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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.

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 days	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% of transaction value or $4, whichever is greater
Overseas cash advance fee	3% of transaction value 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.

Sources

Finder writers are subject matter experts and use primary sources, in-depth research and interviews with other experts to ensure you're getting accurate, up-to-date information. Articles are fact checked in line with our editorial guidelines.
1. Bankwest Breeze Classic Mastercard information PDF
2. Bankwest Breeze Classic Mastercard TMD

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Roslyn

August 12, 2025

Hi I was told to try for the Bankwest Breeze Classic Mastercard. I am currently unemployed on centrelink payment. I have a very good credit score and already have a credit card and have no trouble paying but I would like to transfer it over. Would I be considered for the Bankwest Breeze Classic Mastercard or not. Thank you

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Richard Whitten Finder

August 18, 2025

Hi Rosyln unfortunately we can’t really help you here. Finder can help you compare options and provide information, but any decisions about eligibility are up to the card provider. And often they won’t give you a very definite answer until you actually submit an application.

Sue Wiseman

June 12, 2025

Hi is there a credit card for people with a fair credit score and on centrelink job seeker payment and with an annual income of 18,000 or less

Richard Whitten Finder

June 16, 2025

Hi Sue,

You’ll find it very hard to get approved for a credit card in that situation, especially with a fair credit score. While not every credit card specifies a minimum income, most card’s in Finder’s database that list a minimum income have one of around $35,000.

You might be better off using a debit card and working on improving your credit score first.

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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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Amy is an experienced journalist with over 16 years of experience, contributing to major publications like Money Magazine, The Sydney Morning Herald, and ABC News Australia. Specialising in personal finance, she frequently appeared in media outlets and on radio. Amy holds a Bachelor of Arts in Journalism and Drama from Griffith University and earned RG146 certifications in Tier 1 Generic Knowledge and Tier 2 General Advice Deposit Products, ensuring her expertise is grounded in current financial regulations. Amy was Finder's Senior Writer for Credit Cards from 2016 to 2024. See full profile

Bankwest Breeze Classic Mastercard

Pros

Cons

How to apply

Eligibility criteria

Required documents

Card benefits

Rates & fees

Sources

Sources

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