Bankwest Breeze Gold MasterCard – Review and Application
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If You Need To Find More Reasons To Take A Closer Look At The Bankwest Breeze Gold MasterCard, Do So Now!
With the Bankwest Breeze Gold MasterCard you get the bank’s longest balance transfer offer ever made. With this low stress credit card life takes on new meaning as the really great terms will show you soon.
When I analysed the Bankwest Breeze Gold MasterCard for the first time a couple of things stood out to me right away. For starters, Bankwest continues to introduce great products for Aussie clients. It is clear that the bank has one thing in mind – customer satisfaction. Their great and AFFORDABLE features often stand miles apart from many of its competitors or which many could take a slice to ‘bake’ their own offers.
Another thing that stood out was the generous long balance transfer offer for a full 0% p.a. for 6 months.
| Product Name | Bankwest Breeze Gold MasterCard | |
|---|---|---|
| Balance Transfer Rate | 0% p.a. for 6 months | |
| Interest Rate on Purchases | 0% p.a. for 4 months (reverts to 11.99% p.a.) | |
| Annual Fee | $89 p.a. | |
| Interest Free Period | up to 55 days | |
| Interest Rate on Cash Advances | 21.99% p.a. | |
| Minimum 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.
|
$5,000 | |
| Max Credit Limit | $50,000 | |
| Minimum Monthly Repayment | 2% | |
| Credit Card Type | MasterCard | |
| Late Payment Fee | $25 | |
| Complimentary Travel Insurance | Yes | |
| Available to Temporary Residents | No | |
| Joint Application | No |
But it doesn’t stop there, the Bankwest Breeze Gold MasterCard offers a great purchase rate to boost!
That’s right! If you ever feel tempted to go a little overboard with your spending urges you can do this with a lot less stress than many other cards. Offering a low interest rates on purchases the Bankwest Breeze Gold MasterCard shines with 0% p.a. for 4 months (reverts to 11.99% p.a.)
More Lite Gold Features:
- Take advantage of the low interest rate credit card with 0% p.a. for 4 months (reverts to 11.99% p.a.) on purchases. Australia’s lowest MasterCard purchase rate.
- Get a full 0% p.a. for 6 months on balance transfers.
- Receive complimentary international travel insurance.
- Affordable for a low $89 p.a. annual fee.
What sets the Bankwest Breeze Gold MasterCard apart from its sisters:
The major difference between the Breeze Classic, a Breeze Gold and a Breeze Platinum MasterCard is that the Bankwest Breeze Gold MasterCard provides you with built in travel insurance and accident insurance protection. The card further comes with automatic purchase protection on any goods you buy. including up to 12 months extra on top of the usual manufacturer’s warranty.
Read the Bankwest Breeze Gold MasterCard terms and conditions.
| Minimum Age | 18 years of age | |
|---|---|---|
| Available to Temporary Residents | No | |
| Credit Rating Requirement | 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. | $5,000 | |
| Max Credit Limit | $50,000 |
| Annual Fee | $89 p.a. | |
|---|---|---|
| Minimum Repayment | 2% | |
| Late Payment Fee | $25 | |
| Over Limit Fee | $30 | |
| Overseas Emergency Replacement | $0 | |
| Overseas ATM Balance check | $5 | |
| Overseas ATM Withdrawal | $5 | |
| Gambling Transactions Allowed | No | |
| Additional Cardholder Fee | $0 | |
| Number of Additional Cardholders | 3 |
Pros
- There is 55 days interest free on purchases provided you've paid your balance in full after you make a purchase on your card.
- After the introductory period purchase rate reverts to 11.99%, which is among the lowest in the market.
- This card comes with complimentary international travel insurance for an annual fee of just $89.
Cons
- There is no rewards program with this card.
Read the Bankwest Breeze Gold MasterCard terms and conditions.
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13 Responses to Bankwest Breeze Gold MasterCard – Review and Application
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Can you please tell me after the 6 months balance transfer of 0%pa would the interest rate go to 11.99% or 21.99% pa thanks
Hi Paul. Thanks for your question. After the balance transfer special rate period, the interest rate reverts to the standard purchase rate. Cheers.
where i live there isn’t a bankwest branch how would i pay my balance & would i get charged any bill payment fee
Hi Richard,
Thanks for the question. The Bankwest Breeze Gold MasterCard terms and conditions say that: “you can make payments to your Card Account: via phone banking and Bankwest Online Banking, via BPAY payment or pursuant [sic] to a Direct Debit Services agreement you make with us; by mail to the address on the Card Account Statement”. In order to not get charged a late payment dishonour fee, your best option is to set your account up with Bankwest Online Banking. You will receive your statements electronically so there will be no waiting for a letter to arrive by mail and your payments will be processed the same or next day significantly reducing your chances of incurring an extra fee for late payments, provided you check your online account regularly. I hope this helps.
Cheers
Jeremy
After the transfer rate period, some banks charge the cash advance interest rate on this amount. What rate do you charge on the transferred amount?
Hi John
After the balance transfer special rate period, the interest rate reverts to the standard purchase rate.
Cheers
Jeremy
please define the term cash advance. is this actual cash withdrawals or is it on goods that are put on the card
regards
jim
Good question Jim. The term cash advance applies to money you withdraw from the ATM using credit or money transferred between you credit and savings account via net banking. Please refer to our guide on credit card cash advances – http://www.creditcardfinder.com.au/cash-advance-interest-rates-credit-cards.html for further information on the subject. Thanks.
Cheers
Jeremy
Hi.Do I lose my awards points if I transfer my balance to you??
Hi Beth. Thanks for your question. If you close your old credit card account (you don’t have to when you carry out a balance transfer to a new card), any accumulated rewards points are forfeit. Sorry for the lateness in this response. Jacob.
is the bankwest breeze gold card linked to frequent flyer points
Hi Ron
There is no rewards program available on the Bankwest Breeze
Cheers
Jeremy
What does the international travel insurance covers and to what limit? Many thanks