Bankwest Breeze Mastercard

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Bankwest Breeze Mastercard


  • Benefit from 0% p.a. interest on balance transfers for 12 months (with a 2% BT fee, then 12.99% p.a.).
  • 0% p.a. for 12 months on purchases (returning to 12.99% p.a.).
  • Enjoy up to 55 interest-free days on purchases.
  • Exclusive offer for new customers for a limited time. Additional charges, as well as terms and conditions, apply.

Pros and cons


  • 0% p.a. on balance transfers for 12 months.
  • 0% p.a. for 12 months on purchases.
  • Up to 55 interest-free days on purchases.


  • There are no rewards on this card.
  • There is a 2% BT fee.

Our review


Customer service

Rates and fees



Get one of the best balance transfer offers around – in three ways – when you apply for the Bankwest Breeze Mastercard.

  1. Firstly, there a long zero-interest balance transfer offer.
  2. 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.
  3. Finally, there's an introductory 0% interest offer on purchases too, 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.

12-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 12-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.

12-month period at 0% on purchases

You won't find too many cards that offer 0% on both balance transfers and purchases, running in parallel. It's normally either one or the other, but not both. With this card you can have your cake and eat it – a 0% balance transfer, plus no interest charges if you also use the card for purchases during the introductory balance transfer period.

Low balance transfer revert rate and low ongoing purchases interest rate

Once the introductory zero-interest balance transfer and purchase offers have 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 for a short period on your purchases balance is much more manageable than paying the 20% p.a., or more, charged by some cards.

And if you can’t quite manage to repay all of your transferred balance after the offer expires, you’ll also appreciate the fact that the revert interest rate is one of the lowest you’ll find.

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 are 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.

Look beyond the introductory interest rates

Introductory interest rates don’t last forever, so don’t let them make you overlook the card’s other features. If you need some temporary wriggle room to sort out your debts, this card will help you now, but you can be confident that its ongoing low interest rate may also prove very useful if you find yourself in a similar situation in the future.

Yvonne Taylor

Reviewed by Yvonne Taylor

Lead Product Analyst

User reviews


Customer service

Rates and fees



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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