Thumbnail icon for Bankwest

Bankwest Breeze Mastercard

Purchase rate
12.99% p.a.
Balance transfer rate
0% p.a. for 6 months and then 12.99% p.a. (2.00% balance transfer fee)
Annual fees
$79
Interest free days on purchases
55
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Mozo editorial review Bankwest Breeze Mastercard

Last updated: 6 May 2020.

binocular icon
What's hot
  • Low 12.99% purchase rate
  • Low $79 annual fee
What's not
  • 21.99% p.a. cash advance rate
Mozo snapshot

The Bankwest Breeze Mastercard comes with a super low ongoing purchase rate of just 12.99% for everyday spenders, making it a hot choice for those who tend to carry a small balance from month to month. Or, if you're looking to blast that balance away, there's a 0% balance transfer offer for 6 months (2% BT fee applies). Plus, you'll pay just a $79 annual fee, making this piece of plastic a pretty budget friendly option all round.

key icon
Key features

The Bankwest Breeze Mastercard comes with a low 12.99% purchase rate for regular spenders. That gives the Bankwest Breeze Mastercard one of the lowest credit card interest rates of the major players, which you've got to love, especially if you find yourself carrying a balance from time to time. 

Plus, there's a reasonable $79 annual fee, so your budget won't take a big blow just for having the card.

If you need to clear some debt from an old card, with the Bankwest Breeze Mastercard you can take advantage of a balance transfer offer which gives you 6 months interest free (2% BT fee applies) to get a handle on your balance without paying interest on top. Just keep in mind, you won't be able to take up this balance transfer offer if you're shifting a balance from another Bankwest card.

Keep in mind that after this period, any leftover balance will start to be charged interest at the ongoing 12.99% purchase rate - the good news is that's still a low rate anyway. It's also important to note that this offer’s available for a limited time only.

You can also enjoy the low rate spending with your loved ones thanks to the 3 additional cardholders option. Plus, for the tech-savvy, you can pay with Apple Pay, Google Pay and the Mozo Experts Choice Award winning Bankwest Halo payment ring.

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Who is it good for

The Bankwest Breeze Mastercard offers low-cost spending that will help to minimise the impact of a small lingering balance. So if you find yourself carrying a balance on your credit card account from time to time, this one's a good pick for it's low purchase rate and the option to take up a balance transfer offer to clear that debt (though keep in mind the cash advance rate is much higher.)

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Any catches

The Breeze Mastercard draws the line of low rates at cash advances, with a miserable 21.99%. Also keep an eye on the late payment fee which comes in at $25 - 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.

Details

Rates and fees information correct as at 29 May 2020 Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 12.99% p.a.

  • none

  • 0% p.a. for 6 months and then 12.99% p.a. (2.00% balance transfer fee)

  • no

  • 21.99% p.a.

  • 55

Fees
  • $79.00

  • none

  • none

  • none

  • $25.00

  • 2%, Min $4.00

  • 2.95%

  • $0.00

  • $0.00

  • $0.00

Features
  • $20.00

  • 2.0

  • 3

  • none

Payment options

Apple Pay, Google Pay, Payment Ring

Customer Reviews

How are Bankwest credit cards rated by the Mozo community?

Overall customer rating
7.3/10
Price
6.9/10
Features
6.2/10
Customer service
7.4/10
Convenience
7.5/10
Trust
7.5/10

Latest reviews of Bankwest Breeze Mastercard

  • Overall 10/10
    Best basic card.

    A good basic credit with very low interest rates and without the bells and whistles.

    Read full review

    A good basic credit with very low interest rates and without the bells and whistles.

    Price
    10/10
    Features
    0/10
    Customer service
    10/10
    Convenience
    10/10
    Trust
    10/10
    Less
    Nancy, New South Wales reviewed about 1 month ago
  • Overall 10/10
    Bankwest, a breeze!!

    Some of the greatest customer service I have ever received. Bankwest gave me a balance transfer with the Breeze Mastercard to consolidate my other cards with 6 months interest free!

    Read full review

    Some of the greatest customer service I have ever received. Bankwest gave me a balance transfer with the Breeze Mastercard to consolidate my other cards with 6 months interest free!

    Price
    10/10
    Features
    10/10
    Customer service
    10/10
    Convenience
    10/10
    Trust
    10/10
    Less
    Dean, New South Wales reviewed 7 months ago
  • Overall 5/10
    Standard card without a reward program.

    Easy to get credit card, easy to navigate the web site and lovely staff at local branch. No rewards though which is a shame.

    Read full review

    Easy to get credit card, easy to navigate the web site and lovely staff at local branch. No rewards though which is a shame.

    Price
    5/10
    Features
    0/10
    Customer service
    7/10
    Convenience
    9/10
    Trust
    5/10
    Less
    Helen, Western Australia reviewed 7 months ago
  • Overall 5/10
    Don’t get a credit card full stop.

    I’ve tried to contact them to see whether I could change my card and their chat line never got back to me, plus they have closed a lot of branches.

    Read full review

    I’ve tried to contact them to see whether I could change my card and their chat line never got back to me, plus they have closed a lot of branches.

    Price
    5/10
    Features
    5/10
    Customer service
    5/10
    Convenience
    1/10
    Trust
    5/10
    Less
    Sandra, New South Wales reviewed 7 months ago
  • Overall 8/10
    Good bank

    I haven't compared it with other cards lately but it was competitive when I signed up.

    Read full review

    I haven't compared it with other cards lately but it was competitive when I signed up.

    Price
    -1/10
    Features
    2/10
    Customer service
    9/10
    Convenience
    8/10
    Trust
    9/10
    Less
    Arlo, New South Wales reviewed 7 months ago
Bankwest

About Bankwest

Bankwest is all about making your finances simple. Originally from Western Australia, Bankwest has attracted thousands of customers around the country with its competitively priced products such as the Hero Saver. In late 2008 the bank was bought by the Commonwealth Bank, which has promised to retain the Bankwest brand. So if you like the sound of simple banking, check out Bankwest's range of personal banking products including savings accounts, bank accounts, credit cards, home loans and more.

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