Credit Card Compare

Bankwest Breeze Classic Mastercard

12 reviews
Data last updated 20 July 2026
12.99%
Purchase rate
$49
Annual fee
55 days
Interest-free

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Bankwest Breeze Classic Mastercard card
60 second approval
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CardIQ

68Good

Good

Overall score, out of 100 · How this works

  • 55 days interest-free59
  • Balance transfer72
  • First timer75
  • Low rate66

Customer reviews

3.9

Based on 12 reviews

Customer service, the interest rate and fees drew the most praise.

JacquelineRecommends

Great service and very low interest

The interest rates are low. The service is always great. I have never had any problems with this card or with this bank. My card was hacked. They knew before did, and rang me straight away. Bankwest all the way!

SimoneRecommends

No-frills, low bills, not for dills

This product consistently delivers a considerably lower interest rate on purchases, year after year. I have had the product for approximately 7 years. The annual fee is fair, but nearing what I would deem unacceptable for a basic credit card facility with no rewards scheme.I’ve…

AbbeyDoesn't recommend

I would use this card most days

I am not sure if I would really recommend it, but you get it. It would be nice to have lower interest rates. If it had lower rates then I would probably recommend it. As it is, I might only give it a few more stars than it is worth.Bankwest is just one of those banks that is…

NancyRecommends

My kind of bank

Bankwest is a good bank, The card has low Interest rates, and there is good customer service. Very professional, honest and it’s a West Australian bank which cares for its customers. Very honest and reliable. Bankwest has a good heritage and is very secure and will be around for…

JoshRecommends

Never lets me down

Bankwest is the best bank, offering the best cards and customer service. The Breeze MasterCard is easy to apply for at any Bankwest branch. The card is also accepted at every store I have ever bought from. I lost my card outside the vet clinic one day and it took less than three…

CandiceRecommends

Balance transfer promo was a great start!

I wanted a low rate balance transfer card for a small debt. It was quick to apply, the staff were fantastic, and the fees excellent. From my dealings with BankWest so far, I am now thinking of transferring all of my accounts across to them. I can access my account through all…

PeterRecommends

Missed a local branch

I found the inconvenience of not being able to go to a branch and discuss any issues I might be having as the most irritating aspect of having this card. Recently I was under a little financial stress and asked for assistance, which was given by reducing my interest rate to just…

LaurenRecommends

Very happy with it

I am very happy with this credit card. Not sure if I get rewards for using it – if I do that will make it even better. Was easy to apply for and customer service has always been really great – friendly & helpful. Would definitely recommend this credit card to anyone else.

CharmarsRecommends

A good tool if used correctly

Since I never experience late fees for I use my card only where I cannot use cash or E.F.P.O.S. and clear card as soon as I use it, or before the end of the month. In this way I don’t incur any charges at all, so I am well pleased with my MasterCard.

HappyRecommends

We really like this card

We really like this card because of the interest rate which is very low and have been very happy with the fees. When we have contacted the bank, customer service have always been friendly and helpful. Like the convenience of the card as its accepted everywhere in store and…

Pros & cons

What's good

  • 24 months at 0% p.a. on balance transfers, longer than the 12-month median (3% transfer fee, reverts to 12.99% p.a.).
  • The 12.99% p.a. purchase rate is among the lowest ongoing purchase rates (the median card charges 18.99% p.a.).
  • 2.95% foreign transaction fee, below the 3% most cards charge.
  • No fee to add an additional cardholder.

Worth noting

  • Earns no rewards points on spending.

Card details

The basics

Additional cardholder fee
$0 p.a.
Card tier
Standard
Card type
Mastercard
Card use
Personal
Credit limit
$1,000 – $100,000
Credit rating
Good
Rewards program
None

Eligibility

Instant approval
Yes (response in ~60 seconds)
Joint application
No
Minimum age
18 years old
Minimum income
Not specified
Residency
Australian citizen or permanent resident
Temporary residents
Not eligible

Rates & fees

Ongoing interest rates

Cash advances
21.99% p.a.
Purchases
12.99% p.a.

Fees

Additional cardholder fee
$0
Annual fee
$49 p.a.
Cash advance fee
3% of the amount
Foreign transaction fee
2.95%
Late payment fee
$25

Repayments

Interest-free period
Up to 55 days on purchases
Minimum repayment
2% of the closing balance or $20, whichever is greater

Balance transfers

Can't transfer from
Bankwest, Commonwealth Bank
Limit
Up to your available credit limit
Period
24 months
Promotional rate
0% p.a.
Revert rate
12.99% p.a.
Transfer fee
3%

While you carry a transferred balance you may not receive interest-free days on new purchases.

Introductory purchase offer

This card has no introductory purchase rate offer. If you're carrying a balance or planning a big spend, compare 0% purchase cards.

Rewards

This card doesn't earn rewards points. It focuses on a low cost of ownership instead. If earning points matters to you, compare frequent flyer cards and rewards cards.

Where this card sits vs similar cards

Compared with every other personal credit card we list that has the feature. The further right the dot, the better this card does.

Balance transfer0% for 24 monthsTop 10% (2nd of 61 cards)
Interest-free days55 daysTop 10% (6th of 192 cards)
Purchase rate12.99%Top 25% (45th of 196 cards)
Overseas fee2.95%Top 25% (49th of 200 cards)
Annual fee$49 a yearBetter than most (57th of 200 cards)

Data as at August 2026. Rates change often, so check the issuer's terms. Factual information, not a recommendation.

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Questions and answers

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Sources

Issuer
Bankwest