{
  "brand": "Bendigo Bank",
  "brand_label": "Bendigo Bank",
  "brand_slug": "bendigo-bank",
  "legal_entity_abn": "11068049178",
  "public_base_uri": "https://api.cdr.bendigobank.com.au",
  "logo_uri": "https://www.bendigobank.com.au/globalassets/globalresources/brand-logos/bendigobank-logo.png",
  "status": "ok",
  "stale": false,
  "bank_last_updated": "2026-10-28T05:19:01Z",
  "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":21,"of":52,"product_label":"Bright Credit Card","card_type":"credit","purchase_rate_pct":11.99,"annual_fee":59.0,"fee_period":"annual","annual_fee_stated":true,"interest_free_days":55,"min_credit_limit":1000.0,"max_credit_limit":30000.0,"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},
      {"segment":"personal","kind":"no_annual_fee","rank":8,"of":10,"product_label":"Ready Credit Card","card_type":"credit","purchase_rate_pct":19.99,"annual_fee":0.0,"fee_period":"annual","annual_fee_stated":true,"interest_free_days":55,"min_credit_limit":3000.0,"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":"k2","restrictions":[],"record_stale":false},
      {"segment":"personal","kind":"rewards","rank":6,"of":24,"product_label":"Platinum Rewards Credit Card","card_type":"credit","purchase_rate_pct":19.99,"annual_fee":89.0,"fee_period":"annual","annual_fee_stated":true,"interest_free_days":55,"min_credit_limit":3000.0,"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":"Bendigo Bank Rewards","conditions":"k3","restrictions":[],"record_stale":false},
      {"segment":"business","kind":"low_rate","rank":9,"of":13,"product_label":"Business Credit Card","card_type":"credit","purchase_rate_pct":13.99,"annual_fee":48.0,"fee_period":"monthly","annual_fee_stated":true,"interest_free_days":44,"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":"k4","restrictions":[],"record_stale":false},
      {"segment":"business","kind":"rewards","rank":5,"of":9,"product_label":"Qantas Business Credit Card","card_type":"credit","purchase_rate_pct":19.99,"annual_fee":89.0,"fee_period":"annual","annual_fee_stated":true,"interest_free_days":null,"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":"Earn 0.6 Qantas points for every $1 spent on everyday business spend;Earn 0.3 Qantas Poin…","conditions":"k5","restrictions":[],"record_stale":false}
    ],
    "condition_sets": {
      "k1": [
        "credit limit $1,000 to $30,000",
        "cash advance fee $3 or 3%, whichever is greater",
        "Australian citizens or permanent residents living or working in Australia; personal use only"
      ],
      "k2": [
        "credit limit $3,000 to $50,000",
        "no international transaction fees",
        "cash advance fee $3 or 3%, whichever is greater",
        "Australian citizens or permanent residents living or working in Australia; personal use only"
      ],
      "k3": [
        "credit limit $3,000 to $50,000",
        "from 23 November 2026, 1 point per $1 on domestic and 2 points per $1 on international transactions instead of 1.5 points",
        "cash advance fee $3 or 3%, whichever is greater",
        "Australian citizens or permanent residents living or working in Australia; personal use only"
      ],
      "k4": [
        "credit limit $500 to $50,000"
      ],
      "k5": [
        "credit limit $500 to $50,000",
        "up to 55 days interest free on purchases",
        "Qantas Points capped at 30,000 per statement period or 360,000 a year",
        "25,000 bonus Qantas Points, one per customer"
      ]
    },
    "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": "aab92b58-4260-4b57-8f7f-5e448805b766",
      "product_name": "Bendigo Bright Credit Card",
      "product_label": "Bright Credit Card",
      "product_slug": "bright-credit-card",
      "page": "/au/finance/credit-cards/cards/bendigo-bank/bright-credit-card/",
      "product_url": "https://www.bendigobank.com.au/personal/credit-cards/bright/",
