{
  "brand": "BankVic",
  "brand_label": "BankVic",
  "brand_slug": "bankvic",
  "legal_entity_abn": "33087651661",
  "public_base_uri": "https://ib.bankvic.com.au/openbanking",
  "logo_uri": "https://ib.bankvic.com.au/bvib/App_Themes/BankVicResponsive/images/BankVic-logo.svg",
  "status": "ok",
  "stale": false,
  "bank_last_updated": "2026-08-13T05:52:02Z",
  "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":38,"of":52,"product_label":"Low Rate Visa Credit Card","card_type":"credit","purchase_rate_pct":13.95,"annual_fee":null,"fee_period":null,"annual_fee_stated":false,"interest_free_days":44,"min_credit_limit":1000.0,"max_credit_limit":10000.0,"bt_promo_rate_pct":8.99,"bt_promo_months":6,"bt_fee_pct":null,"bt_revert_rate_pct":13.95,"rewards_program":null,"conditions":"k1","restrictions":[],"record_stale":false},
      {"segment":"personal","kind":"balance_transfer","rank":22,"of":22,"product_label":"Low Rate Visa Credit Card","card_type":"credit","purchase_rate_pct":13.95,"annual_fee":null,"fee_period":null,"annual_fee_stated":false,"interest_free_days":44,"min_credit_limit":1000.0,"max_credit_limit":10000.0,"bt_promo_rate_pct":8.99,"bt_promo_months":6,"bt_fee_pct":null,"bt_revert_rate_pct":13.95,"rewards_program":null,"conditions":"k1","restrictions":[],"record_stale":false},
      {"segment":"personal","kind":"rewards","rank":26,"of":27,"product_label":"Qantas Credit Card","card_type":"credit","purchase_rate_pct":18.95,"annual_fee":null,"fee_period":null,"annual_fee_stated":false,"interest_free_days":55,"min_credit_limit":5000.0,"max_credit_limit":20000.0,"bt_promo_rate_pct":8.99,"bt_promo_months":6,"bt_fee_pct":null,"bt_revert_rate_pct":18.95,"rewards_program":"Earn Qantas Frequent Flyer Points - Earn 1 Qantas point for every $2 you spend","conditions":"k2","restrictions":["occupation_membership"],"record_stale":false}
    ],
    "condition_sets": {
      "k1": [
        "corrected from the bank's own page: 8.99% for the first six months on purchases, per the bank's Key Facts Sheet (correct as at August 2026: \"Promotional Introductory rate of 8.99% p.a. for the first six months\"); the feed says 4.96%; and 8.99% on balance transfers for six months when requested at card application, then the regular purchase rate (13.95%), which its feed carries no offer for",
        "credit limit $1,000 to $10,000",
        "BankVic member",
        "8.99% on balance transfers for 6 months if requested when applying, then the purchase rate"
      ],
      "k2": [
        "corrected from the bank's own page: 8.99% for the first six months on purchases, per the bank's Key Facts Sheet (correct as at August 2026: \"Promotional Introductory rate of 8.99% p.a. for the first six months\"); the feed says 9.96%; and 8.99% on balance transfers for six months when requested at card application, then the regular purchase rate (18.95%), which its feed carries no offer for",
        "credit limit $5,000 to $20,000",
        "BankVic member",
        "Exclusive for Police Association of Victoria members",
        "8.99% on balance transfers for 6 months if requested when applying, then the purchase rate",
        "only for members of approved partner organisations (the card page names the Police Association of Victoria, Australian Federal Police Association, Northern Territory Police Association, Victorian Ambulance Union and United Firefighters Union)",
        "10,000 bonus Qantas Points launch offers for NTPA and UFU members spending $3,000 in 90 days; not for existing BankVic Qantas Visa holders"
      ]
    },
    "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": "S15_VISA_CLASSIC_CREDIT_CA",
      "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/bankvic/low-rate-visa-credit-card/",
      "product_url": "https://www.bankvic.com.au/banking/?filter=Credit-Card",
      "terms_url": "https://cdn.intelligencebank.com/au/share/NZw2/RVzr/yzJw/original/BankVic+Terms+%2526+Conditions",
      "fees_url": "https://cdn.intelligencebank.com/au/share/NZw2/RVzr/dwqA/original/Fees+and+Charges",
      "eligibility_url": "https://www.bankvic.com.au/banking/?filter=Credit-Card",
      "card_type": "credit",
      "scheme": "visa",
      "tier": null,
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "description": "A basic credit card for everyday banking",
      "purchase_rate_pct": 13.95,
      "purchase_rate_is_base": null,
      "no_interest_card": null,
      "purchase_rate_range_pct": null,
      "purchase_rate_note": "6 month introductory rate for 8.99% for Non",
      "cash_advance_rate_pct": 13.95,
