{"source":"Consumer Data Right Product Reference Data APIs (public, unauthenticated), credit and charge cards category","licence_note":"Rates and fees are published by each bank under the Consumer Data Right as public Product Reference Data and are reproduced here as reference data with the source URL and the bank's own last-updated timestamp on every row. Rates, fees and offers change without notice; promotional balance transfer and purchase rates end after their months; check the bank's page before acting. This is not financial advice.","coverage_note":"Covers the banks, credit unions and other card issuers on the Consumer Data Right register that publish credit cards, every rate and fee as the issuer's own feed states it, plus issuers that are not on the register (American Express, Zip's Zip Plus line of credit and Wizit's Wizitcard): their cards are read by hand from their own pages and Key Facts Sheets, each figure quoted from the sentence it came from and re-read daily (source_kind document). Latitude and other non-bank issuers are not here. Not every offer an issuer advertises is in its feed, and rewards points are not valued: the feeds name the programme, not what a point is worth.","kinds_note":"kind low_rate ranks every credit card by its ongoing purchase rate, lowest first; no_annual_fee ranks the cards whose feed states a $0 annual (or monthly) card fee, by purchase rate; balance_transfer ranks the cards with a promotional balance transfer offer by the length of the offer, then its rate, fee and the rate it reverts to; rewards ranks the cards with a rewards programme by annual fee, lowest first, then purchase rate, because the feeds do not say what a point is worth. One entry per bank per slice. A card's annual_fee is the yearly figure: a monthly card fee is published as stated and multiplied by twelve.","generated_at":"2026-11-12T02:36:21Z","brand_count":115,"brands_with_rates":62,"segments":["personal","business"],"kinds":["low_rate","no_annual_fee","balance_transfer","rewards"],"default":{"segment":"personal","kind":"low_rate"},"ranked_by":{"low_rate":"purchase_rate_pct ascending, then annual_fee (unstated last), then name","no_annual_fee":"purchase_rate_pct ascending among cards whose feed states a $0 card fee, then name","balance_transfer":"balance_transfer.promo_months descending, then promo_rate_pct, fee_pct and revert_rate_pct ascending, then name","rewards":"annual_fee plus rewards_program_fee ascending (unstated last) among cards with a rewards programme, then purchase_rate_pct, then name"},"ranking_rules":"One entry per bank per slice, among its credit cards open to the slice's segment. low_rate: the lowest ongoing purchase rate (then the lowest annual fee, an unstated fee last; then name). no_annual_fee: the cards whose feed states a $0 annual or monthly card fee, by purchase rate; a fee the feed does not state is not $0. balance_transfer: the cards with a promotional balance transfer offer, longest first, then the lowest promotional rate, transfer fee and revert rate. rewards: the cards naming a rewards programme, by annual fee, then purchase rate; points are not valued. annual_fee is yearly: a monthly card fee is multiplied by twelve, with the monthly figure in fee_as_stated. Charge cards, corporate and purchasing card programmes, debit cards, staff cards and cards closed to new customers are not ranked; a card with no purchase rate ranks only in balance_transfer, and only when it has an offer. Student cards, companion cards (open only to holders of another of the issuer's cards) and lenders open only to certain occupations are left out of these rankings; each slice file also carries entries_all, the same ranking with them in. A record not updated for more than 180 days before the fetch is ranked with record_stale true and a condition saying so.","slices":{"url_template":"https://deepalmanac.com/au/finance/credit-cards/v1/best/{segment}/{kind}.json","note":"One slice per segment and kind, plus entries_all (student cards, companion cards and occupation-limited lenders in); top/ holds each slice's top 10."