GETTING TO KNOW YOUR FLEX CARD

Everything you need to know, including setting up your card, managing your repayments and more.

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Setting up your Flex Card

All the basics to help you get going whether you're on an Android or iOS device.

Download the Westpac App

  • Available from the App Store or Google Play.
  • Sign in using your Customer ID and Online Banking password created during your application and follow the prompts.
     

Download from the Play Store

Download from the App Store

Set up your digital Flex Card

  • In the Flex Card account summary on your app dashboard, select Get Started.
  • Follow the prompts to set your card PIN.
  • Your Digital Card is now ready to use!
     

Want a plastic card?

  • Your Flex Card comes as a Digital Card. If you’d like a plastic card, you can request it in the Westpac App.

Access your Digital Card details

If you need your card details at any time, like when you’re shopping online, you can access them in the Westpac App by following these steps. 

  • Select Cards from the nav bar at the bottom of the app home screen.
  • Swipe to your Flex Card (if you have multiple cards) then select Show Digital Card to reveal your card number, expiry and generate a dynamic CVC. 
  • Your CVC (3-digit security number) refreshes every 24 hours to help ensure your details are kept safe.

Ways to pay with your Digital Card

1. Westpac App

Access your Digital Card anytime, anywhere via the Westpac App and use it to shop in store or online, pay bills, make in-app purchases and set up your recurring card payments.

For online purchases, simply copy across your card number (hold down and copy the number in the App or manually fill it in), expiry and dynamic CVC/CVV.

2. Digital Wallet

You can also add your Flex Card to your mobile wallet or wearable wallet. Find out more on setting up your mobile wallet here.
 

Managing your card

Understanding your statement cycle

Your Flex Card follows a monthly statement cycle, starting from the day you sign up. You’ll find the start date of your statement cycle and your payment due date on your statement.

Understanding your repayments
 

Monthly repayments

If you’ve elected to make monthly repayments, these will be debited from your nominated account on your next payment due date.

Twice-a-month repayments

If you’ve elected to make repayments twice a month, these will be debited from your nominated account 14 days before your next payment due date, and then again on your payment due date.

Handy repayment reminders

We’ll send you repayment reminders one business day before a repayment is due, so you can make sure you have enough funds in your linked account. 

When applying for your card, you would have set up Autopay. However, if you would like to change these settings, here’s how. 

Note: any changes to your repayment schedule will be applied after your next monthly statement.

  1. Select the Flex Card account hub tile on your dashboard.
  2. Select Autopay.
  3. Select Edit Settings.
  4. Select the account you’d like your payments to be debited from.
  5. Select Monthly or Twice a Month for your repayment frequency, and Minimum amount ($40) or Full Balance for your repayment amounts.
    Note: If you owe less than the minimum monthly repayment amount ($40), you’ll only be debited what you owe.
  6. Select Confirm and follow the prompts.
  1. Select the Flex Card account hub tile on your dashboard.
  2. Select Pay Card.
  3. Select the account you’d like your payments to be debited from.
  4. Choose the amount you’d like to repay from the following options:
    • Remaining balance
    • Current balance
    • Other amount
  5. Follow the prompts to complete your transfer.

How to read your statement

You’ll receive monthly statements. This is a paperless product, so you’ll receive your statement by email. When it arrives, here are a few things to note:

In the top right corner, you’ll find a box that highlights the important details related to the statement, including:

  • Your Card Number.
  • Opening Balance, which represents the outstanding balance as of the date listed.
  • New Transactions & Charges that have been made since the last statement.
  • Payments & Refunds you received during the statement cycle.
  • Credit limit, which is $1000.
  • Closing Balance, which we’ve highlighted as this is the key figure to look at.
     

Next, you’ll find your Autopay Schedule, which will show one date if you chose to repay Monthly, and two dates if you chose to pay Twice a Month. Next to the date(s) is the amount which will be debited from your linked account. 
 

Following this is a list of all the transactions made on your Flex Card during the statement cycle, including:

  • The date the transaction was made
  • The transaction details, including the merchant (where you made the purchase)
  • The debit and credit amounts

On the next page, you’ll find details on how you can make additional payments, on top of your scheduled Autopay payments. 
 

Throughout the statement you’ll also find information that is important to read, including what to do if you’re having trouble making repayments.

Tips & tricks

Want to make extra repayments?

The best way to manage the amount you owe is to pay off more than the minimum monthly amount. So, if you’re in a position to do so, make additional repayments when you can, which you have the flexibility to do on your Flex Card at any time.

No outstanding balance? No fee.

The $10 monthly fee will only be charged if you don’t pay the outstanding balance on your previous statement in full by the due date.

Westpac Protect™ SMS Code

Westpac ProtectTM SMS Code provides an optional extra layer of protection by generating a one-time SMS password used to authorise certain transactions and features, giving you greater peace of mind when banking online. You can learn more about Westpac ProtectTM here.

Westpac Extras & Rewards

Why wait for an excuse to reward yourself? With your Flex Card, you have access to an exciting range of rewards and discounts.

Westpac Extras

Enjoy cashback to your Flex Card account when you make eligible transactions on offers across a range of household names, including department stores, supermarkets, petrol stations, travel partners and more.

Westpac Rewards

Brings you deals and offers just for being a cardholder. Sign into Online Banking or the Westpac App to explore your offers.

Frequently asked questions

Can I choose the date my Autopay payments happen?

You can choose to have your autopay payments debited either monthly (on your payment due date) or twice monthly. Twice monthly autopay payments will be taken 14 days before your next payment due date, and then again on your payment due date. This means that the calendar date may change each month. You will be sent a reminder notification that your payment is due one business day prior to each autopay payment due date.

 

Your next scheduled Autopay amount will be reduced by the amount of any additional payments credited to your account. Returns are not considered payments and will not be deducted from your next scheduled Autopay payment. However, your Autopay amount will be adjusted to ensure you do not overpay your account balance.

You’ll receive a digital card when your application is approved, which can be added to your digital wallet immediately, but you will not receive a plastic card unless you request one.

You can order a Flex Card via our Mobile Banking app. Select your Flex account, scroll down to ‘Card settings’ and select ‘Order a physical card’. Confirm your mailing address and select ‘Send card’. Allow up to 10 business days for your card to arrive.


 

See all FAQs

Things you should know

Westpac Credit Cards Key Facts Sheet

Flex Card Terms and Conditions (PDF 343KB)

Flex Card Specs (PDF 30KB)

Online Banking Terms and Conditions (PDF 1MB)

Autopay Information

Credit criteria, fees and charges apply. Switches or upgrades are unavailable.

Be credit savvy: Before applying, consider the credit limit and check all conditions, fees and charges on your selected card.

Monthly fee waiver: Flex Card has a flat Monthly Fee. The Monthly Fee is charged to your Flex Card Account each month and once it is charged it forms part of your balance. This Monthly Fee will, subject to the Flex Card Terms and Conditions, be waived if you pay off the Closing Balance shown on your previous statement by the payment due date shown on your statement.

Read the Apple Pay Terms and Conditions (PDF 42KB) before making a decision and consider if it is right for you. To use Apple Pay you will need an eligible card and a compatible device with a supported operating system. See our Apple Pay FAQs for more information. Apple, the Apple logo, Apple Pay, Apple Watch and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.

Mastercard® is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

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