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Bankwest Breeze Mastercard
Bankwest Breeze Mastercard

Bankwest Credit Cards

Bankwest Breeze Mastercard

Updated 20 September 2021

Save on interest with the Bankwest Breeze Mastercard’s 0% purchase and balance transfer for 15 months introductory offer. No balance transfer fee applies. This card reverts to a low interest rate of 9.90% p.a. Plus, you’ll enjoy $0 annual fee for the first year. New customers only. Other fees, T&Cs apply.

Purchase Rate (p.a)

0% p.a.

for 15 months. Reverts to 9.90% p.a.

Balance Transfer (p.a)

0% for 15 months No balance transfer fee.
Reverts to 9.90% p.a.

Annual Fee (p.a)

$0 first year. Then $49 p.a.

$0 over 15 months

My transfer amount

Balance transfer from:

My annual fee

My interest rate

Pros and cons

  • 0% p.a. on purchases and balance transfers for 15 months. Reverts to 9.90% p.a.
  • No annual fee first year. $49 annual fee thereafter
  • Add up to 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

  • No complimentary insurances or rewards review

Editor Review

Bankwest Breeze Mastercard

Roland Bleyer
Credit Card Expert with over 15 years card experience and the founder of about this card.

The Bankwest Breeze Mastercard

The Bankwest Breeze Mastercard focuses on helping cardholders save on existing and future interest costs. Keeping things nice and simple, this card provides a 0% p.a. purchase and balance transfer introductory offers, standard security features, and up to 55 days interest-free on purchases for an affordable annual fee (which is also waived for the first year).

What we love...

Headlining the Bankwest Breeze Mastercard is its 0% p.a. introductory offer on purchases and balance transfers. This card is designed to act as a low rate credit card, so it also provides low ongoing purchase and balance transfer interest rates. New customers can get 0% p.a. for 15 months on purchases and balance transfers, making it a suitable choice for those who want to pay off their existing debt and save on interest on new purchases at the same time.

That means, if you are approved, you could move over a balance from an existing credit card to your new Breeze card, to then pay it off faster. During this offer period, if you also want to use the card to make one big purchase or small everyday purchases, it won’t incur interest, allowing you to save money in the process.

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.

It is important to note, however, that any purchase and transferred balance left unpaid at the end of the promo period will start accruing standard interest rates. Make sure you clear both balances before the offer period expires to make the most of the 0% p.a. intro offer.

Next off, the $0 annual fee for the first year offer. New cardholders pay no annual fee for the first year, keeping their card costs down so they can focus more on clearing their balance. After the offer period, the standard annual fee of $49 will then kick in.

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 pay off existing debt and make new purchases at the same time without paying interest as well as those who want 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.

Instead of offering extras and features, 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 its 0% p.a. purchase and balance transfer offers and extras such as the Bankwest Halo payment ring (fee required) and up to 55 interest-free days.

User reviews

Bankwest Breeze Mastercard ( based on 135 user reviews )

88% rating based on 135 reviews

Customer Service
93% Visitor

5 March 2015

Have 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 card

Julio Vergas

28 January 2013

This 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

Rates and fees

Interest rates

Purchase rate 9.90% p.a.

Introductory purchase rate 0% p.a. for 15 months

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 15 months

Balance transfer revert rate 9.90% p.a.

Balance transfer from personal loan No

Balance transfer fee No fee

Balance transfer limit 95% of approved credit limit

Banks you can't balance transfer from Bankwest

Credit limits

Minimum credit limit $1,000

Maximum credit limit N/A

Fees & repayments

Annual fee $49 p.a.

