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Bankwest Breeze Mastercard
Bankwest Breeze Mastercard

Bankwest Credit Cards

Bankwest Breeze Mastercard

Updated 24 May 2022

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 a first year annual fee waiver.

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.
  • First year annual fee waived. Reverts to $49 p.a. 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&trade

  • No complimentary insurances or rewards

Creditcard.com.au review

Editor Review

Bankwest Breeze Mastercard

Pauline Hatch
Pauline is a personal finance expert at CreditCard.com.au, with 8 years in money, budgeting and property reporting under her belt. 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 will benefit from the first year annual fee waiver, 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.

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 up to 55 interest-free days on purchases.

User reviews

Bankwest Breeze Mastercard ( based on 137 Creditcard.com.au user reviews )

87% rating based on 137 reviews

Rates
Fees
Rewards
Customer Service
Value
0%

Ok

9 November 2021

Ok

Recommends this card
93%

Creditcard.com.au 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
81%

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

Brands 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 N/A

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

Extras

Price Guarantee Scheme

Overview

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.
  • First year annual fee waived. Reverts to $49 p.a. 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&trade

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

Pauline

Pauline is a personal finance expert at CreditCard.com.au, with 8 years in money, budgeting and property reporting under her belt. Pauline is passionate about seeing Aussies win by making their money – and their credit cards – work smarter, harder and bigger

Recently Asked Questions

Something you need to know about this card? Ask a our credit card expert a question.

172 questions (showing the latest 10 Q&As)

Keith Adams

Keith Adams

23 May 2022
If I borrow 3000 and pay it off within 16 weeks how much do I pay if I bootie 3000 on card
    Pauline - CreditCard.com.au

    Pauline

    24 May 2022
    Hi Keith, first you need to consider the credit limit you’ll be approved for and this depends on some factors that Bankwest needs to consider. Second, if you’re approved, you need to pay at least the minimum amount on or before the due date each month indicated on your statement to enjoy the 0% p.a. offer for purchases. To work out an estimate of your repayments you can use our handy credit card repayment calculator.
Col Baker

Col Baker

20 May 2022
I am 79 years old and have a perfect credit record. Does my age preclude me from your credit transfer offer? I have a credit deficit of 2800 dollars at present.
    Pauline - CreditCard.com.au

    Pauline

    23 May 2022
    Hi Col, you've reached Australia’s leading credit card comparison and not Bankwest. To discuss any personal information please contact them by phone on 13 17 19.
Jacqueline

Jacqueline

13 May 2022
Hi pauline, I would just like to ask about the Breeze credit card, what is the fee involved if I don't pay the full amount off in full when it comes to the due date for the credit card bill?
    Pauline - CreditCard.com.au

    Pauline

    18 May 2022
    Hi Jacqueline, good question! I checked Bankwest Breeze Mastercard and see that currently they have a 0% p.a. on purchases and balance transfers for 15 months. This means that if you have made purchases and pay the minimum amount indicated on your statement on or before the due date, you will not be charged any interest. There is a $25 late payment fee, but Bankwest may charge you extra depending on how much debt you have accrued on the card. Hope this has helped!
Matt

Matt

7 May 2022
hi, I have an existing bankwest credit card, can i move from my existing card over to the breeze mastercard and my exisitng balance?
    Pauline - CreditCard.com.au

    Pauline

    9 May 2022
    Hi Matt, it states on Bankwest Breeze card’s balance transfer terms that you can only transfer balances from other AU financial institutions. I also see that the current offer is only available to new customers only. If you’re keen to get to do a balance transfer, you can use our balance transfer credit cards comparison tool to view your options.
Elaine

Elaine

27 April 2022
Does the balance transfer also include personal loans? Thanks
    Pauline - CreditCard.com.au

    Pauline

    27 April 2022
    Hi Elaine, I checked on Bankwest Breeze Mastercard and see that it does not allow balance transfers from personal loans. There are a number of cards that allow you to transfer balances from personal loans, including Citi and providers with credit provided by Citi. These include Qantas, Kogan, Coles and Virgin. You can use our comparison tool to view the current Citi cards or you can also check the other cards we currently have access to that offer balance transfers for your options.
Justine

