{
  "brand": "Bank of us",
  "brand_label": "Bank of us",
  "brand_slug": "bank-of-us",
  "legal_entity_abn": "32087652088",
  "public_base_uri": "https://api.bankofus.com.au/OpenBanking",
  "logo_uri": "https://api.bankofus.com.au/OpenBanking/Logo.png",
  "status": "ok",
  "stale": false,
  "bank_last_updated": "2026-04-13T12:42:12Z",
  "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":9,"of":62,"product_label":"Visa Credit Card","card_type":"credit","purchase_rate_pct":9.99,"annual_fee":39.0,"fee_period":"annual","annual_fee_stated":true,"interest_free_days":58,"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":["limited_eligibility"],"record_stale":false}
    ],
    "condition_sets": {
      "k1": [
        "corrected from the bank's own page: new customers must be existing Tasmanian residents, per the bank's cards page on 2026-10-24; 9.99% on purchases per the bank's rates page (checked 2026-10-30)",
        "credit limit $500 to $50,000",
        "$20 late payment fee",
        "$5 fee for a cash advance at an overseas ATM"
      ]
    },
    "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": "Visa_Credit_Card",
      "product_name": "Visa Credit Card",
      "product_label": "Visa Credit Card",
      "product_slug": "visa-credit-card",
      "page": "/au/finance/credit-cards/cards/bank-of-us/visa-credit-card/",
      "product_url": "https://bankofus.com.au/cards",
      "terms_url": "https://bankofus.com.au/source-assets/documents/compliance/61525-Bank-of-Us-Conditions-of-Use-Visa-Credit-Credit-Card-36PP-Cover1Dec2020.pdf",
      "fees_url": "https://bankofus.com.au/source-assets/documents/compliance/Credit-Card-Key-Fact-Sheet_15.02.2022.pdf",
      "eligibility_url": "https://bankofus.com.au/source-assets/documents/compliance/Summary-of-Accounts-Availability-of-Access-Facilities-and-Transaction-Limits-15-July-2024.pdf",
      "card_type": "credit",
      "scheme": "visa",
      "tier": null,
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "description": "A Bank of us Visa Credit Card gives you all the features you'd expect from a credit card accepted at more than 24 million outlets worldwide. With card limits from as little of $500, you'll get the ext",
      "purchase_rate_pct": 9.99,
      "purchase_rate_is_base": null,
      "no_interest_card": null,
      "purchase_rate_range_pct": null,
      "purchase_rate_note": "For both purchases and cash advances",
      "cash_advance_rate_pct": 9.99,
      "intro_purchase_rate_pct": null,
      "intro_purchase_months": null,
      "interest_free_days": 58,
      "annual_fee": 39.0,
      "fee_period": "annual",
      "fee_as_stated": 39.0,
      "annual_fee_stated": true,
      "annual_fee_note": null,
      "fee_name": "ANNUAL_FEE",
      "fee_offers": [],
      "first_year_fee_waived": false,
      "fee_waived_for_group": null,
      "foreign_transaction_fee_pct": 2.5,
      "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": [
        "limited_eligibility"
      ],
      "who_can_open": {
        "restricted": false,
        "groups": [],
        "open_note": null
      },
      "conditions": [
        "corrected from the bank's own page: new customers must be existing Tasmanian residents, per the bank's cards page on 2026-10-24; 9.99% on purchases per the bank's rates page (checked 2026-10-30)",
        "credit limit $500 to $50,000",
        "$20 late payment fee",
        "$5 fee for a cash advance at an overseas ATM"
      ],
      "eligibility": [],
      "ranked": true,
      "unranked_reason": null,
      "rankings": [
        {
          "segment": "personal",
          "kind": "low_rate",
          "rank": 9,
          "of": 62,
          "hidden_by_default": true
        }
      ],
      "source_kind": "feed",
      "record_stale": false,
