{
  "brand": "Bank Australia",
  "brand_label": "Bank Australia",
  "brand_slug": "bank-australia",
  "legal_entity_abn": "21087651607",
  "public_base_uri": "https://public.cdr.bankaust.com.au",
  "logo_uri": "https://www.bankaust.com.au/globalassets/assets/imagery/logos/bank-australia/ba_horizontal_logo.png",
  "status": "ok",
  "stale": false,
  "bank_last_updated": "2026-11-04T05:54:46Z",
  "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":24,"of":52,"product_label":"Low Rate Visa Credit Card","card_type":"credit","purchase_rate_pct":12.34,"annual_fee":0.0,"fee_period":"annual","annual_fee_stated":true,"interest_free_days":null,"min_credit_limit":1000.0,"max_credit_limit":null,"bt_promo_rate_pct":0.0,"bt_promo_months":6,"bt_fee_pct":null,"bt_revert_rate_pct":12.34,"rewards_program":null,"conditions":"k1","restrictions":[],"record_stale":false},
      {"segment":"personal","kind":"no_annual_fee","rank":3,"of":10,"product_label":"Low Rate Visa Credit Card","card_type":"credit","purchase_rate_pct":12.34,"annual_fee":0.0,"fee_period":"annual","annual_fee_stated":true,"interest_free_days":null,"min_credit_limit":1000.0,"max_credit_limit":null,"bt_promo_rate_pct":0.0,"bt_promo_months":6,"bt_fee_pct":null,"bt_revert_rate_pct":12.34,"rewards_program":null,"conditions":"k1","restrictions":[],"record_stale":false},
      {"segment":"personal","kind":"balance_transfer","rank":18,"of":22,"product_label":"Low Rate Visa Credit Card","card_type":"credit","purchase_rate_pct":12.34,"annual_fee":0.0,"fee_period":"annual","annual_fee_stated":true,"interest_free_days":null,"min_credit_limit":1000.0,"max_credit_limit":null,"bt_promo_rate_pct":0.0,"bt_promo_months":6,"bt_fee_pct":null,"bt_revert_rate_pct":12.34,"rewards_program":null,"conditions":"k1","restrictions":[],"record_stale":false},
      {"segment":"personal","kind":"rewards","rank":13,"of":24,"product_label":"Platinum Visa Credit Card","card_type":"credit","purchase_rate_pct":20.99,"annual_fee":189.0,"fee_period":"annual","annual_fee_stated":true,"interest_free_days":55,"min_credit_limit":1000.0,"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": [
        "confirmed on the bank's own page: 12.34% on purchases and cash advances (from 1 November 2026), no annual fee and 0% for 6 months on balance transfers",
        "0.00% on balance transfers for 6 months, then 12.34% (the purchase rate)",
        "Each application for credit is subject to our normal lending criteria and approval.",
        "no annual fee and no late payment fees",
        "no interest-free days on purchases",
        "0% balance transfer applies to balances from other banks only",
        "aged 18+, living in Australia permanently or temporarily, with a regular source of income"
      ],
      "k2": [
        "Each application for credit is subject to our normal lending criteria and approval.",
        "0.75 Qantas Points per $1 up to $3,000 a calendar month, 0.35 above",
        "capped at 5,000 Qantas Points a calendar month (bonus points excluded)",
        "annual fee waiver with an Offset or Clean Energy Home Loan applies to one card account for the life of the loan",
        "aged 18+, living in Australia permanently or temporarily, with a regular source of income"
      ]
    },
    "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": "a3e1054a-73da-469f-863e-0f3418967627",
      "product_name": "Low Rate Visa Credit Card",
      "product_label": "Low Rate Visa Credit Card",
      "product_slug": "low-rate-visa-credit-card",
      "page": "/au/finance/credit-cards/cards/bank-australia/low-rate-visa-credit-card/",
      "product_url": "https://www.bankaust.com.au/banking/credit-cards/low-rate-visa-credit-card/",
      "terms_url": "https://www.bankaust.com.au/support/disclosures",
      "fees_url": "https://www.bankaust.com.au/support/disclosures",
      "eligibility_url": null,
      "card_type": "credit",
      "scheme": "visa",
      "tier": null,
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "description": "A lower interest rate to reduce your borrowing costs. Great for those who have a carryover balance each month.",
      "purchase_rate_pct": 12.34,
      "purchase_rate_is_base": null,
      "no_interest_card": null,
      "purchase_rate_range_pct": null,
      "purchase_rate_note": "Minimum monthly repayments of 2.5% or $20, whichever is greater. If the closing balance is less than $20, you must pay the full closing balance.",
      "cash_advance_rate_pct": 12.34,
      "intro_purchase_rate_pct": null,
      "intro_purchase_months": null,
      "interest_free_days": null,
      "annual_fee": 0.0,
      "fee_period": "annual",
      "fee_as_stated": 0.0,
      "annual_fee_stated": true,
      "annual_fee_note": null,
      "fee_name": "Annual Fee - Low Rate Credit Card",
      "fee_offers": [],
      "first_year_fee_waived": false,
      "fee_waived_for_group": null,
      "foreign_transaction_fee_pct": 3.0,
      "foreign_transaction_fee": null,
      "cash_advance_fee_pct": null,
      "cash_advance_fee": 3.5,
      "late_payment_fee": null,
      "additional_cardholder_fee": 0.0,
      "balance_transfer": {
        "promo_rate_pct": 0.0,
        "promo_months": 6,
        "fee_pct": null,
        "revert_rate_pct": 12.34,
        "revert_to": "purchase",
        "for_new_cards": null,
        "for_existing_customers": null,
        "ongoing_rate_pct": null,
        "offers": [
          {
            "rate_pct": 0.0,
            "months": 6,
            "fee_pct": null,
            "for_new_cards": null,
            "for_existing_customers": null,
            "text": "0% for 6 months. You can request to transfer the balance of another Banks's credit card to your Bank Australia Low Rate Visa Credit Card, to help you reduce interest charges. At the end of the balance transfer period, the rate reverts to the purchase rate at the time."
