{
  "snapshot_at": "2026-11-12T02:35:51Z",
  "brand": "CommBank",
  "brand_slug": "commbank",
  "product_id": "5b47845a7f0044e58db616bb734e8350",
  "cdr_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/5b47845a7f0044e58db616bb734e8350",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://api.commbank.com.au/public/cds-au/v1/banking/products/5b47845a7f0044e58db616bb734e8350'",
  "note": "Verbatim `data` object of the bank's CDR product detail response, as fetched. The live endpoint needs the x-v header shown in how_to_fetch and will not open in a browser.",
  "data": {
    "features": [
      {
        "featureType": "ADDITIONAL_CARDS",
        "additionalValue": "1",
        "additionalInfo": "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.",
        "additionalInfoUri": "https://www.commbank.com.au/support.credit-cards.add-additional-cardholder.html"
      },
      {
        "featureType": "BILL_PAYMENT",
        "additionalValue": "AutoPay",
        "additionalInfo": "Through AutoPay, you can choose to have the full closing balance, the minimum amount due, or set an amount debited from your chosen CommBank transaction account. If the set amount isn't enough to cover the minimum payment shown on your current statement, we'll take out more to cover the difference. If the set amount is more than your closing balance shown on your current statement, only the closing balance amount is debited.",
        "additionalInfoUri": "https://www.commbank.com.au/support.credit-cards.set-up-autopay.html"
      },
      {
        "featureType": "BILL_PAYMENT",
        "additionalValue": "BPAY View",
        "additionalInfo": "With BPAY View you can switch to online bills & ask billers to send them directly to the CommBank app or NetBank, making it easy to see, track, and pay bills online.",
        "additionalInfoUri": "https://www.commbank.com.au/digital-banking/bpay-view.html"
      },
      {
        "featureType": "INSURANCE",
        "additionalValue": "Transit Accident Insurance",
        "additionalInfoUri": "https://www.xcover.com/en/pds/__D38EC__cba-nac-main"
      },
      {
        "featureType": "INSURANCE",
        "additionalValue": "Unauthorised Transaction Insurance",
        "additionalInfoUri": "https://www.xcover.com/en/pds/__D38EC__cba-nac-main"
      },
      {
        "featureType": "COMPLEMENTARY_PRODUCT_DISCOUNTS",
        "additionalValue": "Priceless Cities",
        "additionalInfo": "A program available exclusively to Mastercard cardholders that provides access to unforgettable experiences in the cities where you live and travel.",
        "additionalInfoUri": "https://www.priceless.com/"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Streamline your business banking and save time with automatic data feeds from your online banking to your accounting software.",
        "additionalInfoUri": "https://www.commbank.com.au/business/automated-bank-feeds-to-accounting-software.html"
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "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.",
        "additionalInfoUri": "https://www.commbank.com.au/digital-banking.html"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Apple Pay",
        "additionalInfo": "Pay with your Apple(TM) device using Apple Pay.",
        "additionalInfoUri": "https://www.commbank.com.au/digital-banking/mobile-payments-wearables/apple-pay.html"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "CommBank Tap and Pay",
        "additionalInfo": "Pay with your Android(TM) phone using the CommBank app.",
        "additionalInfoUri": "https://www.commbank.com.au/digital-banking/tap-and-pay.html"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Garmin Pay",
        "additionalInfo": "Pay with your Garmin(TM) smartwatch using Garmin Pay.",
        "additionalInfoUri": "https://www.commbank.com.au/digital-banking/mobile-payments-wearables/garmin-pay.html"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Google Pay",
        "additionalInfo": "Pay with your Android(TM) device using Google Pay(TM).",
        "additionalInfoUri": "https://www.commbank.com.au/digital-banking/mobile-payments-wearables/google-pay.html"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Samsung Pay",
        "additionalInfo": "Pay with your Samsung(TM) device using Samsung Pay.",
        "additionalInfoUri": "https://www.commbank.com.au/digital-banking/mobile-payments-wearables/samsung-pay.html"
      },
      {
        "featureType": "INSTALMENT_PLAN",
        "additionalInfo": "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.",
        "additionalInfoUri": "https://www.commbank.com.au/credit-cards/manage/surepay-instalment-plans.html"
      },
      {
        "featureType": "FRAUD_PROTECTION",
        "additionalInfo": "Instantly lock, block or limit your credit card for extra control through the CommBank app or NetBank.",
        "additionalInfoUri": "https://www.commbank.com.au/digital-banking/lock-block-limit-your-credit-card.html"
      },
      {
        "featureType": "INTEREST_FREE",
        "additionalValue": "P55D",
        "additionalInfo": "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."
      },
      {
        "featureType": "NOTIFICATIONS",
        "additionalValue": "Payment reminders",
        "additionalInfo": "Reminders before payments are due to avoid late fees."