      "source_url": "https://api.bankofus.com.au/OpenBanking/cds-au/v1/banking/products/Visa_Credit_Card",
      "source_snapshot": "/au/finance/credit-cards/v1/source/bank-of-us/Visa_Credit_Card.json",
      "snapshot_at": "2026-10-24T09:57:48Z",
      "bank_last_updated": "2026-04-13T22:42:12.000+10:00",
      "key_facts_sheet_url": "https://bankofus.com.au/source-assets/documents/compliance/Credit-Card-Key-Fact-Sheet_15.02.2022.pdf",
      "document_links_source": {
        "key_facts_sheet_url": "found by hand 2026-11-01: Key Facts Sheet"
      },
      "correction": {
        "checked": "2026-10-30",
        "note": "new customers must be existing Tasmanian residents, per the bank's cards page on 2026-10-24; 9.99% on purchases per the bank's rates page (checked 2026-10-30)",
        "fields": [
          "restrictions"
        ],
        "quotes": {
          "eligibility": {
            "text": "we can't offer this product to new customers who are not existing Tasmanian residents",
            "url": "https://bankofus.com.au/cards",
            "citation": {
              "quote": "we can't offer this product to new customers who are not existing Tasmanian residents",
              "url": "https://bankofus.com.au/cards#:~:text=we%20can%27t%20offer%20this%20product,are%20not%20existing%20Tasmanian%20residents",
              "document_sha256": "085eb84e2224f37af4535e0cc0d6aac43ba18d0d2d81acb6f8a0a977b95ae105",
              "confirmed": "2026-11-12"
            }
          },
          "rate": {
            "text": "Variable, Purchases 9.99% p.a.",
            "url": "https://bankofus.com.au/personal-loan-interest-rates",
            "citation": {
              "quote": "Variable, Purchases 9.99% p.a.",
              "url": "https://bankofus.com.au/personal-loan-interest-rates#:~:text=Variable%2C%20Purchases%209.99%25%20p.a.",
              "document_sha256": "2d9a7448012c8d5201e1f28b782f8afed152bff2aecf2eaafce06cb680097852",
              "confirmed": "2026-11-12"
            }
          }
        },
        "verified": {
          "eligibility": "found",
          "rate": "found"
        }
      },
      "from_issuer_page": [
        {
          "source": "correction",
          "fields": [
            "restrictions"
          ],
          "confirmed": "2026-11-12",
          "url": "https://bankofus.com.au/cards#:~:text=we%20can%27t%20offer%20this%20product,are%20not%20existing%20Tasmanian%20residents",
          "quote": "we can't offer this product to new customers who are not existing Tasmanian residents"
        }
      ]
    }
  ],
  "rows": [
    {
      "brand": "Bank of us",
      "brand_label": "Bank of us",
      "brand_slug": "bank-of-us",
      "legal_entity_abn": "32087652088",
      "product_id": "Visa_Credit_Card",
      "product_name": "Visa Credit Card",
      "product_label": "Visa Credit Card",
      "product_slug": "visa-credit-card",
      "page": "/au/finance/credit-cards/cards/bank-of-us/visa-credit-card/",
      "product_url": "https://bankofus.com.au/cards",
      "terms_url": "https://bankofus.com.au/source-assets/documents/compliance/61525-Bank-of-Us-Conditions-of-Use-Visa-Credit-Credit-Card-36PP-Cover1Dec2020.pdf",
      "fees_url": "https://bankofus.com.au/source-assets/documents/compliance/Credit-Card-Key-Fact-Sheet_15.02.2022.pdf",
      "eligibility_url": "https://bankofus.com.au/source-assets/documents/compliance/Summary-of-Accounts-Availability-of-Access-Facilities-and-Transaction-Limits-15-July-2024.pdf",
      "card_type": "credit",
      "scheme": "visa",
      "tier": null,
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "purchase_rate_pct": 9.99,
      "purchase_rate_is_base": null,
      "no_interest_card": null,
      "purchase_rate_range_pct": null,
      "cash_advance_rate_pct": 9.99,
