Complimentary price guarantee insurance. Limitations, exclusions, eligibility criteria, sub-limits and excesses may apply.",
        "additionalInfoUri": "https://www.bankwest.com.au/credit-cards/low-rate"
      },
      {
        "featureType": "INSURANCE",
        "additionalValue": "Purchase Security Insurance",
        "additionalInfo": "Be covered for your purchases with Purchase Security Insurance. Limitations, exclusions, eligibility criteria, sub-limits and excesses may apply.",
        "additionalInfoUri": "https://www.bankwest.com.au/credit-cards/low-rate"
      },
      {
        "featureType": "INSURANCE",
        "additionalValue": "Complimentary Overseas Travel Insurance",
        "additionalInfo": "Get complimentary overseas travel insurance. Limitations, exclusions, eligibility criteria, sub-limits and excesses may apply.",
        "additionalInfoUri": "https://www.bankwest.com.au/credit-cards/low-rate"
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "Bankwest Online Banking is a Service provided by us that is accessible via a computer or mobile device with internet access, and a mobile device using the Bankwest App, which enables a User to make enquiries and effect transactions over the Internet on your Card account using a PAN and Password.",
        "additionalInfoUri": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20050801-144423.pdf"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Apple Pay",
        "additionalInfo": "Add your card to your digital wallet, then spend instantly with Apple Pay",
        "additionalInfoUri": "https://www.bankwest.com.au/legal-stuff/mobile-payments-terms-of-use/apple-pay-terms-of-use"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Garmin Pay",
        "additionalInfo": "Add your card to your digital wallet, then spend instantly with Garmin Pay",
        "additionalInfoUri": "https://www.bankwest.com.au/legal-stuff/mobile-payments-terms-of-use/garmin-pay-terms-of-use"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Google Pay",
        "additionalInfo": "Add your card to your digital wallet, then spend instantly with Google Pay",
        "additionalInfoUri": "https://www.bankwest.com.au/legal-stuff/mobile-payments-terms-of-use/google-pay-terms-of-use"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Samsung Pay",
        "additionalInfo": "Add your card to your digital wallet, then spend instantly with Samsung Pay",
        "additionalInfoUri": "https://www.bankwest.com.au/legal-stuff/mobile-payments-terms-of-use/samsung-pay-terms-of-use"
      },
      {
        "featureType": "INSTALMENT_PLAN",
        "additionalInfo": "Easy Instalments Purchase Plans can help you spread the cost of up to five eligible purchases between $100 and $10,000 over four monthly instalments at 0% p.a. If you have an eligible purchase, you'll get an offer in the Bankwest App. Terms and conditions apply.",
        "additionalInfoUri": "https://www.bankwest.com.au/support/credit-cards/easy-instalments"
      },
      {
        "featureType": "INSTALMENT_PLAN",
        "additionalInfo": "Easy Instalments Balance Plans can help you pay off all or part of your purchase balance over an agreed term at a lower rate. If you're eligible for a plan, you'll get an offer in the Bankwest App. From there, you can select the plan that best suits you. Terms and conditions apply.",
        "additionalInfoUri": "https://www.bankwest.com.au/support/credit-cards/easy-instalments"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "No foreign transaction fees or overseas ATM fees apply.",
        "additionalInfoUri": "https://www.bankwest.com.au/credit-cards/low-rate"
      },
      {
        "featureType": "FRAUD_PROTECTION",
        "additionalInfo": "Lock your card from the app, see if an account name checks out when making a payment, and manage your security in the app.",
        "additionalInfoUri": "https://www.bankwest.com.au/credit-cards"
      },
      {
        "featureType": "INTEREST_FREE",
        "additionalValue": "P55D",
        "additionalInfo": "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 promotional or introductory balance transfer amount) on your current statement in full by the due date.",
        "additionalInfoUri": "https://www.bankwest.com.au/credit-cards/low-rate"
      },
      {
        "featureType": "INTEREST_FREE_TRANSFERS",
        "additionalValue": "P24M",
        "additionalInfo": "0% p.a. for 24 months on balance transfers after your Card is approved. After the intro period, the ongoing balance transfer rate of 12.99% p.a. 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.",
        "additionalInfoUri": "https://www.bankwest.com.au/credit-cards/low-rate"
      },
      {
        "featureType": "NOTIFICATIONS",
        "additionalValue": "Credit card repayment reminders",
        "additionalInfo": "Get alerts when your next repayment is due.",
