11 live products
ANZ
Best available rate
20.99%p.a.
ANZ First
Highest ranked offer currently surfaced for this bank on the compare page.
Annual fee
$0
Interest-free
55 days
Rewards
Available
Finding the best rates…
Credit Cards Comparison
Bank One
ANZ
Best available
From 12.99% p.a.
Line-up
11 live products
VS
ANZ vs NAB
Compare ANZ and NAB credit cards in March 2026. ANZ offers 11 cards with purchase rates from 12.99% p.a., while NAB has 10 cards starting at 13.25% p.a.
Bank Two
VS
10 live products
NAB
Best available rate
15.50%p.a.
NAB Business Card
Highest ranked offer currently surfaced for this bank on the compare page.
Annual fee
$0
Interest-free
35 days
Rewards
None
Live edge
NAB has the lower purchase rate by 5.49%, which is about $274 a year on a $5,000 carried balance.
5.49% gap
Feature Comparison
Side-by-side view of the strongest offers surfaced above.
| Feature | ANZ | NAB |
|---|---|---|
| Purchase rate | 20.99% | 15.50% |
| Annual fee | $0 | $0 |
| Interest-free days | 55 | 35 |
| Has rewards | Yes | No |
All ANZ Products
Every tracked credit cards option from ANZ.
All NAB Products
Every tracked credit cards option from NAB.
ANZ's ANZ Business Low Rate charges 12.99% p.a. with a $100 annual fee, while NAB's NAB Low Rate Business Card sits at 13.25% p.a. with a $60 annual fee. ANZ's lower rate saves approximately $13/year on a $5,000 balance.
Quick Comparison
| Feature | ANZ | NAB |
|---|---|---|
| Purchase Rate | 12.99% | 13.25% |
| Annual Fee | $100 | $60 |
| Interest-Free Days | 0 | 55 |
| Rewards Program | None | None |
currently offers a 0.26% lower purchase rate.
Common Questions
ANZ vs NAB FAQs
Which bank has the lower credit card rate, ANZ or NAB?
ANZ offers the lower purchase rate at 12.99% p.a. Annual fees and rewards should also be considered when comparing.
What is ANZ's lowest credit card rate in 2026?
ANZ's lowest purchase rate is 12.99% p.a. on the ANZ Business Low Rate, with a $100 annual fee and 0 interest-free days.
What is NAB's lowest credit card rate in 2026?
NAB's lowest purchase rate is 13.25% p.a. on the NAB Low Rate Business Card, with a $60 annual fee and 55 interest-free days.