{
  "brand": "American Express Australia Limited",
  "brand_label": "American Express",
  "brand_slug": "american-express",
  "legal_entity_abn": "92108952085",
  "public_base_uri": null,
  "logo_uri": null,
  "status": "documents",
  "stale": false,
  "bank_last_updated": "2026-11-12T02:35:39Z",
  "at_a_glance": {
    "note": "This bank's entry per customer segment (personal, business) and ranking kind (low_rate, no_annual_fee, balance_transfer, rewards), one line each: its card in the best/{segment}/{kind}.json slice (student cards, companion cards and occupation-limited lenders left out, as there), so it matches best/ and top/; a bank with no entry there for a segment and kind takes its entry from entries_all. conditions is a key into condition_sets. unranked counts the cards no slice ranks, by reason. Every card follows in products and rows.",
    "rates": [
      {"segment":"personal","kind":"low_rate","rank":13,"of":52,"product_label":"Low Rate Credit Card","card_type":"credit","purchase_rate_pct":10.99,"annual_fee":0,"fee_period":"annual","annual_fee_stated":true,"interest_free_days":55,"min_credit_limit":1000,"max_credit_limit":null,"bt_promo_rate_pct":null,"bt_promo_months":null,"bt_fee_pct":null,"bt_revert_rate_pct":null,"rewards_program":null,"conditions":"k1","restrictions":[],"record_stale":false},
      {"segment":"personal","kind":"no_annual_fee","rank":2,"of":10,"product_label":"Low Rate Credit Card","card_type":"credit","purchase_rate_pct":10.99,"annual_fee":0,"fee_period":"annual","annual_fee_stated":true,"interest_free_days":55,"min_credit_limit":1000,"max_credit_limit":null,"bt_promo_rate_pct":null,"bt_promo_months":null,"bt_fee_pct":null,"bt_revert_rate_pct":null,"rewards_program":null,"conditions":"k1","restrictions":[],"record_stale":false},
      {"segment":"personal","kind":"rewards","rank":3,"of":24,"product_label":"Qantas Discovery Card","card_type":"credit","purchase_rate_pct":23.99,"annual_fee":0,"fee_period":"annual","annual_fee_stated":true,"interest_free_days":44,"min_credit_limit":2000,"max_credit_limit":null,"bt_promo_rate_pct":null,"bt_promo_months":null,"bt_fee_pct":null,"bt_revert_rate_pct":null,"rewards_program":"Qantas Frequent Flyer","conditions":"k2","restrictions":[],"record_stale":false}
    ],
    "condition_sets": {
      "k1": [
        "read from the issuer's own page and Key Facts Sheet correct as at 2024-04-30, each figure quoted and re-read daily",
        "cash advances are not offered",
        "for incomes of at least $30,000 a year (its target market)",
        "aged 18 or over; Australian citizen, permanent resident or long-term visa holder"
      ],
      "k2": [
        "read from the issuer's own page and Key Facts Sheet correct as at 2023-05-03, each figure quoted and re-read daily",
        "cash advances are not offered",
        "aged 18 or over; Australian citizen, permanent resident or long-term visa holder"
      ]
    },
    "unranked": {
      "products": 5,
      "charge_card": 5
    }
  },
  "source": "Card issuers with no Consumer Data Right feed, read by hand from their card pages and Key Facts Sheets; every figure is quoted from the sentence it was read from and re-read daily.",
  "licence_note": "This issuer publishes no Consumer Data Right feed. Its rates and fees are read from its own public card pages and Key Facts Sheets and reproduced here as reference data: every figure carries the sentence it was quoted from and the page it came from, each sentence is re-read daily, and a card whose sentence has gone is unranked and marked. Rates, fees and offers change without notice; check the issuer's page before acting. This is not financial advice.",
  "source_kind": "document",
  "why_not_in_the_feeds": "American Express Australia Limited is not on the Consumer Data Right register of data holders, so it publishes no product reference data feed; its Key Facts Sheets and card pages are the public record.",
  "website": "https://www.americanexpress.com/au/",
  "products": [
    {
      "product_id": "amex-essential-rewards",
      "product_name": "The American Express Essential Rewards Credit Card",
      "product_label": "Essential Rewards Credit Card",
      "product_slug": "essential-rewards-credit-card",
      "page": "/au/finance/credit-cards/cards/american-express/essential-rewards-credit-card/",
      "product_url": "https://www.americanexpress.com/au/credit-cards/essential-rewards-credit-card/",
      "terms_url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/Credit_Card_Conditions.pdf",
      "fees_url": "https://www.americanexpress.com/au/credit-cards/about-credit-cards/fees/",
      "eligibility_url": null,
      "card_type": "credit",
      "scheme": "amex",
      "tier": null,
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "description": null,
      "purchase_rate_pct": 23.99,
      "purchase_rate_is_base": null,
      "no_interest_card": null,
      "purchase_rate_range_pct": null,
      "purchase_rate_note": null,
      "cash_advance_rate_pct": null,
      "intro_purchase_rate_pct": null,
      "intro_purchase_months": null,
      "interest_free_days": 55,
      "annual_fee": 108,
      "fee_period": "monthly",
      "fee_as_stated": 9,
      "annual_fee_stated": true,
      "annual_fee_note": null,
      "fee_name": "Annual Fee",
      "fee_offers": [],
      "first_year_fee_waived": false,
      "interest_free_balance_threshold": null,
      "fee_waived_for_group": null,
      "foreign_transaction_fee_pct": 3.5,
      "foreign_transaction_fee": null,
      "cash_advance_fee_pct": null,
      "cash_advance_fee": null,
      "late_payment_fee": 30,
      "additional_cardholder_fee": null,
      "balance_transfer": null,
      "form": null,
      "rewards_program": "Membership Rewards",
      "rewards_programs": [
        "Membership Rewards"
      ],
      "rewards_program_fee": null,
      "bonus_offer": null,
      "cashback_offer": null,
      "insurances": [],
      "digital_wallets": [],
      "instalment_plan": false,
      "additional_cards": null,
      "additional_cards_offered": null,
      "min_credit_limit": 2000,
      "max_credit_limit": null,
      "min_income": null,
      "min_age": null,
      "restrictions": [],
      "conditions": [
        "read from the issuer's own page and Key Facts Sheet correct as at 2024-04-30, each figure quoted and re-read daily",
        "cash advances are not offered",
        "aged 18 or over; Australian citizen, permanent resident or long-term visa holder",
        "bonus earn rates (up to 5 points per $1) apply only to the first 10,000 points a month, then 1 point per $1"
      ],
      "eligibility": [],
      "ranked": true,
      "unranked_reason": null,
      "rankings": [],
      "source_kind": "document",
      "record_stale": false,
      "source_url": "https://www.americanexpress.com/au/credit-cards/essential-rewards-credit-card/",
      "source_snapshot": null,
      "snapshot_at": null,
      "bank_last_updated": "2026-11-12T02:35:39+00:00",
      "key_facts_sheet_url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Prop.pdf",
      "document_date": "2024-04-30",
      "checked": {
        "at": "2026-11-12T02:35:39+00:00",
        "quotes": {
          "annual_fee": {
            "status": "found",
            "url": "https://www.americanexpress.com/au/credit-cards/essential-rewards-credit-card/",
            "confirmed": "2026-11-12",
            "cite_url": "https://www.americanexpress.com/au/credit-cards/essential-rewards-credit-card/#:~:text=Annual%20Fee%20%249%20per%20month%20%28%24108%20per%20year%29",
            "document_sha256": "2109af52cf84fd0bbb6abcc5808252659c7c8c9f6d89c1070977595c70eb2adb"
          },
          "purchase_rate": {
            "status": "found",
            "url": "https://www.americanexpress.com/au/credit-cards/essential-rewards-credit-card/",
            "confirmed": "2026-11-12",
            "cite_url": "https://www.americanexpress.com/au/credit-cards/essential-rewards-credit-card/#:~:text=Interest%20Rate%2023.99%25%20p.a.%20on%20purchases",
            "document_sha256": "2109af52cf84fd0bbb6abcc5808252659c7c8c9f6d89c1070977595c70eb2adb"
          },
          "interest_free_days": {
            "status": "found",
            "url": "https://www.americanexpress.com/au/credit-cards/essential-rewards-credit-card/",
            "confirmed": "2026-11-12",
            "cite_url": "https://www.americanexpress.com/au/credit-cards/essential-rewards-credit-card/#:~:text=Interest%20Free%20Period%20Up%20to%2055%20days",
            "document_sha256": "2109af52cf84fd0bbb6abcc5808252659c7c8c9f6d89c1070977595c70eb2adb"
          },
          "kfs_date": {
            "status": "found",
            "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Prop.pdf",
            "confirmed": "2026-11-12",
            "cite_url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Prop.pdf#page=1",
            "page": 1,
            "document_sha256": "e754f00b49f5e80fe840e7e9734cbbfa06e4df668bcb76d3d9fec56d84b9e8eb"
          },
          "min_credit_limit": {
            "status": "found",
            "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Prop.pdf",
            "confirmed": "2026-11-12",
            "cite_url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Prop.pdf#page=1",
            "page": 1,
            "document_sha256": "e754f00b49f5e80fe840e7e9734cbbfa06e4df668bcb76d3d9fec56d84b9e8eb"
          },
          "late_payment_fee": {
            "status": "found",
            "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Prop.pdf",
            "confirmed": "2026-11-12",
            "cite_url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Prop.pdf#page=1",
            "page": 1,
            "document_sha256": "e754f00b49f5e80fe840e7e9734cbbfa06e4df668bcb76d3d9fec56d84b9e8eb"
          },
          "cash_advance": {
            "status": "found",
            "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Prop.pdf",
            "confirmed": "2026-11-12",
            "cite_url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Prop.pdf#page=1",
            "page": 1,
            "document_sha256": "e754f00b49f5e80fe840e7e9734cbbfa06e4df668bcb76d3d9fec56d84b9e8eb"
          },
          "issuer.foreign_transaction_fee": {
            "status": "found",
            "url": "https://www.americanexpress.com/au/credit-cards/about-credit-cards/fees/",
            "confirmed": "2026-11-12",
            "cite_url": "https://www.americanexpress.com/au/credit-cards/about-credit-cards/fees/#:~:text=Currency%20Conversion%20Fee%20Effective%20from,3.5%25%20of%20the%20converted%20amount",
            "document_sha256": "e8b498ee2e62259b19444a73450d9f4112d286b6bae0798bd6fa020ea6675275"
          },
          "issuer.late_payment_fee_charge_cards": {
            "status": "found",
            "url": "https://www.americanexpress.com/au/credit-cards/about-credit-cards/fees/",
            "confirmed": "2026-11-12",
            "cite_url": "https://www.americanexpress.com/au/credit-cards/about-credit-cards/fees/#:~:text=Late%20Payment%20Fee%20%2430%20Three,charged%20on%20any%20overdue%20amount.",
