Bankwest Breeze MasterCard Credit Card – Rates & Fees

Posted February 16th, 2008 and last modified September 22nd, 2014
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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 13 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

Bankwest Breeze MasterCard Review

Bankwest Breeze MasterCard could be suitable for the savvy cardholder. With 0% p.a. for 13 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.

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 ‘apply now’.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.

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 13 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.
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229 Responses to Bankwest Breeze MasterCard Credit Card – Rates & Fees

  1. 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

  2. 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

  3. 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

  4. 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

  5. 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

  6. 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

  7. 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

  8. 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

  9. Default Gravatar
    harish | June 27, 2014

    Is balance transfers available on a joint application

    • Staff
      Shirley | June 30, 2014

      Hi Harish,

      Thanks for your question.

      It’s available for some institutions – you can find a list of them here.

      Cheers,
      Shirley

  10. Default Gravatar
    Zoe | June 25, 2014

    Hello.

    I’m wondering if the balance transfer could be from a personal loan? Or is it credit cards only?

    Thanks.

    • Staff
      Shirley | June 27, 2014

      Hi Zoe,

      Thanks for your question.

      To our knowledge Virgin and Citibank allow you to balance transfer a personal loan to a credit card.

      Cheers,
      Shirley

  11. Default Gravatar
    kylie | June 23, 2014

    Hi
    If you are conditionally approved and given them all the information how much longer foes the application take yo process? And how do they notify you

    • Staff
      Shirley | June 24, 2014

      Hi Kylie,

      Thanks for your question.

      It typically takes up to a week and you are notified if all the documentation has been verified. Usually through a letter, or an online notification.

      Cheers,
      Shirley

  12. Default Gravatar
    Daniela | June 18, 2014

    Hi there,

    I have applied online to the credit card. When I finished the application I got a notification back that it was successful but I have not receive any notification since then. What should I do

    • Staff
      Shirley | June 19, 2014

      Hi Daniela,

      Thanks for your question.

      Bankwest should have informed you if you are required to submit additional documents, if this isn’t the case, then you application is probably still being processed.

      If you would like to enquire about the status of your application, please contact the customer service team at Bankwest.

      Cheers,
      Shirley

  13. Default Gravatar
    Rachel | June 17, 2014

    Do I need to be a customer of Bank West (or become one ie have a savings account with Bank West) in order to transfer to this card??

    • Staff
      Shirley | June 18, 2014

      Hi Rachel,

      Thanks for your question.

      You don’t need to be a customer of Bankwest to transfer to this card. Your existing credit card can’t be from Banwkest to be eligible for the balance transfer.

      Cheers,
      Shirley

  14. Default Gravatar
    dee | June 8, 2014

    Hi, I am using my joint credit card for my business. My husband is the primary card holder.I want to transfer the balance a credit card in my business name. Since I have had my business (in 3rd yr now)I have been using this card.
    Please can you tell me the best card & can I transfer?

    • Staff
      Shirley | June 10, 2014

      Hi Dee,

      Thanks for your question.

      Unfortunately we can’t recommend one specific card for you. You can compare a list of balance transfer cards on this page.

      Please also have a look at this page in terms of balance transfer requirements.

      Cheers,
      Shirley

  15. Default Gravatar
    Sue | June 5, 2014

    I have a Coles MasterCard with 2500 owing. I pay 22% interest.
    I am not savvy with money matters. If I get a balance transfer with you does this mean I get 14 months interest free to pay this money back?

    • Staff
      Shirley | June 6, 2014

      Hi Sue,

      Thanks for your question.

      At the time of writing, the balance transfer offer is for 13 months. This means that you’ll get 13 months interest free to pay the balance that you transfer back.

      Cheers,
      Shirley

    • Default Gravatar
      Sue | June 6, 2014

      I would like to apply for the balance transfer. Can you get me started please?
      Sue

    • Staff
      Shirley | June 6, 2014

      Hi Sue,

      Thanks for your question.

      Please click ‘apply now’ to start the application process.

      Cheers,
      Shirley

  16. Default Gravatar
    Ed | May 26, 2014

    If I transfer my credit card balance over to you, do I have to close my current credit card account as well or can I still keep this open?

    • Staff
      Shirley | May 28, 2014

      Hi Ed,

      Thanks for your question.

      You don’t have to close your current credit card, you can keep it open.

      Cheers,
      Shirley

  17. Default Gravatar
    Mick | May 16, 2014

    if i have a 9700 bal on a ANZ CC I want to tfr what is the amount of the new card

    • Staff
      Shirley | May 22, 2014

      Hi Mick,

      Thanks for your question.

      Bankwest will assess you against their lending criteria and decide on your credit limit for you during your application. Before applying, please ensure you read the eligibility requirements.

      Cheers,
      Shirley

  18. Default Gravatar
    Grace | May 5, 2014

    I am looking at balance transfer from my ANZ card which is currently in my husbands name, as I am a house wife, with no income. Therefore ANZ charge me a ridiculous fee to have the 2nd card. I have noted you don’t charge for 3 extra cards, which is fantastic but it would be nice to have this card as my own.

