Bankwest Breeze MasterCard Credit Card – Rates & Fees

Rates and Fees verified correct on March 26th, 2015
Bankwest Breeze MasterCard Find out more Go to site

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What happens when I click Go to site?
  • 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
Click here to start your application >>

The Bankwest Breeze MasterCard offers competitive interest rates with a low annual fee.

The Breeze MasterCard aims to help to you save your money on interest and leverage a competitive balance transfer rate. With a single 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 card holders do not charge any fees on foreign transactions.

Product NameBankwest Breeze MasterCard
Balance Transfer Rate0% p.a. for 4 months
Balance Transfer Revert Rate
The interest rate after the balance transfer ends.
Purchase Rate (12.24% p.a.)
Interest Rate on Purchases12.24% p.a.
Annual Fee$59 p.a.
Interest Free Period
on Purchases
The Interest free period on purchases is the period or number of days you don't have to pay interest on your card purchases. This would usually start from the first day of your credit card statement and not when the purchase is made.
up to 55 days
Interest Rate on Cash Advances21.99% 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.
$1,000
Maximum Credit Limit
This credit limit may not be issued to you immediately on application. This is the maximum credit limit for this card which must be applied for or offered to you after you are approved and have already opened the account.
$25,000
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 RequirementGood
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
Max Credit Limit
This credit limit may not be issued to you immediately on application. This is the maximum credit limit for this card which must be applied for or offered to you after you are approved and have already opened the account.
$25,000
Annual Fee$59 p.a.
Minimum Repayment2%
Late Payment Fee$25
Over Limit Fee$30
Cash Advance FeeGreater of 2% or $4.00
Overseas Emergency Replacement$0
Overseas ATM Balance check$0
Overseas ATM Withdrawal Fee$4
Foreign Currency Conversion Fee (MC)2.95% of transaction value
Gambling Transactions AllowedNo
Additional Cardholder Fee$0
Number of Additional Cardholders3
BPAYYes
ChequeYes
Direct DebitYes
Australia PostYes
Phone BankingYes
Internet Banking TransfersYes
In BranchYes
MailYes
Pros
  • This card offers 0% p.a. for 4 months for balance transfers. It then reverts to a low interest rate of 12.24% p.a..
  • The annual fee is $59 only.
  • This card allows up to 3 additional card holders at $0 extra charge.
Cons
  • There is no rewards program linked to this card, but Bankwest are not targeting the rewards segment of the market with this card.

Bankwest Breeze MasterCard Review

Bankwest Breeze MasterCard could be suitable for the savvy cardholder. With 0% p.a. for 4 months balance transfer, the revert rate of the balance is the purchase interest rate. 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.

One of Australia’s lowest ongoing MasterCard purchase rate.

  • 12.24% p.a. on purchases - Alongside the balance transfer promotional offer, you will pay 12.24% p.a. on purchases you make with the card.
  • Interest free days - The ongoing purchase rate of interest will be charged when you use the card to buy an item if you’re carrying a balance from the previous month once the purchase rate promotion has expired.
  • A low annual fee - The Bankwest Breeze Classic MasterCard has an annual fee of only $59 p.a.

Features of the Breeze MasterCard

  • Balance transfer revert rate - If you still have a balance left over from your balance transfer period, the balance will revert to the interest rate on purchases.
  • 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.
  • Up to 55 days interest-free - The up to 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. However, keep in mind that interest free days are generally void if you process a balance transfer.
  • 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.
  • Competitive annual fees - The annual fee for this card is $59 p.a.
  • Easy upgrade options - Depending on your income you can upgrade to Gold or Platinum card and take advantage of many more benefits.
  • Additional accounts - It is possible to add up to 3 additional cardholders at no extra
    charge.

How to apply for the Breeze MasterCard

You can apply for Bankwest Breeze MasterCard online by clicking on ‘Go to site’.The eligibility criteria for the credit card are:

  • Age. The minimum age is 18 years.
  • Residents. It is available for only permanent residents of Australia.
  • Credit history. The applicant should have good credit history.
  • Credit limit. The minimum credit limit is $1,000 and the maximum credit limit is $25,000.

The required documentation for applying for the credit card is:

  • Minimum two forms for identity proof – Driver’s Licence, Medicare, Passport, Australian Birth Certificate.
  • Employment details along with number of years of employment and contact details.
  • Financial details including income, expenses and assets.

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This page was last modified on 8 January 2015 at 14:06.

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235 Responses to Bankwest Breeze MasterCard Credit Card – Rates & Fees

  1. Default Gravatar
    Rachel | October 20, 2014

    Hi. Is there a minimum amount you need to have in credit on your card at all times? This question is referring to the Platinum version. Thanks.

    • Staff
      Elizabeth | October 20, 2014

      Hi Rachel,

      Thanks for your question.

      There is no minimum amount you need to spend to keep your credit card active. With this credit card you will be charged a $59 annual fee regardless of how much you spend and the minimum available credit limit is $1,000.

      Hope this has helped.

