In this guide

  • Our verdict
  • Details
    • Product details
    • Eligibility
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates & fees
  • Your reviews
  • Ask an expert
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Bankwest Breeze Classic Mastercard

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Bankwest Breeze Classic Mastercard
Terms and conditions apply
Balance transfer rate for 12 months with 2% balance transfer fee
0% p.a.
Purchase rate for the first 12 months (reverts to 12.99%)
0% 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 purchases and balance transfers for 12 months, with a 2% balance transfer fee.

The Bankwest Breeze Mastercard offers you a way to save on new and existing credit card costs, with 0% interest on purchases and balance transfers for 12 months.

Pros

  • 0% p.a. on purchases for 12 months, then 12.99% p.a.
  • 0% p.a. on balance transfers for 12 months
  • Digital card issued upon approval

Cons

  • Charges a 2% balance transfer fee
  • Charges a 2.95% foreign transaction fee

In this guide

  • Our verdict
  • Details
    • Product details
    • Eligibility
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates & fees
  • Your reviews
  • Ask an expert

The Bankwest Breeze Classic Mastercard is a simple, low rate credit card that currently offers new customers 0% p.a. interest for 12 months on purchases and balance transfers, with a 2% balance transfer fee.

Details

Product details

Product Name Bankwest Breeze Classic Mastercard
Balance transfer rate p.a. 0% for 12 months with 2% balance transfer fee, then 12.99%
Balance transfer limit 95% of available limit
Purchase rate p.a. 0% for 12 months, then 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
Minimum income $15,000
Joint application No

Rewards

Bonus points N/A

Fees

Annual fee $49
Minimum monthly repayment 2% of the closing balance or $20, whichever is greater
Late payment fee $25
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

  • Minimum income. You must earn at least $15,000 per year.
  • New customers. The introductory offers on this card are only available to new customers.

Card benefits

  • 0% balance transfer offer. This card offers 0% p.a. interest on balance transfers for the first 12 months, with a 2% 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.
  • 0% purchase rate offer. You'll pay 0% p.a. interest on new purchases for the first 12 months you have this card. After that, a purchase rate of 12.99% p.a. applies to your purchase balance. Note that you still need to meet repayment requirements during the interest-free period.

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.

Your reviews

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Amy Finder

Editor

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LW

January 31, 2024

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


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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 ?


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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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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


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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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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


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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.


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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 ?


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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.


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