- 0% p.a. on balance transfers for 26 months. 2% Balance transfer fee applies. Reverts to 10.99% p.a. New customers only.
- Low 10.99% p.a. on purchases
- No annual fee first year. $49 annual fee thereafter
- 3 additional card holders at no extra cost
- Up to 55 days interest free on purchases
- Pay with your compatible device using Apple Pay, Samsung Pay, & Google Pay™ or Australia’s first payment ring - Bankwest Halo
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Citi Rewards Card - Balance Transfer Offer
0% balance transfer for 30 Months*
Reverts to cash advance rate. $49 first-year annual fee.
Bankwest Credit Cards
Bankwest Breeze Mastercard
Updated 11 February 2021
The Bankwest Breeze Mastercard offers 0% p.a. for 26 months on balance transfers, reverts to a low rate of 10.99% p.a. 2% Balance transfer fee applies. $49 annual fee. Add up to 3 additional cardholders at no extra cost. Offer available to new customers only.
Purchase Rate (p.a)
10.99%
Balance Transfer (p.a)
0% for 26 months
2% balance transfer fee applies.
Reverts to 10.99% p.a.
Annual Fee (p.a)
$0 first year. Then $49 p.a.
Pros and cons
- No complimentary insurances or rewards
Creditcard.com.au review
Editor Review
Bankwest Breeze Mastercard
Roland Bleyer
Credit Card Expert with over 15 years card experience and the founder of Creditcard.com.au. Ask Roland a Question about this card.
The Bankwest Breeze Mastercard
Keeping things nice and simple, the Bankwest Breeze Mastercard focuses on offering a low ongoing purchase rate, helping cardholders who tend to carry a balance to save on interest. With an affordable annual fee, the card provides standard security features and up to 55 days interest free on purchases, with 0% p.a. on balance transfers for 26 months.
What we love...
Headlining the Bankwest Breeze Mastercard is its purchase offer, the Bankwest Breeze Mastercard is designed to act as a low rate credit card, providing a low ongoing rate on purchases. For a limited time new customers can get 0% p.a. for 26 months on balance transfers. Cardholders can also benefit from up to 55 interest free days on purchases, to utilise this feature, you must clear your balance each month.
Designed to allow cardholders with existing credit card debt to save on interest, this offer provides 0% p.a. on balance transfers for 26 months with a 2% Balance Transfer Fee. That means, if you are approved, you could transfer a balance from an existing credit card to your new Breeze card, to then pay it offer faster. It is nice to know, however, that any transferred balance left unpaid at the end of the intro period reverts to the card’s purchase rate, not the much higher cash advance rate.
To be eligible for this offer, you must be a new cardholder, transferring a balance from non-Bankwest credit cards. It’s worth pointing out that even though Bankwest is owned by CommBank, you may still be able to transfer a balance from a CommBank credit card. Transferred balances can be up to 95% of your approved credit limit.
While it may be low on extras, the Bankwest Breeze Mastercard does offer one particularly neat feature that cardholders may find incredibly handy indeed. The Bankwest Halo payment ring is a fairly new feature offered by Bankwest, providing contactless technology in the form of a ring you can wear on your finger.
For a fee of $15, Bankwest will create your ring according to your sizing specifications. Then when you’re at the checkout, simply tap your ring against the payment terminal, just as you would your card. If it’s under $200, you can tap-and-go, and if it’s over $200, simply input your PIN. While it may not be everyone’s cup of tea, it can reduce hassle, allowing you to leave your wallet at home.
What’s not so great...
The first thing to keep in mind with the Bankwest Breeze Mastercard is that it’s meant to be a no frills card. We figure that the ‘Breeze’ in its title refers to the fact that it’s so simple and uncomplicated, it is a ‘breeze’ to use. While this may not be for everyone, the card’s simplicity may work for others, especially those who want to focus on low rates.
Why should you choose this card?
As a simple card, the Bankwest Breeze Mastercard could suit cardholders looking to save on interest should they carry a balance month-to-month. While it may not offer a plethora of features, it could help cardholders focus on paying off their balance, instead of say, adding to their balance by spending to earn rewards.
