CommBankCommBank Neo Card
A new way to pay with no interest, a low maximum credit limit and a simple monthly fee based on your limit.
At a glance
- Purchase rate
- 0.00%
- Cash advance
- 0.00%
- Annual fee
- $0
- Foreign transaction fee
- 0.00%
Rates
Every rate CommBank publishes for this credit card, 2 in all.
| 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% | - | - |
Fees
7 fees published, grouped by when they're charged.
While you hold it4
- Additional cardholder fee
Pay no additional cardholder fee to share the convenience of your card with someone else.
No fee - Monthly fee
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…
$15 a month - Monthly fee
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…
$20 a month - Monthly fee
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…
$25 a month
When you make a transaction1
- International transaction fee
Pay no international transaction fees for purchases you make overseas or online.
0.00% of transaction
If a payment is late or fails1
- Late payment fee
Late payment fees are not charged with CommBank Neo.
No fee
When particular things happen1
- Emergency issue/ lost/ replacement card fee
When you need an emergency replacement card delivered to you.
$20
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…
Eligibility and 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.
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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.