Bankwest Breeze Classic MasterCard – Exclusive 0% on Purchases Offer

Information verified correct on October 2nd, 2015

Exclusive to offer of interest free purchases for 13 months

If you apply for the Bankwest Breeze Classic MasterCard with this offer you won’t pay any interest on purchases you make with the card for the first 13 months the account is open.

This is an exclusive online offer to You won’t find this deal anywhere else — not even if you apply through a Bankwest branch .

This offer is exclusive to only

As you know, it’s part of our on-going mission to find you a better deal as we continuously seek to provide you with the best possible offers. Our exclusive offers are unique to the market and are only available if you apply online through

For more information about the application process and to see whether you’re eligible for this offer, see below.

Bankwest Breeze Classic exclusive offer review

As an exclusive offer to, Bankwest are offering new applicants (who apply through our website) a special purchase rate promotional offer. Pay no interest on any purchases for 13 months after you’re approved for the account.

Just pay the minimum repayment each month to avoid late payment fees, and you will only have to pay back what you spend on the card for 13 months — nothing more. At the end of the purchase rate promotional period, the ongoing purchase rate of interest is charged on any remaining balance. Bankwest offers one of the lowest MasterCard purchase rate of interest on their Breeze Classic MasterCard. The following review will highlight the features of the account and give information on how to apply if you want to take advantage of this exclusive offer.

Benefits of using the Bankwest Breeze Classic MasterCard exclusive offer

Interest-free purchases for 13 months

  • 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.
  • Exclusive to - To be eligible for the promotional purchase offer, you need to apply through our website. This is an exclusive offer to, you won’t find this offer on other websites or in a Bankwest branch.
  • Minimum repayment - Although there is no interest charged during the 13 month promotional period, you’re still required to make the minimum monthly repayment. You must pay back 2% of your balance each month to avoid late payment fees. The late payment fee is $25.

0% on purchases and up to 55 days interest-free

  • Another feature of the Bankwest Breeze Classic 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 a 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.

The promotional period begins at approval

  • The 13 month purchase rate promotional period begins when you’re approved for the account. It can take up to two weeks before you receive your card after you apply and you’re approved for the account.
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One of Australia’s lowest ongoing MasterCard purchase rate

  • 12.99% p.a. on purchases - Following the purchase rate promotional offer, you will pay 12.99% p.a. on purchases you make with the card.
  • Interest-free days - The ongoing purchase rate of interest will be charged when you use the card to buy an item if you’re carrying a balance from the previous month once the purchase rate promotion has expired.
  • A low annual fee - The Bankwest Breeze Classic 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.
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Bankwest Breeze Classic MasterCard Exclusive Offer features

  • Annual fee. Pay an annual fee of just $59 p.a. to take advantage of this exclusive purchase rate promotional offer.
  • Interest on purchases. Pay 0% p.a. interest on any purchases you make for the first 13 months you hold the Bankwest Breeze Classic MasterCard. This is an exclusive offer to
  • Low purchase rate. Benefit from one of Australia’s lowest ongoing MasterCard purchase rate of interest. Once the purchase rate promotion has expired, you will pay just 12.99% p.a. interest on any purchase you make with the Bankwest Breeze Classic MasterCard.
  • Interest-free days. Get up to 55 days interest-free when you pay your account in full each statement period.
  • 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 Classic 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 Classic 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 Classic MasterCard Exclusive Offer

The Bankwest Breeze Classic MasterCard purchase rate offer is exclusively available to the users of our website. You won’t find this deal if you apply directly with Bankwest, nor will you find this offer listed on other websites.

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 Classic 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 exclusive 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 exclusive offer will then automatically processed and honoured on your new account.’s exclusive Bankwest Breeze Classic MasterCard allows cardholders to reign in their debt and enjoy 0% p.a. interest rate for 13 months on all purchases. Customers can also make use of interest-free days, a low purchase rate, additional cards and MasterCard perks such as the convenience of PayPass. As this isn’t the only card of it’s kind of the market though, cardholders will need to compare their options to ensure that this is the right one for them.

Frequently asked questions

How can I transfer my balance on other cards to this Bankwest Breeze card?

This card does not allow balance transfer. Customers will have to start using the card with zero balance.

What are the charges for closure of the card?

Customers can cancel the card at a branch without incurring any cost. If it is closed through other ways like phone, it will incur a closure fee of $10.00.

Will I get similar interest-free period for cash advances?

Unfortunately there is no interest-free period for cash advances with this offer.

Is there a minimum income criterion on this card?

There is no minimum income requirement. However, Bankwest requires applicants to have ‘regular permanent income’. The credit limit for the card is between $1,000 and $25,000 where the final credit limit depends on the criteria met by the applicant.

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100 Responses to Bankwest Breeze Classic MasterCard – Exclusive 0% on Purchases Offer

  1. 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.



  2. 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.



  3. 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.



  4. 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.



  5. 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.



  6. 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.



  7. 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.



  8. 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.



  9. 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.



  10. 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.



Credit Cards Comparison

Rates last updated October 2nd, 2015
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Cash advance rate (p.a.)
NAB Low Rate Credit Card
Low ongoing interest rate on purchases and balance transfers.
0% p.a. for 12 months (reverts to 13.99% p.a.) 4.99% p.a. for 6 months $59 p.a. 21.74% p.a. Go to site More info
Westpac 55 Day Platinum Card - Exclusive Offer
Exclusive Offer to
No annual fee for the first year (and subsequent years) if you spend over $10,000 per annum. Platinum benefits including a platinum concierge service, overseas travel insurance, extended warranty cover and purchase security cover.
0% p.a. for 12 months (reverts to 19.84% p.a.) 3.99% p.a. for 6 months with 1% balance transfer fee $0 p.a. annual fee for the first year ($90 p.a. thereafter) 21.29% p.a. Go to site More info
HSBC Platinum Credit Card
Earn rewards points plus a balance transfer offer. Access to Platinum benefits 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
Citi Rewards Credit Card - Classic Card
Get the chance to earn 1.00 points for every dollar you spend on the first three months (up to 20,000 bonus points). Also enjoy a 0% p.a. on balance transfers for 12 months and up to 55 interest-free days on purchases.
20.99% p.a. 0% p.a. for 12 months $0 p.a. annual fee for the first year ($89 p.a. thereafter) 21.74% 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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