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Westpac Credit Cards

Westpac Flex Card

Updated 13 February 2024

The Westpac Flex Credit Card is a no interest credit card that offers access to Westpac Extras and Rewards. You’ll pay no late or foreign transaction fees ever; there’s just a $10 monthly fee when you have an outstanding balance. Only available to existing Westpac customers.

Points Earn Rate (per $1 spent)

Rewards Program

Bonus Points


Pros and cons

  • No fees when you don’t use the card
  • No interest charges
  • No late payment fees
  • No foreign transaction fees
  • Access to Westpac Extras and Rewards

  • Low credit limit of $1,000
  • No cash advances or balance transfers review

Editor Review

Westpac Flex Card

Pauline Hatch
Pauline is a personal finance expert at, with 8 years in money, budgeting and property reporting under her belt. about this card.

Westpac Flex Card

The Westpac Flex works similarly to Buy Now Pay Later (BNPL) products such as Afterpay, where you make fixed repayments to your balance over a set period of time. You can choose whether to make the repayments monthly or fortnightly. If you want to pay more you can do that too.

If you’re approved, you’ll also get an instant card in your digital wallet that you can use with Google Pay, Apple Pay, Samsung Pay, Garmin Pay and Fitbit.

If you’re a savvy online shopper, you’ll also love no foreign transaction fees, but the low credit limit may not be great for travellers.

Why should you choose this card?

Build your credit

If you’ve been using other BNPL services and want to start building your credit history this card could be for you. Services like Afterpay don’t affect your credit, so keeping up with your payments won’t help your score. But if you miss a payment your score can be negatively affected.

With the Westpac Flex your payment history is recorded, which can be great for your credit score. The Flex Credit Card lets you set up auto-repayments to the minimum monthly repayment too, so you don’t have to worry about remembering to pay your balance.


Also, you’ll join the Westpac Extras and Rewards program which gives you access to special offers, discounts or cashback in your account.

Low cost

You will only pay a fee with this card if you have an outstanding balance, which is a $10 monthly fee. You can avoid all fees by repaying your balance in full and making repayments on time. You also won’t be charged for spending in a foreign currency on this card which makes it a great option to shop online.

What’s not so great...

The Flexi Card only comes with a low credit limit of $1,000, but if you’re making small purchases this card could be a viable alternative to the BNPL offers in the market. If your balance is $0 there are no fees, but you will be charged a $10 monthly fee when you have an outstanding balance.

Our verdict

If you are looking for a low cost, no-frills credit card, this is a good option for you. You can also benefit from Westpac Rewards when you spend. However, there is not much to differentiate this card from other no interest credit cards, like the NAB Straight Up and the CommBank Neo. It will come down to your rewards program preference.

User reviews

Westpac Flex Card ( based on 3 user reviews )

57% rating based on 3 reviews

Customer Service


30 June 2023

I live abroad and the flex card is my go to food shopping card. 0 foreign fees. Great card only problem is the 1000$ limit 2000$ would be nice.

Recommends this card


9 April 2022


Recommends this card

Rates and fees

Interest rates

Purchase rate 0% p.a.

Cash advance rate N/A

Interest free period on purchases N/A

Credit limits

Minimum credit limit $1,000

Maximum credit limit $1,000

Fees & repayments

Annual fee $0 p.a.

Additional cardholder fee N/A

Foreign transaction fee 0

Minimum repayment 2% or $10 whichever is greater (personal); 3% or $10 whichever is greater (business); $40 (Westpac Flex)

Cash advance fee N/A

Late payment fee $0

Rewards and points

Rewards program

Rewards Program N/A

Bonus points N/A

Annual points cap uncapped

Bonus points spend criteria N/A

Earning points with this card

Points cap per month N/A

Additional features

Complimentary insurance

International Travel Insurance No

Flight Inconvenience Insurance No

Transit Accident Insurance No

Smartphone Screen Insurance No

Purchase Protection Insurance No

Extended Warranty Insurance No

Rental Vehicle Excess In Australia Insurance No


Unauthorised transaction insurance


Westpac Flex Card

Key features

  • Zero fees when you don’t use the card
  • Zero interest charges
  • Zero late payment fees
  • Zero foreign transaction fees
  • Access to Westpac Extras and Rewards

Minimum criteria to apply for this card

  • Be over 18 years old

  • Good Credit and have not applied for multiple credit cards recently

  • You must be an Australian citizen or have a permanent residency visa

  • You have your personal details ready to complete the online application


Pauline is a personal finance expert at, with 8 years in money, budgeting and property reporting under her belt. Pauline is passionate about seeing Aussies win by making their money – and their credit cards – work smarter, harder and bigger

Recently Asked Questions

Something you need to know about this card? Ask our credit card expert a question.

7 questions (showing the latest 10 Q&As)



7 August 2023
Hi, So withdrawing from overseas ATM will not have any fees? or any purchases overseas Thanks in advance
    Pauline -


    8 August 2023
    Hi Detroit, good question! With the Westpac Flex card, you’ll get no foreign transaction fees on purchases but you're not able to make cash withdrawals/advances or balance transfers. However, there are various other credit cards that provide low cash advance rates (as low as a cash advance can be). You’ll also get charged foreign transaction fees, cash advance fees and the cash advance rate of interest.


26 July 2023
Is the $1000 credit limit per month or per day?
    Pauline -


    1 August 2023
    Hi Zena, good question! The $1000 credit limit is typically the total amount you can spend using your credit card at any given time, not just for one day or one month. It's the maximum balance you can have on your card before you need to pay off some of it to free up more credit. Whether you spend $1000 in one day or over the course of a month, you shouldn't exceed the credit limit. You can read more about credit limits here. Hope this helps!
Dudley Shillingsworth

Dudley Shillingsworth

9 March 2023
I want to go for a Westpac flex card
    Pauline -


    9 March 2023
    Hi Dudley, unfortunately, we’re currently not partnered with the Westpac Flex Card. But the good news is you can visit their official website to apply. Additionally, you can also check out some of the other low interest credit cards if you’re looking to not pay interest on your purchases.
Sharni Jade Humphrys

Sharni Jade Humphrys

27 January 2023
i want to apply for the Westpac Flex card
    Pauline -


    30 January 2023
    Hi Sharni, unfortunately we don’t have an active partnership with the Westpac Flex card. You can go to the official Westpac website to apply.


2 December 2022
I try to retrieve for flex card but show me have technical issue how I gonna do?
    Pauline -


    5 December 2022
    Hi Bew, you can reach Westpac directly at 132 032 for them to check this and assist you.
Julie Brooks

Julie Brooks

30 November 2022
Hi I received a email saying that a westpac flex credit card had been approved for me, what do I do now
    Pauline -


    30 November 2022
    Hi Julie, congratulations on the card approval! It’s best to reach out to Westpac directly at 132 032 for the next steps, or keep an eye out for any snail mail that has the card!
Ann elizabeth Kerwin

Ann elizabeth Kerwin

5 July 2022
can i easily use wespac flex travel card in france in september 2022
    Pauline -


    6 July 2022
    Hi there! The Westpac flex is powered by Mastercard, so whenever you see a Mastercard logo, you’ll be able to use your card. Enjoy your trip!
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