Bankwest Breeze MasterCard

Information verified correct on September 30th, 2016
Bankwest Breeze MasterCard Find out more Go to site

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  • Clicking Go to site will take you to your Online Application on the bank's website. You do not need to be an existing customer of this bank to apply.
  • Your application will typically take you no more than 10-15 minutes to complete
  • Once approved, you will typically receive your credit card within 1-2 weeks
Click here to start your application >>

Enjoy a low ongoing purchase rate of 8.99% p.a., no foreign transaction fees for online and overseas purchases and $0 annual fee in the first year. *Limited time only, fees and T&Cs apply.

The Bankwest Breeze MasterCard combines the benefits of a low rate purchase card with an introductory balance transfer rate and an annual fee waiver in the first year. Manage your repayments with up to 55 days interest-free on purchases and a low purchase rate of 8.99% p.a. If you’d like to repay an existing debt, you can take advantage of the 2.99% p.a. for 9 months on balance transfers.

Product NameBankwest Breeze MasterCard
Balance transfer rate (p.a.)2.99% p.a. for 9 months
Balance Transfer Revert Rate
The interest rate after the balance transfer ends.
Purchase Rate (8.99% p.a.)
Balance Transfer Limit95% of available credit limit
Purchase rate (p.a.)8.99% p.a.
Annual fee$0 p.a. annual fee for the first year ($89 p.a. thereafter)
Interest Free Period
The interest-free period on purchases is the period or number of days you do not 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 on purchases
Cash advance rate (p.a.)21.99% p.a.
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.
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 Requirement
Credit rating requirement is provided only as a guide. Understanding your credit file helps you make more informed decisions in regards to your finances. Learn more about what this means here.
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.
Annual Fee$0 p.a. annual fee for the first year ($89 p.a. thereafter)
Minimum Repayment2%
Late Payment Fee$25
Over Limit Fee$30
Cash Advance FeeGreater of 2% or $4.00
Overseas Cash Advance FeeGreater of 2% or $4.00
Overseas Emergency Replacement$0
Overseas ATM Balance check$0
Overseas ATM Withdrawal Fee$0
Foreign Currency Conversion Fee (MC)2.95% of transaction value
Gambling Transactions AllowedNo
Additional Cardholder Fee$0 p.a.
Number of Additional Cardholders3
Direct DebitYes
Australia PostYes
Phone BankingYes
Internet Banking TransfersYes
In BranchYes


  • Enjoy an annual fee waiver in the first year ($89 p.a. thereafter).
  • This card offers a low ongoing rate of 8.99% p.a. on purchases.
  • Enjoy an introductory balance transfer offer of 2.99% p.a. for 9 months.
  • You're allowed up to 3 additional cardholders at $0 extra charge.


  • There is no rewards program linked to this card.

Bankwest Breeze MasterCard review

Bankwest Breeze MasterCard offers savvy cardholders essential card features to manage expenses and repayments. This card offer has a low purchase rate of 8.99% p.a. and provides up to 55 days interest-free on purchases when you repay your balance back in full every statement period.

Benefits of the Bankwest Breeze MasterCard offer

  • No annual fee. Approved Bankwest cardholders will receive an annual fee waiver for the first year, reverting to $89 p.a. thereafter.
  • Low ongoing purchase rate of 8.99% p.a. Following the 9-month balance transfer introductory rate, you will pay 8.99% p.a. on purchases you make with the card.
  • Introductory balance transfer offer. Apply and get approved for the Bankwest Breeze MasterCard and take advantage of 2.99% p.a. balance transfer rate for 9 months. Following the introductory period, you will pay a variable rate of 8.99% p.a. on purchases you make with the card.
  • Up to 55 days interest-free. 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. This account also has an interest-free purchase rate promotion, so there’s no interest charged on the purchases you make with the account for the first 13 months anyway. Once the purchase rate promotion expires, you will get interest-free days on purchases when you pay back what you spend when your statement is issued.

Bankwest Breeze MasterCard features

  • Additional cards. Get a supplementary card for a family member. Up to 3 additional cards can be issued for an annual fee of $0 each.
  • Emergency replacement card. 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.
  • MasterCard perks. This is a MasterCard credit card, meaning it 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.

How to apply for the Bankwest Breeze MasterCard

If you have compared your options and decided to apply, simply click through the “Go to Site” button and secure an online application form. But before you start the application, you can confirm your eligibility for the Bankwest Breeze MasterCard below:

Eligibility criteria

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

Required documents

  • 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.

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102 Responses to Bankwest Breeze MasterCard

  1. Default Gravatar
    Steve | October 25, 2015

    Hi , are there restrictions on how much or quickly you pay off purchases or are you only able to make minimum repayments ? Thanks

    • Staff
      Jonathan | October 26, 2015

      Hi Steve, thanks for your inquiry!

      There are no restrictions to how quickly you can make repayments.



  2. Default Gravatar
    Jess | September 3, 2015

    I signed up to this via your website but have been charged interest in purchases despite paying minimum repayment on time. Also the statement from bankwest says promotional rate is 0% for balance transfers for 14 months from first statement and now 13 months second statement. Your offer says purchases. Do I contact bank to fix this?

    • Staff
      Sally | September 8, 2015

      Hi Jess,

      Thanks for your inquiry.

