{ "segment": "personal", "kind": "low_rate", "ranked_by": "purchase_rate_pct ascending, then annual_fee (unstated last), then name", "generated_at": "2026-11-12T02:36:21Z", "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.", "before_answering": "https://deepalmanac.com/au/finance/credit-cards/v1/questions.json lists what to ask the reader first (personal or business; whether they carry a balance, want no fee, have a balance to transfer or want rewards), which file answers each question and what each figure means. Read its commentary before quoting a card. bank_last_updated is when the bank last touched its CDR record (for an issuer with no feed, when its quoted sentences were last re-read and found). from_issuer_page[].confirmed is the last day the quoted sentence was found on the issuer's page, by the daily re-read or the hand check that added it; it is null, with last_confirmed, when the sentence has not been re-confirmed within its maximum age.", "entries": [ { "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": 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Self employed clients should contact the Bank prior to applying", "foreign currency conversion fee 3.00% of the transaction (feed says 2.95%), also on overseas merchants charging in AUD", "0% balance transfer for new cards only, minimum $2,000; the Key Facts Sheet says the remainder reverts to the cash advance rate (19.99%), the card page says 11.99%" ], "source_kind": "feed", "record_stale": false, "source_url": "https://public.open.australianmilitarybank.com.au/cds-au/v1/banking/products/e1f63c50-20bb-457a-8fee-da684c281a0a", "source_snapshot": "/au/finance/credit-cards/v1/source/australian-military-bank/e1f63c50-20bb-457a-8fee-da684c281a0a.json", "bank_last_updated": "2026-09-30T14:00:00.323756Z", "key_facts_sheet_url": "https://assets.australianmilitarybank.com.au/Credit_Card_Key_Facts_Sheet_AMB_15092026_FINAL_ff023c9593.pdf", "document_links_source": { "terms_url": "found by hand 2026-11-01: terms and conditions", "fees_url": "found by hand 2026-11-01: fees and charges", "key_facts_sheet_url": "found by hand 2026-11-01: Key Facts Sheet" }, "document_date": null, "checked": null, "form": null, "interest_free_balance_threshold": null, "correction": { "checked": "2026-11-01", "note": "a 3.00% foreign currency conversion fee, per the bank's Fees and Charges Schedule (effective 15 August 2026), which the card terms refer to; the feed says 2.95%", "fields": [ "foreign_transaction_fee_pct" ], "quotes": { "foreign": { "text": "3.00% of transaction value ($AUD)", "url": "https://assets.australianmilitarybank.com.au/Fees_and_Charges_Schedule_AMB_15082026_FINAL_12ff229073.pdf", "citation": { "quote": "3.00% of transaction value ($AUD)", "url": "https://assets.australianmilitarybank.com.au/Fees_and_Charges_Schedule_AMB_15082026_FINAL_12ff229073.pdf#page=2", "page": 2, "document_sha256": "47366e4dfd73aa29cea09eddb9b60b786fbcfb5bc42626acfde6a24dc8b460c5", "confirmed": "2026-11-12" } } }, "verified": { "foreign": "found" } }, "kind": "low_rate", "rate_pct": 11.99, "bt_promo_rate_pct": 0.0, "bt_promo_months": 12, "bt_fee_pct": null, "bt_revert_rate_pct": 11.99, "from_issuer_page": [ { "source": "correction", "fields": [ "foreign_transaction_fee_pct" ], "confirmed": "2026-11-12", "url": "https://assets.australianmilitarybank.com.au/Fees_and_Charges_Schedule_AMB_15082026_FINAL_12ff229073.pdf#page=2", "quote": "3.00% of transaction value ($AUD)" } ] }, { "rank": 18, "brand": "Newcastle Permanent", "brand_label": "Newcastle Permanent", "brand_slug": "newcastle-permanent", "legal_entity_abn": "96087651992", "product_id": "CC_valuepluscc", "product_name": "Value Plus Credit Card", "product_label": "Value Plus Credit Card", "product_slug": "value-plus-credit-card", "page": "/au/finance/credit-cards/cards/newcastle-permanent/value-plus-credit-card/", "product_url": "https://www.newcastlepermanent.com.au/personal/credit-card", "terms_url": "https://www.newcastlepermanent.com.au/tools-and-services/terms-and-conditions", "fees_url": "https://www.newcastlepermanent.com.au/tools-and-services/terms-and-conditions#Personal", "card_type": "credit", "scheme": null, "tier": null, "segments": [ "personal" ], "segment": "personal", "purchase_rate_pct": 11.99, "purchase_rate_range_pct": null, "no_interest_card": null, "cash_advance_rate_pct": 11.99, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 55, "annual_fee": 49.0, "fee_period": "annual", "fee_as_stated": 49.0, "annual_fee_stated": true, "annual_fee_note": null, "fee_offers": [], "first_year_fee_waived": false, "foreign_transaction_fee_pct": null, "foreign_transaction_fee": null, "cash_advance_fee_pct": 2.0, "cash_advance_fee": null, "late_payment_fee": 5.0, "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": [ "Google Pay", "Apple Pay" ], "instalment_plan": false, "additional_cards": 3, "min_credit_limit": 500.0, "max_credit_limit": 20000.0, "min_income": null, "min_age": 18, "restrictions": [], "conditions": [ "credit limit $500 to $20,000", "employment status: Have a demonstrated ability to afford repayments", "Applicants must meet applicable identification requirements and lending criteria, including demonstrating an ability to afford repayments." ], "source_kind": "feed", "record_stale": false, "source_url": "https://openbank.newcastlepermanent.com.au/cds-au/v1/banking/products/CC_valuepluscc", "source_snapshot": "/au/finance/credit-cards/v1/source/newcastle-permanent/CC_valuepluscc.json", "bank_last_updated": "2026-11-05T00:00:00+11:00", "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": 11.99, "bt_promo_rate_pct": null, "bt_promo_months": null, "bt_fee_pct": null, "bt_revert_rate_pct": null, "from_issuer_page": null }, { "rank": 19, "brand": "P&N Bank", "brand_label": "P&N Bank", "brand_slug": "p-n-bank", "legal_entity_abn": "69087651876", "product_id": "41", "product_name": "P&N Bank Visa Classic", "product_label": "Visa Classic", "product_slug": "visa-classic", "page": "/au/finance/credit-cards/cards/p-n-bank/visa-classic/", "product_url": "https://www.pnbank.com.au/cards/credit-cards/visa-classic/", "terms_url": "https://www.pnbank.com.au/important-information/terms-and-conditions/credit-card-conditions-of-use/", "fees_url": "https://www.pnbank.com.au/help-and-support/fees/credit-cards/", "card_type": "credit", "scheme": "visa", "tier": null, "segments": [ "personal" ], "segment": "personal", "purchase_rate_pct": 11.99, "purchase_rate_range_pct": null, "no_interest_card": null, "cash_advance_rate_pct": 19.99, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 45, "annual_fee": 49.0, "fee_period": "annual", "fee_as_stated": 49.0, "annual_fee_stated": true, "annual_fee_note": null, "fee_offers": [], "first_year_fee_waived": false, "foreign_transaction_fee_pct": null, "foreign_transaction_fee": 0.0, "cash_advance_fee_pct": null, "cash_advance_fee": 5.0, "late_payment_fee": 5.0, "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": 100000.0, "min_income": null, "min_age": 18, "restrictions": [], "conditions": [ "credit limit $1,000 to $100,000", "Credit eligibilty criteria, terms and conditions, fees and charges apply.", "You must be or become a P&N Bank member", "3% foreign currency conversion fee", "$5 late payment notification fee at 11 and 30 days overdue, $75 notice of demand at 46 days, $50 a month after 90 days", "no interest-free period on cash advances" ], "source_kind": "feed", "record_stale": false, "source_url": "https://public.cdr-api.pnbank.com.au/cds-au/v1/banking/products/41", "source_snapshot": "/au/finance/credit-cards/v1/source/p-n-bank/41.json", "bank_last_updated": "2026-11-03T20:00:29.2114598Z", "key_facts_sheet_url": "https://www.pnbank.com.au/important-information/terms-and-conditions/classic-credit-card-fact-sheet/", "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": 11.99, "bt_promo_rate_pct": null, "bt_promo_months": null, "bt_fee_pct": null, "bt_revert_rate_pct": null, "from_issuer_page": null }, { "rank": 20, "brand": "Summerland Bank", "brand_label": "Summerland Bank", "brand_slug": "summerland-bank", "legal_entity_abn": "21087650360", "product_id": "74", "product_name": "Low Rate Credit Card", "product_label": "Low Rate Credit Card", "product_slug": "low-rate-credit-card", "page": "/au/finance/credit-cards/cards/summerland-bank/low-rate-credit-card/", "product_url": "https://summerland.com.au/my-banking/credit-cards/", "terms_url": "https://www.summerland.com.au/detailed-credit-card-product-guide", "fees_url": "https://www.summerland.com.au/fees-charges-transaction-limits", "card_type": "credit", "scheme": "visa", "tier": null, "segments": [ "personal" ], "segment": "personal", "purchase_rate_pct": 11.99, "purchase_rate_range_pct": null, "no_interest_card": null, "cash_advance_rate_pct": 15.99, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 56, "annual_fee": 49.0, "fee_period": "annual", "fee_as_stated": 49.0, "annual_fee_stated": true, "annual_fee_note": null, "fee_offers": [ "The discount is available for holders of a Premium Home Loan." ], "first_year_fee_waived": false, "foreign_transaction_fee_pct": null, "foreign_transaction_fee": null, "cash_advance_fee_pct": null, "cash_advance_fee": null, "late_payment_fee": null, "additional_cardholder_fee": null, "balance_transfer": { "promo_rate_pct": 0.0, "promo_months": 9, "fee_pct": null, "revert_rate_pct": null, "revert_to": null, "for_new_cards": null, "for_existing_customers": null, "ongoing_rate_pct": 0.0, "offers": [ { "rate_pct": 0.0, "months": 9, "fee_pct": null, "for_new_cards": null, "for_existing_customers": null, "text": "interest-free balance transfers (feature)" } ] }, "rewards_program": null, "rewards_programs": [], "rewards_program_fee": null, "bonus_offer": null, "cashback_offer": null, "insurances": [], "digital_wallets": [ "Apple Pay", "Google Pay" ], "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: 11.99% on purchases, 15.99% on cash advances and up to 56 interest-free days, per the bank's Key Facts Sheet (correct as at 1 July 2026); the feed gives no purchase or cash advance rate and 55 days", "0.00% on balance transfers for 9 months", "no late payment fee", "up to 56 days interest-free on purchases, including while a balance transfer is outstanding", "minimum balance transfer $1,000, only from Australian-issued non-Summerland cards", "$3.50 fee for each Visa cash advance or ATM withdrawal, including overseas", "$49 annual fee waived in the first year", "0% for 9 months on transfers requested with a new card application, then the purchase rate; no transfer fee; minimum $1,000 from non-Summerland Australian cards", "purchase rate 11.99%, cash advance rate 15.99% (the feed gives no rates)" ], "source_kind": "feed", "record_stale": false, "source_url": "https://public.cdr-api.summerland.com.au/cds-au/v1/banking/products/74", "source_snapshot": "/au/finance/credit-cards/v1/source/summerland-bank/74.json", "bank_last_updated": "2026-11-12T02:00:41.0226439Z", "key_facts_sheet_url": "https://www.summerland.com.au/app/uploads/2023/12/credit-card-key-fact-sheet.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": { "checked": "2026-11-07", "note": "11.99% on purchases, 15.99% on cash advances and up to 56 interest-free days, per the bank's Key Facts Sheet (correct as at 1 July 2026); the feed gives no purchase or cash advance rate and 55 days", "fields": [ "cash_advance_rate_pct", "interest_free_days", "purchase_rate_pct" ], "quotes": { "rate": { "text": "Interest on purchase 11.99%pa 18.99%pa", "url": "https://www.summerland.com.au/app/uploads/2023/12/credit-card-key-fact-sheet.pdf", "citation": { "quote": "Interest on purchase 11.99%pa 18.99%pa", "url": "https://www.summerland.com.au/app/uploads/2023/12/credit-card-key-fact-sheet.pdf#page=1", "page": 1, "document_sha256": "22129d6de721b9cc2b6928f2a0ea923783efd28c0518f699448ad9504e93f56d", "confirmed": "2026-11-12" } }, "cash": { "text": "Interest on cash advances 15.99%pa", "url": "https://www.summerland.com.au/app/uploads/2023/12/credit-card-key-fact-sheet.pdf", "citation": { "quote": "Interest on cash advances 15.99%pa", "url": "https://www.summerland.com.au/app/uploads/2023/12/credit-card-key-fact-sheet.pdf#page=1", "page": 1, "document_sha256": "22129d6de721b9cc2b6928f2a0ea923783efd28c0518f699448ad9504e93f56d", "confirmed": "2026-11-12" } }, "interest_free": { "text": "Up to 56 days on purchase only", "url": "https://www.summerland.com.au/app/uploads/2023/12/credit-card-key-fact-sheet.pdf", "citation": { "quote": "Up to 56 days on purchase only", "url": "https://www.summerland.com.au/app/uploads/2023/12/credit-card-key-fact-sheet.pdf#page=1", "page": 1, "document_sha256": "22129d6de721b9cc2b6928f2a0ea923783efd28c0518f699448ad9504e93f56d", "confirmed": "2026-11-12" } } }, "verified": { "rate": "found", "cash": "found", "interest_free": "found" } }, "kind": "low_rate", "rate_pct": 11.99, "bt_promo_rate_pct": 0.0, "bt_promo_months": 9, "bt_fee_pct": null, "bt_revert_rate_pct": null, "from_issuer_page": [ { "source": "correction", "fields": [ "purchase_rate_pct", "cash_advance_rate_pct", "interest_free_days" ], "confirmed": "2026-11-12", "url": "https://www.summerland.com.au/app/uploads/2023/12/credit-card-key-fact-sheet.pdf#page=1", "quote": "Interest on purchase 11.99%pa 18.99%pa" } ] }, { "rank": 21, "brand": "Bendigo Bank", "brand_label": "Bendigo Bank", "brand_slug": "bendigo-bank", "legal_entity_abn": "11068049178", "product_id": "aab92b58-4260-4b57-8f7f-5e448805b766", "product_name": "Bendigo Bright Credit Card", "product_label": "Bright Credit Card", "product_slug": "bright-credit-card", "page": "/au/finance/credit-cards/cards/bendigo-bank/bright-credit-card/", "product_url": "https://www.bendigobank.com.au/personal/credit-cards/bright/", "terms_url": "https://www.bendigobank.com.au/globalassets/documents/disclosures/bendigo-credit-card-terms-conditions.pdf", "fees_url": "https://www.bendigobank.com.au/globalassets/documents/disclosures/schedule-of-fees-charges-and-transaction-account-rebates.pdf", "card_type": "credit", "scheme": "mastercard", "tier": null, "segments": [ "personal" ], "segment": "personal", "purchase_rate_pct": 11.99, "purchase_rate_range_pct": null, "no_interest_card": null, "cash_advance_rate_pct": 19.99, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 55, "annual_fee": 59.0, "fee_period": "annual", "fee_as_stated": 59.0, "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": 3.0, "cash_advance_fee": null, "late_payment_fee": 15.0, "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": [ "Google Pay", "Samsung Pay", "Apple Pay", "Garmin Pay" ], "instalment_plan": false, "additional_cards": 99, "min_credit_limit": 1000.0, "max_credit_limit": 30000.0, "min_income": null, "min_age": 18, "restrictions": [], "conditions": [ "credit limit $1,000 to $30,000", "cash advance fee $3 or 3%, whichever is greater", "Australian citizens or permanent residents living or working in Australia; personal use only" ], "source_kind": "feed", "record_stale": false, "source_url": "https://api.cdr.bendigobank.com.au/cds-au/v1/banking/products/aab92b58-4260-4b57-8f7f-5e448805b766", "source_snapshot": "/au/finance/credit-cards/v1/source/bendigo-bank/aab92b58-4260-4b57-8f7f-5e448805b766.json", "bank_last_updated": "2026-10-23T01:26:50.341Z", "key_facts_sheet_url": "https://www.bendigobank.com.au/globalassets/documents/personal/creditcards/credit-cards-key-fact-sheet.pdf", "document_links_source": { "terms_url": "found by hand 2026-11-01: terms and conditions", "fees_url": "found by hand 2026-11-01: fees and charges", "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": 11.99, "bt_promo_rate_pct": null, "bt_promo_months": null, "bt_fee_pct": null, "bt_revert_rate_pct": null, "from_issuer_page": null }, { "rank": 22, "brand": "Credit Union SA", "brand_label": "Credit Union SA", "brand_slug": "credit-union-sa", "legal_entity_abn": "36087651232", "product_id": "CREDITUNIONSA_OD_500", "product_name": "Visa Credit Card", "product_label": "Visa Credit Card", "product_slug": "visa-credit-card", "page": "/au/finance/credit-cards/cards/credit-union-sa/visa-credit-card/", "product_url": "https://www.creditunionsa.com.au/cards/visa-credit-card/", "terms_url": "https://cms.creditunionsa.com.au/assets/documents/BRC-1025-Visa-Credit-Card-Terms-and-Conditions.pdf", "fees_url": "https://www.creditunionsa.com.au/fees/credit-cards-and-overdrafts/", "card_type": "credit", "scheme": "visa", "tier": null, "segments": [ "personal" ], "segment": "personal", "purchase_rate_pct": 11.99, "purchase_rate_range_pct": null, "no_interest_card": null, "cash_advance_rate_pct": 11.99, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": null, "annual_fee": 59.0, "fee_period": "annual", "fee_as_stated": 59.0, "annual_fee_stated": true, "annual_fee_note": null, "fee_offers": [ "Annual fee is waived for any employee of the education community and students carrying out studies in education and eligible family members(these are parents, children, grandparents, grandchildren, siblings and partners only).", "Annual fee is waved for any employee at SA Power Network" ], "first_year_fee_waived": false, "foreign_transaction_fee_pct": null, "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": false, "for_existing_customers": true, "ongoing_rate_pct": null, "fee_pct": 0.0, "revert_rate_pct": 11.99, "revert_to": null, "promo_rate_pct": 0.0, "promo_months": 6 }, "rewards_program": null, "rewards_programs": [], "rewards_program_fee": null, "bonus_offer": null, "cashback_offer": null, "insurances": [], "digital_wallets": [ "Apple Pay", "Google Pay", "Garmin Pay", "Samsung Pay" ], "instalment_plan": false, "additional_cards": null, "min_credit_limit": 1000.0, "max_credit_limit": 20000.0, "min_income": null, "min_age": 18, "restrictions": [], "conditions": [ "corrected from the bank's own page: the credit union's page offers 0% on balance transfers for 6 months, at any time to new or existing cardholders, with no transfer fee, then the card's 11.99% variable rate; its feed carries no offer", "credit limit $1,000 to $20,000", "0% on balance transfers for 6 months, available any time to new or existing cardholders, no transfer fee; then 11.99%" ], "source_kind": "feed", "record_stale": false, "source_url": "https://openbanking.api.creditunionsa.com.au/cds-au/v1/banking/products/CREDITUNIONSA_OD_500", "source_snapshot": "/au/finance/credit-cards/v1/source/credit-union-sa/CREDITUNIONSA_OD_500.json", "bank_last_updated": "2026-06-29T00:00:00.000+10:00", "key_facts_sheet_url": "https://cms.creditunionsa.com.au/assets/documents/BRC_1006-Visa-Credit-Card-Key-Fact-Sheets.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": "2026-11-05", "note": "the credit union's page offers 0% on balance transfers for 6 months, at any time to new or existing cardholders, with no transfer fee, then the card's 11.99% variable rate; its feed carries no offer", "fields": [ "balance_transfer" ], "quotes": { "balance_transfer": { "text": "All credit card holders qualify for a balance transfer rate of 0.00% pa for 6 months at any time.", "url": "https://www.creditunionsa.com.au/cards/visa-credit-card/", "citation": { "quote": "All credit card holders qualify for a balance transfer rate of 0.00% pa for 6 months at any time.", "url": "https://www.creditunionsa.com.au/cards/visa-credit-card/#:~:text=All%20credit%20card%20holders%20qualify,6%20months%20at%20any%20time.", "document_sha256": "7d03608e673c3f22884eb2f02b88daff2cc2c59f2ccc72896461fa130af3a0a7", "confirmed": "2026-11-12" } }, "fee": { "text": "Available any time for new or existing accounts and pay no balance transfer fee.", "url": "https://www.creditunionsa.com.au/cards/visa-credit-card/", "citation": { "quote": "Available any time for new or existing accounts and pay no balance transfer fee.", "url": "https://www.creditunionsa.com.au/cards/visa-credit-card/#:~:text=Available%20any%20time%20for%20new,pay%20no%20balance%20transfer%20fee.", "document_sha256": "7d03608e673c3f22884eb2f02b88daff2cc2c59f2ccc72896461fa130af3a0a7", "confirmed": "2026-11-12" } } }, "verified": { "balance_transfer": "found", "fee": "found" } }, "kind": "low_rate", "rate_pct": 11.99, "bt_promo_rate_pct": 0.0, "bt_promo_months": 6, "bt_fee_pct": 0.0, "bt_revert_rate_pct": 11.99, "from_issuer_page": [ { "source": "correction", "fields": [ "bt_promo_rate_pct", "bt_promo_months", "bt_fee_pct", "bt_revert_rate_pct" ], "confirmed": "2026-11-12", "url": "https://www.creditunionsa.com.au/cards/visa-credit-card/#:~:text=All%20credit%20card%20holders%20qualify,6%20months%20at%20any%20time.", "quote": "All credit card holders qualify for a balance transfer rate of 0.00% pa for 6 months at any time." } ] }, { "rank": 23, "brand": "Great Southern Bank", "brand_label": "Great Southern Bank", "brand_slug": "great-southern-bank", "legal_entity_abn": "44087650959", "product_id": "2691-0100", "product_name": "Low Rate Credit Card (New)", "product_label": "Low Rate Credit Card (New)", "product_slug": "low-rate-credit-card-new", "page": "/au/finance/credit-cards/cards/great-southern-bank/low-rate-credit-card-new/", "product_url": "https://www.greatsouthernbank.com.au/credit-cards/low-rate", "terms_url": "https://www.greatsouthernbank.com.au/__data/assets/pdf_file/0024/536154/RC00689_CREDIT_CARD_Conditions_of_Use_and_Credit_Guide_260911.pdf", "fees_url": "https://www.greatsouthernbank.com.au/__data/assets/pdf_file/0021/45903/RC00688_Schedule_of_Fees_CREDIT_CARD_250910.pdf", "card_type": "credit", "scheme": "visa", "tier": null, "segments": [ "personal" ], "segment": "personal", "purchase_rate_pct": 11.99, "purchase_rate_range_pct": null, "no_interest_card": null, "cash_advance_rate_pct": 21.74, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 55, "annual_fee": 60.0, "fee_period": "monthly", "fee_as_stated": 5.0, "annual_fee_stated": true, "annual_fee_note": null, "fee_offers": [], "first_year_fee_waived": false, "foreign_transaction_fee_pct": null, "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" ], "instalment_plan": false, "additional_cards": 3, "min_credit_limit": 500.0, "max_credit_limit": null, "min_income": null, "min_age": 18, "restrictions": [], "conditions": [ "Applications for credit cards are subject to credit approval.", "cash advance fee 2% of the amount, minimum $3.50", "foreign exchange fee 3.40% on purchases and cash advances in foreign currency or with overseas merchants" ], "source_kind": "feed", "record_stale": false, "source_url": "https://api.open-banking.greatsouthernbank.com.au/cds-au/v1/banking/products/2691-0100", "source_snapshot": "/au/finance/credit-cards/v1/source/great-southern-bank/2691-0100.json", "bank_last_updated": "2026-10-30T21:01:00.00000Z", "key_facts_sheet_url": "https://www.greatsouthernbank.com.au/__data/assets/pdf_file/0025/536155/KFS_KEY-FACTS-SHEET_250725.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": 11.99, "bt_promo_rate_pct": null, "bt_promo_months": null, "bt_fee_pct": null, "bt_revert_rate_pct": null, "from_issuer_page": null }, { "rank": 24, "brand": "Bank Australia", "brand_label": "Bank Australia", "brand_slug": "bank-australia", "legal_entity_abn": "21087651607", "product_id": "a3e1054a-73da-469f-863e-0f3418967627", "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/bank-australia/low-rate-visa-credit-card/", "product_url": "https://www.bankaust.com.au/banking/credit-cards/low-rate-visa-credit-card/", "terms_url": "https://www.bankaust.com.au/support/disclosures", "fees_url": "https://www.bankaust.com.au/support/disclosures", "card_type": "credit", "scheme": "visa", "tier": null, "segments": [ "personal" ], "segment": "personal", "purchase_rate_pct": 12.34, "purchase_rate_range_pct": null, "no_interest_card": null, "cash_advance_rate_pct": 12.34, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": null, "annual_fee": 0.0, "fee_period": "annual", "fee_as_stated": 0.0, "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": 3.5, "late_payment_fee": null, "additional_cardholder_fee": 0.0, "balance_transfer": { "promo_rate_pct": 0.0, "promo_months": 6, "fee_pct": null, "revert_rate_pct": 12.34, "revert_to": "purchase", "for_new_cards": null, "for_existing_customers": null, "ongoing_rate_pct": null, "offers": [ { "rate_pct": 0.0, "months": 6, "fee_pct": null, "for_new_cards": null, "for_existing_customers": null, "text": "0% for 6 months. You can request to transfer the balance of another Banks's credit card to your Bank Australia Low Rate Visa Credit Card, to help you reduce interest charges. At the end of the balance transfer period, the rate reverts to the purchase rate at the time." } ] }, "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": 1, "min_credit_limit": 1000.0, "max_credit_limit": null, "min_income": null, "min_age": 18, "restrictions": [], "conditions": [ "confirmed on the bank's own page: 12.34% on purchases and cash advances (from 1 November 2026), no annual fee and 0% for 6 months on balance transfers", "0.00% on balance transfers for 6 months, then 12.34% (the purchase rate)", "Each application for credit is subject to our normal lending criteria and approval.", "no annual fee and no late payment fees", "no interest-free days on purchases", "0% balance transfer applies to balances from other banks only", "aged 18+, living in Australia permanently or temporarily, with a regular source of income" ], "source_kind": "feed", "record_stale": false, "source_url": "https://public.cdr.bankaust.com.au/cds-au/v1/banking/products/a3e1054a-73da-469f-863e-0f3418967627", "source_snapshot": "/au/finance/credit-cards/v1/source/bank-australia/a3e1054a-73da-469f-863e-0f3418967627.json", "bank_last_updated": "2026-11-04T05:54:46.474Z", "key_facts_sheet_url": "https://cdn.bfldr.com/1R31Y8GR/as/9qkmbrnz2ccnwfjwnzhbt9v/Credit_card_key_facts_sheet", "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": { "checked": "2026-11-07", "note": "12.34% on purchases and cash advances (from 1 November 2026), no annual fee and 0% for 6 months on balance transfers", "fields": [], "quotes": { "rate_pct": { "text": "12.34 % p.a. Variable interest rate Effective 1 November 2026", "url": "https://www.bankaust.com.au/banking/credit-cards/low-rate-visa-credit-card/", "citation": { "quote": "12.34 % p.a. Variable interest rate Effective 1 November 2026", "url": "https://www.bankaust.com.au/banking/credit-cards/low-rate-visa-credit-card/#:~:text=12.34%20%25%20p.a.