            "document_sha256": "e8b498ee2e62259b19444a73450d9f4112d286b6bae0798bd6fa020ea6675275"
          }
        }
      },
      "quotes": {
        "annual_fee": {
          "text": "Annual Fee $9 per month ($108 per year)",
          "url": "https://www.americanexpress.com/au/credit-cards/essential-rewards-credit-card/",
          "citation": {
            "quote": "Annual Fee $9 per month ($108 per year)",
            "url": "https://www.americanexpress.com/au/credit-cards/essential-rewards-credit-card/#:~:text=Annual%20Fee%20%249%20per%20month%20%28%24108%20per%20year%29",
            "document_sha256": "2109af52cf84fd0bbb6abcc5808252659c7c8c9f6d89c1070977595c70eb2adb",
            "confirmed": "2026-11-12"
          }
        },
        "purchase_rate": {
          "text": "Interest Rate 23.99% p.a. on purchases",
          "url": "https://www.americanexpress.com/au/credit-cards/essential-rewards-credit-card/",
          "citation": {
            "quote": "Interest Rate 23.99% p.a. on purchases",
            "url": "https://www.americanexpress.com/au/credit-cards/essential-rewards-credit-card/#:~:text=Interest%20Rate%2023.99%25%20p.a.%20on%20purchases",
            "document_sha256": "2109af52cf84fd0bbb6abcc5808252659c7c8c9f6d89c1070977595c70eb2adb",
            "confirmed": "2026-11-12"
          }
        },
        "interest_free_days": {
          "text": "Interest Free Period Up to 55 days",
          "url": "https://www.americanexpress.com/au/credit-cards/essential-rewards-credit-card/",
          "citation": {
            "quote": "Interest Free Period Up to 55 days",
            "url": "https://www.americanexpress.com/au/credit-cards/essential-rewards-credit-card/#:~:text=Interest%20Free%20Period%20Up%20to%2055%20days",
            "document_sha256": "2109af52cf84fd0bbb6abcc5808252659c7c8c9f6d89c1070977595c70eb2adb",
            "confirmed": "2026-11-12"
          }
        },
        "kfs_date": {
          "text": "Correct as at 30 April 2024",
          "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Prop.pdf",
          "citation": {
            "quote": "Correct as at 30 April 2024",
            "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Prop.pdf#page=1",
            "page": 1,
            "document_sha256": "e754f00b49f5e80fe840e7e9734cbbfa06e4df668bcb76d3d9fec56d84b9e8eb",
            "confirmed": "2026-11-12"
          }
        },
        "min_credit_limit": {
          "text": "Minimum credit limit $1,000 $2,000 $3,000 $3,000",
          "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Prop.pdf",
          "citation": {
            "quote": "Minimum credit limit $1,000 $2,000 $3,000 $3,000",
            "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Prop.pdf#page=1",
            "page": 1,
            "document_sha256": "e754f00b49f5e80fe840e7e9734cbbfa06e4df668bcb76d3d9fec56d84b9e8eb",
            "confirmed": "2026-11-12"
          }
        },
        "late_payment_fee": {
          "text": "Late payment fee $30 $30 $30 $30",
          "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Prop.pdf",
          "citation": {
            "quote": "Late payment fee $30 $30 $30 $30",
            "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Prop.pdf#page=1",
            "page": 1,
            "document_sha256": "e754f00b49f5e80fe840e7e9734cbbfa06e4df668bcb76d3d9fec56d84b9e8eb",
            "confirmed": "2026-11-12"
          }
        },
        "cash_advance": {
          "text": "Interest on cash advances Not offered Not offered Not offered Not offered",
          "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Prop.pdf",
          "citation": {
            "quote": "Interest on cash advances Not offered Not offered Not offered Not offered",
            "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Prop.pdf#page=1",
            "page": 1,
            "document_sha256": "e754f00b49f5e80fe840e7e9734cbbfa06e4df668bcb76d3d9fec56d84b9e8eb",
            "confirmed": "2026-11-12"
          }
        }
      },
      "document_links_source": {
        "terms_url": "found by hand 2026-11-01: terms and conditions"
      },
      "from_issuer_page": [
        {
          "source": "issuer_document",
          "fields": [
            "annual_fee",
            "purchase_rate_pct",
            "interest_free_days",
            "document_date",
            "min_credit_limit",
            "late_payment_fee",
            "cash_advance_rate_pct",
            "foreign_transaction_fee_pct"
          ],
          "confirmed": "2026-11-12",
          "url": "https://www.americanexpress.com/au/credit-cards/essential-rewards-credit-card/#:~:text=Interest%20Rate%2023.99%25%20p.a.%20on%20purchases",
          "quote": "Interest Rate 23.99% p.a. on purchases"
        }
      ]
    },
    {
      "product_id": "amex-explorer",
      "product_name": "The American Express Explorer Credit Card",
      "product_label": "Explorer Credit Card",
      "product_slug": "explorer-credit-card",
      "page": "/au/finance/credit-cards/cards/american-express/explorer-credit-card/",
      "product_url": "https://www.americanexpress.com/au/credit-cards/explorer-credit-card/",
      "terms_url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/Credit_Card_Conditions.pdf",
      "fees_url": "https://www.americanexpress.com/au/credit-cards/about-credit-cards/fees/",
      "eligibility_url": null,
      "card_type": "credit",
      "scheme": "amex",
      "tier": null,
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "description": null,
      "purchase_rate_pct": 23.99,
      "purchase_rate_is_base": null,
      "no_interest_card": null,
      "purchase_rate_range_pct": null,
      "purchase_rate_note": null,
      "cash_advance_rate_pct": null,
      "intro_purchase_rate_pct": null,
      "intro_purchase_months": null,
      "interest_free_days": 55,
      "annual_fee": 395,
      "fee_period": "annual",
      "fee_as_stated": 395,
      "annual_fee_stated": true,
      "annual_fee_note": null,
      "fee_name": "Annual Fee",
      "fee_offers": [],
      "first_year_fee_waived": false,
      "interest_free_balance_threshold": null,
      "fee_waived_for_group": null,
      "foreign_transaction_fee_pct": 3.5,
      "foreign_transaction_fee": null,
      "cash_advance_fee_pct": null,
      "cash_advance_fee": null,
      "late_payment_fee": 30,
      "additional_cardholder_fee": null,
      "balance_transfer": null,
      "form": null,
      "rewards_program": "Membership Rewards",
      "rewards_programs": [
        "Membership Rewards"
      ],
      "rewards_program_fee": null,
      "bonus_offer": null,
      "cashback_offer": null,
      "insurances": [],
      "digital_wallets": [],
      "instalment_plan": false,
      "additional_cards": null,
      "additional_cards_offered": null,
      "min_credit_limit": 3000,
      "max_credit_limit": null,
      "min_income": null,
      "min_age": null,
      "restrictions": [],
      "conditions": [
        "read from the issuer's own page and Key Facts Sheet correct as at 2024-04-30, each figure quoted and re-read daily",
        "cash advances are not offered",
        "aged 18 or over; Australian citizen, permanent resident or long-term visa holder",
        "75,000 bonus points for online applications by 27 April 2027 and $4,000 spend in 3 months (plus 25,000 in year two)",
        "sign-up bonus only for new American Express Card Members"
      ],
      "eligibility": [],
      "ranked": true,
      "unranked_reason": null,
      "rankings": [],
      "source_kind": "document",
      "record_stale": false,
      "source_url": "https://www.americanexpress.com/au/credit-cards/explorer-credit-card/",
      "source_snapshot": null,
      "snapshot_at": null,
      "bank_last_updated": "2026-11-12T02:35:39+00:00",
      "key_facts_sheet_url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Prop.pdf",
      "document_date": "2024-04-30",
      "checked": {
        "at": "2026-11-12T02:35:39+00:00",
        "quotes": {
          "annual_fee": {
            "status": "found",
            "url": "https://www.americanexpress.com/au/credit-cards/explorer-credit-card/",
            "confirmed": "2026-11-12",
            "cite_url": "https://www.americanexpress.com/au/credit-cards/explorer-credit-card/#:~:text=Annual%20Fee%20%24395%20p.a.",
            "document_sha256": "b3669e60ab4c91d4d6bc29a581b08bb2ab8141afeb55391a6808c0dfce71b25c"
          },
          "purchase_rate": {
            "status": "found",
            "url": "https://www.americanexpress.com/au/credit-cards/explorer-credit-card/",
            "confirmed": "2026-11-12",
            "cite_url": "https://www.americanexpress.com/au/credit-cards/explorer-credit-card/#:~:text=Interest%20Rate%2023.99%25%20p.a.%20on%20purchases",
            "document_sha256": "b3669e60ab4c91d4d6bc29a581b08bb2ab8141afeb55391a6808c0dfce71b25c"
          },
          "interest_free_days": {
            "status": "found",
            "url": "https://www.americanexpress.com/au/credit-cards/explorer-credit-card/",
            "confirmed": "2026-11-12",
            "cite_url": "https://www.americanexpress.com/au/credit-cards/explorer-credit-card/#:~:text=Interest%20Free%20Period%20Up%20to%2055%20days",
            "document_sha256": "b3669e60ab4c91d4d6bc29a581b08bb2ab8141afeb55391a6808c0dfce71b25c"
          },
          "kfs_date": {
            "status": "found",
            "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Prop.pdf",
            "confirmed": "2026-11-12",
            "cite_url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Prop.pdf#page=1",
            "page": 1,
            "document_sha256": "e754f00b49f5e80fe840e7e9734cbbfa06e4df668bcb76d3d9fec56d84b9e8eb"
          },
          "min_credit_limit": {
            "status": "found",
            "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Prop.pdf",
            "confirmed": "2026-11-12",
            "cite_url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Prop.pdf#page=1",
            "page": 1,
            "document_sha256": "e754f00b49f5e80fe840e7e9734cbbfa06e4df668bcb76d3d9fec56d84b9e8eb"
          },
          "late_payment_fee": {
            "status": "found",
            "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Prop.pdf",
            "confirmed": "2026-11-12",
            "cite_url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Prop.pdf#page=1",
            "page": 1,
            "document_sha256": "e754f00b49f5e80fe840e7e9734cbbfa06e4df668bcb76d3d9fec56d84b9e8eb"
          },
          "cash_advance": {
            "status": "found",
            "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Prop.pdf",
            "confirmed": "2026-11-12",
            "cite_url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Prop.pdf#page=1",
            "page": 1,
            "document_sha256": "e754f00b49f5e80fe840e7e9734cbbfa06e4df668bcb76d3d9fec56d84b9e8eb"
          },
          "issuer.foreign_transaction_fee": {
            "status": "found",
            "url": "https://www.americanexpress.com/au/credit-cards/about-credit-cards/fees/",
