- 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&trade
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Bankwest Credit Cards
Bankwest Breeze Mastercard
Updated 20 January 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 $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.
Pros and cons
- 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 Ask Pauline a Question 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.
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
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
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.
- 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&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 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.
Ask a question159 questions (showing the latest 10 Q&As)
Can i do a 40,000 balance transfer or is there a limit on this card?
Hi M, you may do a balance transfer depending on your approved credit limit. For Bankwest Breeze Mastercard, you can do a balance transfer up to 95% of your available approved credit limit. In order to transfer $40,000, you must have an approximate $43,000 credit limit available. Please also keep in mind that balance transfer requests are still subject to approval by the bank and availability of the promotional period. Hope this helped!
Regarding bankwest breeze,
Hi Emma, how can I help? You can also click the green Go To Offer button at the top of this page to get more information about the Bankwest Breeze Mastercard, its terms, conditions and TMD.
Can I pay off other loan debts from day latitude pay or another loan using this credit card so I can make most of the 15 months of 0% interest?
Hi Paige, Bankwest only allow you to transfer credit card and store card balances as part of their offer. You can in fact transfer loan balances to Citi cards or cards backed by Citi like Qantas, Coles and Virgin Money. If you're looking for a similar Balance Transfer and Purchase rate offer, Citi currently have 0 for 14 on both with the Citi Rewards Card, or a 36 month balance transfer on the Citi Clear Credit Card. Best of luck with whatever card you go with!
Hi, The interest free purchase for 15 months starts from when?
Hi Hassan, generally speaking the 0% p.a. in purchases promotional period starts from either when you apply or when you activate the card. We looked through the Bankwest T&C’s but the documents made no mention of this. The minimum amount indicated on your statement should be settled on or before every statement's due date to enjoy the interest free days.
I want to purchase a mastermind course with a trading company in the USA would that be an eligible purchase? Or if not could I purchase it on my HSBC card and do a balance transfer from there?
Hi Kate, super interesting question. So we dug into the Bankwest T&C’s and it looks like the introductory offer applies to anything that isn’t considered a “cash transaction”. Keep in mind that you will also incur a 2.95% foreign transaction fee. Due to the nature of our business we can’t comment on your personal situation, it might be worthwhile calling them on 13 17 19. If you get an answer let us know, as we’d love to write a guide on avoiding interest on overseas purchases.
In the above features it lists 0% on purchases for 15 months, and in another section it lists 55 days interest free on purchases. Are there certain purchases that don’t fit the 15 month criteria?
Hi Zara, good question! The 55 days interest free period is a duration where there’s no interest will be charged on new purchases. With a card like this, this feature will be available after th 15 months promo has ended. However, this is only applicable to eligible transactions and to enjoy this feature, you need to settle the minimum amount on or before the due date indicated on your statement monthly. Whereas the 0 percent offer on purchases offer no interest for purchases made on the specified promotional period. Eligible transactions are payments you make towards your groceries, your car’s petrol, a restaurant bill, and many more. Anything classified as a “cash transaction” won’t be eligible for the promotion. The 0 percent offer starts on the day your credit card is activated and the 55 interest free period starts on the date the purchase first appeared on your statement and ends on the due date for payment on that statement. Here’s an example. Let’s say your statement period starts on the 23rd. If you purchase an item on the 23rd of the month, it will receive the maximum 55 days interest free period. An item purchased on the 24th will receive 54 days interest free, and so on. Hope this has helped.
Will I be able to transfer balances from Latitude GO and Zip ? or is it 0% is only for one transfer ?
Hi Zameel, I checked this and I’m sorry to be the bearer of this however Bankwest doesn’t accept transfers from Zip. Your best route is to check the different Citi credit cards that support this feature, such as the Citi Clear Card or any card that is backed by Citi e.g. Coles, Qantas, and Virgin Money. If you are only looking to consolidate your Latitude GO card, then you can request this account to be transferred with the BSB of 443887. Hope this helps!
Would I be able to transfer my Zip balance over.
Hi Sharon, transferring your Zip balance to Bankwest isn’t currently possible. However, it is possible to transfer Zip to a Citi credit card like the Citi Clear Card or any card that is backed by Citi e.g. Qantas, Coles and Virgin Money. This is because both services Zip offer are classified as lines of credit. Hope this has helped!
Is the 0% interest on purchases for BankWest Breeze card applicable to all purchases or selected purchases only? Would it apply if I purchased a Rolex watch?
Hi Frank, purchasing a Rolex watch is considered an eligible purchase and is a very unique use of a 0 percent card. Of course this rests on your approved credit limit from Bankwest. Enjoy your watch!
How can I check my application
Hi Jessica, you can reach out to Bankwest directly at 13 17 19 to check on the status of your application.
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
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!
Is there a transaction fee if I use the Bankwest Breeze Mastercard to buy online?
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.
Hi, Just wondering how much Is the max amount on this card thanks
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!
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
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.
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?
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.
do i need a savings acount to apply for a credit card with your bank
Hi Mellisa, thanks for your question! Different cards have different eligibility criteria. I’d suggest reaching out to the bank to check on this.
What is the maximan amount you can transfer
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.
I note the 0% p.a. for 15 months on purchases is for an introductory period. How long is the introductory period?
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.
does the 26mths balance transfer still apply to BankWest?
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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Recommends this cardCreditcard.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