Card Overview
Commonwealth Bank's no-interest card: instead of interest, a simple fixed monthly fee applies when you carry a balance or use the card.
Rates, fees and offers on this page are as at October 2026 and change frequently — always confirm current terms with the issuer before applying.
How we assess this card
Our value calculations combine the sign-up bonus (valued using our points valuation methodology), ongoing earn rates against a representative $5,000/month spend profile, and all fees. We never let compensation influence the numbers — see our disclosure for how we make money.
Who this card suits
Match the card's strengths to your own spending: if the earn rate, fee and benefits line up with where your money actually goes each month, the card will pay for itself. If you're unsure, run your numbers through our comparison calculator first, or read how to choose a credit card.
Before you apply
Check the issuer's current product disclosure statement, confirm you meet the minimum income and credit criteria, and be aware that every application leaves an enquiry on your credit file. Our guide to credit scores in Australia explains what that means in practice.