            "confirmed": "2026-11-12",
            "cite_url": "https://www.americanexpress.com/au/credit-cards/about-credit-cards/fees/#:~:text=Currency%20Conversion%20Fee%20Effective%20from,3.5%25%20of%20the%20converted%20amount",
            "document_sha256": "e8b498ee2e62259b19444a73450d9f4112d286b6bae0798bd6fa020ea6675275"
          },
          "issuer.late_payment_fee_charge_cards": {
            "status": "found",
            "url": "https://www.americanexpress.com/au/credit-cards/about-credit-cards/fees/",
            "confirmed": "2026-11-12",
            "cite_url": "https://www.americanexpress.com/au/credit-cards/about-credit-cards/fees/#:~:text=Late%20Payment%20Fee%20%2430%20Three,charged%20on%20any%20overdue%20amount.",
            "document_sha256": "e8b498ee2e62259b19444a73450d9f4112d286b6bae0798bd6fa020ea6675275"
          }
        }
      },
      "quotes": {
        "annual_fee": {
          "text": "Annual Fee $395 p.a.",
          "url": "https://www.americanexpress.com/au/credit-cards/explorer-credit-card/",
          "citation": {
            "quote": "Annual Fee $395 p.a.",
            "url": "https://www.americanexpress.com/au/credit-cards/explorer-credit-card/#:~:text=Annual%20Fee%20%24395%20p.a.",
            "document_sha256": "b3669e60ab4c91d4d6bc29a581b08bb2ab8141afeb55391a6808c0dfce71b25c",
            "confirmed": "2026-11-12"
          }
        },
        "purchase_rate": {
          "text": "Interest Rate 23.99% p.a. on purchases",
          "url": "https://www.americanexpress.com/au/credit-cards/explorer-credit-card/",
          "citation": {
            "quote": "Interest Rate 23.99% p.a. on purchases",
            "url": "https://www.americanexpress.com/au/credit-cards/explorer-credit-card/#:~:text=Interest%20Rate%2023.99%25%20p.a.%20on%20purchases",
            "document_sha256": "b3669e60ab4c91d4d6bc29a581b08bb2ab8141afeb55391a6808c0dfce71b25c",
            "confirmed": "2026-11-12"
          }
        },
        "interest_free_days": {
          "text": "Interest Free Period Up to 55 days",
          "url": "https://www.americanexpress.com/au/credit-cards/explorer-credit-card/",
          "citation": {
            "quote": "Interest Free Period Up to 55 days",
            "url": "https://www.americanexpress.com/au/credit-cards/explorer-credit-card/#:~:text=Interest%20Free%20Period%20Up%20to%2055%20days",
            "document_sha256": "b3669e60ab4c91d4d6bc29a581b08bb2ab8141afeb55391a6808c0dfce71b25c",
            "confirmed": "2026-11-12"
          }
        },
        "kfs_date": {
          "text": "Correct as at 30 April 2024",
          "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Prop.pdf",
          "citation": {
            "quote": "Correct as at 30 April 2024",
            "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Prop.pdf#page=1",
            "page": 1,
            "document_sha256": "e754f00b49f5e80fe840e7e9734cbbfa06e4df668bcb76d3d9fec56d84b9e8eb",
            "confirmed": "2026-11-12"
          }
        },
        "min_credit_limit": {
          "text": "Minimum credit limit $1,000 $2,000 $3,000 $3,000",
          "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Prop.pdf",
          "citation": {
            "quote": "Minimum credit limit $1,000 $2,000 $3,000 $3,000",
            "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Prop.pdf#page=1",
            "page": 1,
            "document_sha256": "e754f00b49f5e80fe840e7e9734cbbfa06e4df668bcb76d3d9fec56d84b9e8eb",
            "confirmed": "2026-11-12"
          }
        },
        "late_payment_fee": {
          "text": "Late payment fee $30 $30 $30 $30",
          "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Prop.pdf",
          "citation": {
            "quote": "Late payment fee $30 $30 $30 $30",
            "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Prop.pdf#page=1",
            "page": 1,
            "document_sha256": "e754f00b49f5e80fe840e7e9734cbbfa06e4df668bcb76d3d9fec56d84b9e8eb",
            "confirmed": "2026-11-12"
          }
        },
        "cash_advance": {
          "text": "Interest on cash advances Not offered Not offered Not offered Not offered",
          "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Prop.pdf",
          "citation": {
            "quote": "Interest on cash advances Not offered Not offered Not offered Not offered",
            "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Prop.pdf#page=1",
            "page": 1,
            "document_sha256": "e754f00b49f5e80fe840e7e9734cbbfa06e4df668bcb76d3d9fec56d84b9e8eb",
            "confirmed": "2026-11-12"
          }
        }
      },
      "document_links_source": {
        "terms_url": "found by hand 2026-11-01: terms and conditions"
      },
      "from_issuer_page": [
        {
          "source": "issuer_document",
          "fields": [
            "annual_fee",
            "purchase_rate_pct",
            "interest_free_days",
            "document_date",
            "min_credit_limit",
            "late_payment_fee",
            "cash_advance_rate_pct",
            "foreign_transaction_fee_pct"
          ],
          "confirmed": "2026-11-12",
          "url": "https://www.americanexpress.com/au/credit-cards/explorer-credit-card/#:~:text=Interest%20Rate%2023.99%25%20p.a.%20on%20purchases",
          "quote": "Interest Rate 23.99% p.a. on purchases"
        }
      ]
    },
    {
      "product_id": "amex-low-rate",
      "product_name": "The Low Rate Credit Card from American Express",
      "product_label": "Low Rate Credit Card",
      "product_slug": "low-rate-credit-card",
      "page": "/au/finance/credit-cards/cards/american-express/low-rate-credit-card/",
      "product_url": "https://www.americanexpress.com/au/credit-cards/low-rate-credit-card/",
      "terms_url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/Credit_Card_Conditions.pdf",
      "fees_url": "https://www.americanexpress.com/au/credit-cards/about-credit-cards/fees/",
      "eligibility_url": null,
      "card_type": "credit",
      "scheme": "amex",
      "tier": null,
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "description": null,
      "purchase_rate_pct": 10.99,
      "purchase_rate_is_base": null,
      "no_interest_card": null,
      "purchase_rate_range_pct": null,
      "purchase_rate_note": null,
      "cash_advance_rate_pct": null,
      "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_name": "Annual Fee",
      "fee_offers": [],
      "first_year_fee_waived": false,
      "interest_free_balance_threshold": null,
      "fee_waived_for_group": null,
      "foreign_transaction_fee_pct": 3.5,
      "foreign_transaction_fee": null,
      "cash_advance_fee_pct": null,
      "cash_advance_fee": null,
      "late_payment_fee": 30,
      "additional_cardholder_fee": null,
      "balance_transfer": null,
      "form": 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,
      "additional_cards_offered": null,
      "min_credit_limit": 1000,
      "max_credit_limit": null,
      "min_income": null,
      "min_age": null,
      "restrictions": [],
      "conditions": [
        "read from the issuer's own page and Key Facts Sheet correct as at 2024-04-30, each figure quoted and re-read daily",
        "cash advances are not offered",
        "for incomes of at least $30,000 a year (its target market)",
        "aged 18 or over; Australian citizen, permanent resident or long-term visa holder"
      ],
      "eligibility": [],
      "ranked": true,
      "unranked_reason": null,
      "rankings": [
        {
          "segment": "personal",
          "kind": "low_rate",
          "rank": 13,
          "of": 52,
          "hidden_by_default": null
        },
        {
          "segment": "personal",
          "kind": "no_annual_fee",
          "rank": 2,
          "of": 10,
          "hidden_by_default": null
        }
      ],
      "source_kind": "document",
      "record_stale": false,
      "source_url": "https://www.americanexpress.com/au/credit-cards/low-rate-credit-card/",
      "source_snapshot": null,
      "snapshot_at": null,
      "bank_last_updated": "2026-11-12T02:35:39+00:00",
      "key_facts_sheet_url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Prop.pdf",
      "document_date": "2024-04-30",
      "checked": {
        "at": "2026-11-12T02:35:39+00:00",
        "quotes": {
          "annual_fee": {
            "status": "found",
            "url": "https://www.americanexpress.com/au/credit-cards/low-rate-credit-card/",
            "confirmed": "2026-11-12",
            "cite_url": "https://www.americanexpress.com/au/credit-cards/low-rate-credit-card/#:~:text=Annual%20Fee%20%240%20p.a.",
            "document_sha256": "aee918785e21552c18ab0f12c5535a5048bd18743ca168049499b27592bcb827"
          },
          "purchase_rate": {
            "status": "found",
            "url": "https://www.americanexpress.com/au/credit-cards/low-rate-credit-card/",
            "confirmed": "2026-11-12",
            "cite_url": "https://www.americanexpress.com/au/credit-cards/low-rate-credit-card/#:~:text=Interest%20Rate%2010.99%25%20p.a.%20on%20purchases",
            "document_sha256": "aee918785e21552c18ab0f12c5535a5048bd18743ca168049499b27592bcb827"
          },
          "interest_free_days": {
            "status": "found",
            "url": "https://www.americanexpress.com/au/credit-cards/low-rate-credit-card/",
            "confirmed": "2026-11-12",
            "cite_url": "https://www.americanexpress.com/au/credit-cards/low-rate-credit-card/#:~:text=Interest%20Free%20Period%20Up%20to%2055%20days",
            "document_sha256": "aee918785e21552c18ab0f12c5535a5048bd18743ca168049499b27592bcb827"
          },
          "kfs_date": {
            "status": "found",
            "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Prop.pdf",
            "confirmed": "2026-11-12",
            "cite_url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Prop.pdf#page=1",
            "page": 1,
            "document_sha256": "e754f00b49f5e80fe840e7e9734cbbfa06e4df668bcb76d3d9fec56d84b9e8eb"
          },
          "min_credit_limit": {
            "status": "found",
            "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Prop.pdf",
            "confirmed": "2026-11-12",
            "cite_url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Prop.pdf#page=1",
            "page": 1,
            "document_sha256": "e754f00b49f5e80fe840e7e9734cbbfa06e4df668bcb76d3d9fec56d84b9e8eb"
          },
          "late_payment_fee": {
            "status": "found",
            "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Prop.pdf",
            "confirmed": "2026-11-12",
            "cite_url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Prop.pdf#page=1",
            "page": 1,
            "document_sha256": "e754f00b49f5e80fe840e7e9734cbbfa06e4df668bcb76d3d9fec56d84b9e8eb"
          },
          "cash_advance": {
            "status": "found",
            "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Prop.pdf",
            "confirmed": "2026-11-12",
            "cite_url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Prop.pdf#page=1",
