How to apply for your Breeze Classic Mastercard

The Breeze Classic Mastercard offers competitive interest rates, with 12.99% p.a. on purchases and 0% p.a. for 24 months on balance transfers. Annual fee of $49.

Talita Melz March 31, 2025 April 9, 2025

The Bankwest Breeze Classic Mastercard offers a range of attractive benefits for those seeking an affordable and easy-to-manage credit card. One of its standout features is the low interest rate, which reduces costs for installment purchases. Another key benefit is the Easy Installment Plan, allowing purchases to be divided into fixed payments for better budget management.

For customers with the Complete Home Loan Package, the card offers the possibility of an annual fee waiver, making it an even more advantageous option for existing Bankwest clients.

In summary, the Bankwest Breeze Classic Mastercard combines competitive interest rates with flexible payment plans, making it an excellent choice for those seeking great cost-benefit value in a credit card.

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For customers seeking more exclusive benefits, Bankwest offers an upgraded option: the Bankwest Breeze Platinum Mastercard, which provides additional advantages including higher credit limits and premium benefits such as special offers and travel insurance coverage.

Card benefits

The classic version of the Breeze Mastercard offers several advantages, including:

Lower ongoing purchase rate: The continuous interest rate for purchases is 12.99% p.a. (per annum).
Interest-free period: You can enjoy up to 55 interest-free days on purchases if the balance is paid within the established period.
Balance transfers with promotional interest rate: 0% p.a. for 24 months on balance transfers, with a 3% balance transfer fee.
Travel insurance: Does not include free overseas travel insurance.
Foreign transaction fee: The fee for overseas transactions is 2.95% of the transaction amount.
Cash advance: The cash advance rate is 21.99% p.a., with an additional fee of 3% or $4 (whichever is greater) on the withdrawn amount.

As already said, this card is a good option for those looking for a lower annual cost, although it offers fewer benefits than the Platinum version, such as travel insurance and exemption from fees for transactions abroad.

Eligibility requirements

The application process for this card requires you to fulfill e conditions.

Be at least 18 years old.
Be a permanent Australian resident.

In addition, having an income and a good credit history can improve your chances of getting a card.

About Bankwest

The banking institution Bankwest was established in 1895 and has maintained its position as an organization delivering trustworthy banking services while focusing on customer satisfaction for 130 years. Since its inception for agricultural assistance in Western Australia the bank developed into a reputable financial institution that now caters to people and businesses throughout the country.

The banking network of Commonwealth Bank Group enables Bankwest to provide financial solutions with the stability of a major institution together with modern banking products. Bankwest provides customers with different banking services that cover savings accounts along with transaction accounts and home loans in addition to personal loans and credit cards but also offers business banking options.

Who should get this card?

Breeze Classic Mastercard is ideal for those looking for an affordable card with one of the lowest ongoing purchase rates. With an annual fee of $49, it’s designed for customers who want to save on maintenance costs while enjoying up to 55 interest-free days on purchases.

It’s also a good option for those looking to consolidate debt, offering 0% p.a. for 24 months on balance transfers with a 3% fee. However, it charges a 2.95% fee on foreign transactions, making it less advantageous for frequent international shoppers. The card also doesn’t include benefits like free travel insurance, which is only available on the Platinum version.

Therefore, it’s best suited for those who prioritize a basic, economical card without extra benefits, but with reduced costs and good terms for everyday use.

How to apply for the card

To apply for the Breeze Classic Mastercard, simply access Bankwest’s official website or use the app. On the website, select the “Apply Now” option to start the application process by filling out the available form.

You’ll need to provide identification documents such as a driver’s license or Australian passport, along with income verification documents. You’ll also need to provide details about your employment, including length of service and employer contact information, as well as information about your income, expenses, assets, loans and other credit cards. After submission, just wait for approval, which will be communicated via email.

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How to unlock the card

There are a few ways to activate your card:

Call the Bankwest activation line.
Users can start the activation process via the Bankwest mobile apps.
Customers can visit a Bankwest branch to activate their card manually.

Pros and Cons of the Breeze Classic Mastercard

Pros:

Low ongoing purchase rate: 12.99% p.a., making it a budget-friendly option for carrying a balance.
Up to 55 days interest-free: Helps manage short-term expenses without paying interest if the balance is cleared on time.
Balance transfer offer: 0% p.a. for 24 months on balance transfers (with a 3% transfer fee), making it useful for debt consolidation.
Affordable annual fee: $49 per year, lower than many premium cards.
Eligibility for the Complete Home Loan Package: Can be included in a mortgage bundle for additional savings.

Cons:

Foreign transaction fees: A 2.95% fee applies to international purchases, making it less ideal for frequent travelers or online shoppers using foreign currencies.
No rewards program: Does not earn points or cashback, which might be a drawback for those looking to maximize spending benefits.
Limited perks: Unlike the Platinum version, it lacks complimentary travel insurance and extended warranty coverage.
Cash advance fee: 3% of the transaction amount or $4 (whichever is higher), with a high 21.99% p.a. interest rate on cash advances.

Verdict:

The Breeze Classic Mastercard is a great choice for those seeking a low-cost credit card with a competitive interest rate, especially for everyday spending and balance transfers. However, it lacks rewards and premium travel benefits, making it less attractive for frequent travelers or those who want extra perks.

Key features: fees

These fees make the card an affordable option for those seeking a low purchase rate, but it’s not ideal for international purchases or cash advances. The Breeze Classic Mastercard has the following fees:

Annual fee: $49.
Purchase interest rate: 12.99% p.a.
Balance transfer rate: 0% p.a. for 24 months (then 12.99% p.a.), with a 3% transfer fee.
Cash advance rate: 21.99% p.a., plus an additional fee of 3% of the transaction amount or $4 (whichever is higher).
Foreign transaction fee: 2.95% of the purchase amount.
Paper statement fee: S$1.25 per statement (can be avoided with electronic statements).
Late payment fee: $25 per statement period.