- 0% p.a. on balance transfers for the first 26 months. 2% Balance Transfer Fee applies. Reverts to 12.99% p.a. New customers only.
- Low purchase rate of 12.99% p.a.
- $39 annual fee first year, $79 p.a. 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 & Google Pay™ or Australia’s first payment ring - Bankwest Halo
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ANZ Low Rate - $0 Annual Fee First Year
0% on balance transfer for 22 months
*1.5% balance transfer fee, $58 annual fee 2nd year onwards
Bankwest Credit Cards
Bankwest Breeze Mastercard
Updated 19 March 2020
The Bankwest Breeze Mastercard offers a low ongoing purchase rate of 12.99% p.a. $39 annual fee first year, $79 thereafter and 0% p.a. for 26 months on balance transfers with a 2% Balance Transfer Fee. Reverts to a low 12.99% p.a. Add up to 3 additional cardholders at no extra cost. Offer available to new customers only.
Purchase Rate (p.a)
12.99%
Balance Transfer (p.a)
0% for 26 months 2% BT fee applies. reverts to 12.99% p.a.
Annual Fee (p.a)
$39 first year. Then $79 p.a.
Pros and cons
- Nothing really
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 (2% Balance Transfer Fee applies).
What we love...
Headlining the Bankwest Breeze Mastercard is its balance transfer offer. 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 applies. 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.
Putting aside the balance transfer offer, the Bankwest Breeze Mastercard is designed to act as a low rate credit card, providing a low ongoing rate on purchases. Cardholders can also benefit from up to 55 interest free days on purchases. This can offer valuable savings on both everyday spending and on larger items, but to utilise this feature, you must clear your balance each month.
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 $39, 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 $100, you can tap-and-go, and if it’s over $100, 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 with a 2% Balance Transfer Fee.
User reviews
Rates and fees
Interest rates
Purchase rate 12.99% 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 12.99% 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 $79 p.a.
Additional card holder fee Up to 3 at no extra cost
Foreign transaction fee 2.95%
Minimum repayment 2%
Annual fee the first year $39
Cash advance fee 2%
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 & Google Pay™ or Australia’s first payment ring - Bankwest Halo
Overview
Bankwest Breeze Mastercard
Key features
- 0% p.a. on balance transfers for the first 26 months. 2% Balance Transfer Fee applies. Reverts to 12.99% p.a. New customers only.
- Low purchase rate of 12.99% p.a.
- Pay with your compatible device using Apple Pay & Google Pay™ or Australia’s first payment ring - Bankwest Halo
- $39 annual fee first year, $79 p.a. thereafter
- 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
Resident or citizen of Australia. Temporary residents are eligible.
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 question140 questions (showing the latest 10 Q&As)
hi, i am recentely out of bankruptcy and looking for a low limit credit card. is that something you can help with
Hi Brendan, its going to be tough to get approved for any new credit card. You have to rebuild from the bottom up. You can have a go and see if Bankwest will give you a $500 limit. Though every time you apply, this will be recorded and may effect future application approval. I would start with lower credit types. Then move the a secured personal loan (car loan). Then look to a credit card. You should research and put a plan in place for how you can rebuild.
Hello, I have just finished up my payments for a part 9 debt agreement. I’m needing to apply for a credit card so I can build up my credit history again. Is there any lenders that will help?
Hi Hayley, it will be difficult to get approved. I would say that you should start off with a small loan through a legitimate lender. A car or secured loan is easiest loan to get approved for. A credit card should be a few steps down the line. Approval will depend on a range of factors for the Bankwest Breeze Mastercard. Income v expenses, assets v liabilities will all be in play as well. If you are putting away money each month this shows that you have excess funds to pay for credit.
Can you confirm that my bankwest mastercard has no foreign transaction fees please.
Hi Scott, it depends on what version of the Bankwest Breeze Mastercard you have. The Bankwest Breeze Platinum Mastercard has no foreign transaction fees. Though the standard and gold versions of the card do.
ex bankrupt out of bankuptcy since march 2017 need credit card upto value of $7000
Hi Jaswant, its hard coming back from bankruptcy. I suggest that you contact your everyday bank where your pay is deposited and see if they can start you off with a small limit. $7k might not be achievable to start. In the end you need to just get approved. Pay it off all the time. Then request credit limit increases over time with good behaviour.
Hello just wondering how long will it take for my credit score to start going up just coming out of discharge bankruptcy last week,all through my bankruptcy ive had little loans aproved with no problem in repayment will this help my score if so how long for my score to go up thx
Hi Allan, your credit score should always be improving with positive credit activity. You may be negative now but it should be moving up with the right activity. In regards to been approved for a credit card. There are no bad credit credit cards in Australia. You need good credit to get approval. The government put responsible lending laws in place that does not allow for lending to people that do not fit minimum criteria. How long it will take will be based on your income v expenses, assets v liabilities and positive credit activity over time. Checking https://www.equifax.com.au/personal/articles/how-long-does-information-stay-my-credit-file. If you are bankrupt, have a debt agreement or personal insolvency the length of time this information remains on file could vary depending upon when the bankruptcy, debt agreement or personal insolvency agreement was entered into and when it ends. Though this can vary per credit reporting agency.
