{"id":8029,"date":"2025-02-04T21:59:40","date_gmt":"2025-02-04T21:59:40","guid":{"rendered":"https:\/\/www.nerdwallet.com\/au\/?page_id=8029"},"modified":"2025-02-04T21:59:43","modified_gmt":"2025-02-04T21:59:43","slug":"westpac-flex-card-overview","status":"publish","type":"page","link":"https:\/\/www.nerdwallet.com\/au\/credit-cards\/westpac-flex-card-overview","title":{"rendered":"Westpac Flex Card Overview 2025\u00a0"},"content":{"rendered":"\n<div class=\"wp-block-group alignfull has-lightest-blue-background-color has-background is-layout-constrained wp-block-group-is-layout-constrained\">\n<div style=\"margin-top:var(--wp--preset--spacing--50);margin-bottom:var(--wp--preset--spacing--20);\" class=\"nw-block nw-block-product-card wp-block-nerdwallet-blocks-product-card\">\n\t\n<div\n\tclass=\"nwb-product-card c-keto-product-card__wrapper pc__layout-v2 offer-id__5560\"\n\tid=\"westpac-flex-card\"\n\t>\n\t\n\n\t\n\n\t<div class=\"in__body\">\n\t\t\t\t\t<div class=\"in__logo-wrapper\">\n\t\t\t\t<img loading=\"lazy\" width=\"329\" height=\"209\" decoding=\"async\" src=\"https:\/\/www.nerdwallet.com\/au\/wp-content\/uploads\/sites\/3\/2023\/11\/westpac-flex-card.png\" class=\"in__logo\" alt=\"Westpac Flex Card\" srcset=\"https:\/\/www.nerdwallet.com\/au\/wp-content\/uploads\/sites\/3\/2023\/11\/westpac-flex-card.png 329w, https:\/\/www.nerdwallet.com\/au\/wp-content\/uploads\/sites\/3\/2023\/11\/westpac-flex-card-300x191.png 300w, https:\/\/www.nerdwallet.com\/au\/wp-content\/uploads\/sites\/3\/2023\/11\/westpac-flex-card-276x175.png 276w, https:\/\/www.nerdwallet.com\/au\/wp-content\/uploads\/sites\/3\/2023\/11\/westpac-flex-card-100x64.png 100w, https:\/\/www.nerdwallet.com\/au\/wp-content\/uploads\/sites\/3\/2023\/11\/westpac-flex-card-40x25.png 40w, https:\/\/www.nerdwallet.com\/au\/wp-content\/uploads\/sites\/3\/2023\/11\/westpac-flex-card-150x95.png 150w\" sizes=\"(max-width: 329px) 100vw, 329px\" \/>\t\t\t<\/div>\n\t\t\t\t<div class=\"in__content\">\n\t\t\t<div class=\"in__header\">\n\t\t\t\t\n\t\t\t\t<h3 id=\"westpac-flex-card\"  class=\"in__title\">Westpac Flex Card<\/h3>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\n<div class=\"drivers-columns-layout drivers-content drivers-columns drivers-columns-4 wp-block-nerdwallet-blocks-product-card-driver\" data-nw-product-driver-5453=\"Up to $120\" data-nw-product-driver-5459=\"Flat monthly fee\" data-nw-product-driver-5465=\"N\/A\" data-nw-product-driver-5471=\"N\/A\">\n\t<div><label>Annual Fee<\/label><a class=\"nw-tooltip\" title=\"A $10 monthly 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.\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"15\" height=\"15\" aria-hidden=\"true\" focusable=\"false\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M140,180a12,12,0,1,1-12-12A12,12,0,0,1,140,180ZM128,72c-22.06,0-40,16.15-40,36v4a8,8,0,0,0,16,0v-4c0-11,10.77-20,24-20s24,9,24,20-10.77,20-24,20a8,8,0,0,0-8,8v8a8,8,0,0,0,16,0v-.72c18.24-3.35,32-17.9,32-35.28C168,88.15,150.06,72,128,72Zm104,56A104,104,0,1,1,128,24,104.11,104.11,0,0,1,232,128Zm-16,0a88,88,0,1,0-88,88A88.1,88.1,0,0,0,216,128Z\"><\/path><\/svg><\/a>\n<br>Up to $120<\/div><div><label>Purchase Rate<\/label><a class=\"nw-tooltip\" title=\"0% interest. However, a flat $10 fee will 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.\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"15\" height=\"15\" aria-hidden=\"true\" focusable=\"false\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M140,180a12,12,0,1,1-12-12A12,12,0,0,1,140,180ZM128,72c-22.06,0-40,16.15-40,36v4a8,8,0,0,0,16,0v-4c0-11,10.77-20,24-20s24,9,24,20-10.77,20-24,20a8,8,0,0,0-8,8v8a8,8,0,0,0,16,0v-.72c18.24-3.35,32-17.9,32-35.28C168,88.15,150.06,72,128,72Zm104,56A104,104,0,1,1,128,24,104.11,104.11,0,0,1,232,128Zm-16,0a88,88,0,1,0-88,88A88.1,88.1,0,0,0,216,128Z\"><\/path><\/svg><\/a>\n<br>Flat monthly fee<\/div><div><label>Rewards Rate<\/label>\n<br>N\/A<\/div><div><label>Intro Offer<\/label>\n<br>N\/A<\/div><\/div>\n\n\n\n\n\t\t\t<div class=\"in__cta\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n<\/div>\n<\/div>\n\n\n\n<p class=\"\">The Flex Card is a no-frills digital card without interest charges, plus the small monthly fee can be waived. It has the lowest costs of all ten Westpac credit cards \u2014 as long as it\u2019s used responsibly and the balance is paid off in full before the next statement is due.&nbsp;<\/p>\n\n\n\n<p class=\"\">New applications must have their main income deposited into a Westpac account to apply for the Westpac Flex Card.