0% p.a. for 15 months on purchases and balance transfers

Plus, for this limited time offer with the Breeze Mastercard®, there’s no balance transfer fee. There’s also no annual fee in the first year.

Limited time, new Breeze Mastercard customers only. No balance transfer fee. Other fees and charges, T&Cs apply. 1

Using our low rate credit card is a Breeze

Our low purchase rate

For a limited time, get 0% p.a. for 15 months on purchases. 1

After the intro period, get an ongoing 9.90% p.a. purchase rate.

Interest free period

Up to 55 interest free days on purchases. 2 You qualify for interest free days on purchases if you pay the closing balance owing (excluding any balance transfer amount) on your current statement in full by the due date. Section 24 of our Credit Cards Conditions of Use (PDF) further outlines how this interest free period is calculated.

Our low balance transfer rate

For a limited time, get 0% p.a. for 15 months on balance transfers – and pay no balance transfer fee. 1

After the intro period, get an ongoing 9.90% p.a. balance transfer rate.

Higher transfer limits

Transfer up to 95% of your approved credit limit.

You’ve got 2 options

Other rates and fees

Limited time offer

New Breeze Mastercard customers only. 0% balance transfer fee applies. 1


for 15 months on purchases


for 15 months on balance transfers

Rate type Rate
Ongoing purchase interest rate ? 9.90% p.a.
Introductory balance transfer rate for 15 months 1 0% p.a.
Ongoing balance transfer rate ? The ongoing balance transfer rate is the rate that applies after the introductory period finishes.  9.90% p.a.
Cash advances ? 21.99% p.a.
Fee type Fee
Balance transfer fee 0% for a limited time (2% usually applies)
Cash advance fee 2% of transaction amount or $4 (whichever is greater)
Paper statement fee ? Avoid this fee with eStatements.
$1.25 per statement

Rates are subject to change. Other fees and charges may apply. A full list of fees will be outlined in your credit card contract.

See the Credit Card Key Facts Sheet (PDF).

Apply today

Here are your next steps...

Check your eligibility

  • People 18 years or over
  • Regular income of over $15,000 a year
  • Australian permanent residents
  • One Bankwest Breeze Mastercard per customer only.

  • Photo identification such as an Australian driver's licence or passport. Or see a handy list of other ID documents we’ll accept.
  • Employment details, including length of employment and employer contact numbers
  • Info about your income, expenses, assets, loans and other credit cards.

Find out more about what you may need to provide.

Already started? Resume your application.

Frequently asked questions

Info at your fingertips


How do balance transfers work?

It’s when you transfer the balance you owe on your existing card(s) to another credit card. Sometimes we'll offer a lower interest rate for a set period of time (like 0% p.a. for 12 months), which can be useful for consolidating debt into one place.

You can ask for a balance transfer while you apply for your credit card – your balance will move across once your new card has been activated.


How do I make the most of my balance transfer offer?

Work out a repayment plan
If you would like to make even repayments each month to pay off the balance within the offer period, you can divide the amount you've transferred by the number of remaining months in your offer to find out your monthly repayments. Assuming you make no other purchases or cash advances. Don’t forget to consider any fees or charges that may also apply.

If you can afford to, you can make larger repayments to pay it off even quicker.

Streamline your cards
Think about closing your old credit card – this can help avoid unnecessary fees and will stop you from accruing more debt on that card.


What happens after the offer period ends?

You’ll be charged the ongoing balance transfer rate, as outlined in your credit card schedule, on any remaining balance that you’ve transferred and haven’t paid down.


Is there anything else I should think about?

There’s more to a balance transfer offer than a great interest rate. Make sure you understand:

  • When your balance transfer offer starts and ends
  • Any fees and charges associated with the account and the offer (like a balance transfer fee)
  • The interest rate you’ll be charged on new purchases or cash advances
  • Whether you’re eligible for interest free days on new purchases.

