CommBank Business Interest-Free Days credit card

Manage your business spending and cash flow with up to 55 days interest-free on purchases and the option of additional cardholders.

The CommBank Business Interest-Free Days Credit Card has a $60 annual fee per cardholder and can be integrated with MYOB, Xero or QuickBooks accounting software.

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5.99% p.a.

Balance transfer rate

for 5 months

17.57% p.a.

Purchase rate

$60 p.a.

Annual fee

55 days

Interest free period

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Product NameCommBank Business Interest-Free Days Credit Card
Balance transfer rate5.99% p.a. for 5 months
Balance transfer revert rateCash Advance Rate (17.57% p.a.)
Purchase rate17.57% p.a.
Annual fee$60
Interest-free periodUp to 55 days on purchases
Cash advance rate17.57% p.a.
Min credit limit$500
Max credit limit$50,000
Card typeMastercard
Foreign currency conversion fee3%
Available to temporary residentsYes - Conditions apply
Joint applicationYes


  • This card offers a credit limit of up to $50,000, which is subject to application criteria and approval.
  • You can get coverage of up to $250,000 with the complimentary transit accident insurance.
  • This card comes with a competitive interest rate of 17.57% p.a. on cash advance transactions, such as ATM withdrawals or payment for travellers cheques.


  • There is no rewards program, so you don't have the option of earning rewards points for your business purchases. Considering most business spending far exceeds personal credit card spending, you could be missing out on a considerable amount of rewards points.
  • The additional cardholder fee of $60 is expensive considering other business cards offer additional cards for free.
Bonus pointsN/A
Annual fee$60
Minimum monthly repayment2.5% of the closing balance or $75, whichever is greater
Late payment fee$20
Foreign currency conversion fee3%
Cash advance fee1.5% or $2.50, whichever is greater
Overseas cash advance fee$4.00 or 1.5% of the cash advance amount (whichever is greater)
Additional cardholder fee$60
Number of additional cardholders1

Review by

Amy Bradney-George has been writing about personal finance for more than 13 years – including over 600 articles as a senior writer for Finder. Her work has also appeared in publications including Money Magazine, The Sydney Morning Herald, Financy, ABC News Australia and Equity Magazine. Amy has a Bachelor of Arts in Journalism and Drama from Griffith University.

Expert review

If you’re a small business owner, the CommBank Business Interest-Free Days credit card gives you a way to keep personal and work spending separate – which could save you time preparing your tax returns and lodging BAS (Business Activity Statements).

How to apply

If you want to get this card for your business, you can apply online by filling out a secure application form. Get started by checking that you meet the following eligibility requirements and have all the details and documents you need to apply.

Eligibility criteria

  • Residency. You must be legally allowed to work in Australia. If you are on a visa, you should provide details of that visa and proof that you can work in Australia.
  • Business status. As this is a personal liability card, you can only apply for it if you are the owner of the business and plan to use it for business spending.

Card benefits

  • Interest-free days. When you pay your closing balance in full by the due date each statement period, you can get up to 55 days interest-free on purchases. Note that interest-free days do not apply when you carry a balance, including from a balance transfer.
  • Balance transfer offer. Get 5.99% p.a. on balance transfers for 5 months when you move an existing balance across to this account. At the end of the introductory period, any remaining debt from the balance transfer will attract the card's cash advance rate of 17.57% p.a.

Rates & fees

  • Annual fee. The Business Interest-Free Days credit card attracts an annual fee of $60, which is competitive when compared to other business credit cards.
  • Additional cardholders. If you want to share this account with employees, a $60 annual fee applies for each additional card.

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    Default Gravatar
    October 27, 2016

    When you check the CBA website it says nothing about the $250 cash back offer. Are you sure that the $250 cash back offer is still being offered? Why wouldn’t CBA promote this on their site?

      Avatarfinder Customer Care
      October 28, 2016

      Hi Ryan,

      Thank you for your comment.

      Although the cashback promotion was not mentioned on CBA’s page, but we can confirm that with the Commonwealth Bank Business Interest-Free Days credit card, you’ll be able to get the $250 cash back offer by meeting the following:

      1. You are a new customer and have not held any CBA business credit card before
      2. You apply for this card by 31 October 2016
      3. Once approved, you spend $500 on eligible purchases using your new Business Interest-Free Days credit card by 31 December 2016

      If you wish to apply to take advantage of the cash back offer, please review the criteria and click on the green ‘Go to site’ button above.


    Default Gravatar
    June 11, 2012

    Can this card be linked to a frequent flyers program?

      Avatarfinder Customer Care
      August 1, 2012

      Hi Richard. The Commonwealth Bank Business Interest Free Days Credit Card doesn’t earn reward points, but rather gives cardholders access to discounts on certain products. These discounts are currently offered on some Commonwealth bank, Dell, Toll Priority and Cellarmasters products. Frequent flyer accounts can’t be linked to this card, although they can be linked to the Business Awards credit card. Thanks for your question.

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