CommBank
CommBank Neo Card
CommBank · cred and chrg cards
Provider last updated this product 2026-10-01.
Go to provider
You'll complete your application on
CommBank's website. Confirm the rate and fees with them
before applying.
A new way to pay with no interest, a low maximum credit limit and a simple monthly fee based on your limit.
Lending rates
| Type | Rate | Comparison | Purpose | Repayment | Fixed term | Applies to | Interest |
|---|---|---|---|---|---|---|---|
| CASH ADVANCE | 0.00% | - | OTHER | OTHER | - | - | calculated daily, paid monthly |
| 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. | |||||||
| PURCHASE | 0.00% | - | OTHER | OTHER | - | - | calculated daily, paid monthly |
Fees
| Fee | Type | Amount | Details |
|---|---|---|---|
| Additional cardholder fee | PERIODIC | $0 | Pay no additional cardholder fee to share the convenience of your card with someone else. |
| Late payment fee | LATE_PAYMENT | $0 | Late payment fees are not charged with CommBank Neo. |
| Emergency issue/ lost/ replacement card fee | REPLACEMENT | $20 | When you need an emergency replacement card delivered to you. |
| International transaction fee | TRANSACTION | 0.00% | Pay no international transaction fees for purchases you make overseas or online. |
| Monthly fee | PERIODIC | $15 | 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. |
| Monthly fee | PERIODIC | $20 | 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. |
| Monthly fee | PERIODIC | $25 | 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. |
Rate history
The figures behind this chart
| From | Until | Rate |
|---|---|---|
| 2026-07-15 | 2026-09-30 (current) | 0.00% |
Published figures as captured daily since 2026-07-15. A step is the day the provider's published figure changed; days without a published figure carry the last published value.
Features
- 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
Who can apply
- min age - 18The additional cardholder must be 16 years of age or older.
- natural personIndividuals must have the legal capacity to enter into the loan contract. Not available for non-personal borrowers.
- otherEach application for credit is assessed on the ability of the applicant to service debt (limit) based on the financials supplied in the application.
- otherApplications 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.
Limits
- max limit - 3000.00Note that the credit limit we give you will depend on your ability to meet your repayments.
- min limit - 1000.00Note that the credit limit we give you will depend on your ability to meet your repayments.
The provider's own documents
Published by the provider under the Consumer Data Right. These are their documents, not ours - they are the authority on this product.
Last updated by data holder: 2026-10-01T02:15:40.000Z · Product ID: ce01a5a0965b45d281b624ff2e6d2f12