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
Finding the best rates…
Credit Cards Comparison
Bank One
NAB
Best available
From 13.25% p.a.
Line-up
10 live products
VS
NAB vs Westpac
Compare NAB and Westpac credit cards in March 2026. NAB offers 10 cards with purchase rates from 13.25% p.a., while Westpac has 12 cards starting at 9.90% p.a.
Bank Two
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
Westpac has the lower purchase rate by 5.60%, which is about $280 a year on a $5,000 carried balance.
5.60% gap
Feature Comparison
Side-by-side view of the strongest offers surfaced above.
| Feature | NAB | Westpac |
|---|---|---|
| Purchase rate | 15.50% | 9.90% |
| Annual fee | $0 | $0 |
| Interest-free days | 35 | 45 |
| Has rewards | No | Yes |
All NAB Products
Every tracked credit cards option from NAB.
All Westpac Products
Every tracked credit cards option from Westpac.
NAB's NAB Low Rate Business Card charges 13.25% p.a. with a $60 annual fee, while Westpac's Westpac Lite Card sits at 9.90% p.a. with a $0 annual fee. Westpac's lower rate saves approximately $167/year on a $5,000 balance.
Quick Comparison
| Feature | NAB | Westpac |
|---|---|---|
| Purchase Rate | 13.25% | 9.90% |
| Annual Fee | $60 | $0 |
| Interest-Free Days | 55 | 45 |
| Rewards Program | None | cashback |
Common Questions
NAB vs Westpac FAQs
Which bank has the lower credit card rate, NAB or Westpac?
Westpac offers the lower purchase rate at 9.90% p.a. Annual fees and rewards should also be considered when comparing.
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.
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.