{
  "snapshot_at": "2026-11-12T02:35:51Z",
  "brand": "CommBank",
  "brand_slug": "commbank",
  "product_id": "ce01a5a0965b45d281b624ff2e6d2f12",
  "cdr_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/ce01a5a0965b45d281b624ff2e6d2f12",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://api.commbank.com.au/public/cds-au/v1/banking/products/ce01a5a0965b45d281b624ff2e6d2f12'",
  "note": "Verbatim `data` object of the bank's CDR product detail response, as fetched. The live endpoint needs the x-v header shown in how_to_fetch and will not open in a browser.",
  "data": {
    "features": [
      {
        "featureType": "ADDITIONAL_CARDS",
        "additionalValue": "1",
        "additionalInfo": "Adding an additional cardholder is an easy way to share the convenience and accessibility of your CommBank Neo card with someone else, without opening a new account. You can have one additional cardholder and they must be at least 16 years old. They'll get a card with their name but with your account number.",
        "additionalInfoUri": "https://www.commbank.com.au/support.credit-cards.add-additional-cardholder.html"
      },
      {
        "featureType": "BILL_PAYMENT",
        "additionalValue": "AutoPay",
        "additionalInfo": "Through AutoPay, you can choose to have the full closing balance, the minimum amount due, or set an amount debited from your chosen CommBank transaction account. If the set amount isn't enough to cover the minimum payment shown on your current statement, we'll take out more to cover the difference. If the set amount is more than your closing balance shown on your current statement, only the closing balance amount is debited.",
        "additionalInfoUri": "https://www.commbank.com.au/support.credit-cards.set-up-autopay.html"
      },
      {
        "featureType": "BILL_PAYMENT",
        "additionalValue": "BPAY View",
        "additionalInfo": "With BPAY View you can switch to online bills & ask billers to send them directly to the CommBank app or NetBank, making it easy to see, track, and pay bills online.",
        "additionalInfoUri": "https://www.commbank.com.au/digital-banking/bpay-view.html"
      },
      {
        "featureType": "COMPLEMENTARY_PRODUCT_DISCOUNTS",
        "additionalValue": "Priceless Cities",
        "additionalInfo": "A program available exclusively to Mastercard cardholders that provides access to unforgettable experiences in the cities where you live and travel.",
        "additionalInfoUri": "https://www.priceless.com/"
      },
      {
        "featureType": "COMPLEMENTARY_PRODUCT_DISCOUNTS",
        "additionalValue": "Travel Booking by Hopper",
        "additionalInfo": "Access a range of travel benefits through Travel Booking (provided by Hopper) for eligible customers.",
        "additionalInfoUri": "https://www.commbank.com.au/travel/travel-booking.html"
      },
      {
        "featureType": "CASHBACK_OFFER",
        "additionalValue": "CommBank Yello",
        "additionalInfo": "Get cashback when you activate and redeem your CommBank Yello offers. Available to eligible Mastercard cardholders in the CommBank app.",
        "additionalInfoUri": "https://www.commbank.com.au/commbank-yello.html"
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "Wherever you are in the world, CommBank gives you the choice and control to securely manage all of your accounts on a range of devices, the way you want.",
        "additionalInfoUri": "https://www.commbank.com.au/digital-banking.html"
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "With Bill Sense, you can see how much you'll need to cover bills each month - up to 12 months in advance - on one simple timeline in the CommBank app. We predict your bills based on patterns in your transactions, how much you pay and when. We may not predict all of your bills.",
        "additionalInfoUri": "https://www.commbank.com.au/digital-banking/bill-sense.html"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Apple Pay",
        "additionalInfo": "Pay with your Apple(TM) device using Apple Pay.",
        "additionalInfoUri": "https://www.commbank.com.au/digital-banking/mobile-payments-wearables/apple-pay.html"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "CommBank Tap and Pay",
        "additionalInfo": "Pay with your Android(TM) phone using the CommBank app.",
        "additionalInfoUri": "https://www.commbank.com.au/digital-banking/tap-and-pay.html"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Garmin Pay",
        "additionalInfo": "Pay with your Garmin(TM) smartwatch using Garmin Pay.",
        "additionalInfoUri": "https://www.commbank.com.au/digital-banking/mobile-payments-wearables/garmin-pay.html"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Google Pay",
        "additionalInfo": "Pay with your Android(TM) device using Google Pay(TM).",
        "additionalInfoUri": "https://www.commbank.com.au/digital-banking/mobile-payments-wearables/google-pay.html"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Samsung Pay",
        "additionalInfo": "Pay with your Samsung(TM) device using Samsung Pay.",
        "additionalInfoUri": "https://www.commbank.com.au/digital-banking/mobile-payments-wearables/samsung-pay.html"
      },
      {
        "featureType": "FRAUD_PROTECTION",
        "additionalInfo": "Instantly lock, block or limit your card for extra control through the CommBank app or NetBank.",
        "additionalInfoUri": "https://www.commbank.com.au/digital-banking/lock-block-limit-your-credit-card.html"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Use instore and online at millions of locations, everywhere Mastercard is accepted. A Mastercard allows you to pay for things using your card, smartphone or wearable. You may receive access to other features and benefits associated with your Mastercard subject to terms and conditions",
        "additionalInfoUri": "https://www.commbank.com.au/credit-cards.html"
      },
      {
        "featureType": "NOTIFICATIONS",
        "additionalValue": "Billing notifications",
        "additionalInfo": "We'll tell you when your online bill payment is due.",
        "additionalInfoUri": "https://www.commbank.com.au/digital-banking/bpay-view.html"
      },
      {
        "featureType": "NOTIFICATIONS",
        "additionalValue": "Overlimit notifications",
        "additionalInfo": "Sends message to customer to inform them their card is over limit and to make payment to reduce limit and prevent an over limit fee from being charged to the account."