      "intro_purchase_rate_pct": 8.99,
      "intro_purchase_months": 6,
      "interest_free_days": 44,
      "annual_fee": null,
      "fee_period": null,
      "fee_as_stated": null,
      "annual_fee_stated": false,
      "annual_fee_note": "the feed lists no annual or monthly card fee, so none is claimed",
      "fee_name": null,
      "fee_offers": [],
      "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": {
        "offers": [],
        "for_new_cards": true,
        "for_existing_customers": null,
        "ongoing_rate_pct": null,
        "fee_pct": null,
        "revert_rate_pct": 13.95,
        "revert_to": "purchase",
        "promo_rate_pct": 8.99,
        "promo_months": 6
      },
      "rewards_program": null,
      "rewards_programs": [],
      "rewards_program_fee": null,
      "bonus_offer": null,
      "cashback_offer": null,
      "insurances": [],
      "digital_wallets": [
        "Apple Pay",
        "Google Pay",
        "Fitbit Pay",
        "Garmin Pay",
        "Samsung Pay"
      ],
      "instalment_plan": false,
      "additional_cards": null,
      "additional_cards_offered": true,
      "min_credit_limit": 1000.0,
      "max_credit_limit": 10000.0,
      "min_income": null,
      "min_age": 18,
      "restrictions": [],
      "who_can_open": {
        "restricted": false,
        "groups": [],
        "open_note": null
      },
      "conditions": [
        "corrected from the bank's own page: 8.99% for the first six months on purchases, per the bank's Key Facts Sheet (correct as at August 2026: \"Promotional Introductory rate of 8.99% p.a. for the first six months\"); the feed says 4.96%; and 8.99% on balance transfers for six months when requested at card application, then the regular purchase rate (13.95%), which its feed carries no offer for",
        "credit limit $1,000 to $10,000",
        "BankVic member",
        "8.99% on balance transfers for 6 months if requested when applying, then the purchase rate"
      ],
      "eligibility": [
        "BankVic member"
      ],
      "ranked": true,
      "unranked_reason": null,
      "rankings": [
        {
          "segment": "personal",
          "kind": "low_rate",
          "rank": 38,
          "of": 52,
          "hidden_by_default": null
        },
        {
          "segment": "personal",
          "kind": "balance_transfer",
          "rank": 22,
          "of": 22,
          "hidden_by_default": null
        }
      ],
      "source_kind": "feed",
      "record_stale": false,
      "source_url": "https://ib.bankvic.com.au/openbanking/cds-au/v1/banking/products/S15_VISA_CLASSIC_CREDIT_CA",
      "source_snapshot": "/au/finance/credit-cards/v1/source/bankvic/S15_VISA_CLASSIC_CREDIT_CA.json",
      "snapshot_at": "2026-10-24T09:57:49Z",
      "bank_last_updated": "2025-11-21T14:27:08.000+11:00",
      "key_facts_sheet_url": "https://www.bankvic.com.au/documents/af6b7de938654201bad8b7d7c1596017.pdf",
      "document_links_source": {
        "key_facts_sheet_url": "found by hand 2026-11-01: Key Facts Sheet"
      },
      "correction": {
        "checked": "2026-11-05",
        "note": "8.99% for the first six months on purchases, per the bank's Key Facts Sheet (correct as at August 2026: \"Promotional Introductory rate of 8.99% p.a. for the first six months\"); the feed says 4.96%; and 8.99% on balance transfers for six months when requested at card application, then the regular purchase rate (13.95%), which its feed carries no offer for",
        "fields": [
          "intro_purchase_months",
          "intro_purchase_rate_pct",
          "balance_transfer",
          "conditions"
        ],
        "quotes": {
          "intro": {
            "text": "Promotional Introductory rate of 8.99% p.a. for the first six months",
            "url": "https://www.bankvic.com.au/documents/af6b7de938654201bad8b7d7c1596017.pdf",
            "citation": {
              "quote": "Promotional Introductory rate of 8.99% p.a. for the first six months",
              "url": "https://www.bankvic.com.au/documents/af6b7de938654201bad8b7d7c1596017.pdf#page=1",
              "page": 1,
              "document_sha256": "c64f68391664d65ce972a755a88a40e60f527b89f15b978b5aac79ef2680635a",
              "confirmed": "2026-11-12"
            }
          },
          "balance_transfer": {
            "text": "8.99% p.a. for six months on Balance Transfers when requested at card application.",
            "url": "https://www.bankvic.com.au/documents/af6b7de938654201bad8b7d7c1596017.pdf",
            "citation": {
