Bankwest Breeze MasterCard Credit Card
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The Bankwest Breeze MasterCard offers a guaranteed low rate to help you manage your credit card debt.
Bankwest is a respected regional bank, having a strong presence in Western Australia. They do operate all across the country, and provide a range of credit cards for all Australians.
If you are looking to minimise or get rid of debt then the Bankwest Breeze MasterCard is a viable credit card because of its low purchase & balance transfer rates. The object of paying off debt is to save money wherever you can so this makes perfect sense.
The Bankwest Breeze MasterCard is an entry level credit card from the bank, aimed at the more budget conscious customer. Read on to find out the primary features of this card.
Reduce stress with a guaranteed low rate credit card. Now just 0% p.a. for 4 months (reverts to 11.99% p.a.) on purchases.
| Product Name | Bankwest Breeze 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 | $59 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.
|
$1,000 | |
| Max Credit Limit | $25,000 | |
| Minimum Monthly Repayment | 2% | |
| Credit Card Type | MasterCard | |
| Late Payment Fee | $25 | |
| Complimentary Travel Insurance | No | |
| Available to Temporary Residents | No | |
| Joint Application | No |
- 0% p.a. for 4 months (reverts to 11.99% p.a.) on purchases
- 0% p.a. for 6 months on balance transfers
- 21.99% p.a. on cash advances
- A low $59 p.a. annual fee.
- Up to 55 days interest free on purchases.
- Up to 3 additional cardholders – free!
- 24/7 account access via Bankwest Online Banking
- Use your Bankwest Breeze MasterCard at over 28 million outlets worldwide.
- Upgrade to Platinum to enjoy complimentary travel insurance with unlimited medical expenses and up to $25,000 cover for loss/damage/theft
Read the Bankwest Breeze MasterCard terms and conditions.
Upgrade to the Gold or Platinum version:
If you earn enough income you might even be lucky enough to be upgraded to the Bankwest Breeze Gold MasterCard or the Bankwest Breeze Platinum MasterCard.
See what you get extra with the Bankwest Breeze Gold MasterCard:
- Travel with peace of mind and confidence thanks to the built-in airline travel and accident insurance protection.
- Receive automatic purchase protection on any goods you buy with the card.
- Get up to 12 months extra on top of the usual manufacturer’s warranty.
- MasterCard Moments – great offers and discounts.
- Annual card fee of $89 p.a..
See what you get extra with the Bankwest Breeze Platinum MasterCard:
For the ultimate in Bankwest credit card, the following features will have you covered.
- Have your own 24/7 concierge service to help you arrange travel, bookings, shopping and medical services with a convenient toll free number 1800 038 298.
- The built-in airline travel and accident insurance protection will keep you covered wherever you are in the world.
- Get automatic purchase protection on any goods you buy.
- MasterCard Moments – great offers and discounts.
- Annual Fee of $99 p.a..
Since this is a bare-bones card designed to be low cost, there are no reward programs options. Some of the features in higher-end cards are also missing, such as complimentary travel insurance and purchase protection (which provides insurance cover for items which are purchased with this card against accidental damage or theft).
Overall, the Bankwest Breeze MasterCard succeeds in providing good value in its chosen niche. For a small annual fee customers get access to a low interest rate card which also has good balance transfer options and up to 55 interest free days on purchases. And since this is a MasterCard, it comes with extra protection from credit card fraud and the famous ‘zero liability guarantee’ from MasterCard.
Bankwest Breeze MasterCard Review
Having received top marks by Money Magazine, the Bankwest Breeze MasterCard ensemble is set to impress even the ficklest of credit card shoppers. Take a look at the features of this lite card and see which of them – three in all – suits your needs best.
The inexpensive options that come with ownership of this card are what makes it such a big money saver. Think about how much extra money you would have for other bills and expenses if your credit card had lower fees and lower interest rates. The experts agree that the biggest perk of this card is that it is easy on your wallet.
