Our verdict

A low-cost credit card offering 0% interest on balance transfers for 24 months, with a 3% balance transfer fee.

The Bankwest Breeze Mastercard offers you a way to save on new and existing credit card costs, with 0% interest on balance transfers for 24 months and a low 12.99% p.a. interest rate on purchases.

If you plan to transfer a balance from another credit card, keep in mind that the Bankwest Breeze charges a balance transfer fee worth 3% of the debt you move to this card. As an example, this fee would be $150 for a $5,000 balance transfer. Be sure to factor this in when comparing cards. It also has a lower ongoing balance transfer interest rate than many other cards, currently 12.99% p.a. But it's still worth considering whether the introductory period will give you enough time to pay off your existing balance – as there are longer balance transfer offers on the market (if that's your main goal).

Pros

0% p.a. on balance transfers for 24 months
A low ongoing 12.99% p.a. purchase rate
Digital card issued upon approval

Cons

Charges a 3% balance transfer fee
Charges a 2.95% foreign transaction fee

The Bankwest Breeze Classic Mastercard is a simple, low rate credit card that currently offers new customers 0% p.a. interest for 24 months on balance transfers, with a 3% balance transfer fee.

At the end of the introductory period, any remaining balance transfer debt will attract the 12.99% p.a. balance transfer interest rate, which is low when compared to most other balance transfer cards on the market.

Details

Product details

Product Name	Bankwest Breeze Classic Mastercard
Balance transfer rate p.a.	0% for 24 months with 3% balance transfer fee, then 12.99%
Balance transfer limit	95% of available limit
Purchase rate p.a.	Purchase rate p.a. 12.99%
Interest-free period	Up to 55 days on purchases
Cash advance rate p.a.	21.99%
Min credit limit	$1,000
Card type	Mastercard

Eligibility

Available to temporary residents	No
Joint application	No

Rewards

Bonus points

N/A

Fees

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

How to apply

You can apply for the Bankwest Breeze Mastercard online in around 15 minutes. Before you get started, make sure you meet the eligibility requirements and have all your supporting documentation ready to go.

Eligibility criteria

New customers. The introductory balance transfer offer on this card is only available to new customers.
Residency. This card is available to permanent Australian residents or citizens.

Age. You must be at least 18 years of age.
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.

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.

Card benefits

0% balance transfer offer. This card offers 0% p.a. interest on balance transfers for the first 24 months, with a 3% balance transfer fee. After that, any remaining balance will attract the card's 12.99% p.a. balance transfer rate. While there is no specified date that this offer will end, it's only available for a limited time. Also be aware that you still need to meet the card's repayment requirements during the introductory period.
Digital card and early account access. 24 hours after you've been approved, you can log into the Bankwest app to activate and start using a digital version of your card before your physical card arrives in the mail.

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 wallets and contactless payments. This card can be linked to Apple Pay, Samsung Pay and Google Pay, Fitbit Pay and Garmin Pay available on compatible devices.

Rates & fees

Annual fee. This card charges a $49 annual fee.
Cash advance interest rate. This card has a 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 3% of the transaction amount or $4 (whichever is greater).
Purchase rate. This card has a purchase rate of 12.99% p.a.
Interest-free days. You can get 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.

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Amy Finder

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kay

October 24, 2024

my husband and I are pensioners are we able to apply for a credit card. We have a credit card at another bank the interest is to high.

Angus Kidman Finder

October 24, 2024

Hi Kay, The fact you already have a credit card makes it more likely you’ll be approved for another one to replace it. You can compare cards to find one with fees and features that suit you.

Amy

April 09, 2024

Hi, Would I be eligible with a new business (started in October) but don’t actually take a wage, just live off the income of the shop? Thanks.

Angus Kidman Finder

September 23, 2024

Hi Amy, You’d need to show evidence of income – in your case, that would be tax documents or other evidence of business profitability.

January 31, 2024

Hi, if I am discharged bankruptcy can I be approved for this card? If not, are there any that will?

Amy Bradney-George Finder

January 31, 2024

Hi LW,

There is no eligibility requirement that specifically refers to being discharged from bankruptcy but it is up to the lender to determine your eligibility. You can discuss your situation and eligibility directly with Bankwest by calling 13 17 19.

As credit card applications are recorded on your credit report, along with details of your previous bankruptcy, speaking to lenders directly before you apply can help limit the number of listings (which affect your credit score). I hope this helps.

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Allan

December 04, 2023

Hello Amy — I am a permanent resident but derive my income from a foreign pension. Would i be eligible to apply for this credit card ?

Amy Bradney-George Finder

December 04, 2023

Hi Allan,

You would typically need to provide your most recent pension statement showing current payments and any other supporting documentation to show the funds are available in an Australian transaction account and/or that you have funds available to manage the card. But as this is a very specific situation, you may want to discuss it with Bankwest before you apply – the contact number is 13 17 19. I hope this helps.

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November 22, 2023

Hi l am currently on unemployment ATM am going to be transferred to to disability pension soon my income is above $15,000 and will be increasing l wanted to inquire if l would be considered eligible for this card or any other credit card as l would like to apply for my first credit card l think it would help me amenencely l just want to get the one best suited aswell …tank you

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Amy Bradney-George Finder

December 07, 2023

Hi Tj,

For pension payments, Bankwest would require your most recent pension statement showing current payments. You would also need to meet the other eligibility requirements. Finder has guides on credit cards for people on Centrelink payments and credit cards for people who are retired or receive a pension, which both have details on different requirements and details to consider. Before you apply, you may want to contact the bank or brand directly to discuss your situation and eligibility. I hope this helps.

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Bankwest Breeze Classic Mastercard

Pros

Cons

How to apply

Eligibility criteria

Required documents

Card benefits

Rates & fees

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