It should be noted that this card is not a low fee card. While the annual fee is not huge, it’s not low either. Instead of offering extras and features for that annual fee, Bankwest seems to be offering low rates. Nevertheless, if you want to add any additional cardholders to the account, you may add up to three at no additional cost.
Aside from the standard security features found on every Mastercard, the Bankwest Breeze Mastercard provides extras in the form of a low $1,000 minimum credit limit, as well as free worldwide emergency card replacement.
Overall Rating
The Bankwest Breeze Mastercard is a simple card, designed to offer a low purchase rate, alongside extras such as the Bankwest Halo payment ring (fee required) and 0% p.a. on balance transfers for 26 months.
User reviews
Rates and fees
Interest rates
Purchase rate 10.99% p.a.
Cash advance rate 21.99% p.a.
Interest free period on purchases up to 55 days
Balance transfer
Balance transfer rate 0% p.a. for 26 months
Balance transfer revert rate 10.99% p.a.
Balance transfer from personal loan No
Balance transfer fee 2% one off
Balance transfer limit 95% of approved credit limit
Banks you can't balance transfer from Bankwest
Credit limits
Minimum credit limt $1,000
Maximum credit limit $25,000
Fees & repayments
Annual fee $49 p.a.
Additional card holder fee Up to 3 at no extra cost
Foreign transaction fee 2.95%
Minimum repayment 2% or $20 (whichever is greater)
Annual fee the first year $0
Cash advance fee 2% or $4 (whichever is greater)
Late payment fee $25
Additional features
Complimentary insurance
International Travel Insurance No
Flight Inconvenience Insurance No
Transit Accident Insurance No
Smartphone Screen Insurance No
Purchase Protection Insurance No
Extended Warranty Insurance No
Rental Vehicle Excess In Australia Insurance No
Extras
Pay with your compatible device using Apple Pay, Samsung Pay, & Google Pay™ or Australia’s first payment ring - Bankwest Halo
Overview
Bankwest Breeze Mastercard
Key features
- 0% p.a. on balance transfers for 26 months. 2% Balance transfer fee applies. Reverts to 10.99% p.a. New customers only.
- Pay with your compatible device using Apple Pay, Samsung Pay, & Google Pay™ or Australia’s first payment ring - Bankwest Halo
- 10.99% p.a. on purchases
- $49 annual fee
- Add up to 3 additional card holders at no extra cost
- Up to 55 days interest free on purchases
Minimum criteria to apply for this card
-
Be over 18 years old
-
Good Credit and have not applied for multiple credit cards recently
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Resident or citizen of Australia. Temporary residents are eligible.
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Minimum income of $20,000 p.a.
You have your personal details ready to complete the online application
Roland B Bleyer founded Creditcard.com.au in 2005 and has extensive knowledge about credit cards. He personally answers all questions and write the editor reviews for each card here. Always keen to share his passion to educate consumers and help you select better suited credit cards.
Recently Asked Questions
Something you need to know about this card? Ask a our credit card expert a question.
Ask a question143 questions (showing the latest 10 Q&As)
What is the maximan amount you can transfer
Hi Ronald, the maximum you can transfer will depend on your new credit limit approved. You can transfer up to 95% of your approved credit limit. So if you get approved for a 10k limit. Then you can balance transfer $9,500.
I note the 0% p.a. for 15 months on purchases is for an introductory period. How long is the introductory period?
Hi Chelle, you would get 0% for 15 months from the time of card approval. Bankwest do not have an offer end date. Therefore this offer is subject to change at any time.
does the 26mths balance transfer still apply to BankWest?
Hi Shargunan, this offer has just ended unfortunately. Easter long weekend is a strange time to update. The offer has now reduced to 0% for 6 months with 2% transfer fee. Not great at all. Have a look at the Citi Premier, HSBC Platinum or ANZ Low Rate offers.
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Creditcard.com.au Visitor
5 March 2015Have been with bankwest credit card for years. Exceent service. Staff in store helpful. Would ove branches in North west Queensland so I could transfer al my accounts to them
Recommends this cardJulio Vergas
28 January 2013This card is great for anyone wanting low interest rates. I got it cos of the purchase offer â?? 0% for 6 months. The balance transfer you could probably get better elsewhere, but for low ongoing rates it has to be one of the best. The low annual fee is just icing on the cake.
Recommends this card