Additional cardholder 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 Yes

Extended Warranty Insurance Yes

Rental Vehicle Excess In Australia Insurance No


Pay with your compatible device using Apple Pay, Samsung Pay, & Google Pay™ or Australia’s first payment ring - Bankwest Halo

Price Guarantee Scheme


Bankwest Breeze Mastercard

Key features

  • 0% p.a. on purchases and balance transfers for 15 months. No balance transfer fee applies. Reverts to 9.90% p.a.
  • No annual fee first year; $49 annual fee thereafter
  • Up to 55 days interest free on purchases
  • Add up to 3 additional card holders at no extra cost
  • Pay with your compatible device using Apple Pay, Samsung Pay, & Google Pay™ or Australia’s first payment ring - Bankwest Halo

Minimum criteria to apply for this card

  • Be over 18 years old

  • Good Credit and have not applied for multiple credit cards recently

  • Australian permanent residents

  • Minimum income of $15,000 p.a.

  • You have your personal details ready to complete the online application

Roland B Bleyer

Roland B Bleyer founded 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.

149 questions (showing the latest 10 Q&As)



12 September 2021
Hello I just want to know about interest rate on purchase It says 15 months 0% interest rate And again says 0% interest rate up to 55 days Can you please explain it to me ? For example if my credit card limit is $2000 and I spend all amount I would not pay any interest for 15 months?!!! Thanks in advance
    Roland B Bleyer - Founder


    13 September 2021
    Hi Sam, good question! It is a trickier one to understand. The 0% for 15 months means that you’ll pay no interest on eligible purchases for 15 months from the date you activate your card. You’ll still need to make the minimum required payments on time and this amount will be listed on your statement. The ‘up to 55 days interest free’ period is the number of days you will not incur any interest on purchases. Provided that the monthly payment balance indicated on your statement account is settled on or before the statement due date. I hope this has helped you understand a bit better!


5 September 2021
Is there a transaction fee if I use the Bankwest Breeze Mastercard to buy online?
    Roland B Bleyer - Founder


    6 September 2021
    Hi Pamela, you may be charged a 2.95% foreign transaction fee on purchases made online using a foreign currency, either international or Australian sites at an international merchant.
Ma Elineil Suico

Ma Elineil Suico

11 July 2021
Hi, Just wondering how much Is the max amount on this card thanks
    Roland B Bleyer - Founder


    13 July 2021
    Hi Ma Elineil, thanks for your question! Most banks don’t advertise the credit limit of their cards. This is because the credit limit is actually set by the bank based on several eligibility factors, like credit score, payment history, etc. The maximum credit limit will be determined by Bankwest during your application. Hope this has helped!


5 June 2021
I've stupidly got myself a $20k loan with interest at 23%. Say if I got a credit card for $20k could I use this money to pay off the loan and pay off the credit card within the 15 months with no interest? Is this how it works? Thanks
    Roland B Bleyer - Founder


    7 June 2021
    Hi Chris, there are a few institutions that allow you to balance transfer personal loan debt, but Bankwest isn’t one of them. Citi, Qantas Money, Coles and Virgin Money will take on the debt if approved. However, you’ll need to make sure that the total amount transfer doesn’t exceed 80% of the approved credit limit.


2 June 2021
What are the chances of obtaining a credit card with your organisation with an early released on my profile from AFSA sept 2020 last year?
    Roland B Bleyer - Founder


    3 June 2021
    Hi Israel, thanks for your comment. Before applying for any form of credit, you should get a copy of your credit report and ensure everything is up to date and correct. You’ll also be able to see the dates of any bankruptcies and defaults, and when they will likely be removed from your file.


16 May 2021
do i need a savings acount to apply for a credit card with your bank
    Roland B Bleyer - Founder


    17 May 2021
    Hi Mellisa, thanks for your question! Different cards have different eligibility criteria. I’d suggest reaching out to the bank to check on this.


29 January 2021
What is the maximan amount you can transfer
    Roland B Bleyer - Founder


    1 February 2021
    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.


3 December 2020
I note the 0% p.a. for 15 months on purchases is for an introductory period. How long is the introductory period?
    Roland B Bleyer - Founder


    4 December 2020
    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.
Shargunan Matthew

Shargunan Matthew

12 April 2020
does the 26mths balance transfer still apply to BankWest?
    Roland B Bleyer - Founder


    12 April 2020
    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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