Choose the version of this credit card that suits you best
| Name | Rewards program | |
|---|---|---|
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Neo ($22/month - $3,000 Credit Limit) | n/a |
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Neo ($18/month - $2,000 Credit Limit) | n/a |
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Neo ($12/month - $1,000 Credit Limit) | n/a |
Don’t like interest rates or a whole bunch of fees on your credit card? The innovative Commonwealth Bank Neo might be what you need. Instead of charging interest, with this card you’ll receive 0% for a monthly fee (ranging from $12 to $22). There are also no pesky fees like late or foreign exchange charges.
It’s out with the old style of credit cards and in with the new when it comes to Commonwealth Bank Neo. One of the standout features to this card is that it comes with a 0% interest rate. That’s right, you pay no interest at all! Instead, cardholders pay a small monthly fee for holding the card which is based on the credit limit you choose:
$1,000 limit: $12 per month
$2,000 limit: $18 per month
$3,000 limit: $22 per month
Plus, if you don’t end up using your card within a statement period, no matter your credit limit, CommBank will waive the monthly cost.
This card also bids farewell to other fees as well, like late payment penalties and international transaction charges.
Commonwealth Bank Neo could be the perfect option for someone looking to switch up the way they pay for their credit card spending. With 0% interest, minimal fees and a cashback offer, this card is a hot alternative to more traditional options.
Remember, the total annual cost of this card goes up to $264, so remember to budget for that. Plus, this card only allows customers to have a limit of $3,000, so if you are needing a low rate credit card option with a larger limit, check out the CommBank Low Rate Credit Card instead.
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n/a |
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none |
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No current offer |
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none |
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none |
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0 |
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$264.00 |
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none |
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none |
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none |
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$0.00 |
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n/a |
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0% |
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$0.00 |
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$0.00 |
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none |
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$25.00 |
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2.0 |
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none |
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none |
Apple Pay, Google Wallet, Samsung Pay, Garmin, Fitbit
No interest or late payment fees – just a monthly fee. If you dont make any purchases and have an outstanding balance of $0 during the whole statement period, no monthly fee. Receive personalised cashback offers based on your spending history with Yello CommBank Offers
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n/a |
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none |
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No current offer |
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none |
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none |
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0 |
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$216.00 |
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none |
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none |
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none |
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$0.00 |
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n/a |
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0% |
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$0.00 |
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$0.00 |
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none |
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$25.00 |
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2.0 |
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none |
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none |
Apple Pay, Google Wallet, Samsung Pay, Garmin, Fitbit
No interest or late payment fees – just a monthly fee. If you dont make any purchases and have an outstanding balance of $0 during the whole statement period, no monthly fee. Receive personalised cashback offers based on your spending history with Yello CommBank Offers.
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n/a |
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none |
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No current offer |
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none |
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none |
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0 |
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$144.00 |
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none |
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none |
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none |
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|
$0.00 |
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n/a |
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0% |
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$0.00 |
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$0.00 |
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none |
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$25.00 |
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2.0 |
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none |
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none |
Apple Pay, Google Wallet, Samsung Pay, Garmin, Fitbit
No interest or late payment fees – just a monthly fee. If you dont make any purchases and have an outstanding balance of $0 during the whole statement period, no monthly fee. Receive personalised cashback offers based on your spending history with Yello CommBank Offers.
Commonwealth Bank Neo Credit card has been my saving grace. With low fees, and low repayments I have been able to sucessfully pay my credit debt back. The Com Bank team has always been helpful with questions or concerns, I could not recommend a NEO card more.
Read full reviewCommonwealth Bank Neo Credit card has been my saving grace. With low fees, and low repayments I have been able to sucessfully pay my credit debt back. The Com Bank team has always been helpful with questions or concerns, I could not recommend a NEO card more.
Low Rate Card
12.49% p.a.
0% p.a. for 28 months and then 21.74% p.a. (2.00% balance transfer fee)
$59 $0 in the first year
Qantas Ultimate Card
23.99% p.a.
No current offer
$450
Qantas Frequent Flyer
Velocity Platinum Card
23.99% p.a.
No current offer
$375
Velocity Frequent Flyer
Qantas Discovery Card
23.99% p.a.
No current offer
$0
Qantas Frequent Flyer
Explorer Credit Card
23.99% p.a.
No current offer
$395
Membership Rewards
Velocity Escape Card
23.99% p.a.
No current offer
$0
Velocity Frequent Flyer
Platinum Edge Credit Card
23.99% p.a.
No current offer
$195 $0 in the first year
Membership Rewards
Qantas Ultimate Card
Qantas Frequent Flyer
$450
60,000
1.25 points uncapped
Qantas Rewards Premium Card
Qantas Frequent Flyer
$250 $150 in the first year
70,000
0.66 points up to $3,000/month, then
0.33 points up to $6,000/month
Rewards Signature Card
NAB Rewards
$295 $145 in the first year
160,000
1.25 points uncapped
Qantas Discovery Card
Qantas Frequent Flyer
$0
No current offer
0.75 points uncapped
Velocity Escape Card
Velocity Frequent Flyer
$0
No current offer
0.75 points uncapped
Qantas Rewards Signature Card
Qantas Frequent Flyer
$395 $295 in the first year
120,000
1 point up to $5,000/month, then
0.5 points up to $20,000/month
Altitude Black
Altitude Rewards
$295 $150 in the first year
150,000
1.25 points uncapped
Low Rate Card
0% p.a. for 28 months and then 21.74% p.a. (2.00% balance transfer fee)
12.49% p.a.
$59 $0 in the first year
Premier Credit Card
0% p.a. for 6 months and then 22.24% p.a.
21.49% p.a.
$300 $150 in the subsequent years if you spend $48,000 on eligible purchases or cash advances in previous year., $150 in the first year
Citi Rewards Program
Blue Visa Credit Card
0% p.a. for 9 months and then 21.74% p.a.
20.74% p.a.
$60
Q Rewards
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
0% p.a. for 24 months and then 20.99% p.a.
20.74% p.a.
$129 $0 in the first year
Velocity Frequent Flyer
More Mastercard
0% p.a. for 6 months and then 19.99% p.a. (1.00% balance transfer fee)
19.99% p.a.
$100
Bankwest More Rewards
Low Rate Card
12.49% p.a.
0% p.a. for 28 months and then 21.74% p.a. (2.00% balance transfer fee)
$59 $0 in the first year
Low Rate Credit Card
12.99% p.a.
0% p.a. for 20 months and then 25.99% p.a. (2.00% balance transfer fee)
$99
Low Rate Visa Credit Card
9.90% p.a.
No current offer
$59
Low Rate Credit Card
8.99% p.a.
0% p.a. for 6 months and then 8.99% p.a.
$59 $0 in the first year
