In this guide

  • Our verdict
  • Details
    • Product details
    • Eligibility
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates & fees
  • Your reviews
  • Ask a question
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CommBank Business Interest-Free Days credit card

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CommBank Business Interest-Free Days Credit Card
Terms and conditions apply
Purchase rate
17.57% p.a.
Annual fee
$60 p.a.
Interest-free on purchases
Up to 55 days

Our verdict

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

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).


  • Offers a credit limit of up to $50,000, which is subject to application criteria and approval
  • Access to cashback offers promotions through the Commonwealth Bank Awards CommBank Yello Cashback Offers program
  • Comes with a competitive interest rate of 17.57% p.a. on cash advance transactions, such as ATM withdrawals or payment for travellers cheques


  • No rewards program, so you don't have the option of earning rewards points on your business purchases.
  • The additional cardholder fee of $60 is expensive considering other providers offer additional cards for free.

In this guide

  • Our verdict
  • Details
    • Product details
    • Eligibility
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates & fees
  • Your reviews
  • Ask a question

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.


Product details

Product Name CommBank Business Interest-Free Days Credit Card
Purchase rate p.a. 17.57%
Interest-free period Up to 55 days on purchases
Cash advance rate p.a. 17.57%
Min credit limit $500
Max credit limit $50,000
Card type Mastercard


Available to temporary residents Yes - Conditions apply
Joint application Yes


Bonus points N/A


Annual fee $60
Minimum monthly repayment 2.5% of the closing balance or $75, whichever is greater
Late payment fee $20
Foreign currency conversion fee 3%
Cash advance fee 1.5% 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 cardholders 1

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.
  • Complimentary transit accident insurance. Get peace of mind with complimentary transit accident insurance when you use this card to pay for your overseas trip before leaving Australia.

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.

Your reviews

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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?


May Finder

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.



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June 11, 2012

Can this card be linked to a frequent flyers program?


Jacob Finder

August 01, 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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