{
  "brand": "Credit Union SA",
  "brand_label": "Credit Union SA",
  "brand_slug": "credit-union-sa",
  "legal_entity_abn": "36087651232",
  "public_base_uri": "https://openbanking.api.creditunionsa.com.au",
  "logo_uri": "https://cms.creditunionsa.com.au/assets/images/Open-Banking/cusa-logo_stacked_trans_250px.png",
  "status": "ok",
  "stale": false,
  "bank_last_updated": "2026-06-28T14:00:00Z",
  "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":22,"of":52,"product_label":"Visa Credit Card","card_type":"credit","purchase_rate_pct":11.99,"annual_fee":59.0,"fee_period":"annual","annual_fee_stated":true,"interest_free_days":null,"min_credit_limit":1000.0,"max_credit_limit":20000.0,"bt_promo_rate_pct":0.0,"bt_promo_months":6,"bt_fee_pct":0.0,"bt_revert_rate_pct":11.99,"rewards_program":null,"conditions":"k1","restrictions":[],"record_stale":false},
      {"segment":"personal","kind":"balance_transfer","rank":16,"of":22,"product_label":"Visa Credit Card","card_type":"credit","purchase_rate_pct":11.99,"annual_fee":59.0,"fee_period":"annual","annual_fee_stated":true,"interest_free_days":null,"min_credit_limit":1000.0,"max_credit_limit":20000.0,"bt_promo_rate_pct":0.0,"bt_promo_months":6,"bt_fee_pct":0.0,"bt_revert_rate_pct":11.99,"rewards_program":null,"conditions":"k1","restrictions":[],"record_stale":false}
    ],
    "condition_sets": {
      "k1": [
        "corrected from the bank's own page: the credit union's page offers 0% on balance transfers for 6 months, at any time to new or existing cardholders, with no transfer fee, then the card's 11.99% variable rate; its feed carries no offer",
        "credit limit $1,000 to $20,000",
        "0% on balance transfers for 6 months, available any time to new or existing cardholders, no transfer fee; then 11.99%"
      ]
    },
    "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": "CREDITUNIONSA_OD_550",
      "product_name": "Education Community Credit Card",
      "product_label": "Education Community Credit Card",
      "product_slug": "education-community-credit-card",
      "page": "/au/finance/credit-cards/cards/credit-union-sa/education-community-credit-card/",
      "product_url": "https://www.creditunionsa.com.au/cards/education-community-credit-card/",
      "terms_url": "https://cms.creditunionsa.com.au/assets/documents/BRC-1025-Visa-Credit-Card-Terms-and-Conditions.pdf",
      "fees_url": "https://www.creditunionsa.com.au/fees/credit-cards-and-overdrafts/",
      "eligibility_url": "https://www.creditunionsa.com.au/cards/education-community-credit-card/",
      "card_type": "credit",
      "scheme": "visa",
      "tier": null,
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "description": "Our Education Community Credit Card includes no annual fee, a 0% pa introductory rate for the first six months on purchases, balance transfers and cash advances as well as a low ongoing interest rate after the first 6 months. You’ll have the ability to make fast payments with Google Pay, Apple Pay,…",
      "purchase_rate_pct": 11.49,
      "purchase_rate_is_base": null,
      "no_interest_card": null,
      "purchase_rate_range_pct": null,
      "purchase_rate_note": null,
      "cash_advance_rate_pct": 11.49,
      "intro_purchase_rate_pct": 0.0,
      "intro_purchase_months": 6,
      "interest_free_days": null,
      "annual_fee": 0.0,
      "fee_period": "annual",
      "fee_as_stated": 0.0,
      "annual_fee_stated": true,
      "annual_fee_note": "the feed states the fee as $0 with the words: Annual fee is waived for any employee of the education community and students carrying out studies in education.",
      "fee_name": "Education Community Credit Card Periodic",
      "fee_offers": [],
      "first_year_fee_waived": false,
      "fee_waived_for_group": true,
      "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": null,
      "rewards_programs": [],
      "rewards_program_fee": null,
      "bonus_offer": null,
      "cashback_offer": null,