<\/p>\n\n\n\t<div class=\"c-block-table-of-contents nw-table-of-contents wp-block-table-of-contents \">\n\t\t<div class=\"c-block-table-of-contents__table-wrapper c-block-table-of-contents--scrollable\">\n\t\t\t<h2 id=\"jump-to\"  class=\"c-block-table-of-contents__title\">Jump to<\/h2>\n\t\t\t<ul class=\"c-block-table-of-contents__links\">\n\t\t\t\t<li class=\"c-block-table-of-contents__link\"><a href=\"#details\">Fees, interest rates and other details<\/a><\/li><li class=\"c-block-table-of-contents__link\"><a href=\"#overview\">Basic overview<\/a><\/li><li class=\"c-block-table-of-contents__link\"><a href=\"#rewards\">Offers and rewards<\/a><\/li><li class=\"c-block-table-of-contents__link\"><a href=\"#eligibility\">Eligibility<\/a><\/li><li class=\"c-block-table-of-contents__link\"><a href=\"#how-to-submit-an-application\">How to submit an application<\/a><\/li><li class=\"c-block-table-of-contents__link\"><a href=\"#ratings\">Customer satisfaction ratings<\/a><\/li><li class=\"c-block-table-of-contents__link\"><a href=\"#article-sources\">Article Sources<\/a><\/li>\t\t\t<\/ul>\n\t\t\t<div class=\"c-block-table-of-contents__show-more--wrapper\">\n\t\t\t\t<span class=\"c-block-table-of-contents__show-more\">\n\t\t\t\t\t<label class=\"show-more-label\" for=\"c-block-table-of-contents__show-more\">Show more<\/label>\n\t\t\t\t\t<label class=\"hide-more-label\" for=\"c-block-table-of-contents__show-more\">Show less<\/label>\n\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"details\">Fees, interest rates and other details<\/h2>\n\n\n<div class=\"c-tablepress-table-wrapper\" style=\"overflow-x: auto;\">\n<table id=\"tablepress-53\" class=\"tablepress tablepress-id-53 slimtable\">\n<thead>\n<tr class=\"row-1 odd\">\n\t<th class=\"column-1\">Feature<\/th><th class=\"column-2\">Westpac Flex Card<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr class=\"row-2 even\">\n\t<td class=\"column-1\">Monthly fee<\/td><td class=\"column-2\">$0 (or $10 if you don\u2019t pay your balance off in full each billing cycle).<\/td>\n<\/tr>\n<tr class=\"row-3 odd\">\n\t<td class=\"column-1\">Purchase rate<\/td><td class=\"column-2\">None.<\/td>\n<\/tr>\n<tr class=\"row-4 even\">\n\t<td class=\"column-1\">Cash advance rate<\/td><td class=\"column-2\">Not offered.<\/td>\n<\/tr>\n<tr class=\"row-5 odd\">\n\t<td class=\"column-1\">Balance transfer rate<\/td><td class=\"column-2\">Not offered.<\/td>\n<\/tr>\n<tr class=\"row-6 even\">\n\t<td class=\"column-1\">Credit limit<\/td><td class=\"column-2\">$1,000.<\/td>\n<\/tr>\n<tr class=\"row-7 odd\">\n\t<td class=\"column-1\">Minimum repayment<\/td><td class=\"column-2\">$40, or paid in full if the closing balance is less than $40.<\/td>\n<\/tr>\n<tr class=\"row-8 even\">\n\t<td class=\"column-1\">Interest-free days on purchases<\/td><td class=\"column-2\">Not available.<\/td>\n<\/tr>\n<tr class=\"row-9 odd\">\n\t<td class=\"column-1\">Additional cardholders<\/td><td class=\"column-2\">Not available.<\/td>\n<\/tr>\n<tr class=\"row-10 even\">\n\t<td class=\"column-1\">Card network<\/td><td class=\"column-2\">Mastercard.<\/td>\n<\/tr>\n<tr class=\"row-11 odd\">\n\t<td class=\"column-1\">Intro offer<\/td><td class=\"column-2\">None.<\/td>\n<\/tr>\n<tr class=\"row-12 even\">\n\t<td class=\"column-1\">Rewards program<\/td><td class=\"column-2\">None, but the card comes with access to bonus cashback and offers via Westpac Extras, Westpac Rewards and the Westpac Lounge on ShopBack.<\/td>\n<\/tr>\n<tr class=\"row-13 odd\">\n\t<td class=\"column-1\">Included insurance<\/td><td class=\"column-2\">None.<\/td>\n<\/tr>\n<tr class=\"row-14 even\">\n\t<td class=\"column-1\">Benefits<\/td><td class=\"column-2\">\u2022 Earn bonus cashback when you shop via the Westpac Lounge on ShopBack. You must create a ShopBack account and link it to your Westpac card to earn.<br \/>\n\u2022 Get access to deals and discounts  through Westpac Extra and Westpac Rewards programs..<br \/>\n\u2022 Digital cards are instantly available for use once approved. (Physical cards are available upon request.)<br \/>\n\u2022 Digital CVC that refreshes every 24 hours to help reduce the risk of fraudulent activity.<br \/>\n\u2022 Compatible with Apple Pay, Samsung Pay and Google Pay digital wallets.<br \/>\n\u2022 Westpac Protect\u2122 SMS Code.<br \/>\n\u2022 Fraud Money Back Guarantee.