Important disclosure

Westpac Banking Corporation Ltd

Westpac Flex Card

  • Apple, Google & Samsung Pay
  • No annual fee
  • Instant approval
Purchase Rate

0.00%

p.a

Balance Transfer Rate

Not Applicable

Tags
  • Apple, Google & Samsung Pay
  • No annual fee
  • Instant approval
Purchase Rate

0.00%

p.a

Balance Transfer Rate

Not Applicable

Annual Fee

$0

Pros and cons

For Flex Card

Benefits

  • Ongoing variable purchase rate ranked in the best 20%
  • No Annual Fee
  • Ability to convert large purchases into instalment plans
  • Apple Pay, Google Pay and Samsung Pay available

Drawbacks

  • No reward program
  • No balance transfer
  • Does not offer free supplementary cards

Westpac Rate Credit card overview

For Flex Card

Details

Card Level

Standard

Card Type

MasterCard

Interest Free Days

Minimum monthly repayment

$40

Minimum credit limit

Maximum credit limit

$1k

Free supplementary cards

Instant Approval

Target Market Determination

Visit Westpac Banking Corporation Ltd to view Target Market Determination.

Fees

Annual Fee

$0

Annual Fee Spend Waiver

Supplementary card annual fee

Late Payment Fee

$0

Over limit fee

Duplicate statement fee

Electronic Wallet Service

Important Rates

Rates

Purchase Rate

0.00%

p.a

Cash advance rate

Cash advance fee

Balance Transfer

Balance Transfer Rate

Not Applicable

Transfer Limit

Balance Transfer Fee

Overseas spending

Foreign Exchange Fee

Overseas charges

Estimated ATM Cost

-

Rewards

Program name

Rewards Available

-

Eligibility

Minimum age

Minimum income

Eligibility conditions

-

Residency

Other Restrictions

Monthly Fees - $10. No fee charged when there is no outstanding balance

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  • Apple, Google & Samsung Pay
  • Balance transfer
  • Low annual fee

Balance Transfer

3.99% p.a. 6 month introductory rate on balance transfers, purchases and cash advances.
Purchase Rate

3.99%

p.a

for up to 6 months, then 8.99%

Annual Fee

$45

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Low Rate Visa Credit Card

  • Apple, Google & Samsung Pay
  • Balance transfer
  • Low annual fee
Purchase Rate

10.49%

p.a

Annual Fee

$30

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Easy Low Rate Visa Credit Card

  • Apple Pay
  • Balance transfer
  • Low annual fee
Purchase Rate

8.99%

p.a

Annual Fee

$40

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Teachers Credit Card

  • Apple, Google & Samsung Pay
  • Balance transfer
  • No annual fee
Purchase Rate

7.90%

p.a

for up to 6 months, then 11.50%

Annual Fee

$0