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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.

If you plan to transfer a balance from another credit card, keep in mind that the Bankwest Breeze charges a balance transfer fee worth 2% of the debt you move to this card. As an example, this fee would be $100 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 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

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.

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. A low 12.99% p.a. interest rate also applies to purchases after the introductory period.

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
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

New customers. The introductory offers on this card are 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 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.

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. Outside of any promotions, 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

Editor

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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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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

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 ?

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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Bankwest Breeze Classic Mastercard

Pros

Cons

How to apply

Eligibility criteria

Required documents

Card benefits

Rates & fees

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