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Last updated on 15 May 2013
If you are looking for a low interest rate credit card, check out the Bankwest Breeze MasterCard, currently offering 0% p.a. on purchases for the first 4 months and 0% p.a. on balance transfer for 6 months. Read More ›
But the offers don’t stop there. Not only will you pay no of interest on purchases and balance transfer for 6 months, any unpaid balance reverts to the low purchase rate of 11.99% p.a. This is a great limited time credit card offer!
Other benefits of being a cardholder include up to 55 days interest free on purchases, and up to 3 free additional cardholders.
The Bankwest Breeze card really does have one of the lowest rates you'll find for purchases. If you want to pay as low interest as possible when you can't pay off your whole balance each month, then this is one of the best options out there - especially as the annual fee is also one of the lowest too.
Read what others think and add your review for the Bankwest Breeze Classic credit card below.
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Pay 0% p.a. on purchases, balance transfers and cash advances and for the first 6 months with ~half annual fee 1st year. Standard purchase rate of 11.99% p.a. (12.99% p.a. from 1 October).
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0% Balance Transfer for 6 Months and Interest Free purchases for up to 5 years at over leading 1,000 retailers in Australia mean this is one of the best no annual fee credit cards available.
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0% p.a. on purchases for the first 6 months. Awesome value on the introductory offer from Westpac on one of the top low interest rate credit cards in AU
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Simone
May 20th, 2013 at 7:52pm
Hi, is this offer available to long term bankwest customers?
Tom
May 21st, 2013 at 8:21am
Hi Simone, yes it is. However you won’t be able to transfer a balance from a Bankwest credit card.
carol
May 5th, 2013 at 7:30pm
what is the overseas use charge on purchases
Tom
May 6th, 2013 at 8:17am
Hi Carol, it is 2.95% of the purchase value. See here for more info on overseas transaction fees
sm
April 22nd, 2013 at 9:52pm
if i still have a left over balance from what i have transferd, what percentage rate would it be at, cash advance rate or normal rate
Roland
April 23rd, 2013 at 8:57am
Hi sm, Bankwest terms and conditions state that balances revert to the standard rate – currently 11.99%. You should double check this on your next credit card statement and decide if you are still happy with the interest rate then. If you wish to transfer again, we’ve written an article which you should find helpful. If you’ve got any further questions after reading the article we’re always here to help.
Leanne
February 10th, 2013 at 3:11pm
Could you please tell me how repayments are made to this institution? Do the accept online or BPayments?
Roland
February 12th, 2013 at 11:39am
Hi Leanne, repayments can be made a number of ways, such as by direct debit, or by you transferring the amount due before the statement due date each month. You can pay online using BPay with Bankwest, and many other banks. The Bankwest Biller Code, according to the Bankwest website, is 9100 and you are told to use your card number as a reference. If you wish to pay this way you will also see instructions on your first statement, so have a good look through the payment options listed on the bottom or on the back and pick the method that suits you best.
Allison Kemp
February 6th, 2013 at 10:39am
Typically, how long does it take for a balance transfer to be processed?
Roland
February 6th, 2013 at 12:31pm
Hi Allison, the usual time given for a balance transfer to be processed is 2 weeks (minimum 10 business days). This is the time from your application being approved to your old card balances being moved across to the new card so you are able to close them if you want to. If you would like a little more information on why this takes up to two weeks – we have written this answer to ‘why does it take two weeks for my balance transfer to be processed’ under our Balance Transfer page FAQ section. Hope that helps!
The time it takes to do a balance transfer will vary between different banks and credit card providers. The number of cards you want to transfer across, whether you have filled out the application form completely and it is accurate and whether you are a new customer can have an impact on the time it takes to finalise the transfer. You may also need to complete a ‘100 point ID check’ as a new customer with your application.
You will be sent the new card, terms and conditions and the bank’s information, and you also need to allow a few days to receive this from the time you are told your balance transfer has been approved. You may have to go into a branch to activate your card, and then you can check the balance to see when your previous balances have been transferred. The balance should be checked every couple of days and when the balances are transferred, any old cards you wish to close can be closed down provided you have no outstanding fees or other payments to take care of. This has to be done with your old bank. The new bank does not request any other accounts be closed, only that the balance owing is transferred.
You may see one card balance transfer to the new card more quickly than the other because the time taken depends on the policy and procedure of different banks. It is still reasonable to expect that the whole process should be finished in two weeks, or three weeks at the absolute maximum. If it is taking longer or very close to that time you should contact your bank with your application details (application number, lodgement and receipt number) to check the status.
If you continue to receive statements after your transfer, you will need to check the balance and follow up with the old bank as to why your card hasn’t been closed if you requested the old card to be closed.
Read more: http://www.creditcard.com.au/low-balance-transfer-credit-cards/#ixzz2K4uMVsgZ
Lance
January 29th, 2013 at 2:05pm
Am I able to set my own credit limit on this? My daughter has never had a credit card before.
Roland
February 4th, 2013 at 11:16am
Hi Lance, yes you are able to specify a maximum credit limit on the application. IF you don’t Bankwest assigns one based on its own lending criteria.
Darryl Campeau
January 29th, 2013 at 2:02pm
I quite like the offers on this card but there are no rewards on it. Does this card have a Gold or Platinum program with rewards?
Roland
January 30th, 2013 at 3:47pm
Hi Darryl, I’m afraid the Breeze Classic card does not have rewards. Check out the Bankwest More credit cards if you’re interested in rewards.
Ben
January 21st, 2013 at 8:38pm
If, for example,I wanted to cancel this credit card 2-3 months down the track, How much would this cost??
Roland
January 22nd, 2013 at 8:14am
Hi Ben, you would pay the cost of the annual fee and also need to pay off any outstanding balance and any other charges.
Jamie
January 21st, 2013 at 5:04pm
Just wondering what a “cash advance rate” is?
Roland
January 22nd, 2013 at 8:22am
Hi Jamie, a cash advance rate is the interest charged on the cash you withdraw from an ATM. Cash advance rates are generally high on most credit cards and dont have an interest free period like purchases – so you’ll accumulate the interest charge from the day you take the cash out.