      "insurances": [],
      "digital_wallets": [
        "Apple Pay",
        "Google Pay",
        "Garmin Pay",
        "Samsung Pay"
      ],
      "instalment_plan": false,
      "additional_cards": null,
      "additional_cards_offered": true,
      "min_credit_limit": 1000.0,
      "max_credit_limit": 20000.0,
      "min_income": null,
      "min_age": 18,
      "restrictions": [
        "occupation_membership"
      ],
      "who_can_open": {
        "restricted": true,
        "groups": [
          {
            "kind": "occupation",
            "who": "for current or former employees of the South Australian education community and education students (and immediate family)",
            "level": "product",
            "quote": "This offer is exclusive to current or former employees of the South Australian education community, students carrying out studies in education, and their eligible immediate family members.",
            "source": "https://www.creditunionsa.com.au/cards/education-community-credit-card/",
            "citation": {
              "quote": "This offer is exclusive to current or former employees of the South Australian education community, students carrying out studies in education, and their eligible immediate family members.",
              "url": "https://www.creditunionsa.com.au/cards/education-community-credit-card/#:~:text=This%20offer%20is%20exclusive%20to,their%20eligible%20immediate%20family%20members.",
              "document_sha256": "bf29facdeebb92c92fcd6821d3b73efd96e002c91ef1f7841e56f9b9a205a048",
              "confirmed": "2026-11-12"
            }
          }
        ],
        "open_note": null
      },
      "conditions": [
        "0.00% on purchases for the first 6 months, then the purchase rate",
        "the feed states the fee as $0 with the words: Annual fee is waived for any employee of the education community and students carrying out studies in education.",
        "credit limit $1,000 to $20,000",
        "Knowledge Counts Banking Benefits members and students carrying out studies in education and eligible family members (these are parents, children, grandparents…",
        "the 0% introductory rate for 6 months also covers balance transfers and cash advances, not only purchases",
        "for current or former employees of the South Australian education community and education students (and immediate family)"
      ],
      "eligibility": [
        "Knowledge Counts Banking Benefits members and students carrying out studies in education and eligible family members (these are parents, children, grandparents…"
      ],
      "ranked": true,
      "unranked_reason": null,
      "rankings": [
        {
          "segment": "personal",
          "kind": "low_rate",
          "rank": 16,
          "of": 62,
          "hidden_by_default": true
        }
      ],
      "source_kind": "feed",
      "record_stale": false,
      "source_url": "https://openbanking.api.creditunionsa.com.au/cds-au/v1/banking/products/CREDITUNIONSA_OD_550",
      "source_snapshot": "/au/finance/credit-cards/v1/source/credit-union-sa/CREDITUNIONSA_OD_550.json",
      "snapshot_at": "2026-10-24T09:57:56Z",
      "bank_last_updated": "2026-06-29T00:00:00.000+10:00",
      "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://cms.creditunionsa.com.au/assets/documents/BRC_1006-Visa-Credit-Card-Key-Fact-Sheets.pdf",
      "from_issuer_page": [
        {
          "source": "watched_term",
          "fields": [
            "restrictions"
          ],
          "confirmed": "2026-11-12",
          "url": "https://www.creditunionsa.com.au/cards/education-community-credit-card/#:~:text=This%20offer%20is%20exclusive%20to,their%20eligible%20immediate%20family%20members.",
          "quote": "This offer is exclusive to current or former employees of the South Australian education community, students carrying out studies in education, and their eligible immediate family members."
