FlexiGroup is an award-winning financial services group that operates in Australia, New Zealand and Ireland. Founded in 1988, FlexiGroup today offers interest-free finance options for a range of business partners, including interest-free credit cards and no-interest ever payment plans.
FlexiGroup does not have branches, but information on their products is accessible through their website or by phone. They offer financial products in Australia via Lombard Finance and FlexiCards, with further offerings in New Zealand.
FlexiGroup is among the top 200 ASX-listed companies. It also prides itself on being active in the community, partnering with charities like the Starlight Foundation and encouraging out-of-office volunteering work to its staff.
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- High number of interest-free days
- Promotional offers with selected retailers
- Balance transfer option available
- Annual fee charged
- High interest rates
- High late payment fees
About FlexiGroup’s credit cards
FlexiGroup’s Australian credit cards are distributed through Lombard Finance and FlexiCards Australia.
FlexiGroup’s credit cards are primarily interest-free credit cards with some promotional offers attached, including balance transfer offers.
FlexiGroup’s credit cards tend to have high interest rates.FlexiGroup’s credit cards have some of the highest interest free periods currently on the market.
In terms of fees, annual fees are moderate, while late payment fees are high. Other fees, such as card replacement fees and additional cardholder fees, may apply.
Minimum credit limits apply. High credit limits available.
FlexiGroup offers extended interest-free days with some of their retailer partners. They also offer promotional rate offers through partnered retail stores, both in Australia and overseas.
FlexiGroup also offers free ATM cash withdrawals, and 0 per cent fees on international transactions and purchase offers.
FlexiGroup’s credit cards review
FlexiGroup offer credit cards through Lombard Finance and FlexiCards Australia: both are online distributors only.
FlexiGroup’s cards are best suitable for those looking for long-term interest-free periods, and/or are interested in taking advantage of the promotional rate offers with any of their partnered retailers, which include furniture, computers, electrical appliances, solar appliances, home improvement, travel and outdoors equipment.
While FlexiGroup’s cards allow a lot of breathing room in regards to interest-free periods, there are minimum repayments required for by certain due dates during the periods. It is wise to pay off your entire balance each billing cycle, as FlexiGroup’s purchase rates are on the higher end of the market.
Annual fees apply to all of their cards, plus additional fees for defaults or card replacement.
Some of FlexiGroup’s cards come with balance transfer offers, but others do not.
They do not currently offer any low-interest rate cards. As such, it’s always worth comparing credit cards from various providers before settling on one so you can be sure that a FlexiGroup credit card is appropriate for your needs.