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"overview\">Basic overview<\/h2>\n\n\n\n<p class=\"\">The Westpac Flex Card is a no-interest credit card with a $1,000 <a href=\"https:\/\/www.nerdwallet.com\/au\/credit-cards\/credit-card-limit\">credit limit<\/a>. It doesn\u2019t impose foreign transaction fees or charge late fees. You can start using the <a href=\"https:\/\/www.nerdwallet.com\/au\/credit-cards\/what-is-a-virtual-credit-card\">digital card<\/a> instantly if your application is approved.&nbsp;<\/p>\n\n\n\n<p class=\"\">While not a rewards card, the Flex Card does allow you to earn bonus cashback on eligible transactions through the ShopBack platform and claim Westpac Extras and Rewards offers.&nbsp;<\/p>\n\n\n\n<div class=\"wp-block-group has-lightest-green-background-color has-background is-layout-constrained wp-block-group-is-layout-constrained\" style=\"margin-top:var(--wp--preset--spacing--30);margin-bottom:var(--wp--preset--spacing--30);padding-top:var(--wp--preset--spacing--40);padding-right:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--40);padding-left:var(--wp--preset--spacing--30)\">\n<p class=\"\"><strong>Important: <\/strong>To use the Flex Card, you must set up Autopay, Westpac\u2019s <a href=\"https:\/\/www.nerdwallet.com\/au\/credit-cards\/direct-debit-credit-card-payments\">direct debit<\/a> service for automatic payments. You must be prepared with enough funds in your linked bank account to cover the minimum payment or closing balance when your statement is due. You may get hit with the $10 monthly fee if you don\u2019t pay your bill in full by the due date.<\/p>\n<\/div>\n\n\n\n<p class=\"\"><strong>\u00bb MORE:<\/strong> <a href=\"https:\/\/www.nerdwallet.com\/au\/credit-cards\/automatic-credit-card-payments\">Here&#8217;s what you should know before setting up automatic credit card payments<\/a><\/p>\n\n\n\n<h3 id=\"understanding-the-monthly-fee\"  class=\"wp-block-heading\" style=\"font-style:normal;font-weight:300\">Understanding the monthly fee<\/h3>\n\n\n\n<p class=\"\">Westpac will charge a $10 monthly fee if you do not <a href=\"https:\/\/www.nerdwallet.com\/au\/credit-cards\/how-to-pay-off-your-credit-card\">pay off the card\u2019s balance<\/a> in full every month. Over a year, this can add up to $120 \u2014 far more than what you might pay in interest on a regular low-rate credit card. For example, if you had a balance of $1,000 on a card with a 12% <a href=\"https:\/\/www.nerdwallet.com\/au\/credit-cards\/how-do-credit-card-interest-rates-work\">interest rate<\/a>, and paid $90 toward the balance each month, you\u2019d pay roughly $54 in interest by the end of the year. However, if you had a $1,000 balance on the Westpac Flex Card, and paid $90 toward the balance each month, you\u2019d incur the full $120 in monthly fees by the end of the year.&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"\">The best way to <a href=\"https:\/\/www.nerdwallet.com\/au\/credit-cards\/credit-card-fees-to-know-and-avoid\">avoid the monthly fee<\/a> is to pay off your balance in full every month.&nbsp;<br>If you cannot do this, you\u2019d need to spend enough via the ShopBack platform to earn $10 monthly cashback. But remember, you don\u2019t want to spend money unnecessarily just to save $10. Only take advantage of these <a href=\"https:\/\/www.nerdwallet.com\/au\/credit-cards\/what-is-a-cashback-credit-card\">cashback<\/a> offers when they make sense to your budget and needs.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"rewards\">Offers and rewards<\/h2>\n\n\n\n<div class=\"wp-block-group is-layout-constrained wp-block-group-is-layout-constrained\" style=\"margin-top:var(--wp--preset--spacing--30);margin-bottom:var(--wp--preset--spacing--30);padding-top:var(--wp--preset--spacing--30);padding-right:var(--wp--preset--spacing--50);padding-bottom:var(--wp--preset--spacing--30);padding-left:var(--wp--preset--spacing--50)\"><div class=\"c-block-tabs-wrapper \">\n\t<div role=\"tablist\" aria-label=\"Tabs\" class=\"c-block-tabs\">\n\t\t\t\t\t<div class=\"c-block-tabs__tab c-block-tabs__tab--active\"\n\t\t\t\t role=\"tab\"\n\t\t\t\t aria-selected=\"true\"\n\t\t\t\t aria-controls=\"0\"\n\t\t\t\t id=\"tab-0\"\n\t\t\t\t data-tabid=\"0\">Welcome offer<\/div>\n\t\t\t\t\t\t<div class=\"c-block-tabs__tab \"\n\t\t\t\t role=\"tab\"\n\t\t\t\t aria-selected=\"false\"\n\t\t\t\t aria-controls=\"1\"\n\t\t\t\t id=\"tab-1\"\n\t\t\t\t data-tabid=\"1\">Earning ShopBack cashback<\/div>\n\t\t\t\t\t\t<div class=\"c-block-tabs__tab \"\n\t\t\t\t role=\"tab\"\n\t\t\t\t aria-selected=\"false\"\n\t\t\t\t aria-controls=\"2\"\n\t\t\t\t id=\"tab-2\"\n\t\t\t\t data-tabid=\"2\">Redemption options<\/div>\n\t\t\t\t<\/div>\n\n\t<div class=\"c-block-tabs-all\">\n\t\t\n<div class=\"wp-block-nerdwallet-blocks-tabs\">\n<div class=\"wp-block-nerdwallet-blocks-tabs-content c-block-tabs-content\" data-tabid=\"0\" role=\"tabpanel\" aria-labelledby=\"tab-0\">\n<p class=\"\">The Westpac Flex Card does not have a welcome offer, as of this writing.