        }
      ]
    },
    {
      "product_id": "CREDITUNIONSA_OD_500",
      "product_name": "Visa Credit Card",
      "product_label": "Visa Credit Card",
      "product_slug": "visa-credit-card",
      "page": "/au/finance/credit-cards/cards/credit-union-sa/visa-credit-card/",
      "product_url": "https://www.creditunionsa.com.au/cards/visa-credit-card/",
      "terms_url": "https://cms.creditunionsa.com.au/assets/documents/BRC-1025-Visa-Credit-Card-Terms-and-Conditions.pdf",
      "fees_url": "https://www.creditunionsa.com.au/fees/credit-cards-and-overdrafts/",
      "eligibility_url": "https://www.creditunionsa.com.au/cards/visa-credit-card/",
      "card_type": "credit",
      "scheme": "visa",
      "tier": null,
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "description": "Our Visa Credit Card offers 6 months of 0% pa on balance transfers. Afterwards you’ll still enjoy a low ongoing interest rate, with the same low rate applying for all purchases and cash advances. You’ll have the ability to make fast payments with Google Pay, Apple Pay, Samsung Pay, Garmin Pay and V…",
      "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": 11.99,
      "intro_purchase_rate_pct": null,
      "intro_purchase_months": null,
      "interest_free_days": null,
      "annual_fee": 59.0,
      "fee_period": "annual",
      "fee_as_stated": 59.0,
      "annual_fee_stated": true,
      "annual_fee_note": null,
      "fee_name": "Visa Credit Card Periodic",
      "fee_offers": [
        "Annual fee is waived for any employee of the education community and students carrying out studies in education and eligible family members(these are parents, children, grandparents, grandchildren, siblings and partners only).",
        "Annual fee is waved for any employee at SA Power Network"
      ],
      "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": {
        "offers": [],
        "for_new_cards": false,
        "for_existing_customers": true,
        "ongoing_rate_pct": null,
        "fee_pct": 0.0,
        "revert_rate_pct": 11.99,
        "revert_to": null,
        "promo_rate_pct": 0.0,
        "promo_months": 6
      },
      "rewards_program": null,
      "rewards_programs": [],
      "rewards_program_fee": null,
      "bonus_offer": null,
      "cashback_offer": null,
      "insurances": [],
      "digital_wallets": [
        "Apple Pay",
        "Google Pay",
        "Garmin Pay",
        "Samsung Pay"
      ],
      "instalment_plan": false,
      "additional_cards": null,
      "additional_cards_offered": true,
      "min_credit_limit": 1000.0,
      "max_credit_limit": 20000.0,
      "min_income": null,
      "min_age": 18,
      "restrictions": [],
      "who_can_open": {
        "restricted": false,
        "groups": [],
        "open_note": null
      },
      "conditions": [
        "corrected from the bank's own page: the credit union's page offers 0% on balance transfers for 6 months, at any time to new or existing cardholders, with no transfer fee, then the card's 11.99% variable rate; its feed carries no offer",
        "credit limit $1,000 to $20,000",
        "0% on balance transfers for 6 months, available any time to new or existing cardholders, no transfer fee; then 11.99%"
      ],
      "eligibility": [],
      "ranked": true,
      "unranked_reason": null,
      "rankings": [
        {
          "segment": "personal",
          "kind": "low_rate",
          "rank": 22,
          "of": 52,
          "hidden_by_default": null
        },
        {
          "segment": "personal",
          "kind": "balance_transfer",
          "rank": 16,
          "of": 22,
          "hidden_by_default": null
        }
      ],
      "source_kind": "feed",
      "record_stale": false,
      "source_url": "https://openbanking.api.creditunionsa.com.au/cds-au/v1/banking/products/CREDITUNIONSA_OD_500",
      "source_snapshot": "/au/finance/credit-cards/v1/source/credit-union-sa/CREDITUNIONSA_OD_500.json",
      "snapshot_at": "2026-10-24T09:57:56Z",
      "bank_last_updated": "2026-06-29T00:00:00.000+10:00",