            "page": 1,
            "document_sha256": "e754f00b49f5e80fe840e7e9734cbbfa06e4df668bcb76d3d9fec56d84b9e8eb"
          },
          "issuer.foreign_transaction_fee": {
            "status": "found",
            "url": "https://www.americanexpress.com/au/credit-cards/about-credit-cards/fees/",
            "confirmed": "2026-11-12",
            "cite_url": "https://www.americanexpress.com/au/credit-cards/about-credit-cards/fees/#:~:text=Currency%20Conversion%20Fee%20Effective%20from,3.5%25%20of%20the%20converted%20amount",
            "document_sha256": "e8b498ee2e62259b19444a73450d9f4112d286b6bae0798bd6fa020ea6675275"
          },
          "issuer.late_payment_fee_charge_cards": {
            "status": "found",
            "url": "https://www.americanexpress.com/au/credit-cards/about-credit-cards/fees/",
            "confirmed": "2026-11-12",
            "cite_url": "https://www.americanexpress.com/au/credit-cards/about-credit-cards/fees/#:~:text=Late%20Payment%20Fee%20%2430%20Three,charged%20on%20any%20overdue%20amount.",
            "document_sha256": "e8b498ee2e62259b19444a73450d9f4112d286b6bae0798bd6fa020ea6675275"
          }
        }
      },
      "quotes": {
        "annual_fee": {
          "text": "Annual Fee $0 p.a.",
          "url": "https://www.americanexpress.com/au/credit-cards/low-rate-credit-card/",
          "citation": {
            "quote": "Annual Fee $0 p.a.",
            "url": "https://www.americanexpress.com/au/credit-cards/low-rate-credit-card/#:~:text=Annual%20Fee%20%240%20p.a.",
            "document_sha256": "aee918785e21552c18ab0f12c5535a5048bd18743ca168049499b27592bcb827",
            "confirmed": "2026-11-12"
          }
        },
        "purchase_rate": {
          "text": "Interest Rate 10.99% p.a. on purchases",
          "url": "https://www.americanexpress.com/au/credit-cards/low-rate-credit-card/",
          "citation": {
            "quote": "Interest Rate 10.99% p.a. on purchases",
            "url": "https://www.americanexpress.com/au/credit-cards/low-rate-credit-card/#:~:text=Interest%20Rate%2010.99%25%20p.a.%20on%20purchases",
            "document_sha256": "aee918785e21552c18ab0f12c5535a5048bd18743ca168049499b27592bcb827",
            "confirmed": "2026-11-12"
          }
        },
        "interest_free_days": {
          "text": "Interest Free Period Up to 55 days",
          "url": "https://www.americanexpress.com/au/credit-cards/low-rate-credit-card/",
          "citation": {
            "quote": "Interest Free Period Up to 55 days",
            "url": "https://www.americanexpress.com/au/credit-cards/low-rate-credit-card/#:~:text=Interest%20Free%20Period%20Up%20to%2055%20days",
            "document_sha256": "aee918785e21552c18ab0f12c5535a5048bd18743ca168049499b27592bcb827",
            "confirmed": "2026-11-12"
          }
        },
        "kfs_date": {
          "text": "Correct as at 30 April 2024",
          "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Prop.pdf",
          "citation": {
            "quote": "Correct as at 30 April 2024",
            "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Prop.pdf#page=1",
            "page": 1,
            "document_sha256": "e754f00b49f5e80fe840e7e9734cbbfa06e4df668bcb76d3d9fec56d84b9e8eb",
            "confirmed": "2026-11-12"
          }
        },
        "min_credit_limit": {
          "text": "Minimum credit limit $1,000 $2,000 $3,000 $3,000",
          "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Prop.pdf",
          "citation": {
            "quote": "Minimum credit limit $1,000 $2,000 $3,000 $3,000",
            "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Prop.pdf#page=1",
            "page": 1,
            "document_sha256": "e754f00b49f5e80fe840e7e9734cbbfa06e4df668bcb76d3d9fec56d84b9e8eb",
            "confirmed": "2026-11-12"
          }
        },
        "late_payment_fee": {
          "text": "Late payment fee $30 $30 $30 $30",
          "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Prop.pdf",
          "citation": {
            "quote": "Late payment fee $30 $30 $30 $30",
            "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Prop.pdf#page=1",
            "page": 1,
            "document_sha256": "e754f00b49f5e80fe840e7e9734cbbfa06e4df668bcb76d3d9fec56d84b9e8eb",
            "confirmed": "2026-11-12"
          }
        },
        "cash_advance": {
          "text": "Interest on cash advances Not offered Not offered Not offered Not offered",
          "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Prop.pdf",
          "citation": {
            "quote": "Interest on cash advances Not offered Not offered Not offered Not offered",
            "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Prop.pdf#page=1",
            "page": 1,
            "document_sha256": "e754f00b49f5e80fe840e7e9734cbbfa06e4df668bcb76d3d9fec56d84b9e8eb",
            "confirmed": "2026-11-12"
          }
        }
      },
      "document_links_source": {
        "terms_url": "found by hand 2026-11-01: terms and conditions"
      },
      "from_issuer_page": [
        {
          "source": "issuer_document",
          "fields": [
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            "purchase_rate_pct",
            "interest_free_days",
            "document_date",
            "min_credit_limit",
            "late_payment_fee",
            "cash_advance_rate_pct",
            "foreign_transaction_fee_pct"
          ],
          "confirmed": "2026-11-12",
          "url": "https://www.americanexpress.com/au/credit-cards/low-rate-credit-card/#:~:text=Interest%20Rate%2010.99%25%20p.a.%20on%20purchases",
          "quote": "Interest Rate 10.99% p.a. on purchases"
        }
      ]
    },
    {
      "product_id": "amex-platinum-edge",
      "product_name": "The American Express Platinum Edge Credit Card",
      "product_label": "Platinum Edge Credit Card",
      "product_slug": "platinum-edge-credit-card",
      "page": "/au/finance/credit-cards/cards/american-express/platinum-edge-credit-card/",
      "product_url": "https://www.americanexpress.com/au/credit-cards/platinum-edge-credit-card/",
      "terms_url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/Credit_Card_Conditions.pdf",
      "fees_url": "https://www.americanexpress.com/au/credit-cards/about-credit-cards/fees/",
      "eligibility_url": null,
      "card_type": "credit",
      "scheme": "amex",
      "tier": "platinum",
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "description": null,
      "purchase_rate_pct": 23.99,
      "purchase_rate_is_base": null,
      "no_interest_card": null,
      "purchase_rate_range_pct": null,
      "purchase_rate_note": null,
      "cash_advance_rate_pct": null,
      "intro_purchase_rate_pct": null,
      "intro_purchase_months": null,
      "interest_free_days": 55,
      "annual_fee": 195,
      "fee_period": "annual",
      "fee_as_stated": 195,
      "annual_fee_stated": true,
      "annual_fee_note": null,
      "fee_name": "Annual Fee",
      "fee_offers": [],
      "first_year_fee_waived": true,
      "interest_free_balance_threshold": null,
      "fee_waived_for_group": null,
      "foreign_transaction_fee_pct": 3.5,
      "foreign_transaction_fee": null,
      "cash_advance_fee_pct": null,
      "cash_advance_fee": null,
      "late_payment_fee": 30,
      "additional_cardholder_fee": null,
      "balance_transfer": null,
      "form": null,
      "rewards_program": "Membership Rewards",
      "rewards_programs": [
        "Membership Rewards"
      ],
      "rewards_program_fee": null,
      "bonus_offer": null,
      "cashback_offer": null,
      "insurances": [],
      "digital_wallets": [],
      "instalment_plan": false,
      "additional_cards": null,
      "additional_cards_offered": null,
      "min_credit_limit": 3000,
      "max_credit_limit": null,
      "min_income": null,
      "min_age": null,
      "restrictions": [],
      "conditions": [
        "read from the issuer's own page and Key Facts Sheet correct as at 2024-04-30, each figure quoted and re-read daily",
        "no card fee in the first year, as the issuer's page states",
        "cash advances are not offered",
        "The card page offers $0 Annual Card Fee in the first year, saving you $195; the ongoing fee is the Key Facts Sheet's $195 per annum.",
        "aged 18 or over; Australian citizen, permanent resident or long-term visa holder",
        "first-year $0 card fee only for new Card Members applying online"
      ],
      "eligibility": [],
      "ranked": true,
      "unranked_reason": null,
      "rankings": [],
      "source_kind": "document",
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      "source_url": "https://www.americanexpress.com/au/credit-cards/platinum-edge-credit-card/",
      "source_snapshot": null,
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      "bank_last_updated": "2026-11-12T02:35:39+00:00",
      "key_facts_sheet_url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Prop.pdf",
      "document_date": "2024-04-30",
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          "first_year_fee": {
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            "url": "https://www.americanexpress.com/au/credit-cards/platinum-edge-credit-card/",
            "confirmed": "2026-11-12",
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            "document_sha256": "1d0da24edb6a34987acdbc68edd82db5a269b435d289a7c7d56c9630993993a5"
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          "issuer.foreign_transaction_fee": {
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            "url": "https://www.americanexpress.com/au/credit-cards/about-credit-cards/fees/",
            "confirmed": "2026-11-12",
            "cite_url": "https://www.americanexpress.com/au/credit-cards/about-credit-cards/fees/#:~:text=Currency%20Conversion%20Fee%20Effective%20from,3.5%25%20of%20the%20converted%20amount",
            "document_sha256": "e8b498ee2e62259b19444a73450d9f4112d286b6bae0798bd6fa020ea6675275"
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          "issuer.late_payment_fee_charge_cards": {
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            "url": "https://www.americanexpress.com/au/credit-cards/about-credit-cards/fees/",
            "confirmed": "2026-11-12",
            "cite_url": "https://www.americanexpress.com/au/credit-cards/about-credit-cards/fees/#:~:text=Late%20Payment%20Fee%20%2430%20Three,charged%20on%20any%20overdue%20amount.",
            "document_sha256": "e8b498ee2e62259b19444a73450d9f4112d286b6bae0798bd6fa020ea6675275"
          }
        }
      },
      "quotes": {
        "annual_fee": {
          "text": "$195 per annum",
          "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Prop.pdf",
          "citation": {
            "quote": "$195 per annum",
            "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Prop.pdf#page=1",
            "page": 1,
            "document_sha256": "e754f00b49f5e80fe840e7e9734cbbfa06e4df668bcb76d3d9fec56d84b9e8eb",
            "confirmed": "2026-11-12"