      },
      {
        "featureType": "NOTIFICATIONS",
        "additionalValue": "Transaction Notifications",
        "additionalInfo": "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.",
        "additionalInfoUri": "https://www.commbank.com.au/digital-banking/transaction-notifications.html"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "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.",
        "additionalInfoUri": "https://www.commbank.com.au/digital-banking/qr-cardless.html"
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "We help you stay on track with your credit card spending in the CommBank app.",
        "additionalInfoUri": "https://www.commbank.com.au/digital-banking/spend-tracker-insights.html"
      }
    ],
    "constraints": [
      {
        "constraintType": "MAX_LIMIT",
        "additionalValue": "50000.00",
        "additionalInfo": "Unsecured credit limit of up to $50,000 (based on eligibility criteria)."
      },
      {
        "constraintType": "MIN_LIMIT",
        "additionalValue": "500.00",
        "additionalInfo": "Minimum credit limit of $500. Note that the credit limit we give you depend on your ability to meet your repayments."
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "BUSINESS"
      },
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "18",
        "additionalInfo": "Primary cardholder must be at least 18 years old. Additional cardholder may be 16 years of age or older.",
        "additionalInfoUri": "https://www.commbank.com.au/credit-cards/what-you-need-to-apply.html"
      },
      {
        "eligibilityType": "NATURAL_PERSON",
        "additionalInfo": "Individuals must have the legal capacity to enter into the loan contract."
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Applications for credit cards are subject to credit approval."
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Each application for credit is assessed on the ability of the applicant to service debt (limit) based on the financials supplied in the application."
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "AU",
        "additionalInfo": "Available to citizens or permanent resident of AU and valid Visa holders. Make sure you are legally allowed to work in Australia."
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "NZ",
        "additionalInfo": "Residency Status: An eligibility constraint based on citizenship, permanent residency or visa status applies, or a combination of these.",
        "additionalInfoUri": "https://www.commbank.com.au/credit-cards/what-you-need-to-apply.html"
      }
    ],
    "fees": [
      {
        "name": "Additional cardholder fee",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "60.00"
        },
        "currency": "AUD",
        "additionalValue": "P1Y",
        "additionalInfo": "Payable at the same time as your annual fee if you'd like to share the convenience of your card with someone else.",
        "additionalInfoUri": "https://www.commbank.com.au/content/dam/commbank/business/pds/003-840-personal-liability-card-fees.pdf"
      },
      {
        "name": "Annual Fee",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "60.00"
        },
        "currency": "AUD",
        "additionalValue": "P1Y",
        "additionalInfo": "Payable each year, giving you access to the features and benefits of your credit card.",
        "additionalInfoUri": "https://www.commbank.com.au/content/dam/commbank/business/pds/003-840-personal-liability-card-fees.pdf"
      },
      {
        "name": "Late payment fee",
        "feeType": "LATE_PAYMENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "20.00"
        },
        "currency": "AUD",
        "additionalValue": "1",
        "additionalInfo": "When you don't make your minimum monthly payment, plus any overdue amount, by your statement due date.",
        "additionalInfoUri": "https://www.commbank.com.au/content/dam/commbank/business/pds/003-840-personal-liability-card-fees.pdf"
      },
      {
        "name": "Overlimit fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.00"
        },
        "currency": "AUD",
        "additionalInfo": "Charged when we first allow you to exceed your credit limit in a statement period",
        "additionalInfoUri": "https://www.commbank.com.au/content/dam/commbank/business/pds/003-840-personal-liability-card-fees.pdf"
      },
      {
        "name": "Emergency issue/ lost/ replacement card fee",
        "feeType": "REPLACEMENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "20.00"
        },
        "currency": "AUD",
        "additionalInfo": "When you need an emergency replacement card delivered to you.",
        "additionalInfoUri": "https://www.commbank.com.au/content/dam/commbank/business/pds/003-840-personal-liability-card-fees.pdf"
      },
      {
        "name": "International transaction fee (Mastercard and Visa transactions)",
        "feeType": "TRANSACTION",
        "feeMethodUType": "rateBased",
        "rateBased": {
          "rateType": "TRANSACTION",
          "rate": "0.03"
        },
        "feeCap": "150.00",
        "feeCapPeriod": "P1D",
        "currency": "AUD",
        "additionalInfo": "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.",
        "additionalInfoUri": "https://www.commbank.com.au/content/dam/commbank/business/pds/003-840-personal-liability-card-fees.pdf"
      },
      {
        "name": "ATM cash advance charge",
        "feeType": "CASH_ADVANCE",
        "feeMethodUType": "rateBased",
        "rateBased": {
          "rateType": "TRANSACTION",
          "rate": "0.015",
          "amountRange": {
            "feeMinimum": "2.50",
            "feeMaximum": "150.00"
          }
        },
        "feeCap": "150.00",
        "feeCapPeriod": "P1D",
        "currency": "AUD",
        "additionalInfo": "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).",