      },
      {
        "featureType": "NOTIFICATIONS",
        "additionalValue": "Payment reminders",
        "additionalInfo": "Reminders before payments are due."
      },
      {
        "featureType": "NOTIFICATIONS",
        "additionalValue": "Transaction Notifications",
        "additionalInfo": "Turn Transaction Notifications on in the CommBank app and we'll instantly alert you when you pay using your CommBank Neo card, and when you receive money into your everyday account.",
        "additionalInfoUri": "https://www.commbank.com.au/digital-banking/transaction-notifications.html"
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "We help you stay on track with your card spending in the CommBank app.",
        "additionalInfoUri": "https://www.commbank.com.au/digital-banking/spend-tracker-insights.html"
      }
    ],
    "constraints": [
      {
        "constraintType": "MAX_LIMIT",
        "additionalValue": "3000.00",
        "additionalInfo": "Note that the credit limit we give you will depend on your ability to meet your repayments."
      },
      {
        "constraintType": "MIN_LIMIT",
        "additionalValue": "1000.00",
        "additionalInfo": "Note that the credit limit we give you will depend on your ability to meet your repayments."
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "18",
        "additionalInfo": "The additional cardholder must be 16 years of age or older.",
        "additionalInfoUri": "https://www.commbank.com.au/credit-cards/what-you-need-to-apply.html"
      },
      {
        "eligibilityType": "NATURAL_PERSON",
        "additionalInfo": "Individuals must have the legal capacity to enter into the loan contract. Not available for non-personal borrowers.",
        "additionalInfoUri": "https://www.commbank.com.au/credit-cards/what-you-need-to-apply.html"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Each application for credit is assessed on the ability of the applicant to service debt (limit) based on the financials supplied in the application.",
        "additionalInfoUri": "https://www.commbank.com.au/credit-cards/what-you-need-to-apply.html"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Applications for CommBank cards are subject to credit approval.",
        "additionalInfoUri": "https://www.commbank.com.au/credit-cards/what-you-need-to-apply.html"
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "AU",
        "additionalInfo": "Available to citizens or permanent residents of Australia and valid visa holders. Make sure you are legally allowed to work in Australia.",
        "additionalInfoUri": "https://www.commbank.com.au/credit-cards/what-you-need-to-apply.html"
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "NZ",
        "additionalInfo": "Available to citizens or permanent residents of NZ and valid visa holders. Make sure you are legally allowed to work in Australia.",
        "additionalInfoUri": "https://www.commbank.com.au/credit-cards/what-you-need-to-apply.html"
      }
    ],
    "fees": [
      {
        "name": "Additional cardholder fee",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "currency": "AUD",
        "additionalValue": "P1Y",
        "additionalInfo": "Pay no additional cardholder fee to share the convenience of your card with someone else."
      },
      {
        "name": "Late payment fee",
        "feeType": "LATE_PAYMENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "currency": "AUD",
        "additionalValue": "1",
        "additionalInfo": "Late payment fees are not charged with CommBank Neo."
      },
      {
        "name": "Emergency issue/ lost/ replacement card fee",
        "feeType": "REPLACEMENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "20.00"
        },
        "currency": "AUD",
        "additionalInfo": "When you need an emergency replacement card delivered to you."
      },
      {
        "name": "International transaction fee",
        "feeType": "TRANSACTION",
        "feeMethodUType": "rateBased",
        "rateBased": {
          "rateType": "TRANSACTION",
          "rate": "0"
        },
        "currency": "AUD",
        "additionalInfo": "Pay no international transaction fees for purchases you make overseas or online."
