{
  "brand": "BOQ Specialist",
  "brand_label": "BOQ Specialist",
  "brand_slug": "boq-specialist",
  "legal_entity_abn": "32009656740",
  "public_base_uri": "https://api.cds.boqspecialist.com.au",
  "logo_uri": "https://www.boqspecialist.com.au/content/dam/boq-specialist/logos/BOQSpecialist_H_CMYK.png",
  "status": "ok",
  "stale": false,
  "bank_last_updated": "2026-10-26T02:59:52Z",
  "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":49,"of":52,"product_label":"Signature Visa Credit Card","card_type":"credit","purchase_rate_pct":20.5,"annual_fee":400.0,"fee_period":"annual","annual_fee_stated":true,"interest_free_days":null,"min_credit_limit":15000.0,"max_credit_limit":null,"bt_promo_rate_pct":null,"bt_promo_months":null,"bt_fee_pct":null,"bt_revert_rate_pct":null,"rewards_program":"Frequent Flyer Rewards","conditions":"k1","restrictions":[],"record_stale":false},
      {"segment":"personal","kind":"rewards","rank":23,"of":24,"product_label":"Signature Visa Credit Card","card_type":"credit","purchase_rate_pct":20.5,"annual_fee":400.0,"fee_period":"annual","annual_fee_stated":true,"interest_free_days":null,"min_credit_limit":15000.0,"max_credit_limit":null,"bt_promo_rate_pct":null,"bt_promo_months":null,"bt_fee_pct":null,"bt_revert_rate_pct":null,"rewards_program":"Frequent Flyer Rewards","conditions":"k1","restrictions":[],"record_stale":false}
    ],
    "condition_sets": {
      "k1": [
        "credit limit from $15,000",
        "minimum income $120,000 a year",
        "Product is generally offered to medical, dental, veterinary or accounting professions and their associates and suppliers",
        "up to 55 interest-free days on purchases",
        "domestic points capped: 1 point per $1 to $5,000 a statement period, 0.25 to $10,000, none above; international uncapped",
        "20,000 bonus points for new cardholders who use the card 10 times in the first 60 days",
        "no fee for additional cardholders; $0 late payment 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": "09186288-5c03-ee11-8f6e-00224814dce7",
      "product_name": "Signature Visa Credit Card",
      "product_label": "Signature Visa Credit Card",
      "product_slug": "signature-visa-credit-card",
      "page": "/au/finance/credit-cards/cards/boq-specialist/signature-visa-credit-card/",
      "product_url": "https://www.boqspecialist.com.au/personal-banking/credit-cards",
      "terms_url": "https://www.boqspecialist.com.au/help-and-support/important-information/terms-and-conditions",
      "fees_url": "https://www.boqspecialist.com.au/content/dam/boq-specialist/files/products/credit-cards/terms-and-conditions/CREDIT-CARD-KEY-FACTS-SHEET.pdf",
      "eligibility_url": "https://www.boqspecialist.com.au/help-and-support/important-information/tmd",
      "card_type": "credit",
      "scheme": "visa",
      "tier": "signature",
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "description": "At BOQ Specialist, we believe it's important to find the credit card that's right for you. Whether you are a doctor, dentist or vet, we have a credit card to match your personal and business needs. Everyone likes to be rewarded. That's why BOQ Specialist credit cards come with an exciting range of…",
      "purchase_rate_pct": 20.5,
      "purchase_rate_is_base": null,
      "no_interest_card": null,
      "purchase_rate_range_pct": null,
      "purchase_rate_note": null,
      "cash_advance_rate_pct": 20.5,
      "intro_purchase_rate_pct": null,
      "intro_purchase_months": null,
      "interest_free_days": null,
      "annual_fee": 400.0,
      "fee_period": "annual",
      "fee_as_stated": 400.0,
      "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": null,
      "rewards_program": "Frequent Flyer Rewards",
      "rewards_programs": [
        "Frequent Flyer Rewards",
        "Choice of rewards program"
      ],
      "rewards_program_fee": null,
      "bonus_offer": null,
      "cashback_offer": null,
      "insurances": [
        "Travel insurance and retail item cover"
      ],
      "digital_wallets": [
        "Google Pay",
        "Apple Pay"
      ],
      "instalment_plan": false,
      "additional_cards": 9,
      "additional_cards_offered": true,
      "min_credit_limit": 15000.0,
      "max_credit_limit": null,
      "min_income": 120000.0,
      "min_age": 18,
      "restrictions": [],
      "who_can_open": {
        "restricted": false,
        "groups": [],
        "open_note": null
      },
      "conditions": [
        "credit limit from $15,000",
        "minimum income $120,000 a year",
        "Product is generally offered to medical, dental, veterinary or accounting professions and their associates and suppliers",
        "up to 55 interest-free days on purchases",
        "domestic points capped: 1 point per $1 to $5,000 a statement period, 0.25 to $10,000, none above; international uncapped",
        "20,000 bonus points for new cardholders who use the card 10 times in the first 60 days",
        "no fee for additional cardholders; $0 late payment fee"
      ],
      "eligibility": [
        "Product is generally offered to medical, dental, veterinary or accounting professions and their associates and suppliers"
      ],
      "ranked": true,
