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The important numbers

Monthly card fee $10. No outstanding balance? No fee.
Interest rate 0%
Cash advances N/A
Maximum credit limit $1,000

New cards only

What you'll get

  • 0% interest on purchases
  • Choice of monthly or twice monthly automated repayments
  • No fees on foreign transactions (including for online purchases)
  • No late payment fees (though monthly card fee will still be charged)


  • The card fees could work out higher than those of the low rate and Low Fee cards, if you don't regularly repay your balance on time
  • You can’t make cash advances (including cash withdrawals)
  • There’s no access to our SmartPlan repayment plan that splits your credit card repayments into manageable instalments
  • You can’t transfer balances from other credit cards or store cards
  • No rewards points or complimentary insurances
  • No access to PartPay (a feature allowing you to split purchases into 4 payments over 6 weeks) ​

Make sure you're eligible

Monthly income over $1,500

From the same verifiable source, within Australia, for at least the last three months

Regular payments

You're up-to-date with your regular payments (rent, phone, other credit cards or loans including afterpay etc.)

No recent Flex applications

Please wait at least 90 days before reapplying

Other eligibility criteria

  • You're aged 18 or over
  • You're an Australian citizen or permanent resident
  • You have a fixed residential address in Australia
  • You have an eligible Australian bank account.

Before continuing

A final check that this is the right credit option for you. Credit cards are a secure payment method for short-term borrowing needs such as everyday purchases or unplanned expenses, with some cards offering additional features like rewards. However, there are instances where it might be worth considering another form of credit:

  • You have a longer-term or specific borrowing need, like a car or home renovations. In this case, view our Personal loans
  • You want a repayment schedule with fixed repayments and a defined loan end-date. In this case, view our Personal loans
  • You need ongoing help with short-term cashflow (and if applying online, already have a Westpac Home Loan, or paid your income into one of our transaction or savings accounts for over six months). In this case, view our Flexi Loan.
Things you should know

Credit criteria, fees and charges apply. Credit Card Product Switches, upgrades or Westpac group staff are ineligible.

Be credit savvy: Before applying, consider the credit limit and check all conditions, fees and charges on your selected card.

Monthly fee waiver: Flex Card has a flat Monthly Fee. The Monthly Fee is charged to your Flex Card Account each month and once it is charged it forms part of your balance. This Monthly Fee will, subject to the Flex Card Terms and Conditions, be waived if you pay off the Closing Balance shown on your previous statement by the payment due date shown on your statement.

Mastercard® is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.