For a limited time, get 0% p.a. for 12 months on purchases.
After the intro period, get an ongoing purchase rate. 1
Limited time, new Breeze Mastercard® customers only. 2% balance transfer fee, plus other fees and charges, T&Cs apply. 1
Access exclusive benefits, our lowest ongoing rate, and simplify your banking with a Breeze Mastercard.
12.99%
p.a.
Purchase rate
$49
Annual fee
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).
Check your eligibility
Already started? Resume your application.
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.
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.
Think about closing your old credit card – this can help avoid unnecessary fees and will stop you from accruing more debt on that card.
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.
There’s more to a balance transfer offer than a great interest rate. Make sure you understand:
If your priority is debt consolidation, you might want to consider a debt consolidation loan.
Breeze Mastercard introductory offer:
Introductory balance transfer rate offer and introductory purchase rate offer is only available to new Bankwest Breeze Mastercard customers who apply from 10 November 2023 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:
Complimentary overseas travel insurance provides base cover only and limitations, exclusions and eligibility criteria apply. See the Credit Card Insurances Product Disclosure Statement and Information Booklet (PDF) for details.
Coronavirus (COVID-19)
COVID-19 cover under the Overseas Emergency Medical and Hospital Expenses benefit is now included for travellers whose journey commenced on or after 24 August 2022. If you have purchased any upgraded cover before 24 August, regardless of the date travel commences, COVID-19 cover is not included under Overseas Emergency Medical and Hospital Expenses benefit. There is no COVID-19 cover for cruise travel or cancellation claims related to COVID-19. Terms and conditions apply.
There is no cover under any other benefit for claims related to COVID-19 for all destinations. For more information please refer to the Credit Card Insurance PDS (PDF).
Bankwest Apple Pay Terms of Use apply. Apple, the Apple logo and Apple Pay are trademarks of Apple Inc. App Store is a service mark of Apple Inc.
Terms of Use apply to the use of Google Pay. Android, Google Pay, Google Play and the Google Play logo are trademarks of Google LLC.
Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.