},"rankings":{"personal":{"low_rate":[{"rank":1,"brand":"CommBank","brand_label":"CommBank","brand_slug":"commbank","legal_entity_abn":"48123123124","product_id":"d34e453e721640f983c03922f567463a","product_name":"Interest-free Low Fee credit card","product_label":"Interest-free Low Fee Credit Card","product_slug":"interest-free-low-fee-credit-card","page":"/au/finance/credit-cards/cards/commbank/interest-free-low-fee-credit-card/","product_url":"https://www.commbank.com.au/credit-cards/interest-free-low-fee.html","terms_url":"https://www.commbank.com.au/personal/apply-online/download-printed-forms/008-188-interest-free-low-fee.pdf","fees_url":"https://www.commbank.com.au/personal/apply-online/download-printed-forms/ADB1682.pdf","card_type":"credit","scheme":"mastercard","tier":null,"segments":["personal"],"segment":"personal","purchase_rate_pct":0.0,"purchase_rate_range_pct":null,"no_interest_card":true,"cash_advance_rate_pct":null,"intro_purchase_rate_pct":null,"intro_purchase_months":null,"interest_free_days":null,"annual_fee":120.0,"fee_period":"monthly","fee_as_stated":10.0,"annual_fee_stated":true,"annual_fee_note":null,"fee_offers":["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 of $10 for that statement period."],"first_year_fee_waived":false,"foreign_transaction_fee_pct":0.0,"foreign_transaction_fee":null,"cash_advance_fee_pct":null,"cash_advance_fee":null,"late_payment_fee":0.0,"additional_cardholder_fee":null,"balance_transfer":null,"rewards_program":null,"rewards_programs":[],"rewards_program_fee":null,"bonus_offer":null,"cashback_offer":"CommBank Yello Get access to exclusive benefits, cashbacks and discounts with CommBank Yello.","insurances":[],"digital_wallets":["Apple Pay","Garmin Pay","Google Pay","Samsung Pay"],"instalment_plan":false,"additional_cards":null,"min_credit_limit":400.0,"max_credit_limit":1500.0,"min_income":null,"min_age":18,"restrictions":[],"conditions":["no interest is charged on purchases; the card costs $10.00 a month instead","credit limit $400 to $1,500","Applications for Interest-free Low fee credit card are subject to CBA's lending policy for new Low Cost Credit Contracts."],"source_kind":"feed","record_stale":false,"source_url":"https://api.commbank.com.au/public/cds-au/v1/banking/products/d34e453e721640f983c03922f567463a","source_snapshot":"/au/finance/credit-cards/v1/source/commbank/d34e453e721640f983c03922f567463a.json","bank_last_updated":"2026-11-12T02:15:46.000Z","key_facts_sheet_url":"https://www.commbank.com.au/content/dam/commbank/personal/apply-online/download-printed-forms/008-196.pdf","document_links_source":{"key_facts_sheet_url":"found by hand 2026-11-01: Key Facts Sheet"},"document_date":null,"checked":null,"form":null,"interest_free_balance_threshold":null,"correction":null,"kind":"low_rate","rate_pct":0.0,"bt_promo_rate_pct":null,"bt_promo_months":null,"bt_fee_pct":null,"bt_revert_rate_pct":null,"from_issuer_page":null},{"rank":2,"brand":"Credit Corp Financial Services Pty Limited trading as WizitMoney","brand_label":"Wizit","brand_slug":"wizit","legal_entity_abn":"39146525706","product_id":"wizitcard","product_name":"Wizitcard","product_label":"Wizitcard","product_slug":"wizitcard","page":"/au/finance/credit-cards/cards/wizit/wizitcard/","product_url":"https://wizit.money/wizitcard","terms_url":null,"fees_url":"https://wizit.money/wizitcard","card_type":"credit","scheme":"mastercard","tier":null,"segments":["personal"],"segment":"personal","purchase_rate_pct":0.0,"purchase_rate_range_pct":null,"no_interest_card":true,"cash_advance_rate_pct":null,"intro_purchase_rate_pct":null,"intro_purchase_months":null,"interest_free_days":0,"annual_fee":228,"fee_period":"monthly","fee_as_stated":19,"annual_fee_stated":true,"annual_fee_note":"the