Credit Cards

Bankwest Breeze Mastercard review: Your Go-To Low Rate card

See how the Bankwest Breeze Mastercard can help you manage and reduce debt effectively. With its 0% p.a. introductory rate, it's an ideal card for strategic financial planning.

Note: The information provided in this article is accurate at the time of publication but may be subject to change or cancellation by the card issuer.

Why the Bankwest Breeze Mastercard is a Game-Changer for Your Wallet

Tired of your old credit cards and looking for a brand new one? Look no further! The Bankwest Breeze Mastercard might just be the perfect fit for you.

This card comes with an enticing 0% for your whole first year on everything you buy and also for balance transfers. It’s a fantastic option for anyone looking to manage their finances more effectively.

Key Takeaways ✨

Bankwest Breeze Mastercard offers 0% p.a. for 12 months on purchases and balance transfers.

The Platinum option includes benefits like travel insurance and no foreign transaction fees.

Applicants must be over 18 and Australian residents with valid ID and financial details.

Additionally, the Classic option boasts no annual fee and a low ongoing rate, making it an economical choice for everyday expenses.

The Bankwest Breeze Mastercard offers two versions: Classic and Platinum. The Platinum card provides extra travel perks and is a great pick if you’re a globetrotter or frequently shop internationally.

Curious about eligibility and application requirements? If you’re over 18 and an Australian permanent resident, you’re halfway there!

Ready to dive deeper into this card’s features? Keep your eyes on the screen to learn more about the benefits and how to get this card.

Credit Card

Bankwest Breeze

low rate ⭐⭐⭐

This Mastercard will help you save money with a low APR

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The Essentials of Bankwest Breeze Mastercard: Key Features and Reliability

bankwest website — Check the key features you’ll find in this Mastercard. Source: Bankwest website.

The Bankwest Breeze Mastercard is designed to offer value and flexibility to its users. One of its standout features is that you’ll pay no interest on balance transfers and things you buy using this card for one year.

However, pay attention to the 2% fee for balance transfers. Even with this fee, the card will be a strategic tool to handle the debt machinery.

The card also offers a low ongoing purchase interest rate of approximately 12.99% p.a., making it a cost-effective choice for continuous use. Some of the key features include:

Low Rate: Enjoy one of the lowest ongoing purchase interest rates around.

Balance Transfers: Benefit from 0% p.a. for 12 months, subject to a 2% fee.

Exclusive Benefits: Access special deals and rewards.

Bankwest’s reputation for reliability and excellent customer service means you can trust their products.

The key features and this issuer’s impeccable reputation make the Bankwest Breeze Mastercard a solid option. This is especially true if you’re seeking low interest rates and top service.

The Full Picture: Advantages and Disadvantages

While the Bankwest Breeze Mastercard shines with benefits like low interest rates and special offers, it also has some potential drawbacks. Here’s a closer look:

The Goods 👍:

Low Interest Rate: One of the lowest ongoing interest rates, helping you save on interest payments.

0% p.a. Introductory Rate: Ideal for consolidating debt or making large purchases with 0% p.a. for 12 months.

Annual costs (First Year): Try out the card at a lower cost, with no annual fee for the first year.

Fee-Free Overseas Purchases: Make international purchases without worrying about extra fees.

Additional Cardholder: Add a free additional cardholder to manage household expenses more easily.

… and the “could be betters” 👎:

High Cash Advance Rate: The card has a high rate for cash advances at 21.99%, which can quickly add up.

Late Payment Fee: Watch out! The $25 late payment fee will bite your ankles if you miss a payment deadline.

Minimum Credit Limit: The Platinum version has a $6,000 minimum credit limit, which might be too high for some.

Annual Fee After First Year: After the first year, a $49 or $69 annual fee applies, which could be a factor for long-term use.

Balance Transfer Fee: A 2% fee applies for balance transfers, adding to the cost of consolidating debt.

Do You Qualify? Bankwest Breeze Mastercard Application Requirements

woman making purchase using credit card — Enjoy one year of 0% APR on your purchases. Source: Canva Pro.