      "unranked_reason": null,
      "rankings": [
        {
          "segment": "personal",
          "kind": "low_rate",
          "rank": 49,
          "of": 52,
          "hidden_by_default": null
        },
        {
          "segment": "personal",
          "kind": "rewards",
          "rank": 23,
          "of": 24,
          "hidden_by_default": null
        }
      ],
      "source_kind": "feed",
      "record_stale": false,
      "source_url": "https://api.cds.boqspecialist.com.au/cds-au/v1/banking/products/09186288-5c03-ee11-8f6e-00224814dce7",
      "source_snapshot": "/au/finance/credit-cards/v1/source/boq-specialist/09186288-5c03-ee11-8f6e-00224814dce7.json",
      "snapshot_at": "2026-10-26T23:42:05Z",
      "bank_last_updated": "2026-10-26T02:59:52Z",
      "key_facts_sheet_url": "https://www.boqspecialist.com.au/content/dam/boq-specialist/files/products/credit-cards/terms-and-conditions/CREDIT-CARD-KEY-FACTS-SHEET.pdf",
      "document_links_source": {
        "key_facts_sheet_url": "found by hand 2026-11-01: Key Facts Sheet"
      },
      "from_issuer_page": null
    }
  ],
  "rows": [
    {
      "brand": "BOQ Specialist",
      "brand_label": "BOQ Specialist",
      "brand_slug": "boq-specialist",
      "legal_entity_abn": "32009656740",
      "product_id": "09186288-5c03-ee11-8f6e-00224814dce7",
      "product_name": "Signature Visa Credit Card",
      "product_label": "Signature Visa Credit Card",
      "product_slug": "signature-visa-credit-card",
      "page": "/au/finance/credit-cards/cards/boq-specialist/signature-visa-credit-card/",
      "product_url": "https://www.boqspecialist.com.au/personal-banking/credit-cards",
      "terms_url": "https://www.boqspecialist.com.au/help-and-support/important-information/terms-and-conditions",
      "fees_url": "https://www.boqspecialist.com.au/content/dam/boq-specialist/files/products/credit-cards/terms-and-conditions/CREDIT-CARD-KEY-FACTS-SHEET.pdf",
      "eligibility_url": "https://www.boqspecialist.com.au/help-and-support/important-information/tmd",
      "card_type": "credit",
      "scheme": "visa",
      "tier": "signature",
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "purchase_rate_pct": 20.5,
      "purchase_rate_is_base": null,
      "no_interest_card": null,
      "purchase_rate_range_pct": null,
      "cash_advance_rate_pct": 20.5,
      "intro_purchase_rate_pct": null,
      "intro_purchase_months": null,
      "interest_free_days": null,
      "annual_fee": 400.0,
      "fee_period": "annual",
      "fee_as_stated": 400.0,
      "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": null,
      "bt_promo_months": null,
      "bt_fee_pct": null,
      "bt_revert_rate_pct": null,
      "bt_revert_to": null,
      "rewards_program": "Frequent Flyer Rewards",
      "rewards_programs": [
        "Frequent Flyer Rewards",
        "Choice of rewards program"
      ],
      "rewards_program_fee": null,
      "bonus_offer": null,
      "cashback_offer": null,
      "digital_wallets": [
        "Google Pay",
        "Apple Pay"
      ],
      "instalment_plan": false,
      "additional_cards": 9,
      "additional_cards_offered": true,
      "min_credit_limit": 15000.0,
      "max_credit_limit": null,
      "min_income": 120000.0,
      "min_age": 18,
      "restrictions": [],
      "who_can_open": {
        "restricted": false,
        "groups": [],
        "open_note": null
      },
      "conditions": [
        "credit limit from $15,000",
        "minimum income $120,000 a year",
        "Product is generally offered to medical, dental, veterinary or accounting professions and their associates and suppliers",
        "up to 55 interest-free days on purchases",
        "domestic points capped: 1 point per $1 to $5,000 a statement period, 0.25 to $10,000, none above; international uncapped",
        "20,000 bonus points for new cardholders who use the card 10 times in the first 60 days",
        "no fee for additional cardholders; $0 late payment fee"
      ],
      "ranked": true,
      "unranked_reason": null,
      "source_kind": "feed",
      "record_stale": false,
      "source_url": "https://api.cds.boqspecialist.com.au/cds-au/v1/banking/products/09186288-5c03-ee11-8f6e-00224814dce7",
      "source_snapshot": "/au/finance/credit-cards/v1/source/boq-specialist/09186288-5c03-ee11-8f6e-00224814dce7.json",
      "snapshot_at": "2026-11-12T02:35:49Z",
      "bank_last_updated": "2026-10-26T02:59:52Z",
      "key_facts_sheet_url": "https://www.boqspecialist.com.au/content/dam/boq-specialist/files/products/credit-cards/terms-and-conditions/CREDIT-CARD-KEY-FACTS-SHEET.pdf",
      "document_links_source": {
        "key_facts_sheet_url": "found by hand 2026-11-01: Key Facts Sheet"
      },
      "from_issuer_page": null,
      "rate_pct": 20.5,
      "rankings": [
        {
          "segment": "personal",
          "kind": "low_rate",
          "rank": 49,
          "of": 52,
          "hidden_by_default": null
        },
        {
          "segment": "personal",
          "kind": "rewards",
          "rank": 23,
          "of": 24,
          "hidden_by_default": null
        }
      ]
    }
  ],
  "licence_shared_with": [
    "BOQ",
    "DDH Graham",
    "ME Bank",
    "Virgin Money"
  ]
}