---
title: "Interest-Free Days credit card — CommBank"
description: "Credit & Charge Cards from CommBank. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/commbank/products/5b47845a7f0044e58db616bb734e8350
source: "CDR Compare"
language: en-AU
last_updated: 2026-08-28T02:15:37.000Z
---

# Interest-Free Days credit card — CommBank

> Credit & Charge Cards from CommBank. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare.

**Credit & Charge Cards**

Designed for those looking for a card with a competitive interest-free period to help with business cash flow.

## At a glance

- **Purchase rate:** 17.57%
- **Annual fee:** $60.00

## Apply

Applications are handled by the provider: [Apply at CommBank](https://www.commbank.com.au/business/business-credit-cards/business-interest-free-days-credit-card.html)

## 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 — 1 · 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. | Transaction | 3% of transaction |
| ATM cash advance charge — Capped at $150.00 per 1 day · Charge applies to cash advances through a terminal of any financial institution in Australia, at ASB Bank in New Zealand, Commonwealth Bank in Indonesia and Commonwealth Bank in Vietnam. 1.5% of the cash advance amount. A maximum charge of $150.00 applies (or a flat fee of $2.50 if your closing balance on the previous day was in credit). | Cash advance | 1.5% of transaction |
| Commonwealth Bank over-the-counter cash advance charge — Capped at $150.00 per 1 day · Charge applies to cash advances at Commonwealth Bank Branches. $2.50 or 1.5% of the cash advance amount (whichever is greater). A maximum charge of $150.00 applies (or a flat fee of $2.50 if your closing balance on the previous day was in credit). | Cash advance | 1.5% of transaction |
| Non-Commonwealth Bank over-the-counter cash advance charge — Capped at $150.00 · Charge applies to cash advance transactions made at other financial institutions within Australia. $3.00 or 1.5% of the cash advance amount (whichever is greater). A maximum charge of $150.00 applies (or a flat fee of $3.00 if your closing balance on the previous day was in credit). | Cash advance | 1.5% of transaction |
| Any other Commonwealth Bank Network cash advance charge — Capped at $150.00 · Charge applies to cash advances by way of funds transfer through NetBank, CommBiz, Phonebank Transfer, Commonwealth Bank Customer Service Centre, Australia Post, 132221 Transfer Case, NetBank Transfer Home Loan, Mobile Bank Transfer and NetBank Transfer Personal Loan. 1.5% of the cash advance amount. A maximum charge of $150.00 applies (or a flat fee of $2.50 if your closing balance on the previous day was in credit). | Cash advance | 1.5% of transaction |
| Overseas terminal or bank cash advance charge — Capped at $150.00 · $4.00 or 1.5% of the cash advance amount (whichever is greater). A maximum charge of $150.00 applies (or a flat fee of $4.00 if your closing balance on the previous day was in credit). | Cash advance | 1.5% of transaction |
| Cash equivalent items or cash substitutes cash advance charge — Capped at $150.00 per 1 day · Charge applies to purchases of items we consider equivalent to cash, such as gambling, lottery tickets, money transfers or travellers cheques, including transactions which merchants tell us are for such items. 1.5% of the cash advance amount.  A maximum charge of $150.00 applies (or a flat fee of $2.50 if your closing balance on the previous day was in credit). | Purchase | 1.5% of transaction |
| International transaction fee (Transactions in Australian dollars but with an overseas connection) — 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. For cash advances, the cash advance fee will also apply. | Transaction | 3% of transaction |

## 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
- **Discounts on other products** — Priceless Cities (A program available exclusively to Mastercard cardholders that provides access to unforgettable experiences in the cities where you live and travel.)
- **Discounts on other products** — Travel Booking by Hopper (Access a range of travel benefits through Travel Booking (provided by Hopper) for eligible customers.)
- **Cashback offer** — CommBank Yello (Get cashback when you activate and redeem your CommBank Yello offers. Available to eligible Mastercard cardholders in the CommBank app.)
- **Streamline your business banking and save time with automatic data feeds from your online banking to your accounting software.**
- **Digital banking** (Wherever you are in the world, CommBank gives you the choice and control to securely manage all of your accounts on a range of devices, the way you want.)
- **Digital wallet** — Apple Pay (Pay with your Apple(TM) device using Apple Pay.)
- **Digital wallet** — CommBank Tap and Pay (Pay with your Android(TM) phone using the CommBank app.)
- **Digital wallet** — Garmin Pay (Pay with your Garmin(TM) smartwatch using Garmin Pay.)
- **Digital wallet** — Google Pay (Pay with your Android(TM) device using Google Pay(TM).)
- **Digital wallet** — Samsung Pay (Pay with your Samsung(TM) device using Samsung Pay.)
- **Instalment plan** (Pay off eligible purchases or credit card balances in fixed monthly instalments. A set-up fee of 2%-5% of the purchase amount may apply on purchase plans depending on the term. Otherwise interest is charged on the plan amount.)
- **Fraud protection** (Instantly lock, block or limit your credit card for extra control through the CommBank app or NetBank.)
- **Interest-free period** — 55 days (Up to 55 days. We won't charge any interest on purchases if you pay at least the closing balance shown on your statement by the due date each and every month.)
- **Notifications** — Payment reminders (Reminders before payments are due to avoid late fees.)
- **Notifications** — Transaction Notifications (Turn Transaction Notifications on in the CommBank app and we'll instantly alert you when you pay using your CommBank credit card, and when you receive money into your everyday account.)
- **Use QR Cardless to withdraw cash or deposit notes, coins and cheques (subject to product eligibility) by using the latest version of the CommBank app to scan a QR code at a compatible CommBank ATM.**
- **Digital banking** (We help you stay on track with your credit card spending in the CommBank app.)

## Eligibility

- **Business customers**
- **Minimum age** — 18 years (Primary cardholder must be at least 18 years old. Additional cardholder may be 16 years of age or older.)
- **Individuals only** (Individuals 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** — AU (Available to citizens or permanent resident of AU and valid Visa holders. Make sure you are legally allowed to work in Australia.)
- **Residency status** — NZ (Residency Status: An eligibility constraint based on citizenship, permanent residency or visa status applies, or a combination of these.)

## Constraints

- **Maximum limit** — $50,000.00 (Unsecured credit limit of up to $50,000 (based on eligibility criteria).)
- **Minimum limit** — $500.00 (Minimum credit limit of $500. Note that the credit limit we give you depend on your ability to meet your repayments.)

## More information from CommBank

- [Overview](https://www.commbank.com.au/business/business-credit-cards/business-interest-free-days-credit-card.html)
- [Terms & conditions](https://www.commbank.com.au/content/dam/commbank/personal/apply-online/download-printed-forms/cc2-cou.pdf)
- [Eligibility](https://www.commbank.com.au/business/business-credit-cards/business-interest-free-days-credit-card.html)
- [Fees & pricing](https://www.commbank.com.au/content/dam/commbank/business/pds/003-840-personal-liability-card-fees.pdf)

## Data provenance

- Published by CommBank under the Consumer Data Right
- Product ID: `5b47845a7f0044e58db616bb734e8350`
- Last updated by the provider: 28 August 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/commbank/5b47845a7f0044e58db616bb734e8350
- Provider page: https://www.cdrcompare.au/brands/commbank
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000008

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/commbank/products/5b47845a7f0044e58db616bb734e8350) — product data published by Australian data holders under the Consumer Data Right. Not financial advice; no rankings, recommendations or affiliate relationships. Always confirm details with the provider.

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