- Limited-time offer: 0% p.a. on purchases and balance transfers for 12 months with 2% balance transfer fee (reverts to 12.99% p.a.).
- Money features: use Bankwest’s Easy Instalments plan to pay off purchases interest-free, plus add up to 3 free additional cardholders
- Extras: Up to 55 days interest free on purchases
- Digital tools: syncs with Apple Pay, Samsung Pay, and Google Pay, and has a chat-enabled app and online banking system
Hi, I’m a personal finance expert who loves to help you out! I’ll answer your question within a business day. Pinky swear.
Bankwest Credit Cards
Bankwest Breeze Mastercard
Updated 20 November 2023
Easy and breezy, just like its name, the Bankwest Breeze keeps things simple and still has some guts, especially if you want ways to pay off debt and avoid interest 💪. You’ll pay 0% p.a. for 12 months on new purchases and balance transfers, and a low annual fee of $49 p.a..
The Breeze has some potent tools if you’re looking for more than one way to save money and pay off money, or just have a low-cost credit card with a very low 12.99% p.a. interest rate.
New Bankwest Breeze customers only. Other fees, T&Cs apply.
Purchase Rate (p.a)
0% p.a.
for 12 months. Reverts to 12.99% p.a.
Balance Transfer (p.a)
0% for 12 months 2% balance transfer fee applies.
Reverts to 12.99% p.a.
Annual Fee (p.a)
$49
Pros and cons
- No complimentary insurances
- No other perks, discounts or rewards
Creditcard.com.au review
Editor Review
Bankwest Breeze Mastercard
Pauline Hatch
Pauline is a personal finance expert at CreditCard.com.au, with 8 years in money, budgeting and property reporting under her belt. Ask Pauline a Question about this card.
Who suits the Bankwest Breeze Mastercard?
 Carefree Splurger: budgets are a bummer, and you may need help getting on top of debt. Low interest rates and low fees would be great. |  Rainy Day Prepper: you want something low-cost to keep in your pocket. Even better if it has interest-free perks for when you do need it. |  First Timer: you’re looking for a fairly simple card with a few perks to get you started. You’d like a low annual fee and a low interest rate. |
“Debt? That’ll be a Breeze to pay off!”
That's what the slogan for Bankwest’s Breeze card could have been but alas, it was a missed opportunity - tsk tsk, marketing team! Although in fairness, I'm glad Bankwest focuses its effort on credit cards and not slogans, because it comes up with ideas like the Bankwest Breeze Mastercard. This tough little debt-cracker can be a very effective card for keeping costs low and cashflow under control (if you use the card with some savvy).
I’ll go through how the 0% p.a. offers work and Bankwest’s very cool interest-free Easy Instalments plans.
Editor's Review: What I love about the Bankwest Breeze Mastercard classic
The Breeze Mastercard has a big offer attached to its card right now: a 0% p.a. package on new purchases and balance transfers for 12 months. You’ll need to be a new Bankwest Breeze customer to get the offer (but you can have had a different Bankwest credit card before).
Here’s how the Breeze’s offers work:
0% offer on new purchases: Starting from the day your card is activated, you’ll pay no interest on any purchases you make using your card for 12 months. That gives you time to pay off big buys (like the robot vacuum that’s currently doing my housework - worth every penny) without worrying about interest. Just make sure you have a plan to pay off your purchases before the 12 months is up, or you’ll start paying interest again.
0% offer on balance transfers: Bankwest lets you transfer up to 95% of your card’s limit from other non-Bankwest credit cards and store cards. Then, you’ll have 12 months to pay off the transferred amount without paying interest. A 2% balance transfer fee applies. Once the promotional period is up, you’ll start paying the revert rate of 12.99% p.a. on the remainder - which is actually a nice deal considering the average revert rate for credit cards is 21% to 24% p.a..
Can you use both interest-free promotions at the same time? Yes, you can. Normally a balance transfer voids any interest-free periods on new purchases, but this special offer lets you use both simultaneously.