      Thanks,

      Elizabeth

    • Default Gravatar
      Rachel | October 20, 2014

      Thanks Elizabeth. I don’t think I articulated myself properly. My question is does there need to be a minimum available in credit? For example, if my total credit limit is $20,000, and I have already spent $15,000, leaving my available credit at $5,000, is there a minimum you need to have in reserve in your available credit balance? Is there a penalty if I continue spending until my available credit is at $0 instead of the $5,000?

    • Staff
      Elizabeth | October 20, 2014

      Hi Rachel,

      Apologies, I misunderstood. As long as you don’t go over your available credit limit there is no minimum you need to have available. Say, in your example, you have $20,000 credit available, you will be able to spend the entire $20,000 even if that means you have $0 available credit left. Just make sure you have credit available to pay the annual fee as this will be charged to your card account.

      I hope this has cleared things up.

      Thanks,

      Elizabeth

  2. Default Gravatar
    Steph | October 8, 2014

    Permanent residency does that include NZ citizens who come here on a special visa and have been here long term have solid employment history no intention of leaving but have found red tape involved in applying for permanent residency too arduous to contemplate

    • Staff
      Elizabeth | October 8, 2014

      Hi Steph,

      Thanks for your question.

      I think you’re referring to the SCV Visa? This Visa technically does not classify you as a permanent resident, and as this card requires you to be a permanent resident you may not qualify. You may want to get in contact with Bankwest to discuss your situation before you apply.

      Hope this has helped.

      Thanks,

      Elizabeth

  3. Default Gravatar
    Liz | September 18, 2014

    Hi,
    With regard to income evidence, do i need to provide statements etc. or is providing my income and assets verbally sufficient for the application?

    • Staff
      Shirley | September 19, 2014

      Hi Liz,

      Thanks for your question.

      You’ll need to provide copies of your payslips and in some cases a letter from your employer confirming your income.

      Cheers,
      Shirley

  4. Default Gravatar
    Erin | September 4, 2014

    Is there a minimal income limit?

    • Staff
      Shirley | September 5, 2014

      Hi Erin,

      Thanks for your question.

      At the time of writing, the minimum income limit for this card is $1,000.

      Cheers,
      Shirley

    • Default Gravatar
      | September 9, 2014

      So it’s only $1000 for a monthly income requirement?
      I am eligible if I get that much per month on a new start benefit???

    • Staff
      Shirley | September 10, 2014

      Hi Erin,

      The minimum credit limit isn’t a reflection of the income requirement. Your credit limit is an allocated figure that Bankwest thinks you can pay back comfortably.

      You won’t be able to rely on Centrelink payments solely. You will need supplementary income to be eligible for this card. I’d recommend that you get in touch with Bankwest to discuss your options.

      Cheers,
      Shirley

  5. Default Gravatar
    nat | August 25, 2014

    If you can have additional card holders on the bank west low rate credit card then is it possible to transfer a balance from one of the additional card holders other credit cards with another bank?

    • Staff
      Shirley | August 27, 2014

      Hi Nat,

      Thanks for your question.

      This is possible if you apply for a credit card that allow joint applications. Please note that not all lenders offer this feature.

      Please see this page for more information.

      All the best,
      Shirley

  6. Default Gravatar
    Henry | August 21, 2014

    Hi, is there any way of saving a partly completed application? I just had to minimise the application window to use my laptop’s calculator and when I restored it, I’d lost what details I’d entered and was back at the start application screen.

    • Staff
      Shirley | August 22, 2014

      Hi Henry,

      Thanks for your question.

      On the application page, there is another tab that says “retrieve application” towards the top left hand corner. Please try clicking that.

      Cheers,
      Shirley

  7. Default Gravatar
    Craig | August 18, 2014

    What is the minimum monthly payment required on the balance?

    • Staff
      Shirley | August 19, 2014

      Hi Craig,

      Thanks for your question.

      The minimum repayment for this card is 2% of the outstanding balance.

      Best,
      Shirley

  8. Default Gravatar
    Susan | July 28, 2014

    How much can you transfer from another credit card

    • Staff
      Shirley | July 29, 2014

      Hi Susan,

      Thanks for your question.

      This depends on the bank and what your new approved credit limit. Please see this page for more info.

      Cheers,
      Shirley

  9. Default Gravatar
    Michael | June 30, 2014

    I am on a DSP pension does this rule me out off the bankwest visa card with a min limit ??

    • Staff
      Shirley | June 30, 2014

      Hi Michael,

      Thanks for your question.

      If you receive the DSP pension you may still be eligible. You’ll need to have a supplementary income as you can not rely on the pension alone to meet the income requirements.

      Cheers,
      Shirley

  10. Default Gravatar
    neets | June 29, 2014

    Can I do a balance transfer from two cards to one?

    • Staff
      Shirley | June 30, 2014

      Hi Neets,

      Thanks for your question.

      Yes, generally you can. But you may have to coordinate the transfer yourself. This means contacting each of your old creditors and informing them of the transfer, having them sign the forms, and turning them over to your new issuer.

      Cheers,
      Shirley

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