Help & support
A credit card with no interest charges, no late fees and no international transaction fees. Just a $10 monthly fee.
Know what you need to repay each month with a fixed minimum repayment of $401 or less (not including overdue or overlimit amounts).
We’ll waive your monthly fee if you don’t spend on your card that month and you paid your previous statement in full.2
Apply online for a credit limit of up to $1,500, get a response in seconds and if approved, start spending in minutes.
We’ve partnered with big brands to give you cashbacks when you activate and redeem your CommBank Yello Cashback Offers.
We'll send you exciting offers based on where you've shopped before, and other similar places.
Available to eligible3 Mastercard® cardholders in the CommBank app.
To learn more about fees for Interest-free Low Fee, read the key fact sheet. For details on fees for other Commbank credit cards, read the key facts about our credit cards.
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Both are interest-free credit cards – with some key differences, however.
Interest-free Low fee has a single monthly $10 fee for all limits up to $1,500. It’s a digital-only card with a quick application.
CommBank Neo has different monthly fees for limits of $1,000, $2,000 or $3,000. It gives you both digital and physical cards. It also allows for an additional cardholder and offers more flexible repayment terms.
To apply, you’ll need to:
The monthly fee will be waived if you have:
Nope! Along with 0% p.a. interest you’ll pay no late payment, international transaction or other fees.
You’ll have the flexibility to choose how much you repay each month – typically from a minimum of $40 up to your total balance.
If you owe less than $40, the total amount owing will be your repayment.
However, if you owe any amount that is more than your credit limit (excluding any amount that was more than your credit limit in a past statement period and remains unpaid) and this is greater than $40, then this is your minimum payment.
If you miss making your minimum payment by the due date, your account may be put on hold and the missed payment could be recorded on your credit report. Setting up an automatic monthly repayment on the CommBank app or NetBank via AutoPay can help you avoid this.
Yes you can do it anytime in the CommBank app or NetBank. Although keep in mind, credit limit increases aren’t available for this card at the moment.
To help with budgeting, you can also apply a temporary spending cap. It’s a great way to limit your spending, without permanently decreasing your limit. You can turn it on or off at any time, all in the CommBank app or NetBank.
It’s a digital only credit card, so might not work if there are issues with your digital wallet or phone. Ensure your phone is always charged, with digital wallet apps up-to-date.
Some overseas merchants may not accept credit card digital wallet transactions. Before you travel, ensure the country you’re visiting allows them.
Cash advances (including transactions such as gambling payments) aren’t available on your Interest-free Low Fee credit card.4
No, additional cardholders are not available on Interest-free Low Fee credit card. If you need to add someone, you can find which cards offer this option
Compare our other interest-free credit options.
Compare our Low Rate, Low Fee, Interest-free and Awards credit cards.
Answer up to four questions and we'll show a credit card that may suit your needs.
Get instant help from Ceba in the CommBank app or connect with a specialist who can message you back. You’ll need CommBank app notifications turned on so you know when you’ve received a reply.
1 If you owe $40 or more that month, your minimum payment will be $40. Otherwise, your minimum payment will be the amount you owe.
However, if you owe any amount that is more than your credit limit (excluding any amount that was more than your credit limit in a past statement period and remains unpaid) and this is greater than $40, then your minimum payment is this amount. Overdue amounts are payable immediately.
2 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.
3 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’).
4 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.
Commonwealth Bank of Australia ABN 48 123 123 124 AFSL and Australian credit license 234945
