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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.
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. 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.
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| Classic Mastercard | Platinum Mastercard |
|---|---|
|
Min credit limit $1,000 |
Min credit limit $6,000 |
|
Annual fee 1 $0 (first year), $79 (after) |
Annual fee 1 $0 (first year), $99 (after) |
|
9.90% p.a. |
9.90% 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 |
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Rates and fees
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| Rates | |
|---|---|
| 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. |
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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).
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.
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
- Info about your income, expenses, assets, loans and other credit cards.
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.
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.
Mastercard and the Mastercard brand mark are registered trademarks, and the circles design and Tap & go are trademarks of Mastercard International Incorporated.