Breeze Mastercard

Compare

Basic

Card Level
Card Level
Gold
Interest Free Days
Interest Free Days
55
Maximum credit limit
Maximum credit limit
No set max
Minimum credit limit
Minimum credit limit
$1,000
Minimum repayment dollars
Minimum repayment dollars
$20
Minimum repayment percent
Minimum repayment percent
2
Number free supplementary
Number free supplementary
3
Annual Fee
Annual Fee
$79
Late Payment Fee
Late Payment Fee
$25
Over limit fee
Over limit fee
$30
Duplicate statement fee
Duplicate statement fee
$8
Supplementary card annual fee
Supplementary card annual fee
$0
Apple Pay available
Apple Pay available
Google Pay available
Google Pay available
Samsung Pay available
Samsung Pay available
Card Level
Card Level
Gold
Interest Free Days
Interest Free Days
55
Maximum credit limit
Maximum credit limit
No set max
Minimum credit limit
Minimum credit limit
$1,000
Minimum repayment dollars
Minimum repayment dollars
$20
Minimum repayment percent
Minimum repayment percent
2
Number free supplementary
Number free supplementary
3
Annual Fee
Annual Fee
$79
Late Payment Fee
Late Payment Fee
$25
Over limit fee
Over limit fee
$30
Duplicate statement fee
Duplicate statement fee
$8
Supplementary card annual fee
Supplementary card annual fee
$0
Apple Pay available
Apple Pay available
Google Pay available
Google Pay available
Samsung Pay available
Samsung Pay available

Rates

Purchase Rate
Purchase Rate
12.99%
Cash advance rate
Cash advance rate
21.99%
Purchase Rate
Purchase Rate
12.99%
Cash advance rate
Cash advance rate
21.99%

Balance Transfer

Balance Transfer Rate
Balance Transfer Rate
0%for 13 months then 12.99%
Transfer Limit
Transfer Limit
95%of the chosen credit limit
Balance Transfer Fee
Balance Transfer Fee
$100
Balance Transfer Rate
Balance Transfer Rate
0%for 13 months then 12.99%
Transfer Limit
Transfer Limit
95%of the chosen credit limit
Balance Transfer Fee
Balance Transfer Fee
$100

Overseas spending

Foreign Exchange Fee
Foreign Exchange Fee
2.95% on MasterCard
Overseas charges
Overseas charges
$5
Estimated ATM Cost
Estimated ATM Cost
Foreign Exchange Fee
Foreign Exchange Fee
2.95% on MasterCard
Overseas charges
Overseas charges
$5
Estimated ATM Cost
Estimated ATM Cost

Rewards

Program name
Program name
Rewards Available
Rewards Available
Program name
Program name
Rewards Available
Rewards Available

Eligibility

Minimum age
Minimum age
18
Minimum income
Minimum income
Eligibility conditions
Eligibility conditions
Minimum age
Minimum age
18
Minimum income
Minimum income
Eligibility conditions
Eligibility conditions

Perks

  • Free Supplementary Cards

Features

The Bankwest Breeze Mastercard has a moderately low ongoing interest rate on purchases. This credit card is advertised as a low-rate card, and also includes a 24-month no-interest balance transfer offer for new customers. After the first 24 months, any remaining balance will revert to the same standard interest rate on purchases.

This credit card also includes a number of perks and benefits. Cardholders can sleep a little easier with free worldwide emergency card replacement – and platinum cardholders can enjoy this as well as complimentary international travel insurance and no foreign transaction fees on overseas purchases.

This credit card also has a moderate annual fee and offers a moderate number of interest-free days. Bankwest Breeze Mastercard cardholders will also receive VIP benefits at the Perth Arena, including access to the Bankwest Lounge. 

Pros
  • Moderately low interest rate
  • Interest-free balance transfer offer
  • No international transaction fees
Cons
  • Annual fee charged
  • No additional cardholders
  • No frequent flyer points

Who is it good for?

The Bankwest Breeze Mastercard offers a moderately low interest rate, which makes it more suited to customers who may struggle to pay off their credit cards in full each month. The Bankwest Breeze Mastercard’s lower interest rate means that interest will not stack up quite so quickly.

Similarly, for customers with existing credit card debt, the Bankwest Breeze Mastercard has a generous 24-month interest-free balance transfer offer. For those with a small or moderate debt that could be realistically paid off in less than two years, this credit card could be a good option.

Although frequent flyers will not earn air miles using this credit card, they can enjoy complimentary international travel insurance, as well as no foreign transaction fees for purchases made overseas, making it a potentially good credit card to use while abroad. 

What RateCity says

The Bankwest Breeze Mastercard is a harder-to-find hybrid credit card, that offers both moderate-to-low fees, as well as a number of perks and benefits.

This credit card’s interest rate is moderately low, and significantly lower than that of many other credit cards issued by the big four banks in Australia.

Its balance transfer offer of 24 months interest-free could also provide value to consumers who are looking for a good debt consolidation option. Notably, after the balance transfer offer ends, any remaining balance reverts to the credit card’s standard (but moderately low) interest rate, rather than the higher rate often charged with other credit cards. This could make the Bankwest Breeze Mastercard’s balance transfer offer a safer option than many others.

Along with several perks offered for platinum cardholders, the Bankwest Breeze Mastercard offers a competitive balance of affordable fees and cardholder benefits.

Applying/eligibility

To be eligible for the Bankwest Breeze Mastercard, you must be at least 18 years old and an Australian citizen or permanent resident. Customers are eligible for one Bankwest Breeze Mastercard each only - multiple cards are not permitted. You can apply online in just a couple of minutes, and will need to provide at least two forms of identification, your employment details, as well as proof of income. Make sure to read the terms and conditions before applying.

About the lender

Bankwest was founded in 1895 and was originally known as the Bank of Western Australia. Headquartered in Perth, Bankwest has previously been a subsidiary of Bank of Scotland, and then HBOS, before being acquired by the Commonwealth Bank of Australia in 2008. Besides serving Western Australia, Bankwest also has offices in Sydney, Melbourne, Adelaide, Canberra and Brisbane. Customers can contact Bankwest to report suspicious transactions or lost or stolen cards 24/7.

Compare your product with the big 4 banks, or add more products to compare
As seen on