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-nerdwallet-blocks-tabs-content c-block-tabs-content\" data-tabid=\"1\" role=\"tabpanel\" aria-labelledby=\"tab-1\">\n<p class=\"\">You can earn bonus cashback when you shop via the Westpac Lounge on ShopBack. To start earning, you must first create a ShopBack account online or via the Westpac mobile app.&nbsp;<\/p>\n\n\n\n<p class=\"\">Cashback offers vary depending on the item you purchase through ShopBack.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-nerdwallet-blocks-tabs-content c-block-tabs-content\" data-tabid=\"2\" role=\"tabpanel\" aria-labelledby=\"tab-2\">\n<p class=\"\">Any cash you earn back via the ShopBack platform is deposited into your ShopBack account within 90 days of the transaction. You can keep the cash in your account, or transfer it to a PayPal account or bank account.&nbsp;&nbsp;<\/p>\n<\/div>\n<\/div>\n\t<\/div>\n<\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"eligibility\">Eligibility<\/h2>\n\n\n\n<h3 id=\"who-may-be-eligible\"  class=\"wp-block-heading\" style=\"font-style:normal;font-weight:300\">Who may be eligible?<\/h3>\n\n\n\n<p class=\"\">This card is currently only available to existing Westpac customers. In addition, to apply for the Westpac Flex Card, you must:<\/p>\n\n\n\n<ul class=\"\">\n<li class=\"\">be at least 18 years of age or older<\/li>\n\n\n\n<li class=\"\">be an Australian citizen or permanent resident and have a residential address<\/li>\n\n\n\n<li class=\"\">have a regular income (verifiable for at least three months)<\/li>\n\n\n\n<li class=\"\">have an eligible Australian bank account<\/li>\n\n\n\n<li class=\"\">be up-to-date with all your regular payments, such as rent and phone bill<\/li>\n\n\n\n<li class=\"\">not have submitted an application for the Flex Card in the last 90 days&nbsp;<\/li>\n\n\n\n<li class=\"\">have your main income deposited into an eligible Westpac account.<\/li>\n<\/ul>\n\n\n\n<p class=\"\"><strong>\u00bb MORE:<\/strong> <a href=\"https:\/\/www.nerdwallet.com\/au\/credit-cards\/how-long-to-get-a-credit-card\">How long does it take to get a credit card?<\/a><\/p>\n\n\n\n<div class=\"wp-block-group has-lightest-blue-background-color has-background is-layout-constrained wp-block-group-is-layout-constrained\" style=\"margin-top:var(--wp--preset--spacing--30);margin-bottom:var(--wp--preset--spacing--30);padding-top:var(--wp--preset--spacing--30);padding-right:var(--wp--preset--spacing--50);padding-bottom:var(--wp--preset--spacing--30);padding-left:var(--wp--preset--spacing--50)\">\n<h3 id=\"who-might-be-suited-to-this-card\"  class=\"wp-block-heading\" style=\"font-style:normal;font-weight:300\">Who might be suited to this card?<\/h3>\n\n\n\n<p class=\"\">According to Westpac\u2019s Target Market Determination (TMD)<a href=\"#sources\" class=\"js-scroll-to\" rel=\"nofollow noopener noreferrer\" target=\"_self\">[1]<\/a>, this product may be suitable for applicants who:<\/p>\n\n\n\n<ul class=\"\">\n<li class=\"\">need a credit card that provides access to revolving credit<\/li>\n\n\n\n<li class=\"\">do not want to pay interest<\/li>\n\n\n\n<li class=\"\">want a $1,000 credit limit<\/li>\n\n\n\n<li class=\"\">want a card where no monthly fee is charged if the outstanding balance is paid in full by the due date<\/li>\n\n\n\n<li class=\"\">want a card with no late payment fees, no foreign transaction fees for online and overseas purchases<\/li>\n\n\n\n<li class=\"\">want a digital card<\/li>\n\n\n\n<li class=\"\">are able to meet repayment obligations.<\/li>\n<\/ul>\n\n\n\n<h3 id=\"who-might-not-be-suited-to-this-card\"  class=\"wp-block-heading\" style=\"font-style:normal;font-weight:300\">Who might not be suited to this card?<\/h3>\n\n\n\n<p class=\"\">Westpac\u2019s TMD states that this product may not be suitable for applicants who:<\/p>\n\n\n\n<ul class=\"\">\n<li class=\"\">are seeking a card that earns reward points and wants access to travel-related benefits<\/li>\n\n\n\n<li class=\"\">are seeking a card with features such as a balance transfer from one or multiple credit or store cards or want access to cash advance<\/li>\n\n\n\n<li class=\"\">have a longer-term or specific borrowing need.