Balance transfers are another one of the ways the Bankwest Breeze MasterCard saves you money. When you have credit card debt you wind up spending wads of cash on interest. This interest can add up to hundreds maybe even thousands of dollars over the months or years that it takes to pay it off. If you were to transfer that balance so the rate was only 0% p.a. for 6 months you can take advantage of that cheap rate so you could save enough to pay off that full debt within the balance transfer period. Then, not only would you come out free of credit card debt, but you would still have an excellent award winning card in your wallet.
The Bankwest Breeze MasterCard comes in Platinum, Gold, or Classic your income and credit file will determine which one you get. But, you do not have to figure out eligibility, just log on to the Bankwest website and you can fill out the easy application. They figure out which cards you qualify for and then give you your options. At Bankwest their goal is to offer high quality credit cards, ones with fair interest rates for their customers. They try to make card ownership easy by streamlining their application process. One of their motto’s is, “Lower stress means happiness” and it is true. If you are free from the worry of high interest rates and complex regulations you can breath a whole lot easier.
What are the advantages of a low purchase rate?
A low purchase rate helps to keep things under control. With the lead up to Christmas, in fact, any time of the year it’s good to be given a break on the interest. The Bankwest Breeze MasterCard currently has an introductory rate of 0% p.a. for 4 months (reverts to 11.99% p.a.) months, with an extremely competitive go to rate.
So, at the same time as paying off your balance transfer you can rest easy knowing that you are paying the same competitive interest rate on purchases as you are on your balance transfer.
Is the Bankwest Breeze MasterCard available in Gold or Platinum?
Yes, the Bankwest Breeze MasterCard is available in Gold or Platinum.
How do I apply for a Bankwest Breeze Classic, Breeze Gold or Breeze Platinum MasterCard?
Simply go to the Apply Now link above and to start your online application. We’ll work out if you’re eligible for a Bankwest Breeze Classic, Breeze Gold or Breeze Platinum MasterCard from the information you provide in your credit card application. We will let you know which cards you’re conditionally approved for and you can choose the one you want.
What are the additional benefits of the Bankwest Breeze Gold and Breeze Platinum MasterCard?
Along with the great benefits offered on the Bankwest Breeze MasterCard, the Bankwest Breeze Gold MasterCard provides you with built in travel insurance and accident insurance protection. It also comes with automatic purchase protection on any goods you buy, including up to 12 months extra on top of the usual manufacturer’s warranty.#
A Bankwest Breeze Platinum MasterCard has all the benefits of the Bankwest Breeze Gold MasterCard, but in some instances there is a higher level of cover. PLUS it comes with 24/7 concierge service to help you arrange travel, bookings, shopping and medical services.^
Read the Bankwest Breeze 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. | $1,000 | |
| Max Credit Limit | $25,000 |
| Annual Fee | $59 p.a. | |
|---|---|---|
| Minimum Repayment | 2% | |
| Late Payment Fee | $25 | |
| Over Limit Fee | $30 | |
| Overseas Emergency Replacement | $0 | |
| Overseas ATM Balance check | $0 | |
| Overseas ATM Withdrawal | $4 | |
| Foreign Currency Conversion Fee | 2.95% | |
| Gambling Transactions Allowed | No | |
| Additional Cardholder Fee | $0 | |
| Number of Additional Cardholders | 3 |
Pros
- This card offers 0% interest rate for 4 months when you use your card to make a purchase. It then reverts to a low interest rate of 11.99%.
- 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.
Read the Bankwest Breeze MasterCard terms and conditions.
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With the BankWest Lite Mastercard. With the bank transfer at 5.99%, if I transfer $10000, and if within the 12 months we only pay $8000, does the 10.75% go on the original $10000 or the remainder $2000? Thank you.
Im a new customer to Bankwest would you guys waive the annual fee for the first year?
Hi Sam
Thanks for your comment.
This is something that you could try negotiate directly with Bankwest. There is however a no annual fee credit card from Bankwest: Bankwest Zero MasterCard
I’d love to hear how you go with your negotiations! Good luck :)
Cheers,
Jeremy
Hi, just want to know after 6 months, what annual percentage the balance transfer rate will revert to?
