{
  "brand": "Beyond Bank Australia",
  "brand_label": "Beyond Bank Australia",
  "brand_slug": "beyond-bank-australia",
  "legal_entity_abn": "15087651143",
  "public_base_uri": "https://public.cdr.api.beyondbank.com.au",
  "logo_uri": "https://brand.beyondbank.com.au/m/1a1424e421d07bea/thul-RGB-GRAD-Beyond-Bank-Logo.png",
  "status": "ok",
  "stale": false,
  "bank_last_updated": "2026-10-14T02:00:31Z",
  "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":27,"of":52,"product_label":"Low Rate Credit Card","card_type":"credit","purchase_rate_pct":12.49,"annual_fee":59.0,"fee_period":"annual","annual_fee_stated":true,"interest_free_days":62,"min_credit_limit":1000.0,"max_credit_limit":80000.0,"bt_promo_rate_pct":0.0,"bt_promo_months":12,"bt_fee_pct":null,"bt_revert_rate_pct":null,"rewards_program":null,"conditions":"k1","restrictions":[],"record_stale":false},
      {"segment":"personal","kind":"balance_transfer","rank":14,"of":22,"product_label":"Low Rate Credit Card","card_type":"credit","purchase_rate_pct":12.49,"annual_fee":59.0,"fee_period":"annual","annual_fee_stated":true,"interest_free_days":62,"min_credit_limit":1000.0,"max_credit_limit":80000.0,"bt_promo_rate_pct":0.0,"bt_promo_months":12,"bt_fee_pct":null,"bt_revert_rate_pct":null,"rewards_program":null,"conditions":"k1","restrictions":[],"record_stale":false}
    ],
    "condition_sets": {
      "k1": [
        "0.00% on balance transfers for 12 months; new cards",
        "credit limit $1,000 to $80,000",
        "Lending criteria applies.",
        "Membership: You must be or become a Beyond Bank Australia member",
        "0% for 12 months only on transfers made within a month of applying (later: 4.99% for 6 months), from non-Beyond Bank cards, minimum $500; then the purchase rate",
        "$25 default fee each month while in default, plus $20 for each default notice (no separate late fee)",
        "3% international transaction fee"
      ]
    },
    "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": "11",
      "product_name": "Low Rate Credit Card",
      "product_label": "Low Rate Credit Card",
      "product_slug": "low-rate-credit-card",
      "page": "/au/finance/credit-cards/cards/beyond-bank-australia/low-rate-credit-card/",
      "product_url": "https://www.beyondbank.com.au/bank-and-save/debit-and-credit-cards/low-rate-visa-credit-card/",
      "terms_url": "https://brand.beyondbank.com.au/m/4ac003904302eec8/original/Low-Rate-Credit-Card-Terms-and-Conditions.pdf",
      "fees_url": "https://brand.beyondbank.com.au/m/7470681f224b04de/original/Fees-and-Charges-website.pdf",
      "eligibility_url": "https://www.beyondbank.com.au/bank-and-save/debit-and-credit-cards/low-rate-visa-credit-card/",
      "card_type": "credit",
      "scheme": "visa",
      "tier": null,
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "description": "Enjoy the benefits of our Low Rate Credit Card and receive up to 62 days interest free days on purchases or take advantage of our balance transfer offer.",
      "purchase_rate_pct": 12.49,
      "purchase_rate_is_base": null,
      "no_interest_card": null,
      "purchase_rate_range_pct": null,
      "purchase_rate_note": "This interest rate applies to purchases made using your Low Rate Visa Credit Card.Up to 62 interest free days available on purchases. Conditions apply.",
      "cash_advance_rate_pct": 12.49,
      "intro_purchase_rate_pct": null,
      "intro_purchase_months": null,
      "interest_free_days": 62,
      "annual_fee": 59.0,
      "fee_period": "annual",
      "fee_as_stated": 59.0,
      "annual_fee_stated": true,
      "annual_fee_note": null,
      "fee_name": "Annual Card Fee",
      "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": {
        "promo_rate_pct": 0.0,
        "promo_months": 12,
        "fee_pct": null,
        "revert_rate_pct": null,
        "revert_to": null,
        "for_new_cards": true,
        "for_existing_customers": null,
        "ongoing_rate_pct": null,
        "offers": [
          {
            "rate_pct": 0.0,
            "months": 12,
            "fee_pct": null,
            "for_new_cards": true,
            "for_existing_customers": null,
            "text": "For a limited time, this offer is available on balance transfers for a 12 month period with any newly approved Low Rate Visa Credit Card. It applies exclusively to balance transfers from credit cards not issued by Beyond Bank. A minimum transfer amount of $500 is required, and the offer must be req…"
          },
          {
            "rate_pct": 4.99,
            "months": 6,
            "fee_pct": null,
            "for_new_cards": true,
            "for_existing_customers": null,
            "text": "For a limited time, this discounted rate is available on balance transfers for a 6 month period with any newly approved Low Rate Visa Credit Card. It applies exclusively to balance transfers from credit cards not issued by Beyond Bank. A minimum transfer amount of $500 is required, and the offer mu…"
          }
        ]
      },
      "rewards_program": null,
      "rewards_programs": [],
      "rewards_program_fee": null,
      "bonus_offer": null,
      "cashback_offer": null,
      "insurances": [],
      "digital_wallets": [
        "Mobile Wallet"
      ],
      "instalment_plan": false,
      "additional_cards": 4,
      "additional_cards_offered": true,
      "min_credit_limit": 1000.0,
      "max_credit_limit": 80000.0,
      "min_income": null,
      "min_age": 18,
