Credit card comparison for Australia
Credit cards in Australia: Westpac Low Fee vs CommBank Low Rate
We compare two Australian credit cards by purchase rate, cash advance rate, annual fee, interest-free days, minimum limit and repayment conditions.
Figures are checked manually each month. The provider’s current documents remain authoritative.
| Feature | WestpacLow Fee Credit Card | CommBankLow Rate Credit Card |
|---|---|---|
| Product type | Low-fee credit card | Low-rate credit card |
| Currency | AUD | AUD |
| Credit limit | $500 minimum credit limitSource: Westpac: Low Fee credit card | $500 minimum credit limitSource: CommBank: credit card key facts |
| Purchase rate / APR | 20.99% p.a. variable purchase rateSource: Westpac: Low Fee credit card | 13.99% p.a. for eligible existing or switched customers; check current offerSource: CommBank: credit card fees and charges |
| Interest-free period | Up to 55 days on purchasesSource: Westpac: Low Fee credit card | Up to 55 days on purchasesSource: CommBank: credit card key facts |
| Minimum repayment | According to statement and card termsSource: Westpac: credit card key facts | The amount owed or the calculated minimum under card termsSource: CommBank: credit card key facts |
| Monthly fee | No monthly fee statedSource: Westpac: Low Fee credit card | Not stated in this comparisonSource: CommBank: credit card fees and charges |
| Annual fee | $30 ongoing, or $0 with $5,000 annual spend under conditionsSource: Westpac: Low Fee credit card | Check current fee scheduleSource: CommBank: credit card fees and charges |
| Cash advance | 21.99% p.a. cash advance rate; fees may also applySource: Westpac: Low Fee credit card | 21.99% p.a. cash advance rateSource: CommBank: credit card key facts |
| Balance transfer | Offer-specific; not stated in this comparisonSource: Westpac: credit card key facts | Check current fee scheduleSource: CommBank: credit card fees and charges |
| Rewards / cashback | Offer-specific cashback may apply; not treated as a standard benefitSource: Westpac: Low Fee credit card | Not statedSource: CommBank: credit card key facts |
| Insurance and benefits | Not statedSource: Westpac: credit card key facts | Not statedSource: CommBank: credit card key facts |
| Basic requirements | Credit criteria, minimum income and approval conditions apply. | Credit criteria and approval conditions apply. |
| Availability | Australia; Westpac offer. | Australia; CommBank offer. |
Recommendation by use case
Westpac Low Fee may suit someone who can meet the annual spend condition and wants a lower ongoing card fee. CommBank Low Rate may suit someone prioritising a lower purchase rate. Interest, fees and approval depend on the current offer and individual assessment; paying the statement in full can avoid purchase interest during the interest-free period.
Our methodology
- We use official bank product pages, rate tables and key facts documents.
- Rates and interest-free periods are product-specific and may change; always check the current offer before applying.
- Unpublished values are shown as not stated rather than estimated.
- Recommendations are independent of remuneration and this page contains no affiliate links.
More information
Frequently asked questions
What should I compare on an Australian credit card?
Compare the purchase rate, cash advance rate, annual or monthly fee, interest-free days, minimum repayment, credit limit and foreign transaction fees.
What is the Westpac Low Fee purchase rate?
Westpac lists a variable purchase rate of 20.99% p.a., a cash advance rate of 21.99% p.a. and an ongoing annual card fee of $30, which can be waived with $5,000 annual spend under the stated conditions.
How long is the CommBank Low Rate interest-free period?
CommBank’s key facts document lists up to 55 days on purchases for the Low Rate card. The exact period depends on statement and payment timing.
Official sources
Westpac — Low Fee Credit Card
Reviewed: 2026-07-23
- Westpac: Low Fee credit card — rates, fees, limit and interest-free days
- Westpac: credit card key facts — product terms and conditions
CommBank — Low Rate Credit Card
Reviewed: 2026-07-23
- CommBank: credit card key facts — limits, repayments, rates and interest-free periods
- CommBank: credit card fees and charges — fees and rate conditions
Important information
This page is an editorial comparison, not a credit offer or financial advice.
Rates, fees, credit limits and approval depend on the provider and individual assessment.
Credizen
Editorial review not recorded.
Advertising or partner fees do not determine recommendation order.