Bankwest
Bankwest Breeze Classic Mastercard
A credit card with our lowest ongoing rate.
Credit cardsBank updated 23 Sept 2026
At a glance
- Purchase rate
- 12.99%
- Cash advance
- 21.99%
- Interest-free days
- 55
- Annual fee
- $49
- Foreign transaction fee
- 2.95%
- Balance transfer
- 12.99%
§ 01 — Rates · 4
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Balance transferThe rate you'll pay on balance transfers after any introductory period. | — | — | — | 12.99% | — | — |
| Cash advanceThe rate you'll pay on any cash advances, including when you withdraw cash | — | — | — | 21.99% | — | — |
| Introductory0% p.a. for 24 months on balance transfers after your Card is approved. After the intro period, the ongoing balance transfer rate applies. Limited time for new Breeze Mastercard customers only. Minim… | — | 2 yrs intro | — | 0.00% | — | Only available to new Bankwest Breeze Mastercard customers. Excludes product transfers from existing Bankwest credit cards. |
| PurchaseThe rate you'll pay on purchases if you're not eligible for an interest free period. | — | — | — | 12.99% | — | — |
§ 02 — Fees · 10
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| Cash Advance Fee | Cash advance | 3.00% of transaction | — | 3% of transaction amount or $4 (whichever is greater). Payable for transactions that the annual cash advance percentage rate applies to. |
| Dishonour Fee | Dishonour | No fee | — | Payable each time a periodical payment or a cheque deposit to your Card Account is dishonoured. |
| Balance Transfer Fee | Event | 3.00% of transaction | — | Charged as a % of the total balance transfer transaction amount. Payable for each transaction that the introductory balance transfer percentage rate applies to. |
| Customer Trace Fee | Event | $10 | — | Payable each time we have to locate you during the period that you're in default under the card contract. |
| Over the Limit Fee | Event | $10capped $10 / 1 mo | — | Payable for each statement period that you exceed your credit limit. This fee only applies to accounts opened and activated before July 2012, where over limit consent has been provided. |
| Late Payment Administration Fee | Late payment | $25 | 1 days after due | Payable for each statement period that the minimum payment is not processed to your card account by the due date. This includes any amount shown on your card account statement as amount due immediate… |
| Annual Fee | Periodic | $49 | Every 1 yr | Payable when the Card Account is opened and in advance on each anniversary of Card Account opening. No credit card annual fee applies when the card is taken out as an eligible card with the Complete Home Loan Package. |
| Paper Statement Fee | Periodic | $1.25 | Every 1 mo | Payable for each paper Card Account Statement sent to you. Fee is waived if opted-in to e-statements. |
| Credit Card Replacement Fee | Replacement | $25 | — | Payable on reissue of a lost credit card over the entitled two free reissues per Card Account per calendar year. This fee does not apply to stolen cards when Bankwest is advised of the police report… |
| Foreign Transaction Fee | Transaction | 2.95% of transaction | — | Foreign transactions are transaction 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… |
§ 03 — Features
Digital bankingFraud protectionBalance transfersInstalment plans55 interest-free days3 additional cardsApple PayGarmin PayGoogle PaySamsung Pay
- · You can bank over the phone.
§ 04 — Eligibility & limits
- · Minimum age 18
- · Residency: Australian citizen or Australian permanent resident
- · Available to individuals
- · Amount $1,000 to no maximum
- · Customers must meet Bankwest's credit assessment criteria, which includes demonstrating the capacity to service the credit facility.
§ 06 — Run the numbers
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Published by Bankwest under the Consumer Data Right, last changed by them on 23 Sept 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.