<\/li>\n<\/ul>\n<\/div>\n\n\n\n<h2 id=\"how-to-submit-an-application\"  class=\"wp-block-heading\">How to submit an application<\/h2>\n\n\n\n<p class=\"\">If you want to <a href=\"https:\/\/www.nerdwallet.com\/au\/credit-cards\/how-to-apply-for-a-credit-card\">submit a credit card application<\/a> for the Westpac Flex card online, make sure you meet all of the above eligibility requirements and have the following items handy before you start:<\/p>\n\n\n\n<ul class=\"\">\n<li class=\"\">two forms of identification, such as an Australian driver\u2019s licence and an Australian passport<\/li>\n\n\n\n<li class=\"\">online banking details<\/li>\n\n\n\n<li class=\"\">mobile phone number.&nbsp;<\/li>\n<\/ul>\n\n\n\n<p class=\"\">Once you\u2019re ready, sign in to your Westpac account to apply and follow the online prompts.<\/p>\n\n\n\n<p class=\"\"><strong>\u00bb MORE:<\/strong> <a href=\"https:\/\/www.nerdwallet.com\/au\/credit-cards\/first-credit-card\">9 things to know before getting your first credit card<\/a><\/p>\n\n\n\n<div class=\"wp-block-group has-background-yellow-background-color has-background is-layout-constrained wp-block-group-is-layout-constrained\" style=\"margin-top:var(--wp--preset--spacing--40);margin-bottom:0;padding-top:var(--wp--preset--spacing--30);padding-right:var(--wp--preset--spacing--40);padding-bottom:var(--wp--preset--spacing--30);padding-left:var(--wp--preset--spacing--40)\">\n<h2 class=\"wp-block-heading\" id=\"ratings\">Customer satisfaction ratings<\/h2>\n\n\n\n<p class=\"\"><em><strong>Note:<\/strong> Customer review websites can be insightful, but keep in mind that the reviews may not accurately reflect the average experience; for example, unhappy customers may be overrepresented in these reviews. Products also change over time, and reviews may reflect experiences with features and benefits that are no longer available. Nevertheless, these sites are one way to learn more about the company and the products on offer before you make a decision.&nbsp;<\/em><\/p>\n\n\n\n<p class=\"\">As of this writing: <\/p>\n\n\n\n<ul class=\"\">\n<li class=\"\">Based on over 260 <a href=\"https:\/\/www.trustpilot.com\/review\/www.westpac.com.au\">Trustpilot reviews<\/a>, Westpac scored: <strong>1.4 out of 5 stars.<\/strong><\/li>\n\n\n\n<li class=\"\">Based on over 1,640 <a href=\"https:\/\/www.productreview.com.au\/listings\/westpac\">Product Review ratings<\/a>, Westpac scored: <strong>1.3 out of 5 stars.<\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"\"><em>NerdWallet does not endorse the above scores or reviews and provides them for illustrative purposes only.<\/em><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-nerdwallet-blocks-faq c-block-faq\" id=\"faqs\" itemscope itemtype=\"https:\/\/schema.org\/FAQPage\"><div class=\"c-block-faq__wrapper\"><div class=\"c-block-faq__header\"><h2 id=\"\"  class=\"c-block-faq__title\"><\/h2><\/div><div class=\"c-block-faq__section-list\">\n<div class=\"wp-block-nerdwallet-blocks-faq-section\"><div class=\"c-block-faq-section c-block-accordion-wrapper\"><div class=\"c-block-accordion__header\"><h3 id=\"frequently-asked-questions\"  class=\"c-block-accordion__title\">Frequently asked questions<\/h3><\/div><div class=\"c-block-accordion-list\">\n<div class=\"c-block-faq-item c-block-accordion-item c-block-accordion-item--active\" itemscope itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"><div class=\"c-block-accordion-item__header\"><div class=\"c-block-accordion-item__title\" itemprop=\"name\">What is the credit limit on the Westpac Flex Card<\/div><\/div><div class=\"c-block-accordion-item__content\" itemscope itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\"><div class=\"wp-block-nerdwallet-blocks-faq-item\" itemprop=\"text\">\n<p class=\"\">The Westpac Flex Card has a credit limit of $1,000.&nbsp;<\/p>\n<\/div><div class=\"c-block-accordion-item__more-link\"><strong>\u00bb MORE: <\/strong><a href=\"https:\/\/www.nerdwallet.com\/au\/credit-cards\/credit-card-limit\" target=\"_self\" rel=\"noopener\">What is a credit limit?<\/a><\/div><\/div><\/div>\n\n\n\n<div class=\"c-block-faq-item c-block-accordion-item c-block-accordion-item--active\" itemscope itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"><div class=\"c-block-accordion-item__header\"><div class=\"c-block-accordion-item__title\" itemprop=\"name\">Does Westpac Flex Card have foreign transaction fees?