{
  "brand": "Auswide Bank Ltd",
  "brand_label": "Auswide Bank",
  "brand_slug": "auswide-bank-ltd",
  "legal_entity_abn": "89067729195",
  "public_base_uri": "https://api.auswidebank.com.au/openbanking",
  "logo_uri": "https://community.auswidebank.com.au/resources/images/templates/shared/auswide-bank-logo.svg",
  "status": "ok",
  "stale": false,
  "bank_last_updated": "2026-06-24T06:11:08Z",
  "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":5,"of":52,"product_label":"Low Rate Visa Credit Card","card_type":"credit","purchase_rate_pct":9.74,"annual_fee":50.0,"fee_period":"annual","annual_fee_stated":true,"interest_free_days":55,"min_credit_limit":500.0,"max_credit_limit":50000.0,"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}
    ],
    "condition_sets": {
      "k1": [
        "credit limit $500 to $50,000",
        "$20 late payment fee",
        "3% currency conversion fee on transactions not in Australian dollars",
        "$3.50 fee per cash advance",
        "0% balance transfers for 12 months, reverting to the purchase rate; no interest-free days on purchases while a balance transfer is owed"
      ]
    },
    "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": "02ef924b-4492-49bf-b248-5571909c10c1",
      "product_name": "LOW RATE VISA CREDIT CARD",
      "product_label": "Low Rate Visa Credit Card",
      "product_slug": "low-rate-visa-credit-card",
      "page": "/au/finance/credit-cards/cards/auswide-bank-ltd/low-rate-visa-credit-card/",
      "product_url": "https://auswidebank.com.au/banking/credit-cards/low-rate-visa-credit-card/",
      "terms_url": "https://auswidebank.com.au/reusable-documents/terms-conditions-and-disclosure-documents/credit-cards-low-rate-visa/low-rate-visa-credit-card-terms-conditions/",
      "fees_url": "https://auswidebank.com.au/reusable-documents/fees-charges/credit-cards/credit-card-rate-and-fee-guide-0623/",
      "eligibility_url": "https://auswidebank.com.au/help/resources/terms-and-conditions/",
      "card_type": "credit",
      "scheme": "visa",
      "tier": null,
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "description": "A low rate credit card",
      "purchase_rate_pct": 9.74,
      "purchase_rate_is_base": null,
      "no_interest_card": null,
      "purchase_rate_range_pct": null,
      "purchase_rate_note": null,
      "cash_advance_rate_pct": 9.74,
      "intro_purchase_rate_pct": null,
      "intro_purchase_months": null,
      "interest_free_days": 55,
      "annual_fee": 50.0,
      "fee_period": "annual",
      "fee_as_stated": 50.0,
      "annual_fee_stated": true,
      "annual_fee_note": null,
      "fee_name": "ANNUAL_FEE",
      "fee_offers": [
        "Under 25's",
        "Shareholder of Auswide Bank",
        "Hold an Auswide Bank Mortgage"
      ],
      "first_year_fee_waived": false,
      "fee_waived_for_group": null,
      "foreign_transaction_fee_pct": null,
      "foreign_transaction_fee": null,
      "cash_advance_fee_pct": null,
      "cash_advance_fee": null,
      "late_payment_fee": null,
      "additional_cardholder_fee": null,
      "balance_transfer": null,
      "rewards_program": null,
      "rewards_programs": [],
      "rewards_program_fee": null,
      "bonus_offer": null,
      "cashback_offer": null,
      "insurances": [],
      "digital_wallets": [],
      "instalment_plan": false,
      "additional_cards": null,
      "additional_cards_offered": true,
      "min_credit_limit": 500.0,
      "max_credit_limit": 50000.0,
      "min_income": null,
      "min_age": 18,
      "restrictions": [],
      "who_can_open": {
        "restricted": false,
        "groups": [],
        "open_note": null
      },
      "conditions": [
        "credit limit $500 to $50,000",
        "$20 late payment fee",
        "3% currency conversion fee on transactions not in Australian dollars",
        "$3.50 fee per cash advance",
        "0% balance transfers for 12 months, reverting to the purchase rate; no interest-free days on purchases while a balance transfer is owed"
      ],
      "eligibility": [],
      "ranked": true,
      "unranked_reason": null,
      "rankings": [
        {
          "segment": "personal",
          "kind": "low_rate",
          "rank": 5,
          "of": 52,
          "hidden_by_default": null
        }
      ],
      "source_kind": "feed",
      "record_stale": false,