Monthly fee is not charged in a statement period in which the account had a zero balance and the card was not used","fee_offers":[],"first_year_fee_waived":false,"foreign_transaction_fee_pct":3,"foreign_transaction_fee":null,"cash_advance_fee_pct":null,"cash_advance_fee":null,"late_payment_fee":null,"additional_cardholder_fee":null,"balance_transfer":null,"rewards_program":null,"rewards_programs":[],"rewards_program_fee":null,"bonus_offer":null,"cashback_offer":null,"insurances":[],"digital_wallets":[],"instalment_plan":false,"additional_cards":null,"min_credit_limit":500,"max_credit_limit":5000,"min_income":null,"min_age":null,"restrictions":[],"conditions":["no interest is charged on purchases; the card costs $19.00 a month instead","read from the issuer's own page and Key Facts Sheet correct as at 2026-09-14, each figure quoted and re-read daily","the Monthly fee is not charged in a statement period in which the account had a zero balance and the card was not used","a virtual Mastercard in the issuer's app, not a physical card","credit limit $500 to $5,000","cash advances are not offered","A digital-first Mastercard added to Apple or Google Wallet; no physical card is needed to shop.","The $19 monthly fee is not charged in a statement period in which the account had a zero balance and the card was not used; annual_fee is twelve months of it.","The late payment fee is $1 for each day the account is overdue, capped at $100 in a rolling 12 months, after a grace period; it is not a single amount.","not for applicants whose income is more than half pension, carer or jobseeker payments","late fee $1 a day overdue after a 14-day grace period, capped at $100 a year; $0.55 dishonour fee"],"source_kind":"document","record_stale":false,"source_url":"https://wizit.money/wizitcard","source_snapshot":null,"bank_last_updated":"2026-11-12T02:35:39+00:00","key_facts_sheet_url":"https://wizit.money/terms-and-conditions/wizitcard-key-facts-sheet","document_links_source":null,"document_date":"2026-09-14","checked":{"at":"2026-11-12T02:35:39+00:00","quotes":{"purchase_rate":{"status":"found","url":"https://wizit.money/terms-and-conditions/wizitcard-key-facts-sheet","confirmed":"2026-11-12","cite_url":"https://wizit.money/terms-and-conditions/wizitcard-key-facts-sheet#:~:text=Interest%20on%20purchases%200%25%20p.a.","document_sha256":"46410514ef0ae1764af1361527959856dd415b40bb206013144a009531482a0a"},"annual_fee":{"status":"found","url":"https://wizit.money/wizitcard","confirmed":"2026-11-12","cite_url":"https://wizit.money/wizitcard#:~:text=Pay%20a%20flat%20%2419%20monthly%20fee.","document_sha256":"cf2262671565632a35889ba93feb8ffa519d2f08f94dac0423b550d20e316026"},"fee_waiver":{"status":"found","url":"https://wizit.money/wizitcard","confirmed":"2026-11-12","cite_url":"https://wizit.money/wizitcard#:~:text=The%20monthly%20fee%20will%20not,the%20card%20was%20not%20used.","document_sha256":"cf2262671565632a35889ba93feb8ffa519d2f08f94dac0423b550d20e316026"},"interest_free_days":{"status":"found","url":"https://wizit.money/terms-and-conditions/wizitcard-key-facts-sheet","confirmed":"2026-11-12","cite_url":"https://wizit.money/terms-and-conditions/wizitcard-key-facts-sheet#:~:text=Interest%20free%20period%20Not%20applicable","document_sha256":"46410514ef0ae1764af1361527959856dd415b40bb206013144a009531482a0a"},"cash_advance":{"status":"found","url":"https://wizit.money/terms-and-conditions/wizitcard-key-facts-sheet","confirmed":"2026-11-12","cite_url":"https://wizit.money/terms-and-conditions/wizitcard-key-facts-sheet#:~:text=Cash%20advances%20are%20not%20available","document