          }
        ]
      },
      "rewards_program": null,
      "rewards_programs": [],
      "rewards_program_fee": null,
      "bonus_offer": null,
      "cashback_offer": null,
      "insurances": [],
      "digital_wallets": [
        "Apple Pay",
        "Google Pay",
        "Samsung Pay"
      ],
      "instalment_plan": false,
      "additional_cards": 1,
      "additional_cards_offered": true,
      "min_credit_limit": 1000.0,
      "max_credit_limit": null,
      "min_income": null,
      "min_age": 18,
      "restrictions": [],
      "who_can_open": {
        "restricted": false,
        "groups": [],
        "open_note": null
      },
      "conditions": [
        "confirmed on the bank's own page: 12.34% on purchases and cash advances (from 1 November 2026), no annual fee and 0% for 6 months on balance transfers",
        "0.00% on balance transfers for 6 months, then 12.34% (the purchase rate)",
        "Each application for credit is subject to our normal lending criteria and approval.",
        "no annual fee and no late payment fees",
        "no interest-free days on purchases",
        "0% balance transfer applies to balances from other banks only",
        "aged 18+, living in Australia permanently or temporarily, with a regular source of income"
      ],
      "eligibility": [
        "Each application for credit is subject to our normal lending criteria and approval."
      ],
      "ranked": true,
      "unranked_reason": null,
      "rankings": [
        {
          "segment": "personal",
          "kind": "low_rate",
          "rank": 24,
          "of": 52,
          "hidden_by_default": null
        },
        {
          "segment": "personal",
          "kind": "no_annual_fee",
          "rank": 3,
          "of": 10,
          "hidden_by_default": null
        },
        {
          "segment": "personal",
          "kind": "balance_transfer",
          "rank": 18,
          "of": 22,
          "hidden_by_default": null
        }
      ],
      "source_kind": "feed",
      "record_stale": false,
      "source_url": "https://public.cdr.bankaust.com.au/cds-au/v1/banking/products/a3e1054a-73da-469f-863e-0f3418967627",
      "source_snapshot": "/au/finance/credit-cards/v1/source/bank-australia/a3e1054a-73da-469f-863e-0f3418967627.json",
      "snapshot_at": "2026-11-05T03:37:27Z",
      "bank_last_updated": "2026-11-04T05:54:46.474Z",
      "key_facts_sheet_url": "https://cdn.bfldr.com/1R31Y8GR/as/9qkmbrnz2ccnwfjwnzhbt9v/Credit_card_key_facts_sheet",
      "document_links_source": {
        "key_facts_sheet_url": "found by hand 2026-11-01: Key Facts Sheet"
      },
      "correction": {
        "checked": "2026-11-07",
        "note": "12.34% on purchases and cash advances (from 1 November 2026), no annual fee and 0% for 6 months on balance transfers",
        "fields": [],
        "quotes": {
          "rate_pct": {
            "text": "12.34 % p.a. Variable interest rate Effective 1 November 2026",
            "url": "https://www.bankaust.com.au/banking/credit-cards/low-rate-visa-credit-card/",
            "citation": {
              "quote": "12.34 % p.a. Variable interest rate Effective 1 November 2026",
              "url": "https://www.bankaust.com.au/banking/credit-cards/low-rate-visa-credit-card/#:~:text=12.34%20%25%20p.a.%20Variable%20interest%20rate%20Effective%201%20November%202026",
              "document_sha256": "89794f0972c469384a93380120f2dc5ede7ee5ba34969ba97fe86f0c36f3f340",
              "confirmed": "2026-11-12"
            }
          },
          "annual_fee": {
            "text": "Annual fee $0",
            "url": "https://www.bankaust.com.au/banking/credit-cards/low-rate-visa-credit-card/",
            "citation": {
              "quote": "Annual fee $0",
              "url": "https://www.bankaust.com.au/banking/credit-cards/low-rate-visa-credit-card/#:~:text=Annual%20fee%20%240",
              "document_sha256": "89794f0972c469384a93380120f2dc5ede7ee5ba34969ba97fe86f0c36f3f340",
              "confirmed": "2026-11-12"
            }
          },
          "balance_transfer": {
            "text": "We offer 0% for 6 months on balance transfers with our Low Rate Visa Credit Card.",
            "url": "https://www.bankaust.com.au/banking/credit-cards/low-rate-visa-credit-card/",
            "citation": {
              "quote": "We offer 0% for 6 months on balance transfers with our Low Rate Visa Credit Card.",
