Bankwest Breeze MasterCard Credit Card – Rates and Fees

Information verified correct on September 28th, 2016
Bankwest Breeze MasterCard Find out more Go to site

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  • Clicking Go to site will take you to your Online Application on the bank's website. You do not need to be an existing customer of this bank to apply.
  • Your application will typically take you no more than 10-15 minutes to complete
  • Once approved, you will typically receive your credit card within 1-2 weeks
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The Bankwest Breeze MasterCard cuts your credit card costs with a low ongoing rate of 8.99% p.a. on purchases, a balance transfer offer and $0 annual fee for the first year. *Limited time only, fees and T&Cs apply.

With a single Bankwest Breeze MasterCard you would be eligible for 3 additional cardholders without incurring a fee.

The MasterCard comes with a Zero Liability policy, which is protection against unauthorised use of the card. Based on the eligibility you may upgrade to the Gold or Platinum card and take advantage of the varied benefits. Platinum cardholders do not charge any fees on foreign transactions.

New applicants can also take advantage of the introductory balance transfer offer of 2.99% p.a. for 9 months.

Product NameBankwest Breeze MasterCard
Balance transfer rate (p.a.)2.99% p.a. for 9 months
Balance Transfer Revert Rate
The interest rate after the balance transfer ends.
Purchase Rate (8.99% p.a.)
Balance Transfer Limit95% of available credit limit
Purchase rate (p.a.)8.99% p.a.
Annual fee$0 p.a. annual fee for the first year ($89 p.a. thereafter)
Interest Free Period
The interest-free period on purchases is the period or number of days you do not have to pay interest on your card purchases. You will be charged interest either from the day you make a purchase or from the statement date, unless you pay the closing balance in full by the due date (or within the interest-free period) on your statement.
Up to 55 days on purchases
Cash advance rate (p.a.)21.99% p.a.
Min credit limit
This is the lowest credit card limit that you can request. It is possible to apply for a higher credit card limit but not a lower one than this figure.
$1,000
Minimum Monthly Repayment2%
Card TypeMasterCard
Late Payment Fee$25
Foreign Currency Conversion Fee (MC)2.95% of transaction value
Complimentary Travel InsuranceNo
Available To Temporary ResidentsNo
Joint ApplicationNo
Minimum Age18 years of age
Available to Temporary ResidentsNo
Credit Rating Requirement
Credit rating requirement is provided only as a guide. Understanding your credit file helps you make more informed decisions in regards to your finances. Learn more about what this means here.
Good
Min Credit Limit
This is the lowest credit card limit that you can request. It is possible to apply for a higher credit card limit but not a lower one than this figure.
$1,000
Annual Fee$0 p.a. annual fee for the first year ($89 p.a. thereafter)
Minimum Repayment2%
Late Payment Fee$25
Over Limit Fee$30
Cash Advance FeeGreater of 2% or $4.00
Overseas Cash Advance FeeGreater of 2% or $4.00
Overseas Emergency Replacement$0
Overseas ATM Balance check$0
Overseas ATM Withdrawal Fee$0
Foreign Currency Conversion Fee (MC)2.95% of transaction value
Gambling Transactions AllowedNo
Additional Cardholder Fee$0 p.a.
Number of Additional Cardholders3
BPAYYes
ChequeYes
Direct DebitYes
Australia PostYes
Phone BankingYes
Internet Banking TransfersYes
In BranchYes
MailYes

Pros

  • Enjoy an annual fee waiver in the first year ($89 p.a. thereafter).
  • This card offers a low ongoing rate of 8.99% p.a. on purchases.
  • Enjoy an introductory balance transfer offer of 2.99% p.a. for 9 months.
  • You're allowed up to 3 additional cardholders at $0 extra charge.

Cons

  • There is no rewards program linked to this card.

Bankwest Breeze MasterCard review

Bankwest Breeze MasterCard could be a good match with a savvy cardholder. Receive up to 55 days interest-free means you don’t pay interest on purchases if you pay the balance back in full every statement period. Interest-free days allow you to repay your purchases at a later date and manage your expenses.

Benefits of the Bankwest Breeze MasterCard

  • Low purchase rate. This card has a low ongoing interest rate of 8.99% p.a. on purchases.
  • Balance transfer offer. The Bankwest Breeze MasterCard comes with an introductory rate of 2.99% p.a. for 9 months on balance transfers. After the introductory period, the interest rate on any outstanding transferred balance will revert to the standard rate for purchases and balance transfers.
  • No annual fee. Cardholders can take advantage of a $0 annual fee for the first year ($89 p.a. thereafter).
  • Interest-free days. The 55 days interest-free allows you to use the card for your regular expenses and you won’t be charged interest if you pay the balance in full every statement period.

Features of the Bankwest Breeze MasterCard

  • International access. It is possible to shop in more than 28 million outlets in countries across the world. Through Breeze’s 24×7 banking services you can shop anywhere, anytime at the comfort of your desk. Foreign transaction fees are also waived for purchases on Platinum card.
  • Easy upgrade options. Depending on your income you can upgrade to Gold or Platinum card and take advantage of many more benefits.
  • Get a supplementary card for a family member. Up to 3 additional cards can be issued for an annual fee of $0 each.
  • Security. The unique security chip on Bankwest Cards provides you a safe transaction environment. You can be assured of not only safe transactions but also protection from unauthorised use of your credit card.
  • Overseas support. If you take this credit card overseas with you, and it’s lost or stolen, Bankwest will arrange for an emergency Bankwest Breeze MasterCard to be sent to you. Emergency overseas card replacement is a complimentary benefit to account holders.
  • PayPass technology. This is a MasterCard credit card. The card is enabled with contactless technology. You can tap your Bankwest Bankwest Breeze MasterCard against a contactless terminal for purchases under $100. There’s no need to enter you PIN to complete the transaction.

How to apply for the Bankwest Breeze MasterCard offer

If you want to take advantage of this deal, you can confirm your eligibility for the Bankwest Breeze MasterCard below. You will be able to confirm the terms of the offer before proceeding with the application. The application should take about ten to fifteen minutes to complete. When you submit the online form, Bankwest should contact you within minutes to let you know whether you’ve been approved, declined or conditionally approved.

Eligibility criteria

      • Be over the age of 18
      • Be a permanent Australian resident
      • Have a good credit rating

Required documents

      • Two or more forms of identification – accepted forms of identification include: driver’s licence, Medicare card, passport or Australian birth certificate
      • Details of your employment – this includes your employer’s contact details and contact information
      • Details about your finances, including income and expenses

What happens next and the processing of your offer application

As long as you apply and complete the application in full from finder.com.au, you may then be asked to verify your ID and supporting documents to Bankwest, which can be done in-store by simply having the necessary documents sighted and verified and sent across by a branch representative. Given that you have met the requirements and have completed an application from start to finish on finder.com.au, from here your application will move forward and once your card has been sent out and approved – the offer will then automatically processed and honoured on your new account.

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Rates last updated September 28th, 2016
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