      "restrictions": [],
      "who_can_open": {
        "restricted": false,
        "groups": [],
        "open_note": null
      },
      "conditions": [
        "0.00% on balance transfers for 12 months; new cards",
        "credit limit $1,000 to $80,000",
        "Lending criteria applies.",
        "Membership: You must be or become a Beyond Bank Australia member",
        "0% for 12 months only on transfers made within a month of applying (later: 4.99% for 6 months), from non-Beyond Bank cards, minimum $500; then the purchase rate",
        "$25 default fee each month while in default, plus $20 for each default notice (no separate late fee)",
        "3% international transaction fee"
      ],
      "eligibility": [
        "Lending criteria applies.",
        "Membership: You must be or become a Beyond Bank Australia member"
      ],
      "ranked": true,
      "unranked_reason": null,
      "rankings": [
        {
          "segment": "personal",
          "kind": "low_rate",
          "rank": 27,
          "of": 52,
          "hidden_by_default": null
        },
        {
          "segment": "personal",
          "kind": "balance_transfer",
          "rank": 14,
          "of": 22,
          "hidden_by_default": null
        }
      ],
      "source_kind": "feed",
      "record_stale": false,
      "source_url": "https://public.cdr.api.beyondbank.com.au/cds-au/v1/banking/products/11",
      "source_snapshot": "/au/finance/credit-cards/v1/source/beyond-bank-australia/11.json",
      "snapshot_at": "2026-10-24T09:57:52Z",
      "bank_last_updated": "2026-10-14T02:00:31.6711382Z",
      "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.beyondbank.com.au/bank-and-save/debit-and-credit-cards/low-rate-visa-credit-card/credit-card-key-fact-sheet/",
      "from_issuer_page": null
    }
  ],
  "rows": [
    {
      "brand": "Beyond Bank Australia",
      "brand_label": "Beyond Bank Australia",
      "brand_slug": "beyond-bank-australia",
      "legal_entity_abn": "15087651143",
      "product_id": "11",
      "product_name": "Low Rate Credit Card",
      "product_label": "Low Rate Credit Card",
      "product_slug": "low-rate-credit-card",
      "page": "/au/finance/credit-cards/cards/beyond-bank-australia/low-rate-credit-card/",
      "product_url": "https://www.beyondbank.com.au/bank-and-save/debit-and-credit-cards/low-rate-visa-credit-card/",
      "terms_url": "https://brand.beyondbank.com.au/m/4ac003904302eec8/original/Low-Rate-Credit-Card-Terms-and-Conditions.pdf",
      "fees_url": "https://brand.beyondbank.com.au/m/7470681f224b04de/original/Fees-and-Charges-website.pdf",
      "eligibility_url": "https://www.beyondbank.com.au/bank-and-save/debit-and-credit-cards/low-rate-visa-credit-card/",
      "card_type": "credit",
      "scheme": "visa",
      "tier": null,
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "purchase_rate_pct": 12.49,
      "purchase_rate_is_base": null,
      "no_interest_card": null,
      "purchase_rate_range_pct": null,
      "cash_advance_rate_pct": 12.49,
      "intro_purchase_rate_pct": null,
      "intro_purchase_months": null,
      "interest_free_days": 62,
      "annual_fee": 59.0,
      "fee_period": "annual",
      "fee_as_stated": 59.0,
      "annual_fee_stated": true,
      "annual_fee_note": null,
      "fee_name": "Annual Card Fee",
      "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": 0.0,
      "bt_promo_months": 12,
      "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": [
        "Mobile Wallet"
      ],
      "instalment_plan": false,
      "additional_cards": 4,
      "additional_cards_offered": true,
      "min_credit_limit": 1000.0,
      "max_credit_limit": 80000.0,
      "min_income": null,
      "min_age": 18,
      "restrictions": [],
      "who_can_open": {
        "restricted": false,
        "groups": [],
        "open_note": null
      },
      "conditions": [
        "0.00% on balance transfers for 12 months; new cards",
        "credit limit $1,000 to $80,000",
        "Lending criteria applies.",
        "Membership: You must be or become a Beyond Bank Australia member",
        "0% for 12 months only on transfers made within a month of applying (later: 4.99% for 6 months), from non-Beyond Bank cards, minimum $500; then the purchase rate",
        "$25 default fee each month while in default, plus $20 for each default notice (no separate late fee)",
        "3% international transaction fee"
      ],
      "ranked": true,
      "unranked_reason": null,
      "source_kind": "feed",
      "record_stale": false,
      "source_url": "https://public.cdr.api.beyondbank.com.au/cds-au/v1/banking/products/11",
      "source_snapshot": "/au/finance/credit-cards/v1/source/beyond-bank-australia/11.json",
      "snapshot_at": "2026-11-12T02:35:48Z",
      "bank_last_updated": "2026-10-14T02:00:31.6711382Z",
      "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.beyondbank.com.au/bank-and-save/debit-and-credit-cards/low-rate-visa-credit-card/credit-card-key-fact-sheet/",
      "from_issuer_page": null,
      "rate_pct": 12.49,
      "rankings": [
        {
          "segment": "personal",
          "kind": "low_rate",
          "rank": 27,
          "of": 52,
          "hidden_by_default": null
        },
        {
          "segment": "personal",
          "kind": "balance_transfer",
          "rank": 14,
          "of": 22,
          "hidden_by_default": null
        }
      ]
    }
  ],
  "licence_shared_with": []
}