          }
        },
        "purchase_rate": {
          "text": "Interest Rate 23.99% p.a. on purchases",
          "url": "https://www.americanexpress.com/au/credit-cards/platinum-edge-credit-card/",
          "citation": {
            "quote": "Interest Rate 23.99% p.a. on purchases",
            "url": "https://www.americanexpress.com/au/credit-cards/platinum-edge-credit-card/#:~:text=Interest%20Rate%2023.99%25%20p.a.%20on%20purchases",
            "document_sha256": "1d0da24edb6a34987acdbc68edd82db5a269b435d289a7c7d56c9630993993a5",
            "confirmed": "2026-11-12"
          }
        },
        "interest_free_days": {
          "text": "Interest Free Period Up to 55 days",
          "url": "https://www.americanexpress.com/au/credit-cards/platinum-edge-credit-card/",
          "citation": {
            "quote": "Interest Free Period Up to 55 days",
            "url": "https://www.americanexpress.com/au/credit-cards/platinum-edge-credit-card/#:~:text=Interest%20Free%20Period%20Up%20to%2055%20days",
            "document_sha256": "1d0da24edb6a34987acdbc68edd82db5a269b435d289a7c7d56c9630993993a5",
            "confirmed": "2026-11-12"
          }
        },
        "kfs_date": {
          "text": "Correct as at 30 April 2024",
          "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Prop.pdf",
          "citation": {
            "quote": "Correct as at 30 April 2024",
            "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Prop.pdf#page=1",
            "page": 1,
            "document_sha256": "e754f00b49f5e80fe840e7e9734cbbfa06e4df668bcb76d3d9fec56d84b9e8eb",
            "confirmed": "2026-11-12"
          }
        },
        "min_credit_limit": {
          "text": "Minimum credit limit $1,000 $2,000 $3,000 $3,000",
          "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Prop.pdf",
          "citation": {
            "quote": "Minimum credit limit $1,000 $2,000 $3,000 $3,000",
            "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Prop.pdf#page=1",
            "page": 1,
            "document_sha256": "e754f00b49f5e80fe840e7e9734cbbfa06e4df668bcb76d3d9fec56d84b9e8eb",
            "confirmed": "2026-11-12"
          }
        },
        "late_payment_fee": {
          "text": "Late payment fee $30 $30 $30 $30",
          "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Prop.pdf",
          "citation": {
            "quote": "Late payment fee $30 $30 $30 $30",
            "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Prop.pdf#page=1",
            "page": 1,
            "document_sha256": "e754f00b49f5e80fe840e7e9734cbbfa06e4df668bcb76d3d9fec56d84b9e8eb",
            "confirmed": "2026-11-12"
          }
        },
        "cash_advance": {
          "text": "Interest on cash advances Not offered Not offered Not offered Not offered",
          "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Prop.pdf",
          "citation": {
            "quote": "Interest on cash advances Not offered Not offered Not offered Not offered",
            "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Prop.pdf#page=1",
            "page": 1,
            "document_sha256": "e754f00b49f5e80fe840e7e9734cbbfa06e4df668bcb76d3d9fec56d84b9e8eb",
            "confirmed": "2026-11-12"
          }
        },
        "first_year_fee": {
          "text": "$0 Annual Card Fee in the first year, saving you $195",
          "url": "https://www.americanexpress.com/au/credit-cards/platinum-edge-credit-card/",
          "citation": {
            "quote": "$0 Annual Card Fee in the first year, saving you $195",
            "url": "https://www.americanexpress.com/au/credit-cards/platinum-edge-credit-card/#:~:text=%240%20Annual%20Card%20Fee%20in,first%20year%2C%20saving%20you%20%24195",
            "document_sha256": "1d0da24edb6a34987acdbc68edd82db5a269b435d289a7c7d56c9630993993a5",
            "confirmed": "2026-11-12"
          }
        }
      },
      "document_links_source": {
        "terms_url": "found by hand 2026-11-01: terms and conditions"
      },
      "from_issuer_page": [
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            "cash_advance_rate_pct",
            "first_year_fee_waived",
            "foreign_transaction_fee_pct"
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          "confirmed": "2026-11-12",
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          "quote": "Interest Rate 23.99% p.a. on purchases"
        }
      ]
    },
    {
      "product_id": "amex-platinum-reserve",
      "product_name": "The American Express Platinum Reserve Credit Card",
      "product_label": "Platinum Reserve Credit Card",
      "product_slug": "platinum-reserve-credit-card",
      "page": "/au/finance/credit-cards/cards/american-express/platinum-reserve-credit-card/",
      "product_url": "https://www.americanexpress.com/au/credit-cards/platinum-reserve-card/",
      "terms_url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/Credit_Card_Conditions.pdf",
      "fees_url": "https://www.americanexpress.com/au/credit-cards/about-credit-cards/fees/",
      "eligibility_url": null,
      "card_type": "credit",
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      "segments": [
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      "cash_advance_fee": null,
      "late_payment_fee": 30,
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      "rewards_program_fee": null,
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      "cashback_offer": null,
      "insurances": [],
      "digital_wallets": [],
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      ],
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      ],
      "source_kind": "document",
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      "source_url": "https://www.americanexpress.com/au/credit-cards/platinum-reserve-card/",
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      "bank_last_updated": "2026-11-12T02:35:39+00:00",
      "key_facts_sheet_url": "https://www.americanexpress.com/content/dam/amex/au/pdfs/customerservice/platinumreservekfs.pdf",
      "document_date": "2023-12-20",
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            "confirmed": "2026-11-12",
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            "confirmed": "2026-11-12",
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            "confirmed": "2026-11-12",
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            "confirmed": "2026-11-12",
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            "page": 1,
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          "issuer.foreign_transaction_fee": {
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            "url": "https://www.americanexpress.com/au/credit-cards/about-credit-cards/fees/",
            "confirmed": "2026-11-12",
            "cite_url": "https://www.americanexpress.com/au/credit-cards/about-credit-cards/fees/#:~:text=Currency%20Conversion%20Fee%20Effective%20from,3.5%25%20of%20the%20converted%20amount",
            "document_sha256": "e8b498ee2e62259b19444a73450d9f4112d286b6bae0798bd6fa020ea6675275"
          },
          "issuer.late_payment_fee_charge_cards": {
            "status": "found",
            "url": "https://www.americanexpress.com/au/credit-cards/about-credit-cards/fees/",
            "confirmed": "2026-11-12",
            "cite_url": "https://www.americanexpress.com/au/credit-cards/about-credit-cards/fees/#:~:text=Late%20Payment%20Fee%20%2430%20Three,charged%20on%20any%20overdue%20amount.",
            "document_sha256": "e8b498ee2e62259b19444a73450d9f4112d286b6bae0798bd6fa020ea6675275"
          }
        }
      },
      "quotes": {
        "annual_fee": {
          "text": "As a Centurion, American Express Platinum or American Express Platinum Business Card Member, you can apply for the Platinum Reserve Credit Card with no annual fee",
          "url": "https://www.americanexpress.com/au/credit-cards/platinum-reserve-card/",
          "citation": {
            "quote": "As a Centurion, American Express Platinum or American Express Platinum Business Card Member, you can apply for the Platinum Reserve Credit Card with no annual fee",
            "url": "https://www.americanexpress.com/au/credit-cards/platinum-reserve-card/#:~:text=As%20a%20Centurion%2C%20American%20Express,Card%20with%20no%20annual%20fee",
            "document_sha256": "416557bae0130532ee4e86369fe5ff3ff6683b0f830fc0d03fcf3be198e5d7c7",
            "confirmed": "2026-11-12"
          }
        },
        "purchase_rate": {
          "text": "Interest rate 23.99% p.a.",
          "url": "https://www.americanexpress.com/au/credit-cards/platinum-reserve-card/",
          "citation": {
            "quote": "Interest rate 23.99% p.a.",
            "url": "https://www.americanexpress.com/au/credit-cards/platinum-reserve-card/#:~:text=Interest%20rate%2023.99%25%20p.a.",
            "document_sha256": "416557bae0130532ee4e86369fe5ff3ff6683b0f830fc0d03fcf3be198e5d7c7",
            "confirmed": "2026-11-12"
          }
        },
        "interest_free_days": {
          "text": "Interest free period of up to 55 days",
          "url": "https://www.americanexpress.com/au/credit-cards/platinum-reserve-card/",
          "citation": {
            "quote": "Interest free period of up to 55 days",
            "url": "https://www.americanexpress.com/au/credit-cards/platinum-reserve-card/#:~:text=Interest%20free%20period%20of%20up%20to%2055%20days",
            "document_sha256": "416557bae0130532ee4e86369fe5ff3ff6683b0f830fc0d03fcf3be198e5d7c7",
            "confirmed": "2026-11-12"
          }
        },
        "kfs_date": {
          "text": "Correct as at 20 December 2023",
          "url": "https://www.americanexpress.com/content/dam/amex/au/pdfs/customerservice/platinumreservekfs.pdf",
          "citation": {
            "quote": "Correct as at 20 December 2023",
            "url": "https://www.americanexpress.com/content/dam/amex/au/pdfs/customerservice/platinumreservekfs.pdf#page=1",
            "page": 1,
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          "issuer.foreign_transaction_fee": {
            "status": "found",
            "url": "https://www.americanexpress.com/au/credit-cards/about-credit-cards/fees/",
            "confirmed": "2026-11-12",
            "cite_url": "https://www.americanexpress.com/au/credit-cards/about-credit-cards/fees/#:~:text=Currency%20Conversion%20Fee%20Effective%20from,3.5%25%20of%20the%20converted%20amount",
            "document_sha256": "e8b498ee2e62259b19444a73450d9f4112d286b6bae0798bd6fa020ea6675275"
          },
          "issuer.late_payment_fee_charge_cards": {
            "status": "found",
            "url": "https://www.americanexpress.com/au/credit-cards/about-credit-cards/fees/",
            "confirmed": "2026-11-12",
            "cite_url": "https://www.americanexpress.com/au/credit-cards/about-credit-cards/fees/#:~:text=Late%20Payment%20Fee%20%2430%20Three,charged%20on%20any%20overdue%20amount.",
            "document_sha256": "e8b498ee2e62259b19444a73450d9f4112d286b6bae0798bd6fa020ea6675275"
