0% p.a. for 26 months on balance transfers

Enjoy a low introductory balance transfer rate with the Breeze Mastercard®. Plus, we'll waive the annual fee for the first year. 2% balance transfer fee applies. Limited time for new customers only. Other fees apply. See full T&Cs under 'Things you should know'.

Why transfer your balance to us?

Our low rate credit card makes it a Breeze.

Consolidate your debt

You could have one card, with no interest to pay on your transferred balances for over 2 years.

Higher transfer limits

You can transfer up to 95% of your approved credit limit.

Get up to 55 interest free days on new purchases

If you pay your closing balance, minus your balance transfer amount, in full by the due date. 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

Our lowest ongoing rate

It's handy if you can't pay off your balance transfer during the offer period.

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

$0 first year, then $49 thereafter

Annual fee

$0 first year, then $69 thereafter

Ongoing purchase rate ?

10.99% p.a.

Ongoing purchase rate ?

10.99% p.a.

Complimentary overseas travel insurance 3


Complimentary overseas travel insurance 3


Foreign transaction fee 4

2.95% of the transaction amount

Foreign transaction fee 4



Rates and fees

Limited time offer

New customers only. 2% balance transfer fee applies. 1


for 26 months on balance transfers


ongoing balance transfer rate

Rate type Rate
Ongoing purchase interest rate ? 10.99% p.a.
Introductory balance transfer rate for 26 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 10.99% p.a.
Cash advances ? 21.99% p.a.
Fee type Amount
Balance transfer fee 2%
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

Check your eligibility

  • This card is available to people 18 years and over who are Australian permanent residents
  • Regular income of over $15,000 a year
  • Only one Bankwest Breeze Mastercard account per customer.

If your application is successful, you will be offered a Classic or Platinum card, depending on your approved limit.


Frequently asked questions

Info at your fingertips


How do balance transfers work?

It’s when you transfer the balance you owe on your existing card(s) to another credit card. Sometimes we'll offer a lower interest rate for a set period of time (like 0% p.a. for 12 months), which can be useful for consolidating debt into one place.

You can ask for a balance transfer while you apply for your credit card – your balance will move across once your new card has been activated.


How do I make the most of my balance transfer offer?

Work out a repayment plan
If you would like to make even repayments each month to pay off the balance within the offer period, you can divide the amount you've transferred by the number of remaining months in your offer to find out your monthly repayments. Assuming you make no other purchases or cash advances. Don’t forget to consider any fees or charges that may also apply.

If you can afford to, you can make larger repayments to pay it off even quicker.

Streamline your cards
Think about closing your old credit card – this can help avoid unnecessary fees and will stop you from accruing more debt on that card.


What happens after the offer period ends?

You’ll be charged the ongoing balance transfer rate, as outlined in your credit card schedule, on any remaining balance that you’ve transferred and haven’t paid down.


Is there anything else I should think about?

There’s more to a balance transfer offer than a great interest rate. Make sure you understand:

  • When your balance transfer offer starts and ends
  • Any fees and charges associated with the account and the offer (like a balance transfer fee)
  • The interest rate you’ll be charged on new purchases or cash advances
  • Whether you’re eligible for interest free days on new purchases.