Justine

15 March 2022
If I want to transfer my balance of a $5000 limit, could I increase the limit to $10000?
    Pauline - CreditCard.com.au

    Pauline

    16 March 2022
    Hi Justine, you’ve actually reached Creditcard.com.au, Australia’s leading credit card comparison and information site. Your credit limit will be set by the issuing bank based on several factors. With Bankwest you can request a balance transfer at the time of your application. You can only transfer up to 95% of your approved credit limit with the Bankwest Breeze Mastercard. That means your approved credit limit should at least be $5300 to be able to transfer a $5000 balance. However, all these factors will be decided by Bankwest. Good luck with your debt consolidation.
Vic

Vic

5 March 2022
I have two credit cards debts and I want to combine them into one credit card balance transfer, is this possible
    Pauline - CreditCard.com.au

    Pauline

    7 March 2022
    Hi Vic, yes you can do multiple balance transfers. However you can only transfer balances up to a certain percentage of your approved credit limit. For Bankwest Breeze Classic, you can transfer up to 95% of your approved credit. For example, if you are approved for $5,000, you can transfer up to $4,750. Also, please note that you can request for balance transfers during your card application, and balance transfers are still subject to approval by the bank and availability of the promotional period.
Damian

Damian

4 March 2022
is there any fees or charges if i use Pay with your compatible device using Apple Pay, Samsung Pay, & Google Pay&trade as a small business owner
    Pauline - CreditCard.com.au

    Pauline

    4 March 2022
    Hi Damian, as a consumer, the costs of your transaction is absorbed by the business. This varies from 1-2% depending on what network is used. The charges for a small business owner will depend on your EFTPOS provider.
Dawn

Dawn

25 February 2022
I applied for your credit card but was told you couldn't offer me one. I'd like to find out why and if I can send more info or whatever you need to be offered a card. Kind Regards, Dawn
    Pauline - CreditCard.com.au

    Pauline

    2 March 2022
    Hi Dawn, you’ve reached Creditcard.com.au, Australia’s leading credit card comparison and information site. Banks generally won’t comment on declined applications but if you want to call Bankwest directly at 13 17 19 they may supply more information about your application. Let us know how you go!
Christine Bleijie

Christine Bleijie

22 February 2022
Hello I am interested in a balance transfer Bankwest Breeze Mastercard. Do you allow for self employed people to apply for this card?
    Pauline - CreditCard.com.au

    Pauline

    23 February 2022
    Hi Christine, I checked Bankwest Breeze’s eligibility criteria and it does not specify anything about being employed or self-employed, except that you need to have a regular income of at least $15000 annually. You may need to let Bankwest know your accountants details. Other criteria include at least 18 years of age, and an AU permanent resident. Hope this helped!
Thomas Reekie

Thomas Reekie

19 February 2022
I have a breeze MasterCard. Limit $30000. What is the daily transaction limit. I have a medical bill of almost $5000. Can I pay this with ny breeze card. Thanks
    Pauline - CreditCard.com.au

    Pauline

    22 February 2022
    Hi Thomas, there’s no limit on how much you can use on your Bankwest Breeze card. As long as you have enough available credit limit, you can use it all. For detailed information about this, you can reach out to Bankwest directly at 13 17 19.
Mar iian

Mar iian

9 February 2022
I am looking for a low interest credit card v to use to purchase flights etc over the net. Flights purchased d would they attract the o % interest for 15mths
    Pauline - CreditCard.com.au

    Pauline

    11 February 2022
    Hi Mar, you’ll get 0% interest on your purchases from your card activation. You’ll need to pay the minimum each month to keep this feature active. The other feature of this card is the low purchase rate of 9.90% p.a. which is relatively low for a credit card. Safe travels!

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