Hello ive just become discharged bankrupt on 20/06/18 am i able to to apply for a credit card
Hi Allan, its unlikely that you would be approved for a new credit card. Its a long road back from bankruptcy. What I suggest is you speak to your everyday bank where your pay is deposited. See if they can assist you with a small credit card limit e.g. $500. In the end its like starting your credit life over again but with a huge negative. It will be slow but with the right use you can get back up there.
I have been discharged bankrupt for 2 years now...is it possible to apply for a credit card with your bank? Thankyou
Hi Angela, I suggest that you speak to your everyday bank where your pay is deposited. See if they can assist you with a small balance credit card. Coming back from bankruptcy is a long road.
I wwas discharged from bankruptcy January 2016 and would like to build my credit score again with a credit card. Would this be possible?
Hi Reannee, its a long way back from bankruptcy. I would speak to your everyday bank where your pay is deposited to see if they can assist with a small limit card.
im discharged bankrupt around 18 months, and after a credit card with a $3000 limit. can u help me
Hi Graham, every persons financial position is unique. Being a discharged bankrupt so recently will have a major impact on your approval. Though key factors such as income v expenses, assets v liabilities will also be in play. If you have not applied (and been declined) for a card then its worth having a go. Though its likely to be a long road back into the credit light.
I am on a disability pension could i apply or does bankwest discriminate as well??
Hi Jo-Anne, I have reviewed the Bankwest site. They do not see the Disability Pension as income. Therefore to apply with Bankwest you will need to meet the minimum income through other means. The Big 4 tend to see the disability pension as income, so review some of those cards. I would suggest you go into your everyday bank and see if they can assist you. Every persons financial situation is unique. You need to show that you have excess funds available to make payments to get approved. Its about income v expenses, assets v liabilities and your credit score amongst a range of other factors.
I have been out of bankruptcy for over a year and I am want a credit card for 2000 do think I would get one
Hi Lisa, its a hard road back from bankruptcy. I would talk to your everyday bank where you have your pay deposited and see if they can help you.
Hi there My husband has been discharged from bankruptcy and would like to get a credit card to start building his credit again. Is this something you would consider? He works full time on 60,000+ per year with no bank marks on his credit file. Thanks Ann
Hi Anna, I always suggest that you speak to your everyday bank first when looking to rebuild your credit. They see his pay go in and sometimes can be more friendly. Bottom line is just start anywhere with any card and make sure all payments are on time. Then your husband can look to a card that more suits his needs as his credit gets stronger.
I have been dischared from bankruptcy for over 18mths now. Have a permanent part time position and would like to know if i would be successful in applying for a low rate credit card. I need to build my credit score for a future home loan.
Hi Reanne, what I would suggest is that you speak to your everyday bank and see if they can give you a credit card with a small limit to start. This is a way to get the ball rolling on rebuilding your credit.
IS THIS CARD SUITABLE FOR A DISCHARGED BANKRUPT ?
Hi Simon, I would speak to your everyday bank first and see if they can assist with a small limit credit card. In the end its a long road back from bankruptcy. I am not an expert at this and I suggest you speak to someone with good knowledge of what is required. Think of it as started from the beginning again but even harder.
Hello. I have just been discharged bankrupt and i am looking for a credit card to rebuild my credit rating. I have been looking at car loans but they want a heap of money up front before loan is given. I just need a company to give me a chance to rebuild. Please can you help
Hi Steven, I would speak to your everyday bank first where you pay goes into. See if they can help you with a card. Bottom line is just coming out of bankruptcy it can be difficult to be approved for a credit card. Though this will depend on a range of factors such as your income v expenses, assets v liabilities. Best of luck with getting approved and rebuilding your credit.
Hi, I have been discharge from Bankruptcy and I am looking to re establish my credit record. I am an Australian pensioner and also receive small overseas pension I wonder if the bank may consider small credit card to start my new credit life. Thanks
Hi Ces, I would speak with your everyday bank where your pensions are deposited and if they can assist. In the end every persons financial situation is unique.
I am trying to get a small credit card I have been bankrupt. It is discharged and Veda said that it will drop off my report next April but wondering if there is any chance in getting a small credit card at all. Thankyou
Hi Julie, to be approved for a credit card you will need good credit. If it is going to drop off your credit report in April, I would suggest you wait until then before applying.
Can i apply a bankwest breeze classic mastercard and i been discharged bankcrupt for 6 n half yrs now.
Hi Arnel, every persons situation is unique. It is definitely hard to be approved for a card post bankruptcy. You can give it a go if you like and see how it works out.
i am after a credit card for my work but my partnership has gone bankrupt. i am now trading as a sole trader and is running well i am asking for a three thousand limit on the credit card paid in full each month if required thankyou rodney allen
Hi Rodney, as far as I know a partnership is very similar to a sole trader but between 2 people. Therefore you would have personally been affected if it went into bankruptcy. If the partnership was a separate pty ltd then this could be a different story. Bottom line, I would get a copy of your credit file and check to see if there are any problems on it. Based on how you go, then you could look to apply for a card if all looks good.
is this card available in australia
Hi Adele - yes it is. You can apply directly online through the Bankwest website - http://www.bankwest.com.au/personal/credit-cards/compare-credit-cards/breeze-mastercard-low-rate-credit-cards
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