Bankwest Breeze MasterCard Credit Card – Rates & Fees

Rates and Fees verified correct on April 28th, 2015

The Bankwest Breeze MasterCard offers competitive interest rates with a low annual fee.

The Breeze MasterCard aims to help to you save your money on interest and leverage a competitive balance transfer rate. With a single Breeze MasterCard you would be eligible for 3 additional cardholders without incurring a fee.

The MasterCard comes with a Zero Liability policy, which is protection against unauthorised use of the card. Based on the eligibility you may upgrade to the Gold or Platinum card and take advantage of the varied benefits. Platinum card holders do not charge any fees on foreign transactions.

Product NameBankwest Breeze MasterCard
Balance Transfer Rate0% p.a. for 15 months
Balance Transfer Revert Rate
The interest rate after the balance transfer ends.
Purchase Rate (12.99% p.a.)
Interest Rate on Purchases12.99% p.a.
Annual Fee$59 p.a.
Interest-Free Period
on Purchases
The interest-free period on purchases is the period or number of days you don't have to pay interest on your card purchases. You will be charged interest either from the day you make a purchase or from the statement date, unless you pay the closing balance in full by the due date (or within the interest-free period) on your statement.
up to 55 days
Interest Rate on Cash Advances21.99% p.a.
Minimum Credit Limit
This is the lowest credit card limit that you can request. It is possible to apply for a higher credit card limit but not a lower one than this figure.
Maximum Credit Limit
This credit limit may not be issued to you immediately on application. This is the maximum credit limit for this card which must be applied for or offered to you after you are approved and have already opened the account.
Minimum Monthly Repayment2%
Card TypeMasterCard
Late Payment Fee$25
Foreign Currency Conversion Fee (MC)2.95% of transaction value
Complimentary Travel InsuranceNo
Available to Temporary ResidentsNo
Joint ApplicationNo
Minimum Age18 years of age
Available to Temporary ResidentsNo
Credit Rating RequirementGood
Min Credit Limit
This is the lowest credit card limit that you can request. It is possible to apply for a higher credit card limit but not a lower one than this figure.
Max Credit Limit
This credit limit may not be issued to you immediately on application. This is the maximum credit limit for this card which must be applied for or offered to you after you are approved and have already opened the account.
Annual Fee$59 p.a.
Minimum Repayment2%
Late Payment Fee$25
Over Limit Fee$30
Cash Advance FeeGreater of 2% or $4.00
Overseas Emergency Replacement$0
Overseas ATM Balance check$0
Overseas ATM Withdrawal Fee$4
Foreign Currency Conversion Fee (MC)2.95% of transaction value
Gambling Transactions AllowedNo
Additional Cardholder Fee$0
Number of Additional Cardholders3
Direct DebitYes
Australia PostYes
Phone BankingYes
Internet Banking TransfersYes
In BranchYes
  • This card offers 0% p.a. for 15 months for balance transfers. It then reverts to a low interest rate of 12.99% p.a..
  • The annual fee is $59 only.
  • This card allows up to 3 additional card holders at $0 extra charge.
  • There is no rewards program linked to this card, but Bankwest are not targeting the rewards segment of the market with this card.

Bankwest Breeze MasterCard Review

Bankwest Breeze MasterCard could be suitable for the savvy cardholder, with 0% p.a. for 15 months on balance transfers, the revert rate of the balance is the purchase interest rate. Receive up to 55 days interest free means you don’t pay interest on purchases if you pay the balance back in full every statement period.

Another feature of the Bankwest Breeze MasterCard is up to 55 days interest free on purchases. Interest free days become available on your account when you pay your balance in full each statement period.

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Bankwest Breeze MasterCard Offer features

  • Balance transfer revert rate - If you still have a balance left over from your balance transfer period, the balance will revert to the interest rate on purchases.
  • Up to 55 days interest-free - The up to 55 days interest free allows you to use the card for your regular expenses and you won’t be charged interest if you pay the balance in full every statement period. However, keep in mind that interest free days are generally void if you process a balance transfer.
  • A low annual fee - The Bankwest Breeze MasterCard has an annual fee of only $59 p.a. Although there are cards with no annual fee, this account’s purchase rate promotion is unique and can not be found with a no annual fee product.
  • International access - It is possible to shop in more than 28 million outlets in countries across the world. Through Breeze’s 24×7 banking services you can shop anywhere, anytime at the comfort of your desk. Foreign transaction fees are also waived for purchases on Platinum card.
  • Easy upgrade options - Depending on your income you can upgrade to Gold or Platinum card and take advantage of many more benefits.
  • Get a supplementary card for a family member - Up to 3 additional cards can be issued for an annual fee of $0 each.
  • Security - The unique security chip on Bankwest Cards provides you a safe transaction environment. You can be assured of not only safe transactions but also protection from unauthorised use of your credit card.
  • Overseas support - If you take this credit card overseas with you, and it’s lost or stolen, Bankwest will arrange for an emergency Breeze MasterCard to be sent to you. Emergency overseas card replacement is a complimentary benefit to account holders.
  • Paypass technology - This is a MasterCard credit card. The card is enabled with contactless technology. You can tap your Bankwest Breeze MasterCard against a contactless terminal for purchases under $100. There’s no need to enter you PIN to complete the transaction.