      "terms_url": "https://www.bendigobank.com.au/globalassets/documents/disclosures/bendigo-credit-card-terms-conditions.pdf",
      "fees_url": "https://www.bendigobank.com.au/globalassets/documents/disclosures/schedule-of-fees-charges-and-transaction-account-rebates.pdf",
      "eligibility_url": "https://www.bendigobank.com.au/personal/credit-cards/check-my-eligibility/?ccproduct=bright",
      "card_type": "credit",
      "scheme": "mastercard",
      "tier": null,
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "description": "All the security and convenience you’d expect, a low annual fee and one of the lowest interest rates around make our Bendigo Bright Credit Card the ideal card for your every day purchases. You will also receive up to 55 days interest free on purchases.",
      "purchase_rate_pct": 11.99,
      "purchase_rate_is_base": null,
      "no_interest_card": null,
      "purchase_rate_range_pct": null,
      "purchase_rate_note": null,
      "cash_advance_rate_pct": 19.99,
      "intro_purchase_rate_pct": null,
      "intro_purchase_months": null,
      "interest_free_days": 55,
      "annual_fee": 59.0,
      "fee_period": "annual",
      "fee_as_stated": 59.0,
      "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": 3.0,
      "foreign_transaction_fee": null,
      "cash_advance_fee_pct": 3.0,
      "cash_advance_fee": null,
      "late_payment_fee": 15.0,
      "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": [
        "Google Pay",
        "Samsung Pay",
        "Apple Pay",
        "Garmin Pay"
      ],
      "instalment_plan": false,
      "additional_cards": 99,
      "additional_cards_offered": true,
      "min_credit_limit": 1000.0,
      "max_credit_limit": 30000.0,
      "min_income": null,
      "min_age": 18,
      "restrictions": [],
      "who_can_open": {
        "restricted": false,
        "groups": [],
        "open_note": null
      },
      "conditions": [
        "credit limit $1,000 to $30,000",
        "cash advance fee $3 or 3%, whichever is greater",
        "Australian citizens or permanent residents living or working in Australia; personal use only"
      ],
      "eligibility": [],
      "ranked": true,
      "unranked_reason": null,
      "rankings": [
        {
          "segment": "personal",
          "kind": "low_rate",
          "rank": 21,
          "of": 52,
          "hidden_by_default": null
        }
      ],
      "source_kind": "feed",
      "record_stale": false,
      "source_url": "https://api.cdr.bendigobank.com.au/cds-au/v1/banking/products/aab92b58-4260-4b57-8f7f-5e448805b766",
      "source_snapshot": "/au/finance/credit-cards/v1/source/bendigo-bank/aab92b58-4260-4b57-8f7f-5e448805b766.json",
      "snapshot_at": "2026-10-24T09:57:52Z",
      "bank_last_updated": "2026-10-23T01:26:50.341Z",
      "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://www.bendigobank.com.au/globalassets/documents/personal/creditcards/credit-cards-key-fact-sheet.pdf",
      "from_issuer_page": null
    },
    {
      "product_id": "602197f1-0e90-46bd-8c0b-3bced15dd31c",
      "product_name": "Business Credit Card",
      "product_label": "Business Credit Card",
      "product_slug": "business-credit-card",
      "page": "/au/finance/credit-cards/cards/bendigo-bank/business-credit-card/",
      "product_url": "https://www.bendigobank.com.au/business/cards/business-credit-mastercard/",
      "terms_url": "https://www.bendigobank.com.au/globalassets/documents/disclosures/bendigo-business-credit-card-terms-conditions.pdf",
      "fees_url": "https://www.bendigobank.com.au/globalassets/documents/disclosures/business-fees-and-charges.pdf",
      "eligibility_url": "https://www.bendigobank.com.au/business/cards/business-credit-card/",
      "card_type": "credit",
      "scheme": "mastercard",
      "tier": null,
      "segments": [
        "business"