<\/div><\/div><div class=\"c-block-accordion-item__content\" itemscope itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\"><div class=\"wp-block-nerdwallet-blocks-faq-item\" itemprop=\"text\">\n<p class=\"\">The Westpac Flex Card does not charge foreign transaction fees.<\/p>\n<\/div><div class=\"c-block-accordion-item__more-link\"><strong>\u00bb MORE: <\/strong><a href=\"https:\/\/www.nerdwallet.com\/au\/credit-cards\/using-credit-card-overseas\" target=\"_self\" rel=\"noopener\">How to use your credit card overseas<\/a><\/div><\/div><\/div>\n<\/div><\/div><\/div>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"c-block-citation wp-block-nerdwallet-blocks-accordion\" id=\"sources\">\n\t<div class=\"c-block-accordion-wrapper\">\n\t\t<div class=\"c-block-accordion__header\">\n\t\t\t<h2 id=\"article-sources\"  class=\"c-block-accordion__title\">\n\t\t\t\tArticle Sources\t\t\t<\/h2>\n\t\t<\/div>\n\t\t<div class=\"c-block-accordion-list\">\n\t\t\t<div class=\"c-block-accordion-item \">\n\t\t\t\t<div class=\"c-block-accordion-item__header\">\n\t\t\t\t\t<div class=\"c-block-accordion-item__title\">\n\t\t\t\t\t\tWorks Cited\t\t\t\t\t<\/div>\n\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"23\" height=\"23\" fill=\"\" viewBox=\"0 0 256 256\"><path d=\"M213.66,101.66l-80,80a8,8,0,0,1-11.32,0l-80-80A8,8,0,0,1,53.66,90.34L128,164.69l74.34-74.35a8,8,0,0,1,11.32,11.32Z\"><\/path><\/svg>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"c-block-accordion-item__content\">\n\t\t\t\t\t<div class=\"wp-block-nerdwallet-blocks-accordion-item\">\n\t\t\t\t\t\t<ol class=\"card-citation-lists\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"citation-list-item\">\n\t\t\t\t\t\t\t\t\t<div class=\"citation-list-item__wrapper\">\n\t\t\t\t\t\t\t\t\t\t<span>Westpac<\/span>, &#8220;<a href=\"https:\/\/www.assets.westpacgroup.com.au\/content\/dam\/public\/ddo\/wbc\/personal\/TMD-911119_0.2.pdf\" rel=\"nofollow noopener noreferrer\" target=\"_blank\">Westpac TMD Master Shell &#8211; Westpac Brand<\/a>,&#8221; accessed January 17, 2025.\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/ol>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n\n<div class=\"nwb-authors nwb-authors__footer wp-block-nerdwallet-blocks-authors-card\">\n\t<div class=\"nwb-authors__wrapper\">\n\t\t<h4 id=\"about-the-author\"  class=\"nwb-authors__title\">\n\t\t\tAbout the Author\t\t<\/h4>\n\n\t\t\t\t\t<div class=\"nwb-authors__content\">\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.nerdwallet.com\/au\/author\/georgia-rose\">\n\t\t\t\t\t\t<img\n\t\t\t\t\t\t\tclass=\"nwb-authors__image\"\n\t\t\t\t\t\t\tsrc=\"https:\/\/secure.gravatar.com\/avatar\/6b9e515bc45988c863ac8ac39e7bdd34?s=75&#038;d=mm&#038;r=g\"\n\t\t\t\t\t\t\twidth=\"120\" height=\"120\"\n\t\t\t\t\t\t\talt=\"Georgia Rose photo\"\n\t\t\t\t\t\t\/>\n\t\t\t\t\t<\/a>\n\t\t\t\t\n\t\t\t\t<div>\n\t\t\t\t\t<a href=\"https:\/\/www.nerdwallet.com\/au\/author\/georgia-rose\">\n\t\t\t\t\t\t<strong>Georgia Rose<\/strong>\n\t\t\t\t\t<\/a>\n\n\t\t\t\t\t<div class=\"nwb-authors__bio\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<p>Georgia Rose is a lead writer on the international team at NerdWallet. Her work has been featured in The Washington Post, The New York Times, The Independent and The Associated&hellip;<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.nerdwallet.com\/au\/author\/georgia-rose\" title=\"Read more about Georgia Rose\">\n\t\t\t\t\t\t\t<span>Read more about Georgia Rose and explore their articles<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t<\/div>\n<\/div>\n\n\n\n\t<section class=\"c-block-card-grid container\"\n\t\t\t>\n\t\t\t\t\t<h4 id=\"dive-even-deeper\"  class=\"c-block-card-grid__title\">\n\t\t\t\tDIVE EVEN DEEPER\t\t\t<\/h4>\n\t\t\n\t\t<div class=\"c-block-card-grid-scroll column-four\">\n\t\t\t<div class=\"c-block-card-grid-scroll__column\">\n<div id=\"post-4587\" class=\"c-block-card post-4587 page type-page status-publish has-post-thumbnail hentry content-classification-credit-cards topic-guide-to-credit-cards cluster-choosing-credit-cards\">\n\t<div class=\"c-block-card__inner c-block-card__inner--large\">\n\t\t\t<a class=\"c-block-card__image-wrapper\" href=\"https:\/\/www.nerdwallet.com\/au\/credit-cards\/pros-and-cons-of-credit-cards\" rel=\"bookmark\">\n\t\t<img loading=\"lazy\" width=\"460\" height=\"244\" decoding=\"async\" src=\"https:\/\/www.nerdwallet.com\/au\/wp-content\/uploads\/sites\/3\/2023\/09\/pros-and-cons-of-credit-cards-e1721670706617-460x244.jpg\" class=\"c-block-card__image wp-post-image\" alt=\"Pros and cons of using credit cards\" \/>\t<\/a><!