      "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://cms.creditunionsa.com.au/assets/documents/BRC_1006-Visa-Credit-Card-Key-Fact-Sheets.pdf",
      "correction": {
        "checked": "2026-11-05",
        "note": "the credit union's page offers 0% on balance transfers for 6 months, at any time to new or existing cardholders, with no transfer fee, then the card's 11.99% variable rate; its feed carries no offer",
        "fields": [
          "balance_transfer"
        ],
        "quotes": {
          "balance_transfer": {
            "text": "All credit card holders qualify for a balance transfer rate of 0.00% pa for 6 months at any time.",
            "url": "https://www.creditunionsa.com.au/cards/visa-credit-card/",
            "citation": {
              "quote": "All credit card holders qualify for a balance transfer rate of 0.00% pa for 6 months at any time.",
              "url": "https://www.creditunionsa.com.au/cards/visa-credit-card/#:~:text=All%20credit%20card%20holders%20qualify,6%20months%20at%20any%20time.",
              "document_sha256": "7d03608e673c3f22884eb2f02b88daff2cc2c59f2ccc72896461fa130af3a0a7",
              "confirmed": "2026-11-12"
            }
          },
          "fee": {
            "text": "Available any time for new or existing accounts and pay no balance transfer fee.",
            "url": "https://www.creditunionsa.com.au/cards/visa-credit-card/",
            "citation": {
              "quote": "Available any time for new or existing accounts and pay no balance transfer fee.",
              "url": "https://www.creditunionsa.com.au/cards/visa-credit-card/#:~:text=Available%20any%20time%20for%20new,pay%20no%20balance%20transfer%20fee.",
              "document_sha256": "7d03608e673c3f22884eb2f02b88daff2cc2c59f2ccc72896461fa130af3a0a7",
              "confirmed": "2026-11-12"
            }
          }
        },
        "verified": {
          "balance_transfer": "found",
          "fee": "found"
        }
      },
      "from_issuer_page": [
        {
          "source": "correction",
          "fields": [
            "bt_promo_rate_pct",
            "bt_promo_months",
            "bt_fee_pct",
            "bt_revert_rate_pct"
          ],
          "confirmed": "2026-11-12",
          "url": "https://www.creditunionsa.com.au/cards/visa-credit-card/#:~:text=All%20credit%20card%20holders%20qualify,6%20months%20at%20any%20time.",
          "quote": "All credit card holders qualify for a balance transfer rate of 0.00% pa for 6 months at any time."
        }
      ]
    },
    {
      "product_id": "CREDITUNIONSA_OD_570",
      "product_name": "Workplace Benefits Credit Card",
      "product_label": "Workplace Benefits Credit Card",
      "product_slug": "workplace-benefits-credit-card",
      "page": "/au/finance/credit-cards/cards/credit-union-sa/workplace-benefits-credit-card/",
      "product_url": "https://www.creditunionsa.com.au/cards/workplace-benefits-credit-card/",
      "terms_url": "https://cms.creditunionsa.com.au/assets/documents/BRC-1025-Visa-Credit-Card-Terms-and-Conditions.pdf",
      "fees_url": "https://www.creditunionsa.com.au/fees/credit-cards-and-overdrafts/",
      "eligibility_url": "https://www.creditunionsa.com.au/cards/workplace-benefits-credit-card/",
      "card_type": "credit",
      "scheme": "visa",
      "tier": null,
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "description": "Our Workplace Benefits Credit Card includes no annual fee, a 0% pa introductory rate for the first six months on purchases, balance transfers and cash advances as well as a low ongoing interest rate after the first 6 months. You’ll have the ability to make fast payments with Google Pay, Apple Pay,…",
      "purchase_rate_pct": 11.49,
      "purchase_rate_is_base": null,
      "no_interest_card": null,
      "purchase_rate_range_pct": null,
      "purchase_rate_note": null,
      "cash_advance_rate_pct": 11.49,
      "intro_purchase_rate_pct": 0.0,
      "intro_purchase_months": 6,
      "interest_free_days": null,
      "annual_fee": 0.0,
      "fee_period": "annual",
      "fee_as_stated": 0.0,
      "annual_fee_stated": true,
