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Bankwest Breeze Mastercard
Highlights
- Get 0% p.a. interest on balance transfers for 24 months, with a 3% balance transfer fee (then 12.99% p.a. thereafter).
- An annual fee of $49 p.a., making it an affordable option.
- Add up to 3 additional cardholders at no extra cost.
Pros and cons
Pros
Cons
History
Our review
Convenience
Customer service
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Trust
Get one of the best balance transfer offers around – in three ways – when you apply for the Bankwest Breeze Mastercard.
- Firstly, there is a long zero-interest balance transfer offer.
- Secondly, unlike many cards with a balance transfer revert interest rate of around 21% p.a., the revert interest rate is the card’s low ongoing purchase interest rate, not its high cash advance rate.
- Finally, there's a low ongoing interest rate on purchases, so you can still use your card for purchases without incurring any interest charges while the offer lasts, even though you have an unpaid balance transfer debt.
24-month period at 0% on balance transfers
You can transfer a balance from your existing card or cards, and pay no interest on the balance for a 24-month period.
This 0% balance transfer will save you heaps if you are currently paying around 20% p.a. on overdue debt on your existing card.
Low balance transfer revert rate and low ongoing purchases interest rate
Once the introductory zero-interest balance transfer has expired, you’ll still have a card that charges interest on purchases at the lowest end of the scale. Having a low-rate credit card in your wallet can be very useful if your finances are unpredictable. Paying a low interest rate on your purchases is much more manageable than paying the 20% p.a., or more, charged by some cards.
But the cash advance rate is among the highest
However, since this card’s cash advance interest rate is very much at the top end of the credit card scale, Bankwest is certainly not encouraging you to take cash advances, and that’s not a bad thing. Credit card cash advances are a really dangerous way to manage your finances because there are never any interest-free days on cash advances. You’ll be slugged with high-interest charges from the day you take your advance until the day you repay it.
Up to 55 days interest-free, not 44
Once you can start taking advantage of the monthly interest-free days (after the introductory offers expire) you’ll be pleased to know that you’ll get up to 55 of them each month, not the less generous 44 days allowed by some other cards. That adds up to an extra 132 days every year for your cash to remain in your savings or mortgage offset account.
Up-to-date technology
Not only is the card enabled for Apple Pay, Google Pay, and Samsung Pay, you can log into the Bankwest app to access and activate your card digitally before it arrives in the mail.
Low credit limits available
This card has a low minimum credit limit of $1,000, which means that you can reduce the exposure to the temptation that comes with a higher limit you may not need or want. In fact, if you’re approved for a limit of $6,000 or more, you’re likely to be steered toward the more expensive Bankwest Platinum Breeze Mastercard. So, if you just want a low limit, make your preference clear when you apply, and stick to your guns.
Moderate annual fee
The very low annual fee is reasonable for a fuss-free card which still promises a low interest rate on purchases when the introductory offers expire.
There’s no extra charge for up to three supplementary cards on the account.
Competing low-interest rate cards
It’s not too easy to find another card with this combination of a low ongoing interest rate, moderate annual fee and introductory rates on both balance transfers and purchases.
But take a look at our low-interest credit cards section. You’ll probably want to spend some time looking at The Low Rate Credit Card from American Express, the NAB Low Rate Card, and the Westpac Low Rate Credit Card, as well as other cards that have at least some of the features you need.
Focus on the ongoing low interest rate
When choosing a credit card, it's important to look beyond short-term perks and consider its long-term benefits. If you need some financial flexibility to manage your debts, the Bankwest Breeze Mastercard offers a consistently low interest rate, which can be valuable both now and in the future if similar situations arise.
Reviewed by Yvonne Taylor
Lead Product Analyst
User reviews
Convenience
Customer service
Rates and fees
Rewards
Trust
Overdue fees are ridiculously high
Reviewed by LB
The overdue fees are ridiculously high. I rarely use the credit card and always try to make sure that I am in credit. On the rare occasions when I have owed money on the card and have been late in paying the amount due, the late fee has been exorbitant. eg Have owed a payment of $20 and the late fee was $30. So much for rewarding a good customer. I have the card, with a low credit limit, for convenience in paying certain household bills
Recently switched to Bankwest
Reviewed by Gill
I have only recently switched to Bankwest and have been pleased to have done this. It was introduced as six month interest free and I find this very helpful in reducing my credit card debt (which is very small, but none the less I need it to be under control). Friendly and supportive staff have been great to deal with. No have absolutely no complaints.
We really like this card
Reviewed by Happy
We really like this card because of the interest rate which is very low and have been very happy with the fees. When we have contacted the bank, customer service have always been friendly and helpful. Like the convenience of the card as its accepted everywhere in store and online. We would recommend it.
A good tool if used correctly
Reviewed by Charmars
Since I never experience late fees for I use my card only where I cannot use cash or E.F.P.O.S. and clear card as soon as I use it, or before the end of the month. In this way I don’t incur any charges at all, so I am well pleased with my MasterCard.
Very happy with it
Reviewed by Lauren
I am very happy with this credit card. Not sure if I get rewards for using it – if I do that will make it even better. Was easy to apply for and customer service has always been really great – friendly & helpful. Would definitely recommend this credit card to anyone else.
Missed a local branch
Reviewed by Peter
I found the inconvenience of not being able to go to a branch and discuss any issues I might be having as the most irritating aspect of having this card. Recently I was under a little financial stress and asked for assistance, which was given by reducing my interest rate to just under 10 percent. When I asked for the same offer as a balance transfer i.e. zero percent I was denied even tough I had been a customer for many years and never defaulted. Poor form.
Balance transfer promo was a great start!
Reviewed by Candice
I wanted a low rate balance transfer card for a small debt. It was quick to apply, the staff were fantastic, and the fees excellent. From my dealings with BankWest so far, I am now thinking of transferring all of my accounts across to them. I can access my account through all Commonwealth banks and online banking is easy. I would recommend this balance transfer card to anyone.
Never lets me down
Reviewed by Josh
Bankwest is the best bank, offering the best cards and customer service. The Breeze MasterCard is easy to apply for at any Bankwest branch. The card is also accepted at every store I have ever bought from. I lost my card outside the vet clinic one day and it took less than three days to receive my new one in the mail. Amazing.
My kind of bank
Reviewed by Nancy
Bankwest is a good bank, The card has low Interest rates, and there is good customer service. Very professional, honest and it’s a West Australian bank which cares for its customers. Very honest and reliable. Bankwest has a good heritage and is very secure and will be around for a long time. My kind of bank, highly recommended.
I would use this card most days
Reviewed by Abbey
I am not sure if I would really recommend it, but you get it. It would be nice to have lower interest rates. If it had lower rates then I would probably recommend it. As it is, I might only give it a few more stars than it is worth.
Bankwest is just one of those banks that is average at everything it does.
No-frills, low bills, not for dills
Reviewed by Simone
This product consistently delivers a considerably lower interest rate on purchases, year after year. I have had the product for approximately 7 years.
The annual fee is fair, but nearing what I would deem unacceptable for a basic credit card facility with no rewards scheme.
I’ve titled that this card is “not for dills”,as to operate it without grief you must be organised to get your monthly payment (minimum or higher) to Bankwest on time, with payment being via BPAY only for those outside Western Australia with no access to branch payment. Bank@Post isn’t available. Similarly
Great service and very low interest
Reviewed by Jacqueline
The card is bright and easy to find in my wallet. The interest rates are low. The service is always great. I have never had any problems with this card or with this bank.
My card was hacked. They knew before did, and rang me straight away. Bankwest all the way!
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