    • Staff
      Jeremy | May 5, 2014

      Hi Grace

      Thanks for your question :)

      In order to apply for this credit card you will need to meet the application criteria. You would need to have an income that meets the minimum income requirements to apply on your own. For further specifics around your question, it may be best to speak to the Bankwest customer service team directly.

      Hope this helps!
      Jeremy

  19. Default Gravatar
    kelly | April 18, 2014

    Hi, if I have a credit card with transactions that are already in an interest free period can I transferred those balances?

    • Staff
      Shirley | April 22, 2014

      Hi Kelly,

      Thanks for your question.

      Yes you can balance transfer those funds. Please be mindful that if you do perform a balance transfer, the interest free days are generally voided on your new credit card.

      Cheers,
      Shirley

  20. Default Gravatar
    Richard | April 16, 2014

    When is the first annual fee applied. From commencement of the credit card account or at the 12th month anniversary?

    • Staff
      Shirley | April 17, 2014

      Hi Richard,

      Thanks for your question.

      Generally, the annual fee is charged in the statement period of the first statement issued following activation.

      Cheers,
      Shirley

  21. Default Gravatar
    linzian | April 11, 2014

    Hi,

    Can you easily decrease your limit when paying this card off eg. online?

    Cheers.

    • Staff
      Jacob | April 14, 2014

      Hi, Linzian.

      You can reduce your current credit limit by calling the lender.

      Thanks for your question.

  22. Default Gravatar
    Jacek | April 10, 2014

    Hi there, I have applied for a new Bankwest Breeze MasterCard yesterday and my application has been approved. Before I have accepted the session expired.
    Today I filled out a new application but it was rejected. Is it still possible to take this card?
    Thanks.

    • Staff
      Jacob | April 10, 2014

      Hi, Jacek.

      Thanks for your question.

      If you have the application reference number from the first application (they should have sent you an email at the commencement of the application after you entered your address, and subsequent emails asking you to resume your application) you can quote this reference number to the Bankwest customer service team and see if they are able to continue with the original application.

      I hope this helps and apologies that I’m unable to be of greater assistance in this situation.

  23. Default Gravatar
    Anne | April 6, 2014

    I am a pensioner with an ANZ credit card – credit limit $10000. I have no other debts and an annual income of approx. $20000. Where could I obtain a credit card which would allow me to roll $9000 over from the ANZ card at 0% interest for ? months?

    • Staff
      Jacob | April 7, 2014

      Hi, Anne.

      Thanks for getting in touch with us.

      You can compare credit cards with balance transfer promotions here. An important consideration when applying for a balance transfer credit card is the credit limit the new credit card you apply for. Different providers will allow you to use a percentage of your approved credit limit towards a balance transfer – some will allow you to use 95% of your credit limit on your new card towards a balance transfer while others will allow you to use 80% for instance. If you have accepted the maximum credit limit granted to you on your old card, and you want to transfer the majority of that outstanding balance, if not all of it to a new credit card, you may have issues with getting approved for a credit card that will offer a credit limit high enough for you to transfer the balance. This is because you have a high debt to income ratio and a financial institution may be reluctant to offer you more credit. Having said this, transferring even part of a balance to another card under a balance transfer promotion can save you money in interest repayments. If you would like to read more about this, have a look at our balance transfer considerations page.

      I hope this helps and please let us know if you have any other questions.

    • Default Gravatar
      Anne | April 8, 2014

      You didn’t actually answer my question at all. I already know about percentages of balances allowed to be transferred. What I want to know is, are there any banks that will offer me a credit card given the information I gave you?

    • Staff
      Jacob | April 8, 2014

      Hi, Anne.

      Sorry for any confusion.

      You can apply for any card, provided that you meet the eligibility requirements. The link I sent in my previous answer has a comparison of credit cards with balance transfer promotions, please check that page for a list of offers.

      Thanks for your question.

  24. Default Gravatar
    Debbi | April 5, 2014

    I currently have a Bankwest Lite Mastercard, can I transfer my balance to the Bankwest Breeze and take advantage of the 0% transfer offer also?
    Many thanks

    • Staff
      Jacob | April 7, 2014

      Hi, Debbi.

      Thanks for getting in touch with us.

      If you’re looking to find out information about balance transfers, you may want to have a look at our video on the topic explaining what a balance transfer is and what to look out for.

      Let us know if you have any further questions.

  25. Default Gravatar
    Irene | April 4, 2014

    Can you use a new balance transfer credit card to pay off a personal loan

  26. Default Gravatar
    Mary | March 31, 2014

    Hi, does balance transfer mean we transfer money from a new Bankwest card to our existing card which we owe?
    Thanks.

    • Staff
      Jacob | March 31, 2014

      Hi, Mary.

      Thanks for getting in touch with us.

      You may want to have a look at our video explaining balance transfers from one of our money experts. In a nutshell, a balance transfer is when the debt on one credit card is moved to a new credit card and has a promotional interest rate for a set period of time charged on the balance. At the end of the promotional balance transfer period, the interest rate will be charged at either the purchase rate of the cash advance rate of interest – depending on the card provider.

      Don’t hesitate to get in touch with us if you have any further questions about balance transfers.

      I hope this helps.

  27. Default Gravatar
    Di | March 27, 2014

    “This card offers % interest rate for months when you use your card to make a purchase. It then reverts to a low interest rate of 11.99%.” Can you explain this please.?