All our credit cards come with these great benefits

Digital cards

From paying with Apple Pay or Google Pay™ to having your card details at your fingertips, you can use your digital card without needing the plastic one on you.

Instant card lock

Temporarily lock your card 24/7 in online banking or the app. Otherwise, you can give us a call.

Purchase now, pay off later

With Easy Instalments purchase plans, you can spread the cost of up to five eligible purchases over four manageable monthly instalments, at 0% p.a. Plus, you can manage them in the app. 5 See the 'Things you should know’ section at the bottom of this page for the full T&Cs.

Want to see more credit cards?

If you’re confident you’ll pay off your balance in full each month, you might want a card that offers something different to a low rate...

Need help choosing or managing your credit card?

We’ve got a variety of guides and handy info that gives you everything you need to know about using your credit card. Find out more.

If your priority is debt consolidation, you might want to consider a debt consolidation loan.

  1. Breeze Mastercard introductory offer:
    First year annual fee waiver, introductory balance transfer rate offer and introductory purchase rate offer is only available to new Bankwest Breeze Mastercard customers who apply from 29 April 2021 until the promotion ends, and are approved. Excludes product transfers from existing Bankwest credit cards.

    First year annual fee waiver:
    Annual fee is waived in the first year and will be payable in subsequent years in advance on each anniversary date of card opening. In instances where the first year annual fee is charged to the account, this will be refunded within 30 days.

    Introductory balance transfer rate offer and introductory purchase rate offer:

    • Introductory rate excludes cash advances
    • Applies from the date the card is opened, regardless of when any balance transfer or purchase is processed by us
    • After the intro period, the interest rate on any outstanding transferred balance or purchase will be charged at the ongoing rate for purchases and balance transfers as outlined in your credit card schedule
    • Minimum balance transfer amount is $500
      Only non-Bankwest-branded credit cards can be balance transferred to Bankwest Mastercard credit cards
    • A balance transfer request will only be processed up to 95% of your approved credit limit.

    View balance transfer terms and conditions.

  2. You qualify for interest free days on purchases if you pay the closing balance owing (excluding any balance transfer amount) on your current statement in full by the due date. Section 24 of our Credit Cards Conditions of Use (PDF) further outlines how this interest free period is calculated.

  3. Foreign transactions are all transactions effected in foreign currency or occurring outside of Australia whether in foreign currency or Australian dollars including if you are in Australia (for example, online) where the merchant or the financial institution or entity processing the transaction is located overseas. No foreign transaction fees apply for Platinum or World customers. Other fees and charges may apply, including when using overseas ATMs.

  4. Complimentary overseas travel insurance provides base cover only and limitations, exclusions and eligibility criteria apply. See the Credit Card Insurances Product Disclosure Statement and Information Booklet (PDF) for details.

    Coronavirus (COVID-19):​​
    Please note that this event is excluded from cover for all destinations. For more information please see here.

  5. Lending criteria, fees and charges apply. Terms and conditions apply and are available on request. Available on eligible purchases between $100 and $10,000. Cash advances, gambling transactions, balance transfers, purchases on a promotional offer and purchases made more than 30 days prior aren’t eligible. You won't be able to apply for an Easy Instalments plan if you don't meet our eligibility criteria (e.g. if you've exceeded your limit or if you're in default). When you apply for an Easy Instalments plan, you are requesting an amendment to your allocation of payments in accordance with clause 6. of the Easy Instalments Terms and Conditions. To apply payments in this order may mean that other balances that attract a higher interest rate may be repaid later which may result in you paying higher interest charges.

Terms of Use apply to the use of Apple Pay. Apple, the Apple logo, Apple Pay, iPhone and the App Store are trademarks of Apple Inc., registered in the U.S. and other countries.

Terms of Use apply to the use of Google Pay. Android, Google Pay, Google Play and the Google Play logo are trademarks of Google LLC.​

Mastercard and the circles design are registered trademarks, and tap & go is a trademark, of Mastercard International Incorporated.