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.