        "additionalInfoUri": "https://www.bankwest.com.au/credit-cards/low-rate"
      }
    ],
    "constraints": [
      {
        "constraintType": "MIN_LIMIT",
        "additionalValue": "6000.00",
        "additionalInfo": "Minimum credit limit $6000.",
        "additionalInfoUri": "https://www.bankwest.com.au/credit-cards/low-rate"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "18",
        "additionalInfo": "Customers must be 18 years or older.",
        "additionalInfoUri": "https://www.bankwest.com.au/content/dam/bankwest/documents/tmd/Credit-Cards/20-05-2026/bankwestbreezeplatinummastercard-tmd-190520261025.pdf"
      },
      {
        "eligibilityType": "NATURAL_PERSON",
        "additionalInfo": "Customers must be an individual.",
        "additionalInfoUri": "https://www.bankwest.com.au/content/dam/bankwest/documents/tmd/Credit-Cards/20-05-2026/bankwestbreezeplatinummastercard-tmd-190520261025.pdf"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Customers must meet Bankwest's credit assessment criteria, which includes demonstrating the capacity to service the credit facility.",
        "additionalInfoUri": "https://www.bankwest.com.au/content/dam/bankwest/documents/tmd/Credit-Cards/20-05-2026/bankwestbreezeplatinummastercard-tmd-190520261025.pdf"
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "Australian citizen or Australian permanent resident",
        "additionalInfo": "Customers must be living in Australia as an Australian citizen or Australian permanent resident (exceptions may apply)",
        "additionalInfoUri": "https://www.bankwest.com.au/content/dam/bankwest/documents/tmd/Credit-Cards/20-05-2026/bankwestbreezeplatinummastercard-tmd-190520261025.pdf"
      }
    ],
    "fees": [
      {
        "name": "Cash Advance Fee",
        "feeType": "CASH_ADVANCE",
        "feeMethodUType": "rateBased",
        "rateBased": {
          "rateType": "TRANSACTION",
          "rate": "0.03",
          "amountRange": {
            "feeMinimum": "4.00"
          }
        },
        "currency": "AUD",
        "additionalInfo": "3% of transaction amount or $4 (whichever is greater). Payable for transactions that the annual cash advance percentage rate applies to.",
        "additionalInfoUri": "https://www.bankwest.com.au/rates/credit-card-rates"
      },
      {
        "name": "Foreign Transaction Fee",
        "feeType": "TRANSACTION",
        "feeMethodUType": "rateBased",
        "rateBased": {
          "rateType": "TRANSACTION",
          "rate": "0"
        },
        "currency": "AUD",
        "additionalInfo": "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.",
        "additionalInfoUri": "https://www.bankwest.com.au/credit-cards/low-rate"
      },
      {
        "name": "Late Payment Administration Fee",
        "feeType": "LATE_PAYMENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "25.00"
        },
        "currency": "AUD",
        "additionalValue": "1",
        "additionalInfo": "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\".\"",
        "additionalInfoUri": "https://www.bankwest.com.au/rates/credit-card-rates"
      },
      {
        "name": "Dishonour Fee",
        "feeType": "DISHONOUR",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "currency": "AUD",
        "additionalInfo": "Payable each time a periodical payment or a cheque deposit to your Card Account is dishonoured."
      },
      {
        "name": "Paper Statement Fee",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "1.25"
        },
        "currency": "AUD",
        "additionalValue": "P1M",
        "additionalInfo": "Payable for each paper Card Account Statement sent to you. Fee is waived if opted-in to e-statements.",
        "additionalInfoUri": "https://www.bankwest.com.au/rates/credit-card-rates"
      },
      {
        "name": "Over the Limit Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.00"
        },
        "feeCap": "10.00",
        "feeCapPeriod": "P1M",
        "currency": "AUD",
        "additionalInfo": "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.",
        "additionalInfoUri": "https://www.bankwest.com.au/rates/credit-card-rates"
      },
      {
        "name": "Annual Fee",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "59.00"
        },
        "currency": "AUD",
        "discounts": [
          {
            "description": "No credit card annual fee applies when the card is taken out as an eligible card with the Complete Home Loan Package.",
            "discountType": "ELIGIBILITY_ONLY",
            "discountMethodUType": "fixedAmount",
            "fixedAmount": {
              "amount": "59.00"
            },
            "eligibility": [
              {
                "discountEligibilityType": "OTHER",
                "additionalInfo": "No credit card annual fee applies when the card is taken out as an eligible card with the Complete Home Loan Package."
