{
  "brand": "Australian Military Bank",
  "brand_label": "Australian Military Bank",
  "brand_slug": "australian-military-bank",
  "legal_entity_abn": "48087649741",
  "public_base_uri": "https://public.open.australianmilitarybank.com.au",
  "logo_uri": "https://assets.australianmilitarybank.com.au/AMB_Logo_72961285c1.svg",
  "status": "ok",
  "stale": false,
  "bank_last_updated": "2026-09-30T14:00:00Z",
  "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":17,"of":52,"product_label":"Low Rate Visa Credit Card","card_type":"credit","purchase_rate_pct":11.99,"annual_fee":49.0,"fee_period":"annual","annual_fee_stated":true,"interest_free_days":55,"min_credit_limit":2000.0,"max_credit_limit":50000.0,"bt_promo_rate_pct":0.0,"bt_promo_months":12,"bt_fee_pct":null,"bt_revert_rate_pct":11.99,"rewards_program":null,"conditions":"k1","restrictions":[],"record_stale":false},
      {"segment":"personal","kind":"balance_transfer","rank":13,"of":22,"product_label":"Low Rate Visa Credit Card","card_type":"credit","purchase_rate_pct":11.99,"annual_fee":49.0,"fee_period":"annual","annual_fee_stated":true,"interest_free_days":55,"min_credit_limit":2000.0,"max_credit_limit":50000.0,"bt_promo_rate_pct":0.0,"bt_promo_months":12,"bt_fee_pct":null,"bt_revert_rate_pct":11.99,"rewards_program":null,"conditions":"k1","restrictions":[],"record_stale":false}
    ],
    "condition_sets": {
      "k1": [
        "corrected from the bank's own page: a 3.00% foreign currency conversion fee, per the bank's Fees and Charges Schedule (effective 15 August 2026), which the card terms refer to; the feed says 2.95%",
        "0.00% on balance transfers for 12 months, then 11.99% (the purchase rate)",
        "credit limit $2,000 to $50,000",
        "employment status: Applicants must be currently employed or receiving a regular income. Self employed clients should contact the Bank prior to applying",
        "foreign currency conversion fee 3.00% of the transaction (feed says 2.95%), also on overseas merchants charging in AUD",
        "0% balance transfer for new cards only, minimum $2,000; the Key Facts Sheet says the remainder reverts to the cash advance rate (19.99%), the card page says 11.99%"
      ]
    },
    "unranked": {
      "products": 0
    }
  },
  "source": "Consumer Data Right Product Reference Data APIs (public, unauthenticated), credit and charge cards category",
  "licence_note": "Rates and fees are published by each bank under the Consumer Data Right as public Product Reference Data and are reproduced here as reference data with the source URL and the bank's own last-updated timestamp on every row. Rates, fees and offers change without notice; promotional balance transfer and purchase rates end after their months; check the bank's page before acting. This is not financial advice.",
  "products": [
    {
      "product_id": "e1f63c50-20bb-457a-8fee-da684c281a0a",
      "product_name": "Low Rate Visa Credit Card",
      "product_label": "Low Rate Visa Credit Card",
      "product_slug": "low-rate-visa-credit-card",
      "page": "/au/finance/credit-cards/cards/australian-military-bank/low-rate-visa-credit-card/",
      "product_url": "https://www.australianmilitarybank.com.au/credit-card/low-rate-visa-card",
      "terms_url": "https://assets.australianmilitarybank.com.au/Credit_Card_T_Cs_Website_AMB_15092026_a025ce625f.pdf",
      "fees_url": "https://assets.australianmilitarybank.com.au/Fees_and_Charges_Schedule_AMB_15082026_FINAL_12ff229073.pdf",
      "eligibility_url": "https://www.australianmilitarybank.com.au/disclosuredocuments",
      "card_type": "credit",
      "scheme": "mastercard",
      "tier": null,
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "description": "With a low annual fee and a low ongoing interest rate for purchases, the Low Rate Visa Credit Card is the only credit card you'll ever need. Plus, with our competitive 12-month balance transfer rate, you can also transfer your outstanding balances from other credit or store cards to Australian Mili…",