    Also could you please answer the following question:

    If I take up the Balance transfer, and then I use my card for other purchases during the 13 months 0% on balance transfer, are these new purchases then charged at the 11.99%? And, when I am making payments, how are they applied, do they come off the balance transfer first or off the new purchases if I make any?

    • Staff
      Jacob | March 27, 2014

      Hi, Di.

      Great questions.

      Your repayments will be applied to the balances which attract the highest rate of interest first.

      The purchase rate of interest will be charged on all purchases you make with the card, the revert rate you’re referring to is the interest rate any amount you transfer to this card under a balance transfer will be charged at after the balance transfer promotional period has expired.

      I hope this helps.

  28. Default Gravatar
    Mary | March 25, 2014

    Hi, I have an outstanding balance of 2,000 and want to do balance transfer. What would be my Bankwest Credit card limit if i apply? Can i use all credit limit for any balance transfer? Or will it be less?
    Thanks.

    • Staff
      Jacob | March 26, 2014

      Hi, Mary.

      Please see this page for maximum balance transfer limits.

      It’s difficult to say what your credit limit will be if you apply for a credit card. If you accepted the maximum credit limit offered to you when on the card you first applied for, it’s safe to say that the credit limit on any subsequent products you apply for will be significantly less than that.

      I hope this helps.

  29. Default Gravatar
    | March 15, 2014

    Once approved for a balance transfer from my nab card does bankwest transfer the money into my nab card to make it zero and then I start paying you the money and how much do I need to pay monthly if my amount is 8500?

    • Staff
      Jacob | March 17, 2014

      Hi, Chantal.

      Thanks for your question.

      Once approved for a credit card, and you’ve elected to transfer a balance to that account, the balance transfer process is automatic, and is processed once you activate the card. You then make repayments to the new card to pay down the balance transfer balance. You can find information about the minimum monthly repayment in the product table at the top of the card’s review page.

      I hope this helps.

  30. Default Gravatar
    Kate | March 6, 2014

    My husband needs to travel overseas the end of next week. Reading previous posts the card would take two weeks. If successful with the application could he access the funds somehow during his travel date? Is he required to visit a branch or anything to active the account. Or can you recommend a solution to acquiring funds for this urgent trip. Thanks

    • Staff
      Jacob | March 7, 2014

      Hi, Kate.

      Thanks for your question.

      He won’t be able to access the account’s available credit limit until the account has been activated.

      You can elect to have the card sent to your home instead of picking up a branch, and you can call the bank to activate the card. The card will need to be signed when it arrives. Once the account is activated, you can set up internet banking, which allows you to access the funds electronically.

      You may want to consider a personal loan instead of a credit card. The Commonwealth Bank and Aussie are two providers that offer ‘same day personal loans’. There are also a range of payday lenders you may want to consider.

      I hope this helps.

  31. Default Gravatar
    Jeremy | March 5, 2014

    Would it be possible to use this card to balance transfer from both an existing mastercard and also a CBA personal loan?

  32. Default Gravatar
    Alana | February 28, 2014

    Can I put down two employers in an online credit card application?

    • Staff
      Jacob | March 3, 2014

      Hi, Alana.

      The Bankwest online credit card application only provides space to enter one employer’s details.

      Thanks for your question.

  33. Default Gravatar
    Jenny | February 28, 2014

    I am unable to ascertain where to make payments. I currently don’t have internet banking set up, so what other means are there for payments. E.g. can a payment be made at a post office?

    • Staff
      Jacob | February 28, 2014

      Hi, Jenny.

      According to the Bankwest website, you can pay your Bankwest credit card (physically) the following ways:

      You can request a statement to be sent you in a reusable replay paid envelope. You can send a cheque back in this envelope. And you can pay your account in person at a Bankwest branch.

      Thanks for your question.

  34. Default Gravatar
    Fiona | February 25, 2014

    Can I apply for the Bankwest Breeze MasterCard in my name, and transfer the balance of my husband’s credit card from a GoMastercard over and get the 0% balance transfer?

  35. Default Gravatar
    thomas | February 20, 2014

    I just filled out an application. I’m not sure if it was sent. Have you received it?

  36. Default Gravatar
    Steven | February 18, 2014

    Hi,

    Just wondering if you need to make any purchases on this card?

    Can you transfer your balance across and not purchase anything on the credit card and then close the card when you are finished paying off the amount?

    Thanks.

    • Staff
      Jacob | February 19, 2014

      Hi, Steven.

      Thanks for your question.

      Yes, you can do this. You’re under no obligation to make any purchases on the card if you open a new account and transfer a balance. It’s worth noting that if you do transfer a balance to a credit card, and you make a purchase while you’re carrying a balance transfer balance, you will not get any interest free days when you make a purchase on the card.

      If you’re looking to find out more about some of the key things you should be aware of when transferring a balance to a credit card, have a look at our video from Michelle Hutchison, one of our resident money experts.

      I hope this helps.

  37. Default Gravatar
    Paul | February 18, 2014

    I was interested in opening a Trading account and transfer my Credit Card to Bankwest. I am currently with the CBA and see I can make deposits through the Post Office. How long would this take to establish?