      "intro_purchase_rate_pct": null,
      "intro_purchase_months": null,
      "interest_free_days": 58,
      "annual_fee": 39.0,
      "fee_period": "annual",
      "fee_as_stated": 39.0,
      "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": 2.5,
      "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": [
        "limited_eligibility"
      ],
      "who_can_open": {
        "restricted": false,
        "groups": [],
        "open_note": null
      },
      "conditions": [
        "corrected from the bank's own page: new customers must be existing Tasmanian residents, per the bank's cards page on 2026-10-24; 9.99% on purchases per the bank's rates page (checked 2026-10-30)",
        "credit limit $500 to $50,000",
        "$20 late payment fee",
        "$5 fee for a cash advance at an overseas ATM"
      ],
      "ranked": true,
      "unranked_reason": null,
      "source_kind": "feed",
      "record_stale": false,
      "source_url": "https://api.bankofus.com.au/OpenBanking/cds-au/v1/banking/products/Visa_Credit_Card",
      "source_snapshot": "/au/finance/credit-cards/v1/source/bank-of-us/Visa_Credit_Card.json",
      "snapshot_at": "2026-11-12T02:35:43Z",
      "bank_last_updated": "2026-04-13T22:42:12.000+10:00",
      "key_facts_sheet_url": "https://bankofus.com.au/source-assets/documents/compliance/Credit-Card-Key-Fact-Sheet_15.02.2022.pdf",
      "document_links_source": {
        "key_facts_sheet_url": "found by hand 2026-11-01: Key Facts Sheet"
      },
      "correction": {
        "checked": "2026-10-30",
        "note": "new customers must be existing Tasmanian residents, per the bank's cards page on 2026-10-24; 9.99% on purchases per the bank's rates page (checked 2026-10-30)",
        "fields": [
          "restrictions"
        ],
        "quotes": {
          "eligibility": {
            "text": "we can't offer this product to new customers who are not existing Tasmanian residents",
            "url": "https://bankofus.com.au/cards",
            "citation": {
              "quote": "we can't offer this product to new customers who are not existing Tasmanian residents",
              "url": "https://bankofus.com.au/cards#:~:text=we%20can%27t%20offer%20this%20product,are%20not%20existing%20Tasmanian%20residents",
              "document_sha256": "085eb84e2224f37af4535e0cc0d6aac43ba18d0d2d81acb6f8a0a977b95ae105",
              "confirmed": "2026-11-12"
            }
          },
          "rate": {
            "text": "Variable, Purchases 9.99% p.a.",
            "url": "https://bankofus.com.au/personal-loan-interest-rates",
            "citation": {
              "quote": "Variable, Purchases 9.99% p.a.",
              "url": "https://bankofus.com.au/personal-loan-interest-rates#:~:text=Variable%2C%20Purchases%209.99%25%20p.a.",
              "document_sha256": "2d9a7448012c8d5201e1f28b782f8afed152bff2aecf2eaafce06cb680097852",
              "confirmed": "2026-11-12"
            }
          }
        },
        "verified": {
          "eligibility": "found",
          "rate": "found"
        }
      },
      "from_issuer_page": [
        {
          "source": "correction",
          "fields": [
            "restrictions"
          ],
          "confirmed": "2026-11-12",
          "url": "https://bankofus.com.au/cards#:~:text=we%20can%27t%20offer%20this%20product,are%20not%20existing%20Tasmanian%20residents",
          "quote": "we can't offer this product to new customers who are not existing Tasmanian residents"
        }
      ],
      "rate_pct": 9.99,
      "rankings": [
        {
          "segment": "personal",
          "kind": "low_rate",
          "rank": 9,
          "of": 62,
          "hidden_by_default": true
        }
      ]
    }
  ],
  "licence_shared_with": []
}