          }
        }
      },
      "quotes": {
        "annual_fee": {
          "text": "Annual Fee $249 p.a.",
          "url": "https://www.americanexpress.com/au/credit-cards/qantas-premium-card/",
          "citation": {
            "quote": "Annual Fee $249 p.a.",
            "url": "https://www.americanexpress.com/au/credit-cards/qantas-premium-card/#:~:text=Annual%20Fee%20%24249%20p.a.",
            "document_sha256": "00fb36de6110663d6198395e0440b6f529734b2c8f1c26f5b852520f4687e451",
            "confirmed": "2026-11-12"
          }
        },
        "purchase_rate": {
          "text": "Interest Rate 23.99% p.a.",
          "url": "https://www.americanexpress.com/au/credit-cards/qantas-premium-card/",
          "citation": {
            "quote": "Interest Rate 23.99% p.a.",
            "url": "https://www.americanexpress.com/au/credit-cards/qantas-premium-card/#:~:text=Interest%20Rate%2023.99%25%20p.a.",
            "document_sha256": "00fb36de6110663d6198395e0440b6f529734b2c8f1c26f5b852520f4687e451",
            "confirmed": "2026-11-12"
          }
        },
        "interest_free_days": {
          "text": "Interest Free Period Up to 44 days",
          "url": "https://www.americanexpress.com/au/credit-cards/qantas-premium-card/",
          "citation": {
            "quote": "Interest Free Period Up to 44 days",
            "url": "https://www.americanexpress.com/au/credit-cards/qantas-premium-card/#:~:text=Interest%20Free%20Period%20Up%20to%2044%20days",
            "document_sha256": "00fb36de6110663d6198395e0440b6f529734b2c8f1c26f5b852520f4687e451",
            "confirmed": "2026-11-12"
          }
        },
        "kfs_date": {
          "text": "Correct as at 3 May 2023",
          "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Qantas.pdf",
          "citation": {
            "quote": "Correct as at 3 May 2023",
            "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Qantas.pdf#page=1",
            "page": 1,
            "document_sha256": "ae907cce785f5689c99b7a1c6335694d27867439a8582ff14f5b55d286b4595d",
            "confirmed": "2026-11-12"
          }
        },
        "min_credit_limit": {
          "text": "Minimum credit limit $2,000 $2,000 $3,000",
          "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Qantas.pdf",
          "citation": {
            "quote": "Minimum credit limit $2,000 $2,000 $3,000",
            "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Qantas.pdf#page=1",
            "page": 1,
            "document_sha256": "ae907cce785f5689c99b7a1c6335694d27867439a8582ff14f5b55d286b4595d",
            "confirmed": "2026-11-12"
          }
        },
        "late_payment_fee": {
          "text": "Late payment fee $30",
          "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Qantas.pdf",
          "citation": {
            "quote": "Late payment fee $30",
            "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Qantas.pdf#page=1",
            "page": 1,
            "document_sha256": "ae907cce785f5689c99b7a1c6335694d27867439a8582ff14f5b55d286b4595d",
            "confirmed": "2026-11-12"
          }
        },
        "cash_advance": {
          "text": "Interest on cash advances Not Offered",
          "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Qantas.pdf",
          "citation": {
            "quote": "Interest on cash advances Not Offered",
            "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Qantas.pdf#page=1",
            "page": 1,
            "document_sha256": "ae907cce785f5689c99b7a1c6335694d27867439a8582ff14f5b55d286b4595d",
            "confirmed": "2026-11-12"
          }
        }
      },
      "document_links_source": {
        "terms_url": "found by hand 2026-11-01: terms and conditions"
      },
      "from_issuer_page": [
        {
          "source": "issuer_document",
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            "interest_free_days",
            "document_date",
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            "late_payment_fee",
            "cash_advance_rate_pct",
            "foreign_transaction_fee_pct"
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          "confirmed": "2026-11-12",
          "url": "https://www.americanexpress.com/au/credit-cards/qantas-premium-card/#:~:text=Interest%20Rate%2023.99%25%20p.a.",
          "quote": "Interest Rate 23.99% p.a."
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      ]
    },
    {
      "product_id": "amex-qantas-ultimate",
      "product_name": "The Qantas American Express Ultimate Card",
      "product_label": "Qantas Ultimate Card",
      "product_slug": "qantas-ultimate-card",
      "page": "/au/finance/credit-cards/cards/american-express/qantas-ultimate-card/",
      "product_url": "https://www.americanexpress.com/au/credit-cards/qantas-ultimate-card/",
      "terms_url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/Credit_Card_Conditions.pdf",
      "fees_url": "https://www.americanexpress.com/au/credit-cards/about-credit-cards/fees/",
      "eligibility_url": null,
      "card_type": "credit",
      "scheme": "amex",
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      "segments": [
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      "segment": "personal",
      "description": null,
      "purchase_rate_pct": 23.99,
      "purchase_rate_is_base": null,
      "no_interest_card": null,
      "purchase_rate_range_pct": null,
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      "cash_advance_rate_pct": null,
      "intro_purchase_rate_pct": null,
      "intro_purchase_months": null,
      "interest_free_days": 44,
      "annual_fee": 450,
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      "fee_as_stated": 450,
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      "foreign_transaction_fee": null,
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      "cash_advance_fee": null,
      "late_payment_fee": 30,
      "additional_cardholder_fee": null,
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      "form": null,
      "rewards_program": "Qantas Frequent Flyer",
      "rewards_programs": [
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      "rewards_program_fee": null,
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      "insurances": [],
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      "min_credit_limit": 3000,
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      "min_income": null,
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      "restrictions": [],
      "conditions": [
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        "aged 18 or over; Australian citizen, permanent resident or long-term visa holder",
        "everyday earn drops from 1.25 to 1 Qantas Point per $1 after 100,000 points in a calendar year",
        "70,000 bonus Qantas Points for online applications by 17 November 2026 and $5,000 spend in 3 months",
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      ],
      "eligibility": [],
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      "source_kind": "document",
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      "source_url": "https://www.americanexpress.com/au/credit-cards/qantas-ultimate-card/",
      "source_snapshot": null,
      "snapshot_at": null,
      "bank_last_updated": "2026-11-12T02:35:39+00:00",
      "key_facts_sheet_url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Qantas.pdf",
      "document_date": "2023-05-03",
      "checked": {
        "at": "2026-11-12T02:35:39+00:00",
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            "url": "https://www.americanexpress.com/au/credit-cards/qantas-ultimate-card/",
            "confirmed": "2026-11-12",
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            "status": "found",
            "url": "https://www.americanexpress.com/au/credit-cards/qantas-ultimate-card/",
            "confirmed": "2026-11-12",
            "cite_url": "https://www.americanexpress.com/au/credit-cards/qantas-ultimate-card/#:~:text=Interest%20Rate%2023.99%25%20p.a.",
            "document_sha256": "2765044c1266e312b5212975243d81a911553bc0cbfc71912dd6d031cc9e4ba5"
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          "interest_free_days": {
            "status": "found",
            "url": "https://www.americanexpress.com/au/credit-cards/qantas-ultimate-card/",
            "confirmed": "2026-11-12",
            "cite_url": "https://www.americanexpress.com/au/credit-cards/qantas-ultimate-card/#:~:text=Interest%20Free%20Period%20Up%20to%2044%20days",
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          "kfs_date": {
            "status": "found",
            "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Qantas.pdf",
            "confirmed": "2026-11-12",
            "cite_url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Qantas.pdf#page=1",
            "page": 1,
            "document_sha256": "ae907cce785f5689c99b7a1c6335694d27867439a8582ff14f5b55d286b4595d"
          },
          "min_credit_limit": {
            "status": "found",
            "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Qantas.pdf",
            "confirmed": "2026-11-12",
            "cite_url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Qantas.pdf#page=1",
            "page": 1,
            "document_sha256": "ae907cce785f5689c99b7a1c6335694d27867439a8582ff14f5b55d286b4595d"
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          "late_payment_fee": {
            "status": "found",
            "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Qantas.pdf",
            "confirmed": "2026-11-12",
            "cite_url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Qantas.pdf#page=1",
            "page": 1,
            "document_sha256": "ae907cce785f5689c99b7a1c6335694d27867439a8582ff14f5b55d286b4595d"
          },
          "cash_advance": {
            "status": "found",
            "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Qantas.pdf",
            "confirmed": "2026-11-12",
            "cite_url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Qantas.pdf#page=1",
            "page": 1,
            "document_sha256": "ae907cce785f5689c99b7a1c6335694d27867439a8582ff14f5b55d286b4595d"
          },
          "issuer.foreign_transaction_fee": {
            "status": "found",
            "url": "https://www.americanexpress.com/au/credit-cards/about-credit-cards/fees/",
            "confirmed": "2026-11-12",
            "cite_url": "https://www.americanexpress.com/au/credit-cards/about-credit-cards/fees/#:~:text=Currency%20Conversion%20Fee%20Effective%20from,3.5%25%20of%20the%20converted%20amount",
            "document_sha256": "e8b498ee2e62259b19444a73450d9f4112d286b6bae0798bd6fa020ea6675275"
          },
          "issuer.late_payment_fee_charge_cards": {
            "status": "found",
            "url": "https://www.americanexpress.com/au/credit-cards/about-credit-cards/fees/",
            "confirmed": "2026-11-12",
