14 live products
CommBank
Best available rate
0.00%p.a.
Interest-free Low Fee Credit Card
Highest ranked offer currently surfaced for this bank on the compare page.
Annual fee
$0
Interest-free
0 days
Rewards
None
Finding the best rates…
Credit Cards Comparison
Bank One
CommBank
Best available
From 0.00% p.a.
Line-up
14 live products
VS
CommBank vs Westpac
Compare CommBank and Westpac credit cards in March 2026. CommBank offers 14 cards with purchase rates from 0.00% p.a., while Westpac has 12 cards starting at 9.90% p.a.
VS
12 live products
Westpac
Best available rate
9.90%p.a.
Westpac Lite Card
Highest ranked offer currently surfaced for this bank on the compare page.
Annual fee
$0
Interest-free
45 days
Rewards
Available
Live edge
CommBank has the lower purchase rate by 9.90%, which is about $495 a year on a $5,000 carried balance.
9.90% gap
Feature Comparison
Side-by-side view of the strongest offers surfaced above.
| Feature | CommBank | Westpac |
|---|---|---|
| Purchase rate | 0.00% | 9.90% |
| Annual fee | $0 | $0 |
| Interest-free days | 0 | 45 |
| Has rewards | No | Yes |
All CommBank Products
Every tracked credit cards option from CommBank.
All Westpac Products
Every tracked credit cards option from Westpac.
CommBank's Interest-free Low Fee Credit Card charges 0.00% p.a. with a $0 annual fee, while Westpac's Westpac Lite Card sits at 9.90% p.a. with a $0 annual fee. CommBank's lower rate saves approximately $495/year on a $5,000 balance.
Quick Comparison
| Feature | CommBank | Westpac |
|---|---|---|
| Purchase Rate | 0.00% | 9.90% |
| Annual Fee | $0 | $0 |
| Interest-Free Days | 0 | 45 |
| Rewards Program | None | cashback |
Common Questions
CommBank vs Westpac FAQs
Which bank has the lower credit card rate, CommBank or Westpac?
CommBank offers the lower purchase rate at 0.00% p.a. Annual fees and rewards should also be considered when comparing.
What is CommBank's lowest credit card rate in 2026?
CommBank's lowest purchase rate is 0.00% p.a. on the Interest-free Low Fee Credit Card, with a $0 annual fee and 0 interest-free days.
What is Westpac's lowest credit card rate in 2026?
Westpac's lowest purchase rate is 9.90% p.a. on the Westpac Lite Card, with a $0 annual fee and 45 interest-free days.