CommBank Neo Card
A new way to pay with no interest, a low maximum credit limit and a simple monthly fee based on your limit.
- Purchase rate
- 0%
- Annual fee
- $0.00
Interest Rates
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Cash advance Cash advances are blocked by default on this product. CBA is unable to block cash advance transactions that aren’t sent to us for authorisation. Where transactions are processed without CBA authorisation, no additional fees or interest will be charged. | 0% | — | — |
| Purchase | 0% | — | — |
Fees
| Fee | Type | Amount |
|---|---|---|
| Additional cardholder fee Charged yearly · Pay no additional cardholder fee to share the convenience of your card with someone else. | Ongoing | $0.00 |
| Late payment fee Late payment fees are not charged with CommBank Neo. | Late payment | $0.00 |
| Emergency issue/ lost/ replacement card fee When you need an emergency replacement card delivered to you. | Replacement | $20.00 |
| International transaction fee Pay no international transaction fees for purchases you make overseas or online. | Transaction | 0% of transaction |
| Monthly fee Charged monthly · Monthly fee of $15, $20 or $25 depending on your credit limit. $15 per month for a $1,000 credit limit, $20 per month for a $2,000 credit limit or $25 per month for a $3,000 credit limit. If you do not have any processed transactions in a given statement period and pay your previous statement closing balance in full by the due date, you will not be charged a monthly fee for that statement period.
| Ongoing |
Features
- Additional cards — up to 1
- Adding an additional cardholder is an easy way to share the convenience and accessibility of your CommBank Neo card with someone else, 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.
- Bill payment (BPAY) — AutoPay
- 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.
- Bill payment (BPAY) — BPAY View
- 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.
- Discounts on other products — Priceless Cities
- A program available exclusively to Mastercard cardholders that provides access to unforgettable experiences in the cities where you live and travel.
Eligibility
- Minimum age — 18 yearsThe additional cardholder must be 16 years of age or older.
- Individuals onlyIndividuals must have the legal capacity to enter into the loan contract. Not available for non-personal borrowers.
- Each application for credit is assessed on the ability of the applicant to service debt (limit) based on the financials supplied in the application.
- Applications for CommBank cards are subject to credit approval.
- Residency status — AUAvailable to citizens or permanent residents of Australia and valid visa holders. Make sure you are legally allowed to work in Australia.
- Residency status — NZAvailable to citizens or permanent residents of NZ and valid visa holders. Make sure you are legally allowed to work in Australia.
Constraints
- Maximum limit — $3,000.00Note that the credit limit we give you will depend on your ability to meet your repayments.
- Minimum limit — $1,000.00Note that the credit limit we give you will depend on your ability to meet your repayments.
More Information
Published by CommBank under the Consumer Data Right · Last updated 16 July 2026 · Product ID ce01a5a0965b45d281b624ff2e6d2f12 · View on CDR.gov.au