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Bankwest Breeze Mastercard
Bankwest Breeze Mastercard

Bankwest Credit Cards

Bankwest Breeze Mastercard

Updated 6 June 2024

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)


$0 over 12 months

My transfer amount

Balance transfer from:

My annual fee

My interest rate

Pros and cons

  • 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

  • No complimentary insurances
  • No other perks, discounts or rewards review

Editor Review

Bankwest Breeze Mastercard

Pauline Hatch
Pauline is a personal finance expert at, with 8 years in money, budgeting and property reporting under her belt. 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:

  1. 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)
  2. Follow the prompts to set up the plan, which will divide the purchase into four payments over four months
  3. Each month you’ll be reminded to make your instalment payment
  4. 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

Bankwest Breeze Mastercard ( based on 138 user reviews )

87% rating based on 138 reviews

Customer Service

Martin samarakoon

12 October 2023

applied 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 card


9 November 2021


Recommends this card
93% Visitor

5 March 2015

Have 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 card

Julio Vergas

28 January 2013

This 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

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; closing balance applies if less than $20)

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 No

Extended Warranty Insurance No

Rental Vehicle Excess In Australia Insurance No


Price Guarantee Scheme


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, 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.

226 questions (showing the latest 10 Q&As)



21 April 2024
Can I direct debit all my bills on my card and still get up to 55 days interest free if I pay my bill completely at that time
    Pauline -


    28 April 2024
    Hi Margaret, yes you can set an automatic direct debit for your bills to your Bankwest Breeze Classic card and still get up to 55 days interest free if the bill is paid in full on or before the due date. For more information about direct debits, you can contact Bankwest directly at 13 17 19.


5 April 2024
I need to pay a bill for cleaning my house and dump run to a private cleaner. Can I use this credit card to pay this bill is that classed as a cash advance??? also what about buying groceries??
    Pauline -


    9 April 2024
    Hi Lydnsie, credit providers don't provide a list of what's an "eligible purchase" but generally groceries are considered in this list. You'll need to be careful with the dump, as it could be considered ineligible as it could be considered paying a government utility. You should check with the merchant before handing over your card details. Hope this helps Lyndsie.


5 April 2024
I have a small debt I need to pay of up to $2000, how does the 0%p.a interest for the first 12months work? does that mean if I spend $2000 I pay no interest for the first 12months if I pay the minimum monthly repayment and only pay the $49 annual fee? then it reverts to 12.99%
    Pauline -


    18 April 2024
    Hi Lyndsie! Yes, but I’ll clarify a couple of things. You can use the 12 months interest-free in two ways at the same time: 1) pay no interest on things you buy with the card for 12 months, and 2) transfer a debt from another card onto this one and pay no interest for 12 months, giving you a chance to pay it off faster. As you said, you’ll be charged 12.99% p.a. on both balances once the 12 months is up. I hope that answers your question, thanks Lyndsie!


29 February 2024
Hi, what is the max limit for this credit card? And are all purchases made with it for the first 12 months with a 0% interest rate?
    Pauline -


    1 March 2024
    Hi Will, credit card providers generally don't publish their maximum credit limit. It's determined by many things during your application. In regards to the 0% p.a. on eligible purchases, it starts the day your card is activated. It's a good idea to continue to pay down any debt you accrue during that 12 months so you don't get stung with interest at the end of that time.


21 February 2024
With the Bank west low interest rate does that include cash advances?
    Pauline -


    22 February 2024
    Hi John, the Bankwest Breeze does allow cardholders to do cash advances. You'll pay a fee of 3% or $4 (whichever is greater) for any cash advances and you will be hit with the cash advance rate of interest 21.99% p.a. as soon as the transaction happens. No interest free days or promotions will apply to any cash advances either. Hope that helps!


5 January 2024
If I already have a credit card with $6000 balance can I apply for another
    Pauline -


    9 January 2024
    Hi Anthony, if you’re confident that you’ve met all the eligibility requirements, yes you may apply. Please note though that the application is still subject to Bankwest’s review , credit decisioning and approval.

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