Interest-Free Days credit card
Designed for those looking for a card with a competitive interest-free period to help with business cash flow.
- Purchase rate
- 17.57%
- Annual fee
- $60.00
Interest Rates
Owner occupied — Other
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Purchase | 17.57% | — | — |
Other — Any repayment type
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Cash advance | 17.57% | — | — |
Fees
| Fee | Type | Amount |
|---|---|---|
| Additional cardholder fee Charged yearly · Payable at the same time as your annual fee if you'd like to share the convenience of your card with someone else. | Ongoing | $60.00 |
| Annual Fee Charged yearly · Payable each year, giving you access to the features and benefits of your credit card. | Ongoing | $60.00 |
| Late payment fee When you don't make your minimum monthly payment, plus any overdue amount, by your statement due date. | Late payment | $20.00 |
| Overlimit fee Charged when we first allow you to exceed your credit limit in a statement period | Event | $10.00 |
| Emergency issue/ lost/ replacement card fee When you need an emergency replacement card delivered to you. | Replacement | $20.00 |
| International transaction fee (Mastercard and Visa transactions) Capped at $150.00 per 1 day · When you make a purchase or obtain a cash advance in Australian dollars while overseas, or while in Australia (for example online) where the merchant, or the financial institution or entity processing the transaction, is located overseas. |
Features
- Additional cards — up to 1
- Adding an additional cardholder is an easy way to share the convenience and accessibility of your CommBank credit card, without opening a new account. You can have one additional cardholder and they must be at least 16 years old. They'll get a card with their name but with your account number.
- Bill payment (BPAY) — AutoPay
- Through AutoPay, you can choose to have the full closing balance, the minimum amount due, or set an amount debited from your chosen CommBank transaction account. If the set amount isn't enough to cover the minimum payment shown on your current statement, we'll take out more to cover the difference. If the set amount is more than your closing balance shown on your current statement, only the closing balance amount is debited.
- Bill payment (BPAY) — BPAY View
- With BPAY View you can switch to online bills & ask billers to send them directly to the CommBank app or NetBank, making it easy to see, track, and pay bills online.
- Insurance included — Transit Accident Insurance
- Insurance included — Unauthorised Transaction Insurance
Eligibility
- Business customers
- Minimum age — 18 yearsPrimary cardholder must be at least 18 years old. Additional cardholder may be 16 years of age or older.
- Individuals onlyIndividuals must have the legal capacity to enter into the loan contract.
- Applications for credit cards are subject to credit approval.
- Each application for credit is assessed on the ability of the applicant to service debt (limit) based on the financials supplied in the application.
- Residency status — AUAvailable to citizens or permanent resident of AU and valid Visa holders. Make sure you are legally allowed to work in Australia.
- Residency status — NZResidency Status: An eligibility constraint based on citizenship, permanent residency or visa status applies, or a combination of these.
Constraints
- Maximum limit — $50,000.00Unsecured credit limit of up to $50,000 (based on eligibility criteria).
- Minimum limit — $500.00Minimum credit limit of $500. Note that the credit limit we give you depend on your ability to meet your repayments.
More Information
Published by CommBank under the Consumer Data Right · Last updated 16 July 2026 · Product ID 5b47845a7f0044e58db616bb734e8350 · View on CDR.gov.au