Hi Fyodor
Thanks for your comment
The current balance transfer rate lasts for 6 months with the Bankwest Breeze MasterCard. At the end of the balance transfer period, it reverts to the purchase rate.
Cheers
Jeremy
How can it claim to be up to 55 days interest free but in the Fees & Repayments section state that interest is charged from purchase date.
I’ve noticed this on other cards as well.
/B
Can I transfer my wife’s card balance as well as my own
Hi Andrew. Check out page, ‘Can I Balance Transfer a Credit Card from my Partner (Husband or Wife)’ for further information. Thanks for the question.
I haven’t been able to establish how to find out if a merchant falls under the handful of merchant codes included in the cashback promo or not, and Bankwest won’t provide a list. Anyone any ideas?
Hi Alex. Sorry for the delay in this answer. According to the terms and conditions (they’ve been sent to your email), ‘Eligible purchase means: purchases at grocery stores, petrol stations and on utility bills where one or more of the following MasterCard Merchant Category Codes apply: 5411-Grocery Stores & Supermarkets, 5541-Service Stations, 4900-Utilities, 5499-Miscellaneous & Special Food Stores, 5172-Petroleum & Petroleum Products, 5542-Automated Fuel Dispensers (category codes are subject to change). Excludes balance transfers, cash advances and business-related purchases.’ Hope this helps. Jacob.
will i be charged a transfer fee from westpac or you to change my credit cart to bankwest ?
Hi Jane. Thanks for your question. There is no fee for carrying out a balance transfer between these two institutions.
Are you able to make payments at your local post office in any state?
Hi Jessica,
Thanks for the question. You are unable to make payments at your local post office. According to the terms and conditions you are able to make payments via phone banking or online banking, via BPAY or other agreed direct debit services, by mail to the address on the card account statement or at any Bankwest branch, authorised agents or Bankwest ATM’s. Cheers.
Jeremy
What is the charge for paying the Bankwest Breeze credit card late?
Hi Aileen
The late payment fee for the Bankwest Breeze is $25
Cheers
Jeremy
Hi,
What is the balance transfer fee?
Thanks
Hi,
There are no fees for performing a balance transfer, only the associated interest payments. Thanks for your question.
Cheers
Jeremy
What is the minimum repayment on the balance transfer principle excluding the interest for the Bankwest breeze mastercard
Hi,
This will depend on how you use the card. On top of the balance transfer repayments there will be interest incurred for purchases and the annual fee payment which should show up on one of the first two statements. Cheers.
Jeremy
If I use this card to pay off a personal loan, would the interest rate be the 11.99% rate for purchases or would it be classed as a cash advance and be on the 21.99% rate?
Thanks
Hi,
Thanks for the question. You are not able to bring the outstanding balance of your personal loan to a Bankwest Credit Card under the balance transfer feature, this would result in the outstanding balance being charged at the cash advance rate which is far from ideal. Citibank do allow you to bring the balance from a personal loan to their credit cards under the balance transfer feature changing a low rate of interest. Please refer to our personal loan finder page where you can view offers from providers that offer a personal loan for that reason. I know that Bankwest offer a unsecured loan for this purpose. http://www.personalloanfinder.com.au/ – Cheers.
Jeremy
which is better this card or the westpac low interest one ? this has a low interest but westpac one has none for 6 months but back to 13pa after that
Hi Anthony. I can’t comment on which card I think is better as everybody has different needs and circumstances and will require a credit card product to reflect that. Please compare your options – including the purchase rate – annual fee – balance transfer rate – interest free promotions and additional benefits to find that’s going to serve you best. You can compare cards side by side on our main page. Click the box to the left of the card and click compare to see a side by side comparison. Jacob – sorry for the delayed response.
What rate does the balance transfer revert to following the 6 month initial period
Hi,
After the balance transfer period the interest rate reverts to the standard purchase rate of interest. Cheers.
Jeremy
What would the monthly payment be on a transfer of $13.000.
