CommBankInterest-Free Days credit card
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%
- Cash advance
- 17.57%
- Interest-free days
- 55
- Annual fee
- $60
- Foreign transaction fee
- 1.50%
How it compares
This credit card in ink, against the best that every other institution publishes for anyone to apply for. Each figure is counted the same way for all of them.
| Rate | This credit card | Best anywhere | Typical institution | Where it sits |
|---|---|---|---|---|
| Any credit cardOngoing purchase rate, not introductory offers | 17.57% | 7.49%Unity Bank's Low Rate Visa Credit Card | 12.49%of 51 institutions | 45th lowest of 51 |
| Interest-free daysDays without interest on purchases when the balance is paid in full | 55 days | 62 daysBeyond Bank Australia's Low Rate Credit Card | 55 daysof 42 institutions | 2nd longest of 42, level with 30 others |
Rates
Every rate CommBank publishes for this credit card, 2 in all.
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Cash advance | - | - | - | 17.57% | - | - |
| Purchase | Owner occupied | - | - | 17.57% | - | - |
Fees
13 fees published, grouped by when they're charged.
While you hold it2
- Additional cardholder fee
Payable at the same time as your annual fee if you'd like to share the convenience of your card with someone else.
$60 a year - Annual Fee
Payable each year, giving you access to the features and benefits of your credit card.
$60 a year
When you make a transaction8
- Any other Commonwealth Bank Network cash advance charge
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 Transfe…
1.50% of transactioncapped at $150 - ATM cash advance charge
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…
1.50% of transactioncapped at $150 - Commonwealth Bank over-the-counter cash advance charge
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 clo…
1.50% of transactioncapped at $150 - Non-Commonwealth Bank over-the-counter cash advance charge
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…
1.50% of transactioncapped at $150 - Overseas terminal or bank cash advance charge
$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).
1.50% of transactioncapped at $150 - Cash equivalent items or cash substitutes cash advance charge
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 s…
1.50% of transactioncapped at $150 - International transaction fee (Mastercard and Visa transactions)
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 processin…
3.00% of transactioncapped at $150 - 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 processin…
3.00% of transaction
If a payment is late or fails1
- Late payment fee
When you don't make your minimum monthly payment, plus any overdue amount, by your statement due date.
$20 1 days after it's due
When particular things happen2
- Overlimit fee
Charged when we first allow you to exceed your credit limit in a statement period
$10 - Emergency issue/ lost/ replacement card fee
When you need an emergency replacement card delivered to you.
$20
Features
- Streamline your business banking and save time with automatic data feeds from your online banking to your accounting software.
- 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.
Eligibility and limits
- Minimum age 18
- Residency: NZ
- Available to individuals
- Available to businesses
- Amount $500 to $50,000
- 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.
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Published by CommBank under the Consumer Data Right, last changed by them on 29 Sept 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.