      "purchase_rate_pct": 11.99,
      "purchase_rate_is_base": null,
      "no_interest_card": null,
      "purchase_rate_range_pct": null,
      "purchase_rate_note": null,
      "cash_advance_rate_pct": 19.99,
      "intro_purchase_rate_pct": null,
      "intro_purchase_months": null,
      "interest_free_days": 55,
      "annual_fee": 49.0,
      "fee_period": "annual",
      "fee_as_stated": 49.0,
      "annual_fee_stated": true,
      "annual_fee_note": null,
      "fee_name": "Annual fee - credit card",
      "fee_offers": [],
      "first_year_fee_waived": false,
      "fee_waived_for_group": null,
      "foreign_transaction_fee_pct": 3.0,
      "foreign_transaction_fee": 20.0,
      "cash_advance_fee_pct": null,
      "cash_advance_fee": null,
      "late_payment_fee": null,
      "additional_cardholder_fee": null,
      "balance_transfer": {
        "promo_rate_pct": 0.0,
        "promo_months": 12,
        "fee_pct": null,
        "revert_rate_pct": 11.99,
        "revert_to": "purchase",
        "for_new_cards": null,
        "for_existing_customers": null,
        "ongoing_rate_pct": null,
        "offers": [
          {
            "rate_pct": 0.0,
            "months": 12,
            "fee_pct": null,
            "for_new_cards": null,
            "for_existing_customers": null,
            "text": "0.00% p.a.12 months introductory balance transfer rate. Reverts to purchase rate after that period. Balance transfer offer (including interest rate and term) applies to approved requests made at the time of application."
          }
        ]
      },
      "rewards_program": null,
      "rewards_programs": [],
      "rewards_program_fee": null,
      "bonus_offer": null,
      "cashback_offer": null,
      "insurances": [],
      "digital_wallets": [
        "Apple Pay",
        "Google Pay",
        "Samsung Pay",
        "Garmin Pay",
        "Fitbit Pay"
      ],
      "instalment_plan": false,
      "additional_cards": null,
      "additional_cards_offered": true,
      "min_credit_limit": 2000.0,
      "max_credit_limit": 50000.0,
      "min_income": null,
      "min_age": 18,
      "restrictions": [],
      "who_can_open": {
        "restricted": false,
        "groups": [],
        "open_note": null
      },
      "conditions": [
        "corrected from the bank's own page: a 3.00% foreign currency conversion fee, per the bank's Fees and Charges Schedule (effective 15 August 2026), which the card terms refer to; the feed says 2.95%",
        "0.00% on balance transfers for 12 months, then 11.99% (the purchase rate)",
        "credit limit $2,000 to $50,000",
        "employment status: Applicants must be currently employed or receiving a regular income. Self employed clients should contact the Bank prior to applying",
        "foreign currency conversion fee 3.00% of the transaction (feed says 2.95%), also on overseas merchants charging in AUD",
        "0% balance transfer for new cards only, minimum $2,000; the Key Facts Sheet says the remainder reverts to the cash advance rate (19.99%), the card page says 11.99%"
      ],
      "eligibility": [
        "employment status: Applicants must be currently employed or receiving a regular income. Self employed clients should contact the Bank prior to applying"
      ],
      "ranked": true,
      "unranked_reason": null,
      "rankings": [
        {
          "segment": "personal",
          "kind": "low_rate",
          "rank": 17,
          "of": 52,
          "hidden_by_default": null
        },
        {
          "segment": "personal",
          "kind": "balance_transfer",
          "rank": 13,
          "of": 22,
          "hidden_by_default": null
        }
      ],
      "source_kind": "feed",
      "record_stale": false,
      "source_url": "https://public.open.australianmilitarybank.com.au/cds-au/v1/banking/products/e1f63c50-20bb-457a-8fee-da684c281a0a",
      "source_snapshot": "/au/finance/credit-cards/v1/source/australian-military-bank/e1f63c50-20bb-457a-8fee-da684c281a0a.json",
      "snapshot_at": "2026-10-24T09:57:43Z",