Annual fee discount: A low annual fee of $49 p.a..
If you’re looking for a low-cost rainy-day card or only have a small amount you want to pay off with a balance transfer, the Breeze may work well with its $1000 minimum credit limit.
Other perks and nice touches
Since the Breeze Mastercard focuses on paying down balances interest-free, it’s a nice touch that you can also use its Easy Instalment plans to divvy up your purchases and pay them off with zero interest in a Buy-now-pay-later style service. Here’s how it works:
- Use the app or online banking to choose a purchase in the last 30 days between $100 and $1000 (you can have up to 5 plans at once)
- Follow the prompts to set up the plan, which will divide the purchase into four payments over four months
- Each month you’ll be reminded to make your instalment payment
- To keep your 55 days interest-free, pay the minimum monthly repayments for your instalment plan and any other balances not part of your 0% p.a. purchases and balance transfer offer
The instalment plan gives the Bankwest Breeze card longevity after the 12-month interest-free promotional period is over, because you’ll still be able to access interest-free repayments on big or unexpected purchases. Just note that you can’t do Easy Instalments on ineligible items like cash advances, balance transfers, gambling transactions and purchases on a promotional offer.
What's not so great...
While the ongoing interest rate and even the balance transfer revert rate is only 12.99% p.a., the cash advance rate is much more ‘normal’ for credit cards. You’ll pay 21.99% on the amount you withdraw plus a fee of 3% or $4, whichever is greater. That’s not unexpected for a credit card, and hopefully, if you’re looking to pay off debts and balances then you’re not using the card to withdraw cash anyway.
The other thing to point out is that this card doesn’t come with loads of extras. It’s not a rewards card and doesn’t pretend to be; instead, it’s low-cost and helps with paying off debt at your own pace. All that means is that it may not suit you if you’re looking for a card with free insurances, discounts or frequent flyer points.
Overall Rating
The Bankwest Breeze Mastercard classic offers one of my favourite tools, which is an effective way to pay off debt or manage a big purchase you might have to make without getting caught up in the interest snowball. And it’s not just for emergencies; interest-free periods can help with cashflow for travel and accommodation costs, expensive school uniforms, a new bike for riding to work and so on. The clear caveat being that you wisely budget so it’s paid off before the promotional period ends.
If you’re after a card that doesn’t cost much to keep, has very low interest rates and has good ways to get on top of debt, the Bankwest Breeze is a nice one in the credit card lineup. My two cents: just remember the 0% p.a. offer on purchases and balance transfers is a limited-time promotion.
User reviews
Rates and fees
Interest rates
Purchase rate 12.99% p.a.
Introductory purchase rate 0% p.a. for 12 months
Cash advance rate 21.99% p.a.
Interest free period on purchases up to 55 days
Balance transfer
Balance transfer rate 0% p.a. for 12 months
Balance transfer revert rate 12.99% p.a.
Balance transfer from personal loan No
Balance transfer fee 2% one off
Balance transfer limit 95% of approved credit limit
Brands you can't balance transfer from Bankwest
Credit limits
Minimum credit limit $1,000
Maximum credit limit N/A
Fees & repayments
Annual fee $49 p.a.
Additional cardholder fee Up to 3 at no extra cost
Foreign transaction fee 2.95%
Minimum repayment 2% or $20 (whichever is greater)
Cash advance fee 3% or $4 (whichever is greater)
Late payment fee $25
Additional features
Complimentary insurance
International Travel Insurance No
Flight Inconvenience Insurance No
Transit Accident Insurance No
Smartphone Screen Insurance No
Purchase Protection Insurance Yes
Extended Warranty Insurance Yes
Rental Vehicle Excess In Australia Insurance No
Extras
Price Guarantee Scheme
Overview
Bankwest Breeze Mastercard
Key features
- 0% p.a. on purchases and balance transfers for 12 months with 2% balance transfer fee (reverts to 12.99% p.a.).