              "quote": "8.99% p.a. for six months on Balance Transfers when requested at card application.",
              "url": "https://www.bankvic.com.au/documents/af6b7de938654201bad8b7d7c1596017.pdf#page=1",
              "page": 1,
              "document_sha256": "c64f68391664d65ce972a755a88a40e60f527b89f15b978b5aac79ef2680635a",
              "confirmed": "2026-11-12"
            }
          },
          "balance_transfer_revert": {
            "text": "Regular purchase interest rate applies after the promotional period.",
            "url": "https://www.bankvic.com.au/documents/af6b7de938654201bad8b7d7c1596017.pdf",
            "citation": {
              "quote": "Regular purchase interest rate applies after the promotional period.",
              "url": "https://www.bankvic.com.au/documents/af6b7de938654201bad8b7d7c1596017.pdf#page=1",
              "page": 1,
              "document_sha256": "c64f68391664d65ce972a755a88a40e60f527b89f15b978b5aac79ef2680635a",
              "confirmed": "2026-11-12"
            }
          }
        },
        "verified": {
          "intro": "found",
          "balance_transfer": "found",
          "balance_transfer_revert": "found"
        }
      },
      "from_issuer_page": [
        {
          "source": "correction",
          "fields": [
            "intro_purchase_rate_pct",
            "intro_purchase_months",
            "bt_promo_rate_pct",
            "bt_promo_months",
            "bt_revert_rate_pct"
          ],
          "confirmed": "2026-11-12",
          "url": "https://www.bankvic.com.au/documents/af6b7de938654201bad8b7d7c1596017.pdf#page=1",
          "quote": "Promotional Introductory rate of 8.99% p.a. for the first six months"
        }
      ]
    },
    {
      "product_id": "S17_QANTAS_CREDIT_CARD",
      "product_name": "Qantas Credit Card",
      "product_label": "Qantas Credit Card",
      "product_slug": "qantas-credit-card",
      "page": "/au/finance/credit-cards/cards/bankvic/qantas-credit-card/",
      "product_url": "https://www.bankvic.com.au/banking/?filter=Credit-Card",
      "terms_url": "https://www.bankvic.com.au/documents/58127f7d78afc87224c94d64424e918a.pdf",
      "fees_url": "https://cdn.intelligencebank.com/au/share/NZw2/RVzr/dwqA/original/Fees+and+Charges",
      "eligibility_url": "https://www.bankvic.com.au/banking/?filter=Credit-Card",
      "card_type": "credit",
      "scheme": null,
      "tier": null,
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "description": "For Police Association of Victoria, Australian Federal Police Association, Northern Territory Police Association, Victorian Ambulance Union and United Firefighters Union members",
      "purchase_rate_pct": 18.95,
      "purchase_rate_is_base": null,
      "no_interest_card": null,
      "purchase_rate_range_pct": null,
      "purchase_rate_note": "6 month introductory rate",
      "cash_advance_rate_pct": 18.95,
      "intro_purchase_rate_pct": 8.99,
      "intro_purchase_months": 6,
      "interest_free_days": 55,
      "annual_fee": null,
      "fee_period": null,
      "fee_as_stated": null,
      "annual_fee_stated": false,
      "annual_fee_note": "the feed lists no annual or monthly card fee, so none is claimed",
      "fee_name": null,
      "fee_offers": [],
      "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": {
        "offers": [],
        "for_new_cards": true,
        "for_existing_customers": null,
        "ongoing_rate_pct": null,
        "fee_pct": null,
        "revert_rate_pct": 18.95,
        "revert_to": "purchase",
        "promo_rate_pct": 8.99,
        "promo_months": 6
      },
      "rewards_program": "Earn Qantas Frequent Flyer Points - Earn 1 Qantas point for every $2 you spend",
      "rewards_programs": [
        "Earn Qantas Frequent Flyer Points - Earn 1 Qantas point for every $2 you spend"
      ],
      "rewards_program_fee": null,
      "bonus_offer": null,
      "cashback_offer": null,
      "insurances": [
        "Complimentary International Travel Insurance**"
      ],
      "digital_wallets": [
        "Apple Pay",
        "Google Pay",
        "Fitbit Pay",
        "Garmin Pay",
        "Samsung Pay"
      ],
      "instalment_plan": false,
      "additional_cards": null,
      "additional_cards_offered": true,
      "min_credit_limit": 5000.0,
      "max_credit_limit": 20000.0,
      "min_income": null,
      "min_age": 18,
      "restrictions": [
        "occupation_membership"
      ],
      "who_can_open": {
        "restricted": true,
        "groups": [
          {
            "kind": "occupation",