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How to apply for the Bankwest Breeze MasterCard Offer

If you want to take advantage of this deal, click ‘Go to site’ or ‘find out more’ and a new window will open with the secure Bankwest online application form. You will be able to confirm the terms of the offer before proceeding with the application.

But before you start the application, you can confirm your eligibility for the Bankwest Breeze MasterCard below:

Application requirements

To be eligible for this offer, make sure you can say yes to the following:

  • Be over the age of 18.
  • Be a permanent Australian resident.
  • Have a good credit rating.
  • Complete the application in full from

What do I need to apply?

Before you commence the application for this card, have the following information close by:

  • Two or more forms of identification – Accepted forms of identification include: Driver’s licence, Medicare Card, Passport or Australian Birth Certificate.
  • Details of your employment – This includes your employer’s contact details and contact information.
  • Details about your finances, including income and expenses.

The application should take about ten to fifteen minutes to complete. When you submit the online form, Bankwest should contact you within minutes to let you know whether you’ve been approved, declined or conditionally approved.

What happens next and the processing of your offer application

As long as you apply and complete the application in full from, you may then be asked to verify your ID and supporting documents to Bankwest, which can be done in-store by simply having the necessary documents sighted and verified and sent across by a branch representative. Given that you have met the requirements and have completed an application from start to finish on, from here your application will move forward and once your card has been sent out and approved – the offer will then automatically processed and honoured on your new account.

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This page was last modified on 28 April 2015 at 15:55.

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84 Responses to Bankwest Breeze MasterCard Credit Card – Rates & Fees

  1. Default Gravatar
    Davo | April 23, 2015

    How do we apply for a joint credit card on your website? There’s no option for second applicant

    • Staff
      Jonathan | April 24, 2015

      Hi Davo, thanks for your inquiry.

      Unfortunately Bankwest does not offer joint account credit cards. Please refer to the following link for a list of joint account credit cards.



  2. Default Gravatar
    Nathan | April 21, 2015

    Hey just wondering what cash advance mean?

    can i just take a certain amount out in cash and pay no interest on it if i pay back in the 13 months ?

    • Staff
      Jonathan | April 22, 2015

      Hi Nathan, thanks for your inquiry!

      Cash advance qualifies as cash withdrawals from ATM’s and transactions that are not purchases (bill payments etc). Unfortunately there is no interest free features available for withdrawing cash for credit cards. Balance transfers from a personal loan to a credit card are available on this page.



  3. Default Gravatar
    StuBon | April 15, 2015

    with the interest free periods both the 0% P.A. for X months and the 55 days free, it says “on purchases”. can someone please elaborate on that for me. is it only for retailers or are bills and loan repayments all included in this period?


    • Staff
      Elizabeth | April 15, 2015

      Hi StuBon,

      Thanks for your question.

      Generally, when you use your card for transactions online or in-store with retailers it is considered a purchase. Any transaction that is not a cash equivalent transaction (ie. a cash advance) will generally be considered a purchase. This includes BPAY payments for bills and anything else that is charged at the purchase rate of interest.

      I hope this has helped.



  4. Default Gravatar
    Antonios | April 9, 2015

    I applied online and I got declined?
    I have an outstanding credit rating. I am not sure what happened.

    If you can please look into that or get in contact with me.

    Thank you

    • Staff
      Jonathan | April 9, 2015

      Hi Antonios, thanks for your inquiry.

      Please note that is a comparison service and is not directly affiliated with Bankwest. For more information on declined applications please see this page. It would be best to contact Bankwest directly in regards to inquire specifically about your application and options.



  5. Default Gravatar
    Stephanie | April 5, 2015

    Is this offer likely to expire before mid to end of May?

    • Staff
      Jonathan | April 7, 2015

      Hi Stephanie, thanks for your inquiry!