              "url": "https://www.bankaust.com.au/banking/credit-cards/low-rate-visa-credit-card/#:~:text=We%20offer%200%25%20for%206,Low%20Rate%20Visa%20Credit%20Card.",
              "document_sha256": "89794f0972c469384a93380120f2dc5ede7ee5ba34969ba97fe86f0c36f3f340",
              "confirmed": "2026-11-12"
            }
          },
          "rate": {
            "text": "This rate applies to both purchases and cash advances.",
            "url": "https://www.bankaust.com.au/banking/credit-cards/low-rate-visa-credit-card/",
            "citation": {
              "quote": "This rate applies to both purchases and cash advances.",
              "url": "https://www.bankaust.com.au/banking/credit-cards/low-rate-visa-credit-card/#:~:text=This%20rate%20applies%20to%20both%20purchases%20and%20cash%20advances.",
              "document_sha256": "89794f0972c469384a93380120f2dc5ede7ee5ba34969ba97fe86f0c36f3f340",
              "confirmed": "2026-11-12"
            }
          }
        },
        "verified": {
          "rate_pct": "found",
          "annual_fee": "found",
          "balance_transfer": "found",
          "rate": "found"
        }
      },
      "from_issuer_page": [
        {
          "source": "confirmation",
          "fields": [
            "purchase_rate_pct",
            "annual_fee",
            "bt_promo_rate_pct",
            "bt_promo_months",
            "bt_fee_pct",
            "bt_revert_rate_pct"
          ],
          "confirmed": "2026-11-12",
          "url": "https://www.bankaust.com.au/banking/credit-cards/low-rate-visa-credit-card/#:~:text=12.34%20%25%20p.a.%20Variable%20interest%20rate%20Effective%201%20November%202026",
          "quote": "12.34 % p.a. Variable interest rate Effective 1 November 2026"
        }
      ]
    },
    {
      "product_id": "f23e4849-212b-4a22-beb1-a088654d73e5",
      "product_name": "Platinum Visa Credit Card",
      "product_label": "Platinum Visa Credit Card",
      "product_slug": "platinum-visa-credit-card",
      "page": "/au/finance/credit-cards/cards/bank-australia/platinum-visa-credit-card/",
      "product_url": "https://www.bankaust.com.au/banking/credit-cards/platinum-rewards-credit-card",
      "terms_url": "https://www.bankaust.com.au/support/disclosures",
      "fees_url": "https://www.bankaust.com.au/support/disclosures",
      "eligibility_url": null,
      "card_type": "credit",
      "scheme": "visa",
      "tier": "platinum",
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "description": "Be rewarded for your spending with Qantas Points. Great for those who pay their card in full each month and are a Qantas Frequent Flyer member.",
      "purchase_rate_pct": 20.99,
      "purchase_rate_is_base": null,
      "no_interest_card": null,
      "purchase_rate_range_pct": null,
      "purchase_rate_note": "Minimum monthly repayments of 2.5% or $20, whichever is greater. If the closing balance is less than $20, you must pay the full closing balance.",
      "cash_advance_rate_pct": 20.99,
      "intro_purchase_rate_pct": null,
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      "interest_free_days": 55,
      "annual_fee": 189.0,
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      "annual_fee_stated": true,
      "annual_fee_note": null,
      "fee_name": "Platinum Rewards Credit Card Annual Fee",
      "fee_offers": [
        "This fee is waived for holders of an Offset or Clean Energy Home Loan. Each Offset or Clean Energy Loan is entitled to a wavier for the future Annual Fee for one eligible card account in the name of the loan holder."
      ],
      "first_year_fee_waived": false,
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      "cash_advance_fee": 5.0,
      "late_payment_fee": null,
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      "balance_transfer": null,
      "rewards_program": "Qantas Frequent Flyer",
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      ],
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      "snapshot_at": "2026-10-31T23:18:27Z",
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    },
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      },
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    }
  ],
  "rows": [
    {
      "brand": "Bank Australia",
      "brand_label": "Bank Australia",
      "brand_slug": "bank-australia",
      "legal_entity_abn": "21087651607",
      "product_id": "a3e1054a-73da-469f-863e-0f3418967627",
      "product_name": "Low Rate Visa Credit Card",
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}