    • Staff
      Jacob | February 19, 2014

      Hi, Paul.

      Once you’ve completed the online application, you should have a response as to whether you’ve been successful or not within a minute. After you’ve received confirmation about your successful application, allow up to two weeks before you receive your card.

      Thanks for your question.

  38. Default Gravatar
    karen | January 31, 2014

    Hello, can you please tell me if the rate of 11.99% stays at that for the life of the card or can it change?
    And also is there any hidden conversion fees or hidden costs? Thank you

    • Staff
      Shirley | January 31, 2014

      Hi Karen,

      Thanks for your comment.

      The purchase rate is subject to change at the discretion of Bankwest.

      The foreign currency conversion fee is 2.95% of the transaction value – your transaction will also be subject to exchange rates.

      Cheers,
      Shirley

  39. Default Gravatar
    Sherry | January 22, 2014

    Will I be able to have the exact same limit as the card I am transferring from & be able to balance transfer the total amount owing to enable me to cancel that card & use this new one

    • Staff
      Shirley | January 23, 2014

      Hi Sherry,

      Thanks for your comment.

      This will depend on Bankwest’s lending criteria; your credit limit now may not necessarily be the same for your new Bankwest credit card if your application is accepted.

      Whether you can balance transfer the total amount owing will depend on the credit limit you’ve been approved for from Bankwest.

      Cheers,
      Shirley

  40. Default Gravatar
    Wilhelmina | January 15, 2014

    My husband has a Bankwest credit card – If I were to apply and have one approved am I able to balance transfer his balance onto the interest free one? I don’t think so but thought I would ask.

    • Staff
      Jacob | January 15, 2014

      Hi, Wilhelmina.

      Thanks for getting in touch with us.

      If you wish to transfer a balance to this card under the promotional balance transfer rate of interest, you will need to transfer the debt from a non-Bankwest credit card.

      You can compare balance transfer credit cards on this page.

      I hope this helps.

  41. Default Gravatar
    sandy | January 13, 2014

    If you are an existing customer with a MasterCard, can you change over to this offer?

    • Staff
      Jacob | January 13, 2014

      Hi, Sandy.

      Thanks for your question.

      If you already hold a MasterCard credit card, you can apply for this product. If you’re already a Bankwest card holder, you can apply for this product as a new customer. However if you hold a Bankwest credit card and you want to transfer a balance to this account, you will not be eligible for the promotional balance transfer rate of interest. This is available to new customers bringing a balance from a non-Bankwest credit card, store card or charge card.

      I hope this helps.

  42. Default Gravatar
    Irenee | January 11, 2014

    Hi,

    just completed the application for the basic breeze master card and received conditional approval. Then realised i needed more credit limit and tried to change to the gold master card. Just wondering if my application has gone through or not.

    Thanks,

  43. Default Gravatar
    Guy | January 8, 2014

    I want to make balance transfer from Bank of Melbourne card to BankWest Breeze MasterCard Credit Card 0% balance transfer. However, with an online application, existing credit cards section, card issuer – no Bank of Melbourne on the drop down list so what do I do? Can I select Other for this case? Thank you.

    • Staff
      Jacob | January 9, 2014

      Hi, Guy.

      Thanks for your question.

      If you would like to transfer a balance from a Bank of Melbourne credit card to a Bankwest credit card, please continue with the application. After you’ve been approved, you can contact Bankwest and they will process the transfer manually.

      I hope this helps.

  44. Default Gravatar
    jilla | January 8, 2014

    Hi.

    How much income need to eligible for applying?

    Thanks.

    • Staff
      Jacob | January 8, 2014

      Hi, Jilla.

      There is no minimum income requirement listed for this card. You will be assessed on your ability to service the minimum credit limit. This can be found in the application requirements table at the bottom of the card’s review.

      Thanks for your question.

  45. Default Gravatar
    margaret | January 6, 2014

    Could you let me know the nearest branch in the Werribee Victoria area

    • Staff
      Jacob | January 6, 2014

      Hi, Margaret.

      Thanks for your question.

      There are a few Bankwest locations in Victoria. The best way to find a branch that’s closest to you is to hop of the Bankwest branch locator on their website and do a search for your postcode in Victoria.

      I hope this helps.

  46. Default Gravatar
    Tony | January 6, 2014

    I have payments being made online coming out of an existing Westpac Visa card if I transfer to BankWest breeze at 0% do I need to close the Visa card?

    • Staff
      Jacob | January 6, 2014

      Hi, Tony.

      Thanks for your question.

      If you transfer a balance to another card, you do not need to close the account you’re transferring the balance from. If you do decided to close the account, it’s your responsibility to transfer your existing direct debit agreements to your new account.

      I hope this helps.

  47. Default Gravatar
    danielle | January 5, 2014

    Can you check my credit rating before I apply?

    • Staff
      Jacob | January 6, 2014

      Hi, Danielle.

      Thanks for your question.

      A good option is to have a look at a copy of your credit file before you apply for a card. You can find information on how to order a copy on this page. This will allow you to see everything the lender sees when you apply for a card and will allow you to see whether you have any defaults, which may have bearing on the success of your application. If you can see a negative listing, you will need to address this issue before you apply for credit.

