Bankwest Breeze Mastercard

On website

Bankwest Breeze Mastercard

Balance transfer

12 months at 0% p.a.

Purchase rate

12 months at 0% p.a.

Annual fee

$49.00 p.a. ongoing


  • 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.

About this credit card


Card usage

Apple Pay Enabled
Card Type
Gambling Transactions Allowed
Samsung Pay Enabled


Joint Application Accepted
Minimum Age
18 years
Minimum Credit Rating
Below Average, Fair, Good, Very Good, Excellent
Minimum Income
Temporary Residents Accepted

Additional cardholders

Additional Cardholders
Additional Card Fee Ongoing

Credit limits

Minimum Credit Limit
Maximum Credit Limit


Interest Charged From
Purchase date
Interest Free Period
Up to 55 days on purchases
Minimum Repayment Percentage

Balance transfers

Balance transfer offer

Balance Transfer Rate
Balance Transfer Period
12 months
Balance Transfer Fee Percentage

Balance transfer conditions

Balance Transfer From Personal Loan
Balance Transfer Limit Percentage
Balance Transfer Revert Rate

Rates, fees, charges

Cash advances

Cash Advance Rate
21.99% p.a.
Cash Advance Fee
Cash Advance Fee Percentage
Cash Advance Fee Threshold


Purchase Rate Introductory Offer
Purchase Rate Introductory Period
12 months
Purchase Rate Ongoing
12.99% p.a.

Account fees

Annual Fee Initial Year
Annual Fee Ongoing
Dishonour Fee
Duplicate Statement Fee
Foreign Exchange Fee Percentage
Late Payment Fee


Rewards program basics

Rewards Program
Rewards Program Annual Fee Initial Year
Rewards Points Expiry

Rewards points per $1 spent

Domestic Rewards Points Earn Rate
Government Rewards Points Earn Rate
Overseas Rewards Points Earn Rate

Additional perks


Cardholder's Domestic Hotel Burglary Insurance
Cardholder's Extended Warranty Insurance
Cardholder's International Travel Insurance
Cardholder's Interstate Flight Inconvenience
Cardholder's Personal Item Theft Cover
Cardholder's Price Protection Insurance
Cardholder's Purchase Protection Insurance
Cardholder's Refund Protection
Cardholder's Transport Accident Insurance

Travel and lifestyle

Airport Lounge Access Included
Concierge Service Included
Complimentary Flight Voucher Included
Complimentary QFF Membership Included

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.


Reviewed by Credit Card Compare Staff

User reviews


Customer service

Rates and fees



Overdue fees are ridiculously high

Reviewed by LB

Recently switched to Bankwest

Reviewed by Gill

We really like this card

Reviewed by Happy

A good tool if used correctly

Reviewed by Charmars

Very happy with it

Reviewed by Lauren

Missed a local branch

Reviewed by Peter

Balance transfer promo was a great start!

Reviewed by Candice

Never lets me down

Reviewed by Josh

My kind of bank

Reviewed by Nancy

I would use this card most days

Reviewed by Abbey

No-frills, low bills, not for dills

Reviewed by Simone

Great service and very low interest

Reviewed by Jacqueline

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