CommBank
Interest-Free Days credit card
Designed for those looking for a card with a competitive interest-free period to help with business cash flow.
Credit cardsBank updated 23 Sept 2026
At a glance
- Purchase rate
- 17.57%
- Cash advance
- 17.57%
- Interest-free days
- 55
- Annual fee
- $60
- Foreign transaction fee
- 1.50%
§ 01 — Rates · 2
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Cash advance | — | — | — | 17.57% | — | — |
| Purchase | Owner occupied | — | — | 17.57% | — | — |
§ 02 — Fees · 13
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| Any other Commonwealth Bank Network cash advance charge | Cash advance | 1.50% of transactioncapped $150 | — | 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… |
| ATM cash advance charge | Cash advance | 1.50% of transactioncapped $150 | — | 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… |
| Commonwealth Bank over-the-counter cash advance charge | Cash advance | 1.50% of transactioncapped $150 | — | 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… |
| Non-Commonwealth Bank over-the-counter cash advance charge | Cash advance | 1.50% of transactioncapped $150 | — | 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… |
| Overseas terminal or bank cash advance charge | Cash advance | 1.50% of transactioncapped $150 | — | $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). |
| Overlimit fee | Event | $10 | — | Charged when we first allow you to exceed your credit limit in a statement period |
| Late payment fee | Late payment | $20 | 1 days after due | When you don't make your minimum monthly payment, plus any overdue amount, by your statement due date. |
| Additional cardholder fee | Periodic | $60 | Every 1 yr | Payable at the same time as your annual fee if you'd like to share the convenience of your card with someone else. |
| Annual Fee | Periodic | $60 | Every 1 yr | Payable each year, giving you access to the features and benefits of your credit card. |
| Cash equivalent items or cash substitutes cash advance charge | Purchase | 1.50% of transactioncapped $150 | — | 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… |
| Emergency issue/ lost/ replacement card fee | Replacement | $20 | — | When you need an emergency replacement card delivered to you. |
| International transaction fee (Mastercard and Visa transactions) | Transaction | 3.00% of transactioncapped $150 | — | 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… |
| International transaction fee (Transactions in Australian dollars but with an overseas connection) | Transaction | 3.00% of transaction | — | 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… |
§ 03 — Features
Digital bankingFraud protectionInstalment plans55 interest-free days1 additional cardsApple PayCommBank Tap and PayGarmin PayGoogle PaySamsung PayTransit Accident InsuranceUnauthorised Transaction Insurance
- · 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.
§ 04 — Eligibility & 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.
§ 06 — Run the numbers
Put this product through a calculator
Published by CommBank under the Consumer Data Right, last changed by them on 23 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.