      ],
      "segment": "business",
      "description": "As a business owner, keeping track of expenses is important and can be time consuming. Get visibility of your expenses and stay in control with the Business Credit Card. You will also receive up to 44 days interest free on purchases.",
      "purchase_rate_pct": 13.99,
      "purchase_rate_is_base": null,
      "no_interest_card": null,
      "purchase_rate_range_pct": null,
      "purchase_rate_note": "Calculated daily, charged monthly",
      "cash_advance_rate_pct": 13.99,
      "intro_purchase_rate_pct": null,
      "intro_purchase_months": null,
      "interest_free_days": 44,
      "annual_fee": 48.0,
      "fee_period": "monthly",
      "fee_as_stated": 4.0,
      "annual_fee_stated": true,
      "annual_fee_note": null,
      "fee_name": "Monthly Card Fee ",
      "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": 3.0,
      "cash_advance_fee": null,
      "late_payment_fee": 15.0,
      "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": [
        "Google Pay",
        "Samsung Pay",
        "Apple Pay",
        "Garmin Pay"
      ],
      "instalment_plan": false,
      "additional_cards": 99,
      "additional_cards_offered": true,
      "min_credit_limit": 500.0,
      "max_credit_limit": 50000.0,
      "min_income": null,
      "min_age": null,
      "restrictions": [],
      "who_can_open": {
        "restricted": false,
        "groups": [],
        "open_note": null
      },
      "conditions": [
        "credit limit $500 to $50,000"
      ],
      "eligibility": [],
      "ranked": true,
      "unranked_reason": null,
      "rankings": [
        {
          "segment": "business",
          "kind": "low_rate",
          "rank": 9,
          "of": 13,
          "hidden_by_default": null
        }
      ],
      "source_kind": "feed",
      "record_stale": false,
      "source_url": "https://api.cdr.bendigobank.com.au/cds-au/v1/banking/products/602197f1-0e90-46bd-8c0b-3bced15dd31c",
      "source_snapshot": "/au/finance/credit-cards/v1/source/bendigo-bank/602197f1-0e90-46bd-8c0b-3bced15dd31c.json",
      "snapshot_at": "2026-10-26T23:42:04Z",
      "bank_last_updated": "2026-10-26T04:19:41.842Z",
      "from_issuer_page": null
    },
    {
      "product_id": "4550220b-7b80-4c6a-a446-221e42453768",
      "product_name": "Platinum Rewards Credit Card",
      "product_label": "Platinum Rewards Credit Card",
      "product_slug": "platinum-rewards-credit-card",
      "page": "/au/finance/credit-cards/cards/bendigo-bank/platinum-rewards-credit-card/",
      "product_url": "https://www.bendigobank.com.au/personal/credit-cards/platinum-rewards-mastercard/",
      "terms_url": "https://www.bendigobank.com.au/globalassets/documents/disclosures/bendigo-credit-card-terms-conditions.pdf",
      "fees_url": "https://www.bendigobank.com.au/globalassets/documents/disclosures/schedule-of-fees-charges-and-transaction-account-rebates.pdf",
      "eligibility_url": "https://www.bendigobank.com.au/personal/credit-cards/check-my-eligibility/?ccproduct=platinumrewards",
      "card_type": "credit",
      "scheme": "mastercard",
      "tier": "platinum",
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "description": "Platinum Rewards Credit Card lets you earn points as you shop, which you can redeem online for a huge range of goods and services. With a range of added insurances, purchase protections, plus access to Mastercard Priceless Cities exclusive experiences and special offers, it's the only card you'll n…",
      "purchase_rate_pct": 19.99,
      "purchase_rate_is_base": null,
      "no_interest_card": null,
      "purchase_rate_range_pct": null,
      "purchase_rate_note": "Calculated daily, charged monthly",
      "cash_advance_rate_pct": 21.99,
      "intro_purchase_rate_pct": null,
      "intro_purchase_months": null,
      "interest_free_days": 55,