%20Variable%20interest%20rate%20Effective%201%20November%202026", "document_sha256": "89794f0972c469384a93380120f2dc5ede7ee5ba34969ba97fe86f0c36f3f340", "confirmed": "2026-11-12" } }, "annual_fee": { "text": "Annual fee $0", "url": "https://www.bankaust.com.au/banking/credit-cards/low-rate-visa-credit-card/", "citation": { "quote": "Annual fee $0", "url": "https://www.bankaust.com.au/banking/credit-cards/low-rate-visa-credit-card/#:~:text=Annual%20fee%20%240", "document_sha256": "89794f0972c469384a93380120f2dc5ede7ee5ba34969ba97fe86f0c36f3f340", "confirmed": "2026-11-12" } }, "balance_transfer": { "text": "We offer 0% for 6 months on balance transfers with our Low Rate Visa Credit Card.", "url": "https://www.bankaust.com.au/banking/credit-cards/low-rate-visa-credit-card/", "citation": { "quote": "We offer 0% for 6 months on balance transfers with our Low Rate Visa Credit Card.", "url": "https://www.bankaust.com.au/banking/credit-cards/low-rate-visa-credit-card/#:~:text=We%20offer%200%25%20for%206,Low%20Rate%20Visa%20Credit%20Card.", "document_sha256": "89794f0972c469384a93380120f2dc5ede7ee5ba34969ba97fe86f0c36f3f340", "confirmed": "2026-11-12" } }, "rate": { "text": "This rate applies to both purchases and cash advances.", "url": "https://www.bankaust.com.au/banking/credit-cards/low-rate-visa-credit-card/", "citation": { "quote": "This rate applies to both purchases and cash advances.", "url": "https://www.bankaust.com.au/banking/credit-cards/low-rate-visa-credit-card/#:~:text=This%20rate%20applies%20to%20both%20purchases%20and%20cash%20advances.", "document_sha256": "89794f0972c469384a93380120f2dc5ede7ee5ba34969ba97fe86f0c36f3f340", "confirmed": "2026-11-12" } } }, "verified": { "rate_pct": "found", "annual_fee": "found", "balance_transfer": "found", "rate": "found" } }, "kind": "low_rate", "rate_pct": 12.34, "bt_promo_rate_pct": 0.0, "bt_promo_months": 6, "bt_fee_pct": null, "bt_revert_rate_pct": 12.34, "from_issuer_page": [ { "source": "confirmation", "fields": [ "purchase_rate_pct", "annual_fee", "bt_promo_rate_pct", "bt_promo_months", "bt_fee_pct", "bt_revert_rate_pct" ], "confirmed": "2026-11-12", "url": "https://www.bankaust.com.au/banking/credit-cards/low-rate-visa-credit-card/#:~:text=12.34%20%25%20p.a.%20Variable%20interest%20rate%20Effective%201%20November%202026", "quote": "12.34 % p.a. Variable interest rate Effective 1 November 2026" } ] }, { "rank": 25, "brand": "Qudos Bank", "brand_label": "Qudos Bank", "brand_slug": "qudos-bank", "legal_entity_abn": "21087651607", "product_id": "9be8ebbe-7ed3-4ae2-bc1e-c794f5730339", "product_name": "Lifestyle", "product_label": "Lifestyle", "product_slug": "lifestyle", "page": "/au/finance/credit-cards/cards/qudos-bank/lifestyle/", "product_url": "https://www.qudosbank.com.au/products/credit-cards/lifestyle-credit-card", "terms_url": "https://www.qudosbank.com.au/reusable-documents/terms-and-conditions/credit-card-terms-and-conditions/", "fees_url": "https://www.qudosbank.com.au/products/credit-cards/lifestyle-credit-card", "card_type": "credit", "scheme": "visa", "tier": null, "segments": [ "personal" ], "segment": "personal", "purchase_rate_pct": 12.34, "purchase_rate_range_pct": null, "no_interest_card": null, "cash_advance_rate_pct": 12.34, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": null, "annual_fee": 0.0, "fee_period": "annual", "fee_as_stated": 0.0, "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": 3.5, "late_payment_fee": 0.0, "additional_cardholder_fee": 0.0, "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" ], "instalment_plan": false, "additional_cards": 1, "min_credit_limit": 1000.0, "max_credit_limit": 20000.0, "min_income": null, "min_age": 18, "restrictions": [ "existing_customers" ], "conditions": [ "corrected from the bank's own page: 12.34% and no annual fee, per the Key Facts Sheet on the bank's rates page effective 1 November 2026 (a footnote on the card page gives 12.84%, which the sheet does not); the 4.99% introductory rate on purchases and balance transfers ended for new applications on 1 November 2026", "credit limit $1,000 to $20,000", "existing Qudos Bank customers only; new customers are sent to Bank Australia" ], "source_kind": "feed", "record_stale": false, "source_url": "https://public.cdr.qudosbank.com.au/cds-au/v1/banking/products/9be8ebbe-7ed3-4ae2-bc1e-c794f5730339", "source_snapshot": "/au/finance/credit-cards/v1/source/qudos-bank/9be8ebbe-7ed3-4ae2-bc1e-c794f5730339.json", "bank_last_updated": "2026-02-27T04:23:05.801Z", "key_facts_sheet_url": null, "document_links_source": { "terms_url": "found by hand 2026-11-01: terms and conditions" }, "document_date": null, "checked": null, "form": null, "interest_free_balance_threshold": null, "correction": { "checked": "2026-11-01", "note": "12.34% and no annual fee, per the Key Facts Sheet on the bank's rates page effective 1 November 2026 (a footnote on the card page gives 12.84%, which the sheet does not); the 4.99% introductory rate on purchases and balance transfers ended for new applications on 1 November 2026", "fields": [ "balance_transfer", "intro_purchase_months", "intro_purchase_rate_pct", "conditions" ], "quotes": { "effective_date": { "text": "Effective 1 November 2026", "url": "https://www.qudosbank.com.au/products/rates/credit-cards-rates", "citation": { "quote": "Effective 1 November 2026", "url": "https://www.qudosbank.com.au/products/rates/credit-cards-rates#:~:text=Effective%201%20November%202026", "document_sha256": "f9ffd4f9bbfdefc4efe8ec80ecafd10056c9cf68d8798fa27525e19e4d0dff06", "confirmed": "2026-11-12" } }, "rate": { "text": "Interest on purchases 20.99 19.74 12.34", "url": "https://www.qudosbank.com.au/products/rates/credit-cards-rates", "citation": { "quote": "Interest on purchases 20.99 19.74 12.34", "url": "https://www.qudosbank.com.au/products/rates/credit-cards-rates#:~:text=Interest%20on%20purchases%2020.99%2019.74%2012.34", "document_sha256": "f9ffd4f9bbfdefc4efe8ec80ecafd10056c9cf68d8798fa27525e19e4d0dff06", "confirmed": "2026-11-12" } }, "intro_ended": { "text": "From 1 November 2026, the introductory interest rate of 4.99% p.a. for the first 5 months will no longer be available for new Qudos Bank credit card applications.", "url": "https://www.qudosbank.com.au/credit-card-updates", "citation": { "quote": "From 1 November 2026, the introductory interest rate of 4.99% p.a. for the first 5 months will no longer be available for new Qudos Bank credit card applications.", "url": "https://www.qudosbank.com.au/credit-card-updates#:~:text=From%201%20November%202026%2C%20the,Qudos%20Bank%20credit%20card%20applications.", "document_sha256": "f68255c5e06fa836c602634590ee51b50049c2bd74330e3115357572d092bb00", "confirmed": "2026-11-12" } } }, "verified": { "effective_date": "found", "rate": "found", "intro_ended": "found" } }, "kind": "low_rate", "rate_pct": 12.34, "bt_promo_rate_pct": null, "bt_promo_months": null, "bt_fee_pct": null, "bt_revert_rate_pct": null, "from_issuer_page": [ { "source": "correction", "fields": [ "intro_purchase_rate_pct", "intro_purchase_months", "bt_promo_rate_pct", "bt_promo_months", "bt_fee_pct", "bt_revert_rate_pct" ], "confirmed": "2026-11-12", "url": "https://www.qudosbank.com.au/credit-card-updates#:~:text=From%201%20November%202026%2C%20the,Qudos%20Bank%20credit%20card%20applications.", "quote": "From 1 November 2026, the introductory interest rate of 4.99% p.a. for the first 5 months will no longer be available for new Qudos Bank credit card applications." }, { "source": "watched_term", "fields": [ "restrictions" ], "confirmed": "2026-11-12", "url": "https://www.qudosbank.com.au/products/credit-cards/lifestyle-credit-card#:~:text=If%20you%E2%80%99re%20a%20new%20customer%2C,on%20the%20Bank%20Australia%20website.", "quote": "If you’re a new customer, select ‘I’m a new customer’ to view Bank Australia credit cards on the Bank Australia website." } ] }, { "rank": 26, "brand": "Maitland Mutual Limited", "brand_label": "The Mutual Bank", "brand_slug": "maitland-mutual-limited", "legal_entity_abn": "94087651983", "product_id": "Mutual_Visa_Credit_Card", "product_name": "Mutual Visa Credit Card", "product_label": "Mutual Visa Credit Card", "product_slug": "mutual-visa-credit-card", "page": "/au/finance/credit-cards/cards/maitland-mutual-limited/mutual-visa-credit-card/", "product_url": "https://www.themutual.com.au/everyday-banking/personal-finance/mutual-visa-credit-card/", "terms_url": "https://www.themutual.com.au/help-support/important-documents/", "fees_url": "https://www.themutual.com.au/help-support/important-documents/", "card_type": "credit", "scheme": "visa", "tier": null, "segments": [ "personal" ], "segment": "personal", "purchase_rate_pct": 12.49, "purchase_rate_range_pct": null, "no_interest_card": null, "cash_advance_rate_pct": 12.49, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 55, "annual_fee": 49.0, "fee_period": "annual", "fee_as_stated": 49.0, "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" ], "instalment_plan": false, "additional_cards": 1, "min_credit_limit": 500.0, "max_credit_limit": 20000.0, "min_income": null, "min_age": 18, "restrictions": [], "conditions": [ "credit limit $500 to $20,000" ], "source_kind": "feed", "record_stale": false, "source_url": "https://openbanking.themutual.com.au/OpenBanking/cds-au/v1/banking/products/Mutual_Visa_Credit_Card", "source_snapshot": "/au/finance/credit-cards/v1/source/maitland-mutual-limited/Mutual_Visa_Credit_Card.json", "bank_last_updated": "2026-07-15T07:46:22.000+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": 12.49, "bt_promo_rate_pct": null, "bt_promo_months": null, "bt_fee_pct": null, "bt_revert_rate_pct": null, "from_issuer_page": null }, { "rank": 27, "brand": "Beyond Bank Australia", "brand_label": "Beyond Bank Australia", "brand_slug": "beyond-bank-australia", "legal_entity_abn": "15087651143", "product_id": "11", "product_name": "Low Rate Credit Card", "product_label": "Low Rate Credit Card", "product_slug": "low-rate-credit-card", "page": "/au/finance/credit-cards/cards/beyond-bank-australia/low-rate-credit-card/", "product_url": "https://www.beyondbank.com.au/bank-and-save/debit-and-credit-cards/low-rate-visa-credit-card/", "terms_url": "https://brand.beyondbank.com.au/m/4ac003904302eec8/original/Low-Rate-Credit-Card-Terms-and-Conditions.pdf", "fees_url": "https://brand.beyondbank.com.au/m/7470681f224b04de/original/Fees-and-Charges-website.pdf", "card_type": "credit", "scheme": "visa", "tier": null, "segments": [ "personal" ], "segment": "personal", "purchase_rate_pct": 12.49, "purchase_rate_range_pct": null, "no_interest_card": null, "cash_advance_rate_pct": 12.49, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 62, "annual_fee": 59.0, "fee_period": "annual", "fee_as_stated": 59.0, "annual_fee_stated": true, "annual_fee_note": null, "fee_offers": [], "first_year_fee_waived": false, "foreign_transaction_fee_pct": null, "foreign_transaction_fee": null, "cash_advance_fee_pct": null, "cash_advance_fee": null, "late_payment_fee": null, "additional_cardholder_fee": null, "balance_transfer": { "promo_rate_pct": 0.0, "promo_months": 12, "fee_pct": null, "revert_rate_pct": null, "revert_to": null, "for_new_cards": true, "for_existing_customers": null, "ongoing_rate_pct": null, "offers": [ { "rate_pct": 0.0, "months": 12, "fee_pct": null, "for_new_cards": true, "for_existing_customers": null, "text": "For a limited time, this offer is available on balance transfers for a 12 month period with any newly approved Low Rate Visa Credit Card. It applies exclusively to balance transfers from credit cards not issued by Beyond Bank. A minimum transfer amount of $500 is required, and the offer must be req…" }, { "rate_pct": 4.99, "months": 6, "fee_pct": null, "for_new_cards": true, "for_existing_customers": null, "text": "For a limited time, this discounted rate is available on balance transfers for a 6 month period with any newly approved Low Rate Visa Credit Card. It applies exclusively to balance transfers from credit cards not issued by Beyond Bank. A minimum transfer amount of $500 is required, and the offer mu…" } ] }, "rewards_program": null, "rewards_programs": [], "rewards_program_fee": null, "bonus_offer": null, "cashback_offer": null, "insurances": [], "digital_wallets": [ "Mobile Wallet" ], "instalment_plan": false, "additional_cards": 4, "min_credit_limit": 1000.0, "max_credit_limit": 80000.0, "min_income": null, "min_age": 18, "restrictions": [], "conditions": [ "0.00% on balance transfers for 12 months; new cards", "credit limit $1,000 to $80,000", "Lending criteria applies.", "Membership: You must be or become a Beyond Bank Australia member", "0% for 12 months only on transfers made within a month of applying (later: 4.99% for 6 months), from non-Beyond Bank cards, minimum $500; then the purchase rate", "$25 default fee each month while in default, plus $20 for each default notice (no separate late fee)", "3% international transaction fee" ], "source_kind": "feed", "record_stale": false, "source_url": "https://public.cdr.api.beyondbank.com.au/cds-au/v1/banking/products/11", "source_snapshot": "/au/finance/credit-cards/v1/source/beyond-bank-australia/11.json", "bank_last_updated": "2026-10-14T02:00:31.6711382Z", "key_facts_sheet_url": "https://www.beyondbank.com.au/bank-and-save/debit-and-credit-cards/low-rate-visa-credit-card/credit-card-key-fact-sheet/", "document_links_source": { "terms_url": "found by hand 2026-11-01: terms and conditions", "fees_url": "found by hand 2026-11-01: fees and charges", "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": 12.49, "bt_promo_rate_pct": 0.0, "bt_promo_months": 12, "bt_fee_pct": null, "bt_revert_rate_pct": null, "from_issuer_page": null }, { "rank": 28, "brand": "Horizon Bank", "brand_label": "Horizon Bank", "brand_slug": "horizon-bank", "legal_entity_abn": "66087650173", "product_id": "S97_S970001", "product_name": "VISA CREDIT CARD", "product_label": "Visa Credit Card", "product_slug": "visa-credit-card", "page": "/au/finance/credit-cards/cards/horizon-bank/visa-credit-card/", "product_url": "https://horizonbank.com.au/loans/credit-facilities/visa-credit-card/", "terms_url": "https://horizonbank.com.au/reusable-documents/disclosure-documents/visa-credit-card-conditions-of-use/", "fees_url": "https://horizonbank.com.au/loans/credit-facilities/visa-credit-card/", "card_type": "credit", "scheme": "visa", "tier": null, "segments": [ "personal" ], "segment": "personal", "purchase_rate_pct": 12.95, "purchase_rate_range_pct": null, "no_interest_card": null, "cash_advance_rate_pct": 12.95, "intro_purchase_rate_pct": 4.99, "intro_purchase_months": 5, "interest_free_days": 55, "annual_fee": 49, "fee_period": "annual", "fee_as_stated": 49, "annual_fee_stated": true, "annual_fee_note": null, "fee_offers": [], "first_year_fee_waived": false, "foreign_transaction_fee_pct": null, "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", "Samsung Pay", "Google Pay" ], "instalment_plan": false, "additional_cards": null, "min_credit_limit": 500.0, "max_credit_limit": 30000, "min_income": null, "min_age": 18, "restrictions": [], "conditions": [ "corrected from the bank's own page: a $49 annual fee, 4.99% for the first 5 months and a $30,000 maximum limit, per the bank's Key Facts Sheet (\"Annual fee $49\"; \"4.99% p.a. introductory rate – applicable for a 5 month period\") and card FAQ; the feed states no fee and a 7.96% introductory rate", "7.96% on purchases for the first 5 months, then the purchase rate", "$49 annual fee", "late payment fee $10", "credit limit $500 to $30,000", "the introductory rate also applies to balance transfers made in the first 5 months", "must become a Horizon member (anyone can apply)" ], "source_kind": "feed", "record_stale": false, "source_url": "https://onlinebanking.horizonbank.com.au/openbanking/cds-au/v1/banking/products/S97_S970001", "source_snapshot": "/au/finance/credit-cards/v1/source/horizon-bank/S97_S970001.json", "bank_last_updated": "2026-11-04T10:53:38.000+11:00", "key_facts_sheet_url": "https://horizonbank.com.au/media/3900/credit-card-key-fact-sheet-010924.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": "2026-11-07", "note": "a $49 annual fee, 4.99% for the first 5 months and a $30,000 maximum limit, per the bank's Key Facts Sheet (\"Annual fee $49\"; \"4.99% p.a. introductory rate – applicable for a 5 month period\") and card FAQ; the feed states no fee and a 7.96% introductory rate", "fields": [ "annual_fee", "annual_fee_stated", "fee_as_stated", "fee_period", "intro_purchase_months", "intro_purchase_rate_pct", "max_credit_limit" ], "quotes": { "annual_fee": { "text": "Annual fee $49", "url": "https://horizonbank.com.au/media/3900/credit-card-key-fact-sheet-010924.pdf", "citation": { "quote": "Annual fee $49", "url": "https://horizonbank.com.au/media/3900/credit-card-key-fact-sheet-010924.pdf#page=1", "page": 1, "document_sha256": "d547dc34b449d6ddabd5469370f04ff32f2ee23f1b9e9f489a69eaabbaea2de9", "confirmed": "2026-11-12" } }, "intro": { "text": "4.99% p.a. introductory rate – applicable for a 5 month period", "url": "https://horizonbank.com.au/media/3900/credit-card-key-fact-sheet-010924.pdf", "citation": { "quote": "4.99% p.a. introductory rate – applicable for a 5 month period", "url": "https://horizonbank.com.au/media/3900/credit-card-key-fact-sheet-010924.pdf#page=1", "page": 1, "document_sha256": "d547dc34b449d6ddabd5469370f04ff32f2ee23f1b9e9f489a69eaabbaea2de9", "confirmed": "2026-11-12" } }, "credit_limit": { "text": "The minimum amount you can borrow for a Visa Credit Card is $500 and the maximum amount is $30,000.", "url": "https://horizonbank.com.au/help/faqs/visa-credit-card-faqs/", "citation": { "quote": "The minimum amount you can borrow for a Visa Credit Card is $500 and the maximum amount is $30,000.", "url": "https://horizonbank.com.au/help/faqs/visa-credit-card-faqs/#:~:text=The%20minimum%20amount%20you%20can,the%20maximum%20amount%20is%20%2430%2C000.", "document_sha256": "0ecb878032b91e8f32e9fa99d86edd907fa461cd6826adcb2b5df305fd17cd8c", "confirmed": "2026-11-12" } } }, "verified": { "annual_fee": "found", "intro": "found", "credit_limit": "found" } }, "kind": "low_rate", "rate_pct": 12.95, "bt_promo_rate_pct": null, "bt_promo_months": null, "bt_fee_pct": null, "bt_revert_rate_pct": null, "from_issuer_page": [ { "source": "correction", "fields": [ "annual_fee", "intro_purchase_rate_pct", "intro_purchase_months", "max_credit_limit" ], "confirmed": "2026-11-12", "url": "https://horizonbank.com.au/media/3900/credit-card-key-fact-sheet-010924.pdf#page=1", "quote": "Annual fee $49" } ] }, { "rank": 29, "brand": "People First and Heritage Bank", "brand_label": "People First Bank / Heritage Bank", "brand_slug": "people-first-and-heritage-bank", "legal_entity_abn": "11087651125", "product_id": "ef54bfdb-5db3-4ce7-b678-25492785377a", "product_name": "Visa Credit Card", "product_label": "Visa Credit Card", "product_slug": "visa-credit-card", "page": "/au/finance/credit-cards/cards/people-first-and-heritage-bank/visa-credit-card/", "product_url": "https://www.peoplefirstbank.com.au/loans/visa-credit-card", "terms_url": "https://www.peoplefirstbank.com.au/brc-8-3-2", "fees_url": "https://www.peoplefirstbank.com.au/-/media/project/peoplefirst/pfbwebsite/medialibrary/files/general/brochures/brc-8-6-2-fees-and-charges.pdf", "card_type": "credit", "scheme": "visa", "tier": null, "segments": [ "personal" ], "segment": "personal", "purchase_rate_pct": 12.95, "purchase_rate_range_pct": null, "no_interest_card": null, "cash_advance_rate_pct": 12.95, "intro_purchase_rate_pct": 2.99, "intro_purchase_months": 6, "interest_free_days": 62, "annual_fee": 59, "fee_period": "annual", "fee_as_stated": 59, "annual_fee_stated": true, "annual_fee_note": null, "fee_offers": [], "first_year_fee_waived": false, "foreign_transaction_fee_pct": null, "foreign_transaction_fee": null, "cash_advance_fee_pct": null, "cash_advance_fee": null, "late_payment_fee": null, "additional_cardholder_fee": null, "balance_transfer": { "promo_rate_pct": 2.99, "promo_months": 6, "fee_pct": null, "revert_rate_pct": null, "revert_to": null, "for_new_cards": null, "for_existing_customers": null, "ongoing_rate_pct": null, "offers": [ { "rate_pct": 2.99, "months": 6, "fee_pct": null, "for_new_cards": null, "for_existing_customers": null, "text": "A low introductory rate of 2.99% p.a. for the first 6 months - available across all balance transfers, cash advances and purchases" } ] }, "rewards_program": null, "rewards_programs": [], "rewards_program_fee": null, "bonus_offer": null, "cashback_offer": null, "insurances": [], "digital_wallets": [ "The Pays" ], "instalment_plan": false, "additional_cards": null, "min_credit_limit": 1000.0, "max_credit_limit": null, "min_income": null, "min_age": 18, "restrictions": [], "conditions": [ "corrected from the bank's own page: a $59 annual fee and up to 62 interest-free days, per the bank's card page (\"Annual Visa Credit Card Fee $59 per account\"; \"Up to 62 days interest free\"); the feed carries both but files the fee as a transaction fee and the days as P2M1D, so neither was read", "2.99% on purchases for the first 6 months, then the purchase rate", "2.99% on balance transfers for 6 months", "Terms, conditions, fees, charges and lending criteria apply and are available on application", "$59 annual card fee (the feed files it as a transaction fee, so it is not published), waived for under-25s with an Activate account, home loan or line of credit holders and some relationship customers", "up to 62 interest-free days on purchases, only when both the previous and current statement balances are paid in full" ], "source_kind": "feed", "record_stale": false, "source_url": "https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products/ef54bfdb-5db3-4ce7-b678-25492785377a", "source_snapshot": "/au/finance/credit-cards/v1/source/people-first-and-heritage-bank/ef54bfdb-5db3-4ce7-b678-25492785377a.json", "bank_last_updated": "2026-05-04T14:36:10.727Z", "key_facts_sheet_url": "https://www.peoplefirstbank.com.au/-/media/project/peoplefirst/pfbwebsite/medialibrary/files/general/brochures/brc-8-1-6-credit-card-key-facts-sheet.pdf", "document_links_source": { "fees_url": "found by hand 2026-11-01: fees and charges", "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": "2026-11-01", "note": "a $59 annual fee and up to 62 interest-free days, per the bank's card page (\"Annual Visa Credit Card Fee $59 per account\"; \"Up to 62 days interest free\"); the feed carries both but files the fee as a transaction fee and the days as P2M1D, so neither was read", "fields": [ "annual_fee", "annual_fee_stated", "fee_as_stated", "fee_period", "interest_free_days" ], "quotes": { "annual_fee": { "text": "Annual Visa Credit Card Fee $59 per account", "url": "https://www.peoplefirstbank.com.au/loans/visa-credit-card", "citation": { "quote": "Annual Visa Credit Card Fee $59 per account", "url": "https://www.peoplefirstbank.com.au/loans/visa-credit-card#:~:text=Annual%20Visa%20Credit%20Card%20Fee%20%2459%20per%20account", "document_sha256": "e54b5d686aaaf58afbdc1ea41b979aecea163d1178f4fa4a8fa625c45d916bda", "confirmed": "2026-11-12" } }, "interest_free": { "text": "Up to 62 days interest free", "url": "https://www.peoplefirstbank.com.au/loans/visa-credit-card", "citation": { "quote": "Up to 62 days interest free", "url": "https://www.peoplefirstbank.com.au/loans/visa-credit-card#:~:text=Up%20to%2062%20days%20interest%20free", "document_sha256": "e54b5d686aaaf58afbdc1ea41b979aecea163d1178f4fa4a8fa625c45d916bda", "confirmed": "2026-11-12" } } }, "verified": { "annual_fee": "found", "interest_free": "found" } }, "kind": "low_rate", "rate_pct": 12.95, "bt_promo_rate_pct": 2.99, "bt_promo_months": 6, "bt_fee_pct": null, "bt_revert_rate_pct": null, "from_issuer_page": [ { "source": "correction", "fields": [ "annual_fee", "interest_free_days" ], "confirmed": "2026-11-12", "url": "https://www.peoplefirstbank.com.au/loans/visa-credit-card#:~:text=Annual%20Visa%20Credit%20Card%20Fee%20%2459%20per%20account", "quote": "Annual Visa Credit Card Fee $59 per account" } ] }, { "rank": 30, "brand": "ING BANK (Australia) Ltd", "brand_label": "ING", "brand_slug": "ing-bank-australia-ltd", "legal_entity_abn": "24000893292", "product_id": "5031dc6b-6993-4de1-8e0b-a96de30c2f28", "product_name": "Orange One Low Rate", "product_label": "Orange One Low Rate", "product_slug": "orange-one-low-rate", "page": "/au/finance/credit-cards/cards/ing-bank-australia-ltd/orange-one-low-rate/", "product_url": "https://www.ing.com.au/credit-cards/orange-one.html", "terms_url": "https://www.ing.com.au/pdf/orangeone/Orange%20One%20Terms%20and%20Conditions.pdf", "fees_url": null, "card_type": "credit", "scheme": "visa", "tier": null, "segments": [ "personal" ], "segment": "personal", "purchase_rate_pct": 12.99, "purchase_rate_range_pct": null, "no_interest_card": null, "cash_advance_rate_pct": 12.99, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 45, "annual_fee": 48.0, "fee_period": "annual", "fee_as_stated": 48.0, "annual_fee_stated": true, "annual_fee_note": null, "fee_offers": [], "first_year_fee_waived": false, "foreign_transaction_fee_pct": 0.0, "foreign_transaction_fee": null, "cash_advance_fee_pct": 3.0, "cash_advance_fee": null, "late_payment_fee": 30.0, "additional_cardholder_fee": 10.0, "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" ], "instalment_plan": false, "additional_cards": 3, "min_credit_limit": 1000.0, "max_credit_limit": 30000.0, "min_income": 36000.0, "min_age": 18, "restrictions": [], "conditions": [ "credit limit $1,000 to $30,000", "minimum income $36,000 a year", "Have and maintain an Australian residential address.", "You need to hold, or have applied for, an ING Orange Everyday Transaction Account at the time you apply.", "Monthly Auto-Pay from a linked ING account for the Minimum or Full Amount." ], "source_kind": "feed", "record_stale": false, "source_url": "https://id.ob.ing.com.au/cds-au/v1/banking/products/5031dc6b-6993-4de1-8e0b-a96de30c2f28", "source_snapshot": "/au/finance/credit-cards/v1/source/ing-bank-australia-ltd/5031dc6b-6993-4de1-8e0b-a96de30c2f28.json", "bank_last_updated": "2026-08-11T06:21:03.003Z", "key_facts_sheet_url": "https://www.ing.com.au/pdf/orangeone/Orange%20One%20Key%20Facts%20Sheet.