{
  "brand": "Border Bank",
  "brand_label": "Border Bank",
  "brand_slug": "border-bank",
  "legal_entity_abn": "95087650799",
  "public_base_uri": "https://public.cdr.prd.borderbank.com.au",
  "logo_uri": "https://www.borderbank.com.au/wp-content/uploads/2023/05/BBLogoArtboard-2.png",
  "status": "ok",
  "stale": false,
  "bank_last_updated": "2026-07-29T00:55:44Z",
  "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":11,"of":52,"product_label":"Credit Card","card_type":"credit","purchase_rate_pct":10.76,"annual_fee":30.0,"fee_period":"annual","annual_fee_stated":true,"interest_free_days":55,"min_credit_limit":null,"max_credit_limit":null,"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": [
        "minimum credit limit $1,000",
        "annual fee waived in the first year",
        "must be or become a Border Bank member, 18 or over, living in Australia (citizen, permanent or specified temporary resident, or NZ citizen) or an Australian citizen working overseas"
      ]
    },
    "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": "911351e1-56ff-47b2-a31f-2e2730db41ef",
      "product_name": "Credit Card",
      "product_label": "Credit Card",
      "product_slug": "credit-card",
      "page": "/au/finance/credit-cards/cards/border-bank/credit-card/",
      "product_url": "https://www.borderbank.com.au/forms/visa-cards",
      "terms_url": "https://www.borderbank.com.au/important-documents",
      "fees_url": "https://www.borderbank.com.au/wp-content/uploads/2023/07/Schedule_of_fees_and_charges.pdf",
      "eligibility_url": "https://cdn.mediavalet.com/aunsw/policebank/sl2Q0glwkkCpaB8QctkHKQ/cLTjPjLfZkaWyZuNI_lhjg/Original/BBS14_Credit-Card-TMD.pdf",
      "card_type": "credit",
      "scheme": "visa",
      "tier": null,
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "description": "A Low Rate and low Annual Fee Credit card",
      "purchase_rate_pct": 10.76,
      "purchase_rate_is_base": null,
      "no_interest_card": null,
      "purchase_rate_range_pct": null,
      "purchase_rate_note": null,
      "cash_advance_rate_pct": 10.76,
      "intro_purchase_rate_pct": null,
      "intro_purchase_months": null,
      "interest_free_days": 55,
      "annual_fee": 30.0,
      "fee_period": "annual",
      "fee_as_stated": 30.0,
      "annual_fee_stated": true,
      "annual_fee_note": null,
      "fee_name": "Visa Credit Card 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": null,
      "cash_advance_fee": 3.8,
      "late_payment_fee": 10.0,
      "additional_cardholder_fee": 5.0,
      "balance_transfer": null,
      "rewards_program": null,
      "rewards_programs": [],
      "rewards_program_fee": null,
      "bonus_offer": null,
      "cashback_offer": null,
      "insurances": [],
      "digital_wallets": [
        "Google Pay",
        "Apple Pay",
        "Samsung Pay"
      ],
      "instalment_plan": false,
      "additional_cards": null,
      "additional_cards_offered": null,
      "min_credit_limit": null,
      "max_credit_limit": null,
      "min_income": null,
      "min_age": 18,
      "restrictions": [],
      "who_can_open": {
        "restricted": false,
        "groups": [],
        "open_note": null
      },
      "conditions": [
        "minimum credit limit $1,000",
        "annual fee waived in the first year",
        "must be or become a Border Bank member, 18 or over, living in Australia (citizen, permanent or specified temporary resident, or NZ citizen) or an Australian citizen working overseas"
      ],
      "eligibility": [],
      "ranked": true,
      "unranked_reason": null,
      "rankings": [
        {
          "segment": "personal",
          "kind": "low_rate",
          "rank": 11,
          "of": 52,
          "hidden_by_default": null
        }
      ],
      "source_kind": "feed",
      "record_stale": false,
      "source_url": "https://public.cdr.prd.borderbank.com.au/cds-au/v1/banking/products/911351e1-56ff-47b2-a31f-2e2730db41ef",
      "source_snapshot": "/au/finance/credit-cards/v1/source/border-bank/911351e1-56ff-47b2-a31f-2e2730db41ef.json",