            "cite_url": "https://www.americanexpress.com/au/credit-cards/about-credit-cards/fees/#:~:text=Late%20Payment%20Fee%20%2430%20Three,charged%20on%20any%20overdue%20amount.",
            "document_sha256": "e8b498ee2e62259b19444a73450d9f4112d286b6bae0798bd6fa020ea6675275"
          }
        }
      },
      "quotes": {
        "annual_fee": {
          "text": "Annual Fee $450 p.a.",
          "url": "https://www.americanexpress.com/au/credit-cards/qantas-ultimate-card/",
          "citation": {
            "quote": "Annual Fee $450 p.a.",
            "url": "https://www.americanexpress.com/au/credit-cards/qantas-ultimate-card/#:~:text=Annual%20Fee%20%24450%20p.a.",
            "document_sha256": "2765044c1266e312b5212975243d81a911553bc0cbfc71912dd6d031cc9e4ba5",
            "confirmed": "2026-11-12"
          }
        },
        "purchase_rate": {
          "text": "Interest Rate 23.99% p.a.",
          "url": "https://www.americanexpress.com/au/credit-cards/qantas-ultimate-card/",
          "citation": {
            "quote": "Interest Rate 23.99% p.a.",
            "url": "https://www.americanexpress.com/au/credit-cards/qantas-ultimate-card/#:~:text=Interest%20Rate%2023.99%25%20p.a.",
            "document_sha256": "2765044c1266e312b5212975243d81a911553bc0cbfc71912dd6d031cc9e4ba5",
            "confirmed": "2026-11-12"
          }
        },
        "interest_free_days": {
          "text": "Interest Free Period Up to 44 days",
          "url": "https://www.americanexpress.com/au/credit-cards/qantas-ultimate-card/",
          "citation": {
            "quote": "Interest Free Period Up to 44 days",
            "url": "https://www.americanexpress.com/au/credit-cards/qantas-ultimate-card/#:~:text=Interest%20Free%20Period%20Up%20to%2044%20days",
            "document_sha256": "2765044c1266e312b5212975243d81a911553bc0cbfc71912dd6d031cc9e4ba5",
            "confirmed": "2026-11-12"
          }
        },
        "kfs_date": {
          "text": "Correct as at 3 May 2023",
          "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Qantas.pdf",
          "citation": {
            "quote": "Correct as at 3 May 2023",
            "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Qantas.pdf#page=1",
            "page": 1,
            "document_sha256": "ae907cce785f5689c99b7a1c6335694d27867439a8582ff14f5b55d286b4595d",
            "confirmed": "2026-11-12"
          }
        },
        "min_credit_limit": {
          "text": "Minimum credit limit $2,000 $2,000 $3,000",
          "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Qantas.pdf",
          "citation": {
            "quote": "Minimum credit limit $2,000 $2,000 $3,000",
            "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Qantas.pdf#page=1",
            "page": 1,
            "document_sha256": "ae907cce785f5689c99b7a1c6335694d27867439a8582ff14f5b55d286b4595d",
            "confirmed": "2026-11-12"
          }
        },
        "late_payment_fee": {
          "text": "Late payment fee $30",
          "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Qantas.pdf",
          "citation": {
            "quote": "Late payment fee $30",
            "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Qantas.pdf#page=1",
            "page": 1,
            "document_sha256": "ae907cce785f5689c99b7a1c6335694d27867439a8582ff14f5b55d286b4595d",
            "confirmed": "2026-11-12"
          }
        },
        "cash_advance": {
          "text": "Interest on cash advances Not Offered",
          "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Qantas.pdf",
          "citation": {
            "quote": "Interest on cash advances Not Offered",
            "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Qantas.pdf#page=1",
            "page": 1,
            "document_sha256": "ae907cce785f5689c99b7a1c6335694d27867439a8582ff14f5b55d286b4595d",
            "confirmed": "2026-11-12"
          }
        }
      },
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      },
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          "confirmed": "2026-11-12",
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        }
      ]
    },
    {
      "product_id": "amex-velocity-escape-plus",
      "product_name": "The American Express Velocity Escape Plus Card",
      "product_label": "Velocity Escape Plus Card",
      "product_slug": "velocity-escape-plus-card",
      "page": "/au/finance/credit-cards/cards/american-express/velocity-escape-plus-card/",
      "product_url": "https://www.americanexpress.com/en-au/credit-cards/velocity-escape-plus-card/",
      "terms_url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/Credit_Card_Conditions.pdf",
      "fees_url": "https://www.americanexpress.com/au/credit-cards/about-credit-cards/fees/",
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      "annual_fee": 95,
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      "late_payment_fee": 30,
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      ],
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        "$50 Virgin Australia statement credit benefit ends 31 December 2026 (per the bank's terms on 2026-11-01; that sentence could not be found in them today, so check the bank's page)"
      ],
      "eligibility": [],
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      "source_snapshot": null,
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      "bank_last_updated": "2026-11-12T02:35:39+00:00",
      "key_facts_sheet_url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Velocity.pdf",
      "document_date": "2024-11-06",
      "checked": {
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            "url": "https://www.americanexpress.com/en-au/credit-cards/velocity-escape-plus-card/",
            "confirmed": "2026-11-12",
            "cite_url": "https://www.americanexpress.com/en-au/credit-cards/velocity-escape-plus-card/#:~:text=Annual%20Fee%20%2495%20p.a",
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          },
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            "status": "found",
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            "confirmed": "2026-11-12",
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            "status": "found",
            "url": "https://www.americanexpress.com/en-au/credit-cards/velocity-escape-plus-card/",
            "confirmed": "2026-11-12",
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          },
          "kfs_date": {
            "status": "found",
            "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Velocity.pdf",
            "confirmed": "2026-11-12",
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            "page": 1,
            "document_sha256": "4cd3daa69d25a16a33316f4323137e2b93cdab292c4f4a367c35921bb37800ab"
          },
          "min_credit_limit": {
            "status": "found",
            "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Velocity.pdf",
            "confirmed": "2026-11-12",
            "cite_url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Velocity.pdf#page=1",
            "page": 1,
            "document_sha256": "4cd3daa69d25a16a33316f4323137e2b93cdab292c4f4a367c35921bb37800ab"
          },
          "late_payment_fee": {
            "status": "found",
            "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Velocity.pdf",
            "confirmed": "2026-11-12",
            "cite_url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Velocity.pdf#page=1",
            "page": 1,
            "document_sha256": "4cd3daa69d25a16a33316f4323137e2b93cdab292c4f4a367c35921bb37800ab"
          },
          "cash_advance": {
            "status": "found",
            "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Velocity.pdf",
            "confirmed": "2026-11-12",
            "cite_url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Velocity.pdf#page=1",
            "page": 1,
            "document_sha256": "4cd3daa69d25a16a33316f4323137e2b93cdab292c4f4a367c35921bb37800ab"
          },
          "issuer.foreign_transaction_fee": {
            "status": "found",
            "url": "https://www.americanexpress.com/au/credit-cards/about-credit-cards/fees/",
            "confirmed": "2026-11-12",
            "cite_url": "https://www.americanexpress.com/au/credit-cards/about-credit-cards/fees/#:~:text=Currency%20Conversion%20Fee%20Effective%20from,3.5%25%20of%20the%20converted%20amount",
            "document_sha256": "e8b498ee2e62259b19444a73450d9f4112d286b6bae0798bd6fa020ea6675275"
          },
          "issuer.late_payment_fee_charge_cards": {
            "status": "found",
            "url": "https://www.americanexpress.com/au/credit-cards/about-credit-cards/fees/",
            "confirmed": "2026-11-12",
            "cite_url": "https://www.americanexpress.com/au/credit-cards/about-credit-cards/fees/#:~:text=Late%20Payment%20Fee%20%2430%20Three,charged%20on%20any%20overdue%20amount.",
            "document_sha256": "e8b498ee2e62259b19444a73450d9f4112d286b6bae0798bd6fa020ea6675275"
          }
        }
      },
      "quotes": {
        "annual_fee": {
          "text": "Annual Fee $95 p.a",
          "url": "https://www.americanexpress.com/en-au/credit-cards/velocity-escape-plus-card/",
          "citation": {
            "quote": "Annual Fee $95 p.a",
            "url": "https://www.americanexpress.com/en-au/credit-cards/velocity-escape-plus-card/#:~:text=Annual%20Fee%20%2495%20p.a",
            "document_sha256": "587331cb23c35fca20b4a3f825ee833ab930ca964fc51bad22c95705c17039e5",
            "confirmed": "2026-11-12"
          }
        },
        "purchase_rate": {
          "text": "Interest Rate 23.99% p.a.",
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          "citation": {
            "quote": "Interest Rate 23.99% p.a.",
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            "document_sha256": "587331cb23c35fca20b4a3f825ee833ab930ca964fc51bad22c95705c17039e5",
            "confirmed": "2026-11-12"
          }
        },
        "interest_free_days": {
          "text": "Interest Free Period Up to 55 days",
          "url": "https://www.americanexpress.com/en-au/credit-cards/velocity-escape-plus-card/",
          "citation": {
            "quote": "Interest Free Period Up to 55 days",
            "url": "https://www.americanexpress.com/en-au/credit-cards/velocity-escape-plus-card/#:~:text=Interest%20Free%20Period%20Up%20to%2055%20days",
            "document_sha256": "587331cb23c35fca20b4a3f825ee833ab930ca964fc51bad22c95705c17039e5",
            "confirmed": "2026-11-12"
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        },
        "kfs_date": {
          "text": "Correct as at 6 November 2024",
          "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Velocity.pdf",
          "citation": {
            "quote": "Correct as at 6 November 2024",
            "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Velocity.pdf#page=1",
            "page": 1,
            "document_sha256": "4cd3daa69d25a16a33316f4323137e2b93cdab292c4f4a367c35921bb37800ab",
            "confirmed": "2026-11-12"
          }
        },
        "min_credit_limit": {