      You can get a copy of your credit file for free is you’re willing to wait a number of days. Alternatively, you can pay a fee and have a copy sent express.

      Thanks for your question and I hope this helps.

  48. Default Gravatar
    gary | January 4, 2014

    Hi.
    I have a Bankwest Platinum MasterCard at the moment and have another sizable credit card debt I would like to consolidate. I would like to apply for a Bankwest Breeze MasterCard to take advantage of the 0% transfer plus ongoing rate, but would I have to combine both cards to do this?
    Regards.
    Gary.

    • Staff
      Jacob | January 6, 2014

      Hi, Gary.

      Thanks for your question.

      If you would like to take advantage of the balance transfer promotion offered with this card, you must transfer a balance from a non-Bankwest credit card. If you’re already a Bankwest cardholder, you can still apply for this card; however, you ill not be able to being the balance of your existing Bankwest card to this new card under a balance transfer promotion. You can consolidate the balance of multiple credit cards through a balance transfer promotion (or you can transfer the balance of one card only).

      I hope this helps.

  49. Default Gravatar
    Megan | November 22, 2013

    What does Foreign Currency Conversion Fee mean?
    If I am overseas using the card for purchases only (not withdrawing cash) will I be given a fee for that?
    Thanks

    • Staff
      Jacob | November 22, 2013

      Hi Megan.

      Thanks for your question.

      This is a fee that is charged when you carry out a transaction in a currency other than Australian dollars – purchase or cash withdrawal. You can find out more about this fee on this page.

      I hope this helps.

  50. Default Gravatar
    louise | November 13, 2013

    Can you please clarify what you mean by ‘O% interest rate on purchases for up to 10 months’?

    • Staff
      Jacob | November 13, 2013

      Hi Louise.

      Thanks for getting in touch with us about your question.

      When a card has a promotional offer on purchases, this means that you will receive the advertised interest rate on all purchases you make with the card for the set period. In the case of the current offer with the Bankwest Breeze MasterCard, the 0% purchase promotion for 10 means that any purchases you make with the card will not attract any interest charges for the first ten months. The only payment you will be required to make is the minimum monthly repayment each statement period. No interest will be charged.

      I hope this helps.

  51. Default Gravatar
    stuart | November 3, 2013

    What is the cash advance interest rate. Is there a introductory rate?

    • Staff
      Jacob | November 4, 2013

      Hi Stuart.

      Thanks for your question.

      You can find the cash advance interest rate listed in the product table at the top of the page. There is currently no introductory promotion on cash advances with this card. You can have a look at 0% purchase cards on this page.

      I hope this helps.

  52. Default Gravatar
    curious | October 29, 2013

    Is there a limit on how much you can balance transfer? If I applied for a 25k limit and wanted to balance transfer 20k would that be OK?

  53. Default Gravatar
    frid | October 23, 2013

    pls explain for me late payment fee?

    • Staff
      Shirley | October 23, 2013

      Hi Frid,

      Thanks for your comment.

      A late payment fee may be added to your account if you do not pay at least the minimum monthly payment as shown on your statement of account by the due date, though you can avoid these but setting up auto repayments.

      Hope this helps,
      Shirley

  54. Default Gravatar
    mel | October 10, 2013

    I want to be able to pay my monthly credit card account at the post office… is this possible?

    • Staff
      Jacob | October 10, 2013

      Hi Mel.

      Yes, this account can be paid at the post office. Please note that there may be a small fee charged when you pay your card this way. You can also pay this account by direct deposit from another transaction or savings account and through BPAY.

      Thanks for your question.

  55. Default Gravatar
    Elly | October 4, 2013

    Hi.

    How soon can a card get to you?

    • Staff
      Jacob | October 4, 2013

      Hi Elly.

      Once your application has been approved it can take up to two weeks before you have your card. You can get it sent out in the mail or pick it up at a branch.

      Thanks for your question.

  56. Default Gravatar
    sian | October 2, 2013

    Hi just wondering with the 0% on balance transfers if the 10 month period begins as of application approval or when the amount is transferred across?

    • Staff
      Jacob | October 2, 2013

      Hi Sian.

      The balance transfer promotional period will begin from when you’re approved for the card.

      Thanks for your question.

  57. Default Gravatar
    Matt | September 21, 2013

    If Im excepted can I transfer my wife’s credit card to this card? And do you close off the transfered credit card? cheers

  58. Default Gravatar
    Peter | September 13, 2013

    I have an RACV personal loan $8,000, two master cards, total $3,000, can I pay all these with the BW card using the transfer option and what would the monthly repayments be for the outstanding ballance

  59. Default Gravatar
    Jo | September 12, 2013

    What is the minimum income required for the 0% transfer credit card

    • Staff
      Jacob | September 12, 2013

      Hi Jo.

      There is no minimum credit limit listed for this card, you will be assessed on whether you can service the minimum credit limit, which is currently $1,000.

      Thanks for your question.

  60. Default Gravatar
    ian | September 11, 2013

    How long does it take to transfer the full amount off two cards from two different banks and when can I start the repayments?

    • Staff
      Jacob | September 11, 2013

      Hi Ian.

      Thanks for your question.