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": null, "kind": "low_rate", "rate_pct": 12.99, "bt_promo_rate_pct": null, "bt_promo_months": null, "bt_fee_pct": null, "bt_revert_rate_pct": null, "from_issuer_page": null }, { "rank": 31, "brand": "Bankwest", "brand_label": "Bankwest", "brand_slug": "bankwest", "legal_entity_abn": "48123123124", "product_id": "9ce7236b194f4294b5cf84452e9025c2", "product_name": "Bankwest Breeze Platinum Mastercard", "product_label": "Breeze Platinum Mastercard", "product_slug": "breeze-platinum-mastercard", "page": "/au/finance/credit-cards/cards/bankwest/breeze-platinum-mastercard/", "product_url": "https://www.bankwest.com.au/credit-cards/low-rate", "terms_url": null, "fees_url": "https://www.bankwest.com.au/credit-cards/low-rate", "card_type": "credit", "scheme": "mastercard", "tier": "platinum", "segments": [ "personal" ], "segment": "personal", "purchase_rate_pct": 12.99, "purchase_rate_range_pct": null, "no_interest_card": null, "cash_advance_rate_pct": 21.99, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 55, "annual_fee": 59.0, "fee_period": "annual", "fee_as_stated": 59.0, "annual_fee_stated": true, "annual_fee_note": null, "fee_offers": [ "No credit card annual fee applies when the card is taken out as an eligible card with the Complete Home Loan Package." ], "first_year_fee_waived": false, "foreign_transaction_fee_pct": 0.0, "foreign_transaction_fee": null, "cash_advance_fee_pct": 3.0, "cash_advance_fee": null, "late_payment_fee": 25.0, "additional_cardholder_fee": null, "balance_transfer": { "promo_rate_pct": 0.0, "promo_months": 24, "fee_pct": 3.0, "revert_rate_pct": 12.99, "revert_to": "balance_transfer", "for_new_cards": true, "for_existing_customers": null, "ongoing_rate_pct": 12.99, "offers": [ { "rate_pct": 0.0, "months": 24, "fee_pct": null, "for_new_cards": true, "for_existing_customers": null, "text": "0% p.a. for 24 months on balance transfers after your Card is approved. After the intro period, the ongoing balance transfer rate applies. Limited time for new Breeze Mastercard customers only. Minimum balance transfer amount is $500 and a balance transfer request will only be processed up to 95% o…" } ] }, "rewards_program": null, "rewards_programs": [], "rewards_program_fee": null, "bonus_offer": null, "cashback_offer": null, "insurances": [ "Complimentary Overseas Travel Insurance" ], "digital_wallets": [ "Apple Pay", "Garmin Pay", "Google Pay", "Samsung Pay" ], "instalment_plan": true, "additional_cards": 3, "min_credit_limit": 1000.0, "max_credit_limit": null, "min_income": null, "min_age": 18, "restrictions": [], "conditions": [ "0.00% on balance transfers for 24 months, 3% transfer fee, then 12.99% (the balance transfer rate); new cards", "Customers must meet Bankwest's credit assessment criteria, which includes demonstrating the capacity to service the credit facility.", "no foreign transaction fees or overseas ATM fees", "cash advance fee 3% or $4, whichever is greater", "minimum balance transfer $500", "temporary residents on some visa types cannot apply", "not for people who already hold a Breeze Mastercard" ], "source_kind": "feed", "record_stale": false, "source_url": "https://open-api.bankwest.com.au/bwpublic/cds-au/v1/banking/products/9ce7236b194f4294b5cf84452e9025c2", "source_snapshot": "/au/finance/credit-cards/v1/source/bankwest/9ce7236b194f4294b5cf84452e9025c2.json", "bank_last_updated": "2026-10-09T11:08:30.000Z", "key_facts_sheet_url": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20220227-113508.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": 12.99, "bt_promo_rate_pct": 0.0, "bt_promo_months": 24, "bt_fee_pct": 3.0, "bt_revert_rate_pct": 12.99, "from_issuer_page": null }, { "rank": 32, "brand": "Virgin Money", "brand_label": "Virgin Money", "brand_slug": "virgin-money", "legal_entity_abn": "32009656740", "product_id": "8cb23721-102c-ee11-9965-002248e1d56c", "product_name": "Virgin Money Low Rate Credit Card", "product_label": "Low Rate Credit Card", "product_slug": "low-rate-credit-card", "page": "/au/finance/credit-cards/cards/virgin-money/low-rate-credit-card/", "product_url": "https://www.virginmoney.com.au/credit-cards/low-rate-credit-card", "terms_url": "https://www.virginmoney.com.au/content/dam/virginmoney/vma-downloads/credit-cards/credit-card-terms-and-conditions.pdf", "fees_url": "https://www.virginmoney.com.au/help-and-support/rates-and-fees/credit-cards", "card_type": "credit", "scheme": "visa", "tier": null, "segments": [ "personal" ], "segment": "personal", "purchase_rate_pct": 12.99, "purchase_rate_range_pct": null, "no_interest_card": null, "cash_advance_rate_pct": 21.69, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 55, "annual_fee": 99.0, "fee_period": "annual", "fee_as_stated": 99.0, "annual_fee_stated": true, "annual_fee_note": null, "fee_offers": [], "first_year_fee_waived": false, "foreign_transaction_fee_pct": null, "foreign_transaction_fee": null, "cash_advance_fee_pct": 2.7, "cash_advance_fee": 2.7, "late_payment_fee": 30.0, "additional_cardholder_fee": null, "balance_transfer": { "promo_rate_pct": 0.0, "promo_months": 24, "fee_pct": 3.0, "revert_rate_pct": 21.69, "revert_to": "cash_advance", "for_new_cards": null, "for_existing_customers": null, "ongoing_rate_pct": 21.69, "offers": [ { "rate_pct": 0.0, "months": 24, "fee_pct": 3.0, "for_new_cards": null, "for_existing_customers": null, "text": "0% p.a. for 24 months on balance transfers from approval. 3% balance transfer fee applies. 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"cashback_offer": null, "insurances": [], "digital_wallets": [ "Apple Pay", "Google Pay", "Samsung Pay" ], "instalment_plan": false, "additional_cards": null, "min_credit_limit": 500.0, "max_credit_limit": 20000.0, "min_income": null, "min_age": 18, "restrictions": [], "conditions": [ "corrected from the bank's own page: 13.45% on purchases, a $30 annual fee and up to 55 days interest-free", "credit limit $500 to $20,000" ], "source_kind": "feed", "record_stale": false, "source_url": "https://online.swsbank.com.au/openbanking/cds-au/v1/banking/products/S3_VC", "source_snapshot": "/au/finance/credit-cards/v1/source/swsbank/S3_VC.json", "bank_last_updated": "2025-09-15T11:05:37.000+10:00", "key_facts_sheet_url": "https://swsbank.com.au/reusable-documents/tc/key-facts-credit-card/", "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": 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"Google Pay" ], "instalment_plan": true, "additional_cards": 4, "min_credit_limit": 1000.0, "max_credit_limit": 60000.0, "min_income": null, "min_age": 18, "restrictions": [], "conditions": [ "corrected from the bank's own page: the issuer's page offers 0% on balance transfers for 18 months with a 3% fee, reverting to the cash advance rate, for new cards applied for by 1 March 2027; its feed carries no offer", "credit limit $1,000 to $60,000", "must be an Australian resident for tax purposes with a regular income", "cash advance fee $1.95 minimum (or 3%) in Australia, $5 overseas; over-the-counter $2.25; paper statements $2", "0% on balance transfers for 18 months with a 3% fee, reverting to the 20.74% cash advance rate; up to 80% of the limit; new cards only", "balance transfer offer for new cards only, not when closing or transferring from another Coles Mastercard", "balance transfer offer for applications by 1 March 2027" ], "source_kind": "feed", "record_stale": false, "source_url": "https://api.openbanking.secure.coles.com.au/cds-au/v1/banking/products/8520f466-2c02-4af7-83fa-8ae13162a034", "source_snapshot": "/au/finance/credit-cards/v1/source/coles-credit-cards/8520f466-2c02-4af7-83fa-8ae13162a034.json", "bank_last_updated": "2026-11-02T00:12:00Z", "key_facts_sheet_url": "https://www.coles.com.au/content/dam/coles/coles-financial-services/credit-cards/documents-and-forms/pdfs/coles-credit-cards-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": "2026-11-07", "note": "the issuer's page offers 0% on balance transfers for 18 months with a 3% fee, reverting to the cash advance rate, for new cards applied for by 1 March 2027; its feed carries no offer", "fields": [ "balance_transfer" ], "quotes": { "balance_transfer": { "text": "0% p.a. on Balance Transfers for 18 months. 3% Balance Transfer fee applies.", "url": "https://www.coles.com.au/credit-cards/low-rate", "citation": { "quote": "0% p.a. on Balance Transfers for 18 months. 3% Balance Transfer fee applies.", "url": "https://www.coles.com.au/credit-cards/low-rate#:~:text=0%25%20p.a.%20on%20Balance%20Transfers,3%25%20Balance%20Transfer%20fee%20applies.", "document_sha256": "087d80988540e3a5ed919ba1c2847525a00126ba97d87c5007b4e559f94b9bfe", "confirmed": "2026-11-12" } } }, "verified": { "balance_transfer": "found" } }, "kind": "low_rate", "rate_pct": 13.49, "bt_promo_rate_pct": 0.0, "bt_promo_months": 18, "bt_fee_pct": 3.0, "bt_revert_rate_pct": 20.74, "from_issuer_page": [ { "source": "correction", "fields": [ "bt_promo_rate_pct", "bt_promo_months", "bt_fee_pct", "bt_revert_rate_pct" ], "confirmed": "2026-11-12", "url": 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There are no interest-free days in the credit card sense.", "The $9.95 monthly account fee is waived in any month with nothing owing at the end of the month; annual_fee is twelve months of it.", "Minimum monthly repayments are a fixed amount set by the credit limit ($120 a month on a $4,000 limit, the page's example).", "no foreign transaction fees", "$300 cashback for a new account approved by 11:59pm AEDT 6 December 2026 with $8,000 spend in the first 3 months", "cashback offer for new Zip customers only" ], "source_kind": "document", "record_stale": false, "source_url": "https://zip.co/au/zip-plus", "source_snapshot": null, "bank_last_updated": "2026-11-12T02:35:39+00:00", "key_facts_sheet_url": null, "document_links_source": null, "document_date": null, "checked": { "at": "2026-11-12T02:35:39+00:00", "quotes": { "purchase_rate": { "status": "found", "url": "https://zip.co/au/zip-plus", "confirmed": "2026-11-12", "cite_url": "https://zip.co/au/zip-plus#:~:text=Standard%20interest%20rate%20is%2013.70%25,as%20at%201%20April%202026.", "document_sha256": "09005fdcdc710326a19c6319b5f681f604f9de74f9bb77feeb4c06b85c9e19ba" }, "interest_threshold": { "status": "found", "url": "https://zip.co/au/zip-plus", "confirmed": "2026-11-12", "cite_url": "https://zip.co/au/zip-plus#:~:text=No%20interest%20will%20be%20charged,month%20is%20%241%2C000%20or%20less.", "document_sha256": "09005fdcdc710326a19c6319b5f681f604f9de74f9bb77feeb4c06b85c9e19ba" }, "annual_fee": { "status": "found", "url": "https://zip.co/au/zip-plus", "confirmed": "2026-11-12", "cite_url": "https://zip.co/au/zip-plus#:~:text=Monthly%20Account%20Fee%20%249.95%2Fmonth%20Waived,end%20of%20each%20calendar%20month.", "document_sha256": "09005fdcdc710326a19c6319b5f681f604f9de74f9bb77feeb4c06b85c9e19ba" }, "late_payment_fee": { "status": "found", "url": "https://zip.co/au/zip-plus", "confirmed": "2026-11-12", "cite_url": "https://zip.co/au/zip-plus#:~:text=If%20the%20minimum%20monthly%20payment,incur%20a%20%2415%20late%20fee.", "document_sha256": "09005fdcdc710326a19c6319b5f681f604f9de74f9bb77feeb4c06b85c9e19ba" }, "credit_limit": { "status": "found", "url": "https://zip.co/au", "confirmed": "2026-11-12", "cite_url": "https://zip.co/au#:~:text=Credit%20%242%2C000%20%2D%20%2420%2C000%20Up%20to%20%2420%2C000", "document_sha256": "2d0a92647069f1a994f067d8b3222808222a655fc03982bcc06c08359fb19cf2" }, "virtual_card": { "status": "found", "url": "https://zip.co/au/zip-plus", "confirmed": "2026-11-12", "cite_url": "https://zip.co/au/zip-plus#:~:text=The%20Zip%20Visa%20Card%20works,don%27t%20see%20Zip%20at%20checkout.", "document_sha256": "09005fdcdc710326a19c6319b5f681f604f9de74f9bb77feeb4c06b85c9e19ba" }, "issuer.issuer": { "status": "found", "url": "https://zip.co/au/zip-plus", "confirmed": "2026-11-12", "cite_url": "https://zip.co/au/zip-plus#:~:text=Credit%20provided%20by%20ZipMoney%20Payments,Australian%20Credit%20Licence%20Number%20441878.", "document_sha256": "09005fdcdc710326a19c6319b5f681f604f9de74f9bb77feeb4c06b85c9e19ba" }, "issuer.foreign_transaction_fee": { "status": "found", "url": "https://zip.co/au/zip-plus", "confirmed": "2026-11-12", "cite_url": "https://zip.co/au/zip-plus#:~:text=Pay%20no%20foreign%20transaction%20fees,when%20buying%20from%20overseas%20websites.", "document_sha256": "09005fdcdc710326a19c6319b5f681f604f9de74f9bb77feeb4c06b85c9e19ba" } } }, "form": "virtual_card", "interest_free_balance_threshold": 1000, "correction": null, "kind": "low_rate", "rate_pct": 13.7, "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", "interest_free_balance_threshold", "annual_fee", "late_payment_fee", "min_credit_limit", "max_credit_limit", "form", "foreign_transaction_fee_pct" ], "confirmed": "2026-11-12", "url": "https://zip.co/au/zip-plus#:~:text=Standard%20interest%20rate%20is%2013.70%25,as%20at%201%20April%202026.", "quote": "Standard interest rate is 13.70% p.a as at 1 April 2026." } ] }, { "rank": 37, "brand": "ANZ", "brand_label": "ANZ", "brand_slug": "anz", "legal_entity_abn": "11005357522", "product_id": "7c74f4ae-4965-08a0-c5c0-7bf2c677269b", "product_name": "ANZ Low Rate", "product_label": "Low Rate", "product_slug": "low-rate", "page": "/au/finance/credit-cards/cards/anz/low-rate/", "product_url": "https://www.anz.com.au/personal/credit-cards/low-interest-rate/low-rate-card?CID=af:obank:cc", "terms_url": "http://www.anz.com/auxiliary/rates-fees-terms/fees-terms-conditions/?CID=af:obank:cc", "fees_url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/credit-card-fees-charges.pdf", "card_type": "credit", "scheme": "visa", "tier": null, "segments": [ "personal" ], "segment": "personal", "purchase_rate_pct": 13.74, "purchase_rate_range_pct": null, "no_interest_card": null, "cash_advance_rate_pct": 23.49, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 55, "annual_fee": 58.0, "fee_period": "annual", "fee_as_stated": 58.0, "annual_fee_stated": true, "annual_fee_note": null, "fee_offers": [], "first_year_fee_waived": false, "foreign_transaction_fee_pct": null, "foreign_transaction_fee": null, "cash_advance_fee_pct": 3.5, "cash_advance_fee": null, "late_payment_fee": 20.0, "additional_cardholder_fee": null, "balance_transfer": { "promo_rate_pct": 0.0, "promo_months": 26, "fee_pct": 3.0, "revert_rate_pct": 23.49, "revert_to": "balance_transfer", "for_new_cards": null, "for_existing_customers": null, "ongoing_rate_pct": 23.49, "offers": [ { "rate_pct": 0.0, "months": 18, "fee_pct": 3.0, "for_new_cards": null, "for_existing_customers": true, "text": "Balance Transfer rate for an 18-month promotional period on transfers from non-ANZ store or credit cards to your existing ANZ credit card with a 3% Balance Transfer Fee Offer applies to any existing ANZ credit card Simple transfer form, using promo code: BT200 Reverts to the standard balance transf…" }, { "rate_pct": 0.0, "months": 26, "fee_pct": 3.0, "for_new_cards": null, "for_existing_customers": null, "text": "Balance Transfer rate for a 26-month promotional period on transfers from non-ANZ store or credit cards to a new ANZ Low Rate credit card $0 annual fee in the first year 3% balance transfer fee Simple online application process 26-month promotional period starts when we issue a Letter of Offer, not…" } ] }, "rewards_program": null, "rewards_programs": [], "rewards_program_fee": null, "bonus_offer": null, "cashback_offer": 400.0, "insurances": [], "digital_wallets": [ "Apple Pay", "Google Pay", "Samsung Pay", "Fitbit Pay", "Garmin Pay" ], "instalment_plan": true, "additional_cards": 3, "min_credit_limit": 1000.0, "max_credit_limit": null, "min_income": null, "min_age": 18, "restrictions": [], "conditions": [ "0.00% on balance transfers for 26 months, 3% transfer fee, then 23.49% (the balance transfer rate)", "balance transfers from non-ANZ cards only, requested when you apply", "for new cards only", "3.5% overseas transaction fee", "cash advance fee 3.5%, minimum $4, maximum $50", "Australian or New Zealand citizen, permanent resident, or more than 12 months left on a visa", "no annual fee in the first year with the balance transfer offer; $58 after", "26-month promotional period starts when the letter of offer is issued, not when the transfer is processed" ], "source_kind": "feed", "record_stale": false, "source_url": "https://api.anz/cds-au/v1/banking/products/7c74f4ae-4965-08a0-c5c0-7bf2c677269b", "source_snapshot": "/au/finance/credit-cards/v1/source/anz/7c74f4ae-4965-08a0-c5c0-7bf2c677269b.json", "bank_last_updated": "2026-10-27T22:00:00.000Z", "key_facts_sheet_url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-credit-cards-key-facts-sheet.pdf", "document_links_source": { "fees_url": "found by hand 2026-11-01: fees and charges", "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": 13.74, "bt_promo_rate_pct": 0.0, "bt_promo_months": 26, "bt_fee_pct": 3.0, "bt_revert_rate_pct": 23.49, "from_issuer_page": null }, { "rank": 38, "brand": "BankVic", "brand_label": "BankVic", "brand_slug": "bankvic", "legal_entity_abn": "33087651661", "product_id": "S15_VISA_CLASSIC_CREDIT_CA", "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/bankvic/low-rate-visa-credit-card/", "product_url": "https://www.bankvic.com.au/banking/?filter=Credit-Card", "terms_url": "https://cdn.intelligencebank.com/au/share/NZw2/RVzr/yzJw/original/BankVic+Terms+%2526+Conditions", "fees_url": "https://cdn.intelligencebank.com/au/share/NZw2/RVzr/dwqA/original/Fees+and+Charges", "card_type": "credit", "scheme": "visa", "tier": null, "segments": [ "personal" ], "segment": "personal", "purchase_rate_pct": 13.95, "purchase_rate_range_pct": null, "no_interest_card": null, "cash_advance_rate_pct": 13.95, "intro_purchase_rate_pct": 8.99, "intro_purchase_months": 6, "interest_free_days": 44, "annual_fee": null, "fee_period": null, "fee_as_stated": null, "annual_fee_stated": false, "annual_fee_note": "the feed lists no annual or monthly card fee, so none is claimed", "fee_offers": [], "first_year_fee_waived": false, "foreign_transaction_fee_pct": null, "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": 13.95, "revert_to": "purchase", "promo_rate_pct": 8.99, "promo_months": 6 }, "rewards_program": null, "rewards_programs": [], "rewards_program_fee": null, "bonus_offer": null, "cashback_offer": null, "insurances": [], "digital_wallets": [ "Apple Pay", "Google Pay", "Fitbit Pay", "Garmin Pay", "Samsung Pay" ], "instalment_plan": false, "additional_cards": null, "min_credit_limit": 1000.0, "max_credit_limit": 10000.0, "min_income": null, "min_age": 18, "restrictions": [], "conditions": [ "corrected from the bank's own page: 8.99% for the first six months on purchases, per the bank's Key Facts Sheet (correct as at August 2026: \"Promotional Introductory rate of 8.99% p.a. for the first six months\"); the feed says 4.96%; and 8.99% on balance transfers for six months when requested at card application, then the regular purchase rate (13.95%), which its feed carries no offer for", "credit limit $1,000 to $10,000", "BankVic member", "8.99% on balance transfers for 6 months if requested when applying, then the purchase rate" ], "source_kind": "feed", "record_stale": false, "source_url": "https://ib.bankvic.com.au/openbanking/cds-au/v1/banking/products/S15_VISA_CLASSIC_CREDIT_CA", "source_snapshot": "/au/finance/credit-cards/v1/source/bankvic/S15_VISA_CLASSIC_CREDIT_CA.json", "bank_last_updated": "2025-11-21T14:27:08.000+11:00", "key_facts_sheet_url": "https://www.bankvic.com.au/documents/af6b7de938654201bad8b7d7c1596017.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": { "checked": "2026-11-05", "note": "8.99% for the first six months on purchases, per the bank's Key Facts Sheet (correct as at August 2026: \"Promotional Introductory rate of 8.99% p.a. for the first six months\"); the feed says 4.96%; and 8.99% on balance transfers for six months when requested at card application, then the regular purchase rate (13.95%), which its feed carries no offer for", "fields": [ "intro_purchase_months", "intro_purchase_rate_pct", "balance_transfer", "conditions" ], "quotes": { "intro": { "text": "Promotional Introductory rate of 8.99% p.a. for the first six months", "url": "https://www.bankvic.com.au/documents/af6b7de938654201bad8b7d7c1596017.pdf", "citation": { "quote": "Promotional Introductory rate of 8.99% p.a. for the first six months", "url": "https://www.bankvic.com.au/documents/af6b7de938654201bad8b7d7c1596017.pdf#page=1", "page": 1, "document_sha256": "c64f68391664d65ce972a755a88a40e60f527b89f15b978b5aac79ef2680635a", "confirmed": "2026-11-12" } }, "balance_transfer": { "text": "8.99% p.a. for six months on Balance Transfers when requested at card application.", "url": "https://www.bankvic.com.au/documents/af6b7de938654201bad8b7d7c1596017.pdf", "citation": { "quote": "8.99% p.a. for six months on Balance Transfers when requested at card application.", "url": "https://www.bankvic.com.au/documents/af6b7de938654201bad8b7d7c1596017.pdf#page=1", "page": 1, "document_sha256": "c64f68391664d65ce972a755a88a40e60f527b89f15b978b5aac79ef2680635a", "confirmed": "2026-11-12" } }, "balance_transfer_revert": { "text": "Regular purchase interest rate applies after the promotional period.", "url": "https://www.bankvic.com.au/documents/af6b7de938654201bad8b7d7c1596017.pdf", "citation": { "quote": "Regular purchase interest rate applies after the promotional period.", "url": "https://www.bankvic.com.au/documents/af6b7de938654201bad8b7d7c1596017.pdf#page=1", "page": 1, "document_sha256": "c64f68391664d65ce972a755a88a40e60f527b89f15b978b5aac79ef2680635a", "confirmed": "2026-11-12" } } }, "verified": { "intro": "found", "balance_transfer": "found", "balance_transfer_revert": "found" } }, "kind": "low_rate", "rate_pct": 13.95, "bt_promo_rate_pct": 8.99, "bt_promo_months": 6, "bt_fee_pct": null, "bt_revert_rate_pct": 13.95, "from_issuer_page": [ { "source": "correction", "fields": [ "intro_purchase_rate_pct", "intro_purchase_months", "bt_promo_rate_pct", "bt_promo_months", "bt_revert_rate_pct" ], "confirmed": "2026-11-12", "url": "https://www.bankvic.com.au/documents/af6b7de938654201bad8b7d7c1596017.pdf#page=1", "quote": "Promotional Introductory rate of 8.99% p.a. for the first six months" } ] }, { "rank": 39, "brand": "Bank of Queensland Limited", "brand_label": "BOQ", "brand_slug": "bank-of-queensland-limited", "legal_entity_abn": "32009656740", "product_id": "9af3781e-102c-ee11-9966-002248e1d7d5", "product_name": "BOQ 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/bank-of-queensland-limited/low-rate-visa-credit-card/", "product_url": "https://www.boq.com.au/personal/credit-cards/low-rate-credit-card", "terms_url": "https://www.boq.com.au/personal/help-and-support/forms-and-important-information/terms-and-conditions/", "fees_url": "https://www.boq.com.au/personal/help-and-support/rates-and-fees/credit-cards", "card_type": "credit", "scheme": "visa", "tier": null, "segments": [ "personal" ], "segment": "personal", "purchase_rate_pct": 13.99, "purchase_rate_range_pct": null, "no_interest_card": null, "cash_advance_rate_pct": 21.99, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 55, "annual_fee": 65.0, "fee_period": "annual", "fee_as_stated": 65.0, "annual_fee_stated": true, "annual_fee_note": null, "fee_offers": [], "first_year_fee_waived": false, "foreign_transaction_fee_pct": null, "foreign_transaction_fee": null, "cash_advance_fee_pct": 3.5, "cash_advance_fee": 3.5, "late_payment_fee": 30.0, "additional_cardholder_fee": null, "balance_transfer": { "promo_rate_pct": 0.0, "promo_months": 24, "fee_pct": 3.0, "revert_rate_pct": 21.99, "revert_to": "cash_advance", "for_new_cards": null, "for_existing_customers": null, "ongoing_rate_pct": 21.99, "offers": [ { "rate_pct": 0.0, "months": 24, "fee_pct": 3.0, "for_new_cards": null, "for_existing_customers": null, "text": "0% p.a. for 24 months on balance transfers from approval. 3% balance transfer fee applies. Reverts to the cash advance rate." } ] }, "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": 2000.0, "max_credit_limit": 30000.0, "min_income": 25000.0, "min_age": 18, "restrictions": [], "conditions": [ "0.00% on balance transfers for 24 months, 3% transfer fee, then 21.99% (the cash advance rate)", "credit limit $2,000 to $30,000", "minimum income $25,000 a year", "Have a good credit rating", "cash advance outside Australia 1.5% (min $4, max $30) on top of the international fee", "$2 a month paper statement fee", "annual fee for each additional cardholder, except on Platinum", "3.3% international transaction fee", "permanent Australian resident and Australian tax resident" ], "source_kind": "feed", "record_stale": false, "source_url": "https://api.cds.boq.com.au/cds-au/v1/banking/products/9af3781e-102c-ee11-9966-002248e1d7d5", "source_snapshot": "/au/finance/credit-cards/v1/source/bank-of-queensland-limited/9af3781e-102c-ee11-9966-002248e1d7d5.json", "bank_last_updated": "2026-09-01T01:55:01Z", "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": 13.99, "bt_promo_rate_pct": 0.0, "bt_promo_months": 24, "bt_fee_pct": 3.0, "bt_revert_rate_pct": 21.99, "from_issuer_page": null }, { "rank": 40, "brand": "Bank of Melbourne", "brand_label": "Bank of Melbourne", "brand_slug": "bank-of-melbourne", "legal_entity_abn": "33007457141", "product_id": "BOMCCVertigocard", "product_name": "Vertigo", "product_label": "Vertigo", "product_slug": "vertigo", "page": "/au/finance/credit-cards/cards/bank-of-melbourne/vertigo/", "product_url": "https://www.bankofmelbourne.com.au/personal/credit-cards/low-rate", "terms_url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/personal/credit-cards/bom_credit_card_terms_and_conditions.pdf", "fees_url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/bom-cc-fee-charges.pdf", "card_type": "credit", "scheme": "visa", "tier": null, "segments": [ "personal" ], "segment": "personal", "purchase_rate_pct": 13.99, "purchase_rate_range_pct": null, "no_interest_card": null, "cash_advance_rate_pct": 21.99, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 55, "annual_fee": 84.0, "fee_period": "monthly", "fee_as_stated": 7.0, "annual_fee_stated": true, "annual_fee_note": null, "fee_offers": [ "Existing Reduced First year Monthly Card Fee" ], "first_year_fee_waived": false, "foreign_transaction_fee_pct": 3.0, "foreign_transaction_fee": null, "cash_advance_fee_pct": 3.5, "cash_advance_fee": null, "late_payment_fee": 20.0, "additional_cardholder_fee": null, "balance_transfer": { "promo_rate_pct": 0.0, "promo_months": 20, "fee_pct": 3.0, "revert_rate_pct": 21.99, "revert_to": "cash_advance", "for_new_cards": true, "for_existing_customers": null, "ongoing_rate_pct": null, "offers": [ { "rate_pct": 0.0, "months": 20, "fee_pct": 3.0, "for_new_cards": true, "for_existing_customers": null, "text": "0% p.a. interest on balance transfers for 20 months. 