            "who": "only for members of approved partner organisations (the card page names the Police Association of Victoria, Australian Federal Police Association, Northern Territory Police Association, Victorian Ambulance Union and United Firefighters Union)",
            "level": "product",
            "quote": "The BankVic Qantas Visa Credit Card is an exclusive offering for eligible members of approved partner organisations.",
            "source": "https://cdn.intelligencebank.com/au/share/NZw2/LPPrN/gBvWl/original/Qantas+Visa+Credit+Card+TMD",
            "citation": {
              "quote": "The BankVic Qantas Visa Credit Card is an exclusive offering for eligible members of approved partner organisations.",
              "url": "https://cdn.intelligencebank.com/au/share/NZw2/LPPrN/gBvWl/original/Qantas+Visa+Credit+Card+TMD#page=1",
              "page": 1,
              "document_sha256": "bf5a19e04db953ee5f778ca67aaaab5c8fe543f8e810fd5e8c9b82f0707230ea",
              "confirmed": "2026-11-12"
            }
          }
        ],
        "open_note": null
      },
      "conditions": [
        "corrected from the bank's own page: 8.99% for the first six months on purchases, per the bank's Key Facts Sheet (correct as at August 2026: \"Promotional Introductory rate of 8.99% p.a. for the first six months\"); the feed says 9.96%; and 8.99% on balance transfers for six months when requested at card application, then the regular purchase rate (18.95%), which its feed carries no offer for",
        "credit limit $5,000 to $20,000",
        "BankVic member",
        "Exclusive for Police Association of Victoria members",
        "8.99% on balance transfers for 6 months if requested when applying, then the purchase rate",
        "only for members of approved partner organisations (the card page names the Police Association of Victoria, Australian Federal Police Association, Northern Territory Police Association, Victorian Ambulance Union and United Firefighters Union)",
        "10,000 bonus Qantas Points launch offers for NTPA and UFU members spending $3,000 in 90 days; not for existing BankVic Qantas Visa holders"
      ],
      "eligibility": [
        "BankVic member",
        "Exclusive for Police Association of Victoria members"
      ],
      "ranked": true,
      "unranked_reason": null,
      "rankings": [
        {
          "segment": "personal",
          "kind": "rewards",
          "rank": 26,
          "of": 27,
          "hidden_by_default": true
        }
      ],
      "source_kind": "feed",
      "record_stale": false,
      "source_url": "https://ib.bankvic.com.au/openbanking/cds-au/v1/banking/products/S17_QANTAS_CREDIT_CARD",
      "source_snapshot": "/au/finance/credit-cards/v1/source/bankvic/S17_QANTAS_CREDIT_CARD.json",
      "snapshot_at": "2026-10-24T09:57:49Z",
      "bank_last_updated": "2026-08-13T15:52:02.000+10:00",
      "document_links_source": {
        "terms_url": "found by hand 2026-11-01: terms and conditions",
        "key_facts_sheet_url": "found by hand 2026-11-01: Key Facts Sheet"
      },
      "key_facts_sheet_url": "https://www.bankvic.com.au/documents/af6b7de938654201bad8b7d7c1596017.pdf",
      "correction": {
        "checked": "2026-11-05",
        "note": "8.99% for the first six months on purchases, per the bank's Key Facts Sheet (correct as at August 2026: \"Promotional Introductory rate of 8.99% p.a. for the first six months\"); the feed says 9.96%; and 8.99% on balance transfers for six months when requested at card application, then the regular purchase rate (18.95%), which its feed carries no offer for",
        "fields": [
          "intro_purchase_months",
          "intro_purchase_rate_pct",
          "balance_transfer",
          "conditions"
        ],
        "quotes": {
          "intro": {
            "text": "Promotional Introductory rate of 8.99% p.a. for the first six months",
            "url": "https://www.bankvic.com.au/documents/af6b7de938654201bad8b7d7c1596017.pdf",
            "citation": {
              "quote": "Promotional Introductory rate of 8.99% p.a. for the first six months",
              "url": "https://www.bankvic.com.au/documents/af6b7de938654201bad8b7d7c1596017.pdf#page=1",
              "page": 1,
              "document_sha256": "c64f68391664d65ce972a755a88a40e60f527b89f15b978b5aac79ef2680635a",
              "confirmed": "2026-11-12"
            }
          },
          "balance_transfer": {
            "text": "8.99% p.a. for six months on Balance Transfers when requested at card application.",
