CommBank Neo Card
Pros & cons
What's good
- 10% back in Travel Credits
- Charges a monthly fee based on your selected credit limit
- The monthly fee is refunded if you don't carry a balance or make purchases
Worth noting
- Maximum available credit limit of $3,000 is low compared to standard credit cards
- Unable to make cash advances
- You will not earn CommBank Awards points for your spending
Card details
The basics
- Additional cardholders
- 1 ($0 p.a.)
- Card setup
- Single card
- Card tier
- Standard
- Card type
- Mastercard
- Card use
- Personal
- Credit limit
- $1,000 – $3,000
- Credit rating
- Good
- Rewards program
- None
Eligibility
- Instant approval
- No
- Joint application
- No
- Minimum age
- 18 years old
- Minimum income
- Not specified
- Residency
- Australian citizen or permanent resident
- Temporary residents
- Eligible
Repayments
- Interest charged from
- Purchase date
- Interest-free period
- Up to 0 days on purchases
- Minimum repayment
- 2% of the closing balance or $25, whichever is greater
Balance transfers
This card doesn't currently offer a promotional balance transfer rate.
Rates & fees
Ongoing interest rates
- Cash advances
- 0.00% p.a.
- Purchases
- 0.00% p.a.
Fees
- Additional cardholder fee
- $0
- Annual fee
- No annual fee
- Cash advance fee
- —
- Foreign transaction fee
- 0%
- Late payment fee
- $0
Rewards
This card doesn't earn rewards points. It focuses on a low cost of ownership instead. If earning points matters to you, compare frequent flyer cards and rewards cards.
How this card stacks up
Calculated estimates that show where this card sits against the 227 cards in our database.
No annual fee — that puts it among the third of cards in our database that cost nothing to hold.
Lower than 0% of cards we list — that's a very low rate.
Total annual fees across three years, so a promotional first year doesn't flatter the headline figure.
Days you can avoid interest by paying in full — no interest-free period for the market.
That's below average for Standard cards — a fairer comparison than measuring it against $0 cards in other tiers.
A combined read on annual, foreign, cash-advance and late fees across all the ways a card can cost you.
Calculated metrics are estimates based on assumed spending patterns and point valuations and should not be taken as financial advice. Point values used: Qantas/Star Alliance 1.2c, Velocity 1.0c, all other programs 0.5–0.8c per point. Percentile rankings are based on 227 cards in the CreditCardCompare.com.au database as at June 2026. Seek independent financial advice before applying for any credit product.
User reviews
Based on 0 reviews
How it compares
| Card | Purchase rate | Annual fee | Rewards |
|---|---|---|---|
| CommBank Neo Card (this card) | 0.00% p.a. | No annual fee | — |
| Kogan Money Credit Card - Balance Transfer Exclusive Offer | 21.99% p.a. | No annual fee | 1 pt per $1 spent |
| Latitude 28° Global Platinum Mastercard | 28.99% p.a. | No annual fee | — |
| Coles No Annual Fee Mastercard | 20.74% p.a. | No annual fee | 0.5 pt per $1 spent |
Compare more credit cards
This card appears in the types below. Open one to compare it against every other card we list.
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