_sha256":"46410514ef0ae1764af1361527959856dd415b40bb206013144a009531482a0a"},"min_credit_limit":{"status":"found","url":"https://wizit.money/terms-and-conditions/wizitcard-key-facts-sheet","confirmed":"2026-11-12","cite_url":"https://wizit.money/terms-and-conditions/wizitcard-key-facts-sheet#:~:text=Minimum%20credit%20limit%20%24500","document_sha256":"46410514ef0ae1764af1361527959856dd415b40bb206013144a009531482a0a"},"max_credit_limit":{"status":"found","url":"https://wizit.money/wizitcard","confirmed":"2026-11-12","cite_url":"https://wizit.money/wizitcard#:~:text=Now%20access%20up%20to%20%245%2C000%20with%200%25%20interest%20on%20purchases.","document_sha256":"cf2262671565632a35889ba93feb8ffa519d2f08f94dac0423b550d20e316026"},"virtual_card":{"status":"found","url":"https://wizit.money/wizitcard","confirmed":"2026-11-12","cite_url":"https://wizit.money/wizitcard#:~:text=You%20don%E2%80%99t%20need%20a%20physical%20card%20to%20shop.","document_sha256":"cf2262671565632a35889ba93feb8ffa519d2f08f94dac0423b550d20e316026"},"kfs_date":{"status":"found","url":"https://wizit.money/terms-and-conditions/wizitcard-key-facts-sheet","confirmed":"2026-11-12","cite_url":"https://wizit.money/terms-and-conditions/wizitcard-key-facts-sheet#:~:text=Correct%20as%20at%3A%2014%2F09%2F2026","document_sha256":"46410514ef0ae1764af1361527959856dd415b40bb206013144a009531482a0a"},"issuer.issuer":{"status":"found","url":"https://wizit.money/wizitcard","confirmed":"2026-11-12","cite_url":"https://wizit.money/wizitcard#:~:text=Credit%20Corp%20Financial%20Services%20Pty,706%29%20Australian%20Credit%20Licence%20%28400871%29","document_sha256":"cf2262671565632a35889ba93feb8ffa519d2f08f94dac0423b550d20e316026"},"issuer.foreign_transaction_fee":{"status":"found","url":"https://wizit.money/wizitcard","confirmed":"2026-11-12","cite_url":"https://wizit.money/wizitcard#:~:text=The%20fee%20is%20equal%20to,dollar%20value%20of%20the%20transaction.","document_sha256":"cf2262671565632a35889ba93feb8ffa519d2f08f94dac0423b550d20e316026"}}},"form":"virtual_card","interest_free_balance_threshold":null,"correction":null,"kind":"low_rate","rate_pct":0.0,"bt_promo_rate_pct":null,"bt_promo_months":null,"bt_fee_pct":null,"bt_revert_rate_pct":null,"from_issuer_page":[{"source":"issuer_document","fields":["purchase_rate_pct","annual_fee","interest_free_days","cash_advance_rate_pct","min_credit_limit","max_credit_limit","form","document_date","foreign_transaction_fee_pct"],"confirmed":"2026-11-12","url":"https://wizit.money/terms-and-conditions/wizitcard-key-facts-sheet#:~:text=Interest%20on%20purchases%200%25%20p.a.","quote":"Interest on purchases 0% p.a."}]},{"rank":3,"brand":"Unity Bank","brand_label":"Unity Bank","brand_slug":"unity-bank","legal_entity_abn":"72087650637","product_id":"S80_LOW_RATE_CREDIT_CARD","product_name":"Low Rate Visa Credit Card","product_label":"Low Rate Visa Credit Card","product_slug":"low-rate-visa-credit-card","page":"/au/finance/credit-cards/cards/unity-bank/low-rate-visa-credit-card/","product_url":"https://www.unity.bank/reusable-documents/disclosure-documents/account-and-access-facility-conditions-of-use/","terms_url":"https://www.unity.bank/reusable-documents/disclosure-documents/account-and-access-facility-conditions-of-use/","fees_url":"https://www.unity.bank/help/rates-fees/","card_type":"credit","scheme":"visa","tier":null,"segments":["personal"],"segment":"personal","purchase_rate_pct":7.49,"purchase_rate_range_pct":null,"no_interest_card":null,"cash_advance_rate_pct":15.49,"intro_purchase_rate_pct":null,"intro_purchase_months":null,"interest_free_days":50,"annual_fee":50.0,"fee_period":"annual","fee_as_stated":50.0,"annual_fee_stated":true,"annual_fee_note":null,"fee_offers":[],"first_year_fee_waived":false,"foreign_transaction_fee_pct":3.0,"foreign_transaction_fee":null,"cash_advance_fee_pct":null,"cash_advance_fee":null,"late_payment_fee":null,"additional_cardholder_fee":null,"balance_transfer":null,"rewards_program":null,"rewards_programs":[],"rewards_program_fee":null,"bonus_offer":null,"cashback_offer":null,"insurances":[],"digital_wallets":["Apple