            "url": "https://www.bankvic.com.au/documents/af6b7de938654201bad8b7d7c1596017.pdf",
            "citation": {
              "quote": "8.99% p.a. for six months on Balance Transfers when requested at card application.",
              "url": "https://www.bankvic.com.au/documents/af6b7de938654201bad8b7d7c1596017.pdf#page=1",
              "page": 1,
              "document_sha256": "c64f68391664d65ce972a755a88a40e60f527b89f15b978b5aac79ef2680635a",
              "confirmed": "2026-11-12"
            }
          },
          "balance_transfer_revert": {
            "text": "Regular purchase interest rate applies after the promotional period.",
            "url": "https://www.bankvic.com.au/documents/af6b7de938654201bad8b7d7c1596017.pdf",
            "citation": {
              "quote": "Regular purchase interest rate applies after the promotional period.",
              "url": "https://www.bankvic.com.au/documents/af6b7de938654201bad8b7d7c1596017.pdf#page=1",
              "page": 1,
              "document_sha256": "c64f68391664d65ce972a755a88a40e60f527b89f15b978b5aac79ef2680635a",
              "confirmed": "2026-11-12"
            }
          }
        },
        "verified": {
          "intro": "found",
          "balance_transfer": "found",
          "balance_transfer_revert": "found"
        }
      },
      "from_issuer_page": [
        {
          "source": "correction",
          "fields": [
            "intro_purchase_rate_pct",
            "intro_purchase_months",
            "bt_promo_rate_pct",
            "bt_promo_months",
            "bt_revert_rate_pct"
          ],
          "confirmed": "2026-11-12",
          "url": "https://www.bankvic.com.au/documents/af6b7de938654201bad8b7d7c1596017.pdf#page=1",
          "quote": "Promotional Introductory rate of 8.99% p.a. for the first six months"
        },
        {
          "source": "watched_term",
          "fields": [
            "restrictions"
          ],
          "confirmed": "2026-11-12",
          "url": "https://cdn.intelligencebank.com/au/share/NZw2/LPPrN/gBvWl/original/Qantas+Visa+Credit+Card+TMD#page=1",
          "quote": "The BankVic Qantas Visa Credit Card is an exclusive offering for eligible members of approved partner organisations."
        }
      ]
    }
  ],
  "rows": [
    {
      "brand": "BankVic",
      "brand_label": "BankVic",
      "brand_slug": "bankvic",
      "legal_entity_abn": "33087651661",
      "product_id": "S15_VISA_CLASSIC_CREDIT_CA",
      "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/bankvic/low-rate-visa-credit-card/",
      "product_url": "https://www.bankvic.com.au/banking/?filter=Credit-Card",
      "terms_url": "https://cdn.intelligencebank.com/au/share/NZw2/RVzr/yzJw/original/BankVic+Terms+%2526+Conditions",
      "fees_url": "https://cdn.intelligencebank.com/au/share/NZw2/RVzr/dwqA/original/Fees+and+Charges",
      "eligibility_url": "https://www.bankvic.com.au/banking/?filter=Credit-Card",
      "card_type": "credit",
      "scheme": "visa",
      "tier": null,
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "purchase_rate_pct": 13.95,
      "purchase_rate_is_base": null,
      "no_interest_card": null,
      "purchase_rate_range_pct": null,
      "cash_advance_rate_pct": 13.95,
      "intro_purchase_rate_pct": 8.99,
      "intro_purchase_months": 6,
      "interest_free_days": 44,
      "annual_fee": null,
      "fee_period": null,
      "fee_as_stated": null,
      "annual_fee_stated": false,
      "annual_fee_note": "the feed lists no annual or monthly card fee, so none is claimed",
      "fee_name": null,
      "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": 8.99,
      "bt_promo_months": 6,
      "bt_fee_pct": null,
      "bt_revert_rate_pct": 13.95,
      "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",
        "Fitbit Pay",
        "Garmin Pay",
        "Samsung Pay"
      ],
      "instalment_plan": false,
      "additional_cards": null,
      "additional_cards_offered": true,
      "min_credit_limit": 1000.0,
      "max_credit_limit": 10000.0,
      "min_income": null,
      "min_age": 18,
      "restrictions": [],
      "who_can_open": {
        "restricted": false,
        "groups": [],
        "open_note": null
      },
      "conditions": [
        "corrected from the bank's own page: 8.99% for the first six months on purchases, per the bank's Key Facts Sheet (correct as at August 2026: \"Promotional Introductory rate of 8.99% p.a. for the first six months\"); the feed says 4.96%; and 8.99% on balance transfers for six months when requested at card application, then the regular purchase rate (13.95%), which its feed carries no offer for",
