CommBank's Neo and Westpac's Flex cards are the banks' response to the growing buy now, pay later movement. These cards have gained popularity among younger Australians and first time credit card members seeking a straightforward, affordable credit card solution. In fact, CommBank reports that up to a third of all new cards issued are 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.
 |  On Westpac's 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 | |
| 1 | 0 |
| Apple Pay Enabled | |
| Yes | Yes |
| Card Type | |
| Mastercard | Mastercard |
| Google Pay Enabled | |
| Yes | Yes |
| 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/A | N/A |
| Purchase Rate Ongoing | |
| 0% p.a. | 0% p.a. |
| Fees | |
| Annual Fee Ongoing | |
| $0.00 | $0.00 |
| Foreign Exchange Fee | |
| N/A | $0.00 |
| Late Payment Fee | |
| $0.00 | $0.00 |
| Overseas ATM Withdrawal Fee | |
| N/A | N/A |
| Eligibility | |
| Minimum Age | |
| 18 years | 18 years |
| Minimum Credit Rating | |
| Good | Good |
| Minimum Income | |
| N/A | N/A |
| Temporary Residents Accepted | |
| Yes | No |
