Bankwest Breeze Classic Mastercard Review (2026)
Rates and details verified 17 May 2026
Rates can change without notice. Last verified: 17 May 2026 (AEST). Please confirm details on the bank’s official page.
Purchase rate
12.99%
p.a. variable
Annual fee
$49
no monthly fee
Balance transfer offer
0%
p.a. for 24 months (3% fee)
How the Bankwest Breeze Classic Works
The Bankwest Breeze Classic Mastercard offers the second-lowest fixed purchase rate among the major bank low-rate cards at 12.99% p.a. — with a lower annual fee than most competitors at just $49/year.
New customers can also take advantage of a 0% p.a. balance transfer for 24 months, making it one of the strongest balance transfer offers available on a low-rate card. After the 24-month period, any remaining transferred balance reverts to the standard purchase rate of 12.99% p.a.
Key Rates and Fees
| Feature | Detail |
|---|---|
| Purchase rate | 12.99% p.a. variable |
| Balance transfer rate | 0% p.a. for 24 months (new customers) |
| Balance transfer fee | 3% of amount transferred |
| Annual fee | $49/year |
| Interest-free days | Up to 55 days on purchases |
| Foreign transaction fee | 2.95% |
| Rewards | None |
Rates as at 17 May 2026. Check Bankwest's website for the latest.
The 24-Month Balance Transfer Offer
A 3% balance transfer fee on a $5,000 debt costs $150 upfront. But 24 months at 0% saves you roughly $1,250 in interest compared to a card charging 12.99% p.a. on the same balance — a significant saving even after the fee.
Key to note: after the 24-month period, any unpaid balance reverts to 12.99% p.a. The goal should be to repay the transferred balance in full before the promotional period ends.
Pros and Cons
Pros
- ✓ 12.99% p.a. — among the lowest fixed rates available
- ✓ $49/year — lowest annual fee of the low-rate cards we track
- ✓ 0% balance transfer for 24 months (longest offer available)
- ✓ Up to 55 interest-free days on purchases
Cons
- ✗ 3% balance transfer fee
- ✗ 2.95% foreign transaction fee
- ✗ No rewards, cashback, or travel benefits
- ✗ Bankwest is a subsidiary of CommBank — not a truly independent lender
How It Compares
- CommBank Low Rate: 10.99–15.99% (personalised), $72/year
- Bankwest Breeze Classic: 12.99% (fixed), $49/year — 0% BT 24 months
- NAB Low Rate: 13.49% (fixed), $99/year (waived yr1)
- ANZ Low Rate: 13.74% (fixed), $58/year
- Westpac Low Rate: 13.74% (fixed), $59/year
Bankwest Breeze Classic is the standout for balance transfer candidates: lowest fixed rate, lowest annual fee, and longest 0% BT offer.
FAQs
What is the purchase rate?
12.99% p.a. variable — fixed for all approved customers (not personalised).
Is there a balance transfer offer?
Yes — 0% p.a. for 24 months for new customers. A 3% balance transfer fee applies. After 24 months, any remaining balance reverts to 12.99% p.a.
What is the annual fee?
$49 per year. No monthly fee.
Information is general in nature and may change without notice. Details verified 17 May 2026. Confirm current rates, fees, and eligibility on Bankwest's website before applying. This is not financial advice.