        "credit limit $1,000 to $10,000",
        "BankVic member",
        "8.99% on balance transfers for 6 months if requested when applying, then the purchase rate"
      ],
      "ranked": true,
      "unranked_reason": null,
      "source_kind": "feed",
      "record_stale": false,
      "source_url": "https://ib.bankvic.com.au/openbanking/cds-au/v1/banking/products/S15_VISA_CLASSIC_CREDIT_CA",
      "source_snapshot": "/au/finance/credit-cards/v1/source/bankvic/S15_VISA_CLASSIC_CREDIT_CA.json",
      "snapshot_at": "2026-11-12T02:35:44Z",
      "bank_last_updated": "2025-11-21T14:27:08.000+11:00",
      "key_facts_sheet_url": "https://www.bankvic.com.au/documents/af6b7de938654201bad8b7d7c1596017.pdf",
      "document_links_source": {
        "key_facts_sheet_url": "found by hand 2026-11-01: Key Facts Sheet"
      },
      "correction": {
        "checked": "2026-11-05",
        "note": "8.99% for the first six months on purchases, per the bank's Key Facts Sheet (correct as at August 2026: \"Promotional Introductory rate of 8.99% p.a. for the first six months\"); the feed says 4.96%; and 8.99% on balance transfers for six months when requested at card application, then the regular purchase rate (13.95%), which its feed carries no offer for",
        "fields": [
          "intro_purchase_months",
          "intro_purchase_rate_pct",
          "balance_transfer",
          "conditions"
        ],
        "quotes": {
          "intro": {
            "text": "Promotional Introductory rate of 8.99% p.a. for the first six months",
            "url": "https://www.bankvic.com.au/documents/af6b7de938654201bad8b7d7c1596017.pdf",
            "citation": {
              "quote": "Promotional Introductory rate of 8.99% p.a. for the first six months",
              "url": "https://www.bankvic.com.au/documents/af6b7de938654201bad8b7d7c1596017.pdf#page=1",
              "page": 1,
              "document_sha256": "c64f68391664d65ce972a755a88a40e60f527b89f15b978b5aac79ef2680635a",
              "confirmed": "2026-11-12"
            }
          },
          "balance_transfer": {
            "text": "8.99% p.a. for six months on Balance Transfers when requested at card application.",
            "url": "https://www.bankvic.com.au/documents/af6b7de938654201bad8b7d7c1596017.pdf",
            "citation": {
              "quote": "8.99% p.a. for six months on Balance Transfers when requested at card application.",
              "url": "https://www.bankvic.com.au/documents/af6b7de938654201bad8b7d7c1596017.pdf#page=1",
              "page": 1,
              "document_sha256": "c64f68391664d65ce972a755a88a40e60f527b89f15b978b5aac79ef2680635a",
              "confirmed": "2026-11-12"
            }
          },
          "balance_transfer_revert": {
            "text": "Regular purchase interest rate applies after the promotional period.",
            "url": "https://www.bankvic.com.au/documents/af6b7de938654201bad8b7d7c1596017.pdf",
            "citation": {
              "quote": "Regular purchase interest rate applies after the promotional period.",
              "url": "https://www.bankvic.com.au/documents/af6b7de938654201bad8b7d7c1596017.pdf#page=1",
              "page": 1,
              "document_sha256": "c64f68391664d65ce972a755a88a40e60f527b89f15b978b5aac79ef2680635a",
              "confirmed": "2026-11-12"
            }
          }
        },
        "verified": {
          "intro": "found",
          "balance_transfer": "found",
          "balance_transfer_revert": "found"
        }
      },
      "from_issuer_page": [
        {
          "source": "correction",
          "fields": [
            "intro_purchase_rate_pct",
            "intro_purchase_months",
            "bt_promo_rate_pct",
            "bt_promo_months",
            "bt_revert_rate_pct"
          ],
          "confirmed": "2026-11-12",
          "url": "https://www.bankvic.com.au/documents/af6b7de938654201bad8b7d7c1596017.pdf#page=1",
          "quote": "Promotional Introductory rate of 8.99% p.a. for the first six months"
        }
      ],
      "rate_pct": 13.95,
      "rankings": [
        {
          "segment": "personal",
          "kind": "low_rate",
          "rank": 38,
          "of": 52,
          "hidden_by_default": null
        },
        {
          "segment": "personal",
          "kind": "balance_transfer",
          "rank": 22,
          "of": 22,
          "hidden_by_default": null
        }
      ]
    },
    {
      "brand": "BankVic",
      "brand_label": "BankVic",
