{
  "brand": "BCU Bank",
  "brand_label": "BCU Bank",
  "brand_slug": "bcu-bank",
  "legal_entity_abn": "69087651876",
  "public_base_uri": "https://public.cdr-api.bcu.com.au",
  "logo_uri": "https://digital.bcu.com.au/globalassets/internet-banking/onboarding/logo-small.png",
  "status": "ok",
  "stale": false,
  "bank_last_updated": "2026-07-10T14:00:53Z",
  "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":15,"of":52,"product_label":"Classic Credit Card","card_type":"credit","purchase_rate_pct":11.95,"annual_fee":45.0,"fee_period":"annual","annual_fee_stated":true,"interest_free_days":52,"min_credit_limit":500.0,"max_credit_limit":100000.0,"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 $100,000",
        "Credit eligibilty criteria, terms and conditions, fees and charges apply.",
        "You must be or become a BCU Bank member",
        "3% foreign currency conversion fee",
        "interest-free only when the month-end balance is paid in full by the 21st of the next month"
      ]
    },
    "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": "162",
      "product_name": "Classic Credit Card",
      "product_label": "Classic Credit Card",
      "product_slug": "classic-credit-card",
      "page": "/au/finance/credit-cards/cards/bcu-bank/classic-credit-card/",
      "product_url": "https://www.bcu.com.au/cards/credit-cards/classic-credit-card/",
      "terms_url": "https://www.bcu.com.au/important-information/terms-and-conditions/credit-card-conditions-of-use/",
      "fees_url": "https://www.bcu.com.au/help-centre/fees-and-charges/credit-card-fees-and-charges/",
      "eligibility_url": null,
      "card_type": "credit",
      "scheme": "visa",
      "tier": null,
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "description": "Our Classic Credit Card offers a competitive rate, up to 52 days interest free, and is protected by Visa's Zero Liability policy.",
      "purchase_rate_pct": 11.95,
      "purchase_rate_is_base": null,
      "no_interest_card": null,
      "purchase_rate_range_pct": null,
      "purchase_rate_note": "Up to 52 days interest free on eligible purchases",
      "cash_advance_rate_pct": 14.8,
      "intro_purchase_rate_pct": null,
      "intro_purchase_months": null,
      "interest_free_days": 52,
      "annual_fee": 45.0,
      "fee_period": "annual",
      "fee_as_stated": 45.0,
      "annual_fee_stated": true,
      "annual_fee_note": null,
      "fee_name": "Credit Card Annual Fee",
      "fee_offers": [],
      "first_year_fee_waived": false,
      "fee_waived_for_group": null,
      "foreign_transaction_fee_pct": null,
      "foreign_transaction_fee": 0.0,
      "cash_advance_fee_pct": null,
      "cash_advance_fee": null,
      "late_payment_fee": 5.0,
      "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": [
        "Apple Pay",
        "Google Pay",
        "Samsung Pay"
      ],
      "instalment_plan": false,
      "additional_cards": null,
      "additional_cards_offered": true,
      "min_credit_limit": 500.0,
      "max_credit_limit": 100000.0,
      "min_income": null,
      "min_age": 18,
      "restrictions": [],
      "who_can_open": {
        "restricted": false,
        "groups": [],
        "open_note": null
      },
      "conditions": [
        "credit limit $500 to $100,000",
        "Credit eligibilty criteria, terms and conditions, fees and charges apply.",
        "You must be or become a BCU Bank member",
        "3% foreign currency conversion fee",
        "interest-free only when the month-end balance is paid in full by the 21st of the next month"
      ],
      "eligibility": [
        "Credit eligibilty criteria, terms and conditions, fees and charges apply.",
        "You must be or become a BCU Bank member"
      ],
