9.90% p.a. ongoing purchase rate

Plus, $0 annual fee for the first year. New Breeze Mastercard® customers only. Limited time. 1

See the important changes coming to complimentary overseas travel insurance.
Balance transfer offer

0% p.a. for 6 months on balance transfers with Breeze Mastercard® 1

New Breeze customers only. Limited time.


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. 1

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


Annual fee 1

$0 (first year), $79 (after)

Annual fee 1

$0 (first year), $99 (after)

Ongoing purchase rate ? 1

9.90% p.a.

Ongoing purchase rate ? 1

9.90% 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



Rates and fees

Rate type Rate
Introductory balance transfer rate for 6 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 9.90% p.a.
Ongoing purchase interest rate ? 9.90% p.a.
Cash advances ? Applies to online transfers and using your credit card to withdraw cash. Close 21.99% p.a.
Fee Type Fee
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.

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
  • 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.

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 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.

Things you should know

1. Annual fee waiver, promotional ongoing purchase rate and introductory balance transfer rate offer is available to new Breeze Mastercard customers who apply from 24 July 2019 until the promotion ends. Excludes product transfers from existing Bankwest credit cards. Rates are subject to change and exclude cash advances (rate 21.99% p.a.applies).

Annual fee waiver: 

Annual fee is waived for the first year and will be payable in subsequent years on the anniversary date of card opening.

Promotional introductory balance transfer rate:

  • 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 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. Limitations, exclusions and eligibility criteria apply. See the Credit Card Insurances Product Disclosure Statement and Information Booklet (PDF) for details.

From 9 December 2019 we're making some important changes to complimentary overseas travel insurance cover and eligibility criteria - here's what you need to know.

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