Breeze Mastercard card image

Bankwest Breeze Mastercard

Advertiser disclosure
Purchase rate
0% p.a. for 12 months then 12.99% p.a.
Balance transfer rate
0% p.a. for 12 months and then 12.99% p.a. (2.00% balance transfer fee)
Annual fees
$49
Interest free days on purchases
55

Mozo editorial review Bankwest Breeze Mastercard - last updated: 4 January 2024

binocular icon
What's hot
  • 2023 Mozo Experts Choice Credit Card Provider of the Year
  • 0% p.a. on balance transfers for 12 months, then 12.99% p.a.) thereafter
  • Pay off purchases in installments
What's not
  • 21.99% p.a. cash advance rate
Mozo snapshot

Whether you're looking for a credit card to pay off an existing balance, or to simply have in your back pocket to make purchases, Bankwest's Breeze Mastercard has plenty of perks. It comes with a 0% balance transfer interest rate for the first 12 months, after which the rate increases to 12.99% p.a. There's also a 0% purchase rate for the first 12 months (also reverts to 12.99% p.a.) with a $49 annual fee.

It's no wonder the card was awarded not one, but two 2023 Mozo Experts Choice Awards for best Low Rate Credit Card and best Balance Transfer Credit Card! 

Bankwest's payment plan, "Easy Instalment Purchase Plan" which is available on all credit cards also won Bankwest an award for best Credit Card Payment Plan. 

key icon
Key features
The Bankwest Breeze Mastercard comes with an intro balance transfer rate offer of 0% p.a. for 12 months (2% BT fee applies) to help get on top of your credit card balance and clear some debt from an old card. Plus, benefit from no interest on everyday purchases for over a year.

Keep in mind that after the initial 12 months, any leftover balance will start to be charged interest at the ongoing balance transfer and purchase rate of 12.99% p.a. Just remember that this offer’s available to new customers for a limited time only! Other T&Cs may also apply.

Bankwest is also allowing customers to pay off purchases with their easy instalment purchase plan.

Finally with a low purchase rate on offer, it's no wonder this Bankwest card received a 2022 Mozo Experts Choice Award.


snapshot
Who is it good for

If you find yourself carrying a large balance on your credit card from time to time, the Bankwest Breeze Mastercard is a good pick with a 0% p.a. on balance transfers for 12 months (2% BT fee applies). You can also take advantage of no interest on purchases for the first 12 months, and an ongoing purchase rate interest rate of 12.99% p.a. making this card a real all-rounder.

question icon
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 19 March 2024 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.

0% p.a. for 12 months

0% p.a. for 12 months and then 12.99% p.a. (2.00% balance transfer fee)

no

21.99% p.a.

55

Fees

$49.00

none

none

none

$25.00

3%, Min $4

2.95%

$1.25

$0.00

$0.00

Features

$20.00

2.0

3

Introductory rate on balance transfers is available to new Bankwest credit card customers who apply before the promotion ends. Minimum balance transfer amount is $500 and is limited to up to 95% of approved credit limit.

Payment options

Apple Pay, Google Wallet

Other benefits

Annual fee is waived in the first year and will be payable in subsequent years in advance on each anniversary date of card opening. In instances where the first year annual fee is charged to the account, this will be refunded within 30 days. Set up Easy Instalments purchase plans to spread the cost of up to 5 eligible purchases over 4 monthly instalments at 0% p.a.

Customer Reviews

How are Bankwest credit cards rated by the Mozo community?

Overall
Price
Features
Customer service
Convenience
Trust

Latest reviews of Bankwest Breeze Mastercard Credit Card

About Bankwest

Thumbnail icon for NAB
NAB

Low Rate Card

13.49% p.a.

0% p.a. for 28 months and then 21.74% p.a. (2.00% balance transfer fee)

$59 $0 in the first year

Thumbnail icon for American Express
American Express

Platinum Edge Credit Card

23.99% p.a.

No current offer

$195 $0 in the first year

Membership Rewards

Thumbnail icon for American Express
American Express

Qantas Ultimate Card

23.99% p.a.

No current offer

$450

Qantas Frequent Flyer

Thumbnail icon for American Express
American Express

Explorer Credit Card

23.99% p.a.