- Up to 55 days interest free on purchases
- Add up to 3 additional card holders at no extra cost
- Pay with your compatible device using Apple Pay, Samsung Pay, & Google Pay&trade
Minimum criteria to apply for this card
-
Be over 18 years old
-
Good Credit and have not applied for multiple credit cards recently
-
Australian permanent residents
You have your personal details ready to complete the online application
Pauline is a personal finance expert at CreditCard.com.au, with 8 years in money, budgeting and property reporting under her belt. Pauline is passionate about seeing Aussies win by making their money – and their credit cards – work smarter, harder and bigger
Recently Asked Questions
Something you need to know about this card? Ask our credit card expert a question.
Ask a question220 questions (showing the latest 10 Q&As)
I would like to transfer my current credit card balance of $3600 but also apply for a higher amount to be able to pay a few bills in one.
Hi Lisa, As part of your application you can request your chosen credit limit. This will be assessed by the Bankwest team, but at the end of the day the credit limit is up to the assessment of your risk profile.
Where do l apply for bankwest breeze credit card with zero balance transfer
Hi Edward, we’re currently not partnered with Bankwest but you can visit their official website to start an your application.
0% p.a. on purchases and balance transfers for 15 months with 2% balance transfer fee (reverts to 12.99% p.a.). what does this mean, i don't need to pay any interest upto 15 month? and again it says : Extras: Up to 55 days interest free on purchases so bit confuse. can you please help me in/ thanks
Hi Krishna, I understand where the confusion is coming from. I always get this same question. The zero interest on purchases for 15 months is a promo offered for a limited time. With this offer, any purchases you make during that time (from card approval) won't have any interest added to them. You just need to make sure you pay at least the minimum amount on or before the due date each month. The up to 55 days interest free on purchases, on the other hand, kicks in only after the zero interest in purchases promo period is over. And to enjoy the interest free period, you need to pay the monthly payment balance in full each month. You can read the article we’ve written on how interest free days work for more information. Hope this helps!
Hi Pauline, Just curious, would partial payment on a car (with the remainder either on finance/deposit) be considered eligible for the 15 month interest free period? Thanks!
Hi Liam, that's a great question. Technically yes, it should (although I'd strongly suggest asking Bankwest directly first to be sure!). But, just remember that even though you may not pay interest, you will pay the Mastercard fee which is between 1% and 1.5%. And you'd want to make sure you can pay it off before the 15 months is up, because the interest on a credit card is likely higher than a personal loan. Thanks Liam!
Hi Pauline. I am looking for the best Credit card offer for a Balance Transfer for a NAB cc balance of $5500. I am looking for the longer period 0% interest. Best rate on Purchases. Annual fee also. I would like to pay off my debt and have it for emergencies, Any recommendations please. Thanks,
Hi Rain, the first place to start would be to check a range of balance transfer credit cards. You can compare them side by side to select the one that suits you best. You’ll be able to see and sort by the maximum length of the balance transfer period. To do this, click the Save card option for each of the cards you like and click the heart icon at the top right part of the page. They’ll be saved to your shortlist so you can compare them at your leisure. When you’ve decided on a card that fits your needs, you can press the green go to site button to be securely taken to the providers web site.
If "Minimum income of $15,000 p.a.", can this income be derived from $1.5 million dollars in Super, drawing a Pension each month, $7000 per month? And not from filling shelves at Woolies as an income?
Hi Phil! How the credit provider determines the minimum income varies. Bankwest says you can supply “the most recent SMSF member benefit statement and a letter from your financial planner or accountant. The letter needs to confirm you’re receiving payments from the fund and show your balance, minimum payment amount, tax and tax free components, and ‘pension’ status” to show your proof of income. You can see the details under the FAQs on Bankwest’s site here. Thanks Phil!
How come its says 15 months interest free then reverts to 12.99% But then in the pros and cons section it says 'up to 55 days interest free' then reverts to 12.99% Is it 15 months or 55 days?
