--- title: "Interest-free Low Fee credit card — CommBank" description: "Credit & Charge Cards from CommBank. Rates, fees, features and eligibility as published under Australia's Consumer Data Right." canonical: https://www.cdrcompare.au/brands/commbank/products/d34e453e721640f983c03922f567463a source: "CDR Compare" language: en-AU last_updated: 2026-08-28T02:15:37.000Z --- # Interest-free Low Fee credit card — CommBank > Credit & Charge Cards from CommBank. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare. **Credit & Charge Cards** CommBank's simplest credit card yet with no interest and no late fees. Just a simple monthly fee. ## At a glance - **Purchase rate:** 0% ## Apply Applications are handled by the provider: [Apply at CommBank](https://www.commbank.com.au/credit-cards/interest-free-low-fee.html) ## Interest rates | Type | Rate | Comparison | Applies to | | --- | --- | --- | --- | | Purchase | 0% | — | — | ## Fees | Fee | Type | Amount | | --- | --- | --- | | International transaction fee — Pay no international transaction fees for purchases you make overseas or online. | Transaction | 0% of transaction | | Late payment fee — 1 · Late payment fees are not charged. | Late payment | $0.00 | | Monthly fee — Charged monthly · Monthly fee of $10. 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. · Discount −$10.00 — 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 of $10 for that statement period. (eligibility: Other: 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 | $10.00 | ## Features - **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.) - **Cashback offer** — CommBank Yello (Get access to exclusive benefits, cashbacks and discounts with CommBank Yello.) - **Digital banking** (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 banking** (With Bill Sense, you can see how much you'll need to cover bills each month - up to 12 months in advance - on one simple timeline in the CommBank app. We predict your bills based on patterns in your transactions, how much you pay and when. We may not predict all of your bills.) - **Digital wallet** — Apple Pay (Pay with your Apple(TM) device using Apple Pay.) - **Digital wallet** — CommBank Tap and Pay (Pay with your Android(TM) phone using the CommBank app.) - **Digital wallet** — Garmin Pay (Pay with your Garmin(TM) smartwatch using Garmin Pay.) - **Digital wallet** — Google Pay (Pay with your Android(TM) device using Google Pay(TM).) - **Digital wallet** — Samsung Pay (Pay with your Samsung(TM) device using Samsung Pay.) - **Fraud protection** (Instantly lock, block or limit your card for extra control through the CommBank app or NetBank.) - **Use instore and online at millions of locations, everywhere Mastercard is accepted. A Mastercard allows you to pay for things using your card, smartphone or wearable. You may receive access to other features and benefits associated with your Mastercard subject to terms and conditions** - **Notifications** — Billing notifications (We'll tell you when your online bill payment is due.) - **Notifications** — Overlimit notifications (We'll notify you when you go over your limit so you can make a payment in time and prevent an overlimit fee from being charged to your account. (Only applies to accounts opened before 1 July 2012).) - **Notifications** — Payment reminders (Reminders before payments are due.) - **Notifications** — Transaction Notifications (Turn Transaction Notifications on in the CommBank app and we'll instantly alert you when you pay using your CommBank Interest-free Low Fee credit card, and when you receive money into your everyday account.) - **Digital banking** (We help you stay on track with your card spending in the CommBank app.) ## Eligibility - **Minimum age** — 18 years - **Individuals only** (Individuals must have the legal capacity to enter into the loan contract. Not available for non-personal borrowers.) - **Applications for Interest-free Low fee credit card are subject to CBA's lending policy for new Low Cost Credit Contracts.** - **Residency status** — AU (You must have an Australian residential address.) ## Constraints - **Maximum limit** — $1,500.00 (Note the credit limit we give you will depend on your requirements and objectives, and financial situation.) - **Minimum limit** — $400.00 (Note the credit limit we give you will depend on your requirements and objectives, and financial situation.) ## More information from CommBank - [Overview](https://www.commbank.com.au/credit-cards/interest-free-low-fee.html) - [Terms & conditions](https://www.commbank.com.au/personal/apply-online/download-printed-forms/008-188-interest-free-low-fee.pdf) - [Fees & pricing](https://www.commbank.com.au/personal/apply-online/download-printed-forms/ADB1682.pdf) ## Data provenance - Published by CommBank under the Consumer Data Right - Product ID: `d34e453e721640f983c03922f567463a` - Last updated by the provider: 28 August 2026 - Source payload (JSON): https://www.cdrcompare.au/api/raw/commbank/d34e453e721640f983c03922f567463a - Provider page: https://www.cdrcompare.au/brands/commbank - CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000008 --- Source: [CDR Compare](https://www.cdrcompare.au/brands/commbank/products/d34e453e721640f983c03922f567463a) — product data published by Australian data holders under the Consumer Data Right. 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