Westpac Flex Card

Offers no interest charges ever, with a $10 monthly fee that’s waived when you pay the previous month's balance on time.

The Westpac Flex Card gives you a simple alternative to traditional credit cards and buy now pay later (BNPL) plans. It charges 0% interest, $0 late payment fees and 0% foreign transaction fees. It’s also available as a digital card in the Westpac app so you can use it as soon as your application is approved.

0% p.a.

Purchase rate

$120 p.a.

Annual fee

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Product NameWestpac Flex Card
Purchase rate0% p.a.
Annual fee$120
Interest-free period
Min credit limit$1,000
Max credit limit$1,000
Card typeMastercard
Foreign currency conversion fee0%


  • Repayments are automatically direct debited
  • Access to Westpac Rewards & Extras
  • Digital card activated immediately upon approval


  • No cash advances or balance transfers
  • Maximum credit limit of $1,000
Bonus pointsN/A
Annual fee$120
Minimum monthly repayment$40 per transaction
Late payment fee$0
Foreign currency conversion fee0%

Review by

Amy Bradney-George has been writing about personal finance for more than 13 years – including over 600 articles as a senior writer for Finder. Her work has also appeared in publications including Money Magazine, The Sydney Morning Herald, Financy, ABC News Australia and Equity Magazine. Amy has a Bachelor of Arts in Journalism and Drama from Griffith University.

Expert review

The Westpac Flex Card is 1 of only 3 no interest credit cards in Australia, charging a flat $10 monthly fee that’s waived when you pay off the balance by the due date on your monthly statement. It has a low $1,000 credit limit suited to people who want to keep an eye on their spending.

How to apply

You can apply for the Westpac Flex Card in around 10 minutes by filling in a secure application form on the Westpac website. To get started, make sure you meet the following eligibility criteria:

Eligibility criteria

  • Regular income. You must have a regular income that Westpac can verify.
  • Australian residency status. You can apply if you're an Australian citizen or have a permanent residency visa. You'll also need a permanent residential address in Australia.

Card benefits

  • No interest. This credit card does not charge interest, ever.
  • Digital card. The Westpac Flex Card will be added to your Westpac app once your application is approved. You can also add it to your Apple Pay, Google Pay or Samsung Pay mobile wallet – or to a fitness tracker that has Fitbit Pay or Garmin Pay. You can also request a plastic card if you want one for your physical wallet.

Rates and fees

  • Monthly fee. The Westpac Flex Card charges a $10 monthly fee, which is waived if you pay the closing balance by the due date on each statement.
  • Minimum repayments. You'll need to pay at least $40 by the due date on each statement to keep using the card. You can choose your repayment frequency, either once or twice monthly.

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