Bankwest Breeze Classic Mastercard

A low-cost credit card that also has a competitive introductory offer, with 0% interest on purchases and balance transfers for 15 months and a $0 first-year annual fee.

The Bankwest Breeze Classic Mastercard is a simple, low rate credit card that currently gives new customers a few ways to save, with 0% p.a. interest for 15 months on purchases and balance transfers – plus no balance transfer fee. It also has a $49 annual fee that's waived in the first year with this offer.

At the end of the promotional period, any remaining balance transfer debt will revert to the balance transfer interest rate of 9.9% p.a.

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Amy Bradney-George

Last Updated Jul 9, 2021

0% p.a.

Balance transfer rate

for 15 months

0% p.a.

Purchase rate

for the first 15 months (reverts to 9.9% p.a.)

$0 p.a.

Annual fee

for the first year ($49 p.a. thereafter)

55 days

Interest free period

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Details

Product Name	Bankwest Breeze Classic Mastercard
Balance transfer rate	0% p.a. for 15 months
Balance transfer revert rate	Balance Transfer Revert Rate (9.9%)
Balance transfer limit	95% of available limit
Purchase rate	0% p.a. for 15 months, reverts to 9.9% p.a.
Annual fee	$0 annual fee for the first year ($49 p.a. thereafter)
Interest-free period	Up to 55 days on purchases
Cash advance rate	21.99% p.a.
Min credit limit	$1,000
Card type	Mastercard
Foreign currency conversion fee	2.95%

Minimum income	$15,000
Available to temporary residents	Yes - Conditions apply
Joint application	No

Pros

0% p.a. on purchases for 15 months, then 9.9% p.a.
0% p.a. on balance transfers for 15 months, with no BT fee
$0 annual fee for the first year ($49 p.a. thereafter)
Digital card issued upon approval

Cons

Charges a 2.95% foreign transaction fee

Bonus points	N/A

Annual fee	$0 annual fee for the first year ($49 p.a. thereafter)
Minimum monthly repayment	2% of the closing balance or $20, whichever is greater
Late payment fee	$25
Foreign currency conversion fee	2.95%
Cash advance fee	2% or $4, whichever is greater
Overseas cash advance fee	2% or $4, whichever is greater
Overseas ATM withdrawal fee	$4
Additional cardholder fee	$0
Number of additional cardholders	3

Go to Bankwest's site More info

Review by

Amy Bradney-George

[email protected]

Amy Bradney-George has been writing about personal finance for more than 13 years – including over 600 articles as a senior writer for Finder. Her work has also appeared in publications including Money Magazine, The Sydney Morning Herald, Financy, ABC News Australia and Equity Magazine. Amy has a Bachelor of Arts in Journalism and Drama from Griffith University.

Expert review

The Bankwest Breeze Mastercard offers you a few ways to save on credit card costs, with 0% interest for the first 15 months on purchases and balance transfers, plus a $0 annual fee in the first year.

This card charges a lower balance transfer revert rate than many other cards, which is currently 9.9% p.a. While you shouldn’t necessarily be spending on a balance transfer credit card before the balance is paid off, Bankwest is one of a few providers that allows interest-free days on purchases while you carry a balance transfer debt.

How to apply

You can apply for the Bankwest Breeze Mastercard online and complete the application in around 15 minutes. Before you get started, make sure you meet the eligibility requirements and have all your supporting documentation on hand to speed up the process.

Eligibility criteria

Residency. This card is only available to permanent Australian residents or citizens.
New customers. Only new customers can take advantage of the introductory offers on this card.

Eligible balance transfer. Balances cannot be transferred from existing Bankwest-branded credit cards. You can transfer from $500 up to 95% of your credit limit.
Age. You must be at least 18 years of age.

Required documents

Personal information. This includes your full name, date of birth, residential address, email address and contact number.
Proof of identification. You'll be asked to provide copies of your passport, driver’s licence or Medicare card to verify your identity.
Employment details. This includes your role, the length of your employment and your employer's contact details.
Financial information. This includes details of your income, expenses and any existing debts or assets.

Go to Bankwest's site More info

Card benefits

0% balance transfer offer. This card offers 0% p.a. interest on balance transfers for the first 15 months (with no balance transfer fee). After that, any remaining balance will attract interest at the standard balance transfer rate of 9.9% p.a. While there is no specified date when this offer will end, it is only available for a limited time. Note that you will still need to meet the card's repayment requirements during the introductory period.
0% purchase rate offer. Save with a 0% interest rate on purchases for the first 15 months you have this card. After that, a standard purchase rate of 9.9% p.a. applies to your purchase balance. Note that you still need to meet repayment requirements during the interest-free period.