          "text": "Minimum credit limit $2,000 $3,000",
          "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Velocity.pdf",
          "citation": {
            "quote": "Minimum credit limit $2,000 $3,000",
            "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Velocity.pdf#page=1",
            "page": 1,
            "document_sha256": "4cd3daa69d25a16a33316f4323137e2b93cdab292c4f4a367c35921bb37800ab",
            "confirmed": "2026-11-12"
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        },
        "late_payment_fee": {
          "text": "Late payment fee $30",
          "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Velocity.pdf",
          "citation": {
            "quote": "Late payment fee $30",
            "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Velocity.pdf#page=1",
            "page": 1,
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            "confirmed": "2026-11-12"
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        },
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          "text": "Interest on cash advances Not Offered",
          "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Velocity.pdf",
          "citation": {
            "quote": "Interest on cash advances Not Offered",
            "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Velocity.pdf#page=1",
            "page": 1,
            "document_sha256": "4cd3daa69d25a16a33316f4323137e2b93cdab292c4f4a367c35921bb37800ab",
            "confirmed": "2026-11-12"
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          "confirmed": "2026-11-12",
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    },
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      "document_date": "2024-11-06",
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            "confirmed": "2026-11-12",
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            "confirmed": "2026-11-12",
            "cite_url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Velocity.pdf#page=1",
            "page": 1,
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          "cash_advance": {
            "status": "found",
            "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Velocity.pdf",
            "confirmed": "2026-11-12",
            "cite_url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Velocity.pdf#page=1",
            "page": 1,
            "document_sha256": "4cd3daa69d25a16a33316f4323137e2b93cdab292c4f4a367c35921bb37800ab"
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          "issuer.foreign_transaction_fee": {
            "status": "found",
            "url": "https://www.americanexpress.com/au/credit-cards/about-credit-cards/fees/",
            "confirmed": "2026-11-12",
            "cite_url": "https://www.americanexpress.com/au/credit-cards/about-credit-cards/fees/#:~:text=Currency%20Conversion%20Fee%20Effective%20from,3.5%25%20of%20the%20converted%20amount",
            "document_sha256": "e8b498ee2e62259b19444a73450d9f4112d286b6bae0798bd6fa020ea6675275"
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          "issuer.late_payment_fee_charge_cards": {
            "status": "found",
            "url": "https://www.americanexpress.com/au/credit-cards/about-credit-cards/fees/",
            "confirmed": "2026-11-12",
            "cite_url": "https://www.americanexpress.com/au/credit-cards/about-credit-cards/fees/#:~:text=Late%20Payment%20Fee%20%2430%20Three,charged%20on%20any%20overdue%20amount.",
            "document_sha256": "e8b498ee2e62259b19444a73450d9f4112d286b6bae0798bd6fa020ea6675275"
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      "quotes": {
        "annual_fee": {
          "text": "Annual Fee $440 p.a.",
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          "citation": {
            "quote": "Annual Fee $440 p.a.",
            "url": "https://www.americanexpress.com/au/credit-cards/velocity-platinum-card/#:~:text=Annual%20Fee%20%24440%20p.a.",
            "document_sha256": "a60786d48b7484f6bdf100686e686adba70cfece376953e2b71383fb2b5150e7",
            "confirmed": "2026-11-12"
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        },
        "purchase_rate": {
          "text": "Interest Rate 23.99% p.a. on purchases",
          "url": "https://www.americanexpress.com/au/credit-cards/velocity-platinum-card/",
          "citation": {
            "quote": "Interest Rate 23.99% p.a. on purchases",
            "url": "https://www.americanexpress.com/au/credit-cards/velocity-platinum-card/#:~:text=Interest%20Rate%2023.99%25%20p.a.%20on%20purchases",
            "document_sha256": "a60786d48b7484f6bdf100686e686adba70cfece376953e2b71383fb2b5150e7",
            "confirmed": "2026-11-12"
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        },
        "interest_free_days": {
          "text": "Interest Free Period Up to 55 days",
          "url": "https://www.americanexpress.com/au/credit-cards/velocity-platinum-card/",
          "citation": {
            "quote": "Interest Free Period Up to 55 days",
            "url": "https://www.americanexpress.com/au/credit-cards/velocity-platinum-card/#:~:text=Interest%20Free%20Period%20Up%20to%2055%20days",
            "document_sha256": "a60786d48b7484f6bdf100686e686adba70cfece376953e2b71383fb2b5150e7",
            "confirmed": "2026-11-12"
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        "kfs_date": {
          "text": "Correct as at 6 November 2024",
          "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Velocity.pdf",
          "citation": {
            "quote": "Correct as at 6 November 2024",
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            "page": 1,
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            "confirmed": "2026-11-12"
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        },
        "min_credit_limit": {
          "text": "Minimum credit limit $2,000 $3,000",
          "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Velocity.pdf",
          "citation": {
            "quote": "Minimum credit limit $2,000 $3,000",
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            "page": 1,
            "document_sha256": "4cd3daa69d25a16a33316f4323137e2b93cdab292c4f4a367c35921bb37800ab",
            "confirmed": "2026-11-12"
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        "late_payment_fee": {
          "text": "Late payment fee $30",
          "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Velocity.pdf",
          "citation": {
            "quote": "Late payment fee $30",
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            "page": 1,
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            "confirmed": "2026-11-12"
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        },
        "cash_advance": {
          "text": "Interest on cash advances Not Offered",
          "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Velocity.pdf",
          "citation": {
            "quote": "Interest on cash advances Not Offered",
            "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Velocity.pdf#page=1",
            "page": 1,
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          "confirmed": "2026-11-12",
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    },
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            "confirmed": "2026-11-12",
            "cite_url": "https://www.americanexpress.com/au/credit-cards/about-credit-cards/fees/#:~:text=Late%20Payment%20Fee%20%2430%20Three,charged%20on%20any%20overdue%20amount.",
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        }
      },
      "quotes": {
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          "citation": {
            "quote": "Annual Fee $1,450 p.a.",
            "url": "https://www.americanexpress.com/au/credit-cards/the-platinum-card/#:~:text=Annual%20Fee%20%241%2C450%20p.a.",
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        },
        "interest_free_days": {
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          "url": "https://www.americanexpress.com/au/credit-cards/the-platinum-card/",
          "citation": {
            "quote": "Cash Flow Period Up to 44 cash flow days",
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        },
        "late_payment_fee": {
          "text": "Three percent (3%) or $20, whichever is greater, will be charged on any overdue amount.",
          "url": "https://www.americanexpress.com/au/credit-cards/about-credit-cards/fees/",
          "citation": {
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            "url": "https://www.americanexpress.com/au/credit-cards/about-credit-cards/fees/#:~:text=Three%20percent%20%283%25%29%20or%20%2420%2C,charged%20on%20any%20overdue%20amount.",
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      ]
    },
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            "status": "found",
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            "confirmed": "2026-11-12",
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            "status": "found",
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            "confirmed": "2026-11-12",
            "cite_url": "https://www.americanexpress.com/au/credit-cards/about-credit-cards/fees/#:~:text=Currency%20Conversion%20Fee%20Effective%20from,3.5%25%20of%20the%20converted%20amount",
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            "status": "found",
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            "confirmed": "2026-11-12",
            "cite_url": "https://www.americanexpress.com/au/credit-cards/about-credit-cards/fees/#:~:text=Late%20Payment%20Fee%20%2430%20Three,charged%20on%20any%20overdue%20amount.",
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          "citation": {
            "quote": "Annual Fee $450 p.a",
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          "text": "Three percent (3%) or $20, whichever is greater, will be charged on any overdue amount.",
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    },
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        },
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          "citation": {
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      "rankings": []
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      "product_name": "The American Express Qantas Business Rewards Card",
      "product_label": "Qantas Business Rewards Card",
      "product_slug": "qantas-business-rewards-card",
      "page": "/au/finance/credit-cards/cards/american-express/qantas-business-rewards-card/",
      "product_url": "https://www.americanexpress.com/au/credit-cards/qantas-business-rewards-card/",
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      ],
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          "confirmed": "2026-11-12",
          "url": "https://www.americanexpress.com/au/credit-cards/velocity-business-card/#:~:text=Annual%20Fee%20%24249%20p.a",
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}