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Important Notice: Westpac Flex Card No Longer Available for New Customers
As of 23 April 2025, the Westpac Flex Card has been officially discontinued for new applicants. Westpac has confirmed that this product is no longer for sale. However, existing Flex Card holders can continue to use their card with no changes to its features or fees.
This article is provided for informational and comparison purposes only, especially for users who currently hold the card or are looking for low-cost credit card alternatives in Australia.
For the most up-to-date offers, we recommend checking Westpac’s current credit card range or exploring similar low-fee options available today.
Looking for similar cards? Check these out:
- NAB Low Fee Card – Ideal for budget-conscious users, with a low annual fee and no interest-free gimmicks.
- HSBC Low Rate Credit Card – Offers one of the lowest purchase rates in Australia, perfect for everyday expenses.
- CommBank Low Fee Card – A simple, reliable card from a Big Four bank, with flexible repayment options and low fees.
In the ever-changing world of personal finance, Australians are always on the lookout for better ways to manage their money. Between rising living costs, budgeting apps, and digital wallets, one thing remains clear: we want smarter, simpler tools. That’s where the Westpac Flex Card steps in.
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This interest-free credit card is designed for those who value flexibility, low fees and digital convenience. But is it really worth signing up for? Check it out! Here we break down everything you need to know before exploring this new way to spend.
What Are the Benefits of the Westpac Flex Card?
1. No Interest, Ever
Let’s start with the headliner: zero interest. Unlike traditional credit cards that charge interest on unpaid balances, the Flex Card doesn’t. You’ll pay a simple monthly fee instead. It’s a great option for those who prefer predictable payments and want to avoid nasty surprises on their statement.
2. Simple Monthly Fee
You’ll be charged a flat $10 monthly fee, but here’s the kicker — if you pay off your balance in full the previous month, that fee is waived. It’s a neat little reward for managing your money responsibly.
3. Fully Digital and Ready to Use
Once approved, your Flex Card is ready to go digitally. You can use it straight away through Apple Pay, Google Pay or Samsung Pay. No need to wait for the plastic card to arrive in the post.
4. Control and Transparency
Everything is managed through the Westpac mobile app, where you can see your transactions in real-time, manage your repayments, and get alerts. It’s a modern approach that puts you in the driver’s seat.
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5. No Late Payment Fees
Yep, you read that right. No late payment fees. Life gets busy, and Westpac seems to understand that. While you should still aim to pay on time, it’s nice to know you won’t get stung for being a bit late.
Things to Keep in Mind Before Applying
While the Flex Card offers solid perks, there are a few things you should consider before diving in.
You Must Bank with Westpac
This card is only available to existing Westpac customers who receive their main income into a Westpac account. So if you bank elsewhere, you’ll need to switch or choose another option.
No Cash Advances or Balance Transfers
The Flex Card is strictly for purchases. That means no cash advances or balance transfers are allowed. If you’re after a card for emergencies or debt consolidation, this one won’t suit.
Fixed Credit Limit
The Flex Card comes with a fixed $1,000 credit limit. For some, that’s perfect to stay in control. But if you need higher spending power, you’ll want to look elsewhere.
Fees and Charges Explained
The Westpac Flex Card keeps things simple, and that includes its fee structure. Here’s what you need to know:
- Monthly fee: $10 (waived if previous month’s closing balance is paid in full)
- Interest rate: 0% p.a. (there is no interest charged)
- Late payment fee: $0
- Foreign transaction fees: Not specified, but check with Westpac if you plan to travel or shop internationally
- Other fees: No annual fee, no cash advance fee (because they’re not available)
Overall, it’s a very low-fee product designed to be straightforward.
How to Apply for the Westpac Flex Card
Applying is a breeze, especially if you’re already with Westpac. Here’s the step-by-step:
Step 1: Check Eligibility
Make sure you:
- Are at least 18 years old
- Are an Australian resident
- Receive your main income into a Westpac account
Step 2: Apply via the Westpac App or Website
Via app:
- Download the Westpac app on your smartphone:
- Open and log in to your account.
- Tap the menu and select Products.
- Navigate to Credit Cards, choose the Flex Card and tap Apply Now.
- Follow the on-screen instructions to complete your application.
- You will need to confirm your personal details, income and accept the terms.
Via website:
- Visit the official Westpac Flex Card page.
- Click “Already with Westpac? Sign in to apply”
- Log in using your Westpac Online Banking credentials.
- You will be guided through the same application steps as on the app: review your details, confirm eligibility and submit the form.
Step 3: Receive Instant Decision and Start Spending
Once approved, your digital card is available instantly in your app. Add it to your digital wallet and start tapping.
Contact Information
Need a hand or got a question? Westpac offers several ways to get in touch:
- Customer support: 1300 651 089 (Monday to Friday, 8am – 8pm AEST)
- Website: westpac.com.au
- Visit a branch: Find your nearest Westpac branch if you prefer a face-to-face chat
Frequently Asked Questions
1. Can I get a Flex Card if I don’t bank with Westpac?
No. The Flex Card is currently only available to customers who get their main income paid into a Westpac account.
2. Will I pay interest if I don’t repay in full?
No, the card charges no interest at all. Instead, you’ll pay a $10 monthly fee unless you’ve paid your balance off completely the month before.
3. What happens if I miss a payment?
There’s no late fee, but your balance will roll over and the $10 monthly fee will apply. It’s still important to stay on top of your payments.
4. Can I increase my credit limit?
No, the Flex Card has a fixed $1,000 credit limit and it cannot be increased.
5. Does the card come with any rewards?
No, the Flex Card doesn’t offer points or cashback. Its main appeal is simplicity and no interest.
Final Thought: If you’re looking for a simple, low-maintenance credit card that skips the interest and keeps fees transparent, the Westpac Flex Card might just be your cup of tea. It’s not for everyone, but for digital-savvy Aussies who already bank with Westpac and want tighter control over their spending, it ticks a lot of boxes.
And hey, in a world where credit cards can get complicated fast, there’s something refreshing about keeping it simple.