No current offer

$395

Membership Rewards

Thumbnail icon for G&C Mutual Bank
G&C Mutual Bank

Platinum Visa Credit Card

19.99% p.a.

No current offer

$299

Qantas Frequent Flyer

Thumbnail icon for American Express
American Express

Velocity Platinum Card

23.99% p.a.

No current offer

$375

Velocity Frequent Flyer

Thumbnail icon for American Express
American Express

Qantas Discovery Card

23.99% p.a.

No current offer

$0

Qantas Frequent Flyer

Thumbnail icon for American Express
American Express

Low Rate Credit Card

10.99% p.a.

No current offer

$0

Thumbnail icon for American Express
American Express

Qantas Ultimate Card

Qantas Frequent Flyer

$450

100,000

1.25 points up to 100,000 points/year, then
1 point uncapped

Thumbnail icon for NAB
NAB

Qantas Rewards Premium Card

Qantas Frequent Flyer

$250 $150 in the first year

70,000

0.66 points up to $3,000/month, then
0.33 points up to $6,000/month

Thumbnail icon for American Express
American Express

Qantas Premium Card

Qantas Frequent Flyer

$249

20,000

1 point uncapped

Thumbnail icon for NAB
NAB

Rewards Signature Card

NAB Rewards

$295 $145 in the first year

160,000

1.25 points uncapped

Thumbnail icon for American Express
American Express

Qantas Discovery Card

Qantas Frequent Flyer

$0

No current offer

0.75 points uncapped

Thumbnail icon for American Express
American Express

Velocity Escape Card

Velocity Frequent Flyer

$0

No current offer

0.75 points uncapped

Thumbnail icon for NAB
NAB

Qantas Rewards Signature Card

Qantas Frequent Flyer

$395 $295 in the first year

120,000

1 point up to $5,000/month, then
0.5 points up to $20,000/month

Thumbnail icon for Westpac
Westpac

Altitude Black

Altitude Rewards

$295 $150 in the first year

150,000

1.25 points uncapped

Thumbnail icon for NAB
NAB

Low Rate Card

0% p.a. for 28 months and then 21.74% p.a. (2.00% balance transfer fee)

13.49% p.a.

$59 $0 in the first year

Thumbnail icon for Citi
Citi

Premier Credit Card

0% p.a. for 6 months and then 22.24% p.a.

21.49% p.a.

$300 $150 in the subsequent years if you spend $48,000 on eligible purchases or cash advances in previous year., $150 in the first year

Citi Rewards Program

Thumbnail icon for Bank of Queensland
Bank of Queensland

Blue Visa Credit Card

0% p.a. for 9 months and then 21.74% p.a.

0% p.a. for 9 months then 20.74% p.a.

$60

Q Rewards

Thumbnail icon for Virgin Money
Virgin Money

Virgin Australia Velocity Flyer Card - Balance Transfer Offer

0% p.a. for 24 months and then 20.99% p.a.

20.74% p.a.

$149 $0 in the first year

Velocity Frequent Flyer

Thumbnail icon for Bankwest
Bankwest

More Mastercard

0% p.a. for 6 months and then 19.99% p.a. (1.00% balance transfer fee)

19.99% p.a.

$100

Bankwest More Rewards

Thumbnail icon for NAB
NAB

Low Rate Card

13.49% p.a.

0% p.a. for 28 months and then 21.74% p.a. (2.00% balance transfer fee)

$59 $0 in the first year

Thumbnail icon for American Express
American Express

Low Rate Credit Card

10.99% p.a.

No current offer

$0

Thumbnail icon for HSBC
HSBC

Low Rate Credit Card

12.99% p.a.

0% p.a. for 20 months and then 25.99% p.a. (2.00% balance transfer fee)

$99

Thumbnail icon for Australian Unity
Australian Unity

Low Rate Visa Credit Card

9.90% p.a.

No current offer

$59

Thumbnail icon for MOVE Bank
MOVE Bank

Low Rate Credit Card

8.99% p.a.

0% p.a. for 6 months and then 8.99% p.a.

$59 $0 in the first year

Compare other credit cards