Breeze Classic Mastercard.
For our lowest ongoing rate.
0% p.a. for 24 months on balance transfers.
After the intro period, an ongoing balance transfer rate~~ of 12.99% p.a. applies. Limited time for new Breeze Mastercard customers only. 3% balance transfer fee, other fees and charges. T&Cs apply.*
Annual fee |
Minimum credit limit |
Purchase rate |
|---|---|---|
| $49 | $1,000 | 12.99% p.a. |
Overview
- Lowest ongoing purchase rate of 12.99% p.a.^^
- Up to 55 days interest-free on purchases.#
Some trade-offs
- Overseas travel insurance isn't included.
- Foreign transaction fees of 2.95% of the transaction amount apply.††
- No rewards points program.
Things to consider.
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) and visit Terms and Conditions for more information.
Your eligibility for a Classic, Platinum or World Mastercard credit card depends on your approved limit. There is a limit of one Bankwest Breeze Mastercard, one Bankwest Zero Mastercard, one Bankwest Qantas Mastercard, and one Bankwest More Mastercard per customer.
Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.
* Introductory offers
Zero Mastercard introductory offer
Introductory balance transfer rate offer and introductory purchase rate offer is only available to new Bankwest Zero Mastercard customers who apply from 1 August 2024 until the promotion ends, and are approved. Excludes product transfers from existing Bankwest credit cards.
Introductory balance transfer rate offer and introductory purchase rate offer:
- A 3% balance transfer fee is payable on all transactions to which that balance transfer rate applies
- Introductory balance transfer rate excludes cash advances (rate of 21.99% p.a. applies)
- 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 or purchase will be charged at the ongoing rate for purchases and balance transfers as outlined in your credit card schedule
- Minimum balance transfer amount is $500
- Only non-Bankwest-branded credit cards can be balance transferred to Bankwest Mastercard credit cards
- A balance transfer request will only be processed up to 95% of your approved credit limit
- You are not eligible for this promotion if you upgrade or vary your existing Bankwest credit card to a Bankwest Zero Mastercard.
Breeze Mastercard introductory offer
Introductory balance transfer rate offer is only available to new Bankwest Breeze Mastercard customers who apply from 1 August 2024 until the promotion ends, and are approved. Excludes product transfers from existing Bankwest credit cards.
Introductory balance transfer rate offer:
- A 3% balance transfer fee is payable on all transactions to which that balance transfer rate applies
- Introductory rate excludes cash advances (rate of 21.99% p.a. applies)
- Applies from the date the card is opened, regardless of when any balance transfer or purchase 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
- Only non-Bankwest-branded credit cards can be balance transferred to Bankwest Mastercard credit cards
- A balance transfer request will only be processed up to 95% of your approved credit limit
- You are not eligible for this promotion if you upgrade or vary your existing Bankwest credit card to a Bankwest Breeze Mastercard.
Bankwest Qantas Mastercard introductory balance transfer offer
Introductory balance transfer rate offer is only available to new Bankwest Qantas Mastercard customers only. Excludes product transfers from existing Bankwest credit cards.
Introductory balance transfer offer:
- Introductory balance transfer rate excludes cash advances (rate of 21.99% p.a. applies)
- Applies from the date when the card is opened, regardless of when any balance transfer is processed by us
- After 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
- Only non-Bankwest-branded credit cards can be balance transferred to Bankwest Mastercard credit cards
- A balance transfer request will only be processed up to 95% of your approved credit limit.
Bankwest Qantas Platinum Mastercard bonus points offer
Earn up to 50,000 bonus Qantas Points promotion only is available to eligible new Bankwest Qantas Platinum Mastercard customers who have not opened a Bankwest Qantas Mastercard in the last 24 months ($3,000 minimum credit limit) and apply from 17 June 2021 until the promotion ends and are approved.
- To be eligible for 50,000 bonus Qantas Points you must meet the minimum spend requirements within three months of account opening. 40,000 bonus Qantas Points are transferred to your account within five months of account opening and are subject to change.
- To be eligible for 40,000 bonus Qantas Points are transferred to your account within five months of account opening and are subject to change.
- To be eligible for 10,000 bonus Qantas Points you must keep your card account open for 15 months. 10,000 bonus Qantas Points are transferred to your account within 17 months of account opening and subject to change. Your card must remain open for points to be transferred.
- You are not eligible for this promotion if you upgrade or vary your existing Bankwest credit card to a Bankwest Qantas Platinum Mastercard.
Most purchases are eligible purchases except some things such as balance transfers, bank fees, gambling, government charges and anything else listed in Section 5 of our Bankwest Qantas Rewards Terms and Conditions.
Bankwest Qantas World Mastercard points offer
Earn up to 100,000 bonus Qantas Points. Offer only available to eligible new Bankwest Qantas World Mastercard customers who:
- Both apply for and open (that is, activate the card we issue for) a new Bankwest Qantas World Mastercard on or after 22 November 2024.
- Have a minimum credit limit of $12,000 for that new Bankwest Qantas World Mastercard.
- Have not opened a Bankwest Qantas Mastercard account in the last 24 months.
- Offer is not available to customers who have switched from an existing Bankwest credit card to a new Bankwest Qantas World Mastercard.
Promotion details:
- Earn 80,000 bonus Qantas Points by spending $35,000 (minimum spend requirement) on eligible purchases within five months from account opening. If the minimum spend requirement is satisfied, your 80,000 bonus Qantas Points are transferred to your account within seven months from account opening.
- Earn 20,000 bonus Qantas Points automatically by keeping your account open for 15 continuous months from account opening. If this requirement is satisfied, your 20,000 bonus Qantas Points are transferred to your account within 17 months of account opening. Your card must remain open for bonus Qantas Points to be transferred.
