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Bankwest Breeze Mastercard
Bankwest Breeze Mastercard

Bankwest Credit Cards

Bankwest Breeze Mastercard

Updated 25 May 2020

The Bankwest Breeze Mastercard offers a low ongoing purchase rate of 12.99% p.a. $79 annual fee and 0% p.a. for 6 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 6 months 2% BT fee applies. reverts to 12.99% p.a.

Annual Fee (p.a)

$79

$0 over 6 months

My transfer amount

Balance transfer from:

My annual fee

My interest rate

Pros and cons

  • 0% p.a. on balance transfers for the first 6 months. 2% Balance Transfer Fee applies. Reverts to 12.99% p.a. New customers only.
  • Low purchase rate of 12.99% p.a.
  • $79 annual fee
  • 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

  • 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. 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.

User reviews

Bankwest Breeze Mastercard ( based on 134 Creditcard.com.au user reviews )

88% rating based on 134 reviews

Rates
Fees
Rewards
Customer Service
Value
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 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 6 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%

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 6 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
  • $79 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

  • 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

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.

141 questions (showing the latest 10 Q&As)

Shargunan Matthew

Shargunan Matthew

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

    Roland

    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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