3% balance transfer fee applies. This 0% p.a. offer relates to balance transfers requested at card application. The variable cash advance rate will apply after the promotional period. New cards only." } ] }, "rewards_program": null, "rewards_programs": [], "rewards_program_fee": null, "bonus_offer": null, "cashback_offer": 450.0, "insurances": [], "digital_wallets": [ "Apple Pay", "Google Pay", "Samsung Pay" ], "instalment_plan": false, "additional_cards": 1, "min_credit_limit": 500.0, "max_credit_limit": 80000.0, "min_income": null, "min_age": 18, "restrictions": [], "conditions": [ "0.00% on balance transfers for 20 months, 3% transfer fee, then 21.99% (the cash advance rate); new cards", "the first-year fee waiver in the feed is for the bank's existing customers only", "credit limit $500 to $80,000", "Have a regular, verifiable Australian taxable income for at least 3 months (18 months for self employed)", "You're up-to-date with your regular repayments (rent or home loan, phone, other credit cards and loans etc.)", "Have a fixed residential address in Australia", "$450 cashback not for anyone who has held a Bank of Melbourne, St.George or BankSA credit card in the last 24 months", "from 30 November 2026 the purchase rate rises to 14.99% and the cash advance rate to 24.24%, and the minimum payment becomes 2.5% or $25", "balance transfer minimum $200, up to 80% of the approved limit, from up to 3 non-group cards; the other card's issuer must accept BPAY" ], "source_kind": "feed", "record_stale": false, "source_url": "https://digital-api.bankofmelbourne.com.au/cds-au/v1/banking/products/BOMCCVertigocard", "source_snapshot": "/au/finance/credit-cards/v1/source/bank-of-melbourne/BOMCCVertigocard.json", "bank_last_updated": "2026-11-05T02:44:44Z", "key_facts_sheet_url": "https://www.bankofmelbourne.com.au/personal/credit-cards/tools/credit-card-key-facts-sheet", "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": 13.99, "bt_promo_rate_pct": 0.0, "bt_promo_months": 20, "bt_fee_pct": 3.0, "bt_revert_rate_pct": 21.99, "from_issuer_page": null }, { "rank": 41, "brand": "BankSA", "brand_label": "BankSA", "brand_slug": "banksa", "legal_entity_abn": "33007457141", "product_id": "BSACCVertigocard", "product_name": "Vertigo", "product_label": "Vertigo", "product_slug": "vertigo", "page": "/au/finance/credit-cards/cards/banksa/vertigo/", "product_url": "https://www.banksa.com.au/personal/credit-cards/low-rate", "terms_url": "https://www.banksa.com.au/content/dam/bsa/downloads/personal/credit-cards/bsa_credit_card_terms_and_conditions.pdf", "fees_url": "https://www.banksa.com.au/content/dam/bsa/downloads/accounts_and_cards/bsa-cc-fee-charges.pdf", "card_type": "credit", "scheme": "visa", "tier": null, "segments": [ "personal" ], "segment": "personal", "purchase_rate_pct": 13.99, "purchase_rate_range_pct": null, "no_interest_card": null, "cash_advance_rate_pct": 21.99, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 55, "annual_fee": 84.0, "fee_period": "monthly", "fee_as_stated": 7.0, "annual_fee_stated": true, "annual_fee_note": null, "fee_offers": [ "Existing Reduced First year Monthly Card Fee" ], "first_year_fee_waived": false, "foreign_transaction_fee_pct": 3.0, "foreign_transaction_fee": null, "cash_advance_fee_pct": 3.5, "cash_advance_fee": null, "late_payment_fee": 20.0, "additional_cardholder_fee": null, "balance_transfer": { "promo_rate_pct": 0.0, "promo_months": 20, "fee_pct": 3.0, "revert_rate_pct": 21.99, "revert_to": "cash_advance", "for_new_cards": true, "for_existing_customers": null, "ongoing_rate_pct": null, "offers": [ { "rate_pct": 0.0, "months": 20, "fee_pct": 3.0, "for_new_cards": true, "for_existing_customers": null, "text": "0% p.a. interest on balance transfers for 20 months. 3% balance transfer fee applies. This 0% p.a. offer relates to balance transfers requested at card application. The variable cash advance rate will apply after the promotional period. New cards only." } ] }, "rewards_program": null, "rewards_programs": [], "rewards_program_fee": null, "bonus_offer": null, "cashback_offer": 450.0, "insurances": [], "digital_wallets": [ "Apple Pay", "Google Pay", "Samsung Pay" ], "instalment_plan": false, "additional_cards": 1, "min_credit_limit": 500.0, "max_credit_limit": 80000.0, "min_income": null, "min_age": 18, "restrictions": [], "conditions": [ "0.00% on balance transfers for 20 months, 3% transfer fee, then 21.99% (the cash advance rate); new cards", "the first-year fee waiver in the feed is for the bank's existing customers only", "credit limit $500 to $80,000", "Have a regular, verifiable Australian taxable income for at least 3 months (18 months for self employed)", "You're up-to-date with your regular repayments (rent or home loan, phone, other credit cards and loans etc.)", "Have a fixed residential address in Australia", "offers not available if you held a BankSA, St.George or Bank of Melbourne credit card in the last 24 months", "switches, upgrades and Westpac Group staff are not eligible for the promotion", "with the cashback offer, 6.99% on balance transfers for 12 months instead" ], "source_kind": "feed", "record_stale": false, "source_url": "https://digital-api.banksa.com.au/cds-au/v1/banking/products/BSACCVertigocard", "source_snapshot": "/au/finance/credit-cards/v1/source/banksa/BSACCVertigocard.json", "bank_last_updated": "2026-11-05T02:44:45Z", "key_facts_sheet_url": "https://www.banksa.com.au/personal/credit-cards/tools/credit-card-key-facts-sheet", "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": 13.99, "bt_promo_rate_pct": 0.0, "bt_promo_months": 20, "bt_fee_pct": 3.0, "bt_revert_rate_pct": 21.99, "from_issuer_page": null }, { "rank": 42, "brand": "St.George Bank", "brand_label": "St.George Bank", "brand_slug": "st-george-bank", "legal_entity_abn": "33007457141", "product_id": "STGCCVertigoRainbowcard", "product_name": "Rainbow Vertigo Card", "product_label": "Rainbow Vertigo Card", "product_slug": "rainbow-vertigo-card", "page": "/au/finance/credit-cards/cards/st-george-bank/rainbow-vertigo-card/", "product_url": "https://www.stgeorge.com.au/personal/credit-cards/low-rate/vertigo-rainbow-card", "terms_url": "https://www.stgeorge.com.au/content/dam/stg/downloads/personal/credit-cards/stg_credit_card_terms_and_conditions.pdf", "fees_url": "https://www.stgeorge.com.au/content/dam/stg/downloads/accounts_and_cards/stg-cc-fee-charges.pdf", "card_type": "credit", "scheme": "visa", "tier": null, "segments": [ "personal" ], "segment": "personal", "purchase_rate_pct": 13.99, "purchase_rate_range_pct": null, "no_interest_card": null, "cash_advance_rate_pct": 21.99, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 55, "annual_fee": 84.0, "fee_period": "monthly", "fee_as_stated": 7.0, "annual_fee_stated": true, "annual_fee_note": null, "fee_offers": [ "Existing Reduced First year Monthly Card Fee" ], "first_year_fee_waived": false, "foreign_transaction_fee_pct": 3.0, "foreign_transaction_fee": null, "cash_advance_fee_pct": 3.5, "cash_advance_fee": null, "late_payment_fee": 20.0, "additional_cardholder_fee": null, "balance_transfer": { "promo_rate_pct": 0.0, "promo_months": 20, "fee_pct": 3.0, "revert_rate_pct": 21.99, "revert_to": "cash_advance", "for_new_cards": true, "for_existing_customers": null, "ongoing_rate_pct": null, "offers": [ { "rate_pct": 0.0, "months": 20, "fee_pct": 3.0, "for_new_cards": true, "for_existing_customers": null, "text": "0% p.a. interest on balance transfers for 20 months. 3% balance transfer fee applies. This 0% p.a. offer relates to balance transfers requested at card application. The variable cash advance rate will apply after the promotional period. Offer commenced 28 May 2026 transfer up to three non St.George…" } ] }, "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": 1, "min_credit_limit": 500.0, "max_credit_limit": 80000.0, "min_income": null, "min_age": 18, "restrictions": [], "conditions": [ "0.00% on balance transfers for 20 months, 3% transfer fee, then 21.99% (the cash advance rate); new cards", "the first-year fee waiver in the feed is for the bank's existing customers only", "credit limit $500 to $80,000", "Have a regular, verifiable Australian taxable income for at least 3 months (18 months for self employed)", "You're up-to-date with your regular repayments (rent or home loan, phone, other credit cards and loans etc.)", "Have a fixed residential address in Australia", "balance transfer minimum $200, up to 80% of the approved limit, from up to 3 non-group cards; the other card's issuer must accept BPAY", "from 30 November 2026 the purchase rate rises to 14.99% and the cash advance rate to 24.24%, and the minimum payment becomes 2.5% or $25 (the bank's changes page names Vertigo; this card is \"the same Vertigo everyday card\" in a rainbow design)" ], "source_kind": "feed", "record_stale": false, "source_url": "https://digital-api.stgeorge.com.au/cds-au/v1/banking/products/STGCCVertigoRainbowcard", "source_snapshot": "/au/finance/credit-cards/v1/source/st-george-bank/STGCCVertigoRainbowcard.json", "bank_last_updated": "2026-10-29T01:03:01Z", "key_facts_sheet_url": "https://www.stgeorge.com.au/personal/credit-cards/tools/credit-card-key-facts-sheet", "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": 13.99, "bt_promo_rate_pct": 0.0, "bt_promo_months": 20, "bt_fee_pct": 3.0, "bt_revert_rate_pct": 21.99, "from_issuer_page": null }, { "rank": 43, "brand": "NATIONAL AUSTRALIA BANK", "brand_label": "NAB", "brand_slug": "national-australia-bank", "legal_entity_abn": "12004044937", "product_id": "0c2ca397-dc24-4eb0-8fb9-e098c582ebd5", "product_name": "NAB Low Rate Card", "product_label": "Low Rate Card", "product_slug": "low-rate-card", "page": "/au/finance/credit-cards/cards/national-australia-bank/low-rate-card/", "product_url": "https://www.nab.com.au/personal/credit-cards/low-rate/nab-low-rate-card", "terms_url": "https://www.nab.com.au/personal/credit-cards/terms-conditions/digital", "fees_url": "https://www.nab.com.au/personal/credit-cards/fees-charges", "card_type": "credit", "scheme": "visa", "tier": null, "segments": [ "personal" ], "segment": "personal", "purchase_rate_pct": 13.99, "purchase_rate_range_pct": null, "no_interest_card": null, "cash_advance_rate_pct": 22.99, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 55, "annual_fee": 99.0, "fee_period": "annual", "fee_as_stated": 99.0, "annual_fee_stated": true, "annual_fee_note": null, "fee_offers": [ "Reduced Annual Fee in First Year", "NAB Portfolio Facility - no annual fee", "NAB Private Portfolio Package - no annual fee", "NAB Private Tailored Package - no annual fee" ], "first_year_fee_waived": false, "foreign_transaction_fee_pct": 3.5, "foreign_transaction_fee": null, "cash_advance_fee_pct": null, "cash_advance_fee": null, "late_payment_fee": null, "additional_cardholder_fee": null, "balance_transfer": { "promo_rate_pct": 0.0, "promo_months": 26, "fee_pct": 3.0, "revert_rate_pct": 22.99, "revert_to": "balance_transfer", "for_new_cards": null, "for_existing_customers": null, "ongoing_rate_pct": 22.99, "offers": [ { "rate_pct": 0.0, "months": 24, "fee_pct": 3.0, "for_new_cards": null, "for_existing_customers": null, "text": "0% p.a. balance transfer (BT) for 24 months with 3% BT fee. NAB may offer different introductory rates at its discretion, including for promotional purposes." } ] }, "rewards_program": null, "rewards_programs": [], "rewards_program_fee": null, "bonus_offer": null, "cashback_offer": 400.0, "insurances": [], "digital_wallets": [ "Apple Pay", "Google Pay", "Samsung Pay", "Garmin Pay" ], "instalment_plan": false, "additional_cards": 1, "min_credit_limit": 1000.0, "max_credit_limit": null, "min_income": null, "min_age": 18, "restrictions": [], "conditions": [ "corrected from the bank's own page: the bank's page offers 0% on balance transfers for 26 months with a 3% fee; its feed record still says 24", "0.00% on balance transfers for 26 months, 3% transfer fee, then 22.99% (the balance transfer rate)", "Lending criteria apply", "no card fee in the first year for existing NAB customers only; $99 otherwise", "balance transfer offer for new cards only", "late payment fee $20 a month when $50 or more is overdue", "cash advance fee 3.5%, minimum $3.50", "Australian residents for tax purposes with a regular income; visitor, working holiday, student, bridging and short-stay visas not accepted", "sign-up offers not available when closing or switching from another NAB credit card" ], "source_kind": "feed", "record_stale": false, "source_url": "https://openbank.api.nab.com.au/cds-au/v1/banking/products/0c2ca397-dc24-4eb0-8fb9-e098c582ebd5", "source_snapshot": "/au/finance/credit-cards/v1/source/national-australia-bank/0c2ca397-dc24-4eb0-8fb9-e098c582ebd5.json", "bank_last_updated": "2026-10-01T13:59:59Z", "key_facts_sheet_url": "https://www.nab.com.au/content/dam/nabrwd/documents/guides/banking/key-facts-credit-cards.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": "2026-10-24", "note": "the bank's page offers 0% on balance transfers for 26 months with a 3% fee; its feed record still says 24", "fields": [ "balance_transfer" ], "quotes": { "balance_transfer": { "text": "0% p.a. on balance transfers (BT) for 26 months with a 3% BT fee", "url": "https://www.nab.com.au/personal/credit-cards/low-rate/nab-low-rate-card", "citation": { "quote": "0% p.a. on balance transfers (BT) for 26 months with a 3% BT fee", "url": "https://www.nab.com.au/personal/credit-cards/low-rate/nab-low-rate-card#:~:text=0%25%20p.a.%20on%20balance%20transfers,with%20a%203%25%20BT%20fee", "document_sha256": "42b5c970e059db2660a795b94ca614d9b98a5e31f273e51ce6bd341bad042759", "confirmed": "2026-11-12" } } }, "verified": { "balance_transfer": "found" } }, "kind": "low_rate", "rate_pct": 13.99, "bt_promo_rate_pct": 0.0, "bt_promo_months": 26, "bt_fee_pct": 3.0, "bt_revert_rate_pct": 22.99, "from_issuer_page": [ { "source": "correction", "fields": [ "bt_promo_months" ], "confirmed": "2026-11-12", "url": "https://www.nab.com.au/personal/credit-cards/low-rate/nab-low-rate-card#:~:text=0%25%20p.a.%20on%20balance%20transfers,with%20a%203%25%20BT%20fee", "quote": "0% p.a. on balance transfers (BT) for 26 months with a 3% BT fee" }, { "source": "watched_term", "fields": [ "first_year_fee_waived" ], "confirmed": "2026-11-12", "url": "https://www.nab.com.au/personal/credit-cards/low-rate/nab-low-rate-card#:~:text=Existing%20NAB%20customers%20enjoy%20no,p.a.%20from%20the%20second%20year.", "quote": "Existing NAB customers enjoy no annual fee for the first year, reverting to $99 p.a. from the second year." } ] }, { "rank": 44, "brand": "Northern Inland Credit Union Limited", "brand_label": "Northern Inland Credit Union", "brand_slug": "northern-inland-credit-union-limited", "legal_entity_abn": "36087650422", "product_id": "NICUS55", "product_name": "Classic Credit Card", "product_label": "Classic Credit Card", "product_slug": "classic-credit-card", "page": "/au/finance/credit-cards/cards/northern-inland-credit-union-limited/classic-credit-card/", "product_url": "https://nicu.com.au/banking/cards/visa-classic-credit-card", "terms_url": "https://www.nicu.com.au/banking/cards/visa-classic-credit-card", "fees_url": "https://www.nicu.com.au/ArticleDocuments/298/NICU_Fees_Charges.pdf.aspx", "card_type": "credit", "scheme": null, "tier": null, "segments": [ "personal" ], "segment": "personal", "purchase_rate_pct": 14.0, "purchase_rate_range_pct": null, "no_interest_card": null, "cash_advance_rate_pct": 14.0, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": null, "annual_fee": 40.0, "fee_period": "annual", "fee_as_stated": 40.0, "annual_fee_stated": true, "annual_fee_note": null, "fee_offers": [], "first_year_fee_waived": false, "foreign_transaction_fee_pct": null, "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" ], "instalment_plan": false, "additional_cards": null, "min_credit_limit": null, "max_credit_limit": null, "min_income": null, "min_age": null, "restrictions": [], "conditions": [ "not updated by the bank since 2026-01-21; check its page, as the rate or fee may have changed", "Credit criteria and eligibility applies to all applicants. Terms and Conditions are available on application." ], "source_kind": "feed", "record_stale": true, "source_url": "https://secure.nicu.com.au/OpenBanking/cds-au/v1/banking/products/NICUS55", "source_snapshot": "/au/finance/credit-cards/v1/source/northern-inland-credit-union-limited/NICUS55.json", "bank_last_updated": "2026-01-21T11:16:44.000+11:00", "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": 14.0, "bt_promo_rate_pct": null, "bt_promo_months": null, "bt_fee_pct": null, "bt_revert_rate_pct": null, "from_issuer_page": null }, { "rank": 45, "brand": "Police Credit Union Ltd", "brand_label": "Police Credit Union", "brand_slug": "police-credit-union-ltd", "legal_entity_abn": "30087651205", "product_id": "extralite_Credit_Card", "product_name": "extralite Credit Card", "product_label": "Extralite Credit Card", "product_slug": "extralite-credit-card", "page": "/au/finance/credit-cards/cards/police-credit-union-ltd/extralite-credit-card/", "product_url": "https://www.policecu.com.au/products/extralite-credit-card", "terms_url": "https://www.policecu.com.au/PCUDocuments/Terms_and_Conditions_Credit_Card.pdf", "fees_url": "https://www.policecu.com.au/PCUDocuments/Fees_and_Charges_Personal_Credit_and_Overdraft.pdf", "card_type": "credit", "scheme": null, "tier": null, "segments": [ "personal" ], "segment": "personal", "purchase_rate_pct": 14.24, "purchase_rate_range_pct": null, "no_interest_card": null, "cash_advance_rate_pct": 14.24, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 44, "annual_fee": 0, "fee_period": "annual", "fee_as_stated": 0, "annual_fee_stated": true, "annual_fee_note": null, "fee_offers": [], "first_year_fee_waived": false, "foreign_transaction_fee_pct": null, "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", "Samsung Pay", "Google Pay" ], "instalment_plan": false, "additional_cards": null, "min_credit_limit": 1000.0, "max_credit_limit": 10000, "min_income": null, "min_age": 18, "restrictions": [], "conditions": [ "corrected from the bank's own page: no annual fee, up to 44 interest-free days and limits of $1,000 to $10,000, per the credit union's card page (\"No monthly, annual, account keeping fees\") and Key Facts Sheet (\"Up to 44 days on purchases only\"; \"Min $1,000.00 - Max $10,000\"); the feed states none of them", "late payment fee $15 at 21 days in arrears and $25 at 35 days", "no annual or monthly card fee", "up to 44 interest-free days on purchases only", "credit limit $1,000 to $10,000" ], "source_kind": "feed", "record_stale": false, "source_url": "https://api.policecu.com.au/OpenBanking/cds-au/v1/banking/products/extralite_Credit_Card", "source_snapshot": "/au/finance/credit-cards/v1/source/police-credit-union-ltd/extralite_Credit_Card.json", "bank_last_updated": "2026-04-27T11:31:49.000+09:30", "key_facts_sheet_url": "https://www.policecu.com.au/PCUDocuments/Credit_Card_Key_Fact_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": "2026-11-01", "note": "no annual fee, up to 44 interest-free days and limits of $1,000 to $10,000, per the credit union's card page (\"No monthly, annual, account keeping fees\") and Key Facts Sheet (\"Up to 44 days on purchases only\"; \"Min $1,000.00 - Max $10,000\"); the feed states none of them", "fields": [ "annual_fee", "annual_fee_stated", "fee_as_stated", "fee_period", "interest_free_days", "max_credit_limit" ], "quotes": { "annual_fee": { "text": "No monthly, annual, account keeping fees, or transaction fees on Visa credit purchases.", "url": "https://www.policecu.com.au/products/extralite-credit-card", "citation": { "quote": "No monthly, annual, account keeping fees, or transaction fees on Visa credit purchases.", "url": "https://www.policecu.com.au/products/extralite-credit-card#:~:text=No%20monthly%2C%20annual%2C%20account%20keeping,fees%20on%20Visa%20credit%20purchases.", "document_sha256": "96ec16834811f6b4feee214030506a887edcfdfe62688d44089a04caf7b68f7c", "confirmed": "2026-11-12" } }, "interest_free": { "text": "Up to 44 days on purchases only", "url": "https://www.policecu.com.au/PCUDocuments/Credit_Card_Key_Fact_Sheet.pdf", "citation": { "quote": "Up to 44 days on purchases only", "url": "https://www.policecu.com.au/PCUDocuments/Credit_Card_Key_Fact_Sheet.pdf#page=1", "page": 1, "document_sha256": "8f6152f13a67c244e476e0c32b38b4671cd97db29dd67d60e355e5eabe823d65", "confirmed": "2026-11-12" } }, "credit_limit": { "text": "Min $1,000.00 - Max $10,000", "url": "https://www.policecu.com.au/PCUDocuments/Credit_Card_Key_Fact_Sheet.pdf", "citation": { "quote": "Min $1,000.00 - Max $10,000", "url": "https://www.policecu.com.au/PCUDocuments/Credit_Card_Key_Fact_Sheet.pdf#page=1", "page": 1, "document_sha256": "8f6152f13a67c244e476e0c32b38b4671cd97db29dd67d60e355e5eabe823d65", "confirmed": "2026-11-12" } } }, "verified": { "annual_fee": "found", "interest_free": "found", "credit_limit": "found" } }, "kind": "low_rate", "rate_pct": 14.24, "bt_promo_rate_pct": null, "bt_promo_months": null, "bt_fee_pct": null, "bt_revert_rate_pct": null, "from_issuer_page": [ { "source": "correction", "fields": [ "annual_fee", "interest_free_days", "max_credit_limit" ], "confirmed": "2026-11-12", "url": "https://www.policecu.com.au/products/extralite-credit-card#:~:text=No%20monthly%2C%20annual%2C%20account%20keeping,fees%20on%20Visa%20credit%20purchases.", "quote": "No monthly, annual, account keeping fees, or transaction fees on Visa credit purchases." } ] }, { "rank": 46, "brand": "Regional Australia Bank", "brand_label": "Regional Australia Bank", "brand_slug": "regional-australia-bank", "legal_entity_abn": "21087650360", "product_id": "8d097100-9251-4174-a9e5-8af00812ca87", "product_name": "Your Choice Visa Credit Card", "product_label": "Your Choice Visa Credit Card", "product_slug": "your-choice-visa-credit-card", "page": "/au/finance/credit-cards/cards/regional-australia-bank/your-choice-visa-credit-card/", "product_url": "https://www.regionalaustraliabank.com.au/personal/products/credit-cards/your-choice-credit-card", "terms_url": "https://www.regionalaustraliabank.com.au/about-us/corporate-documents/product-terms-and-conditions", "fees_url": "https://www.regionalaustraliabank.com.au/personal/products/credit-cards/your-choice-credit-card", "card_type": "credit", "scheme": "visa", "tier": null, "segments": [ "personal" ], "segment": "personal", "purchase_rate_pct": 14.69, "purchase_rate_range_pct": null, "no_interest_card": null, "cash_advance_rate_pct": 14.69, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 55, "annual_fee": 40.0, "fee_period": "annual", "fee_as_stated": 40.0, "annual_fee_stated": true, "annual_fee_note": null, "fee_offers": [ "Partnership Advantage Package" ], "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": 0.0, "balance_transfer": null, "rewards_program": null, "rewards_programs": [], "rewards_program_fee": null, "bonus_offer": null, "cashback_offer": null, "insurances": [], "digital_wallets": [ "Apple Pay", "Samsung Pay", "Google Pay" ], "instalment_plan": false, "additional_cards": null, "min_credit_limit": 500.0, "max_credit_limit": null, "min_income": null, "min_age": 18, "restrictions": [], "conditions": [ "As a customer-owned bank, customers must also become a shareholder of Regional Australia Bank to be eligible to open an account.", "Product is available to approved borrowers only. Terms, conditions, fees, charges and normal lending criteria apply.", "employment status: Borrowers must demonstrate at least 6 months continuing employment history at the time of application: Ongoing Employment" ], "source_kind": "feed", "record_stale": false, "source_url": "https://public-data.cdr.regaustbank.io/cds-au/v1/banking/products/8d097100-9251-4174-a9e5-8af00812ca87", "source_snapshot": "/au/finance/credit-cards/v1/source/regional-australia-bank/8d097100-9251-4174-a9e5-8af00812ca87.json", "bank_last_updated": "2026-06-29T04:05:39.586605Z", "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": 14.69, "bt_promo_rate_pct": null, "bt_promo_months": null, "bt_fee_pct": null, "bt_revert_rate_pct": null, "from_issuer_page": null }, { "rank": 47, "brand": "Queensland Country Bank", "brand_label": "Queensland Country Bank", "brand_slug": "queensland-country-bank", "legal_entity_abn": "77087651027", "product_id": "13", "product_name": "Visa Credit", "product_label": "Visa Credit", "product_slug": "visa-credit", "page": "/au/finance/credit-cards/cards/queensland-country-bank/visa-credit/", "product_url": "https://www.queenslandcountry.bank/Banking/credit-cards/Visa-My-Rewards-Credit-Card/", "terms_url": "https://www.queenslandcountry.bank/siteassets/documents/brochures/brochure_account-access-facility.pdf", "fees_url": "https://www.queenslandcountry.bank/siteassets/documents/brochures/brochure_fees-charges.pdf", "card_type": "credit", "scheme": "visa", "tier": null, "segments": [ "personal" ], "segment": "personal", "purchase_rate_pct": 14.99, "purchase_rate_range_pct": null, "no_interest_card": null, "cash_advance_rate_pct": 14.99, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 55, "annual_fee": 39.0, "fee_period": "annual", "fee_as_stated": 39.0, "annual_fee_stated": true, "annual_fee_note": null, "fee_offers": [ "Another eligibility criteria exists as described in the additionalInfo field" ], "first_year_fee_waived": false, "foreign_transaction_fee_pct": 3.65, "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": 500.0, "max_credit_limit": 60000.0, "min_income": null, "min_age": 18, "restrictions": [], "conditions": [ "credit limit $500 to $60,000" ], "source_kind": "feed", "record_stale": false, "source_url": "https://public.cdr-api.queenslandcountry.bank/cds-au/v1/banking/products/13", "source_snapshot": "/au/finance/credit-cards/v1/source/queensland-country-bank/13.json", "bank_last_updated": "2026-11-12T02:00:23.5726091Z", "key_facts_sheet_url": "https://delivery2.widgetworks.com.au/assets/creditcard-kfs/qcb/QCB_CreditCardKeyFactsSheet.