Hi Jorge, I understand where the confusion is coming from. The purchase rate promotion of 0 interest for 15 months is different from the 55 interest free days. The purchase rate promotion of zero interest on purchases means that if you make a purchase using the Bankwest Breeze credit card, you won't be charged any interest on that purchase for a period of 15 months. Essentially, you have a 15 month window during which you can pay off your purchase without incurring any additional interest charges. You just need to make sure that you pay at least the minimum amount on or before the due date indicated on your statement each month. The 55 interest free days on the other hand kicks in as soon as the zero interest on purchases promotion period ends, is the grace period during which you can make purchases using your credit card without paying any interest. If you pay off your balance in full within those 55 days, you won't be charged any interest. However, if you carry over a balance beyond the interest free period, you will start accruing interest on the outstanding amount. Hope this makes sense!
Hi, if I were to apply for a credit card through you, would you need to put a mark on my credit file before pre approval? I'm asking this because stupid Vodafone did a credit check for sim only plan, when it was meant to be with a phone! The woman on the phone (Indian) screwed up. So when I went to Optus they rejected me, because they saw that vodaphone had done a credit check, which looked like I was refused a phone!
Hi Paul, that’s a frustrating situation! We’re not Bankwest so we won’t be involved in your application, but normally the credit check is performed soon after you apply. It’s usually a ‘hard’ credit check, which is one that is recorded on your credit history. You can check your credit score number and call Bankwest to see if they can give you some insight on your chances of approval before you apply (600+ is generally considered a ‘good’ credit score by credit bureaus like Equifax). Phone plans and credit are two different products, so one may not impact the other, but it’s difficult to know for sure.
I am interested in applying for this card to use for a purchase. I won't actually making the purchase for about two weeks. Am I able to set a date on the application for when I would like the 'account' to be activated? This would just mean that I am getting the full use of the 0% interest offer. Also, is there a lower/upper limit available?
Hi Veronica, unfortunately you cannot set as to when your account will be activated. As soon as your credit card application is approved, that means account is also activated. For the limit, Bankwest may approve you for at least $1000 but don’t list their maximum sadly. Hope this has helped!
Hi I received an email the other day 2 of them saying I’ve been approved for Bank West Credit Card and have to pick one so I have what happens now
Hi Mario, congratulations on your credit card approval! You’re actually on Creditcard.com.au, Australia’s leading credit card comparison site. But if you’ve already picked a card, you just need to wait for your physical credit card to arrive which usually takes 7-10 business days. You can also give Bankwest a call at 13 17 19 to check with them.
Hi I have $800 or more on my previous credit card . Can I still get bankwest breeze. I needed it for cash purchase not cash withdrawl or overseas transactions
Hi Toral, if you’re confident you’ve met the eligibility requirements and your credit score is good, you can proceed with your application.
0% p.a. on purchases and balance transfers for 15 months. No balance transfer fee applies. Reverts to 9.90% p.a. DOES THIS MEAN FOR PURCHASE USING CREDIT CARD IS INTEREST FREE FOR 15 MONTH? WHAT ABOUT PAYING YOUR MORTGAGE USING THE CREDIT CARD DOES IT HAVE ANY INTEREST FOR THE FIRST 15 MONTH?
Hi Fish, unfortunately, using a credit card to pay a mortgage is generally not considered an eligible purchase. It’s best to check with the mortgage company if they accept credit card payments. And since Bankwest (and other credit card issuers) don’t list what transactions are considered eligible, I reached out to Bankwest on your behalf and accordingly, it’ll be considered as a cash advance payment will either be via internal transfer or BPAY. Cash advance interest and purchase interest are different. The cash advance fee would be 2% or $4, whichever is greater, and the rate is 21.99% p.a. This interest will accrue every day until the credit card statement is paid in full.
Hi Pauline I just recently accidentally applied for the wrong credit card, I cancelled the card and account after being approved and now are wanting to apply for the bankwest breeze card. Would it be ok for me to apply? Or are my chances hampered now because ive cancelled the other credit card. Should I wait? If so how long should I wait before applying for another credit card. Thanks for your help!
