Interest-free Low Fee credit card
Credit & Charge CardsData Sharing Status
CommBank's simplest credit card yet with no interest and no late fees. Just a simple monthly fee.
- Purchase rate
- 0%
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 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.
| 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.
Eligibility
- Minimum age — 18 years
- Individuals onlyIndividuals 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 — AUYou must have an Australian residential address.
Constraints
- Maximum limit — $1,500.00Note the credit limit we give you will depend on your requirements and objectives, and financial situation.
- Minimum limit — $400.00Note the credit limit we give you will depend on your requirements and objectives, and financial situation.
More Information
Published by CommBank under the Consumer Data Right · Last updated 16 July 2026 · Product ID d34e453e721640f983c03922f567463a · View on CDR.gov.au