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": 14.99, "bt_promo_rate_pct": null, "bt_promo_months": null, "bt_fee_pct": null, "bt_revert_rate_pct": null, "from_issuer_page": null }, { "rank": 48, "brand": "MyCard", "brand_label": "MyCard", "brand_slug": "mycard", "legal_entity_abn": "12004044937", "product_id": "bbf2b66e-203b-45a9-b40b-520e3ff4d2e4", "product_name": "MyCard Clear", "product_label": "Clear", "product_slug": "clear", "page": "/au/finance/credit-cards/cards/mycard/clear/", "product_url": "https://mycard.com.au/credit-cards/clear-card", "terms_url": "https://mycard.com.au/help-and-support/important-information/terms-and-conditions", "fees_url": "https://mycard.com.au/help-and-support/important-information/fees-and-charges-credit-cards", "card_type": "credit", "scheme": "mastercard", "tier": null, "segments": [ "personal" ], "segment": "personal", "purchase_rate_pct": 14.99, "purchase_rate_range_pct": null, "no_interest_card": null, "cash_advance_rate_pct": 22.24, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 44, "annual_fee": 149.0, "fee_period": "annual", "fee_as_stated": 149.0, "annual_fee_stated": true, "annual_fee_note": null, "fee_offers": [], "first_year_fee_waived": false, "foreign_transaction_fee_pct": 3.5, "foreign_transaction_fee": null, "cash_advance_fee_pct": 3.5, "cash_advance_fee": null, "late_payment_fee": 30.0, "additional_cardholder_fee": 0.0, "balance_transfer": { "offers": [], "for_new_cards": null, "for_existing_customers": null, "ongoing_rate_pct": null, "fee_pct": 3.0, "revert_rate_pct": 22.24, "revert_to": "cash_advance", "promo_rate_pct": 0.0, "promo_months": 24 }, "rewards_program": null, "rewards_programs": [], "rewards_program_fee": null, "bonus_offer": null, "cashback_offer": null, "insurances": [ "Purchase Protection Insurance", "Extended Warranty Insurance", "Mobile phone insurance" ], "digital_wallets": [ "Apple Pay", "Samsung Pay", "Google Pay" ], "instalment_plan": true, "additional_cards": 4, "min_credit_limit": 2000.0, "max_credit_limit": 100000.0, "min_income": null, "min_age": 18, "restrictions": [], "conditions": [ "corrected from the bank's own page: the issuer's page offers 0% on balance transfers for 24 months with a 3% fee, reverting to the cash advance rate; its feed carries no offer", "credit limit $2,000 to $100,000", "cash advance fee 3.5%, minimum $3.50, in Australia and overseas", "offers not available when closing or transferring from another MyCard card", "$2 a month paper statement fee", "0% on balance transfers for 24 months, 3% transfer fee, then the cash advance rate" ], "source_kind": "feed", "record_stale": false, "source_url": "https://api-openbanking.secure.mycard.com.au/cds-au/v1/banking/products/bbf2b66e-203b-45a9-b40b-520e3ff4d2e4", "source_snapshot": "/au/finance/credit-cards/v1/source/mycard/bbf2b66e-203b-45a9-b40b-520e3ff4d2e4.json", "bank_last_updated": "2026-11-02T00:00:00Z", "key_facts_sheet_url": null, "document_links_source": null, "document_date": null, "checked": null, "form": null, "interest_free_balance_threshold": null, "correction": { "checked": "2026-11-07", "note": "the issuer's page offers 0% on balance transfers for 24 months with a 3% fee, reverting to the cash advance rate; its feed carries no offer", "fields": [ "balance_transfer" ], "quotes": { "balance_transfer": { "text": "Get 0% p.a. for 24 months on balance transfers.", "url": "https://www.mycard.com.au/credit-cards/clear-card", "citation": { "quote": "Get 0% p.a. for 24 months on balance 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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": "Police Credit Union Ltd", "brand_label": "Police Credit Union", "brand_slug": "police-credit-union-ltd", "legal_entity_abn": "30087651205", "product_id": "SoLo_Credit_Card", "product_name": "SoLo Credit Card", "product_label": "SoLo Credit Card", "product_slug": "solo-credit-card", "page": "/au/finance/credit-cards/cards/police-credit-union-ltd/solo-credit-card/", "product_url": "https://www.policecu.com.au/product-type/credit-cards/", "terms_url": "https://www.policecu.com.au/PCUDocuments/Terms_and_Conditions_Credit_Card.pdf", "fees_url": "https://www.policecu.com.au/PCUDocuments/Fees_and_Charges_Personal_Credit_and_Overdraft.pdf", "card_type": "credit", "scheme": null, "tier": null, "segments": [ "personal" ], "segment": "personal", "purchase_rate_pct": 8.74, "purchase_rate_range_pct": null, "no_interest_card": null, "cash_advance_rate_pct": 8.74, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 0, "annual_fee": 0, "fee_period": "annual", "fee_as_stated": 0, "annual_fee_stated": true, "annual_fee_note": null, "fee_offers": [], "first_year_fee_waived": false, "foreign_transaction_fee_pct": null, "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", "Samsung Pay", "Google Pay" ], "instalment_plan": false, "additional_cards": null, "min_credit_limit": 1000.0, "max_credit_limit": 10000, "min_income": null, "min_age": 18, "restrictions": [ "limited_eligibility" ], "conditions": [ "corrected from the bank's own page: only current and former Police Credit Union personal loan and home loan borrowers may apply; no annual fee, no interest-free period and limits of $1,000 to $10,000, per the credit union's rate schedule on 2026-10-24; 8.74% on purchases, unchanged in the rate schedule as at 1 November 2026 (checked 2026-10-30)", "late payment fee $15 at 21 days in arrears and $25 at 35 days" ], "source_kind": "feed", "record_stale": false, "source_url": "https://api.policecu.com.au/OpenBanking/cds-au/v1/banking/products/SoLo_Credit_Card", "source_snapshot": "/au/finance/credit-cards/v1/source/police-credit-union-ltd/SoLo_Credit_Card.json", "bank_last_updated": "2026-04-27T11:33:53.000+09:30", "key_facts_sheet_url": "https://www.policecu.com.au/PCUDocuments/Credit_Card_Key_Fact_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": "only current and former Police Credit Union personal loan and home loan borrowers may apply; no annual fee, no interest-free period and limits of $1,000 to $10,000, per the credit union's rate schedule on 2026-10-24; 8.74% on purchases, unchanged in the rate schedule as at 1 November 2026 (checked 2026-10-30)", "fields": [ "annual_fee", "annual_fee_stated", "fee_as_stated", "fee_period", "interest_free_days", "max_credit_limit", "restrictions" ], "quotes": { "eligibility": { "text": "Only current and former PCU personal loan / home loan borrowers are eligible for SoLo", "url": "https://www.policecu.com.au/PCUDocuments/LOC_Credit_Cards_Interest_Rates.pdf", "citation": { "quote": "Only current and former PCU personal loan / home loan borrowers are eligible for SoLo", "url": "https://www.policecu.com.au/PCUDocuments/LOC_Credit_Cards_Interest_Rates.pdf#page=1", "page": 1, "document_sha256": "30fb1f23eecf7ecbb5f2e5637e09baddf2dd49c0923f349fab924309e68abbd3", "confirmed": "2026-11-12" } }, "interest_free_days": { "text": "No interest free period on SoLo Credit Card", "url": "https://www.policecu.com.au/PCUDocuments/LOC_Credit_Cards_Interest_Rates.pdf", "citation": { "quote": "No interest free period on SoLo Credit Card", "url": "https://www.policecu.com.au/PCUDocuments/LOC_Credit_Cards_Interest_Rates.pdf#page=1", "page": 1, "document_sha256": "30fb1f23eecf7ecbb5f2e5637e09baddf2dd49c0923f349fab924309e68abbd3", "confirmed": "2026-11-12" } } }, "verified": { "eligibility": "found", "interest_free_days": "found" } }, "kind": "low_rate", "rate_pct": 8.74, "bt_promo_rate_pct": null, "bt_promo_months": null, "bt_fee_pct": null, "bt_revert_rate_pct": null, "from_issuer_page": [ { "source": "correction", "fields": [ "annual_fee", "interest_free_days", "max_credit_limit", "restrictions" ], "confirmed": "2026-11-12", "url": "https://www.policecu.com.au/PCUDocuments/LOC_Credit_Cards_Interest_Rates.pdf#page=1", "quote": "Only current and former PCU personal loan / home loan borrowers are eligible for SoLo" } ] }, { "rank": 5, "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": 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0.0, "offers": [ { "rate_pct": 0.0, "months": 9, "fee_pct": null, "for_new_cards": null, "for_existing_customers": null, "text": "interest-free balance transfers (feature)" } ] }, "rewards_program": null, "rewards_programs": [], "rewards_program_fee": null, "bonus_offer": null, "cashback_offer": null, "insurances": [], "digital_wallets": [ "Apple Pay", "Google Pay" ], "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: 11.99% on purchases, 15.99% on cash advances and up to 56 interest-free days, per the bank's Key Facts Sheet (correct as at 1 July 2026); the feed gives no purchase or cash advance rate and 55 days", "0.00% on balance transfers for 9 months", "no late payment fee", "up to 56 days interest-free on purchases, including while a balance transfer is outstanding", "minimum balance transfer $1,000, only from 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Variable interest rate Effective 1 November 2026", "url": "https://www.bankaust.com.au/banking/credit-cards/low-rate-visa-credit-card/#:~:text=12.34%20%25%20p.a.%20Variable%20interest%20rate%20Effective%201%20November%202026", "document_sha256": "89794f0972c469384a93380120f2dc5ede7ee5ba34969ba97fe86f0c36f3f340", "confirmed": "2026-11-12" } }, "annual_fee": { "text": "Annual fee $0", "url": "https://www.bankaust.com.au/banking/credit-cards/low-rate-visa-credit-card/", "citation": { "quote": "Annual fee $0", "url": "https://www.bankaust.com.au/banking/credit-cards/low-rate-visa-credit-card/#:~:text=Annual%20fee%20%240", "document_sha256": "89794f0972c469384a93380120f2dc5ede7ee5ba34969ba97fe86f0c36f3f340", "confirmed": "2026-11-12" } }, "balance_transfer": { "text": "We offer 0% for 6 months on balance transfers with our Low Rate Visa Credit Card.", "url": "https://www.bankaust.com.au/banking/credit-cards/low-rate-visa-credit-card/", "citation": { "quote": "We offer 0% for 6 months on balance transfers with our Low Rate Visa Credit Card.", "url": "https://www.bankaust.com.au/banking/credit-cards/low-rate-visa-credit-card/#:~:text=We%20offer%200%25%20for%206,Low%20Rate%20Visa%20Credit%20Card.", "document_sha256": "89794f0972c469384a93380120f2dc5ede7ee5ba34969ba97fe86f0c36f3f340", "confirmed": "2026-11-12" } }, "rate": { "text": "This rate applies to both purchases and cash advances.", "url": "https://www.bankaust.com.au/banking/credit-cards/low-rate-visa-credit-card/", "citation": { "quote": "This rate applies to both purchases and cash advances.", "url": "https://www.bankaust.com.au/banking/credit-cards/low-rate-visa-credit-card/#:~:text=This%20rate%20applies%20to%20both%20purchases%20and%20cash%20advances.", "document_sha256": "89794f0972c469384a93380120f2dc5ede7ee5ba34969ba97fe86f0c36f3f340", "confirmed": "2026-11-12" } } }, "verified": { "rate_pct": "found", "annual_fee": "found", "balance_transfer": "found", "rate": "found" } }, "kind": "low_rate", "rate_pct": 12.34, "bt_promo_rate_pct": 0.0, "bt_promo_months": 6, "bt_fee_pct": null, "bt_revert_rate_pct": 12.34, "from_issuer_page": [ { "source": "confirmation", "fields": [ "purchase_rate_pct", "annual_fee", "bt_promo_rate_pct", "bt_promo_months", "bt_fee_pct", "bt_revert_rate_pct" ], "confirmed": "2026-11-12", "url": "https://www.bankaust.com.au/banking/credit-cards/low-rate-visa-credit-card/#:~:text=12.34%20%25%20p.a.%20Variable%20interest%20rate%20Effective%201%20November%202026", "quote": "12.34 % p.a. Variable interest rate Effective 1 November 2026" } ] }, { "rank": 33, "brand": "Qudos Bank", "brand_label": "Qudos Bank", "brand_slug": "qudos-bank", "legal_entity_abn": "21087651607", "product_id": "9be8ebbe-7ed3-4ae2-bc1e-c794f5730339", "product_name": "Lifestyle", "product_label": "Lifestyle", "product_slug": "lifestyle", "page": "/au/finance/credit-cards/cards/qudos-bank/lifestyle/", "product_url": "https://www.qudosbank.com.au/products/credit-cards/lifestyle-credit-card", "terms_url": "https://www.qudosbank.com.au/reusable-documents/terms-and-conditions/credit-card-terms-and-conditions/", "fees_url": "https://www.qudosbank.com.au/products/credit-cards/lifestyle-credit-card", "card_type": "credit", "scheme": "visa", "tier": null, "segments": [ "personal" ], "segment": "personal", "purchase_rate_pct": 12.34, "purchase_rate_range_pct": null, "no_interest_card": null, "cash_advance_rate_pct": 12.34, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": null, "annual_fee": 0.0, "fee_period": "annual", "fee_as_stated": 0.0, "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": 3.5, "late_payment_fee": 0.0, "additional_cardholder_fee": 0.0, "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" ], "instalment_plan": false, "additional_cards": 1, "min_credit_limit": 1000.0, "max_credit_limit": 20000.0, "min_income": null, "min_age": 18, "restrictions": [ "existing_customers" ], "conditions": [ "corrected from the bank's own page: 12.34% and no annual fee, per the Key Facts Sheet on the bank's rates page effective 1 November 2026 (a footnote on the card page gives 12.84%, which the sheet does not); the 4.99% introductory rate on purchases and balance transfers ended for new applications on 1 November 2026", "credit limit $1,000 to $20,000", "existing Qudos Bank customers only; new customers are sent to Bank Australia" ], "source_kind": "feed", "record_stale": false, "source_url": "https://public.cdr.qudosbank.com.au/cds-au/v1/banking/products/9be8ebbe-7ed3-4ae2-bc1e-c794f5730339", "source_snapshot": "/au/finance/credit-cards/v1/source/qudos-bank/9be8ebbe-7ed3-4ae2-bc1e-c794f5730339.json", "bank_last_updated": "2026-02-27T04:23:05.801Z", "key_facts_sheet_url": null, "document_links_source": { "terms_url": "found by hand 2026-11-01: terms and conditions" }, "document_date": null, "checked": null, "form": null, "interest_free_balance_threshold": null, "correction": { "checked": "2026-11-01", "note": "12.34% and no annual fee, per the Key Facts Sheet on the bank's rates page effective 1 November 2026 (a footnote on the card page gives 12.84%, which the sheet does not); the 4.99% introductory rate on purchases and balance transfers ended for new applications on 1 November 2026", "fields": [ "balance_transfer", "intro_purchase_months", "intro_purchase_rate_pct", "conditions" ], "quotes": { "effective_date": { "text": "Effective 1 November 2026", "url": "https://www.qudosbank.com.au/products/rates/credit-cards-rates", "citation": { "quote": "Effective 1 November 2026", "url": "https://www.qudosbank.com.au/products/rates/credit-cards-rates#:~:text=Effective%201%20November%202026", "document_sha256": "f9ffd4f9bbfdefc4efe8ec80ecafd10056c9cf68d8798fa27525e19e4d0dff06", "confirmed": "2026-11-12" } }, "rate": { "text": "Interest on purchases 20.99 19.74 12.34", "url": "https://www.qudosbank.com.au/products/rates/credit-cards-rates", "citation": { "quote": "Interest on purchases 20.99 19.74 12.34", "url": "https://www.qudosbank.com.au/products/rates/credit-cards-rates#:~:text=Interest%20on%20purchases%2020.99%2019.74%2012.34", "document_sha256": "f9ffd4f9bbfdefc4efe8ec80ecafd10056c9cf68d8798fa27525e19e4d0dff06", "confirmed": "2026-11-12" } }, "intro_ended": { "text": "From 1 November 2026, the introductory interest rate of 4.99% p.a. for the first 5 months will no longer be available for new Qudos Bank credit card applications.", "url": "https://www.qudosbank.com.au/credit-card-updates", "citation": { "quote": "From 1 November 2026, the introductory interest rate of 4.99% p.a. for the first 5 months will no longer be available for new Qudos Bank credit card applications.", "url": "https://www.qudosbank.com.au/credit-card-updates#:~:text=From%201%20November%202026%2C%20the,Qudos%20Bank%20credit%20card%20applications.", "document_sha256": "f68255c5e06fa836c602634590ee51b50049c2bd74330e3115357572d092bb00", "confirmed": "2026-11-12" } } }, "verified": { "effective_date": "found", "rate": "found", "intro_ended": "found" } }, "kind": "low_rate", "rate_pct": 12.34, "bt_promo_rate_pct": null, "bt_promo_months": null, "bt_fee_pct": null, "bt_revert_rate_pct": null, "from_issuer_page": [ { "source": "correction", "fields": [ "intro_purchase_rate_pct", "intro_purchase_months", "bt_promo_rate_pct", "bt_promo_months", "bt_fee_pct", "bt_revert_rate_pct" ], "confirmed": "2026-11-12", "url": "https://www.qudosbank.com.au/credit-card-updates#:~:text=From%201%20November%202026%2C%20the,Qudos%20Bank%20credit%20card%20applications.", "quote": "From 1 November 2026, the introductory interest rate of 4.99% p.a. for the first 5 months will no longer be available for new Qudos Bank credit card applications." }, { "source": "watched_term", "fields": [ "restrictions" ], "confirmed": "2026-11-12", "url": "https://www.qudosbank.com.au/products/credit-cards/lifestyle-credit-card#:~:text=If%20you%E2%80%99re%20a%20new%20customer%2C,on%20the%20Bank%20Australia%20website.", "quote": "If you’re a new customer, select ‘I’m a new customer’ to view Bank Australia credit cards on the Bank Australia website." } ] }, { "rank": 34, "brand": "Maitland Mutual Limited", "brand_label": "The Mutual Bank", "brand_slug": "maitland-mutual-limited", "legal_entity_abn": "94087651983", "product_id": "Mutual_Visa_Credit_Card", "product_name": "Mutual Visa Credit Card", "product_label": "Mutual Visa Credit Card", "product_slug": "mutual-visa-credit-card", "page": "/au/finance/credit-cards/cards/maitland-mutual-limited/mutual-visa-credit-card/", "product_url": "https://www.themutual.com.au/everyday-banking/personal-finance/mutual-visa-credit-card/", "terms_url": "https://www.themutual.com.au/help-support/important-documents/", "fees_url": "https://www.themutual.com.au/help-support/important-documents/", "card_type": "credit", "scheme": "visa", "tier": null, "segments": [ "personal" ], "segment": "personal", "purchase_rate_pct": 12.49, "purchase_rate_range_pct": null, "no_interest_card": null, "cash_advance_rate_pct": 12.49, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 55, "annual_fee": 49.0, "fee_period": "annual", "fee_as_stated": 49.0, "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" ], "instalment_plan": false, "additional_cards": 1, "min_credit_limit": 500.0, "max_credit_limit": 20000.0, "min_income": null, "min_age": 18, "restrictions": [], "conditions": [ "credit limit $500 to $20,000" ], "source_kind": "feed", "record_stale": false, "source_url": "https://openbanking.themutual.com.au/OpenBanking/cds-au/v1/banking/products/Mutual_Visa_Credit_Card", "source_snapshot": "/au/finance/credit-cards/v1/source/maitland-mutual-limited/Mutual_Visa_Credit_Card.json", "bank_last_updated": "2026-07-15T07:46:22.000+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": 12.49, "bt_promo_rate_pct": null, "bt_promo_months": null, "bt_fee_pct": null, "bt_revert_rate_pct": null, "from_issuer_page": null }, { "rank": 35, "brand": "Beyond Bank Australia", "brand_label": "Beyond Bank Australia", "brand_slug": "beyond-bank-australia", "legal_entity_abn": "15087651143", "product_id": "11", "product_name": "Low Rate Credit Card", "product_label": "Low Rate Credit Card", "product_slug": "low-rate-credit-card", "page": "/au/finance/credit-cards/cards/beyond-bank-australia/low-rate-credit-card/", "product_url": "https://www.beyondbank.com.au/bank-and-save/debit-and-credit-cards/low-rate-visa-credit-card/", "terms_url": "https://brand.beyondbank.com.au/m/4ac003904302eec8/original/Low-Rate-Credit-Card-Terms-and-Conditions.pdf", "fees_url": "https://brand.beyondbank.com.au/m/7470681f224b04de/original/Fees-and-Charges-website.pdf", "card_type": "credit", "scheme": "visa", "tier": null, "segments": [ "personal" ], "segment": "personal", "purchase_rate_pct": 12.49, "purchase_rate_range_pct": null, "no_interest_card": null, "cash_advance_rate_pct": 12.49, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 62, "annual_fee": 59.0, "fee_period": "annual", "fee_as_stated": 59.0, "annual_fee_stated": true, "annual_fee_note": null, "fee_offers": [], "first_year_fee_waived": false, "foreign_transaction_fee_pct": null, "foreign_transaction_fee": null, "cash_advance_fee_pct": null, "cash_advance_fee": null, "late_payment_fee": null, "additional_cardholder_fee": null, "balance_transfer": { "promo_rate_pct": 0.0, "promo_months": 12, "fee_pct": null, "revert_rate_pct": null, "revert_to": null, "for_new_cards": true, "for_existing_customers": null, "ongoing_rate_pct": null, "offers": [ { "rate_pct": 0.0, "months": 12, "fee_pct": null, "for_new_cards": true, "for_existing_customers": null, "text": "For a limited time, this offer is available on balance transfers for a 12 month period with any newly approved Low Rate Visa Credit Card. It applies exclusively to balance transfers from credit cards not issued by Beyond Bank. A minimum transfer amount of $500 is required, and the offer must be req…" }, { "rate_pct": 4.99, "months": 6, "fee_pct": null, "for_new_cards": true, "for_existing_customers": null, "text": "For a limited time, this discounted rate is available on balance transfers for a 6 month period with any newly approved Low Rate Visa Credit Card. It applies exclusively to balance transfers from credit cards not issued by Beyond Bank. A minimum transfer amount of $500 is required, and the offer mu…" } ] }, "rewards_program": null, "rewards_programs": [], "rewards_program_fee": null, "bonus_offer": null, "cashback_offer": null, "insurances": [], "digital_wallets": [ "Mobile Wallet" ], "instalment_plan": false, "additional_cards": 4, "min_credit_limit": 1000.0, "max_credit_limit": 80000.0, "min_income": null, "min_age": 18, "restrictions": [], "conditions": [ "0.00% on balance transfers for 12 months; new cards", "credit limit $1,000 to $80,000", "Lending criteria applies.", "Membership: You must be or become a Beyond Bank Australia member", "0% for 12 months only on transfers made within a month of applying (later: 4.99% for 6 months), from non-Beyond Bank cards, minimum $500; then the purchase rate", "$25 default fee each month while in default, plus $20 for each default notice (no separate late fee)", "3% international transaction fee" ], "source_kind": "feed", "record_stale": false, "source_url": "https://public.cdr.api.beyondbank.com.au/cds-au/v1/banking/products/11", "source_snapshot": "/au/finance/credit-cards/v1/source/beyond-bank-australia/11.json", "bank_last_updated": "2026-10-14T02:00:31.6711382Z", "key_facts_sheet_url": "https://www.beyondbank.com.au/bank-and-save/debit-and-credit-cards/low-rate-visa-credit-card/credit-card-key-fact-sheet/", "document_links_source": { "terms_url": "found by hand 2026-11-01: terms and conditions", "fees_url": "found by hand 2026-11-01: fees and charges", "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": 12.49, "bt_promo_rate_pct": 0.0, "bt_promo_months": 12, "bt_fee_pct": null, "bt_revert_rate_pct": null, "from_issuer_page": null }, { "rank": 36, "brand": "QBANK", "brand_label": "QBank", "brand_slug": "qbank", "legal_entity_abn": "79087651036", "product_id": "S25_Bluey", "product_name": "Bluey Visa Credit Card", "product_label": "Bluey Visa Credit Card", "product_slug": "bluey-visa-credit-card", "page": "/au/finance/credit-cards/cards/qbank/bluey-visa-credit-card/", "product_url": "https://www.qbank.com.au/products/credit-cards/bluey-visa-credit-card/", "terms_url": "https://www.qbank.com.au/media/2622/17042025_1237_qbank-bluey-card-conditions-bcc0920-final.pdf", "fees_url": "https://www.qbank.com.au/loans-products/credit-cards/", "card_type": "credit", "scheme": "visa", "tier": null, "segments": [ "personal" ], "segment": "personal", "purchase_rate_pct": 12.74, "purchase_rate_range_pct": null, "no_interest_card": null, "cash_advance_rate_pct": 12.74, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 55, "annual_fee": 0, "fee_period": "annual", "fee_as_stated": 0, "annual_fee_stated": true, "annual_fee_note": null, "fee_offers": [], "first_year_fee_waived": false, "foreign_transaction_fee_pct": 3.65, "foreign_transaction_fee": 35.0, "cash_advance_fee_pct": null, "cash_advance_fee": null, "late_payment_fee": null, "additional_cardholder_fee": null, "balance_transfer": { "offers": [], "for_new_cards": null, "for_existing_customers": null, "ongoing_rate_pct": null, "fee_pct": null, "revert_rate_pct": null, "revert_to": null, "promo_rate_pct": 0.0, "promo_months": 12 }, "rewards_program": null, "rewards_programs": [], "rewards_program_fee": null, "bonus_offer": null, "cashback_offer": null, "insurances": [], "digital_wallets": [ "Apple Pay", "Google Pay" ], "instalment_plan": false, "additional_cards": null, "min_credit_limit": 1000.0, "max_credit_limit": null, "min_income": null, "min_age": null, "restrictions": [ "occupation_membership" ], "conditions": [ "corrected from the bank's own page: 12.74% on purchases with no introductory purchase rate, no annual fee and 0% on balance transfers for 12 months from the transfer date, per the bank's Credit Card Fact Sheet (correct as at 19 October 2026); the feed's \"12.74% for 12 months\" reads as a misplaced balance transfer period", "12.74% on purchases for the first 12 months, then the purchase rate", "Membership limited to current or former employees of police, ambulance, firies, health workers, emergency services, correctional services and government employees as well as their family members (the lender's words)", "You must be a member. Membership is open to current or former employees of police, ambulance, firies, health workers, emergency services, correctional services…", "All applications for credit are subject to responsible lending criteria. Fees and charges apply. You can find our Credit Card terms and conditions online or fr…", "0% on balance transfers for 12 months from the transfer date", "no annual fee", "$8 late payment fee", "$4 cash advance fee per transaction" ], "source_kind": "feed", "record_stale": false, "source_url": "https://banking.qbank.com.au/openbanking/cds-au/v1/banking/products/S25_Bluey", "source_snapshot": "/au/finance/credit-cards/v1/source/qbank/S25_Bluey.json", "bank_last_updated": "2026-10-19T06:10:22.000+10:00", "key_facts_sheet_url": "https://www.qbank.com.au/media/4987/ccfs191026-credit-card-fact-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": "2026-11-01", "note": "12.74% on purchases with no introductory purchase rate, no annual fee and 0% on balance transfers for 12 months from the transfer date, per the bank's Credit Card Fact Sheet (correct as at 19 October 2026); the feed's \"12.74% for 12 months\" reads as a misplaced balance transfer period", "fields": [ "annual_fee", "annual_fee_stated", "fee_as_stated", "fee_period", "intro_purchase_months", "intro_purchase_rate_pct", "balance_transfer" ], "quotes": { "rate": { "text": "Interest on purchases 12.74% p.a.*", "url": "https://www.qbank.com.au/media/4987/ccfs191026-credit-card-fact-sheet.pdf", "citation": { "quote": "Interest on purchases 12.74% p.a.*", "url": "https://www.qbank.com.au/media/4987/ccfs191026-credit-card-fact-sheet.pdf#page=1", "page": 1, "document_sha256": "e35fd627e358c242d8a6c32244dca815dcc49a57f6fab75f59eb122d10873e73", "confirmed": "2026-11-12" } }, "balance_transfer": { "text": "Balance Transfer Interest Rate 0.00% p.a.* for 12 months from the transfer date", "url": "https://www.qbank.com.au/media/4987/ccfs191026-credit-card-fact-sheet.pdf", "citation": { "quote": "Balance Transfer Interest Rate 0.00% p.a.* for 12 months from the transfer date", "url": "https://www.qbank.com.au/media/4987/ccfs191026-credit-card-fact-sheet.pdf#page=1", "page": 1, "document_sha256": "e35fd627e358c242d8a6c32244dca815dcc49a57f6fab75f59eb122d10873e73", "confirmed": "2026-11-12" } }, "annual_fee": { "text": "Annual fee Nil", "url": "https://www.qbank.com.au/media/4987/ccfs191026-credit-card-fact-sheet.pdf", "citation": { "quote": "Annual fee Nil", "url": "https://www.qbank.com.au/media/4987/ccfs191026-credit-card-fact-sheet.pdf#page=1", "page": 1, "document_sha256": "e35fd627e358c242d8a6c32244dca815dcc49a57f6fab75f59eb122d10873e73", "confirmed": "2026-11-12" } } }, "verified": { "rate": "found", "balance_transfer": "found", "annual_fee": "found" } }, "kind": "low_rate", "rate_pct": 12.74, "bt_promo_rate_pct": 0.0, "bt_promo_months": 12, "bt_fee_pct": null, "bt_revert_rate_pct": null, "from_issuer_page": [ { "source": "correction", "fields": [ "annual_fee", "intro_purchase_rate_pct", "intro_purchase_months", "bt_promo_rate_pct", "bt_promo_months" ], "confirmed": "2026-11-12", "url": "https://www.qbank.com.au/media/4987/ccfs191026-credit-card-fact-sheet.pdf#page=1", "quote": "Balance Transfer Interest Rate 0.00% p.a.