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Best credit cards with up to 55 days interest-free

Compare credit cards with up to 55 days interest-free, so you can stretch payments with a free interest-free line of credit.

  • Up to 55 days to pay before interest applies
  • Options with no annual fee or a low rate
  • Pay no interest when you clear the balance in full

Written by David BoydReviewed by Vidhu Bajaj and Andrew Boyd

Featured
Latitude Low Rate Mastercard - Balance Transfer Offer card
Latitude Low Rate Mastercard - Balance Transfer Offer
  • 24 months at 0% p.a. on balance transfers
  • No fee to add an additional cardholder
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How much does it cost to carry a balance?

Enter your typical monthly carry balance to see the estimated interest cost for each card below.

$
Compare 140 55 days interest-free credit cards

55 days interest-free by the numbers

140
Cards compared
56 days
Average interest-free days
110 days
Most interest-free days
humm90 Platinum Mastercard
16.49% p.a.
Average purchase rate
$103
Average annual fee

What are 55 days interest-free cards?

These cards let you make purchases and wait up to 55 days before interest applies. That's usually a billing cycle (about 30 days) plus a grace period (often 25 days) before payment is due.

To get the full period, pay your statement balance in full by the due date. Carry a balance and interest is usually charged from the purchase date.

How to choose a 55-day card

Look at the annual fee and the ongoing purchase rate. If you'll pay in full each month, a no annual fee card can work well. If you might carry a balance, lean towards a lower purchase rate.

Decide whether you want rewards points (like Qantas or Velocity) or a no-frills low rate card. Some premium cards also add travel insurance or airport lounge access.

55 days interest-free credit card FAQs

You get up to 55 interest-free days only when you pay your statement balance in full by the due date each month. The exact number depends on when in the billing cycle you make the purchase, so an early-cycle purchase gets close to 55 days and a late one gets fewer.

Questions and answers

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Related card types

0% purchase credit cardsBalance transfer cardsBuy now, pay later style credit cardsFee-free credit cardsLow cash advance rate credit cardsLow interest rate credit cards

Sources

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Australian credit card statisticsHow CardIQ scores cards