      If you request a balance transfer and you’re approved for the card. It will be sent out in the mail. Once you receive it, you’ll need to activate the card. Once the card is activated, it will take approx. two business days for the balance transfer to be processed and for the funds to clear into your account. You can start making repayments as soon as the funds clear in your account.

      You can find more information about this on this page.

      Jacob.

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    chris | September 7, 2013

    Can I transfer a balance from a UK credit card to this credit card?

    • Staff
      Jacob | September 9, 2013

      Hi Chris.

      Thanks for your question. A balance transfer will only be accepted between two Australian credit cards.

      Jacob.

  62. Default Gravatar
    Jim | September 2, 2013

    Hi could you please tell me the % maximum we can transfer with bankwest.

    Thanks

    • Staff
      Jacob | September 3, 2013

      Hi Jim.

      Thanks for your question.

      Please have a look at this page for information on your question and other key considerations when carrying out a balance transfer.

      Jacob.

  63. Default Gravatar
    Annabel | August 31, 2013

    The Bankwest card allows multiple balance transfers over the 0% period (this is handy when your balance on original card is low one month when your application comes through but you know you are expecting a large purchase the following month). If you transfer from another card to the Bankwest card at 5 months through the offer period, then you only have the remaining period to pay the new amount at 0% interest.

    Do any other cards offer this flexibility? The others mostly say 0% interest free on balances transferred on application.

    • Staff
      Jacob | September 2, 2013

      Hi Annabel.

      Thanks for your question.

      There are a number of credit card providers that allow you to do this. I believe HSBC may be one of the only providers that require you have to transfer a balance at the time of application to get the promotional balance transfer rate of interest.

      Jacob.

    • Default Gravatar
      Annabel | October 3, 2013

      Jacob,

      i’ve been looking and looking and when you read the fine print, most only allow the low transfer rate on the first balance transfer performed upon application. It’s not just HSBC, its most of them. It looks to me that Bankwest is about the only one who DOES allow you to make a further transfer after account being approved. In fact you don’t even need to specify a balance transfer on application. You can activate the card and perform the first balance transfer once you receive the card and that is when the low rate period begins.

  64. Default Gravatar
    Kathy | August 30, 2013

    I am about to start a business. I have not commenced yet as I need cash to purchase some equipment to begin my business.

    Do I qualify for a MasterCard, since I have not begun my business yet and do not currently have an income?

    Should I not qualify for one, are you able to suggest someone or some other financial help?

    Thank you.

    • Staff
      Jacob | August 30, 2013

      Hi Kathy.

      If you want to apply for a credit card, you’re going to need to show some sort of income. It might be worth opening up a discussion with your bank or lender to see if they can accommodate a small business loan or line of credit.

      You can read up about business loans on this page.

      Thanks for your question.

  65. Default Gravatar
    Donnie | August 26, 2013

    in the case fo travel insurance, does this only work for travel purchased using the card or will this cover apply to travel already booked and paid for?

    • Staff
      Jacob | August 26, 2013

      Hi Donnie.

      Thanks for your question.

      You will need to purchase your return ticket or your pre-paid travel expenses on your card or redeem your Bankwest More Rewards Points for travel to activate the complimentary international travel insurance.

      I hope this helps.

  66. Default Gravatar
    jenni | August 21, 2013

    I’m enquiring on behalf of my mum, who is a senior and has no income expect the pension. She currently has a credit card but is looking for something with a lower interest rate. She has no debt and owns her property. Her current credit card has $1000 balance owing at the moment, she usually pays it off every month. Is she eligible to apply for Bankwest Breeze?

    Thanks.

    • Staff
      Jacob | August 21, 2013

      Hi Jenni.

      Thanks for getting in touch with us. The best way to find out whether you’re eligible for a credit card is to check the minimum eligibility requirements.
      There is no set policy from the bank that excludes pensioners from applying for a credit card.

      Thanks for your question.

  67. Default Gravatar
    John | August 18, 2013

    I would like to transfer two credit cards to the Bankwest Breeze MasterCard. I would like to confirm that after the zero percent interest period, that the balance will then be charged at the purchase rate and not the cash advance rate.
    Cheers.

  68. Default Gravatar
    Valent | August 17, 2013

    Responding to your answer about annual fee. So, does it mean if we pay the $59 on first month, that money will be recognized as paying the annual fee instead of being recognized of paying the installment? Considering no other purchases have been made and only balance transfer amount in the first statement.

    Please kindly advice and clearly confirm. As I had ever been charged interest for following months because of the annual fee although I already paid the annual fee on first statement/month.

    • Staff
      Jacob | August 19, 2013

      Hi Valent.

      The annual fee is considered a purchase on the account and is grouped with other purchases made on the card. When you have multiple balances attracting different rates of interest, the balances which attract the highest rate of interest first (cash advances, purchases etc.), and the lower rates of interest second (balance transfers, interest free promotions etc.).

      Thanks for your question.

      Jacob.

  69. Default Gravatar
    Carina | August 9, 2013

    Is there an minimum income requirement to apply for this credit card?

    • Staff
      Shirley | August 9, 2013

      Hi Carina,

      Thanks for your comment.

      There’s no minimum income requirement to apply for this credit card, all applications are handled on a case by case basis.

