CommBank
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.
Credit cardsBank updated 23 Sept 2026
At a glance
- Purchase rate
- 0.00%
- Cash advance
- 0.00%
- Annual fee
- $0
- Foreign transaction fee
- 0.00%
§ 01 — Rates · 2
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Cash advanceCash 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 authorisa… | — | — | — | 0.00% | — | — |
| Purchase | — | — | — | 0.00% | — | — |
§ 02 — Fees · 7
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| Late payment fee | Late payment | No fee | 1 days after due | Late payment fees are not charged with CommBank Neo. |
| Additional cardholder fee | Periodic | No fee | Every 1 yr | Pay no additional cardholder fee to share the convenience of your card with someone else. |
| Monthly fee | Periodic | $15 | Every 1 mo | 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 n… If you don't have any processed transactions in a given statement period and pay your previous statement closing balance in full by the due date, you won't be charged a monthly fee of $15 for that st… |
| Monthly fee | Periodic | $20 | Every 1 mo | 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 n… If you don't have any processed transactions in a given statement period and pay your previous statement closing balance in full by the due date, you won't be charged a monthly fee of $20 for that st… |
| Monthly fee | Periodic | $25 | Every 1 mo | 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 n… If you don't have any processed transactions in a given statement period and pay your previous statement closing balance in full by the due date, you won't be charged a monthly fee of $25 for that st… |
| Emergency issue/ lost/ replacement card fee | Replacement | $20 | — | When you need an emergency replacement card delivered to you. |
| International transaction fee | Transaction | 0.00% of transaction | — | Pay no international transaction fees for purchases you make overseas or online. |
§ 03 — Features
Digital bankingFraud protection1 additional cardsApple PayCommBank Tap and PayGarmin PayGoogle PaySamsung Pay
- · 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…
§ 04 — Eligibility & limits
- · Minimum age 18
- · Residency: NZ
- · Available to individuals
- · Amount $1,000 to $3,000
- · 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.
§ 06 — Run the numbers
Put this product through a calculator
Published by CommBank under the Consumer Data Right, last changed by them on 23 Sept 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.