First-year annual fee waiver. Save with a $0 annual fee for the first year (reverting to $49 p.a. thereafter).
Free digital card. 24 hours after you've been approved, you can log into the Bankwest app to activate and start to use your card digitally before your physical card arrives in the mail. This means you can use your card to shop online or in-store with Google Pay.
Low minimum credit limit. If you're looking to keep your spending contained, the Breeze comes with a low minimum credit limit of $1,000.
Mobile wallet and contactless payments. This card can be linked to Apple Pay, Samsung Pay and Google Pay, available on compatible devices. You can also purchase a Bankwest Halo payment ring and use it to tap and go at any contactless payment terminal. Available in black or white, the ring costs $15, is secure, waterproof and doesn't require an app or charging.

Rates & fees

Annual fee. Outside of any promotions, this card charges a standard annual fee of $49.
Cash advance interest rate. This card charges a standard cash advance rate of 21.99% p.a. which is applied from the time the transaction is made.

Cash advance fee. If you use your card for a cash advance transaction (such as an ATM withdrawal), you'll be charged 2% of the transaction amount or $4 (whichever is greater).
Purchase rate. Outside of any promotions, this card has a purchase rate of 9.9% p.a.
Interest-free days. You can enjoy up to 55 days interest-free on purchases when you pay your balance in full by the due date (or if you have an easy instalment on which you are meeting the monthly amount).
Supplementary cards. You can request up to 3 additional cardholders for $0 each. Supplementary cardholder applications are subject to approval and the primary cardholder will still be responsible for keeping the account in good standing.

Go to Bankwest's site More info

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60 Comments

Jon
June 17, 2019

If I apply for a Bankwest Breeze MAstercard credit card, can I balance transfer debt from other credit cards that are in my partner’s name as well as my own?

Thanks!

finder Customer Care

Jeni
June 18, 2019

Hi Jon,

Thank you for getting in touch with Finder.

Yes, you can however you need to have your partner as your additional card holder to process balance transfer with the card under your partner’s name. Please make sure that the total balance transfer amount should not exceed your Breeze card’s 95% credit limit/available balance including the balance transfer fee/s.

I hope this helps.

Thank you and have a wonderful day!

Cheers,
Jeni

Annie
March 22, 2019

Hi, may I know what is the maximum limit for Balance transfer?

Ash
March 23, 2019

Hi Annie,

Thank you for contacting Finder.

The maximum balance transfer limit is 95% of the approved credit limit. For example, you have been approved for $5,000, you may use 95% of it which is $4,750 for Balance Transfer.

I hope this helps.

Please do not hesitate to reach out again to us if you have additional questions.

Cheers,
Ash

Jellina
March 22, 2019

Does Bankwest accept a balance transfer from St.George?

finder Customer Care

Jhez
March 22, 2019

Hello Jellina,

Thank you for your comment.

Yes, you can transfer your existing balance from St.George to Bankwest. According to Bankwest credit card terms and conditions, only Australian issued non-Bankwest credit/store cards can be balanced transferred.

Regards,
Jhezelyn

Sandy
March 20, 2019

Can I transfer from a personal loan to a Bankwest Breeze credit card with 26 months interest-free?

finder Customer Care

Joshua
March 20, 2019

Hi Sandy,

Thanks for getting in touch with Finder. I hope all is well with you. 😃

I’m afraid you can’t transfer a personal loan to a Bankwest Breeze Mastercard credit card. It only allows you to transfer a balance from another non-Bankwest credit card.

If you want to find credit cards that allow you to transfer your personal loan balance, please refer to our guide in transferring a loan to a credit card. On that page, you will see a table that allows you to conveniently compare cards that let you transfer a personal loan to a credit card. You can compare based on balance transfer rate, purchase rate, and fees, to name a few. Once you found the right one for you, click on the “Go to Site” green button to learn more or initiate your application.

Please make sure though to read the eligibility criteria, features, and details of the card, as well as the relevant PDS/ T&Cs of the card before making a decision and consider whether the product is right for you.

I hope this helps. Should you have further questions, please don’t hesitate to reach out again.

Have a wonderful day!

Cheers,
Joshua

Tyler
November 13, 2018

Why does it say 0% interest on purchases for the first 13 months, then only 55 days interest-free? Which one is it?

finder Customer Care

Jhez
November 14, 2018

Hello Tyler,

Thank you for your comment.

Please note that the Bankwest Breeze Mastercard offers new customers 0% p.a. interest on purchases for the first 13 months. The interest-free days do not only apply to purchases but also applies to the overall balance of the credit card. You must pay the closing balance, including any cash advances and balances, to qualify for interest-free days.

Find out how the 55 days interest-free works. Also, please check how the 0% interest-free on purchases works.

Should you wish to have real-time answers to your questions, try our chat box on the lower right corner of our page.

Regards,
Jhezelyn

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Bankwest Breeze Classic Mastercard