      "annual_fee": 89.0,
      "fee_period": "annual",
      "fee_as_stated": 89.0,
      "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": 3.0,
      "foreign_transaction_fee": null,
      "cash_advance_fee_pct": 3.0,
      "cash_advance_fee": null,
      "late_payment_fee": 15.0,
      "additional_cardholder_fee": null,
      "balance_transfer": null,
      "rewards_program": "Bendigo Bank Rewards",
      "rewards_programs": [
        "Bendigo Bank Rewards"
      ],
      "rewards_program_fee": null,
      "bonus_offer": null,
      "cashback_offer": null,
      "insurances": [
        "International Travel Insurance",
        "Extended Warranty Insurance",
        "Purchase Protection Insurance",
        "Domestic Travel Insurance",
        "Rental Vehicle Excess Insurance"
      ],
      "digital_wallets": [
        "Google Pay",
        "Samsung Pay",
        "Apple Pay",
        "Garmin Pay"
      ],
      "instalment_plan": false,
      "additional_cards": 99,
      "additional_cards_offered": true,
      "min_credit_limit": 3000.0,
      "max_credit_limit": 50000.0,
      "min_income": null,
      "min_age": 18,
      "restrictions": [],
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        "groups": [],
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      },
      "conditions": [
        "credit limit $3,000 to $50,000",
        "from 23 November 2026, 1 point per $1 on domestic and 2 points per $1 on international transactions instead of 1.5 points",
        "cash advance fee $3 or 3%, whichever is greater",
        "Australian citizens or permanent residents living or working in Australia; personal use only"
      ],
      "eligibility": [],
      "ranked": true,
      "unranked_reason": null,
      "rankings": [
        {
          "segment": "personal",
          "kind": "rewards",
          "rank": 6,
          "of": 24,
          "hidden_by_default": null
        }
      ],
      "source_kind": "feed",
      "record_stale": false,
      "source_url": "https://api.cdr.bendigobank.com.au/cds-au/v1/banking/products/4550220b-7b80-4c6a-a446-221e42453768",
      "source_snapshot": "/au/finance/credit-cards/v1/source/bendigo-bank/4550220b-7b80-4c6a-a446-221e42453768.json",
      "snapshot_at": "2026-10-26T23:42:04Z",
      "bank_last_updated": "2026-10-26T03:56:23.669Z",
      "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.bendigobank.com.au/globalassets/documents/personal/creditcards/credit-cards-key-fact-sheet.pdf",
      "from_issuer_page": null
    },
    {
      "product_id": "05bc94b5-8ce3-4c8d-9843-678b9de0e2ae",
      "product_name": "Qantas Business Credit Card",
      "product_label": "Qantas Business Credit Card",
      "product_slug": "qantas-business-credit-card",
      "page": "/au/finance/credit-cards/cards/bendigo-bank/qantas-business-credit-card/",
      "product_url": "https://www.bendigobank.com.au/business/cards/qantas-business-mastercard/",
      "terms_url": "https://www.bendigobank.com.au/globalassets/documents/disclosures/bendigo-business-credit-card-terms-conditions.pdf",
      "fees_url": "https://www.bendigobank.com.au/globalassets/documents/disclosures/business-fees-and-charges.pdf",
      "eligibility_url": null,
      "card_type": "credit",
      "scheme": "mastercard",
      "tier": null,
      "segments": [
        "business"
      ],
      "segment": "business",
      "description": "With one of the lowest annual fees in the market, and a range of insurances, the Qantas Business Credit Card will help your points soar. You will also receive up to 55 days interest free on purchases.",
      "purchase_rate_pct": 19.99,
      "purchase_rate_is_base": null,
      "no_interest_card": null,
      "purchase_rate_range_pct": null,
      "purchase_rate_note": null,
      "cash_advance_rate_pct": 21.99,
      "intro_purchase_rate_pct": null,
      "intro_purchase_months": null,
