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⚖ Add to comparisonCommonwealth Bank of Australia · Mastercard
CommBank Neo Credit Card
A no-interest card built for predictable repayments: there's a flat monthly fee tied to your credit limit and 0% interest ever, plus no international transaction fee, so it's genuinely useful for someone who tends to carry a balance. The cost is real though, since the monthly fee applies in any month you spend or carry a balance, and there are no rewards or points at all. If you pay in full each month, a rewards or cashback card beats it outright; confirm the fee tiers on CommBank's site.
⟳ Rates & fees verified June 2026 — always confirm the current terms on the issuer's official site before applying.
What you earn
- ✓No interest is ever charged on purchases
- ✓Pay a single flat monthly fee set by your credit limit
- ✓No international transaction fees apply
- ✓Pay nothing in any month you don't use the card
👍 Pros
- + Zero interest with costs you can predict
- + No foreign transaction fees
- + No fee in months when you don't spend
👎 Cons
- – The monthly fee applies any month you spend or carry a balance
- – Earns no rewards or points
- – Credit limits run lower than premium cards
Can you get it?
- ▸Be an Australian resident or an eligible visa holder
- ▸Be 18 years of age or older
- ▸Meet the minimum income requirement
- ▸Hold a good credit record
Requirements are general guidance — the issuer makes the final decision. Learn more about card requirements →
Decided on the CommBank Neo Credit Card?
Finish your application on CommBank's own secure site.
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