Hi Merilyn. Please refer to our credit card repayment calculator for more information. Thanks for your question.
What rate does the 0% revert to after the period finishes – is it 10.99%
Hi,
At the end of the balance transfer period, any balance that has not been repaid will be charged at the standard variable interest rate. Cheers.
Jeremy
what will occur between the period of balance transfer and receipt of new credit card? will I be able to use my current credit card until I receive the Bankwest MCard? Im concerned that I wont have access to credit in the 2 week issuing period
Hi Julie. Yes, you will be able to use your card as normal, provided that you have available credit on your old card. For information on what happens after a balance transfer, please watch this video. Jacob.
If accepted by Bankwest what happens to points from my existing c/c rewards?
Hi Jan. Which card provider do you have? Generally when you close an account you will loose the rewards associated with that account. If you’re applying for a new card with the same provider, you can keep your points, or if you’re applying for a frequent flyer credit card with a separate rewards membership program, like Qantas or Velocity, you can link your membership to different cards with different providers. If you can provide more information I can give you a specific answer. Regards. Jacob.
Hi,
Is there an international transaction fee for this card?
Hi Corinne. Thanks for your question. Yes, this card does have an international transaction fee of 2.95%. The Bankwest Platinum range of cards however, do not have this fee.
what will be the interest rate for balance transfers after the first nine months
Hi Vineet. Thanks for your question. After the nine month introductory balance transfer period, the interest rate will be charged at the purchase rate of interest. Cheers.
i am aged pensioner. Income $18600 balance transfer $2600. would this be accepted?
Hi Marge. Please check the application requirements at the bottom of the review page. If you meet the minimum income requirement, have a good credit history and are a permanent Australian resident then there’s no reason why your application won’t be successful. Cheers.
I want to use this card for BPay bill payments. Is this charged as a purchase or a cash advance?
Hi Steve. Generally speaking BPAY payments will be treated as a purchase on the card; however, depending on whether or not the person you are trying to pay is set up with BPAY, it might be treated as a cash advance. Check the ‘find your financial institution‘ page to see whether your biller is set up with BPAY.
is this card available for people in south australia and how long does it take as I am travelling overseas in 2 weeks. cheers Angela
Hi Angela. All Australians are open to apply. The process will typically take about two weeks; however, depending on where you live, the card might need to be mailed out and it may take longer. Contact Bankwest for further information on this question. Thanks for your question.
What are the charges for using this card overseas ? Thank you
Hi Ivan. Thanks for your question. There are a range of fees and charges that come with using a credit card overseas. For a guide on using money overseas, please check our page on using money overseas, for a list of fees and charges that come with overseas card use, please check our page on foreign currency and international fees for credit cards and for a comparison on travel money cards and options, please refer to the CreditCardFinder.com.au travel money comparison page. Hope this has helped.
we have an income of $780 a week and we are retired can we transfer our balance on credit card to you.
Hi Carol. Thanks for your question. If you meet the application requirements for the Bankwest Breeze MasterCard, you will be able to elect to carry out a balance transfer paying 0% p.a provided the credit card you are bringing the debt from is not related to Bankwest. Cheers.
The online application process does not allow me to enter two separate jobs. Can I apply via phone?
Hi Louise. If you’re having difficulties entering all your employment information in the online application form, it’s a good idea to follow the application up with a phone call as soon as possible. You can contact Bankwest on: 13 17 18, you will need your card application reference number to assist the application. Hope this helps.
So frustrating why cant BankWest put a contact phone number in plain sight.
I am looking to change providers and need to ask basic questions
Hi. Lorrie. Try 13 17 18. Cheers.
Don’t apply for a bankwest card i have a $50,000 income great credit history and applied for a card with a minimum income of $19,000 and got declined.
Hi John. This review of a declined Bankwest card application may help. Cheers.
As I am paid monthly can my repayment dates be set to coincide with my monthly pay? Also is the annual fee charged straight away or only after first 12 months?
Hi Robyn. Thanks for your question. The annual fee is charged to the card on the first statement. You will have to speak to the bank about what time of the month statements are sent out. Cheers.