* for 12 months from the transfer date" } ] }, { "rank": 37, "brand": "Horizon Bank", "brand_label": "Horizon Bank", "brand_slug": "horizon-bank", "legal_entity_abn": "66087650173", "product_id": "S97_S970001", "product_name": "VISA CREDIT CARD", "product_label": "Visa Credit Card", "product_slug": "visa-credit-card", "page": "/au/finance/credit-cards/cards/horizon-bank/visa-credit-card/", "product_url": "https://horizonbank.com.au/loans/credit-facilities/visa-credit-card/", "terms_url": "https://horizonbank.com.au/reusable-documents/disclosure-documents/visa-credit-card-conditions-of-use/", "fees_url": "https://horizonbank.com.au/loans/credit-facilities/visa-credit-card/", "card_type": "credit", "scheme": "visa", "tier": null, "segments": [ "personal" ], "segment": "personal", "purchase_rate_pct": 12.95, "purchase_rate_range_pct": null, "no_interest_card": null, "cash_advance_rate_pct": 12.95, "intro_purchase_rate_pct": 4.99, "intro_purchase_months": 5, "interest_free_days": 55, "annual_fee": 49, "fee_period": "annual", "fee_as_stated": 49, "annual_fee_stated": true, "annual_fee_note": null, "fee_offers": [], "first_year_fee_waived": false, "foreign_transaction_fee_pct": null, "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", "Samsung Pay", "Google Pay" ], "instalment_plan": false, "additional_cards": null, "min_credit_limit": 500.0, "max_credit_limit": 30000, "min_income": null, "min_age": 18, "restrictions": [], "conditions": [ "corrected from the bank's own page: a $49 annual fee, 4.99% for the first 5 months and a $30,000 maximum limit, per the bank's Key Facts Sheet (\"Annual fee $49\"; \"4.99% p.a. introductory rate – applicable for a 5 month period\") and card FAQ; the feed states no fee and a 7.96% introductory rate", "7.96% on purchases for the first 5 months, then the purchase rate", "$49 annual fee", "late payment fee $10", "credit limit $500 to $30,000", "the introductory rate also applies to balance transfers made in the first 5 months", "must become a Horizon member (anyone can apply)" ], "source_kind": "feed", "record_stale": false, "source_url": "https://onlinebanking.horizonbank.com.au/openbanking/cds-au/v1/banking/products/S97_S970001", "source_snapshot": "/au/finance/credit-cards/v1/source/horizon-bank/S97_S970001.json", "bank_last_updated": "2026-11-04T10:53:38.000+11:00", "key_facts_sheet_url": "https://horizonbank.com.au/media/3900/credit-card-key-fact-sheet-010924.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": "2026-11-07", "note": "a $49 annual fee, 4.99% for the first 5 months and a $30,000 maximum limit, per the bank's Key Facts Sheet (\"Annual fee $49\"; \"4.99% p.a. introductory rate – applicable for a 5 month period\") and card FAQ; the feed states no fee and a 7.96% introductory rate", "fields": [ "annual_fee", "annual_fee_stated", "fee_as_stated", "fee_period", "intro_purchase_months", "intro_purchase_rate_pct", "max_credit_limit" ], "quotes": { "annual_fee": { "text": "Annual fee $49", "url": "https://horizonbank.com.au/media/3900/credit-card-key-fact-sheet-010924.pdf", "citation": { "quote": "Annual fee $49", "url": "https://horizonbank.com.au/media/3900/credit-card-key-fact-sheet-010924.pdf#page=1", "page": 1, "document_sha256": "d547dc34b449d6ddabd5469370f04ff32f2ee23f1b9e9f489a69eaabbaea2de9", "confirmed": "2026-11-12" } }, "intro": { "text": "4.99% p.a. introductory rate – applicable for a 5 month period", "url": "https://horizonbank.com.au/media/3900/credit-card-key-fact-sheet-010924.pdf", "citation": { "quote": "4.99% p.a. introductory rate – applicable for a 5 month period", "url": "https://horizonbank.com.au/media/3900/credit-card-key-fact-sheet-010924.pdf#page=1", "page": 1, "document_sha256": "d547dc34b449d6ddabd5469370f04ff32f2ee23f1b9e9f489a69eaabbaea2de9", "confirmed": "2026-11-12" } }, "credit_limit": { "text": "The minimum amount you can borrow for a Visa Credit Card is $500 and the maximum amount is $30,000.", "url": "https://horizonbank.com.au/help/faqs/visa-credit-card-faqs/", "citation": { "quote": "The minimum amount you can borrow for a Visa Credit Card is $500 and the maximum amount is $30,000.", "url": "https://horizonbank.com.au/help/faqs/visa-credit-card-faqs/#:~:text=The%20minimum%20amount%20you%20can,the%20maximum%20amount%20is%20%2430%2C000.", "document_sha256": "0ecb878032b91e8f32e9fa99d86edd907fa461cd6826adcb2b5df305fd17cd8c", "confirmed": "2026-11-12" } } }, "verified": { "annual_fee": "found", "intro": "found", "credit_limit": "found" } }, "kind": "low_rate", "rate_pct": 12.95, "bt_promo_rate_pct": null, "bt_promo_months": null, "bt_fee_pct": null, "bt_revert_rate_pct": null, "from_issuer_page": [ { "source": "correction", "fields": [ "annual_fee", "intro_purchase_rate_pct", "intro_purchase_months", "max_credit_limit" ], "confirmed": "2026-11-12", "url": "https://horizonbank.com.au/media/3900/credit-card-key-fact-sheet-010924.pdf#page=1", "quote": "Annual fee $49" } ] }, { "rank": 38, "brand": "People First and Heritage Bank", "brand_label": "People First Bank / Heritage Bank", "brand_slug": "people-first-and-heritage-bank", "legal_entity_abn": "11087651125", "product_id": "ef54bfdb-5db3-4ce7-b678-25492785377a", "product_name": "Visa Credit Card", "product_label": "Visa Credit Card", "product_slug": "visa-credit-card", "page": "/au/finance/credit-cards/cards/people-first-and-heritage-bank/visa-credit-card/", "product_url": "https://www.peoplefirstbank.com.au/loans/visa-credit-card", "terms_url": "https://www.peoplefirstbank.com.au/brc-8-3-2", "fees_url": "https://www.peoplefirstbank.com.au/-/media/project/peoplefirst/pfbwebsite/medialibrary/files/general/brochures/brc-8-6-2-fees-and-charges.pdf", "card_type": "credit", "scheme": "visa", "tier": null, "segments": [ "personal" ], "segment": "personal", "purchase_rate_pct": 12.95, "purchase_rate_range_pct": null, "no_interest_card": null, "cash_advance_rate_pct": 12.95, "intro_purchase_rate_pct": 2.99, "intro_purchase_months": 6, "interest_free_days": 62, "annual_fee": 59, "fee_period": "annual", "fee_as_stated": 59, "annual_fee_stated": true, "annual_fee_note": null, "fee_offers": [], "first_year_fee_waived": false, "foreign_transaction_fee_pct": null, "foreign_transaction_fee": null, "cash_advance_fee_pct": null, "cash_advance_fee": null, "late_payment_fee": null, "additional_cardholder_fee": null, "balance_transfer": { "promo_rate_pct": 2.99, "promo_months": 6, "fee_pct": null, "revert_rate_pct": null, "revert_to": null, "for_new_cards": null, "for_existing_customers": null, "ongoing_rate_pct": null, "offers": [ { "rate_pct": 2.99, "months": 6, "fee_pct": null, "for_new_cards": null, "for_existing_customers": null, "text": "A low introductory rate of 2.99% p.a. for the first 6 months - available across all balance transfers, cash advances and purchases" } ] }, "rewards_program": null, "rewards_programs": [], "rewards_program_fee": null, "bonus_offer": null, "cashback_offer": null, "insurances": [], "digital_wallets": [ "The Pays" ], "instalment_plan": false, "additional_cards": null, "min_credit_limit": 1000.0, "max_credit_limit": null, "min_income": null, "min_age": 18, "restrictions": [], "conditions": [ "corrected from the bank's own page: a $59 annual fee and up to 62 interest-free days, per the bank's card page (\"Annual Visa Credit Card Fee $59 per account\"; \"Up to 62 days interest free\"); the feed carries both but files the fee as a transaction fee and the days as P2M1D, so neither was read", "2.99% on purchases for the first 6 months, then the purchase rate", "2.99% on balance transfers for 6 months", "Terms, conditions, fees, charges and lending criteria apply and are available on application", "$59 annual card fee (the feed files it as a transaction fee, so it is not published), waived for under-25s with an Activate account, home loan or line of credit holders and some relationship customers", "up to 62 interest-free days on purchases, only when both the previous and current statement balances are paid in full" ], "source_kind": "feed", "record_stale": false, "source_url": "https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products/ef54bfdb-5db3-4ce7-b678-25492785377a", "source_snapshot": "/au/finance/credit-cards/v1/source/people-first-and-heritage-bank/ef54bfdb-5db3-4ce7-b678-25492785377a.json", "bank_last_updated": "2026-05-04T14:36:10.727Z", "key_facts_sheet_url": "https://www.peoplefirstbank.com.au/-/media/project/peoplefirst/pfbwebsite/medialibrary/files/general/brochures/brc-8-1-6-credit-card-key-facts-sheet.pdf", "document_links_source": { "fees_url": "found by hand 2026-11-01: fees and charges", "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": "2026-11-01", "note": "a $59 annual fee and up to 62 interest-free days, per the bank's card page (\"Annual Visa Credit Card Fee $59 per account\"; \"Up to 62 days interest free\"); the feed carries both but files the fee as a transaction fee and the days as P2M1D, so neither was read", "fields": [ "annual_fee", "annual_fee_stated", "fee_as_stated", "fee_period", "interest_free_days" ], "quotes": { "annual_fee": { "text": "Annual Visa Credit Card Fee $59 per account", "url": "https://www.peoplefirstbank.com.au/loans/visa-credit-card", "citation": { "quote": "Annual Visa Credit Card Fee $59 per account", "url": "https://www.peoplefirstbank.com.au/loans/visa-credit-card#:~:text=Annual%20Visa%20Credit%20Card%20Fee%20%2459%20per%20account", "document_sha256": "e54b5d686aaaf58afbdc1ea41b979aecea163d1178f4fa4a8fa625c45d916bda", "confirmed": "2026-11-12" } }, "interest_free": { "text": "Up to 62 days interest free", "url": "https://www.peoplefirstbank.com.au/loans/visa-credit-card", "citation": { "quote": "Up to 62 days interest free", "url": "https://www.peoplefirstbank.com.au/loans/visa-credit-card#:~:text=Up%20to%2062%20days%20interest%20free", "document_sha256": "e54b5d686aaaf58afbdc1ea41b979aecea163d1178f4fa4a8fa625c45d916bda", "confirmed": "2026-11-12" } } }, "verified": { "annual_fee": "found", "interest_free": "found" } }, "kind": "low_rate", "rate_pct": 12.95, "bt_promo_rate_pct": 2.99, "bt_promo_months": 6, "bt_fee_pct": null, "bt_revert_rate_pct": null, "from_issuer_page": [ { "source": "correction", "fields": [ "annual_fee", "interest_free_days" ], "confirmed": "2026-11-12", "url": "https://www.peoplefirstbank.com.au/loans/visa-credit-card#:~:text=Annual%20Visa%20Credit%20Card%20Fee%20%2459%20per%20account", "quote": "Annual Visa Credit Card Fee $59 per account" } ] }, { "rank": 39, "brand": "ING BANK (Australia) Ltd", "brand_label": "ING", "brand_slug": "ing-bank-australia-ltd", "legal_entity_abn": "24000893292", "product_id": "5031dc6b-6993-4de1-8e0b-a96de30c2f28", "product_name": "Orange One Low Rate", "product_label": "Orange One Low Rate", "product_slug": "orange-one-low-rate", "page": "/au/finance/credit-cards/cards/ing-bank-australia-ltd/orange-one-low-rate/", "product_url": "https://www.ing.com.au/credit-cards/orange-one.html", "terms_url": "https://www.ing.com.au/pdf/orangeone/Orange%20One%20Terms%20and%20Conditions.pdf", "fees_url": null, "card_type": "credit", "scheme": "visa", "tier": null, "segments": [ "personal" ], "segment": "personal", "purchase_rate_pct": 12.99, "purchase_rate_range_pct": null, "no_interest_card": null, "cash_advance_rate_pct": 12.99, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 45, "annual_fee": 48.0, "fee_period": "annual", "fee_as_stated": 48.0, "annual_fee_stated": true, "annual_fee_note": null, "fee_offers": [], "first_year_fee_waived": false, "foreign_transaction_fee_pct": 0.0, "foreign_transaction_fee": null, "cash_advance_fee_pct": 3.0, "cash_advance_fee": null, "late_payment_fee": 30.0, "additional_cardholder_fee": 10.0, "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" ], "instalment_plan": false, "additional_cards": 3, "min_credit_limit": 1000.0, "max_credit_limit": 30000.0, "min_income": 36000.0, "min_age": 18, "restrictions": [], "conditions": [ "credit limit $1,000 to $30,000", "minimum income $36,000 a year", "Have and maintain an Australian residential address.", "You need to hold, or have applied for, an ING Orange Everyday Transaction Account at the time you apply.", "Monthly Auto-Pay from a linked ING account for the Minimum or Full Amount." ], "source_kind": "feed", "record_stale": false, "source_url": "https://id.ob.ing.com.au/cds-au/v1/banking/products/5031dc6b-6993-4de1-8e0b-a96de30c2f28", "source_snapshot": "/au/finance/credit-cards/v1/source/ing-bank-australia-ltd/5031dc6b-6993-4de1-8e0b-a96de30c2f28.json", "bank_last_updated": "2026-08-11T06:21:03.003Z", "key_facts_sheet_url": "https://www.ing.com.au/pdf/orangeone/Orange%20One%20Key%20Facts%20Sheet.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": null, "kind": "low_rate", "rate_pct": 12.99, "bt_promo_rate_pct": null, "bt_promo_months": null, "bt_fee_pct": null, "bt_revert_rate_pct": null, "from_issuer_page": null }, { "rank": 40, "brand": "Bankwest", "brand_label": "Bankwest", "brand_slug": "bankwest", "legal_entity_abn": "48123123124", "product_id": "9ce7236b194f4294b5cf84452e9025c2", "product_name": "Bankwest Breeze Platinum Mastercard", "product_label": "Breeze Platinum Mastercard", "product_slug": "breeze-platinum-mastercard", "page": "/au/finance/credit-cards/cards/bankwest/breeze-platinum-mastercard/", "product_url": "https://www.bankwest.com.au/credit-cards/low-rate", "terms_url": null, "fees_url": "https://www.bankwest.com.au/credit-cards/low-rate", "card_type": "credit", "scheme": "mastercard", "tier": "platinum", "segments": [ "personal" ], "segment": "personal", "purchase_rate_pct": 12.99, "purchase_rate_range_pct": null, "no_interest_card": null, "cash_advance_rate_pct": 21.99, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 55, "annual_fee": 59.0, "fee_period": "annual", "fee_as_stated": 59.0, "annual_fee_stated": true, "annual_fee_note": null, "fee_offers": [ "No credit card annual fee applies when the card is taken out as an eligible card with the Complete Home Loan Package." ], "first_year_fee_waived": false, "foreign_transaction_fee_pct": 0.0, "foreign_transaction_fee": null, "cash_advance_fee_pct": 3.0, "cash_advance_fee": null, "late_payment_fee": 25.0, "additional_cardholder_fee": null, "balance_transfer": { "promo_rate_pct": 0.0, "promo_months": 24, "fee_pct": 3.0, "revert_rate_pct": 12.99, "revert_to": "balance_transfer", "for_new_cards": true, "for_existing_customers": null, "ongoing_rate_pct": 12.99, "offers": [ { "rate_pct": 0.0, "months": 24, "fee_pct": null, "for_new_cards": true, "for_existing_customers": null, "text": "0% p.a. for 24 months on balance transfers after your Card is approved. After the intro period, the ongoing balance transfer rate applies. Limited time for new Breeze Mastercard customers only. Minimum balance transfer amount is $500 and a balance transfer request will only be processed up to 95% o…" } ] }, "rewards_program": null, "rewards_programs": [], "rewards_program_fee": null, "bonus_offer": null, "cashback_offer": null, "insurances": [ "Complimentary Overseas Travel Insurance" ], "digital_wallets": [ "Apple Pay", "Garmin Pay", "Google Pay", "Samsung Pay" ], "instalment_plan": true, "additional_cards": 3, "min_credit_limit": 1000.0, "max_credit_limit": null, "min_income": null, "min_age": 18, "restrictions": [], "conditions": [ "0.00% on balance transfers for 24 months, 3% transfer fee, then 12.99% (the balance transfer rate); new cards", "Customers must meet Bankwest's credit assessment criteria, which includes demonstrating the capacity to service the credit facility.", "no foreign transaction fees or overseas ATM fees", "cash advance fee 3% or $4, whichever is greater", "minimum balance transfer $500", "temporary residents on some visa types cannot apply", "not for people who already hold a Breeze Mastercard" ], "source_kind": "feed", "record_stale": false, "source_url": "https://open-api.bankwest.com.au/bwpublic/cds-au/v1/banking/products/9ce7236b194f4294b5cf84452e9025c2", "source_snapshot": "/au/finance/credit-cards/v1/source/bankwest/9ce7236b194f4294b5cf84452e9025c2.json", "bank_last_updated": "2026-10-09T11:08:30.000Z", "key_facts_sheet_url": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20220227-113508.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": 12.99, "bt_promo_rate_pct": 0.0, "bt_promo_months": 24, "bt_fee_pct": 3.0, "bt_revert_rate_pct": 12.99, "from_issuer_page": null }, { "rank": 41, "brand": "Virgin Money", "brand_label": "Virgin Money", "brand_slug": "virgin-money", "legal_entity_abn": "32009656740", "product_id": "8cb23721-102c-ee11-9965-002248e1d56c", "product_name": "Virgin Money Low Rate Credit Card", "product_label": "Low Rate Credit Card", "product_slug": "low-rate-credit-card", "page": "/au/finance/credit-cards/cards/virgin-money/low-rate-credit-card/", "product_url": "https://www.virginmoney.com.au/credit-cards/low-rate-credit-card", "terms_url": "https://www.virginmoney.com.au/content/dam/virginmoney/vma-downloads/credit-cards/credit-card-terms-and-conditions.pdf", "fees_url": "https://www.virginmoney.com.au/help-and-support/rates-and-fees/credit-cards", "card_type": "credit", "scheme": "visa", "tier": null, "segments": [ "personal" ], "segment": "personal", "purchase_rate_pct": 12.99, "purchase_rate_range_pct": null, "no_interest_card": null, "cash_advance_rate_pct": 21.69, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 55, "annual_fee": 99.0, "fee_period": "annual", "fee_as_stated": 99.0, "annual_fee_stated": true, "annual_fee_note": null, "fee_offers": [], "first_year_fee_waived": false, "foreign_transaction_fee_pct": null, "foreign_transaction_fee": null, "cash_advance_fee_pct": 2.7, "cash_advance_fee": 2.7, "late_payment_fee": 30.0, "additional_cardholder_fee": null, "balance_transfer": { "promo_rate_pct": 0.0, "promo_months": 24, "fee_pct": 3.0, "revert_rate_pct": 21.69, "revert_to": "cash_advance", "for_new_cards": null, "for_existing_customers": null, "ongoing_rate_pct": 21.69, "offers": [ { "rate_pct": 0.0, "months": 24, "fee_pct": 3.0, "for_new_cards": null, "for_existing_customers": null, "text": "0% p.a. for 24 months on balance transfers from approval. 3% balance transfer fee applies. Reverts to the cash advance rate." } ] }, "rewards_program": "Virgin Money Rewards", "rewards_programs": [ "Virgin Money Rewards" ], "rewards_program_fee": null, "bonus_offer": null, "cashback_offer": null, "insurances": [], "digital_wallets": [ "Samsung Pay", "Google Pay", "Apple Pay" ], "instalment_plan": true, "additional_cards": null, "min_credit_limit": 2000.0, "max_credit_limit": null, "min_income": 35000.0, "min_age": 18, "restrictions": [], "conditions": [ "0.00% on balance transfers for 24 months, 3% transfer fee, then 21.69% (the cash advance rate)", "minimum income $35,000 a year", "balance transfers limited to 80% of the credit limit and must be requested when applying; no points on transferred balances" ], "source_kind": "feed", "record_stale": false, "source_url": "https://api.cds.virginmoney.com.au/cds-au/v1/banking/products/8cb23721-102c-ee11-9965-002248e1d56c", "source_snapshot": "/au/finance/credit-cards/v1/source/virgin-money/8cb23721-102c-ee11-9965-002248e1d56c.json", "bank_last_updated": "2026-08-05T03:56:39Z", "key_facts_sheet_url": null, "document_links_source": { "terms_url": "found by hand 2026-11-01: terms and conditions" }, "document_date": null, "checked": null, "form": null, "interest_free_balance_threshold": null, "correction": null, "kind": "low_rate", "rate_pct": 12.99, "bt_promo_rate_pct": 0.0, "bt_promo_months": 24, "bt_fee_pct": 3.0, "bt_revert_rate_pct": 21.69, "from_issuer_page": null }, { "rank": 42, "brand": "Woolworths Team Bank", "brand_label": "Woolworths Team Bank", "brand_slug": "woolworths-team-bank", "legal_entity_abn": "67087651803", "product_id": "S90", "product_name": "Visa Credit Card", "product_label": "Visa Credit Card", "product_slug": "visa-credit-card", "page": "/au/finance/credit-cards/cards/woolworths-team-bank/visa-credit-card/", "product_url": "https://woolworthsteambank.com.au", "terms_url": "https://woolworthsteambank.com.au", "fees_url": "https://woolworthsteambank.com.au/wp-content/uploads/2026/09/PDS_Fees_Charges_Transaction_Limits_2026_08.pdf", "card_type": "credit", "scheme": "visa", "tier": null, "segments": [ "personal" ], "segment": "personal", "purchase_rate_pct": 13.45, "purchase_rate_range_pct": null, "no_interest_card": null, "cash_advance_rate_pct": 13.45, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 55, "annual_fee": 24, "fee_period": "monthly", "fee_as_stated": 2, "annual_fee_stated": true, "annual_fee_note": null, "fee_offers": [], "first_year_fee_waived": false, "foreign_transaction_fee_pct": null, "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": 2000, "max_credit_limit": null, "min_income": null, "min_age": 18, "restrictions": [ "occupation_membership" ], "conditions": [ "corrected from the bank's own page: a $2 monthly card fee, waived for members with loans or regular deposits, up to 55 interest-free days and a $2,000 minimum limit, per the bank's card page (\"Monthly card fee $2*\"; \"*Card fee is waived for members with loans or regular deposits into their account\") and Key Facts Sheet; 13.45% is the page's rate for its 'Visa - Credit Card' (the page also lists a 9.45% Low Rate card the feed does not carry)", "Membership is open to team members of Woolworths and Endeavour Groups, their immediate family members, and those with an affinity to Woolworths Group.", "Membership limited to Woolworths Group and Endeavour Group team members and their families (the bank's membership form)", "$2 a month card fee, waived for members with loans or regular deposits", "foreign currency conversion fee 2.5% (the card page says 3%)", "cash advance fee $1.50 a transaction", "minimum credit limit $2,000", "up to 55 interest-free days on purchases only" ], "source_kind": "feed", "record_stale": false, "source_url": "https://online.woolworthsteambank.com.au/OpenBanking/cds-au/v1/banking/products/S90", "source_snapshot": "/au/finance/credit-cards/v1/source/woolworths-team-bank/S90.json", "bank_last_updated": "2025-08-26T11:59:05.000+10:00", "key_facts_sheet_url": "https://woolworthsteambank.com.au/wp-content/uploads/2025/07/Credit%20Card%20Key%20Facts%202025.07.pdf", "document_links_source": { "fees_url": "found by hand 2026-11-01: fees and charges", "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": "2026-11-01", "note": "a $2 monthly card fee, waived for members with loans or regular deposits, up to 55 interest-free days and a $2,000 minimum limit, per the bank's card page (\"Monthly card fee $2*\"; \"*Card fee is waived for members with loans or regular deposits into their account\") and Key Facts Sheet; 13.45% is the page's rate for its 'Visa - Credit Card' (the page also lists a 9.45% Low Rate card the feed does not carry)", "fields": [ "annual_fee", "annual_fee_stated", "fee_as_stated", "fee_period", "interest_free_days", "min_credit_limit" ], "quotes": { "annual_fee": { "text": "Monthly card fee $2*", "url": "https://woolworthsteambank.com.au/credit-cards/", "citation": { "quote": "Monthly card fee $2*", "url": "https://woolworthsteambank.com.au/credit-cards/#:~:text=Monthly%20card%20fee%20%242%2A", "document_sha256": "3493b7e1c8202322c90a564e161b1eb13820f434f317e9bb2fca117f3cadb7e6", "confirmed": "2026-11-12" } }, "waiver": { "text": "*Card fee is waived for members with loans or regular deposits into their account", "url": "https://woolworthsteambank.com.au/credit-cards/", "citation": { "quote": "*Card fee is waived for members with loans or regular deposits into their account", "url": "https://woolworthsteambank.com.au/credit-cards/#:~:text=%2ACard%20fee%20is%20waived%20for,regular%20deposits%20into%20their%20account", "document_sha256": "3493b7e1c8202322c90a564e161b1eb13820f434f317e9bb2fca117f3cadb7e6", "confirmed": "2026-11-12" } }, "interest_free": { "text": "Interest free days Up to 55 days", "url": "https://woolworthsteambank.com.au/credit-cards/", "citation": { "quote": "Interest free days Up to 55 days", "url": "https://woolworthsteambank.com.au/credit-cards/#:~:text=Interest%20free%20days%20Up%20to%2055%20days", "document_sha256": "3493b7e1c8202322c90a564e161b1eb13820f434f317e9bb2fca117f3cadb7e6", "confirmed": "2026-11-12" } }, "credit_limit": { "text": "Minimum credit limit $2,000.00", "url": "https://woolworthsteambank.com.au/wp-content/uploads/2025/07/Credit%20Card%20Key%20Facts%202025.07.pdf", "citation": { "quote": "Minimum credit limit $2,000.00", "url": "https://woolworthsteambank.com.au/wp-content/uploads/2025/07/Credit%20Card%20Key%20Facts%202025.07.pdf#page=1", "page": 1, "document_sha256": "b986e3b9860e7fb0d1130880b306d70b8e63c84806be7eff8f19a898ec3eddc8", "confirmed": "2026-11-12" } } }, "verified": { "annual_fee": "found", "waiver": "found", "interest_free": "found", "credit_limit": "found" } }, "kind": "low_rate", "rate_pct": 13.45, "bt_promo_rate_pct": null, "bt_promo_months": null, "bt_fee_pct": null, "bt_revert_rate_pct": null, "from_issuer_page": [ { "source": "correction", "fields": [ "annual_fee", "interest_free_days", "min_credit_limit" ], "confirmed": "2026-11-12", "url": "https://woolworthsteambank.com.au/credit-cards/#:~:text=Monthly%20card%20fee%20%242%2A", "quote": "Monthly card fee $2*" }, { "source": "watched_term", "fields": [ "restrictions" ], "confirmed": "2026-11-12", "url": "https://woolworthsteambank.snapforms.com.au/form/membership-form#:~:text=I%27m%20a%20Woolworths%20Group%20or%20Endeavour%20Group%20team%20member", "quote": "I'm a Woolworths Group or Endeavour Group team member" } ] }, { "rank": 43, "brand": "SWSbank", "brand_label": "SWS Bank", "brand_slug": "swsbank", "legal_entity_abn": "80087650673", "product_id": "S3_VC", "product_name": "Visa Credit Card", "product_label": "Visa Credit Card", "product_slug": "visa-credit-card", "page": "/au/finance/credit-cards/cards/swsbank/visa-credit-card/", "product_url": "https://www.swsbank.com.au/loans/credit-facilities/visa-classic-credit-card/", "terms_url": "https://swsbank.com.au/reusable-documents/tc/conditions-of-use-visa-classic-credit-card/", "fees_url": "https://www.swsbank.com.au/help-support/rates-fees/fees-and-charges/", "card_type": "credit", "scheme": "visa", "tier": null, "segments": [ "personal", "business" ], "segment": "personal", "purchase_rate_pct": 13.45, "purchase_rate_range_pct": null, "no_interest_card": null, "cash_advance_rate_pct": 13.45, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 55, "annual_fee": 30.0, "fee_period": "annual", "fee_as_stated": 30.0, "annual_fee_stated": true, "annual_fee_note": null, "fee_offers": [], "first_year_fee_waived": false, "foreign_transaction_fee_pct": null, "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": 500.0, "max_credit_limit": 20000.0, "min_income": null, "min_age": 18, "restrictions": [], "conditions": [ "corrected from the bank's own page: 13.45% on purchases, a $30 annual fee and up to 55 days interest-free", "credit limit $500 to $20,000" ], "source_kind": "feed", "record_stale": false, "source_url": "https://online.swsbank.com.au/openbanking/cds-au/v1/banking/products/S3_VC", "source_snapshot": "/au/finance/credit-cards/v1/source/swsbank/S3_VC.json", "bank_last_updated": "2025-09-15T11:05:37.000+10:00", "key_facts_sheet_url": "https://swsbank.com.au/reusable-documents/tc/key-facts-credit-card/", "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": "13.45% on purchases, a $30 annual fee and up to 55 days interest-free", "fields": [ "interest_free_days" ], "quotes": { "interest_free": { "text": "Up to 55 days interest free on purchases", "url": "https://www.swsbank.com.au/loans/credit-facilities/visa-classic-credit-card/", "citation": { "quote": "Up to 55 days interest free on purchases", "url": "https://www.swsbank.com.au/loans/credit-facilities/visa-classic-credit-card/#:~:text=Up%20to%2055%20days%20interest%20free%20on%20purchases", "document_sha256": "da5699a0bb08651c5dff611d7d4300f6335942d732a5d382e83a09b07baa943d", "confirmed": "2026-11-12" } } }, "verified": { "interest_free": "found" } }, "kind": "low_rate", "rate_pct": 13.45, "bt_promo_rate_pct": null, "bt_promo_months": null, "bt_fee_pct": null, "bt_revert_rate_pct": null, "from_issuer_page": [ { "source": "correction", "fields": [ "interest_free_days" ], "confirmed": "2026-11-12", "url": "https://www.swsbank.com.au/loans/credit-facilities/visa-classic-credit-card/#:~:text=Up%20to%2055%20days%20interest%20free%20on%20purchases", "quote": "Up to 55 days interest free on purchases" } ] }, { "rank": 44, "brand": "Bank of China", "brand_label": "Bank of China", "brand_slug": "bank-of-china", "legal_entity_abn": "28110077622", "product_id": "MAULMAU2", "product_name": "Bank of China Great Wall International MasterCard Credit Card (Low rate Card)", "product_label": "Great Wall International MasterCard Credit Card (Low Rate Card)", "product_slug": "great-wall-international-mastercard-credit-card-low-rate-card", "page": "/au/finance/credit-cards/cards/bank-of-china/great-wall-international-mastercard-credit-card-low-rate-card/", "product_url": "https://www.bankofchina.com/au/en/pbservice/pb4/201801/t20180125_11256138.html", "terms_url": "https://www.bankofchina.com/au/en/bocinfo/bi3/201502/t20150217_10963588.html", "fees_url": "https://pic.bankofchina.com/bocappd/australia/202607/P020260703659890181971.pdf", "card_type": "credit", "scheme": "mastercard", "tier": null, "segments": [ "personal" ], "segment": "personal", "purchase_rate_pct": 13.49, "purchase_rate_range_pct": null, "no_interest_card": null, "cash_advance_rate_pct": 21.74, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 50, "annual_fee": 40.0, "fee_period": "annual", "fee_as_stated": 40.0, "annual_fee_stated": true, "annual_fee_note": null, "fee_offers": [], "first_year_fee_waived": false, "foreign_transaction_fee_pct": null, "foreign_transaction_fee": null, "cash_advance_fee_pct": 1.5, "cash_advance_fee": 0.0, "late_payment_fee": 15.0, "additional_cardholder_fee": null, "balance_transfer": null, "rewards_program": "Rewards Points", "rewards_programs": [ "Rewards Points" ], "rewards_program_fee": null, "bonus_offer": null, "cashback_offer": null, "insurances": [], "digital_wallets": [], "instalment_plan": false, "additional_cards": 4, "min_credit_limit": 500.0, "max_credit_limit": null, "min_income": null, "min_age": null, "restrictions": [], "conditions": [ "corrected from the bank's own page: 13.49% on purchases for the Low Interest Card, per the bank's Credit Card Rates and Fees (effective 2 July 2026); the feed gives 19.99%, the standard cards' rate", "up to 55 interest-free days on purchases (feed says 50)", "rewards points expire two years after they are earned" ], "source_kind": "feed", "record_stale": false, "source_url": "https://api-gateway.bankofchina.com.au/cds-au/v1/banking/products/MAULMAU2", "source_snapshot": "/au/finance/credit-cards/v1/source/bank-of-china/MAULMAU2.json", "bank_last_updated": "2024-09-25T04:00:00.000+10:00", "key_facts_sheet_url": null, "document_links_source": { "fees_url": "found by hand 2026-11-01: fees and charges" }, "document_date": null, "checked": null, "form": null, "interest_free_balance_threshold": null, "correction": { "checked": "2026-11-01", "note": "13.49% on purchases for the Low Interest Card, per the bank's Credit Card Rates and Fees (effective 2 July 2026); the feed gives 19.99%, the standard cards' rate", "fields": [ "purchase_rate_pct" ], "quotes": { "rate": { "text": "Interest on Purchases 19.99% p.a 13.49% p.a", "url": "https://pic.bankofchina.com/bocappd/australia/202607/P020260703659890181971.pdf", "citation": { "quote": "Interest on Purchases 19.99% p.a 13.49% p.a", "url": "https://pic.bankofchina.com/bocappd/australia/202607/P020260703659890181971.pdf#page=1", "page": 1, "document_sha256": "7d3e7feffdbf05f81c8663c1fe90595e3c93d1beb0ffabb99a115f8a648f5718", "confirmed": "2026-11-12" } } }, "verified": { "rate": "found" } }, "kind": "low_rate", "rate_pct": 13.49, "bt_promo_rate_pct": null, "bt_promo_months": null, "bt_fee_pct": null, "bt_revert_rate_pct": null, "from_issuer_page": [ { "source": "correction", "fields": [ "purchase_rate_pct" ], "confirmed": "2026-11-12", "url": "https://pic.bankofchina.com/bocappd/australia/202607/P020260703659890181971.pdf#page=1", "quote": "Interest on Purchases 19.99% p.a 13.49% p.a" } ] }, { "rank": 45, "brand": "Coles Credit Cards", "brand_label": "Coles Credit Cards", "brand_slug": "coles-credit-cards", "legal_entity_abn": "12004044937", "product_id": "8520f466-2c02-4af7-83fa-8ae13162a034", "product_name": "Coles Low Rate Mastercard", "product_label": "Low Rate Mastercard", "product_slug": "low-rate-mastercard", "page": "/au/finance/credit-cards/cards/coles-credit-cards/low-rate-mastercard/", "product_url": "https://www.coles.com.au/credit-cards/low-rate", "terms_url": "https://www.coles.com.au/content/dam/coles/coles-financial-services/credit-cards/documents-and-forms/pdfs/coles-mastercard-terms-and-conditions-info.pdf", "fees_url": "https://www.coles.com.au/credit-cards/low-rate", "card_type": "credit", "scheme": "mastercard", "tier": null, "segments": [ "personal" ], "segment": "personal", "purchase_rate_pct": 13.49, "purchase_rate_range_pct": null, "no_interest_card": null, "cash_advance_rate_pct": 20.74, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 55, "annual_fee": 58.0, "fee_period": "annual", "fee_as_stated": 58.0, "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": 3.0, "cash_advance_fee": null, "late_payment_fee": 30.0, "additional_cardholder_fee": null, "balance_transfer": { "offers": [], "for_new_cards": true, "for_existing_customers": null, "ongoing_rate_pct": null, "fee_pct": 3.0, "revert_rate_pct": 20.74, "revert_to": "cash_advance", "promo_rate_pct": 0.0, "promo_months": 18 }, "rewards_program": "Flybuys", "rewards_programs": [ "Flybuys" ], "rewards_program_fee": null, "bonus_offer": null, "cashback_offer": null, "insurances": [ "Complimentary Insurance" ], "digital_wallets": [ "Apple Pay", "Samsung Pay", "Google Pay" ], "instalment_plan": true, "additional_cards": 4, "min_credit_limit": 1000.0, "max_credit_limit": 60000.0, "min_income": null, "min_age": 18, "restrictions": [], "conditions": [ "corrected from the bank's own page: the issuer's page offers 0% on balance transfers for 18 months with a 3% fee, reverting to the cash advance rate, for new cards applied for by 1 March 2027; its feed carries no offer", "credit limit $1,000 to $60,000", "must be an Australian resident for tax purposes with a regular income", "cash advance fee $1.95 minimum (or 3%) in Australia, $5 overseas; over-the-counter $2.25; paper statements $2", "0% on balance transfers for 18 months with a 3% fee, reverting to the 20.74% cash advance rate; up to 80% of the limit; new cards only", "balance transfer offer for new cards only, not when closing or transferring from another Coles Mastercard", "balance transfer offer for applications by 1 March 2027" ], "source_kind": "feed", "record_stale": false, "source_url": "https://api.openbanking.secure.coles.com.au/cds-au/v1/banking/products/8520f466-2c02-4af7-83fa-8ae13162a034", "source_snapshot": "/au/finance/credit-cards/v1/source/coles-credit-cards/8520f466-2c02-4af7-83fa-8ae13162a034.json", "bank_last_updated": "2026-11-02T00:12:00Z", "key_facts_sheet_url": "https://www.coles.com.au/content/dam/coles/coles-financial-services/credit-cards/documents-and-forms/pdfs/coles-credit-cards-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": "2026-11-07", "note": "the issuer's page offers 0% on balance transfers for 18 months with a 3% fee, reverting to the cash advance rate, for new cards applied for by 1 March 2027; its feed carries no offer", "fields": [ "balance_transfer" ], "quotes": { "balance_transfer": { "text": "0% p.a. on Balance Transfers for 18 months. 3% Balance Transfer fee applies.", "url": "https://www.coles.com.au/credit-cards/low-rate", "citation": { "quote": "0% p.a. on Balance Transfers for 18 months. 3% Balance Transfer fee applies.", "url": "https://www.coles.com.au/credit-cards/low-rate#:~:text=0%25%20p.a.%20on%20Balance%20Transfers,3%25%20Balance%20Transfer%20fee%20applies.", "document_sha256": "087d80988540e3a5ed919ba1c2847525a00126ba97d87c5007b4e559f94b9bfe", "confirmed": "2026-11-12" } } }, "verified": { "balance_transfer": "found" } }, "kind": "low_rate", "rate_pct": 13.49, "bt_promo_rate_pct": 0.0, "bt_promo_months": 18, "bt_fee_pct": 3.0, "bt_revert_rate_pct": 20.74, "from_issuer_page": [ { "source": "correction", "fields": [ "bt_promo_rate_pct", "bt_promo_months", "bt_fee_pct", "bt_revert_rate_pct" ], "confirmed": "2026-11-12", "url": "https://www.coles.com.au/credit-cards/low-rate#:~:text=0%25%20p.a.%20on%20Balance%20Transfers,3%25%20Balance%20Transfer%20fee%20applies.", "quote": "0% p.a. on Balance Transfers for 18 months. 3% Balance Transfer fee applies." } ] }, { "rank": 46, "brand": "ZipMoney Payments Pty Ltd", "brand_label": "Zip", "brand_slug": "zip", "legal_entity_abn": "58164440993", "product_id": "zip-plus", "product_name": "Zip Plus", "product_label": "Zip Plus", "product_slug": "zip-plus", "page": "/au/finance/credit-cards/cards/zip/zip-plus/", "product_url": "https://zip.co/au/zip-plus", "terms_url": null, "fees_url": "https://zip.co/au/zip-plus", "card_type": "credit", "scheme": "visa", "tier": null, "segments": [ "personal" ], "segment": "personal", "purchase_rate_pct": 13.7, "purchase_rate_range_pct": null, "no_interest_card": null, "cash_advance_rate_pct": null, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 0, "annual_fee": 119.4, "fee_period": "monthly", "fee_as_stated": 9.95, "annual_fee_stated": true, "annual_fee_note": "the Monthly Account Fee is waived in any month with nothing owing at the end of the month", "fee_offers": [], "first_year_fee_waived": false, "foreign_transaction_fee_pct": 0, "foreign_transaction_fee": null, "cash_advance_fee_pct": null, "cash_advance_fee": null, "late_payment_fee": 15, "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": 2000, "max_credit_limit": 20000, "min_income": null, "min_age": null, "restrictions": [], "conditions": [ "read from the issuer's own page, each figure quoted and re-read daily", "the Monthly Account Fee is waived in any month with nothing owing at the end of the month", "no interest in a month in which the month-end balance is $1,000 or less; the rate applies above that", "a virtual Visa card in the issuer's app, not a physical card", "credit limit $2,000 to $20,000", "A digital line of credit, not a scheme credit card: the Zip Visa Card is a virtual Visa number in the Zip app, usable online and in a phone wallet, with no physical card as standard.", "No interest is charged in a month in which the balance owing at the end of the month is $1,000 or less; above that, interest accrues at the standard rate. There are no interest-free days in the credit card sense.", "The $9.95 monthly account fee is waived in any month with nothing owing at the end of the month; annual_fee is twelve months of it.", "Minimum monthly repayments are a fixed amount set by the credit limit ($120 a month on a $4,000 limit, the page's example).", "no foreign transaction fees", "$300 cashback for a new account approved by 11:59pm AEDT 6 December 2026 with $8,000 spend in the first 3 months", "cashback offer for new Zip customers only" ], "source_kind": "document", "record_stale": false, "source_url": "https://zip.co/au/zip-plus", "source_snapshot": null, "bank_last_updated": "2026-11-12T02:35:39+00:00", "key_facts_sheet_url": null, "document_links_source": null, "document_date": null, "checked": { "at": "2026-11-12T02:35:39+00:00", "quotes": { "purchase_rate": { "status": "found", "url": "https://zip.co/au/zip-plus", "confirmed": "2026-11-12", "cite_url": "https://zip.co/au/zip-plus#:~:text=Standard%20interest%20rate%20is%2013.70%25,as%20at%201%20April%202026.", "document_sha256": "09005fdcdc710326a19c6319b5f681f604f9de74f9bb77feeb4c06b85c9e19ba" }, "interest_threshold": { "status": "found", "url": "https://zip.co/au/zip-plus", "confirmed": "2026-11-12", "cite_url": "https://zip.co/au/zip-plus#:~:text=No%20interest%20will%20be%20charged,month%20is%20%241%2C000%20or%20less.", "document_sha256": "09005fdcdc710326a19c6319b5f681f604f9de74f9bb77feeb4c06b85c9e19ba" }, "annual_fee": { "status": "found", "url": "https://zip.co/au/zip-plus", "confirmed": "2026-11-12", "cite_url": "https://zip.co/au/zip-plus#:~:text=Monthly%20Account%20Fee%20%249.95%2Fmonth%20Waived,end%20of%20each%20calendar%20month.", "document_sha256": "09005fdcdc710326a19c6319b5f681f604f9de74f9bb77feeb4c06b85c9e19ba" }, "late_payment_fee": { "status": "found", "url": "https://zip.co/au/zip-plus", "confirmed": "2026-11-12", "cite_url": "https://zip.co/au/zip-plus#:~:text=If%20the%20minimum%20monthly%20payment,incur%20a%20%2415%20late%20fee.", "document_sha256": "09005fdcdc710326a19c6319b5f681f604f9de74f9bb77feeb4c06b85c9e19ba" }, "credit_limit": { "status": "found", "url": "https://zip.co/au", "confirmed": "2026-11-12", "cite_url": "https://zip.co/au#:~:text=Credit%20%242%2C000%20%2D%20%2420%2C000%20Up%20to%20%2420%2C000", "document_sha256": "2d0a92647069f1a994f067d8b3222808222a655fc03982bcc06c08359fb19cf2" }, "virtual_card": { "status": "found", "url": "https://zip.co/au/zip-plus", "confirmed": "2026-11-12", "cite_url": "https://zip.co/au/zip-plus#:~:text=The%20Zip%20Visa%20Card%20works,don%27t%20see%20Zip%20at%20checkout.", "document_sha256": "09005fdcdc710326a19c6319b5f681f604f9de74f9bb77feeb4c06b85c9e19ba" }, "issuer.issuer": { "status": "found", "url": "https://zip.co/au/zip-plus", "confirmed": "2026-11-12", "cite_url": "https://zip.co/au/zip-plus#:~:text=Credit%20provided%20by%20ZipMoney%20Payments,Australian%20Credit%20Licence%20Number%20441878.", "document_sha256": "09005fdcdc710326a19c6319b5f681f604f9de74f9bb77feeb4c06b85c9e19ba" }, "issuer.foreign_transaction_fee": { "status": "found", "url": "https://zip.co/au/zip-plus", "confirmed": "2026-11-12", "cite_url": "https://zip.co/au/zip-plus#:~:text=Pay%20no%20foreign%20transaction%20fees,when%20buying%20from%20overseas%20websites.", "document_sha256": "09005fdcdc710326a19c6319b5f681f604f9de74f9bb77feeb4c06b85c9e19ba" } } }, "form": "virtual_card", "interest_free_balance_threshold": 1000, "correction": null, "kind": "low_rate", "rate_pct": 13.7, "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", "interest_free_balance_threshold", "annual_fee", "late_payment_fee", "min_credit_limit", "max_credit_limit", "form", "foreign_transaction_fee_pct" ], "confirmed": "2026-11-12", "url": "https://zip.co/au/zip-plus#:~:text=Standard%20interest%20rate%20is%2013.70%25,as%20at%201%20April%202026.", "quote": "Standard interest rate is 13.70% p.a as at 1 April 2026." } ] }, { "rank": 47, "brand": "ANZ", "brand_label": "ANZ", "brand_slug": "anz", "legal_entity_abn": "11005357522", "product_id": "7c74f4ae-4965-08a0-c5c0-7bf2c677269b", "product_name": "ANZ Low Rate", "product_label": "Low Rate", "product_slug": "low-rate", "page": "/au/finance/credit-cards/cards/anz/low-rate/", "product_url": "https://www.anz.com.au/personal/credit-cards/low-interest-rate/low-rate-card?CID=af:obank:cc", "terms_url": "http://www.anz.com/auxiliary/rates-fees-terms/fees-terms-conditions/?CID=af:obank:cc", "fees_url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/credit-card-fees-charges.pdf", "card_type": "credit", "scheme": "visa", "tier": null, "segments": [ "personal" ], "segment": "personal", "purchase_rate_pct": 13.74, "purchase_rate_range_pct": null, "no_interest_card": null, "cash_advance_rate_pct": 23.49, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 55, "annual_fee": 58.0, "fee_period": "annual", "fee_as_stated": 58.0, "annual_fee_stated": true, "annual_fee_note": null, "fee_offers": [], "first_year_fee_waived": false, "foreign_transaction_fee_pct": null, "foreign_transaction_fee": null, "cash_advance_fee_pct": 3.5, "cash_advance_fee": null, "late_payment_fee": 20.0, "additional_cardholder_fee": null, "balance_transfer": { "promo_rate_pct": 0.0, "promo_months": 26, "fee_pct": 3.0, "revert_rate_pct": 23.49, "revert_to": "balance_transfer", "for_new_cards": null, "for_existing_customers": null, "ongoing_rate_pct": 23.49, "offers": [ { "rate_pct": 0.0, "months": 18, "fee_pct": 3.0, "for_new_cards": null, "for_existing_customers": true, "text": "Balance Transfer rate for an 18-month promotional period on transfers from non-ANZ store or credit cards to your existing ANZ credit card with a 3% Balance Transfer Fee Offer applies to any existing ANZ credit card Simple transfer form, using promo code: BT200 Reverts to the standard balance transf…" }, { "rate_pct": 0.0, "months": 26, "fee_pct": 3.0, "for_new_cards": null, "for_existing_customers": null, "text": "Balance Transfer rate for a 26-month promotional period on transfers from non-ANZ store or credit cards to a new ANZ Low Rate credit card $0 annual fee in the first year 3% balance transfer fee Simple online application process 26-month promotional period starts when we issue a Letter of Offer, not…" } ] }, "rewards_program": null, "rewards_programs": [], "rewards_program_fee": null, "bonus_offer": null, "cashback_offer": 400.0, "insurances": [], "digital_wallets": [ "Apple Pay", "Google Pay", "Samsung Pay", "Fitbit Pay", "Garmin Pay" ], "instalment_plan": true, "additional_cards": 3, "min_credit_limit": 1000.0, "max_credit_limit": null, "min_income": null, "min_age": 18, "restrictions": [], "conditions": [ "0.00% on balance transfers for 26 months, 3% transfer fee, then 23.49% (the balance transfer rate)", "balance transfers from non-ANZ cards only, requested when you apply", "for new cards only", "3.5% overseas transaction fee", "cash advance fee 3.5%, minimum $4, maximum $50", "Australian or New Zealand citizen, permanent resident, or more than 12 months left on a visa", "no annual fee in the first year with the balance transfer offer; $58 after", "26-month promotional period starts when the letter of offer is issued, not when the transfer is processed" ], "source_kind": "feed", "record_stale": false, "source_url": "https://api.anz/cds-au/v1/banking/products/7c74f4ae-4965-08a0-c5c0-7bf2c677269b", "source_snapshot": "/au/finance/credit-cards/v1/source/anz/7c74f4ae-4965-08a0-c5c0-7bf2c677269b.json", "bank_last_updated": "2026-10-27T22:00:00.000Z", "key_facts_sheet_url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-credit-cards-key-facts-sheet.pdf", "document_links_source": { "fees_url": "found by hand 2026-11-01: fees and charges", "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": 13.74, "bt_promo_rate_pct": 0.0, "bt_promo_months": 26, "bt_fee_pct": 3.0, "bt_revert_rate_pct": 23.49, "from_issuer_page": null }, { "rank": 48, "brand": "BankVic", "brand_label": "BankVic", "brand_slug": "bankvic", "legal_entity_abn": "33087651661", "product_id": "S15_VISA_CLASSIC_CREDIT_CA", "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/bankvic/low-rate-visa-credit-card/", "product_url": "https://www.bankvic.com.au/banking/?filter=Credit-Card", "terms_url": "https://cdn.intelligencebank.com/au/share/NZw2/RVzr/yzJw/original/BankVic+Terms+%2526+Conditions", "fees_url": "https://cdn.intelligencebank.com/au/share/NZw2/RVzr/dwqA/original/Fees+and+Charges", "card_type": "credit", "scheme": "visa", "tier": null, "segments": [ "personal" ], "segment": "personal", "purchase_rate_pct": 13.95, "purchase_rate_range_pct": null, "no_interest_card": null, "cash_advance_rate_pct": 13.95, "intro_purchase_rate_pct": 8.99, "intro_purchase_months": 6, "interest_free_days": 44, "annual_fee": null, "fee_period": null, "fee_as_stated": null, "annual_fee_stated": false, "annual_fee_note": "the feed lists no annual or monthly card fee, so none is claimed", "fee_offers": [], "first_year_fee_waived": false, "foreign_transaction_fee_pct": null, "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": 13.95, "revert_to": "purchase", "promo_rate_pct": 8.99, "promo_months": 6 }, "rewards_program": null, "rewards_programs": [], "rewards_program_fee": null, "bonus_offer": null, "cashback_offer": null, "insurances": [], "digital_wallets": [ "Apple Pay", "Google Pay", "Fitbit Pay", "Garmin Pay", "Samsung Pay" ], "instalment_plan": false, "additional_cards": null, "min_credit_limit": 1000.0, "max_credit_limit": 10000.0, "min_income": null, "min_age": 18, "restrictions": [], "conditions": [ "corrected from the bank's own page: 8.99% for the first six months on purchases, per the bank's Key Facts Sheet (correct as at August 2026: \"Promotional Introductory rate of 8.99% p.a. for the first six months\"); the feed says 4.96%; and 8.99% on balance transfers for six months when requested at card application, then the regular purchase rate (13.95%), which its feed carries no offer for", "credit limit $1,000 to $10,000", "BankVic member", "8.99% on balance transfers for 6 months if requested when applying, then the purchase rate" ], "source_kind": "feed", "record_stale": false, "source_url": "https://ib.bankvic.com.au/openbanking/cds-au/v1/banking/products/S15_VISA_CLASSIC_CREDIT_CA", "source_snapshot": "/au/finance/credit-cards/v1/source/bankvic/S15_VISA_CLASSIC_CREDIT_CA.json", "bank_last_updated": "2025-11-21T14:27:08.000+11:00", "key_facts_sheet_url": "https://www.bankvic.com.au/documents/af6b7de938654201bad8b7d7c1596017.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": { "checked": "2026-11-05", "note": "8.99% for the first six months on purchases, per the bank's Key Facts Sheet (correct as at August 2026: \"Promotional Introductory rate of 8.99% p.a. for the first six months\"); the feed says 4.96%; and 8.99% on balance transfers for six months when requested at card application, then the regular purchase rate (13.95%), which its feed carries no offer for", "fields": [ "intro_purchase_months", "intro_purchase_rate_pct", "balance_transfer", "conditions" ], "quotes": { "intro": { "text": "Promotional Introductory rate of 8.99% p.a. for the first six months", "url": "https://www.bankvic.com.au/documents/af6b7de938654201bad8b7d7c1596017.pdf", "citation": { "quote": "Promotional Introductory rate of 8.99% p.a. for the first six months", "url": "https://www.bankvic.com.au/documents/af6b7de938654201bad8b7d7c1596017.pdf#page=1", "page": 1, "document_sha256": "c64f68391664d65ce972a755a88a40e60f527b89f15b978b5aac79ef2680635a", "confirmed": "2026-11-12" } }, "balance_transfer": { "text": "8.99% p.a. for six months on Balance Transfers when requested at card application.", "url": "https://www.bankvic.com.au/documents/af6b7de938654201bad8b7d7c1596017.pdf", "citation": { "quote": "8.99% p.a. for six months on Balance Transfers when requested at card application.", "url": "https://www.bankvic.com.au/documents/af6b7de938654201bad8b7d7c1596017.pdf#page=1", "page": 1, "document_sha256": "c64f68391664d65ce972a755a88a40e60f527b89f15b978b5aac79ef2680635a", "confirmed": "2026-11-12" } }, "balance_transfer_revert": { "text": "Regular purchase interest rate applies after the promotional period.", "url": "https://www.bankvic.com.au/documents/af6b7de938654201bad8b7d7c1596017.pdf", "citation": { "quote": "Regular purchase interest rate applies after the promotional period.", "url": "https://www.bankvic.com.au/documents/af6b7de938654201bad8b7d7c1596017.pdf#page=1", "page": 1, "document_sha256": "c64f68391664d65ce972a755a88a40e60f527b89f15b978b5aac79ef2680635a", "confirmed": "2026-11-12" } } }, "verified": { "intro": "found", "balance_transfer": "found", "balance_transfer_revert": "found" } }, "kind": "low_rate", "rate_pct": 13.95, "bt_promo_rate_pct": 8.99, "bt_promo_months": 6, "bt_fee_pct": null, "bt_revert_rate_pct": 13.95, "from_issuer_page": [ { "source": "correction", "fields": [ "intro_purchase_rate_pct", "intro_purchase_months", "bt_promo_rate_pct", "bt_promo_months", "bt_revert_rate_pct" ], "confirmed": "2026-11-12", "url": "https://www.bankvic.com.au/documents/af6b7de938654201bad8b7d7c1596017.pdf#page=1", "quote": "Promotional Introductory rate of 8.99% p.a. for the first six months" } ] }, { "rank": 49, "brand": "Bank of Queensland Limited", "brand_label": "BOQ", "brand_slug": "bank-of-queensland-limited", "legal_entity_abn": "32009656740", "product_id": "9af3781e-102c-ee11-9966-002248e1d7d5", "product_name": "BOQ 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/bank-of-queensland-limited/low-rate-visa-credit-card/", "product_url": "https://www.boq.com.au/personal/credit-cards/low-rate-credit-card", "terms_url": "https://www.boq.com.au/personal/help-and-support/forms-and-important-information/terms-and-conditions/", "fees_url": "https://www.boq.com.au/personal/help-and-support/rates-and-fees/credit-cards", "card_type": "credit", "scheme": "visa", "tier": null, "segments": [ "personal" ], "segment": "personal", "purchase_rate_pct": 13.99, "purchase_rate_range_pct": null, "no_interest_card": null, "cash_advance_rate_pct": 21.99, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 55, "annual_fee": 65.0, "fee_period": "annual", "fee_as_stated": 65.0, "annual_fee_stated": true, "annual_fee_note": null, "fee_offers": [], "first_year_fee_waived": false, "foreign_transaction_fee_pct": null, "foreign_transaction_fee": null, "cash_advance_fee_pct": 3.5, "cash_advance_fee": 3.5, "late_payment_fee": 30.0, "additional_cardholder_fee": null, "balance_transfer": { "promo_rate_pct": 0.0, "promo_months": 24, "fee_pct": 3.0, "revert_rate_pct": 21.99, "revert_to": "cash_advance", "for_new_cards": null, "for_existing_customers": null, "ongoing_rate_pct": 21.99, "offers": [ { "rate_pct": 0.0, "months": 24, "fee_pct": 3.0, "for_new_cards": null, "for_existing_customers": null, "text": "0% p.a. for 24 months on balance transfers from approval. 