      "bank_last_updated": "2026-09-30T14:00:00.323756Z",
      "document_links_source": {
        "terms_url": "found by hand 2026-11-01: terms and conditions",
        "fees_url": "found by hand 2026-11-01: fees and charges",
        "key_facts_sheet_url": "found by hand 2026-11-01: Key Facts Sheet"
      },
      "key_facts_sheet_url": "https://assets.australianmilitarybank.com.au/Credit_Card_Key_Facts_Sheet_AMB_15092026_FINAL_ff023c9593.pdf",
      "correction": {
        "checked": "2026-11-01",
        "note": "a 3.00% foreign currency conversion fee, per the bank's Fees and Charges Schedule (effective 15 August 2026), which the card terms refer to; the feed says 2.95%",
        "fields": [
          "foreign_transaction_fee_pct"
        ],
        "quotes": {
          "foreign": {
            "text": "3.00% of transaction value ($AUD)",
            "url": "https://assets.australianmilitarybank.com.au/Fees_and_Charges_Schedule_AMB_15082026_FINAL_12ff229073.pdf",
            "citation": {
              "quote": "3.00% of transaction value ($AUD)",
              "url": "https://assets.australianmilitarybank.com.au/Fees_and_Charges_Schedule_AMB_15082026_FINAL_12ff229073.pdf#page=2",
              "page": 2,
              "document_sha256": "47366e4dfd73aa29cea09eddb9b60b786fbcfb5bc42626acfde6a24dc8b460c5",
              "confirmed": "2026-11-12"
            }
          }
        },
        "verified": {
          "foreign": "found"
        }
      },
      "from_issuer_page": [
        {
          "source": "correction",
          "fields": [
            "foreign_transaction_fee_pct"
          ],
          "confirmed": "2026-11-12",
          "url": "https://assets.australianmilitarybank.com.au/Fees_and_Charges_Schedule_AMB_15082026_FINAL_12ff229073.pdf#page=2",
          "quote": "3.00% of transaction value ($AUD)"
        }
      ]
    }
  ],
  "rows": [
    {
      "brand": "Australian Military Bank",
      "brand_label": "Australian Military Bank",
      "brand_slug": "australian-military-bank",
      "legal_entity_abn": "48087649741",
      "product_id": "e1f63c50-20bb-457a-8fee-da684c281a0a",
      "product_name": "Low Rate Visa Credit Card",
      "product_label": "Low Rate Visa Credit Card",
      "product_slug": "low-rate-visa-credit-card",
      "page": "/au/finance/credit-cards/cards/australian-military-bank/low-rate-visa-credit-card/",
      "product_url": "https://www.australianmilitarybank.com.au/credit-card/low-rate-visa-card",
      "terms_url": "https://assets.australianmilitarybank.com.au/Credit_Card_T_Cs_Website_AMB_15092026_a025ce625f.pdf",
      "fees_url": "https://assets.australianmilitarybank.com.au/Fees_and_Charges_Schedule_AMB_15082026_FINAL_12ff229073.pdf",
      "eligibility_url": "https://www.australianmilitarybank.com.au/disclosuredocuments",
      "card_type": "credit",
      "scheme": "mastercard",
      "tier": null,
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "purchase_rate_pct": 11.99,
      "purchase_rate_is_base": null,
      "no_interest_card": null,
      "purchase_rate_range_pct": null,
      "cash_advance_rate_pct": 19.99,
      "intro_purchase_rate_pct": null,
      "intro_purchase_months": null,
      "interest_free_days": 55,
      "annual_fee": 49.0,
      "fee_period": "annual",
      "fee_as_stated": 49.0,
      "annual_fee_stated": true,
      "annual_fee_note": null,
      "fee_name": "Annual fee - credit card",
      "first_year_fee_waived": false,
      "fee_waived_for_group": null,
      "foreign_transaction_fee_pct": 3.0,
      "foreign_transaction_fee": 20.0,
      "cash_advance_fee_pct": null,
      "cash_advance_fee": null,
      "late_payment_fee": null,
      "additional_cardholder_fee": null,
      "bt_promo_rate_pct": 0.0,
      "bt_promo_months": 12,
      "bt_fee_pct": null,
      "bt_revert_rate_pct": 11.99,
      "bt_revert_to": "purchase",
      "rewards_program": null,
      "rewards_programs": [],
      "rewards_program_fee": null,
      "bonus_offer": null,
      "cashback_offer": null,
