Compare low rate credit cards

Range of credit cards	Bankwest Breeze Mastercard A credit card with our low ongoing purchase rate
Rates and fees
Ongoing purchase interest rate ?	10.99% p.a.	10.99% p.a.
Intro balance transfer rates 1	0% p.a. for 26 months (2% balance transfer fee applies)	0% p.a. for 26 months (2% balance transfer fee applies)
Ongoing balance transfer rate ?	10.99% p.a.	10.99% p.a.
Annual fees	$0 first year, then $49 thereafter	$0 first year, then $69 thereafter
Minimum credit limits	$1,000	$6,000
Cash advance rates ?	21.99% p.a.	21.99% p.a.
Foreign transaction fees 2	2.95% of the transaction amount	0%
Cash advance fees ?	2% of transaction amount or $4 (whichever is greater)	2% of transaction amount or $4 (whichever is greater)
Features
Interest free days on purchases 3	Up to 55 days	Up to 55 days
Availability as part of Complete Home Loan Package	Yes	Yes
Complimentary overseas travel insurance 4	Not available	Available
	Apply

Range of credit cards

Bankwest Breeze Mastercard
A credit card with our low ongoing purchase rate

Type

Classic

Platinum

Rates and fees

Ongoing purchase interest rate

10.99% p.a.

Intro balance transfer rates

0% p.a. for 26 months (2% balance transfer fee applies)

Ongoing balance transfer rate

10.99% p.a.

Annual fees

$0 first year, then $49 thereafter

$0 first year, then $69 thereafter

Minimum credit limits

$1,000

$6,000

Cash advance rates

21.99% p.a.

Foreign transaction fees

2.95% of the transaction amount

Cash advance fees

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

Features

Interest free days on purchases

Up to 55 days

Availability as part of Complete Home Loan Package

Yes

Complimentary overseas travel insurance

Not available

Available

Apply

Bankwest Breeze Mastercard A credit card with our low ongoing purchase rate
Classic	10.99% p.a.	0% p.a. for 26 months (2% balance transfer fee applies)	10.99% p.a.	$0 first year, then $49 thereafter	$1,000	21.99% p.a.	2.95% of the transaction amount	2% of transaction amount or $4 (whichever is greater)	Up to 55 days	Yes	Not available
Platinum	10.99% p.a.	0% p.a. for 26 months (2% balance transfer fee applies)	10.99% p.a.	$0 first year, then $69 thereafter	$6,000	21.99% p.a.	0%	2% of transaction amount or $4 (whichever is greater)	Up to 55 days	Yes	Available

Bankwest Breeze Mastercard
A credit card with our low ongoing purchase rate

Classic

10.99% p.a.

0% p.a. for 26 months (2% balance transfer fee applies)

10.99% p.a.

$0 first year, then $49 thereafter

$1,000

21.99% p.a.

2.95% of the transaction amount

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

Up to 55 days

Yes

Not available

Platinum

10.99% p.a.

0% p.a. for 26 months (2% balance transfer fee applies)

10.99% p.a.

$0 first year, then $69 thereafter

$6,000

21.99% p.a.

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

Up to 55 days

Yes

Available

One Bankwest Breeze Mastercard per customer only.

1. Discounted annual fee and introductory balance transfer rate offer is available to new Bankwest Breeze Mastercard customers who apply from 11 December 2020 until the promotion ends, and are approved. Excludes product transfers from existing Bankwest credit cards.

Discounted annual fee
Annual fee is discounted in the first year and will be payable in subsequent years in advance on each anniversary date of card opening.

Introductory balance transfer rate:

A 2% balance transfer fee is payable on all transactions to which that balance transfer rate applies
Introductory balance transfer rate 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 will be charged at the ongoing rate for 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

View balance transfer terms and conditions.

2. 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.

3. 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.

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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