Pay","Google Pay","Samsung Pay"],"instalment_plan":false,"additional_cards":null,"min_credit_limit":1000.0,"max_credit_limit":75000.0,"min_income":null,"min_age":18,"restrictions":[],"conditions":["credit limit $1,000 to $75,000"],"source_kind":"feed","record_stale":false,"source_url":"https://ibank.unity.bank/OpenBanking/cds-au/v1/banking/products/S80_LOW_RATE_CREDIT_CARD","source_snapshot":"/au/finance/credit-cards/v1/source/unity-bank/S80_LOW_RATE_CREDIT_CARD.json","bank_last_updated":"2026-09-14T10:49:01.000+10:00","key_facts_sheet_url":null,"document_links_source":null,"document_date":null,"checked":null,"form":null,"interest_free_balance_threshold":null,"correction":null,"kind":"low_rate","rate_pct":7.49,"bt_promo_rate_pct":null,"bt_promo_months":null,"bt_fee_pct":null,"bt_revert_rate_pct":null,"from_issuer_page":null},{"rank":4,"brand":"Defence Bank","brand_label":"Defence Bank","brand_slug":"defence-bank","legal_entity_abn":"57087651385","product_id":"552","product_name":"Defence Bank Foundation Credit Card","product_label":"Foundation Credit Card","product_slug":"foundation-credit-card","page":"/au/finance/credit-cards/cards/defence-bank/foundation-credit-card/","product_url":"https://www.defencebank.com.au/creditcard","terms_url":"https://www.defencebank.com.au/globalassets/documents/legal--compliance/disclosure-documents/defence-bank-products-and-services-conditions-of-use.pdf","fees_url":"https://www.defencebank.com.au/creditcard","card_type":"credit","scheme":"visa","tier":null,"segments":["personal"],"segment":"personal","purchase_rate_pct":8.99,"purchase_rate_range_pct":null,"no_interest_card":null,"cash_advance_rate_pct":8.99,"intro_purchase_rate_pct":3.99,"intro_purchase_months":6,"interest_free_days":55,"annual_fee":45.0,"fee_period":"annual","fee_as_stated":45.0,"annual_fee_stated":true,"annual_fee_note":null,"fee_offers":[],"first_year_fee_waived":false,"foreign_transaction_fee_pct":3.0,"foreign_transaction_fee":null,"cash_advance_fee_pct":null,"cash_advance_fee":null,"late_payment_fee":null,"additional_cardholder_fee":null,"balance_transfer":{"offers":[],"for_new_cards":true,"for_existing_customers":null,"ongoing_rate_pct":null,"fee_pct":null,"revert_rate_pct":8.99,"revert_to":"cash_advance","promo_rate_pct":3.99,"promo_months":6},"rewards_program":null,"rewards_programs":[],"rewards_program_fee":null,"bonus_offer":null,"cashback_offer":null,"insurances":[],"digital_wallets":["Compatible with digital wallets from Ap…"],"instalment_plan":false,"additional_cards":null,"min_credit_limit":null,"max_credit_limit":null,"min_income":null,"min_age":null,"restrictions":[],"conditions":["corrected from the bank's own page: 8.99% on purchases and cash advances, a $45 annual fee, and 3.99% for the first six months on purchases, balance transfers and cash advances (rates current as at 15 July 2026)","the feed labels the card's rate as a variable rate rather than a purchase rate","3.99% on purchases for the first 6 months, then the purchase rate","$20 late payment fee; cash advance fee from $4.10"],"source_kind":"feed","record_stale":false,"source_url":"https://product.defencebank.com.au/cds-au/v1/banking/products/552","source_snapshot":"/au/finance/credit-cards/v1/source/defence-bank/552.json","bank_last_updated":"2026-03-16T00:00:00.000+11:00","key_facts_sheet_url":"https://www.defencebank.com.au/globalassets/documents/credit-cards/defence-bank-foundation-credit-card---key-facts-sheet.pdf","document_links_source":{"terms_url":"found by hand 2026-11-01: terms and