Low rate credit card

The Bankwest Breeze Mastercard® is a credit card with our low ongoing purchase rate.

0% p.a. for 21 months on balance transfers

2% balance transfer fee applies. Available for a limited time to new Bankwest Breeze Mastercard customers only.1  

Benefits

Low interest rate

A good choice if you don't think you'll pay off the balance on your card each month.

Consolidate your debt

Transfer the balance from your non-Bankwest branded credit card at a great introductory and ongoing rate.1

Interest-free period

Get up to 55 interest-free days on purchases. 2 Interest-free days on purchases apply when the total amount owing on your current statement is paid in full by the due date, and you have also paid off your previous month’s balance in full by its due date. Section 24 of our Credit Cards Conditions of Use further outlines how this interest-free period is calculated. Close

Save on foreign transaction fees

No foreign transaction fees for Platinum cardholders 3 No foreign transaction fees for Platinum customers for transactions occurring outside Australia whether in foreign currency or Australian dollars. This applies to online and overseas purchases. Other fees and charges may apply, including when using overseas ATMs. Close

There are two types of low rate credit cards

Bankwest Breeze Classic Mastercard

  • $1,000 minimum credit limit
  • Free worldwide emergency card replacement

Bankwest Breeze Platinum Mastercard

  • Complimentary international credit card travel insurance 4 Limitations, exclusions and eligibility criteria apply. See the Complimentary Credit Card Insurance booklet for details. Close
  • No foreign transaction fees for online and overseas purchases 3 No foreign transaction fees for Platinum customers for transactions occurring outside Australia whether in foreign currency or Australian dollars. This applies to online and overseas purchases. Other fees and charges may apply, including when using overseas ATMs. Close
  • $6,000 minimum credit limit

Rates and fees

Show me the rates and fees for

Rates

Rate type

Rate

Purchase rate ? Interest rate on purchases made using your credit card. Close

12.99% p.a.

Introductory balance transfer rate for 21 months1

0% p.a. (2% balance transfer fee applies)

Ongoing balance transfer rate ? The ongoing balance transfer rate is the rate that applies after the introductory period finishes.  Close

12.99% p.a.

Cash advances ? Applies to online transfers and using your credit card to withdraw cash. Close

21.99% p.a.

More

Fees

Fee Type

Fee

Annual fee

$99

Annual fee

$59

Foreign transaction fee

Waived (Normally 2.95% of the transaction amount) 3 No foreign transaction fees for Platinum customers for transactions occurring outside Australia whether in foreign currency or Australian dollars. This applies to online and overseas purchases. Other fees and charges may apply, including when using overseas ATMs. Close

Foreign transaction fee ? For each transaction occurring outside Australia whether in foreign currency or Australian dollars. Close

2.95% of the transaction amount

Late payment administrative fee ? When the minimum payment is not processed by the due date.  Close

$25 per statement period

Cash advance fee

2% of transaction amount or $4 (whichever is greater)

Dishonour fee ? Each time there is a dishonoured payment into the account. For example, a dishonoured periodical/scheduled payment or cheque deposit. Close

$10 each time

Paper statement fee ? Avoid this fee with eStatements.
Close

$1.25 per statement

More

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

Apply today

Here are your next steps...

Check your eligibility

  • People 18 years or over
  • Australian permanent residents
  • One Bankwest Breeze Mastercard per customer only.
1

Things you need for your application

  • 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
  • Financial information including income, expenses and assets.

Find out more about what you may need to provide.

Already started? Resume your application.

Need help choosing or managing your credit card?

Speak with someone from the team today.

Things you should know

1 Introductory rate on balance transfers:

  • Introductory rate on balance transfers is available to new Bankwest Breeze Mastercard customers who apply from 12 December 2016 until the promotion ends, and are approved
  • A 2% Balance Transfer fee is payable on all transactions to which that balance transfer rate applies
  • 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 will be charged at the ongoing balance transfer rate as outlined in your credit card schedule
  • Minimum balance transfer amount is $500
  • A 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.

2. Interest-free days on purchases apply when the total amount owing on your current statement is paid in full by the due date, and you have also paid off your previous month’s balance in full by its due date. Section 24 of our Credit Cards Conditions of Use (PDF) further outlines how this interest-free period is calculated.

3. No foreign transaction fees for Platinum customers for transactions occurring outside Australia whether in foreign currency or Australian dollars. This applies to online and overseas purchases. Other fees and charges may apply, including when using overseas ATMs.

4. Limitations, exclusions and eligibility criteria apply. See Complimentary Credit Card Insurance booklet (PDF) for details.

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