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 6 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 6 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 $79, 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 6 months with a 2% Balance Transfer Fee.