      },
      {
        "name": "Monthly fee",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "15.00"
        },
        "currency": "AUD",
        "discounts": [
          {
            "description": "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 of $15 for that statement period.",
            "discountType": "ELIGIBILITY_ONLY",
            "discountMethodUType": "fixedAmount",
            "fixedAmount": {
              "amount": "15.00"
            },
            "eligibility": [
              {
                "discountEligibilityType": "OTHER",
                "additionalInfo": "If you do not have any processed transactions in a given statement period and pay your previous statement closing balance in full by the due date, you will not be charged a monthly fee for that statement period."
              }
            ]
          }
        ],
        "additionalValue": "P1M",
        "additionalInfo": "Monthly fee of $15, $20 or $25 depending on your credit limit. $15 per month for a $1,000 credit limit, $20 per month for a $2,000 credit limit or $25 per month for a $3,000 credit limit. If you do not have any processed transactions in a given statement period and pay your previous statement closing balance in full by the due date, you will not be charged a monthly fee for that statement period."
      },
      {
        "name": "Monthly fee",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "20.00"
        },
        "currency": "AUD",
        "discounts": [
          {
            "description": "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 of $20 for that statement period.",
            "discountType": "ELIGIBILITY_ONLY",
            "discountMethodUType": "fixedAmount",
            "fixedAmount": {
              "amount": "20.00"
            },
            "eligibility": [
              {
                "discountEligibilityType": "OTHER",
                "additionalInfo": "If you do not have any processed transactions in a given statement period and pay your previous statement closing balance in full by the due date, you will not be charged a monthly fee for that statement period."
              }
            ]
          }
        ],
        "additionalValue": "P1M",
        "additionalInfo": "Monthly fee of $15, $20 or $25 depending on your credit limit. $15 per month for a $1,000 credit limit, $20 per month for a $2,000 credit limit or $25 per month for a $3,000 credit limit. If you do not have any processed transactions in a given statement period and pay your previous statement closing balance in full by the due date, you will not be charged a monthly fee for that statement period."
      },
      {
        "name": "Monthly fee",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "25.00"
        },
        "currency": "AUD",
        "discounts": [
          {
            "description": "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 of $25 for that statement period.",
            "discountType": "ELIGIBILITY_ONLY",
            "discountMethodUType": "fixedAmount",
            "fixedAmount": {
              "amount": "25.00"
            },
            "eligibility": [
              {
                "discountEligibilityType": "OTHER",
                "additionalInfo": "If you do not have any processed transactions in a given statement period and pay your previous statement closing balance in full by the due date, you will not be charged a monthly fee for that statement period."
              }
            ]
          }
        ],
        "additionalValue": "P1M",
        "additionalInfo": "Monthly fee of $15, $20 or $25 depending on your credit limit. $15 per month for a $1,000 credit limit, $20 per month for a $2,000 credit limit or $25 per month for a $3,000 credit limit. If you do not have any processed transactions in a given statement period and pay your previous statement closing balance in full by the due date, you will not be charged a monthly fee for that statement period."
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "CASH_ADVANCE",
        "rate": "0",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "OTHER",
        "loanPurpose": "OTHER",
        "additionalInfo": "Cash advances are blocked by default on this product. CBA is unable to block cash advance transactions that aren’t sent to us for authorisation. Where transactions are processed without CBA authorisation, no additional fees or interest will be charged.",
        "additionalInfoUri": "https://www.commbank.com.au/credit-cards/commbank-neo.html?mch=ps&mcpid=22944634547&mpb=6406541290&%E2%80%A6"
      },
      {
        "lendingRateType": "PURCHASE",
        "rate": "0",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "OTHER",
        "loanPurpose": "OTHER"
      }
    ],
    "productId": "ce01a5a0965b45d281b624ff2e6d2f12",
    "lastUpdated": "2026-11-12T02:15:46.000Z",
    "productCategory": "CRED_AND_CHRG_CARDS",
    "name": "CommBank Neo Card",
    "description": "A new way to pay with no interest, a low maximum credit limit and a simple monthly fee based on your limit.",
    "brand": "CBA",
    "brandName": "CommBank",
    "applicationUri": "https://www.commbank.com.au/credit-cards/commbank-neo.html",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.commbank.com.au/credit-cards/commbank-neo.html",
      "termsUri": "https://www.commbank.com.au/content/dam/commbank/personal/apply-online/download-printed-forms/cc2-cou.pdf",
      "eligibilityUri": "https://www.commbank.com.au/credit-cards/commbank-neo.html",
      "feesAndPricingUri": "https://www.commbank.com.au/personal/apply-online/download-printed-forms/ADB1682.pdf"
    },
    "cardArt": [
      {
        "cardScheme": "MASTERCARD",
        "cardType": "CREDIT",
        "title": "CommBank Neo",
        "imageUri": "https://www.commbank.com.au/content/dam/commbank-assets/open-banking/credit-cards/retail/mastercard-commbank-neo-credit-card.png"
      }
    ]
  }
}