      "ranked": true,
      "unranked_reason": null,
      "rankings": [
        {
          "segment": "personal",
          "kind": "low_rate",
          "rank": 15,
          "of": 52,
          "hidden_by_default": null
        }
      ],
      "source_kind": "feed",
      "record_stale": false,
      "source_url": "https://public.cdr-api.bcu.com.au/cds-au/v1/banking/products/162",
      "source_snapshot": "/au/finance/credit-cards/v1/source/bcu-bank/162.json",
      "snapshot_at": "2026-10-24T09:57:51Z",
      "bank_last_updated": "2026-07-10T14:00:53.0189421Z",
      "key_facts_sheet_url": "https://www.bcu.com.au/important-information/terms-and-conditions/credit-card-key-facts-sheet/",
      "document_links_source": {
        "key_facts_sheet_url": "found by hand 2026-11-01: Key Facts Sheet"
      },
      "from_issuer_page": null
    },
    {
      "product_id": "164",
      "product_name": "Rewards Credit Card",
      "product_label": "Rewards Credit Card",
      "product_slug": "rewards-credit-card",
      "page": "/au/finance/credit-cards/cards/bcu-bank/rewards-credit-card/",
      "product_url": "https://www.bcu.com.au/cards/credit-cards/rewards-credit-card/",
      "terms_url": "https://www.bcu.com.au/important-information/terms-and-conditions/credit-card-conditions-of-use/",
      "fees_url": "https://www.bcu.com.au/help-centre/fees-and-charges/credit-card-fees-and-charges/",
      "eligibility_url": null,
      "card_type": "credit",
      "scheme": "visa",
      "tier": null,
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "description": "Get cashback on eligible purchases with a BCU Rewards Credit Card, as well as features such as fraud monitoring and Verified by Visa protection.",
      "purchase_rate_pct": 13.05,
      "purchase_rate_is_base": null,
      "no_interest_card": null,
      "purchase_rate_range_pct": null,
      "purchase_rate_note": "Up to 52 days interest free on eligible purchases",
      "cash_advance_rate_pct": 14.8,
      "intro_purchase_rate_pct": null,
      "intro_purchase_months": null,
      "interest_free_days": 52,
      "annual_fee": 89.0,
      "fee_period": "annual",
      "fee_as_stated": 89.0,
      "annual_fee_stated": true,
      "annual_fee_note": null,
      "fee_name": "Credit Card Annual Fee",
      "fee_offers": [],
      "first_year_fee_waived": false,
      "fee_waived_for_group": null,
      "foreign_transaction_fee_pct": null,
      "foreign_transaction_fee": 0.0,
      "cash_advance_fee_pct": null,
      "cash_advance_fee": null,
      "late_payment_fee": 5.0,
      "additional_cardholder_fee": null,
      "balance_transfer": null,
      "rewards_program": null,
      "rewards_programs": [],
      "rewards_program_fee": null,
      "bonus_offer": "500 Earn cashback on eligible transactions, up to a maximum of $500 annually. Please refer to the terms and conditions for full details.",
      "cashback_offer": null,
      "insurances": [],
      "digital_wallets": [
        "Apple Pay",
        "Google Pay",
        "Samsung Pay"
      ],
      "instalment_plan": false,
      "additional_cards": null,
      "additional_cards_offered": true,
      "min_credit_limit": 500.0,
      "max_credit_limit": 100000.0,
      "min_income": null,
      "min_age": 18,
      "restrictions": [],
      "who_can_open": {
        "restricted": false,
        "groups": [],
        "open_note": null
      },
      "conditions": [
        "credit limit $500 to $100,000",
        "Credit eligibilty criteria, terms and conditions, fees and charges apply.",
        "You must be or become a BCU Bank member",
        "3% foreign currency conversion fee",
        "interest-free only when the month-end balance is paid in full by the 21st of the next month"
      ],