      Cheers,
      Shirley

    • Default Gravatar
      Bob | August 18, 2013

      Hi Shirley.

      Can I transfer my existing bank west credit card balance to this new card?

    • Staff
      Jacob | August 19, 2013

      Hi Bob.

      To be eligible for the promotional balance transfer rate of interest, you need to be transferring a balance from a non-Bankwest credit, store or charge card.

      Thanks for your question.

  70. Default Gravatar
    Melody | May 28, 2013

    I would like to transfer my westpac credit card to take advantage of the 0 percent for six months but I only want to keep my credit limit that I currently have which is $4000 with the expectation of dropping it down to $3000 later down the track. Does a bankwest MasterCard allow me to have a $4000 limit? Thank you!

    • Staff
      Jacob | May 28, 2013

      Hi Melody. Thanks for your question. If you’re looking to transfer a balance to this credit card, you can apply to do so when you apply for the credit card. Also, during the application, you can elect a specific credit limit for your card, which you’ll get if your application is successful. Please check the application requirements table at the bottom of the review page for information about the minimum credit limit. Please note that when you apply for a card, the credit limit is based on the financial information you provide. If the lender thinks you can service your requested credit limit, it will be approved. If they want to assign you a lower credit limit, they can do this too. Jacob.

  71. Default Gravatar
    Val | April 26, 2013

    Does this card link to Frequent Flyer points?

    • Staff
      Jacob | April 26, 2013

      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.

  72. Default Gravatar
    Andrew | April 11, 2013

    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?

    • Staff
      Jacob | April 11, 2013

      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.

  73. Default Gravatar
    Carol | April 4, 2013

    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.

    • Staff
      Jacob | April 4, 2013

      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.

  74. Default Gravatar
    Miriam | March 27, 2013

    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

    • Staff
      Jacob | March 27, 2013

      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.

  75. Default Gravatar
    Melinda | March 27, 2013

    I already have another account with Bankwest can I transfer a Bank of Melbourne account to this low interest Bankwest Breeze Mastercard?

    • Staff
      Jacob | March 27, 2013

      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.

  76. Default Gravatar
    chris | March 23, 2013

    is there an early cancellation fee??

    • Staff
      Jacob | March 24, 2013

      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.

  77. Default Gravatar
    Tracey | March 18, 2013

    Hi, when would the annual fee be charged? On application or 1year on the issue date of the card?

    Cheers

    • Staff
      Jacob | March 19, 2013

      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.

  78. Default Gravatar
    Melinda | February 28, 2013

    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

    • Staff
      Jacob | February 28, 2013

      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.

  79. Default Gravatar
    Roger | February 19, 2013

    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.

    • Staff
      Jacob | February 19, 2013

      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.

  80. Default Gravatar
    Donna | February 17, 2013

    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.

    • Staff
      Jacob | February 18, 2013

      Hi Donna Thanks for your question. The interest free promotion starts from when the card is activated. Cheers.

  81. Default Gravatar
    Desiree | February 5, 2013

    what does the interest rate revert back to on balance transfers after the 0% period

    • Staff
      Jacob | February 5, 2013

      Hi Desiree. At the end of the balance transfer period it reverts to the purchase rate of interest. Thanks.

  82. Default Gravatar
    Kelvin | January 9, 2013

    Is there an option to purchase insurance to cover loss of income by retrenchment or injury?

    • Staff
      Marc | February 26, 2013

      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.

  83. Default Gravatar
    Robyn | November 17, 2012

    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?

    • Staff
      Jacob | November 19, 2012

      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.

  84. Default Gravatar
    John | November 13, 2012

    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.

  85. Default Gravatar
    Lorri | October 23, 2012

    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

    • Staff
      Jacob | October 23, 2012

      Hi. Lorrie. Try 13 17 18. Cheers.

  86. Default Gravatar
    Louise | October 3, 2012

    The online application process does not allow me to enter two separate jobs. Can I apply via phone?

    • Staff
      Jacob | October 3, 2012

      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.

  87. Default Gravatar
    Carol | October 3, 2012

    we have an income of $780 a week and we are retired can we transfer our balance on credit card to you.

    • Staff
      Jacob | October 3, 2012

      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 provided the credit card you are bringing the debt from is not related to Bankwest. Cheers.

  88. Default Gravatar
    Ivan | September 20, 2012

    What are the charges for using this card overseas ? Thank you

  89. Default Gravatar
    Angela | July 20, 2012

    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

    • Staff
      Jacob | July 24, 2012

      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.

  90. Default Gravatar
    Steve | July 20, 2012

    I want to use this card for BPay bill payments. Is this charged as a purchase or a cash advance?

    • Staff
      Jacob | July 25, 2012

      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.

  91. Default Gravatar
    marge | July 15, 2012

    i am aged pensioner. Income $18600 balance transfer $2600. would this be accepted?

    • Staff
      Jacob | October 10, 2012

      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.

  92. Default Gravatar
    vineet | July 14, 2012

    what will be the interest rate for balance transfers after the first nine months

    • Staff
      Jacob | July 17, 2012

      Hi Vineet. Thanks for your question. After the introductory balance transfer period, the interest rate will be charged at the purchase rate of interest. Cheers.