        "additionalInfoUri": "https://www.commbank.com.au/content/dam/commbank/business/pds/003-840-personal-liability-card-fees.pdf"
      },
      {
        "name": "Commonwealth Bank over-the-counter cash advance charge",
        "feeType": "CASH_ADVANCE",
        "feeMethodUType": "rateBased",
        "rateBased": {
          "rateType": "TRANSACTION",
          "rate": "0.015",
          "amountRange": {
            "feeMinimum": "2.50",
            "feeMaximum": "150.00"
          }
        },
        "feeCap": "150.00",
        "feeCapPeriod": "P1D",
        "currency": "AUD",
        "additionalInfo": "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).",
        "additionalInfoUri": "https://www.commbank.com.au/content/dam/commbank/business/pds/003-840-personal-liability-card-fees.pdf"
      },
      {
        "name": "Non-Commonwealth Bank over-the-counter cash advance charge",
        "feeType": "CASH_ADVANCE",
        "feeMethodUType": "rateBased",
        "rateBased": {
          "rateType": "TRANSACTION",
          "rate": "0.015",
          "amountRange": {
            "feeMinimum": "3.00",
            "feeMaximum": "150.00"
          }
        },
        "feeCap": "150.00",
        "currency": "AUD",
        "additionalInfo": "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 $3.00 if your closing balance on the previous day was in credit).",
        "additionalInfoUri": "https://www.commbank.com.au/content/dam/commbank/business/pds/003-840-personal-liability-card-fees.pdf"
      },
      {
        "name": "Any other Commonwealth Bank Network cash advance charge",
        "feeType": "CASH_ADVANCE",
        "feeMethodUType": "rateBased",
        "rateBased": {
          "rateType": "TRANSACTION",
          "rate": "0.015",
          "amountRange": {
            "feeMinimum": "2.50",
            "feeMaximum": "150.00"
          }
        },
        "feeCap": "150.00",
        "currency": "AUD",
        "additionalInfo": "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).",
        "additionalInfoUri": "https://www.commbank.com.au/content/dam/commbank/business/pds/003-840-personal-liability-card-fees.pdf"
      },
      {
        "name": "Overseas terminal or bank cash advance charge",
        "feeType": "CASH_ADVANCE",
        "feeMethodUType": "rateBased",
        "rateBased": {
          "rateType": "TRANSACTION",
          "rate": "0.015",
          "amountRange": {
            "feeMinimum": "4.00",
            "feeMaximum": "150.00"
          }
        },
        "feeCap": "150.00",
        "currency": "AUD",
        "additionalInfo": "$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 $4.00 if your closing balance on the previous day was in credit).",
        "additionalInfoUri": "https://www.commbank.com.au/content/dam/commbank/business/pds/003-840-personal-liability-card-fees.pdf"
      },
      {
        "name": "Cash equivalent items or cash substitutes cash advance charge",
        "feeType": "PURCHASE",
        "feeMethodUType": "rateBased",
        "rateBased": {
          "rateType": "TRANSACTION",
          "rate": "0.015",
          "amountRange": {
            "feeMinimum": "2.50",
            "feeMaximum": "150.00"
          }
        },
        "feeCap": "150.00",
        "feeCapPeriod": "P1D",
        "currency": "AUD",
        "additionalInfo": "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).",
        "additionalInfoUri": "https://www.commbank.com.au/content/dam/commbank/business/pds/003-840-personal-liability-card-fees.pdf"
      },
      {
        "name": "International transaction fee (Transactions in Australian dollars but with an overseas connection)",
        "feeType": "TRANSACTION",
        "feeMethodUType": "rateBased",
        "rateBased": {
          "rateType": "TRANSACTION",
          "rate": "0.03"
        },
        "currency": "AUD",
        "additionalInfo": "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. For cash advances, the cash advance fee will also apply.",
        "additionalInfoUri": "https://www.commbank.com.au/content/dam/commbank/business/pds/003-840-personal-liability-card-fees.pdf"
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "CASH_ADVANCE",
        "rate": "0.1757",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "UNCONSTRAINED",
        "loanPurpose": "OTHER"
      },
      {
        "lendingRateType": "PURCHASE",
        "rate": "0.1757",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "OTHER",
        "loanPurpose": "OWNER_OCCUPIED"
      }
    ],
    "productId": "5b47845a7f0044e58db616bb734e8350",
    "lastUpdated": "2026-11-12T02:15:46.000Z",
    "productCategory": "CRED_AND_CHRG_CARDS",
    "name": "Interest-Free Days credit card",
    "description": "Designed for those looking for a card with a competitive interest-free period to help with business cash flow.",
    "brand": "CBA",
    "brandName": "CommBank",
    "applicationUri": "https://www.commbank.com.au/business/business-credit-cards/business-interest-free-days-credit-card.html",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.commbank.com.au/business/business-credit-cards/business-interest-free-days-credit-card.html",
      "termsUri": "https://www.commbank.com.au/content/dam/commbank/personal/apply-online/download-printed-forms/cc2-cou.pdf",
      "eligibilityUri": "https://www.commbank.com.au/business/business-credit-cards/business-interest-free-days-credit-card.html",
      "feesAndPricingUri": "https://www.commbank.com.au/content/dam/commbank/business/pds/003-840-personal-liability-card-fees.pdf"
    },
    "cardArt": [
      {
        "cardScheme": "MASTERCARD",
        "cardType": "CREDIT",
        "title": "Business Interest-Free Days credit card",
        "imageUri": "https://www.commbank.com.au/content/dam/commbank-assets/open-banking/credit-cards/personal-liability/mastercard-business-interest-free-credit-card.png"
      }
    ]
  }
}