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.
Bankwest Breeze Classic Mastercard
![Bankwest Breeze Classic Mastercard](https://www.finder.com.au/niche-builder/5e3776f769393.jpg)
- Balance transfer rate for 24 months with 3% balance transfer fee
- 0% p.a.
- Purchase rate
- 12.99% p.a.
- Annual fee
- $49 p.a.
- Interest-free on purchases
- Up to 55 days
Our verdict
A low-cost credit card offering 0% interest on balance transfers for 24 months, with a 3% balance transfer fee.
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
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 |
Your reviews
![Avatar](https://www.finder.com.au/finder-au/wp-uploads/2022/07/AmyBG_Supplied_1000x1000.jpg)
Amy Finder
Editor
You are about to post a question on finder.com.au:
- Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
- finder.com.au is a financial comparison and information service, not a bank or product provider
- We cannot provide you with personal advice or recommendations
- Your answer might already be waiting – check previous questions below to see if yours has already been asked
Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms Of Service and Finder Group Privacy & Cookies Policy.
This site is protected by reCAPTCHA and the Privacy Policy and Terms of Service apply.
![Avatar](https://www.finder.com.au/finder-au/wp-uploads/2022/07/AmyBG_Supplied_1000x1000.jpg)
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.
Show more Show less
![Avatar](https://www.finder.com.au/global/images/finder-default-gravatar-64.png)
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 ?
![Avatar](https://www.finder.com.au/finder-au/wp-uploads/2022/07/AmyBG_Supplied_1000x1000.jpg)
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.
Show more Show less
![Avatar](https://www.finder.com.au/global/images/finder-default-gravatar-64.png)
Tj
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
Show more Show less
![Avatar](https://www.finder.com.au/finder-au/wp-uploads/2022/07/AmyBG_Supplied_1000x1000.jpg)
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.
Show more Show less
![Avatar](https://www.finder.com.au/global/images/finder-default-gravatar-64.png)
Raymond
September 25, 2023
Hello Amy,
I wonder if the age pension is considered as constituting a valid source of income within the context of an application for this card.
[REDACTED]
Wondering if an application like this would be acceptable.
Thank you,
Raymond
![Avatar](https://www.finder.com.au/finder-au/wp-uploads/2022/07/AmyBG_Supplied_1000x1000.jpg)
Amy Bradney-George Finder
September 28, 2023
Hi Raymond,
Bankwest accepts credit card applications from people who receive the pension. For proof of income, you would need to provide your most recent pension statement with details of current payments. You would also need to meet the other eligibility requirements and provide all the requested information about your circumstances – we’ve included some details about it on this review. If you have more specific questions about applying for this card, you can also contact Bankwest on 13 17 19. I hope this helps.
Show more Show less
![Avatar](https://www.finder.com.au/global/images/finder-default-gravatar-64.png)
Anita
August 11, 2023
Currently gone from fulltime to casual work.
Will I be eligible for a credit card as bank up for travel?
What are my options ?
![Avatar](https://www.finder.com.au/finder-au/wp-uploads/2022/07/AmyBG_Supplied_1000x1000.jpg)
Amy Bradney-George Finder
August 14, 2023
Hi Anita,
You would need to show a regular income of over $15,000 per year to be eligible for this card, which could include payslips from casual work. But if your work situation has recently changed, you may want to call Bankwest on 13 17 19 to discuss your situation in regards to applying for this card. Finder also has a guide to low income credit cards, which has insights about credit card income requirements that may be of assistance. I hope that helps.
Show more Show less
LW
January 31, 2024
Hi, if I am discharged bankruptcy can I be approved for this card? If not, are there any that will?