3% balance transfer fee applies. Reverts to the cash advance rate." } ] }, "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": 2000.0, "max_credit_limit": 30000.0, "min_income": 25000.0, "min_age": 18, "restrictions": [], "conditions": [ "0.00% on balance transfers for 24 months, 3% transfer fee, then 21.99% (the cash advance rate)", "credit limit $2,000 to $30,000", "minimum income $25,000 a year", "Have a good credit rating", "cash advance outside Australia 1.5% (min $4, max $30) on top of the international fee", "$2 a month paper statement fee", "annual fee for each additional cardholder, except on Platinum", "3.3% international transaction fee", "permanent Australian resident and Australian tax resident" ], "source_kind": "feed", "record_stale": false, "source_url": "https://api.cds.boq.com.au/cds-au/v1/banking/products/9af3781e-102c-ee11-9966-002248e1d7d5", "source_snapshot": "/au/finance/credit-cards/v1/source/bank-of-queensland-limited/9af3781e-102c-ee11-9966-002248e1d7d5.json", "bank_last_updated": "2026-09-01T01:55:01Z", "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": 13.99, "bt_promo_rate_pct": 0.0, "bt_promo_months": 24, "bt_fee_pct": 3.0, "bt_revert_rate_pct": 21.99, "from_issuer_page": null }, { "rank": 50, "brand": "Bank of Melbourne", "brand_label": "Bank of Melbourne", "brand_slug": "bank-of-melbourne", "legal_entity_abn": "33007457141", "product_id": "BOMCCVertigocard", "product_name": "Vertigo", "product_label": "Vertigo", "product_slug": "vertigo", "page": "/au/finance/credit-cards/cards/bank-of-melbourne/vertigo/", "product_url": "https://www.bankofmelbourne.com.au/personal/credit-cards/low-rate", "terms_url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/personal/credit-cards/bom_credit_card_terms_and_conditions.pdf", "fees_url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/bom-cc-fee-charges.pdf", "card_type": "credit", "scheme": "visa", "tier": null, "segments": [ "personal" ], "segment": "personal", "purchase_rate_pct": 13.99, "purchase_rate_range_pct": null, "no_interest_card": null, "cash_advance_rate_pct": 21.99, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 55, "annual_fee": 84.0, "fee_period": "monthly", "fee_as_stated": 7.0, "annual_fee_stated": true, "annual_fee_note": null, "fee_offers": [ "Existing Reduced First year Monthly Card Fee" ], "first_year_fee_waived": false, "foreign_transaction_fee_pct": 3.0, "foreign_transaction_fee": null, "cash_advance_fee_pct": 3.5, "cash_advance_fee": null, "late_payment_fee": 20.0, "additional_cardholder_fee": null, "balance_transfer": { "promo_rate_pct": 0.0, "promo_months": 20, "fee_pct": 3.0, "revert_rate_pct": 21.99, "revert_to": "cash_advance", "for_new_cards": true, "for_existing_customers": null, "ongoing_rate_pct": null, "offers": [ { "rate_pct": 0.0, "months": 20, "fee_pct": 3.0, "for_new_cards": true, "for_existing_customers": null, "text": "0% p.a. interest on balance transfers for 20 months. 3% balance transfer fee applies. This 0% p.a. offer relates to balance transfers requested at card application. The variable cash advance rate will apply after the promotional period. New cards only." } ] }, "rewards_program": null, "rewards_programs": [], "rewards_program_fee": null, "bonus_offer": null, "cashback_offer": 450.0, "insurances": [], "digital_wallets": [ "Apple Pay", "Google Pay", "Samsung Pay" ], "instalment_plan": false, "additional_cards": 1, "min_credit_limit": 500.0, "max_credit_limit": 80000.0, "min_income": null, "min_age": 18, "restrictions": [], "conditions": [ "0.00% on balance transfers for 20 months, 3% transfer fee, then 21.99% (the cash advance rate); new cards", "the first-year fee waiver in the feed is for the bank's existing customers only", "credit limit $500 to $80,000", "Have a regular, verifiable Australian taxable income for at least 3 months (18 months for self employed)", "You're up-to-date with your regular repayments (rent or home loan, phone, other credit cards and loans etc.)", "Have a fixed residential address in Australia", "$450 cashback not for anyone who has held a Bank of Melbourne, St.George or BankSA credit card in the last 24 months", "from 30 November 2026 the purchase rate rises to 14.99% and the cash advance rate to 24.24%, and the minimum payment becomes 2.5% or $25", "balance transfer minimum $200, up to 80% of the approved limit, from up to 3 non-group cards; the other card's issuer must accept BPAY" ], "source_kind": "feed", "record_stale": false, "source_url": "https://digital-api.bankofmelbourne.com.au/cds-au/v1/banking/products/BOMCCVertigocard", "source_snapshot": "/au/finance/credit-cards/v1/source/bank-of-melbourne/BOMCCVertigocard.json", "bank_last_updated": "2026-11-05T02:44:44Z", "key_facts_sheet_url": "https://www.bankofmelbourne.com.au/personal/credit-cards/tools/credit-card-key-facts-sheet", "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": 13.99, "bt_promo_rate_pct": 0.0, "bt_promo_months": 20, "bt_fee_pct": 3.0, "bt_revert_rate_pct": 21.99, "from_issuer_page": null }, { "rank": 51, "brand": "BankSA", "brand_label": "BankSA", "brand_slug": "banksa", "legal_entity_abn": "33007457141", "product_id": "BSACCVertigocard", "product_name": "Vertigo", "product_label": "Vertigo", "product_slug": "vertigo", "page": "/au/finance/credit-cards/cards/banksa/vertigo/", "product_url": "https://www.banksa.com.au/personal/credit-cards/low-rate", "terms_url": "https://www.banksa.com.au/content/dam/bsa/downloads/personal/credit-cards/bsa_credit_card_terms_and_conditions.pdf", "fees_url": "https://www.banksa.com.au/content/dam/bsa/downloads/accounts_and_cards/bsa-cc-fee-charges.pdf", "card_type": "credit", "scheme": "visa", "tier": null, "segments": [ "personal" ], "segment": "personal", "purchase_rate_pct": 13.99, "purchase_rate_range_pct": null, "no_interest_card": null, "cash_advance_rate_pct": 21.99, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 55, "annual_fee": 84.0, "fee_period": "monthly", "fee_as_stated": 7.0, "annual_fee_stated": true, "annual_fee_note": null, "fee_offers": [ "Existing Reduced First year Monthly Card Fee" ], "first_year_fee_waived": false, "foreign_transaction_fee_pct": 3.0, "foreign_transaction_fee": null, "cash_advance_fee_pct": 3.5, "cash_advance_fee": null, "late_payment_fee": 20.0, "additional_cardholder_fee": null, "balance_transfer": { "promo_rate_pct": 0.0, "promo_months": 20, "fee_pct": 3.0, "revert_rate_pct": 21.99, "revert_to": "cash_advance", "for_new_cards": true, "for_existing_customers": null, "ongoing_rate_pct": null, "offers": [ { "rate_pct": 0.0, "months": 20, "fee_pct": 3.0, "for_new_cards": true, "for_existing_customers": null, "text": "0% p.a. interest on balance transfers for 20 months. 3% balance transfer fee applies. This 0% p.a. offer relates to balance transfers requested at card application. The variable cash advance rate will apply after the promotional period. New cards only." } ] }, "rewards_program": null, "rewards_programs": [], "rewards_program_fee": null, "bonus_offer": null, "cashback_offer": 450.0, "insurances": [], "digital_wallets": [ "Apple Pay", "Google Pay", "Samsung Pay" ], "instalment_plan": false, "additional_cards": 1, "min_credit_limit": 500.0, "max_credit_limit": 80000.0, "min_income": null, "min_age": 18, "restrictions": [], "conditions": [ "0.00% on balance transfers for 20 months, 3% transfer fee, then 21.99% (the cash advance rate); new cards", "the first-year fee waiver in the feed is for the bank's existing customers only", "credit limit $500 to $80,000", "Have a regular, verifiable Australian taxable income for at least 3 months (18 months for self employed)", "You're up-to-date with your regular repayments (rent or home loan, phone, other credit cards and loans etc.)", "Have a fixed residential address in Australia", "offers not available if you held a BankSA, St.George or Bank of Melbourne credit card in the last 24 months", "switches, upgrades and Westpac Group staff are not eligible for the promotion", "with the cashback offer, 6.99% on balance transfers for 12 months instead" ], "source_kind": "feed", "record_stale": false, "source_url": "https://digital-api.banksa.com.au/cds-au/v1/banking/products/BSACCVertigocard", "source_snapshot": "/au/finance/credit-cards/v1/source/banksa/BSACCVertigocard.json", "bank_last_updated": "2026-11-05T02:44:45Z", "key_facts_sheet_url": "https://www.banksa.com.au/personal/credit-cards/tools/credit-card-key-facts-sheet", "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": 13.99, "bt_promo_rate_pct": 0.0, "bt_promo_months": 20, "bt_fee_pct": 3.0, "bt_revert_rate_pct": 21.99, "from_issuer_page": null }, { "rank": 52, "brand": "St.George Bank", "brand_label": "St.George Bank", "brand_slug": "st-george-bank", "legal_entity_abn": "33007457141", "product_id": "STGCCVertigoRainbowcard", "product_name": "Rainbow Vertigo Card", "product_label": "Rainbow Vertigo Card", "product_slug": "rainbow-vertigo-card", "page": "/au/finance/credit-cards/cards/st-george-bank/rainbow-vertigo-card/", "product_url": "https://www.stgeorge.com.au/personal/credit-cards/low-rate/vertigo-rainbow-card", "terms_url": "https://www.stgeorge.com.au/content/dam/stg/downloads/personal/credit-cards/stg_credit_card_terms_and_conditions.pdf", "fees_url": "https://www.stgeorge.com.au/content/dam/stg/downloads/accounts_and_cards/stg-cc-fee-charges.pdf", "card_type": "credit", "scheme": "visa", "tier": null, "segments": [ "personal" ], "segment": "personal", "purchase_rate_pct": 13.99, "purchase_rate_range_pct": null, "no_interest_card": null, "cash_advance_rate_pct": 21.99, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 55, "annual_fee": 84.0, "fee_period": "monthly", "fee_as_stated": 7.0, "annual_fee_stated": true, "annual_fee_note": null, "fee_offers": [ "Existing Reduced First year Monthly Card Fee" ], "first_year_fee_waived": false, "foreign_transaction_fee_pct": 3.0, "foreign_transaction_fee": null, "cash_advance_fee_pct": 3.5, "cash_advance_fee": null, "late_payment_fee": 20.0, "additional_cardholder_fee": null, "balance_transfer": { "promo_rate_pct": 0.0, "promo_months": 20, "fee_pct": 3.0, "revert_rate_pct": 21.99, "revert_to": "cash_advance", "for_new_cards": true, "for_existing_customers": null, "ongoing_rate_pct": null, "offers": [ { "rate_pct": 0.0, "months": 20, "fee_pct": 3.0, "for_new_cards": true, "for_existing_customers": null, "text": "0% p.a. interest on balance transfers for 20 months. 3% balance transfer fee applies. This 0% p.a. offer relates to balance transfers requested at card application. The variable cash advance rate will apply after the promotional period. Offer commenced 28 May 2026 transfer up to three non St.George…" } ] }, "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": 1, "min_credit_limit": 500.0, "max_credit_limit": 80000.0, "min_income": null, "min_age": 18, "restrictions": [], "conditions": [ "0.00% on balance transfers for 20 months, 3% transfer fee, then 21.99% (the cash advance rate); new cards", "the first-year fee waiver in the feed is for the bank's existing customers only", "credit limit $500 to $80,000", "Have a regular, verifiable Australian taxable income for at least 3 months (18 months for self employed)", "You're up-to-date with your regular repayments (rent or home loan, phone, other credit cards and loans etc.)", "Have a fixed residential address in Australia", "balance transfer minimum $200, up to 80% of the approved limit, from up to 3 non-group cards; the other card's issuer must accept BPAY", "from 30 November 2026 the purchase rate rises to 14.99% and the cash advance rate to 24.24%, and the minimum payment becomes 2.5% or $25 (the bank's changes page names Vertigo; this card is \"the same Vertigo everyday card\" in a rainbow design)" ], "source_kind": "feed", "record_stale": false, "source_url": "https://digital-api.stgeorge.com.au/cds-au/v1/banking/products/STGCCVertigoRainbowcard", "source_snapshot": "/au/finance/credit-cards/v1/source/st-george-bank/STGCCVertigoRainbowcard.json", "bank_last_updated": "2026-10-29T01:03:01Z", "key_facts_sheet_url": "https://www.stgeorge.com.au/personal/credit-cards/tools/credit-card-key-facts-sheet", "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": 13.99, "bt_promo_rate_pct": 0.0, "bt_promo_months": 20, "bt_fee_pct": 3.0, "bt_revert_rate_pct": 21.99, "from_issuer_page": null }, { "rank": 53, "brand": "NATIONAL AUSTRALIA BANK", "brand_label": "NAB", "brand_slug": "national-australia-bank", "legal_entity_abn": "12004044937", "product_id": "0c2ca397-dc24-4eb0-8fb9-e098c582ebd5", "product_name": "NAB Low Rate Card", "product_label": "Low Rate Card", "product_slug": "low-rate-card", "page": "/au/finance/credit-cards/cards/national-australia-bank/low-rate-card/", "product_url": "https://www.nab.com.au/personal/credit-cards/low-rate/nab-low-rate-card", "terms_url": "https://www.nab.com.au/personal/credit-cards/terms-conditions/digital", "fees_url": "https://www.nab.com.au/personal/credit-cards/fees-charges", "card_type": "credit", "scheme": "visa", "tier": null, "segments": [ "personal" ], "segment": "personal", "purchase_rate_pct": 13.99, "purchase_rate_range_pct": null, "no_interest_card": null, "cash_advance_rate_pct": 22.99, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 55, "annual_fee": 99.0, "fee_period": "annual", "fee_as_stated": 99.0, "annual_fee_stated": true, "annual_fee_note": null, "fee_offers": [ "Reduced Annual Fee in First Year", "NAB Portfolio Facility - no annual fee", "NAB Private Portfolio Package - no annual fee", "NAB Private Tailored Package - no annual fee" ], "first_year_fee_waived": false, "foreign_transaction_fee_pct": 3.5, "foreign_transaction_fee": null, "cash_advance_fee_pct": null, "cash_advance_fee": null, "late_payment_fee": null, "additional_cardholder_fee": null, "balance_transfer": { "promo_rate_pct": 0.0, "promo_months": 26, "fee_pct": 3.0, "revert_rate_pct": 22.99, "revert_to": "balance_transfer", "for_new_cards": null, "for_existing_customers": null, "ongoing_rate_pct": 22.99, "offers": [ { "rate_pct": 0.0, "months": 24, "fee_pct": 3.0, "for_new_cards": null, "for_existing_customers": null, "text": "0% p.a. balance transfer (BT) for 24 months with 3% BT fee. NAB may offer different introductory rates at its discretion, including for promotional purposes." } ] }, "rewards_program": null, "rewards_programs": [], "rewards_program_fee": null, "bonus_offer": null, "cashback_offer": 400.0, "insurances": [], "digital_wallets": [ "Apple Pay", "Google Pay", "Samsung Pay", "Garmin Pay" ], "instalment_plan": false, "additional_cards": 1, "min_credit_limit": 1000.0, "max_credit_limit": null, "min_income": null, "min_age": 18, "restrictions": [], "conditions": [ "corrected from the bank's own page: the bank's page offers 0% on balance transfers for 26 months with a 3% fee; its feed record still says 24", "0.00% on balance transfers for 26 months, 3% transfer fee, then 22.99% (the balance transfer rate)", "Lending criteria apply", "no card fee in the first year for existing NAB customers only; $99 otherwise", "balance transfer offer for new cards only", "late payment fee $20 a month when $50 or more is overdue", "cash advance fee 3.5%, minimum $3.50", "Australian residents for tax purposes with a regular income; visitor, working holiday, student, bridging and short-stay visas not accepted", "sign-up offers not available when closing or switching from another NAB credit card" ], "source_kind": "feed", "record_stale": false, "source_url": "https://openbank.api.nab.com.au/cds-au/v1/banking/products/0c2ca397-dc24-4eb0-8fb9-e098c582ebd5", "source_snapshot": "/au/finance/credit-cards/v1/source/national-australia-bank/0c2ca397-dc24-4eb0-8fb9-e098c582ebd5.json", "bank_last_updated": "2026-10-01T13:59:59Z", "key_facts_sheet_url": "https://www.nab.com.au/content/dam/nabrwd/documents/guides/banking/key-facts-credit-cards.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": "2026-10-24", "note": "the bank's page offers 0% on balance transfers for 26 months with a 3% fee; its feed record still says 24", "fields": [ "balance_transfer" ], "quotes": { "balance_transfer": { "text": "0% p.a. on balance transfers (BT) for 26 months with a 3% BT fee", "url": "https://www.nab.com.au/personal/credit-cards/low-rate/nab-low-rate-card", "citation": { "quote": "0% p.a. on balance transfers (BT) for 26 months with a 3% BT fee", "url": "https://www.nab.com.au/personal/credit-cards/low-rate/nab-low-rate-card#:~:text=0%25%20p.a.%20on%20balance%20transfers,with%20a%203%25%20BT%20fee", "document_sha256": "42b5c970e059db2660a795b94ca614d9b98a5e31f273e51ce6bd341bad042759", "confirmed": "2026-11-12" } } }, "verified": { "balance_transfer": "found" } }, "kind": "low_rate", "rate_pct": 13.99, "bt_promo_rate_pct": 0.0, "bt_promo_months": 26, "bt_fee_pct": 3.0, "bt_revert_rate_pct": 22.99, "from_issuer_page": [ { "source": "correction", "fields": [ "bt_promo_months" ], "confirmed": "2026-11-12", "url": "https://www.nab.com.au/personal/credit-cards/low-rate/nab-low-rate-card#:~:text=0%25%20p.a.%20on%20balance%20transfers,with%20a%203%25%20BT%20fee", "quote": "0% p.a. on balance transfers (BT) for 26 months with a 3% BT fee" }, { "source": "watched_term", "fields": [ "first_year_fee_waived" ], "confirmed": "2026-11-12", "url": "https://www.nab.com.au/personal/credit-cards/low-rate/nab-low-rate-card#:~:text=Existing%20NAB%20customers%20enjoy%20no,p.a.%20from%20the%20second%20year.", "quote": "Existing NAB customers enjoy no annual fee for the first year, reverting to $99 p.a. from the second year." } ] }, { "rank": 54, "brand": "Northern Inland Credit Union Limited", "brand_label": "Northern Inland Credit Union", "brand_slug": "northern-inland-credit-union-limited", "legal_entity_abn": "36087650422", "product_id": "NICUS55", "product_name": "Classic Credit Card", "product_label": "Classic Credit Card", "product_slug": "classic-credit-card", "page": "/au/finance/credit-cards/cards/northern-inland-credit-union-limited/classic-credit-card/", "product_url": "https://nicu.com.au/banking/cards/visa-classic-credit-card", "terms_url": "https://www.nicu.com.au/banking/cards/visa-classic-credit-card", "fees_url": "https://www.nicu.com.au/ArticleDocuments/298/NICU_Fees_Charges.pdf.aspx", "card_type": "credit", "scheme": null, "tier": null, "segments": [ "personal" ], "segment": "personal", "purchase_rate_pct": 14.0, "purchase_rate_range_pct": null, "no_interest_card": null, "cash_advance_rate_pct": 14.0, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": null, "annual_fee": 40.0, "fee_period": "annual", "fee_as_stated": 40.0, "annual_fee_stated": true, "annual_fee_note": null, "fee_offers": [], "first_year_fee_waived": false, "foreign_transaction_fee_pct": null, "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" ], "instalment_plan": false, "additional_cards": null, "min_credit_limit": null, "max_credit_limit": null, "min_income": null, "min_age": null, "restrictions": [], "conditions": [ "not updated by the bank since 2026-01-21; check its page, as the rate or fee may have changed", "Credit criteria and eligibility applies to all applicants. Terms and Conditions are available on application." ], "source_kind": "feed", "record_stale": true, "source_url": "https://secure.nicu.com.au/OpenBanking/cds-au/v1/banking/products/NICUS55", "source_snapshot": "/au/finance/credit-cards/v1/source/northern-inland-credit-union-limited/NICUS55.json", "bank_last_updated": "2026-01-21T11:16:44.000+11:00", "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": 14.0, "bt_promo_rate_pct": null, "bt_promo_months": null, "bt_fee_pct": null, "bt_revert_rate_pct": null, "from_issuer_page": null }, { "rank": 55, "brand": "Regional Australia Bank", "brand_label": "Regional Australia Bank", "brand_slug": "regional-australia-bank", "legal_entity_abn": "21087650360", "product_id": "8d097100-9251-4174-a9e5-8af00812ca87", "product_name": "Your Choice Visa Credit Card", "product_label": "Your Choice Visa Credit Card", "product_slug": "your-choice-visa-credit-card", "page": "/au/finance/credit-cards/cards/regional-australia-bank/your-choice-visa-credit-card/", "product_url": "https://www.regionalaustraliabank.com.au/personal/products/credit-cards/your-choice-credit-card", "terms_url": "https://www.regionalaustraliabank.com.au/about-us/corporate-documents/product-terms-and-conditions", "fees_url": "https://www.regionalaustraliabank.com.au/personal/products/credit-cards/your-choice-credit-card", "card_type": "credit", "scheme": "visa", "tier": null, "segments": [ "personal" ], "segment": "personal", "purchase_rate_pct": 14.69, "purchase_rate_range_pct": null, "no_interest_card": null, "cash_advance_rate_pct": 14.69, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 55, "annual_fee": 40.0, "fee_period": "annual", "fee_as_stated": 40.0, "annual_fee_stated": true, "annual_fee_note": null, "fee_offers": [ "Partnership Advantage Package" ], "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": 0.0, "balance_transfer": null, "rewards_program": null, "rewards_programs": [], "rewards_program_fee": null, "bonus_offer": null, "cashback_offer": null, "insurances": [], "digital_wallets": [ "Apple Pay", "Samsung Pay", "Google Pay" ], "instalment_plan": false, "additional_cards": null, "min_credit_limit": 500.0, "max_credit_limit": null, "min_income": null, "min_age": 18, "restrictions": [], "conditions": [ "As a customer-owned bank, customers must also become a shareholder of Regional Australia Bank to be eligible to open an account.", "Product is available to approved borrowers only. Terms, conditions, fees, charges and normal lending criteria apply.", "employment status: Borrowers must demonstrate at least 6 months continuing employment history at the time of application: Ongoing Employment" ], "source_kind": "feed", "record_stale": false, "source_url": "https://public-data.cdr.regaustbank.io/cds-au/v1/banking/products/8d097100-9251-4174-a9e5-8af00812ca87", "source_snapshot": "/au/finance/credit-cards/v1/source/regional-australia-bank/8d097100-9251-4174-a9e5-8af00812ca87.json", "bank_last_updated": "2026-06-29T04:05:39.586605Z", "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": 14.69, "bt_promo_rate_pct": null, "bt_promo_months": null, "bt_fee_pct": null, "bt_revert_rate_pct": null, "from_issuer_page": null }, { "rank": 56, "brand": "Queensland Country Bank", "brand_label": "Queensland Country Bank", "brand_slug": "queensland-country-bank", "legal_entity_abn": "77087651027", "product_id": "13", "product_name": "Visa Credit", "product_label": "Visa Credit", "product_slug": "visa-credit", "page": "/au/finance/credit-cards/cards/queensland-country-bank/visa-credit/", "product_url": "https://www.queenslandcountry.bank/Banking/credit-cards/Visa-My-Rewards-Credit-Card/", "terms_url": "https://www.queenslandcountry.bank/siteassets/documents/brochures/brochure_account-access-facility.pdf", "fees_url": "https://www.queenslandcountry.bank/siteassets/documents/brochures/brochure_fees-charges.pdf", "card_type": "credit", "scheme": "visa", "tier": null, "segments": [ "personal" ], "segment": "personal", "purchase_rate_pct": 14.99, "purchase_rate_range_pct": null, "no_interest_card": null, "cash_advance_rate_pct": 14.99, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 55, "annual_fee": 39.0, "fee_period": "annual", "fee_as_stated": 39.0, "annual_fee_stated": 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"terms_url": "https://mycard.com.au/help-and-support/important-information/terms-and-conditions", "fees_url": "https://mycard.com.au/help-and-support/important-information/fees-and-charges-credit-cards", "card_type": "credit", "scheme": "mastercard", "tier": null, "segments": [ "personal" ], "segment": "personal", "purchase_rate_pct": 14.99, "purchase_rate_range_pct": null, "no_interest_card": null, "cash_advance_rate_pct": 22.24, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 44, "annual_fee": 149.0, "fee_period": "annual", "fee_as_stated": 149.0, "annual_fee_stated": true, "annual_fee_note": null, "fee_offers": [], "first_year_fee_waived": false, "foreign_transaction_fee_pct": 3.5, "foreign_transaction_fee": null, "cash_advance_fee_pct": 3.5, "cash_advance_fee": null, "late_payment_fee": 30.0, "additional_cardholder_fee": 0.0, "balance_transfer": { "offers": [], "for_new_cards": null, "for_existing_customers": null, "ongoing_rate_pct": null, 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transfers for 24 months, 3% transfer fee, then the cash advance rate" ], "source_kind": "feed", "record_stale": false, "source_url": "https://api-openbanking.secure.mycard.com.au/cds-au/v1/banking/products/bbf2b66e-203b-45a9-b40b-520e3ff4d2e4", "source_snapshot": "/au/finance/credit-cards/v1/source/mycard/bbf2b66e-203b-45a9-b40b-520e3ff4d2e4.json", "bank_last_updated": "2026-11-02T00:00:00Z", "key_facts_sheet_url": null, "document_links_source": null, "document_date": null, "checked": null, "form": null, "interest_free_balance_threshold": null, "correction": { "checked": "2026-11-07", "note": "the issuer's page offers 0% on balance transfers for 24 months with a 3% fee, reverting to the cash advance rate; its feed carries no offer", "fields": [ "balance_transfer" ], "quotes": { "balance_transfer": { "text": "Get 0% p.a. for 24 months on balance transfers.", "url": "https://www.mycard.com.au/credit-cards/clear-card", "citation": { "quote": "Get 0% p.a. for 24 months on balance transfers.", "url": "https://www.mycard.com.au/credit-cards/clear-card#:~:text=Get%200%25%20p.a.%20for%2024%20months%20on%20balance%20transfers.", "document_sha256": "e1e98c64ac0d69b1521a0d709120cae1bf8e2bd286983c56b895add635a77d82", "confirmed": "2026-11-12" } }, "fee": { "text": "3% balance transfer fee applies. Balance transfer rate reverts to cash advance rate after the promotional period.", "url": "https://www.mycard.com.au/credit-cards/clear-card", "citation": { "quote": "3% balance transfer fee applies. 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Reverts to Cash Advance rate after 24 months.", "url": "https://www.qantasmoney.com/credit-cards/everyday", "citation": { "quote": "0% p.a. for 24 months, with a 3% Balance Transfer fee. 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its feed carries no offer", "fields": [ "balance_transfer" ], "quotes": { "balance_transfer": { "text": "0% p.a. on Balance Transfers for 6 Months", "url": "https://www.koganmoney.com.au/credit-cards/kogan-money-black-card/", "citation": { "quote": "0% p.a. on Balance Transfers for 6 Months", "url": "https://www.koganmoney.com.au/credit-cards/kogan-money-black-card/#:~:text=0%25%20p.a.%20on%20Balance%20Transfers%20for%206%20Months", "document_sha256": "8e327ee354f689442919be72b1c5a26366e17f69fa64a47132a6de75918c7691", "confirmed": "2026-11-12" } } }, "verified": { "balance_transfer": "found" } }, "kind": "low_rate", "rate_pct": 21.99, "bt_promo_rate_pct": 0.0, "bt_promo_months": 6, "bt_fee_pct": 0.0, "bt_revert_rate_pct": 22.74, "from_issuer_page": [ { "source": "correction", "fields": [ "bt_promo_rate_pct", "bt_promo_months", "bt_fee_pct", "bt_revert_rate_pct" ], "confirmed": "2026-11-12", "url": "https://www.koganmoney.com.au/credit-cards/kogan-money-black-card/#:~:text=0%25%20p.a.%20on%20Balance%20Transfers%20for%206%20Months", "quote": "0% p.a. on Balance Transfers for 6 Months" } ] } ] }