Our Bankwest Qantas Rewards Terms and Conditions apply.
More Mastercard introductory balance transfer offer
Introductory rate on balance transfers is available only to new Bankwest More Mastercard customers who apply from 15 May 2017 until the promotion ends, and are approved.
Introductory balance transfer offer:
- A 1% balance transfer fee is payable on all transactions to which that balance transfer rate applies.
- Introductory rate on balance transfers applies from date the card is opened, regardless of when any balance transfer is processed by us.
- After the introductory period, the interest rate on any outstanding transferred balance will be outlined in your credit card schedule.
- Minimum balance transfer amount of $500.
- A request will only be processed up to 95% of your approved limit.
- Only non-Bankwest-branded credit cards can be balance transferred to a Bankwest More Mastercard.
- You are not eligible for this promotion if you upgraded or vary your existing Bankwest credit card to a Bankwest More Mastercard.
# Interest free days
You qualify for interest free days on purchases if you pay the closing balance owing (excluding any promotional or introductory 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.
^ Earning Qantas Points
You must be a member of the Qantas Frequent Flyer program to earn and redeem Qantas Points. A joining fee usually applies. However, complimentary membership is available from Bankwest if you join at qantas.com/joinffbankwest. Membership and the earning and redemption of points are subject to the terms and conditions of the Qantas Frequent Flyer program. Qantas Points are earned in accordance with and subject to the Bankwest Qantas Rewards Terms and Conditions (PDF).
Qantas Points are earned on eligible purchases only. Most purchases are eligible purchases except some things such as balance transfers, bank fees, gambling, government charges and anything else listed in section 5 of the Bankwest Qantas Rewards Terms and Conditions (PDF). Exclusions and limitations apply. Points earned and redemption values subject to change.
Qantas Points (outside any bonus points) won't be transferred to your Qantas Frequent Flyer Account until:
- You have spent an initial $1,500 on eligible purchases using your card; and
- Your account has been opened for at least 2 months.
~ Earning More Rewards Points
More Rewards points are earned in accordance with and subject to the Bankwest More Rewards Terms and Conditions (PDF). Exclusions, limitations and points caps apply. More Rewards points will only be credited to your account once you have spent at least $1,500 on eligible purchases and your account has been open for at least 60 days.
Annual bonus points will not be available to Account Holders who open a Card Account after 31 July 2023. See Bankwest More Rewards Terms and Conditions (PDF) for more information.
** Complimentary insurance
Complimentary overseas travel insurance provides base cover only. Limitations, exclusions, and eligibility criteria apply. See the Credit Card Insurances Product Disclosure Statement and Information Booklet (PDF) for details.
Coronavirus (COVID-19) Cover is available for overseas medical expenses incurred due to COVID-19. No cover is available under any other benefit or if you are travelling on a cruise. Terms and conditions apply. For more information please refer to the Credit Card Insurance PDS (PDF).
## Complimentary lounge access
To gain access to participating airport lounges, you must register your Bankwest More World Mastercard on the Mastercard Travel Pass website or app, generate a membership QR code and present this along with your boarding pass for validation. More World Mastercard customers receive ten complimentary lounge visits every year, per account, each visit can be used by either the primary cardholder or guest. Guest must always be accompanied by the primary cardholder and cannot use the access on their own. Please note, your lounge access may be blocked if your account is closed, in arrears, reported lost or stolen, or has been blocked by us for any reason.
To redeem an offer visit the Mastercard Travel Pass website or app, select your preferred offer and generate an offer QR code. Present the valid offer QR code to the cashier and redeem the offer. Please note, offers vary by location. Visit Mastercard Travel Pass website for information on accessing lounges, offer locations, a full list of Terms and Conditions and Frequently Asked Questions. Please review Mastercard Travel Pass Terms & Conditions before you make your first lounge visit.
¶ Complete Home Loan Package
No credit card annual fee applies when the card is taken out as an eligible card with the Complete Home Loan Package. Package consists of an eligible home loan, one optional eligible credit card per customer and up to nine optional Offset Transaction Accounts per loan. The Complete Home Loan Package is closed when all home loans included in the package are closed. Under the package, only one optional Bankwest Qantas Mastercard, Bankwest More Mastercard or Breeze Mastercard account is allowed per customer. Minimum credit limit is $3,000 for the Bankwest Qantas Platinum Mastercard, $1,000 for the Bankwest More Classic Mastercard and the Breeze Classic Mastercard, and $6,000 for the Bankwest More Platinum Mastercard and Breeze Platinum Mastercard, and $12,000 for the Bankwest More World Mastercard and Bankwest Qantas World Mastercard.
^^ The ongoing purchase rate
The ongoing purchase interest rate is the rate that applies to purchases after any applicable introductory period finishes.
~~ The ongoing balance transfer rate
The ongoing balance transfer rate is the rate that applies after the introductory period finishes.
† Cash advance rate
Cash advance rate applies to online transfers and using your credit card to withdraw cash.
†† Foreign transaction fees
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 or overseas ATM fees apply for Platinum or World customers. Other fees and charges may apply, including Overseas ATM operator and local non-bank ATM operators may charge a fee.
¶¶ Late payment admin fee
When the minimum payment is not processed by the due date. This includes any amount shown on your card account statement as 'amount due immediately'.
Bankwest acknowledges the Traditional Owners of the lands across Australia as the continuing custodians of Country and Culture. We pay our respect to First Nations peoples and their Elders, past and present.
Access the Terms of Use, Financial Services Guide and Target Market Determinations. Any advice given does not consider your objectives, financial situation or needs. Please consider the Product Disclosure Statement (PDS) and whether it is appropriate for you.
© Bankwest is a division of Commonwealth Bank of Australia ABN 48 123 123 124 AFSL / Australian credit licence 234945.