Latest Information
The Westpac Flex Card is no longer available for sale. Here's a full list of our available credit cards.
If you currently have a Westpac Flex Card, nothing has changed. All benefits, features and fees outlined on this page still apply.
Flex Card is a simple, affordable and interest-free card that makes it easy to pay for the unexpected as well as the things you want. And, best of all, it’s accepted everywhere – both in-store and online.
The important numbers
The Westpac Flex Card offers existing cardholders:
- 0% Interest
- $1,000 credit limit
- $10 monthly fee, or no outstanding balance, $0 fee (A flat $10 fee will only be charged at the end of the month if you have not paid your outstanding balance on your previous statement in full by the due date).
- $0 late payment fees
- Wide Acceptance (at any merchant who accepts Mastercard)
- Choose to repay monthly or twice a month, plus pay back more at any time.
- Enjoy fraud protection.
- Access to Westpac Extras and Rewards.
- Minimum monthly repayment of $40.
What fees apply to this card?
| Variable interest rate on purchases | 0% p.a. |
| Cash advance fee | Cash advances not available |
| Monthly fee | $10 monthly fee, or no outstanding balance, $0 fee (A flat $10 fee will only be charged at the end of the month if you have not paid your outstanding balance on your previous statement in full by the due date). |
| Foreign transaction fee | $0 |
| Non-Westpac Group ATM fee | Although not a Westpac fee, using your card in a non-Westpac Group ATM may result in a charge to you. Avoid this fee by using one of Westpac’s extensive network of 2,900 ATMS across Australia (including any St.George, BankSA and Bank of Melbourne ATMs). Find a Westpac Group ATM |
| Credit card surcharge | In some instances, businesses may administer a ‘surcharge’ for credit card payments. Usually, these are a percentage fee of your purchase amount. Ask the merchant if a surcharge applies and how much it is before paying if you’re unsure. |
Things you should know
Credit criteria, fees and charges apply. Credit Card Product Switches, upgrades or Westpac group staff are ineligible.
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.
Read the Apple Pay Terms and Conditions (PDF 42KB) before making a decision and consider if it is right for you. To use Apple Pay you will need an eligible card and a compatible device with a supported operating system. See our Apple Pay FAQs for more information. Apple, the Apple logo, Apple Pay, Apple Watch and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.
Mastercard® is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.