An unbeaten 36 from Jemma Barsby along with handy runs from Haidee Birkett (10) and Georgia Prestwidge (18) looked to have the Breakers on edge, but Gardner, Carey and Farrell removed the tail to hand the Breakers their 20th title in what was their 23rd straight finals appearance.
After winning the toss and electing to bowl at the start of the day, Queensland got off to the perfect start thanks to Sammy-Jo Johnson (1-42) who claimed the key wicket of Alyssa Healy (0) in the first over.
Rachael Haynes (79) went about building a total with Ellyse Perry (31), before combining with Carey (50) for a 103-run stand.
Queensland then staged a fightback, first removing Haynes, then Carey and Naomi Stalenberg (15) to have the game evenly poised, but late hitting from Gardner (30) helped boost the home side's total to 7-259.
Kimmince (2-52), Jonassen (2-43) and Birkett (2-19), all finished with multiple wickets for Queensland, while Holly Ferling (0-23) was also economical with the ball.
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