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    • Bankwest Breeze

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    Advertisement Breeze card from Bankwest

    Australia's lowest MasterCard purchase rate of 10.99% p.a.

    • 4.99% p.a. for the first 12 months on non-Bankwest credit card balance transfers
    • If you find goods you buy with your card cheaper within 21 days, claim the difference
    • Up to 55 days interest free on purchases

    Bankwest Breeze Review

    Review published: 11 January 2012

    What's hot:

    • 10.99% purchase rate
    • 4.99% balance transfer rate for 12 months
    • Balance transfer reverts to the hot purchase rate

    What's not:

    • 21.99% cash advance rate

    Mozo snapshot:

    This is a credit card that lives up to its name: breezy and perfectly pleasant, with impressively low purchase and balance transfer rates that will win everyone over.

    Key features: With a 10.99% purchase rate, the Bankwest Breeze has the lowest credit card interest rate of the major players, which you've got to love. Equally dishy is the 4.99% balance transfer rate - one of the best around for a 12-month stint. This is a credit card that does what it says on the box, plus with free gifts inside. Cardholders are also protected against loss, theft or accidental damage of goods bought with the Bankwest Breeze, and the included price protection insurance means you'll never miss out on a sale! If you buy anything on the card, then see it cheaper anywhere else within 21 days you can claim the difference. Plus you can get up to three supplementary cards free of charge.

    Who it's good for: For cardholders wanting to knock over a credit card debt and avoid building a new one, the Bankwest Breeze will put the wind in your sails. It's perfect if you're looking to consolidate your old credit cards and put a dent in your debt, but if you do need to spend a little along the way, the low 10.99% rate on purchases won't send you right back where you started. Just remember to pay off your old baggage within 12 months.

    Any catches? The Bankwest Breeze credit card draws the line of low rates at cash advances, reverting back to the usual, miserable 21.99%. Also keep an eye on the late payment and overlimit fees, which come in at $35 and $30 respectively - which can make for some unhappy banking. But stay on top of your credit card admin and use this card wisely - like we know you will - and you'll enjoy smooth sailing.

    How are Bankwest credit cards rated by the Mozo community?

    Product Type Overall Price Features Service Convenience Trust
    Bankwest credit cards 7.4 Based on 140
    Bankwest credit card reviews     		7.0 5.9 7.3 7.5 7.4

    Read Bankwest credit card reviews by the Mozo community

    Rates

    Purchase rate
    10.99%
    Intro purchase rate
    none
    Balance transfer rate
    4.99% for 12 months
    Balance transfer term
    12 Months
    Balance transfer revert to cash
    no
    Cash advance rate
    21.99%
    Interest free days
    55

    Other financial bits

    Minimum repayment amount
    $20.00
    Minimum repayment percent
    2.0

    Fees

    Annual card fee
    $69.00
    Introductory fee
    none
    Annual fee spend threshold
    10000
    Reward program fee
    $
    Late payment fee
    $35.00
    Overlimit fee
    $30.00
    Cash advance fee
    $2%, Min $4.00
    Foreign exchange margin
    2.95%
    Duplicate statement fee
    $7.50
    Transaction verification fee
    $12.00
    Additional card fee
    $0.00
    Establishment fee
    $

    Features

    Additional cardholders
    3
    Other restrictions
    none
    Other benefits
    none

    About Bankwest

    BankWest is the bank best known for its Happy Banking initiative, which aims to make banking a more positive experience. Originally from Western Australia, BankWest has attracted thousands of customers around the country with its competitively priced products such as the TeleNet Saveraccount. In late 2008 the bank was bought by the Commonwealth Bank, who have promised to retain the BankWest brand. So if you like the sound of Happy Banking, check out BankWest's range of personal banking products including savings accounts, bank accounts, credit cards, home loans and more.

    Mozo People's Choice Awards. As voted by the Australian money public. Our Community of 23,000 reviewers gave this provider the thumbs up.

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