Interest-Free Days credit card

General Lending Rates

Product Variations

Product Features

• Additional Cards Additional Information: Adding an additional cardholder is an easy way to share the convenience and accessibility of your CommBank credit card, without opening a new account. You can have one additional cardholder and they must be at least 16 years old. They'll get a card with their name but with your account number.

• Other Additional Information: Streamline your business banking and save time with automatic data feeds from your online banking to your accounting software.

• Bill Payment Additional Information: Through AutoPay you can choose to have the full closing balance, minimum amount due or a set amount (assuming it's more than the minimum amount due and less than the full closing balance) directly debited from a CommBank transaction account.

• Bill Payment Additional Information: See, track and easily pay your bills online in NetBank or on the go in the CommBank app.

• Other Additional Information: Instantly lock, block or limit your credit card for extra control through the CommBank app or NetBank.

• Complementary Product Discounts Additional Information: A program available exclusively to Mastercard cardholders that provides access to unforgettable experiences in the cities where you live and travel.

• Other Additional Information: Access a range of travel benefits through Travel Booking (provided by Hopper) for eligible customers.

• Digital Banking Additional Information: Wherever you are in the world, CommBank gives you the choice and control to securely manage all of your accounts on a range of devices, the way you want.

• Digital Wallet Additional Information: Pay with your Apple(TM) device using Apple Pay.

• Digital Wallet Additional Information: Pay with your Android(TM) phone using the CommBank app.

• Digital Wallet Additional Information: Pay with your Fitbit(TM) smartwatch using Fitbit Pay.

• Digital Wallet Additional Information: Pay with your Garmin(TM) smartwatch using Garmin Pay.

• Digital Wallet Additional Information: Pay with your Android(TM) device using Google Pay(TM).

• Digital Wallet Additional Information: Pay with your Samsung(TM) device using Samsung Pay.

• Other Additional Information: We help you stay on track with your credit card spending in the CommBank app.

• Interest Free Additional Information: Up to 55 days. We won't charge any interest on purchases if you pay at least the closing balance shown on your statement by the due date each and every month.

• Notifications Additional Information: Reminders before payments are due to avoid late fees.

• Notifications Additional Information: Turn Transaction Notifications on in the CommBank app and we'll instantly alert you when you pay using your CommBank credit card, and when you receive money into your everyday account.

• Other Additional Information: 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

• Instalment Plan Additional Information: Pay off eligible purchases or credit card balances in fixed monthly instalments. A set-up fee of 2%-5% of the purchase amount may apply on purchase plans depending on the term. Otherwise interest is charged on the plan amount.

Product Eligibility

• Min Age - 18. Additional Information: The additional cardholder may be 16 years of age or older.

• Residency Status - Au. Additional Information: Available to citizens or permanent resident of Australia and valid Visa holders. Make sure you are legally allowed to work in Australia.

• Residency Status - Nz. Additional Information: Available to citizens or permanent resident of NZ and valid Visa holders. Make sure you are legally allowed to work in Australia.

• Natural Person

• Other Additional Information: Each application for credit is assessed on the ability of the applicant to service debt (limit) based on the financials supplied in the application.

• Other Additional Information: Applications for credit cards are subject to credit approval.

Bank Fees and Charges

• Additional Cardholder Fee (Periodic), Amount: 60.00. Additional Information: 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), Amount: 60.00.

• Late Payment Fee (Event), Amount: 20.00. Additional Information: When you don't make your minimum monthly payment, plus any overdue amount, by your statement due date.

• Overlimit Fee (Event), Amount: 10.00. Additional Information: When we first allow you to go over your credit limit in a statement period.

• Emergency Issue/ Lost/ Replacement Card Fee (Event), Amount: 20.00. Additional Information: When you need an emergency replacement card delivered to you.

• International Transaction Fee (mastercard And Visa Transactions) (Transaction), Amount: Not Listed.. Additional Information: When you make a transaction that is converted by Mastercard or Visa from a foreign currency to Australian dollars.

• Atm Cash Advance Charge (Withdrawal), Amount: Not Listed.. Additional Information: 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 cash advance amount. A maximum charge of $150.00 applies (or a flat fee of $2.50 if your closing balance on the previous day was in credit).

• Commonwealth Bank Over-the-counter Cash Advance Charge (Withdrawal), Amount: Not Listed.. Additional Information: 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 closing balance on the previous day was in credit).

• Commonwealth Bank Over-the-counter Cash Advance Charge (Withdrawal), Amount: 2.50. Additional Information: 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 closing balance on the previous day was in credit).

• Non-commonwealth Bank Over-the-counter Cash Advance Charge (Withdrawal), Amount: Not Listed.. Additional Information: 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 (or a flat fee of $2.50 if your closing balance on the previous day was in credit).

• Non-commonwealth Bank Over-the-counter Cash Advance Charge (Withdrawal), Amount: 3.00. Additional Information: 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 (or a flat fee of $2.50 if your closing balance on the previous day was in credit).

• Any Other Commonwealth Bank Network Cash Advance Charge (Withdrawal), Amount: Not Listed.. Additional Information: 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 Transfer Home Loan, Mobile Bank Transfer and NetBank Transfer Personal Loan. 1.5% of the cash advance amount. A maximum charge of $150.00 applies (or a flat fee of $2.50 if your closing balance on the previous day was in credit).

• Any Other Commonwealth Bank Network Cash Advance Charge (Withdrawal), Amount: 2.50. Additional Information: 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 Transfer Home Loan, Mobile Bank Transfer and NetBank Transfer Personal Loan. 1.5% of the cash advance amount. A maximum charge of $150.00 applies (or a flat fee of $2.50 if your closing balance on the previous day was in credit).

• Overseas Terminal Or Bank Cash Advance Charge (Withdrawal), Amount: Not Listed.. Additional Information: $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 $2.50 if your closing balance on the previous day was in credit).

• Overseas Terminal Or Bank Cash Advance Charge (Withdrawal), Amount: 4.00. Additional Information: $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 $2.50 if your closing balance on the previous day was in credit).

• Cash Equivalent Items Or Cash Substitutes Cash Advance Charge (Purchase), Amount: Not Listed.. Additional Information: 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 such items. 1.5% of the cash advance amount. A maximum charge of $150.00 applies (or a flat fee of $2.50 if your closing balance on the previous day was in credit).

• International Transaction Fee (transactions In Australian Dollars But With An Overseas Connection) (Transaction), Amount: Not Listed.. Additional Information: 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 processing the transaction, is located overseas.

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