Credit Card Compare

CommBank Interest-Free Days Credit Card

Data last updated 17 July 2026
17.57%
Purchase rate
$60
Annual fee
55 days
Interest-free

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CardIQ

57Good

Good

Overall score, out of 100 · How this works

  • 55 days interest-free58
  • Low rate55

Customer reviews

No reviews yet. Be the first to review the CommBank Interest-Free Days Credit Card.

Pros & cons

What's good

  • The 17.57% p.a. purchase rate is below the 18.99% p.a. market median.
  • 1.5% foreign transaction fee, below the 3% most cards charge.

Worth noting

  • Earns no rewards points on spending.
  • No balance transfer or introductory purchase offer.

Card details

The basics

Additional cardholder fee
$60 p.a.
Card tier
Standard
Card type
Mastercard
Card use
Personal
Credit limit
$500 – $50,000
Credit rating
Good
Rewards program
None

Eligibility

Instant approval
Yes (response in ~60 seconds)
Joint application
Yes
Minimum age
18 years old
Minimum income
Not specified
Residency
Australian citizen or permanent resident
Temporary residents
Eligible

Rates & fees

Ongoing interest rates

Cash advances
17.57% p.a.
Purchases
17.57% p.a.

Fees

Additional cardholder fee
$60
Annual fee
$60 p.a.
Cash advance fee
1.5% of the amount
Foreign transaction fee
1.5%
Late payment fee
$20

Repayments

Interest-free period
Up to 55 days on purchases
Minimum repayment
2% of the closing balance or $25, whichever is greater

Balance transfers

This card has no promotional balance transfer offer. To move existing debt to a lower rate, compare balance transfer cards.

Introductory purchase offer

This card has no introductory purchase rate offer. If you're carrying a balance or planning a big spend, compare 0% purchase cards.

Rewards

This card doesn't earn rewards points. It focuses on a low cost of ownership instead. If earning points matters to you, compare frequent flyer cards and rewards cards.

Where this card sits vs similar cards

Compared with every other personal credit card we list that has the feature. The further right the dot, the better this card does.

Interest-free days55 daysTop 10% (6th of 192 cards)
Overseas fee1.50%Top 25% (30th of 200 cards)
Annual fee$60 a yearMiddle of the market (87th of 200 cards)
Purchase rate17.57%Middle of the market (88th of 196 cards)

Data as at August 2026. Rates change often, so check the issuer's terms. Factual information, not a recommendation.

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Questions and answers

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Sources

Credit Card Compare
Australian credit card statisticsHow CardIQ scores cards
Government
Product reference data (Consumer Data Right)
Issuer
Commonwealth Bank