      "brand_slug": "bankvic",
      "legal_entity_abn": "33087651661",
      "product_id": "S17_QANTAS_CREDIT_CARD",
      "product_name": "Qantas Credit Card",
      "product_label": "Qantas Credit Card",
      "product_slug": "qantas-credit-card",
      "page": "/au/finance/credit-cards/cards/bankvic/qantas-credit-card/",
      "product_url": "https://www.bankvic.com.au/banking/?filter=Credit-Card",
      "terms_url": "https://www.bankvic.com.au/documents/58127f7d78afc87224c94d64424e918a.pdf",
      "fees_url": "https://cdn.intelligencebank.com/au/share/NZw2/RVzr/dwqA/original/Fees+and+Charges",
      "eligibility_url": "https://www.bankvic.com.au/banking/?filter=Credit-Card",
      "card_type": "credit",
      "scheme": null,
      "tier": null,
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "purchase_rate_pct": 18.95,
      "purchase_rate_is_base": null,
      "no_interest_card": null,
      "purchase_rate_range_pct": null,
      "cash_advance_rate_pct": 18.95,
      "intro_purchase_rate_pct": 8.99,
      "intro_purchase_months": 6,
      "interest_free_days": 55,
      "annual_fee": null,
      "fee_period": null,
      "fee_as_stated": null,
      "annual_fee_stated": false,
      "annual_fee_note": "the feed lists no annual or monthly card fee, so none is claimed",
      "fee_name": null,
      "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": 8.99,
      "bt_promo_months": 6,
      "bt_fee_pct": null,
      "bt_revert_rate_pct": 18.95,
      "bt_revert_to": "purchase",
      "rewards_program": "Earn Qantas Frequent Flyer Points - Earn 1 Qantas point for every $2 you spend",
      "rewards_programs": [
        "Earn Qantas Frequent Flyer Points - Earn 1 Qantas point for every $2 you spend"
      ],
      "rewards_program_fee": null,
      "bonus_offer": null,
      "cashback_offer": null,
      "digital_wallets": [
        "Apple Pay",
        "Google Pay",
        "Fitbit Pay",
        "Garmin Pay",
        "Samsung Pay"
      ],
      "instalment_plan": false,
      "additional_cards": null,
      "additional_cards_offered": true,
      "min_credit_limit": 5000.0,
      "max_credit_limit": 20000.0,
      "min_income": null,
      "min_age": 18,
      "restrictions": [
        "occupation_membership"
      ],
      "who_can_open": {
        "restricted": true,
        "groups": [
          {
            "kind": "occupation",
            "who": "only for members of approved partner organisations (the card page names the Police Association of Victoria, Australian Federal Police Association, Northern Territory Police Association, Victorian Ambulance Union and United Firefighters Union)",
            "level": "product",
            "quote": "The BankVic Qantas Visa Credit Card is an exclusive offering for eligible members of approved partner organisations.",
            "source": "https://cdn.intelligencebank.com/au/share/NZw2/LPPrN/gBvWl/original/Qantas+Visa+Credit+Card+TMD",
            "citation": {
              "quote": "The BankVic Qantas Visa Credit Card is an exclusive offering for eligible members of approved partner organisations.",
              "url": "https://cdn.intelligencebank.com/au/share/NZw2/LPPrN/gBvWl/original/Qantas+Visa+Credit+Card+TMD#page=1",
              "page": 1,
              "document_sha256": "bf5a19e04db953ee5f778ca67aaaab5c8fe543f8e810fd5e8c9b82f0707230ea",
              "confirmed": "2026-11-12"
            }
          }
        ],
        "open_note": null
      },
      "conditions": [
        "corrected from the bank's own page: 8.99% for the first six months on purchases, per the bank's Key Facts Sheet (correct as at August 2026: \"Promotional Introductory rate of 8.99% p.a. for the first six months\"); the feed says 9.96%; and 8.99% on balance transfers for six months when requested at card application, then the regular purchase rate (18.95%), which its feed carries no offer for",
        "credit limit $5,000 to $20,000",
        "BankVic member",
        "Exclusive for Police Association of Victoria members",
        "8.99% on balance transfers for 6 months if requested when applying, then the purchase rate",
        "only for members of approved partner organisations (the card page names the Police Association of Victoria, Australian Federal Police Association, Northern Territory Police Association, Victorian Ambulance Union and United Firefighters Union)",
        "10,000 bonus Qantas Points launch offers for NTPA and UFU members spending $3,000 in 90 days; not for existing BankVic Qantas Visa holders"
      ],
      "ranked": true,
      "unranked_reason": null,