              }
            ]
          }
        ],
        "additionalValue": "P1Y",
        "additionalInfo": "Payable when the Card Account is opened and in advance on each anniversary of Card Account opening.",
        "additionalInfoUri": "https://www.bankwest.com.au/rates/credit-card-rates"
      },
      {
        "name": "Balance Transfer Fee",
        "feeType": "EVENT",
        "feeMethodUType": "rateBased",
        "rateBased": {
          "rateType": "TRANSACTION",
          "rate": "0.03"
        },
        "currency": "AUD",
        "additionalInfo": "Charged as a % of the total balance transfer transaction amount. Payable for each transaction that the introductory balance transfer percentage rate applies to.",
        "additionalInfoUri": "https://www.bankwest.com.au/credit-cards/low-rate"
      },
      {
        "name": "Customer Trace Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.00"
        },
        "currency": "AUD",
        "additionalInfo": "Payable each time we have to locate you during the period that you're in default under the card contract.",
        "additionalInfoUri": "https://www.bankwest.com.au/rates/credit-card-rates"
      },
      {
        "name": "Credit Card Replacement Fee",
        "feeType": "REPLACEMENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "25.00"
        },
        "currency": "AUD",
        "additionalInfo": "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.",
        "additionalInfoUri": "https://www.bankwest.com.au/rates/credit-card-rates"
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "PURCHASE",
        "rate": "0.1299",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "repaymentType": "UNCONSTRAINED",
        "loanPurpose": "UNCONSTRAINED",
        "additionalInfo": "The rate you'll pay on purchases if you're not eligible for an interest free period.",
        "additionalInfoUri": "https://www.bankwest.com.au/credit-cards/low-rate"
      },
      {
        "lendingRateType": "CASH_ADVANCE",
        "rate": "0.2199",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "repaymentType": "UNCONSTRAINED",
        "loanPurpose": "UNCONSTRAINED",
        "additionalInfo": "The rate you'll pay on any cash advances, including when you withdraw cash",
        "additionalInfoUri": "https://www.bankwest.com.au/credit-cards/low-rate"
      },
      {
        "lendingRateType": "BALANCE_TRANSFER",
        "rate": "0.1299",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "repaymentType": "UNCONSTRAINED",
        "loanPurpose": "UNCONSTRAINED",
        "additionalInfo": "The rate you'll pay on balance transfers after any introductory period.",
        "additionalInfoUri": "https://www.bankwest.com.au/credit-cards/low-rate"
      },
      {
        "lendingRateType": "INTRODUCTORY",
        "rate": "0",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "repaymentType": "UNCONSTRAINED",
        "loanPurpose": "UNCONSTRAINED",
        "tiers": [
          {
            "name": "Term",
            "unitOfMeasure": "MONTH",
            "minimumValue": "1",
            "maximumValue": "24"
          }
        ],
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "OTHER",
            "additionalInfo": "Only available to new Bankwest Breeze Mastercard customers. Excludes product transfers from existing Bankwest credit cards."
          }
        ],
        "additionalValue": "P24M",
        "additionalInfo": "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.",
        "additionalInfoUri": "https://www.bankwest.com.au/credit-cards/low-rate"
      }
    ],
    "instalments": {
      "maximumConcurrentPlans": 5,
      "minimumPlanValue": "100.00",
      "maximumPlanValue": "10000.00",
      "minimumSplit": 4,
      "maximumSplit": 4
    },
    "productId": "9ce7236b194f4294b5cf84452e9025c2",
    "lastUpdated": "2026-07-03T02:15:34.000Z",
    "productCategory": "CRED_AND_CHRG_CARDS",
    "name": "Bankwest Breeze Platinum Mastercard",
    "description": "A credit card with our lowest ongoing rate.",
    "brand": "Bankwest",
    "brandName": "Bankwest",
    "applicationUri": "https://www.bankwest.com.au/credit-cards/low-rate",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.bankwest.com.au/credit-cards/low-rate",
      "eligibilityUri": "https://www.bankwest.com.au/content/dam/bankwest/documents/tmd/Credit-Cards/20-05-2026/bankwestbreezeplatinummastercard-tmd-190520261025.pdf",
      "feesAndPricingUri": "https://www.bankwest.com.au/credit-cards/low-rate"
    },
    "cardArt": [
      {
        "cardScheme": "MASTERCARD",
        "cardType": "CREDIT",
        "title": "Bankwest Breeze Platinum Mastercard",
        "imageUri": "https://www.bankwest.com.au/content/dam/bankwest/bwapps/openbanking/cards-credit-mastercard-breeze-platinum.png"
      }
    ]
  }
}