0% p.a. for 26 months on balance transfers

Enjoy a low introductory balance transfer rate with the Breeze Mastercard®. Plus, we’ll waive the annual fee for the first year. 2% balance transfer fee applies. Limited time for new customers only. Other fees apply. See full T&Cs under ‘Things you should know’.


Low rate credit card

Our low ongoing purchase rate makes it a good choice if you don’t always pay off your balance each month.

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. Close

Save on foreign transaction fees

No foreign transaction fees for Platinum cardholders (great for online shopping with international retailers, or spending whilst overseas). 3

Digital card now available

Access and activate your new Breeze Mastercard in the Bankwest App as soon as your application is approved.

There are two types of Breeze Mastercard

If you‘re eligible for a minimum $6,000 limit, you can choose to unlock Platinum benefits.

Classic Mastercard Platinum Mastercard

Min credit limit


Min credit limit


$0 annual fee for the first year, then $49 thereafter
$0 annual fee for the first year, then $69 thereafter 

Ongoing purchase rate ?

10.99% p.a.

Ongoing purchase rate ?

10.99% p.a.

Complimentary overseas travel insurance 4


Complimentary overseas travel insurance 4


Foreign transaction fee 3

2.95% of the transaction amount

Foreign transaction fee 3



It’s official

Our Breeze Mastercard is award winning

Both tiers have brought home the silverware – our Platinum Mastercard has been named Best Balance Transfer Platinum Credit Card in 2020’s Mozo Expert Choice Awards and Best-Value Premium Credit Card in Money magazine's 2021 Best of the Best Awards, and our Classic Mastercard has been awarded the Best-Value Transactor and Standard Credit Card in Money magazine's 2021 Best of the Best Awards. You pick which one's your winner.

Rates and fees

Limited time offer

New customers only. 2% balance transfer fee applies. 1


for 26 months on balance transfers


ongoing balance transfer rate

Rate type Rate
Ongoing purchase interest rate ? 10.99% p.a.
Introductory balance transfer rate for 26 months 1 0% p.a.
Ongoing balance transfer rate ? The ongoing balance transfer rate is the rate that applies after the introductory period finishes.  Close 10.99% p.a.
Cash advances ? 21.99% p.a.
Fee Type Fee
Balance transfer fee 2%
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.

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.