-- .c-entry__thumbnail -->\n\t\t\t<div class=\"c-block-card__content-wrapper\">\n\t\t\t\n<h4 id=\"pros-and-cons-of-using-credit-cards\"  class=\"c-block-card__title\">\n\t<a href=\"https:\/\/www.nerdwallet.com\/au\/credit-cards\/pros-and-cons-of-credit-cards\" rel=\"bookmark\" class=\"c-block-card__title-link\">\n\t\tPros and cons of using credit cards\t<\/a>\n<\/h4>\n\n\t<div class=\"c-block-card__content\">\n\t\t<p>Whether shopping in-store or online, know the pros and cons of using credit cards to benefit from fraud protection and other perks.<\/p>\n\t<\/div>\n\n\t<div class=\"c-block-card__authors\">\n\t\t\t\t<div class=\"nw-written-by-layout-inline\">\n\t\t\t\n\t\t\t<div class=\"nw-written-by-layout-inline--wrapper\">\n\t\t\t\t<a href=\"https:\/\/www.nerdwallet.com\/au\/author\/alan-hartstein\" class=\"author url fn\" rel=\"author\"><img loading=\"lazy\" decoding=\"async\" width=\"32\" height=\"32\" src=\"https:\/\/www.nerdwallet.com\/au\/wp-content\/uploads\/sites\/3\/2022\/10\/Alan-Hartstein-portrait-40x40.jpeg\" class=\"avatar avatar-32 photo wp-post-image\" alt=\"\" \/>Alan Hartstein<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div><!-- .c-card__content-wrapper -->\n\t<\/div>\n<\/div><!-- #post-4587 -->\n<\/div><div class=\"c-block-card-grid-scroll__column\">\n<div id=\"post-1550\" class=\"c-block-card post-1550 page type-page status-publish has-post-thumbnail hentry content-classification-credit-cards topic-guide-to-credit-cards cluster-types-of-credit-cards\">\n\t<div class=\"c-block-card__inner c-block-card__inner--large\">\n\t\t\t<a class=\"c-block-card__image-wrapper\" href=\"https:\/\/www.nerdwallet.com\/au\/credit-cards\/types-of-credit-cards\" rel=\"bookmark\">\n\t\t<img loading=\"lazy\" width=\"435\" height=\"290\" decoding=\"async\" src=\"https:\/\/www.nerdwallet.com\/au\/wp-content\/uploads\/sites\/3\/2022\/11\/Types-of-Credit-Cards-435x290.jpg\" class=\"c-block-card__image wp-post-image\" alt=\"Types Of Credit Cards In Australia\" \/>\t<\/a><!-- .c-entry__thumbnail -->\n\t\t\t<div class=\"c-block-card__content-wrapper\">\n\t\t\t\n<h4 id=\"types-of-credit-cards-in-australia\"  class=\"c-block-card__title\">\n\t<a href=\"https:\/\/www.nerdwallet.com\/au\/credit-cards\/types-of-credit-cards\" rel=\"bookmark\" class=\"c-block-card__title-link\">\n\t\tTypes Of Credit Cards In Australia\t<\/a>\n<\/h4>\n\n\t<div class=\"c-block-card__content\">\n\t\t<p>Types of credit cards include rewards, low-interest, balance transfer and credit-building cards. When choosing a credit card, consider your spending habits and ability to repay the balance.<\/p>\n\t<\/div>\n\n\t<div class=\"c-block-card__authors\">\n\t\t\t\t<div class=\"nw-written-by-layout-inline\">\n\t\t\t\n\t\t\t<div class=\"nw-written-by-layout-inline--wrapper\">\n\t\t\t\t<a href=\"https:\/\/www.nerdwallet.com\/au\/author\/kristie-kwok\" class=\"author url fn\" rel=\"author\"><img loading=\"lazy\" decoding=\"async\" width=\"32\" height=\"32\" src=\"https:\/\/www.nerdwallet.com\/au\/wp-content\/uploads\/sites\/3\/2022\/10\/KristieKwok-150x150.jpg\" class=\"avatar avatar-32 photo wp-post-image\" alt=\"\" \/>Kristie Kwok<\/a><a href=\"https:\/\/www.nerdwallet.com\/au\/author\/georgia-rose\" class=\"author url fn\" rel=\"author\"><img alt='Georgia Rose profile photo' decoding=\"async\" src='https:\/\/secure.gravatar.com\/avatar\/6b9e515bc45988c863ac8ac39e7bdd34?s=32&#038;d=mm&#038;r=g' class='avatar avatar-32 photo' height='32' width='32' \/>Georgia Rose<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div><!-- .c-card__content-wrapper -->\n\t<\/div>\n<\/div><!-- #post-1550 -->\n<\/div><div class=\"c-block-card-grid-scroll__column\">\n<div id=\"post-3259\" class=\"c-block-card post-3259 page type-page status-publish has-post-thumbnail hentry content-classification-credit-cards topic-guide-to-credit-cards cluster-credit-card-basics\">\n\t<div class=\"c-block-card__inner c-block-card__inner--large\">\n\t\t\t<a class=\"c-block-card__image-wrapper\" href=\"https:\/\/www.nerdwallet.com\/au\/credit-cards\/what-is-cvv-number\" rel=\"bookmark\">\n\t\t<img loading=\"lazy\" width=\"460\" height=\"191\" decoding=\"async\" src=\"https:\/\/www.nerdwallet.com\/au\/wp-content\/uploads\/sites\/3\/2023\/08\/cvv-e1733962864393-460x191.jpg\" class=\"c-block-card__image wp-post-image\" alt=\"What To Know About CVV and CCV Numbers in Australia\" \/>\t<\/a><!