conditions","key_facts_sheet_url":"found by hand 2026-11-01: Key Facts Sheet"},"document_date":null,"checked":null,"form":null,"interest_free_balance_threshold":null,"correction":{"checked":"2026-10-30","note":"8.99% on purchases and cash advances, a $45 annual fee, and 3.99% for the first six months on purchases, balance transfers and cash advances (rates current as at 15 July 2026)","fields":["cash_advance_rate_pct","balance_transfer"],"quotes":{"intro":{"text":"3.99% p.a. six month introductory rate on balance transfers, purchases and cash advances","url":"https://www.defencebank.com.au/creditcard","citation":{"quote":"3.99% p.a. six month introductory rate on balance transfers, purchases and cash advances","url":"https://www.defencebank.com.au/creditcard#:~:text=3.99%25%20p.a.%20six%20month%20introductory,transfers%2C%20purchases%20and%20cash%20advances","document_sha256":"2767c5b4aa8275d712a02d6c18e6529630944b42f01d5138efb31b84b876334c","confirmed":"2026-11-12"}},"rate":{"text":"8.99% p.a. ongoing rate on purchases and cash advances","url":"https://www.defencebank.com.au/creditcard","citation":{"quote":"8.99% p.a. ongoing rate on purchases and cash advances","url":"https://www.defencebank.com.au/creditcard#:~:text=8.99%25%20p.a.%20ongoing%20rate%20on%20purchases%20and%20cash%20advances","document_sha256":"2767c5b4aa8275d712a02d6c18e6529630944b42f01d5138efb31b84b876334c","confirmed":"2026-11-12"}},"annual_fee":{"text":"Half of the annual $45 card fee is donated to the Defence Bank Foundation","url":"https://www.defencebank.com.au/creditcard","citation":{"quote":"Half of the annual $45 card fee is donated to the Defence Bank Foundation","url":"https://www.defencebank.com.au/creditcard#:~:text=Half%20of%20the%20annual%20%2445,to%20the%20Defence%20Bank%20Foundation","document_sha256":"2767c5b4aa8275d712a02d6c18e6529630944b42f01d5138efb31b84b876334c","confirmed":"2026-11-12"}}},"verified":{"intro":"found","rate":"found","annual_fee":"found"}},"kind":"low_rate","rate_pct":8.99,"bt_promo_rate_pct":3.99,"bt_promo_months":6,"bt_fee_pct":null,"bt_revert_rate_pct":8.99,"from_issuer_page":[{"source":"correction","fields":["cash_advance_rate_pct","bt_promo_rate_pct","bt_promo_months","bt_revert_rate_pct"],"confirmed":"2026-11-12","url":"https://www.defencebank.com.au/creditcard#:~:text=3.99%25%20p.a.%20six%20month%20introductory,transfers%2C%20purchases%20and%20cash%20advances","quote":"3.99% p.a. six month introductory rate on balance transfers, purchases and cash advances"}]},{"rank":5,"brand":"Auswide Bank Ltd","brand_label":"Auswide Bank","brand_slug":"auswide-bank-ltd","legal_entity_abn":"89067729195","product_id":"02ef924b-4492-49bf-b248-5571909c10c1","product_name":"LOW RATE VISA CREDIT CARD","product_label":"Low Rate Visa Credit Card","product_slug":"low-rate-visa-credit-card","page":"/au/finance/credit-cards/cards/auswide-bank-ltd/low-rate-visa-credit-card/","product_url":"https://auswidebank.com.au/banking/credit-cards/low-rate-visa-credit-card/","terms_url":"https://auswidebank.com.au/reusable-documents/terms-conditions-and-disclosure-documents/credit-cards-low-rate-visa/low-rate-visa-credit-card-terms-conditions/","fees_url":"https://auswidebank.com.au/reusable-documents/fees-charges/credit-cards/credit-card-rate-and-fee-guide-0623/","card_type":"credit","scheme":"visa","tier":null,"segments":["personal"],"segment":"personal","purchase_rate_pct":9.74,"purchase_rate_range_pct":null,"no_interest_card":null,"cash_advance_rate_pct":9.74,"intro_purchase_rate_pct":null,"intro_purchase_months":null,"interest_free_days":55,"annual_fee":50.0,"fee_period":"annual","fee_as_stated":50.0,"annual_fee_stated":true,"annual_fee_note":null,"fee_offers":["Under 25's","Shareholder of Auswide Bank","Hold an Auswide Bank 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