      "eligibility": [
        "Credit eligibilty criteria, terms and conditions, fees and charges apply.",
        "You must be or become a BCU Bank member"
      ],
      "ranked": true,
      "unranked_reason": null,
      "rankings": [],
      "source_kind": "feed",
      "record_stale": false,
      "source_url": "https://public.cdr-api.bcu.com.au/cds-au/v1/banking/products/164",
      "source_snapshot": "/au/finance/credit-cards/v1/source/bcu-bank/164.json",
      "snapshot_at": "2026-10-24T09:57:51Z",
      "bank_last_updated": "2026-07-10T14:00:53.0189421Z",
      "key_facts_sheet_url": "https://www.bcu.com.au/important-information/terms-and-conditions/credit-card-key-facts-sheet/",
      "document_links_source": {
        "key_facts_sheet_url": "found by hand 2026-11-01: Key Facts Sheet"
      },
      "from_issuer_page": null
    }
  ],
  "rows": [
    {
      "brand": "BCU Bank",
      "brand_label": "BCU Bank",
      "brand_slug": "bcu-bank",
      "legal_entity_abn": "69087651876",
      "product_id": "162",
      "product_name": "Classic Credit Card",
      "product_label": "Classic Credit Card",
      "product_slug": "classic-credit-card",
      "page": "/au/finance/credit-cards/cards/bcu-bank/classic-credit-card/",
      "product_url": "https://www.bcu.com.au/cards/credit-cards/classic-credit-card/",
      "terms_url": "https://www.bcu.com.au/important-information/terms-and-conditions/credit-card-conditions-of-use/",
      "fees_url": "https://www.bcu.com.au/help-centre/fees-and-charges/credit-card-fees-and-charges/",
      "eligibility_url": null,
      "card_type": "credit",
      "scheme": "visa",
      "tier": null,
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "purchase_rate_pct": 11.95,
      "purchase_rate_is_base": null,
      "no_interest_card": null,
      "purchase_rate_range_pct": null,
      "cash_advance_rate_pct": 14.8,
      "intro_purchase_rate_pct": null,
      "intro_purchase_months": null,
      "interest_free_days": 52,
      "annual_fee": 45.0,
      "fee_period": "annual",
      "fee_as_stated": 45.0,
      "annual_fee_stated": true,
      "annual_fee_note": null,
      "fee_name": "Credit Card Annual Fee",
      "first_year_fee_waived": false,
      "fee_waived_for_group": null,
      "foreign_transaction_fee_pct": null,
      "foreign_transaction_fee": 0.0,
      "cash_advance_fee_pct": null,
      "cash_advance_fee": null,
      "late_payment_fee": 5.0,
      "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": [
        "Apple Pay",
        "Google Pay",
        "Samsung Pay"
      ],
      "instalment_plan": false,
      "additional_cards": null,
      "additional_cards_offered": true,
      "min_credit_limit": 500.0,
      "max_credit_limit": 100000.0,
      "min_income": null,
      "min_age": 18,
      "restrictions": [],
      "who_can_open": {
        "restricted": false,
        "groups": [],
        "open_note": null
      },
      "conditions": [
        "credit limit $500 to $100,000",
        "Credit eligibilty criteria, terms and conditions, fees and charges apply.",
        "You must be or become a BCU Bank member",
        "3% foreign currency conversion fee",
        "interest-free only when the month-end balance is paid in full by the 21st of the next month"
      ],
      "ranked": true,
      "unranked_reason": null,
      "source_kind": "feed",
      "record_stale": false,
      "source_url": "https://public.cdr-api.bcu.com.au/cds-au/v1/banking/products/162",
      "source_snapshot": "/au/finance/credit-cards/v1/source/bcu-bank/162.json",
      "snapshot_at": "2026-11-12T02:35:46Z",
      "bank_last_updated": "2026-07-10T14:00:53.0189421Z",
      "key_facts_sheet_url": "https://www.bcu.com.au/important-information/terms-and-conditions/credit-card-key-facts-sheet/",
