Bankwest Breeze Mastercard

bankwest breeze mastercard
Bankwest Breeze Mastercard has a 0% p.a. offer for 15 months.

It’s a breeze to use the Bankwest Breeze Mastercard to get your finances in order and save on interest. We apologize for the joke, but that’s really the idea behind this credit card: an easy to use option with low fees and a great intro offer that most people can’t ignore. If you’re drowning in interest rates on your other cards, maybe it’s time to check this one out. 

This credit card featured among the 2021 choices for best cards by Mozo Australia. This is no small feat, since only the best of the best end up in this list curated by the top experts in the financial field. If you’re looking for a safe and easy to use credit card, it’s time to learn everything you can about Bankwest’s option. 

Just be aware: this is a simple credit card. You won’t find much when it comes to fancy rewards programs here. If that’s more your style, you might wish to check elsewhere before actually making a decision. However, if you’re really into credit cards that make your life simpler, then keep reading to find out benefits, fees and interest rates, who is eligible and who should use this card. 

bankwest breeze mastercard
Credit Card
Bankwest Breeze Mastercard
0% intro P.A. No annual fee
Minimum $35.000/year income to apply.
Click here to Apply On credit card page

How does Bankwest Breeze Mastercard work?

The term that best describes Bankwest Breeze Mastercard is low cost. Through all of its features, Breeze Mastercard allows many users to make their financial lives simpler through low interest rates and fees. If you’re a new Bankwest client, you’ll even get quite a few months without having to pay an annual fee or purchase rate at all. 

The tip here is to get your current balances from other cards and transfer to Bankwest Breeze. Even if you pay a balance transfer fee, it will mostly make up for it by the low p.a. Other than that, this is a straight forward card that doesn’t have a lot of perks to it. 

Just be aware that despite not having a lot of advantages, this credit card isn’t a low score card. You’ll understand all of its requirements further ahead, but know that you will need a minimum income and at least good credit score. 

During the application process, the Bankwest financial company should make a hard check on your score. This means that your score might be a little affected, but not enough to make it not worth it. 

Main benefits for Bankwest Breeze Mastercard

Bankwest Breeze Mastercard pops out to Australian credit card holders because of its introduction offer for 0% purchase rate. Anyone who gets an approval for this credit card will get to save up a bit with their credit card interests, but there’s more than meets the eye with this card: 

  • Free extended warranty insurance; 
  • 0% purchase rate on purchases and balance transfer for 15 months; 
  • Up to 3 additional card holders without extra cost; 
  • Compatible with most mobile wallets, such as Samsung Pay, Google and Apple Pay; 
  • No annual fee; 
  • Up to 55 interest free days on all types of purchases;
  • 0% balance transfer rate for the first fifteen month. 

Without many fees or high interest to worry about, you can shop freely. Anyone can use this credit card to make one big purchase or many day to day small ones and pay only the minimum balance without worrying. You’ll have the rest of your fifteen months to pay it off without extra costs. 

Cons for Bankwest Breeze Mastercard

The main problem with this Bankwest Breeze Mastercard is the fact that there isn’t a rewards program. While some consumers are looking for something that allows them to get lower interest rates overall, other would rather get value for their money when using a card. 

Rewards and cashback programs are the best bet when you’re looking for that. This won’t happen with this specific Bankwest program, but you’ll find there are plenty of other choices with low rates (although rarely as low as this one) and some rewards as well. 

How does the intro 0% p.a. offer work? 

Not everyone is eligible for the intro offer of 0% purchase rate with this credit card. It is only available for new card holders and new Bankwest Breeze Mastercard clientes. Someone who already has one of Bankwest’s other cards in their wallet won’t be able to get such a great opportunity. 

The 0% p.a. for your balance rate isn’t assured either. Even new card holders can lose the benefit if they fail to pay on time every month. Another important detail: balances from Bankwest cards aren’t really a part of this promotion. So you can transfer from any card, but other products from the same bank. 

Bankwest is famously owned by Commbank. Despite that, you can transfer balances from those cards to Breeze. Other than that, we strongly recommend you keep a hold of your spending. Even if the purchase rate isn’t so high, keeping a balance will make it worse for you once the charges kick in. 

APR and fees for this credit card

After the initial fifteen months of intro offer you’ll have to pay all fees for this Bankwest Breeze Mastercard: 

  • 9,9% balance transfer p.a.;
  • 9,9% purchase p.a.;
  • $49 annual fee;
  • 21,99% cash advance rate; 
  • $25 late payment fee;
  • $10 over limit fee. 

Who is eligible for Bankwest Breeze?

Any Australian citizen over 18 years old or more can apply for this credit card. You also need a minimum income at $35.000 a year. Permanent residents who also have a valid Visa should be able to apply as well with no problem. 

During the application process you’ll also need to give some personal information, like: 

  • Full name, birth date, contact number and e-mail address; 
  • Employment details, including role, how long you’ve been working at the company and employer’s contact details; 
  • Income details, including any type of fixed income, such as salary and pensions; 
  • Copies of passport, driver’s license and Medicare card. 

Everything happens through Bankwest official website.


In conclusion, the Bankwest Breeze Mastercard stands out for its simplicity and cost-effectiveness, offering a 0% purchase rate and balance transfer offer for the first 15 months. It’s ideal for those looking to save on interest charges, especially for new purchases or consolidating existing credit card debt. With no annual fee, compatibility with mobile wallets, and extended warranty insurance, it caters well to users focused on straightforward financial management rather than rewards programs. However, potential applicants should consider its lack of rewards and the standard fees that apply after the introductory period. Overall, it’s a solid choice for Australians seeking a low-cost credit card option.

bankwest breeze mastercard
Credit Card
Bankwest Breeze Mastercard
0% intro P.A. No annual fee
Minimum $35.000/year income to apply.
Click here to Apply On credit card page
Written By