-- .c-entry__thumbnail -->\n\t\t\t<div class=\"c-block-card__content-wrapper\">\n\t\t\t\n<h4 id=\"what-to-know-about-cvv-and-ccv-numbers-in-australia\"  class=\"c-block-card__title\">\n\t<a href=\"https:\/\/www.nerdwallet.com\/au\/credit-cards\/what-is-cvv-number\" rel=\"bookmark\" class=\"c-block-card__title-link\">\n\t\tWhat To Know About CVV and CCV Numbers in Australia\t<\/a>\n<\/h4>\n\n\t<div class=\"c-block-card__content\">\n\t\t<p>CVV stands for \u2018card verification value\u2019 \u2014 it\u2019s a three- or four-digit security code found on debit and credit cards that helps protect against fraud.<\/p>\n\t<\/div>\n\n\t<div class=\"c-block-card__authors\">\n\t\t\t\t<div class=\"nw-written-by-layout-inline\">\n\t\t\t\n\t\t\t<div class=\"nw-written-by-layout-inline--wrapper\">\n\t\t\t\t<a href=\"https:\/\/www.nerdwallet.com\/au\/author\/amanda-smith\" class=\"author url fn\" rel=\"author\"><img loading=\"lazy\" decoding=\"async\" width=\"32\" height=\"32\" src=\"https:\/\/www.nerdwallet.com\/au\/wp-content\/uploads\/sites\/3\/2022\/10\/AmandaSmith1-edited-scaled-e1725395436514-40x40.jpg\" class=\"avatar avatar-32 photo wp-post-image\" alt=\"\" \/>Amanda Smith<\/a><a href=\"https:\/\/www.nerdwallet.com\/au\/author\/georgia-rose\" class=\"author url fn\" rel=\"author\"><img alt='Georgia Rose profile photo' decoding=\"async\" src='https:\/\/secure.gravatar.com\/avatar\/6b9e515bc45988c863ac8ac39e7bdd34?s=32&#038;d=mm&#038;r=g' class='avatar avatar-32 photo' height='32' width='32' \/>Georgia Rose<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div><!-- .c-card__content-wrapper -->\n\t<\/div>\n<\/div><!-- #post-3259 -->\n<\/div><div class=\"c-block-card-grid-scroll__column\">\n<div id=\"post-6095\" class=\"c-block-card post-6095 page type-page status-publish has-post-thumbnail hentry content-classification-credit-cards topic-guide-to-credit-cards cluster-credit-card-basics\">\n\t<div class=\"c-block-card__inner c-block-card__inner--large\">\n\t\t\t<a class=\"c-block-card__image-wrapper\" href=\"https:\/\/www.nerdwallet.com\/au\/credit-cards\/what-is-a-digital-wallet\" rel=\"bookmark\">\n\t\t<img loading=\"lazy\" width=\"460\" height=\"245\" decoding=\"async\" src=\"https:\/\/www.nerdwallet.com\/au\/wp-content\/uploads\/sites\/3\/2024\/01\/what-is-a-digital-wallet-e1723052163825-460x245.jpg\" class=\"c-block-card__image wp-post-image\" alt=\"What Is A Digital Wallet? Should I Set One Up?\" \/>\t<\/a><!-- .c-entry__thumbnail -->\n\t\t\t<div class=\"c-block-card__content-wrapper\">\n\t\t\t\n<h4 id=\"what-is-a-digital-wallet-should-i-set-one-up\"  class=\"c-block-card__title\">\n\t<a href=\"https:\/\/www.nerdwallet.com\/au\/credit-cards\/what-is-a-digital-wallet\" rel=\"bookmark\" class=\"c-block-card__title-link\">\n\t\tWhat Is A Digital Wallet? Should I Set One Up?\t<\/a>\n<\/h4>\n\n\t<div class=\"c-block-card__content\">\n\t\t<p>More Aussies are using their phones for payments. Here\u2019s what you need to know about using a digital wallet.<\/p>\n\t<\/div>\n\n\t<div class=\"c-block-card__authors\">\n\t\t\t\t<div class=\"nw-written-by-layout-inline\">\n\t\t\t\n\t\t\t<div class=\"nw-written-by-layout-inline--wrapper\">\n\t\t\t\t<a href=\"https:\/\/www.nerdwallet.com\/au\/author\/amanda-smith\" class=\"author url fn\" rel=\"author\"><img loading=\"lazy\" decoding=\"async\" width=\"32\" height=\"32\" src=\"https:\/\/www.nerdwallet.com\/au\/wp-content\/uploads\/sites\/3\/2022\/10\/AmandaSmith1-edited-scaled-e1725395436514-40x40.jpg\" class=\"avatar avatar-32 photo wp-post-image\" alt=\"\" \/>Amanda Smith<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div><!-- .c-card__content-wrapper -->\n\t<\/div>\n<\/div><!-- #post-6095 -->\n<\/div>\t\t<\/div>\n\t<\/section>\n\n","protected":false},"excerpt":{"rendered":"<p>Westpac Flex Card can earn cashback rewards and doesn&#8217;t charge interest, but is only available to Westpac customers whose main income is deposited into a Westpac account.<\/p>\n","protected":false},"author":4,"featured_media":5558,"parent":159,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_is_hidden":false,"apple_news_is_paid":false,"apple_news_is_preview":false,"apple_news_is_sponsored":false,"apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":"[]","apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"footnotes":"","_nw_pros_cons_block_schema":""},"content-classification":[4],"topic":[111],"cluster":[138],"pp_author":[225],"acf":[],"apple_news_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.1 - 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