  93. Default Gravatar
    Corinne | June 7, 2012

    Hi,

    Is there an international transaction fee for this card?

  94. Default Gravatar
    Jan | June 6, 2012

    If accepted by Bankwest what happens to points from my existing c/c rewards?

    • Staff
      Jacob | March 27, 2013

      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.

  95. Default Gravatar
    Julie | May 14, 2012

    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

    • Staff
      Jacob | April 2, 2013

      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.

  96. Default Gravatar
    Amanda | May 1, 2012

    What rate does the 0% revert to after the period finishes – is it 10.99%

    • Staff
      Jeremy | May 18, 2012

      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

  97. Default Gravatar
    Merilyn | April 29, 2012

    What would the monthly payment be on a transfer of $13.000.

  98. Default Gravatar
    Bob | April 28, 2012

    What rate does the balance transfer revert to following the 6 month initial period

    • Staff
      Jeremy | May 18, 2012

      Hi,

      After the balance transfer period the interest rate reverts to the standard purchase rate of interest. Cheers.

      Jeremy

  99. Default Gravatar
    Anthony | March 28, 2012

    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

    • Staff
      Jacob | April 8, 2013

      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.

  100. Default Gravatar
    heather | March 2, 2012

    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

    • Staff
      Jeremy | March 9, 2012

      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

  101. Default Gravatar
    Ray | February 25, 2012

    What is the minimum repayment on the balance transfer principle excluding the interest for the Bankwest breeze mastercard

    • Staff
      Jeremy | March 2, 2012

      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

  102. Default Gravatar
    Hayley | February 16, 2012

    Hi,
    What is the balance transfer fee?
    Thanks

    • Staff
      Jeremy | March 2, 2012

      Hi,

      There are no fees for performing a balance transfer, only the associated interest payments. Thanks for your question.

      Cheers
      Jeremy

  103. Default Gravatar
    Aileen | January 10, 2012

    What is the charge for paying the Bankwest Breeze credit card late?

    • Staff
      Jeremy | January 11, 2012

      Hi Aileen

      The late payment fee for the Bankwest Breeze is $25

      Cheers

      Jeremy

  104. Default Gravatar
    Jessica | November 26, 2011

    Are you able to make payments at your local post office in any state?

    • Staff
      Jeremy | February 28, 2012

      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

  105. Default Gravatar
    jane | November 12, 2011

    will i be charged a transfer fee from westpac or you to change my credit cart to bankwest ?

    • Staff
      Jacob | August 12, 2012

      Hi Jane. Thanks for your question. There is no fee for carrying out a balance transfer between these two institutions.

  106. Default Gravatar
    Alex | October 13, 2011

    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?

    • Staff
      Jacob | April 4, 2013

      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.

  107. Default Gravatar
    Andrew | September 4, 2011

    Can I transfer my wife’s card balance as well as my own

  108. Default Gravatar
    ben | July 14, 2011

    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

  109. Default Gravatar
    Fyodor | June 27, 2011

    Hi, just want to know after 6 months, what annual percentage the balance transfer rate will revert to?

    • Staff
      Jeremy | June 27, 2011

      Hi Fyodor

      Thanks for your comment

      At the end of the balance transfer period, it reverts to the purchase rate.

      Cheers

      Jeremy

  110. Default Gravatar
    Sam | June 10, 2011

    Im a new customer to Bankwest would you guys waive the annual fee for the first year?

    • Staff
      Jeremy | June 10, 2011

      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

  111. Default Gravatar
    Tegan | June 9, 2011

    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.

Credit Cards Comparison

Rates last updated October 2nd, 2014
Interest rate (p.a.) Balance transfer rate (p.a.) Annual fee Cash advance rate (p.a.)
ANZ Low Rate
ANZ Low Rate
A low rate on purchases, balance transfer and a low annual fee. 13.49% p.a. 0% p.a. for 16 months $58 p.a. 21.74% p.a. Go to site More info
Westpac 55 Day Platinum Card
Westpac 55 Day Platinum Card
$0 annual fee with platinum benefits including a platinum concierge service, overseas travel insurance, extended warranty cover and purchase security cover. 19.84% p.a. 0% p.a. for 6 months with 1% balance transfer fee $0 p.a. annual fee for the first year ($90 p.a. thereafter) (Annual fees waived for the first year. Annual fees of subsequent years are also waived when your yearly spend is $10k or more) 21.29% p.a. Go to site More info
HSBC Platinum Credit Card
HSBC Platinum Credit Card
Earn rewards points plus a balance transfer offer. Access to prestige services including a personal concierge service and VISA Platinum reward program. 19.99% p.a. 0% p.a. for 8 months $0 p.a. 21.99% p.a. Go to site More info
Westpac Low Rate Card
Westpac Low Rate Card
A low interest rate credit card with a low annual fee and balance transfer offer. 12.49% p.a. 0% p.a. for 14 months $45 p.a. 21.49% p.a. Go to site More info
HSBC Credit Card
HSBC Credit Card
No annual fee for the life of the credit card. Plus a low balance transfer offer. 17.99% p.a. 0% p.a. for 6 months $0 p.a. 21.99% p.a. Go to site More info

* The credit card offers compared on this page are chosen from a range of credit cards CreditCardFinder.com.au has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing cards.

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