      "interest_free_days": null,
      "annual_fee": 89.0,
      "fee_period": "annual",
      "fee_as_stated": 89.0,
      "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": 3.0,
      "foreign_transaction_fee": null,
      "cash_advance_fee_pct": 3.0,
      "cash_advance_fee": null,
      "late_payment_fee": 15.0,
      "additional_cardholder_fee": null,
      "balance_transfer": null,
      "rewards_program": "Earn 0.6 Qantas points for every $1 spent on everyday business spend;Earn 0.3 Qantas Poin…",
      "rewards_programs": [
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      ],
      "rewards_program_fee": null,
      "bonus_offer": null,
      "cashback_offer": null,
      "insurances": [
        "Extended Warranty",
        "Purchase Protection",
        "Travel Insurance"
      ],
      "digital_wallets": [
        "Google Pay",
        "Samsung Pay",
        "Apple Pay",
        "Garmin Pay"
      ],
      "instalment_plan": false,
      "additional_cards": 99,
      "additional_cards_offered": true,
      "min_credit_limit": 500.0,
      "max_credit_limit": 50000.0,
      "min_income": null,
      "min_age": null,
      "restrictions": [],
      "who_can_open": {
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        "groups": [],
        "open_note": null
      },
      "conditions": [
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        "up to 55 days interest free on purchases",
        "Qantas Points capped at 30,000 per statement period or 360,000 a year",
        "25,000 bonus Qantas Points, one per customer"
      ],
      "eligibility": [],
      "ranked": true,
      "unranked_reason": null,
      "rankings": [
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          "kind": "rewards",
          "rank": 5,
          "of": 9,
          "hidden_by_default": null
        }
      ],
      "source_kind": "feed",
      "record_stale": false,
      "source_url": "https://api.cdr.bendigobank.com.au/cds-au/v1/banking/products/05bc94b5-8ce3-4c8d-9843-678b9de0e2ae",
      "source_snapshot": "/au/finance/credit-cards/v1/source/bendigo-bank/05bc94b5-8ce3-4c8d-9843-678b9de0e2ae.json",
      "snapshot_at": "2026-10-24T09:57:52Z",
      "bank_last_updated": "2026-08-31T06:51:48.424Z",
      "from_issuer_page": null
    },
    {
      "product_id": "f2476015-6ff3-4165-8d89-c8ca7fe76735",
      "product_name": "Qantas Platinum Credit Card",
      "product_label": "Qantas Platinum Credit Card",
      "product_slug": "qantas-platinum-credit-card",
      "page": "/au/finance/credit-cards/cards/bendigo-bank/qantas-platinum-credit-card/",
      "product_url": "https://www.bendigobank.com.au/personal/credit-cards/qantas-platinum-mastercard/",
      "terms_url": "https://www.bendigobank.com.au/globalassets/documents/disclosures/bendigo-credit-card-terms-conditions.pdf",
      "fees_url": "https://www.bendigobank.com.au/globalassets/documents/disclosures/schedule-of-fees-charges-and-transaction-account-rebates.pdf",
      "eligibility_url": "https://www.bendigobank.com.au/disclosure-documents/",
      "card_type": "credit",
      "scheme": "mastercard",
      "tier": "platinum",
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "description": "With one of the lowest annual fees in the market, and a competitive interest rate, make every day purchases using your Qantas Platinum Credit Card and watch your points soar. Plus, you will also receive up to 55 days interest fee on purchase.",
      "purchase_rate_pct": 19.99,
      "purchase_rate_is_base": null,
      "no_interest_card": null,
      "purchase_rate_range_pct": null,
      "purchase_rate_note": "Calculated daily, charged monthly",
      "cash_advance_rate_pct": 21.99,
      "intro_purchase_rate_pct": null,
      "intro_purchase_months": null,
      "interest_free_days": 55,
      "annual_fee": 149.0,
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