      "source_kind": "feed",
      "record_stale": false,
      "source_url": "https://ib.bankvic.com.au/openbanking/cds-au/v1/banking/products/S17_QANTAS_CREDIT_CARD",
      "source_snapshot": "/au/finance/credit-cards/v1/source/bankvic/S17_QANTAS_CREDIT_CARD.json",
      "snapshot_at": "2026-11-12T02:35:44Z",
      "bank_last_updated": "2026-08-13T15:52:02.000+10:00",
      "document_links_source": {
        "terms_url": "found by hand 2026-11-01: terms and conditions",
        "key_facts_sheet_url": "found by hand 2026-11-01: Key Facts Sheet"
      },
      "key_facts_sheet_url": "https://www.bankvic.com.au/documents/af6b7de938654201bad8b7d7c1596017.pdf",
      "correction": {
        "checked": "2026-11-05",
        "note": "8.99% for the first six months on purchases, per the bank's Key Facts Sheet (correct as at August 2026: \"Promotional Introductory rate of 8.99% p.a. for the first six months\"); the feed says 9.96%; and 8.99% on balance transfers for six months when requested at card application, then the regular purchase rate (18.95%), which its feed carries no offer for",
        "fields": [
          "intro_purchase_months",
          "intro_purchase_rate_pct",
          "balance_transfer",
          "conditions"
        ],
        "quotes": {
          "intro": {
            "text": "Promotional Introductory rate of 8.99% p.a. for the first six months",
            "url": "https://www.bankvic.com.au/documents/af6b7de938654201bad8b7d7c1596017.pdf",
            "citation": {
              "quote": "Promotional Introductory rate of 8.99% p.a. for the first six months",
              "url": "https://www.bankvic.com.au/documents/af6b7de938654201bad8b7d7c1596017.pdf#page=1",
              "page": 1,
              "document_sha256": "c64f68391664d65ce972a755a88a40e60f527b89f15b978b5aac79ef2680635a",
              "confirmed": "2026-11-12"
            }
          },
          "balance_transfer": {
            "text": "8.99% p.a. for six months on Balance Transfers when requested at card application.",
            "url": "https://www.bankvic.com.au/documents/af6b7de938654201bad8b7d7c1596017.pdf",
            "citation": {
              "quote": "8.99% p.a. for six months on Balance Transfers when requested at card application.",
              "url": "https://www.bankvic.com.au/documents/af6b7de938654201bad8b7d7c1596017.pdf#page=1",
              "page": 1,
              "document_sha256": "c64f68391664d65ce972a755a88a40e60f527b89f15b978b5aac79ef2680635a",
              "confirmed": "2026-11-12"
            }
          },
          "balance_transfer_revert": {
            "text": "Regular purchase interest rate applies after the promotional period.",
            "url": "https://www.bankvic.com.au/documents/af6b7de938654201bad8b7d7c1596017.pdf",
            "citation": {
              "quote": "Regular purchase interest rate applies after the promotional period.",
              "url": "https://www.bankvic.com.au/documents/af6b7de938654201bad8b7d7c1596017.pdf#page=1",
              "page": 1,
              "document_sha256": "c64f68391664d65ce972a755a88a40e60f527b89f15b978b5aac79ef2680635a",
              "confirmed": "2026-11-12"
            }
          }
        },
        "verified": {
          "intro": "found",
          "balance_transfer": "found",
          "balance_transfer_revert": "found"
        }
      },
      "from_issuer_page": [
        {
          "source": "correction",
          "fields": [
            "intro_purchase_rate_pct",
            "intro_purchase_months",
            "bt_promo_rate_pct",
            "bt_promo_months",
            "bt_revert_rate_pct"
          ],
          "confirmed": "2026-11-12",
          "url": "https://www.bankvic.com.au/documents/af6b7de938654201bad8b7d7c1596017.pdf#page=1",
          "quote": "Promotional Introductory rate of 8.99% p.a. for the first six months"
        },
        {
          "source": "watched_term",
          "fields": [
            "restrictions"
          ],
          "confirmed": "2026-11-12",
          "url": "https://cdn.intelligencebank.com/au/share/NZw2/LPPrN/gBvWl/original/Qantas+Visa+Credit+Card+TMD#page=1",
          "quote": "The BankVic Qantas Visa Credit Card is an exclusive offering for eligible members of approved partner organisations."
        }
      ],
      "rate_pct": 18.95,
      "rankings": [
        {
          "segment": "personal",
          "kind": "rewards",
          "rank": 26,
          "of": 27,
          "hidden_by_default": true
        }
      ]
    }
  ],
  "licence_shared_with": []
}