Hi Perry! It depends on your credit score and how much other credit you’ve applied for in recent months. Check your credit score and see where it’s sitting since you’ve cancelled the card. It also doesn’t hurt to call Bankwest directly and explain the situation to them before you apply, and see what they say. I hope that helps!
What does it mean "95% of your approved credit limit" on balance transfer?
Hi Caterina, it’s the maximum that you can get approved for transferring a balance from another credit card. For example, if you have been approved for a credit limit of $8,000, you can transfer as much as $7,600 (95% of $8,000). Bankwest still has the final say on whether or not to approve the transfer and the total amount, though. Additionally, I've included a helpful article that outlines important rules regarding balance transfers that you may find useful too. Thanks Caterina!
What is defined as the transfer amount - the amount outstanding on your current credit card or the total credit limit on your current credit card? Thanks
Hi there, the transfer amount is usually the balance owed on your current credit card that you’d like to transfer to a new card. For this Bankwest card, you can request to transfer up to 95% of your approved credit limit.
Hi, I have a balance transfer from Latitude Gem Visa, do you accept this? Approx balance is $2700
Hi Deanna, you’ve actually landed on Creditcard.com.au. However, you can definitely request for a balance transfer during application. You’ll need to give your card number or BPAY details to Bankwest at that time. You might be interested in learning more about how balance transfers work.
I GOT BANKWEST CREDIT CARD. IS THAT POSSIBLE TO APPLY ANOTHERONE WITH BANKWEST
Hi Sandeep, yes, it’s possible to apply for another credit card with Bankwest. However, the approval of your application will depend on a number of factors, such as your credit score, income, and existing debt/s. When applying for another credit card, it's important to consider your current financial situation and whether you can handle the added responsibility of another credit card. It's also important to keep in mind that having multiple credit cards can increase your overall credit utilisation, which can have a negative impact on your credit score. So, you should be mindful of your spending and make sure that you can manage the payments on all your credit cards.
Hello would I be eligible to apply for a credit card being on the Disibility support pension
Hi Darren, there’s a minimum income requirement of $15,000 for the Bankwest Breeze card. The application form on the official website says that Bankwest will need “Employment details, including length of employment and employer contact numbers”. It might be worth giving them a call on 13 17 19 to check your eligibility with them personally. Let us know how you go!
Hi there, just wondering if international flights are classified as “retail purchases?” and are there for eligible for this promotion? Thanks
Hi there ABus, as long as the airline processes your payment as a normal credit card transaction, you should be fine. In anycase, it’s always good to double check with both your airline and Bankwest first.
I would like to apply for this card but I don't have a passport or driver's licence or any photo ID . I wasn't born in Australia so no birth certificate. I am a Commonwealth Bank Customer of many years at can be verified and I have a Naturalisation Certificate, pension card, .educate card and Comm bank Debit card and also a taxi subsidy card which does have my photo on it. Is this enough. If not, do I need to pay for both a passport and a Licence? Thanks.
Hi Yvonne, thank you for the information provided. Institutions in Austrlaia require 100 points of ID to open accounts. You can find out more at Wikipedia. For assistance with your specific situation, it would be best to contact Bankwest directly by calling 13 17 19.
Martin samarakoon
12 October 2023applied for a credit card where the application process went smooth but few issues with proving income and existing credit. however, their staff (over the phone) was very helpful and guided me in the right direction towards the approval process. been nearly 2 years and pretty happy with the card and its functionality
Recommends this cardOk
9 November 2021Ok
Recommends this cardCreditcard.com.au Visitor
5 March 2015Have been with bankwest credit card for years. Exceent service. Staff in store helpful. Would ove branches in North west Queensland so I could transfer al my accounts to them
Recommends this cardJulio Vergas
28 January 2013This card is great for anyone wanting low interest rates. I got it cos of the purchase offer â?? 0% for 6 months. The balance transfer you could probably get better elsewhere, but for low ongoing rates it has to be one of the best. The low annual fee is just icing on the cake.
Recommends this card