Is there an option to purchase insurance to cover loss of income by retrenchment or injury?
Hello Kelvin,
thanks for the great question.
The Bankwest Breeze MasterCard credit card has a ‘Credit Card Protection’ service which is offered through St Andrews. This costs 55 cents for every $100 owed on the card, and pays up to 7% of the outstanding balance each month up to a maximum of $4,000, for up to 36 months to help with circumstances such as unemployment, accidents or illness. For more information you can visit this page, or call Bankwest on 13 17 19.
I hope this helps,
Marc.
what does the interest rate revert back to on balance transfers after the 0% period
Hi Desiree. At the end of the balance transfer period it reverts to the purchase rate of interest. Thanks.
Is there any fee for international purchases or services?
Once I have applied, do the 6 months interest free periods start from initial approval of one or more Breeze cards, or from when I choose between Classic, Platinum or Gold? This will determine when I put my application in.
Hi Donna Thanks for your question. The interest free promotion starts from when the card is activated. Cheers.
my wife and I are aged pensioners, who own our own home.. all our finances are jointly owned and managed.
joint income 30 to 35K PA. We wish to transfer $4000.
Thank you.
Hi Roger. Thanks for your question. If you meet the eligibility requirements for this card, which can be found at the bottom of the review and application page, you can apply for this card. If you wish to apply jointly with your spouse, Bankwest do not allow joint-account credit card applications. Please refer our article on institutions that allow joint account credit cards for further information. Hope this helps.
if i get this card ..am i required to make at least one purchase a month with it ?…or can i just keep paying off my original balance amount without making any purchases ?…. thanks
Hi Melinda. Thanks for your question. You’re not required to use the card once you have it. There is no fee for cancelling, you can cancel at any time proved that you have paid the balance in full. Cheers.
Hi, when would the annual fee be charged? On application or 1year on the issue date of the card?
Cheers
Hi Tracey. The annual fee is charges to the first credit card statement. It accrues the purchase rate of interest if you don’t pay it in the first month and it will be charged to the anniversary statement every year after that. Thanks for your question.
is there an early cancellation fee??
Hi Chris. Thanks for your question. There no fee for cancelling the credit card. You just have to make sure the card’s balance is paid in full.
I already have another account with Bankwest can I transfer a Bank of Melbourne account to this low interest Bankwest Breeze Mastercard?
Hi Melinda. This shouldn’t be a problem provided that the card you’re transferring to is a new account you’ve just opened. Thanks.
Hello, Im thinking of getting this card. does the 0% interest rate on purchases mean – interest free for the first 6 months..on all purchases, doesn’t it? Why doe sit also say up to 55 days interest free on purchases? Many thanks, Miriam
Hi Miriam. Good question. When you first get the card, and activate it, you will get six months interest free on all purchases. Once this six month period is finished, you will get up to 55 days interest free on your purchases provided you pay your balance in full each month. Hope this helps.
My daughter wants to apply for a balance transfer card. She has $4300 debt in a card in my name. Can she transfer this debt over to her name.
Hi Carol-Anne. Yes, you can do this provided that your daughter is a signatory on the new card. Please check this page and watch the video for information about this topic. Jacob.
Hi, If I apply for this credit card and I meet all the requirements how long will it take (estimate) till I receive the card anf I’m able to use it?
HI Andrew. Thanks for your question. When you apply for a credit card and you’re application is approved, allow up to two weeks before you get you card. You may get it sooner, but generally it’s about 7 business days. Once you get your card you will need to activate it. If you’re transferring a balance, allow up to two days after card activation before the balance transfer is processed. Here’s a video on what to do once you get your card that has all this information. Jacob.
Does this card link to Frequent Flyer points?
Hi Val. Thanks for your question. This card does not offer you the opportunity to earn frequent flyer points; however, Bankwest do offer a credit card that lets you earn Qantas Frequent Flyer Points. If you would like to compare credit cards that allow you to earn frequent flyer points, you can compare these cards here. Jacob.