Features & benefits

  • No interest or late fees

    0% p.a. interest rate on purchases and no late fees.

  • Simple monthly fee

    Pay $12 for a $1,000 limit, $18 for a $2,000 limit or $22 for a $3,000 limit.1

  • No use, no fee

    If you don’t use your card and pay your total balance owing in full, you won't be charged the monthly fee.1

  • Accounting made easy

    Share your spend data automatically with Xero or MYOB.

  • Control business spend

    Keep on top of your business expenses by setting a spending cap.

  • CommBank Yello Cashback Offers

    Cashback benefits for eligible cardholders through CommBank Yello Cashback Offers in the CommBank app.2

CommBank Yello Cashback Offers

CommBank is rewarding you when you shop, which is why we’ve partnered with big brands to give you cashback when you activate and redeem your CommBank Yello Cashback Offers.

Personalised offers

We'll send you shopping offers based on where you've shopped before, and similar places we think you'll like.

Available to eligible2 Mastercard® cardholders in the CommBank app.

Mobile screen: CommBank Yello Cashback Offers in the CommBank app

Rates & fees

Your CommBank Neo Business monthly fee is based on your credit limit.

  • $12 per month for $1,000 limit
  • $18 per month for a $2,000 limit
  • $22 per month for a $3,000 limit

This fee is charged at the end of your statement period. Each statement period runs for about 30 days, so you’ll be charged around the same time every month. You’ll then have 25 days from that time to pay (i.e. your due date).

The fee you pay depends on the limit you have when your statement period ends. If you change from a $3,000 to a $1,000 limit within a given statement period, and use your card, you’ll be charged a $12 fee at the end of period.

We’ll waive your monthly fee if you don’t have any processed transactions in a given statement period and you pay your previous statement closing balance in full (i.e. the total amount you owe from your last statement period) by the due date.

Rates & fees
Purchase interest rate
0% p.a.
Cash advance interest rate
0% p.a.
Cash advances are blocked. 
Exceptions may apply3
Monthly fee
$12, $18 or $22 (based on your credit limit)

Pay $0 if you don’t use your card and pay your total balance owing in full1
$12 for a $1,000 limit

$18 for a $2,000 limit

$22 for a $3,000 limit

Additional cardholder fee
Minimum credit limit

Things you should know

  • 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 for that statement period. We may process transactions later than the day you originally made them. This is when your transaction is no longer a pending transaction and has been fully processed by us.

    The CommBank Yello Cashback Offers program (‘CommBank Yello Cashback Offers’) rewards you with cashback after you activate (where required) an offer presented to you via the CommBank app and you make a purchase in accordance with the Terms and Conditions of that offer. Cashback is typically received within 14 business days of a qualifying purchase, but in some cases may take longer. If you are not already enrolled, you can enrol if you are at least 18 years old, hold an eligible CommBank credit Mastercard or debit Mastercard, Business credit Mastercard or StepPay digital card, and meet the ‘Base eligibility criteria’ in the ‘CommBank Yello Terms and Conditions’ (latest version available on our website at commbank.com.au) (‘CommBank Yello’). Your participation in CommBank Yello Cashback Offers is governed by the full Terms and Conditions available in the CommBank app.

    We’re unable to block cash advance transactions that aren’t sent to us for authorisation. These will not incur any additional fees or interest charges.

    The advice on this website has been prepared without considering your objectives, financial situation or needs. You should, before acting on the advice, consider its appropriateness to your circumstances. Applications for credit cards are subject to credit approval. Full terms and conditions will be included in our Letter of Offer. Bank fees and charges apply.

    View Terms and Conditions for Electronic Banking (PDF), NetBank and CommBiz (PDF) and consider them before making any decision about these products.

    Mastercard and Priceless are registered trademarks, and the circles design is a trademark of Mastercard International Incorporated.

    The CommBank Business Credit Cards are Personal Liability Business Credit Cards. By applying, you (the individual that is applying for a Business Credit Card) acknowledge that the Business Credit Card you are applying for provides for Personal Liability. We will look to you (and no any company, partnership or other business entity that may employ or engage you) to recover all amounts charged using the Business Credit Card, including any amounts charged by an additional cardholder.