CommBank Neo vs Westpac Flex

Verified by David Boyd   |   Updated 1 Mar 2024

CommBank's Neo and Westpac's Flex are these banks' response to the trend towards buy now pay later. They are popular with many younger Australians who are looking for a simple and cheap credit card. In fact, according to CommBank, up to a third of all the new cards they issue are for the Neo.

Use this comparison table to compare rates, fees, and minimum criteria for the CommBank Neo against the Westpac Flex and decide which no interest credit card you prefer.

CommBank Neo

On website

Westpac Flex Card

On website

Basics
Description
No interest, annual fees, late fees, or foreign exchange fees. Choice of credit limits. Simple monthly fee.No interest digital card issued within minutes of approval. No interest on purchases and no late fees, just a simple monthly fee.
Additional Cardholders
10
Apple Pay Enabled
YesYes
Card Type
MastercardMastercard
Google Pay Enabled
YesYes
Minimum Credit Limit
$1,000.00$1,000.00
Maximum Credit Limit
$3,000.00$1,000.00
Rates
Cash Advance Rate
0% p.a.0% p.a.
Cash Advance Fee
N/AN/A
Purchase Rate Ongoing
0% p.a.0% p.a.
Fees
Annual Fee Ongoing
$0.00$0.00
Foreign Exchange Fee
$0.00$0.00
Late Payment Fee
$0.00$0.00
Overseas ATM Withdrawal Fee
N/AN/A
Eligibility
Minimum Age
18 years18 years
Minimum Credit Rating
N/AN/A
Minimum Income
N/AN/A
Temporary Residents Accepted
YesNo