      Please note that the offer 0% p.a. on purchases for 13 months is an exclusive offer to, and does not come with a balance transfer offer.

      However, it would be best to contact Bankwest directly to allow you to inquire specifically about this account issue.

      You may refer to the link I have sent to your email for the contact details.

      I hope this has helped.



  3. Default Gravatar
    Tim | June 17, 2015

    I am not sure if I 100% understand an earlier question on balance transfers. Can clarify that if for example in the first month of having the card I did a balance transfer from an existing card of say $5000 and then I also purchased another $5000 of items using the new card that the entire $10k would not attract interest for the first 13 months?

    • Staff
      Jonathan | June 17, 2015

      Hi Tim, thanks for your inquiry!

      Please note that this credit card does not come with a balance transfer offer. As such only your purchases would be covered under the offer of 0% interest free for 13 months.



  4. Default Gravatar
    Kerrie | June 14, 2015

    Hi, I am thinking of taking up this offer to purchase a saddle. Once it is paid for, can I then cancel the card as I will no longer require it? Is there a cancellation fee?

    • Staff | June 15, 2015

      Hi Kerrie,

      Thanks for your question.

      As explained in the Bankwest fees guide, if you close your account at a branch there is no fee. If you close it any other way (e.g. over the phone), you will incur a closure fee of $10.00.

      I hope this has answered your question.



  5. Default Gravatar
    andrew | June 4, 2015

    Yeah all that’s good … but where and how do I find the application form on You say I have to apply on finder yet you say to go to bank west’s website? When I go to the banks’s website I then somehow find the finder form to fill out? JUST MAKE IT NICE AND PLAIN AND SIMPLE. NICE BIG TAG : CLICK HERE TO APPLY ON FINDER FOR BANKWEST. GOOD IDEA?

    • Staff | June 5, 2015

      Hi Andrew,

      Thank you for your question.

      As is an online comparison service, not a provider, you can’t actually apply for Bankwest Breeze Classic MasterCard on our site.

      However, as you mentioned, if you click through to the large green ‘Go to Site’ button on the right-hand side of our Bankwest Breeze Classic MasterCard page here, you will be transferred through to the Bankwest Breeze Classic MasterCard exclusive offer application page.

      I hope this has answered your question.



  6. Default Gravatar
    Peter | May 16, 2015

    Just clarifying that this special offer has up to 13 months interest free on purchases and also 15 months interest free on balance transfers?


    • Staff
      Jonathan | May 18, 2015

      Hi Peter, thanks for your inquiry!

      The Bankwest Breeze MasterCard only provides the 15 months interest free on balance transfers, with a standard purchase rate of 12.99% p.a. currently. You may like to refer to the following link for 0% Purchase credit cards with balance transfer offers available for comparison in the table.



    • Default Gravatar
      | May 21, 2015

      It seems that the bankwest breeze MasterCard credit cards are listed in this link, hence my confusion if this card offers the 13months 0% purchase rate listed in that link & the 15months bt rate.. mistake?

    • Staff
      Jonathan | May 25, 2015

      Hi Peter, thanks for your response.

      This exclusive offer with Bankwest only offers 0% purchases for 13 months without a balance transfer offer. Please refer to the provider page for a full list of Bankwest credit cards, including our exclusive offers. You may also like to refer to this link for balance transfer cards with 0% purchase offers.



  7. Default Gravatar
    Keith | May 16, 2015

    I have a Bank of Melbourne credit card looking to do balance transfer to Bank West. Can this be done?

    • Staff
      Jonathan | May 16, 2015

      Hi Keith, thanks for your inquiry!

      Balance transfers from the Bank of Melbourne to Bankwest are accepted as the two banks operate independently. Please note that Bankwest allows 95% of the available credit limit for balance transfers, as long as you meet the application/ lending requirements of Bankwest you will be eligible to apply.



  8. Default Gravatar
    Robert | April 26, 2015

    We are looking for the best card to use for air line tickets to fly on a lot of airlines. We are looking for a card that offers interest free for months min and will earn us points for air miles on future fares in either a lot and/ or Star alliance

    • Staff
      Jonathan | April 29, 2015

      Hi Robert, thanks for your inquiry!

      You may like to refer to the following link for a list of frequent flyer cards and offers.



  9. 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.



  10. 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.



Credit Cards Comparison

Rates last updated September 30th, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Enjoy a 0% p.a. balance transfer offer for 18 months and also earn 2 bonus Velocity Points in the first 3 months on everyday spend.
20.74% p.a. 0% p.a. for 18 months $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
ME Bank frank Credit Card
Enjoy a low and consistent interest rate on purchases and cash advances, combined with no annual fee.
11.99% p.a. $0 p.a. Go to site More info
St.George Vertigo Visa
Introductory offer of 0% p.a. for 18 months on balance transfers and 1% p.a. for 12 months on purchases, plus a low annual fee.
1% p.a. for 12 months (reverts to 13.24% p.a.) 0% p.a. for 18 months $55 p.a. Go to site More info
HSBC Platinum Credit Card
Receive a full annual fee refund and save $149 if you meet the $6,000 spend requirement. Enjoy a balance transfer offer and platinum card benefits such as complimentary insurances and concierge services.
19.99% p.a. 0% p.a. for 15 months $149 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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