      "snapshot_at": "2026-10-24T09:57:53Z",
      "bank_last_updated": "2026-07-29T00:55:44.876Z",
      "key_facts_sheet_url": "https://cdn.mediavalet.com/aunsw/policebank/9NizEJ4CIkWqSrSpHGDkHw/abyIKFGQAkWZvS8n0D8GqA/Original/BB-ADF12_Key-Facts-Credit-Card-Sheet.pdf",
      "document_links_source": {
        "key_facts_sheet_url": "found by hand 2026-11-01: Key Facts Sheet"
      },
      "from_issuer_page": null
    }
  ],
  "rows": [
    {
      "brand": "Border Bank",
      "brand_label": "Border Bank",
      "brand_slug": "border-bank",
      "legal_entity_abn": "95087650799",
      "product_id": "911351e1-56ff-47b2-a31f-2e2730db41ef",
      "product_name": "Credit Card",
      "product_label": "Credit Card",
      "product_slug": "credit-card",
      "page": "/au/finance/credit-cards/cards/border-bank/credit-card/",
      "product_url": "https://www.borderbank.com.au/forms/visa-cards",
      "terms_url": "https://www.borderbank.com.au/important-documents",
      "fees_url": "https://www.borderbank.com.au/wp-content/uploads/2023/07/Schedule_of_fees_and_charges.pdf",
      "eligibility_url": "https://cdn.mediavalet.com/aunsw/policebank/sl2Q0glwkkCpaB8QctkHKQ/cLTjPjLfZkaWyZuNI_lhjg/Original/BBS14_Credit-Card-TMD.pdf",
      "card_type": "credit",
      "scheme": "visa",
      "tier": null,
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "purchase_rate_pct": 10.76,
      "purchase_rate_is_base": null,
      "no_interest_card": null,
      "purchase_rate_range_pct": null,
      "cash_advance_rate_pct": 10.76,
      "intro_purchase_rate_pct": null,
      "intro_purchase_months": null,
      "interest_free_days": 55,
      "annual_fee": 30.0,
      "fee_period": "annual",
      "fee_as_stated": 30.0,
      "annual_fee_stated": true,
      "annual_fee_note": null,
      "fee_name": "Visa Credit Card Annual Fee",
      "first_year_fee_waived": false,
      "fee_waived_for_group": null,
      "foreign_transaction_fee_pct": 3.0,
      "foreign_transaction_fee": null,
      "cash_advance_fee_pct": null,
      "cash_advance_fee": 3.8,
      "late_payment_fee": 10.0,
      "additional_cardholder_fee": 5.0,
      "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": [
        "Google Pay",
        "Apple Pay",
        "Samsung Pay"
      ],
      "instalment_plan": false,
      "additional_cards": null,
      "additional_cards_offered": null,
      "min_credit_limit": null,
      "max_credit_limit": null,
      "min_income": null,
      "min_age": 18,
      "restrictions": [],
      "who_can_open": {
        "restricted": false,
        "groups": [],
        "open_note": null
      },
      "conditions": [
        "minimum credit limit $1,000",
        "annual fee waived in the first year",
        "must be or become a Border Bank member, 18 or over, living in Australia (citizen, permanent or specified temporary resident, or NZ citizen) or an Australian citizen working overseas"
      ],
      "ranked": true,
      "unranked_reason": null,
      "source_kind": "feed",
      "record_stale": false,
      "source_url": "https://public.cdr.prd.borderbank.com.au/cds-au/v1/banking/products/911351e1-56ff-47b2-a31f-2e2730db41ef",
      "source_snapshot": "/au/finance/credit-cards/v1/source/border-bank/911351e1-56ff-47b2-a31f-2e2730db41ef.json",
      "snapshot_at": "2026-11-12T02:35:49Z",
      "bank_last_updated": "2026-07-29T00:55:44.876Z",
      "key_facts_sheet_url": "https://cdn.mediavalet.com/aunsw/policebank/9NizEJ4CIkWqSrSpHGDkHw/abyIKFGQAkWZvS8n0D8GqA/Original/BB-ADF12_Key-Facts-Credit-Card-Sheet.pdf",
      "document_links_source": {
        "key_facts_sheet_url": "found by hand 2026-11-01: Key Facts Sheet"
      },
      "from_issuer_page": null,
      "rate_pct": 10.76,
      "rankings": [
        {
          "segment": "personal",
          "kind": "low_rate",
          "rank": 11,
          "of": 52,
          "hidden_by_default": null
        }
      ]
    }
  ],
  "licence_shared_with": [
    "Police Bank"
  ]
}