      "document_links_source": {
        "key_facts_sheet_url": "found by hand 2026-11-01: Key Facts Sheet"
      },
      "from_issuer_page": null,
      "rate_pct": 11.95,
      "rankings": [
        {
          "segment": "personal",
          "kind": "low_rate",
          "rank": 15,
          "of": 52,
          "hidden_by_default": null
        }
      ]
    },
    {
      "brand": "BCU Bank",
      "brand_label": "BCU Bank",
      "brand_slug": "bcu-bank",
      "legal_entity_abn": "69087651876",
      "product_id": "164",
      "product_name": "Rewards Credit Card",
      "product_label": "Rewards Credit Card",
      "product_slug": "rewards-credit-card",
      "page": "/au/finance/credit-cards/cards/bcu-bank/rewards-credit-card/",
      "product_url": "https://www.bcu.com.au/cards/credit-cards/rewards-credit-card/",
      "terms_url": "https://www.bcu.com.au/important-information/terms-and-conditions/credit-card-conditions-of-use/",
      "fees_url": "https://www.bcu.com.au/help-centre/fees-and-charges/credit-card-fees-and-charges/",
      "eligibility_url": null,
      "card_type": "credit",
      "scheme": "visa",
      "tier": null,
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "purchase_rate_pct": 13.05,
      "purchase_rate_is_base": null,
      "no_interest_card": null,
      "purchase_rate_range_pct": null,
      "cash_advance_rate_pct": 14.8,
      "intro_purchase_rate_pct": null,
      "intro_purchase_months": null,
      "interest_free_days": 52,
      "annual_fee": 89.0,
      "fee_period": "annual",
      "fee_as_stated": 89.0,
      "annual_fee_stated": true,
      "annual_fee_note": null,
      "fee_name": "Credit Card Annual Fee",
      "first_year_fee_waived": false,
      "fee_waived_for_group": null,
      "foreign_transaction_fee_pct": null,
      "foreign_transaction_fee": 0.0,
      "cash_advance_fee_pct": null,
      "cash_advance_fee": null,
      "late_payment_fee": 5.0,
      "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": "500 Earn cashback on eligible transactions, up to a maximum of $500 annually. Please refer to the terms and conditions for full details.",
      "cashback_offer": null,
      "digital_wallets": [
        "Apple Pay",
        "Google Pay",
        "Samsung Pay"
      ],
      "instalment_plan": false,
      "additional_cards": null,
      "additional_cards_offered": true,
      "min_credit_limit": 500.0,
      "max_credit_limit": 100000.0,
      "min_income": null,
      "min_age": 18,
      "restrictions": [],
      "who_can_open": {
        "restricted": false,
        "groups": [],
        "open_note": null
      },
      "conditions": [
        "credit limit $500 to $100,000",
        "Credit eligibilty criteria, terms and conditions, fees and charges apply.",
        "You must be or become a BCU Bank member",
        "3% foreign currency conversion fee",
        "interest-free only when the month-end balance is paid in full by the 21st of the next month"
      ],
      "ranked": true,
      "unranked_reason": null,
      "source_kind": "feed",
      "record_stale": false,
      "source_url": "https://public.cdr-api.bcu.com.au/cds-au/v1/banking/products/164",
      "source_snapshot": "/au/finance/credit-cards/v1/source/bcu-bank/164.json",
      "snapshot_at": "2026-11-12T02:35:46Z",
      "bank_last_updated": "2026-07-10T14:00:53.0189421Z",
      "key_facts_sheet_url": "https://www.bcu.com.au/important-information/terms-and-conditions/credit-card-key-facts-sheet/",
      "document_links_source": {
        "key_facts_sheet_url": "found by hand 2026-11-01: Key Facts Sheet"
      },
      "from_issuer_page": null,
      "rate_pct": 13.05,
      "rankings": []
    }
  ],
  "licence_shared_with": [
    "P&N Bank"
  ]
}