      "digital_wallets": [
        "Apple Pay",
        "Google Pay",
        "Samsung Pay",
        "Garmin Pay",
        "Fitbit Pay"
      ],
      "instalment_plan": false,
      "additional_cards": null,
      "additional_cards_offered": true,
      "min_credit_limit": 2000.0,
      "max_credit_limit": 50000.0,
      "min_income": null,
      "min_age": 18,
      "restrictions": [],
      "who_can_open": {
        "restricted": false,
        "groups": [],
        "open_note": null
      },
      "conditions": [
        "corrected from the bank's own page: a 3.00% foreign currency conversion fee, per the bank's Fees and Charges Schedule (effective 15 August 2026), which the card terms refer to; the feed says 2.95%",
        "0.00% on balance transfers for 12 months, then 11.99% (the purchase rate)",
        "credit limit $2,000 to $50,000",
        "employment status: Applicants must be currently employed or receiving a regular income. Self employed clients should contact the Bank prior to applying",
        "foreign currency conversion fee 3.00% of the transaction (feed says 2.95%), also on overseas merchants charging in AUD",
        "0% balance transfer for new cards only, minimum $2,000; the Key Facts Sheet says the remainder reverts to the cash advance rate (19.99%), the card page says 11.99%"
      ],
      "ranked": true,
      "unranked_reason": null,
      "source_kind": "feed",
      "record_stale": false,
      "source_url": "https://public.open.australianmilitarybank.com.au/cds-au/v1/banking/products/e1f63c50-20bb-457a-8fee-da684c281a0a",
      "source_snapshot": "/au/finance/credit-cards/v1/source/australian-military-bank/e1f63c50-20bb-457a-8fee-da684c281a0a.json",
      "snapshot_at": "2026-11-12T02:35:39Z",
      "bank_last_updated": "2026-09-30T14:00:00.323756Z",
      "document_links_source": {
        "terms_url": "found by hand 2026-11-01: terms and conditions",
        "fees_url": "found by hand 2026-11-01: fees and charges",
        "key_facts_sheet_url": "found by hand 2026-11-01: Key Facts Sheet"
      },
      "key_facts_sheet_url": "https://assets.australianmilitarybank.com.au/Credit_Card_Key_Facts_Sheet_AMB_15092026_FINAL_ff023c9593.pdf",
      "correction": {
        "checked": "2026-11-01",
        "note": "a 3.00% foreign currency conversion fee, per the bank's Fees and Charges Schedule (effective 15 August 2026), which the card terms refer to; the feed says 2.95%",
        "fields": [
          "foreign_transaction_fee_pct"
        ],
        "quotes": {
          "foreign": {
            "text": "3.00% of transaction value ($AUD)",
            "url": "https://assets.australianmilitarybank.com.au/Fees_and_Charges_Schedule_AMB_15082026_FINAL_12ff229073.pdf",
            "citation": {
              "quote": "3.00% of transaction value ($AUD)",
              "url": "https://assets.australianmilitarybank.com.au/Fees_and_Charges_Schedule_AMB_15082026_FINAL_12ff229073.pdf#page=2",
              "page": 2,
              "document_sha256": "47366e4dfd73aa29cea09eddb9b60b786fbcfb5bc42626acfde6a24dc8b460c5",
              "confirmed": "2026-11-12"
            }
          }
        },
        "verified": {
          "foreign": "found"
        }
      },
      "from_issuer_page": [
        {
          "source": "correction",
          "fields": [
            "foreign_transaction_fee_pct"
          ],
          "confirmed": "2026-11-12",
          "url": "https://assets.australianmilitarybank.com.au/Fees_and_Charges_Schedule_AMB_15082026_FINAL_12ff229073.pdf#page=2",
          "quote": "3.00% of transaction value ($AUD)"
        }
      ],
      "rate_pct": 11.99,
      "rankings": [
        {
          "segment": "personal",
          "kind": "low_rate",
          "rank": 17,
          "of": 52,
          "hidden_by_default": null
        },
        {
          "segment": "personal",
          "kind": "balance_transfer",
          "rank": 13,
          "of": 22,
          "hidden_by_default": null
        }
      ]
    }
  ],
  "licence_shared_with": [
    "RSL Money"
  ]
}