Low rate credit card | Breeze Mastercard®

Limited time only. New Breeze Mastercard customers only. Other fees and T&Cs apply.

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Benefits

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.

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

Interest free period

Up to 55 interest free days on purchases. 2

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.

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Classic Mastercard	Platinum Mastercard
Min credit limit $1,000	Min credit limit $6,000
Annual fee $49	Annual fee $69
Ongoing purchase rate ? 10.99% p.a.	Ongoing purchase rate ? 10.99% p.a.
Complimentary overseas travel insurance 4 No	Complimentary overseas travel insurance 4 Yes
Foreign transaction fee 3 2.95% of the transaction amount	Foreign transaction fee 3 Waived

Classic Mastercard

Platinum Mastercard

Min credit limit

$1,000

Min credit limit

$6,000

Annual fee

$49

Annual fee

$69

Ongoing purchase rate ?

10.99% p.a.

Ongoing purchase rate ?

10.99% p.a.

Complimentary overseas travel insurance 4

Yes

Foreign transaction fee 3

2.95% of the transaction amount

Foreign transaction fee 3

Waived

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See detailed comparison

Rates and fees

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Rates
Rate type	Rate
Introductory purchase interest rate for 15 months 1	0% p.a.
Ongoing purchase interest rate ?	10.99% p.a.
Introductory balance transfer rate for 9 months 1	2.99% p.a.
Ongoing balance transfer rate ?	10.99% p.a.
Cash advances ?	21.99% p.a.

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Fees
Fee Type	Fee
Balance transfer fee	0% for limited time (usually 2%)
Cash advance fee	2% of transaction amount or $4 (whichever is greater)
Paper statement fee ?	$1.25 per statement

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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).

View our credit card terms and conditions

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.

Apply now

Already started? Resume your application.

Compare our credit cards

Need other info?

Common questions

Find out more about our Breeze Mastercard.

How do you use a balance transfer?

If you have a credit card with a balance owing on it, you can transfer the balance to another credit card provider. Some credit card providers offer a 0% p.a. interest rate for a specified period of time on whatever balance you transfer, allowing you a set amount of time to pay off that debt without accruing interest charges.

Continue reading.

What do I need to apply for a credit card?

Whether you’re applying for a new credit card or to increase your credit limit, we’ll need:

Proof of identity
Proof of income
An idea of your expenses and debts.

Find out more.

How do I activate my card or payment ring?

An easy way to activate your card or payment ring is via online banking. Once you’ve logged in, select ‘self-service’ in the left-hand menu. Then, select ‘manage my cards’. Select the card or payment ring you wish to activate from the ‘cards to manage’ drop-down menu. Enter the expiry date printed on the card (if you’re activating a payment ring the expiry date is printed on the activation letter). Choose a new 4-digit PIN if necessary, and enter an SMS code to confirm your identity. See more.

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.

Call us on 13 17 19

Message us 24/7 in the app

Find a branch

Things you should know

1. Introductory rate on purchases and balance transfers available to new Bankwest Breeze Mastercard customers who apply from 22 September 2020 until the promotion ends, and are approved. Excludes product transfers from existing Bankwest credit cards.

Introductory rates excludes cash advances
Applies from the date the card is opened, regardless of when any balance transfer 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, currently 10.99% p.a., as outlined in your credit card schedule
Minimum balance transfer amount is $500
A balance transfer request will only be processed up to 95% of your approved credit limit
Only non-Bankwest-branded credit cards can be balance transferred to Bankwest Mastercard credit cards.

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 transactions 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 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.

On 9 December 2019 we made some important changes to complimentary overseas travel insurance cover and eligibility criteria – here’s what you need to know.

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

Mastercard and the Mastercard brand mark are registered trademarks, and the circles design and Tap & go are trademarks of Mastercard International Incorporated.

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0% p.a. for 15 months on purchases

Benefits

There are two types of Breeze Mastercard

Rates and fees

Apply today

Here are your next steps...

Want to see more credit cards?

Need other info?

Common questions

Need help choosing or managing your credit card?

0% p.a. for 15 months on purchases

Benefits

There are two types of Breeze Mastercard

Rates and fees

Apply today

Here are your next steps...

1.Things you need for your application

Want to see more credit cards?

Need other info?

Common questions

Need help choosing or managing your credit card?