      We do not currently have a set expiration date for this exclusive offer with Bankwest. Are there any specific inquiries about this card that I can help you with?



  6. Default Gravatar
    yt | April 4, 2015

    Are we able to apply for this offer if we already have a Bankwest credit card?

    • Staff
      Jonathan | April 7, 2015

      Hi Yt, thanks for your inquiry!

      Unfortunately this offer is only eligible for new applicants/ customers. Please refer to the following link for a list of 0% purchase credit cards.



  7. Default Gravatar
    Angel | April 1, 2015

    0% for 13 months on purchases – Apply and get approved for the Bankwest Breeze Classic MasterCard and you won’t pay any interest on purchases you make with the card for 13 months. Purchase an item, or items, with your card and pay back only what you spend for the first 13 months.

    Can someone please explain me this in a much simpler language. If I spend $1000 each month for first lets say 4 months and just pay minimum amount how much interest rate will I be paying??

    Sorry for a silly question.

    • Staff
      Jonathan | April 1, 2015

      Hi Angel, thanks for getting in touch with us!

      This promotional rate of 0% for 13 months on purchases means that you will pay no interest on purchases made for 13 months. If a $1000 was spent each month for 4 months there would be no interest payment applicable for another 9 months.



  8. Default Gravatar
    | March 30, 2015

    Can you inform me what the expiry date for this Bankwest credit card offer is?

    I note that no minimum income level is required, but proof of regular income.

    In addition to the proof of income, I note that proof of a GOOD CREDIT rating is required. Somewhat ironically I have an account at Bank West, for investment purposes, in addition to an account at Westpac, but I have no credit history, for the past 7 years, since returned to Australia, can you suggest what actions I can take in regards to the issue of proving a good credit history when I do not have a credit history at present? If I were to provide a copy of my credit details, from Veda, or similar organisation, when applying for the Bank West Breeze card do you think that would assist?

    Thank you


    • Staff
      Jonathan | March 30, 2015

      Hi Adam, thanks for your inquiry!

      In regards to this Bankwest Exclusive offer there is currently no announced offer end-date. With a new credit history due to being overseas, having an active account with Bankwest would be a positive contributor to the credit score/ consideration. It would be best to contact Bankwest directly either through their customer service centre or at a local branch to be able to present your credit details, in order to best advise on your options.

      I hope this helps.



  9. Default Gravatar
    Adam | March 28, 2015

    What is the minimum income required in order to qualify for this, or similar card.
    I am in receipt of the aged pension, in addition to which I receive a small private income from dividends.
    I am seeking a credit card which offers a credit limit of up to a maximum of no greater than $2500.00

    Any assistance appreciated


    • Staff
      Jonathan | March 30, 2015

      Hi Adam, thanks for getting in touch with us.

      There is no minimum income requirement for this card, rather Bankwest requires that you have a ‘regular permanent income’. The credit limit for this card is between $1,000 and $25,000, with the approved credit limit subject to the bank’s lending criteria. Please see the following page for a list of 0% Purchase Cards.



  10. Default Gravatar
    Carla | March 12, 2015

    Hi, just wondering if there is an application fee? I know there is an annual fee of $59, but is there an application fee?

    Thank you, Carla.

    • Staff
      Jonathan | March 12, 2015

      Hi Carla, thanks for your inquiry!

      There is no application fee applicable for this card.



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Citibank Rewards Credit Card - Platinum Card
Citibank Rewards Credit Card - Platinum Card
Consolidate your debt with a low balance transfer and a long purchase rate offer plus a host of platinum privileges. Earn up to 1.250 Citibank Reward points for every $1 spend. 20.99% p.a. 0% p.a. for 24 months $199 p.a. 21.74% p.a. Go to site More info
St.George Vertigo Platinum
St.George Vertigo Platinum
A platinum card with a low interest rate on balance transfers and purchases with a low annual fee. 0% p.a. for 3 months (reverts to 12.74% p.a.) 0% p.a. for 20 months $99 p.a. 21.49% p.a. Go to site More info
Virgin No Annual Fee Credit Card
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Take advantage of the 0% p.a. for 14 months balance transfer offer 18.99% p.a. 0% p.a. for 14 months $0 p.a. 20.99% p.a. Go to site More info
HSBC Platinum Credit Card
HSBC Platinum Credit Card
Earn rewards points plus a balance transfer offer. Access to prestige services including a personal concierge service and VISA Platinum reward program. 19.99% p.a. 0% p.a. for 8 months $0 p.a. 21.99% p.a. Go to site More info

* The credit card offers compared on this page are chosen from a range of credit cards has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing cards.

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