      "source_url": "https://api.auswidebank.com.au/openbanking/cds-au/v1/banking/products/02ef924b-4492-49bf-b248-5571909c10c1",
      "source_snapshot": "/au/finance/credit-cards/v1/source/auswide-bank-ltd/02ef924b-4492-49bf-b248-5571909c10c1.json",
      "snapshot_at": "2026-10-24T09:57:43Z",
      "bank_last_updated": "2026-06-24T16:11:08.000+10:00",
      "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://auswidebank.com.au/reusable-documents/fees-charges/credit-cards/credit-card-key-fact-sheet-0623/",
      "from_issuer_page": null
    }
  ],
  "rows": [
    {
      "brand": "Auswide Bank Ltd",
      "brand_label": "Auswide Bank",
      "brand_slug": "auswide-bank-ltd",
      "legal_entity_abn": "89067729195",
      "product_id": "02ef924b-4492-49bf-b248-5571909c10c1",
      "product_name": "LOW RATE VISA CREDIT CARD",
      "product_label": "Low Rate Visa Credit Card",
      "product_slug": "low-rate-visa-credit-card",
      "page": "/au/finance/credit-cards/cards/auswide-bank-ltd/low-rate-visa-credit-card/",
      "product_url": "https://auswidebank.com.au/banking/credit-cards/low-rate-visa-credit-card/",
      "terms_url": "https://auswidebank.com.au/reusable-documents/terms-conditions-and-disclosure-documents/credit-cards-low-rate-visa/low-rate-visa-credit-card-terms-conditions/",
      "fees_url": "https://auswidebank.com.au/reusable-documents/fees-charges/credit-cards/credit-card-rate-and-fee-guide-0623/",
      "eligibility_url": "https://auswidebank.com.au/help/resources/terms-and-conditions/",
      "card_type": "credit",
      "scheme": "visa",
      "tier": null,
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "purchase_rate_pct": 9.74,
      "purchase_rate_is_base": null,
      "no_interest_card": null,
      "purchase_rate_range_pct": null,
      "cash_advance_rate_pct": 9.74,
      "intro_purchase_rate_pct": null,
      "intro_purchase_months": null,
      "interest_free_days": 55,
      "annual_fee": 50.0,
      "fee_period": "annual",
      "fee_as_stated": 50.0,
      "annual_fee_stated": true,
      "annual_fee_note": null,
      "fee_name": "ANNUAL_FEE",
      "first_year_fee_waived": false,
      "fee_waived_for_group": null,
      "foreign_transaction_fee_pct": null,
      "foreign_transaction_fee": null,
      "cash_advance_fee_pct": null,
      "cash_advance_fee": null,
      "late_payment_fee": null,
      "additional_cardholder_fee": null,
      "bt_promo_rate_pct": null,
      "bt_promo_months": null,
      "bt_fee_pct": null,
      "bt_revert_rate_pct": null,
      "bt_revert_to": null,
      "rewards_program": null,
      "rewards_programs": [],
      "rewards_program_fee": null,
      "bonus_offer": null,
      "cashback_offer": null,
      "digital_wallets": [],
      "instalment_plan": false,
      "additional_cards": null,
      "additional_cards_offered": true,
      "min_credit_limit": 500.0,
      "max_credit_limit": 50000.0,
      "min_income": null,
      "min_age": 18,
      "restrictions": [],
      "who_can_open": {
        "restricted": false,
        "groups": [],
        "open_note": null
      },
      "conditions": [
        "credit limit $500 to $50,000",
        "$20 late payment fee",
        "3% currency conversion fee on transactions not in Australian dollars",
        "$3.50 fee per cash advance",
        "0% balance transfers for 12 months, reverting to the purchase rate; no interest-free days on purchases while a balance transfer is owed"
      ],
      "ranked": true,
      "unranked_reason": null,
      "source_kind": "feed",
      "record_stale": false,
      "source_url": "https://api.auswidebank.com.au/openbanking/cds-au/v1/banking/products/02ef924b-4492-49bf-b248-5571909c10c1",
      "source_snapshot": "/au/finance/credit-cards/v1/source/auswide-bank-ltd/02ef924b-4492-49bf-b248-5571909c10c1.json",
      "snapshot_at": "2026-11-12T02:35:40Z",
      "bank_last_updated": "2026-06-24T16:11:08.000+10:00",
      "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://auswidebank.com.au/reusable-documents/fees-charges/credit-cards/credit-card-key-fact-sheet-0623/",
      "from_issuer_page": null,
      "rate_pct": 9.74,
      "rankings": [
        {
          "segment": "personal",
          "kind": "low_rate",
          "rank": 5,
          "of": 52,
          "hidden_by_default": null
        }
      ]
    }
  ],
  "licence_shared_with": [
    "MyState Bank"
  ]
}