To qualify for the Bankwest Breeze Mastercard, you’ll need to meet certain criteria. Here’s what you should know:

Minimum Credit Score: Get your credit score up to 650, which is required. A higher score can increase your chances of approval.

Income Thresholds: Applicants generally need a minimum annual income of $30,000 AUD to demonstrate the ability to manage repayments.

Debt-to-Income Ratio: This is usually a trick requirement, and so is the math! Do not exceed 40% of your monthly income with debt.

Employment Status: Full-time employment is preferred, but part-time and self-employed applicants may also be eligible with proof of income.

Citizenship Requirements: Are you a real Australian citizen? Do you possess a permanent resident? Got your proof of residency ready? So your good to go.

Age Requirement: Applicants must be at least 18 years old.

Additional Tips:

Do not use your whole credit limit every month. It’s like a chocolate bar: we know you want to eat it all, but keep some for later.

Avoid applying for multiple credit products simultaneously.

Do you know there can be errors in your credit report? Yes, it can happen. So, keep an eye on your reports to ensure a good score.

By meeting these criteria, you can boost your chances of receiving an email with a big YES for the Bankwest Breeze Mastercard.

Credit Card

Bankwest Breeze

low rate ⭐⭐⭐

This Mastercard will help you save money with a low APR

You will be redirected to another website

Bankwest Breeze Mastercard: How to Navigate the Application Process

Okay, so by now, you already know what to expect from this plastic. Now is also the moment to learn how to apply for it if you think it will make your financial life easier.

Step 1: Review the Offer

Before applying, review the features of the Bankwest Breeze Mastercard to ensure it meets your needs. See if the key features are really a good deal for your real financial situation.

Step 2: Gather Required Documents

You’ll need:

Two forms of primary ID (e.g., Australian driver’s licence, passport, or Medicare card)

Information about your income, expenses, assets, loans, and other credit cards

Step 3: Check Eligibility

Make sure you meet the basic eligibility requirements:

Have you celebrated at least 18 anniversaries?

Can you say you are a true Aussie with a permanent resident?

Step 4: Start Your Application Online

Visit the Bankwest website and begin your application by entering your personal, income, and other necessary details.

Step 5: Submit Documentation

Upload or provide copies of your valid ID and proof of income. Double-check the accuracy of all information to avoid delays.

Step 6: Complete the Balance Transfer Request

If you plan to transfer a balance from another credit card, complete the balance transfer section of the application. Remember that there is a 2% balance transfer fee.

Step 7: Await Approval.

Now, Bankwest will review your application and may contact you for additional information. This process typically includes a credit check and document verification.

Final Steps: Wait for your Breeze card to arrive and activate its power!

After Bankwest asses you’re approved to be a part of their family, you’ll receive your Bankwest Breeze Mastercard by mail. Follow the activation instructions to start enjoying your card’s benefits.

But what about other options? Check the ANZ Platinum Credit Card

Considering alternatives to the Bankwest Breeze Mastercard? The ANZ Platinum credit card might be just what you need. Here’s a comparison to help you decide.

Feature	Bankwest Breeze Mastercard	ANZ Platinum Credit Card
Credit Score Requirement	Average to Good	Good
Annual Percentage Rate (APR)	From 12.99% p.a.	From 20.24% p.a.
Annual Fee	$0 for the first year, then $49 or $69	$87
Credit Limit	Subject to approval	Subject to approval
Rewards Program	None	Earn reward points on purchases
Foreign Transaction Fees	None	Up to 3%
Introductory Offers	0% p.a. for 15 months on purchases and balance transfers	$300 cashback after spending $1,500 in first 3 months

The ANZ Platinum credit card stands out with its reward points program, allowing you to earn points on eligible purchases.

It also offers a $300 cashback when you meet the spending requirement within the first three months.

For those interested in rewards and a strong introductory offer, the ANZ Platinum is worth considering.

So stay around our website, as you’re already here, and peek at our ANZ Platinum credit card full review, just in case you can use some premium travel perks.