      "annual_fee_note": "the feed states the fee as $0 with the words: Annual fee is waived for any Workplace Banking Benefits member.",
      "fee_name": "Workplace Benefits Credit Card Periodic",
      "fee_offers": [],
      "first_year_fee_waived": false,
      "fee_waived_for_group": true,
      "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": null,
      "rewards_programs": [],
      "rewards_program_fee": null,
      "bonus_offer": null,
      "cashback_offer": null,
      "insurances": [],
      "digital_wallets": [
        "Apple Pay",
        "Google Pay",
        "Garmin Pay",
        "Samsung Pay"
      ],
      "instalment_plan": false,
      "additional_cards": null,
      "additional_cards_offered": true,
      "min_credit_limit": 1000.0,
      "max_credit_limit": 20000.0,
      "min_income": null,
      "min_age": 18,
      "restrictions": [
        "occupation_membership"
      ],
      "who_can_open": {
        "restricted": true,
        "groups": [
          {
            "kind": "occupation",
            "who": "only for employees of the companies on the Community Partnerships and Workplace Banking list",
            "level": "product",
            "quote": "These offers are available to any employee at any of the companies listed on the Community Partnerships and Workplace Banking page.",
            "source": "https://www.creditunionsa.com.au/cards/workplace-benefits-credit-card/",
            "citation": {
              "quote": "These offers are available to any employee at any of the companies listed on the Community Partnerships and Workplace Banking page.",
              "url": "https://www.creditunionsa.com.au/cards/workplace-benefits-credit-card/#:~:text=These%20offers%20are%20available%20to,Partnerships%20and%20Workplace%20Banking%20page.",
              "document_sha256": "ca7542831996e66fa8f8901e9a9f23421c99ab07b6ce94064ee5b1bbc4b32b89",
              "confirmed": "2026-11-12"
            }
          }
        ],
        "open_note": null
      },
      "conditions": [
        "0.00% on purchases for the first 6 months, then the purchase rate",
        "the feed states the fee as $0 with the words: Annual fee is waived for any Workplace Banking Benefits member.",
        "credit limit $1,000 to $20,000",
        "Workplace Banking Benefits are available to any qualifying members. Refer to the website for more info.",
        "the 0% introductory rate for 6 months also covers balance transfers and cash advances, not only purchases",
        "only for employees of the companies on the Community Partnerships and Workplace Banking list"
      ],
      "eligibility": [
        "Workplace Banking Benefits are available to any qualifying members. Refer to the website for more info."
      ],
      "ranked": true,
      "unranked_reason": null,
      "rankings": [],
      "source_kind": "feed",
      "record_stale": false,
      "source_url": "https://openbanking.api.creditunionsa.com.au/cds-au/v1/banking/products/CREDITUNIONSA_OD_570",
      "source_snapshot": "/au/finance/credit-cards/v1/source/credit-union-sa/CREDITUNIONSA_OD_570.json",
      "snapshot_at": "2026-11-12T02:35:51Z",
      "bank_last_updated": "2026-06-29T00:00:00.000+10:00",
      "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://cms.creditunionsa.com.au/assets/documents/BRC_1006-Visa-Credit-Card-Key-Fact-Sheets.pdf",
      "from_issuer_page": [
        {
          "source": "watched_term",
          "fields": [
            "restrictions"
          ],
          "confirmed": "2026-11-12",
          "url": "https://www.creditunionsa.com.au/cards/workplace-benefits-credit-card/#:~:text=These%20offers%20are%20available%20to,Partnerships%20and%20Workplace%20Banking%20page.",
          "quote": "These offers are available to any employee at any of the companies listed on the Community Partnerships and Workplace Banking page."
        }
      ]
    }
  ],
  "rows": [
    {
      "brand": "Credit Union SA",
      "brand_label": "Credit Union SA",
      "brand_slug": "credit-union-sa",
      "legal_entity_abn": "36087651232",
      "product_id": "CREDITUNIONSA_OD_550",
      "product_name": "Education Community Credit Card",
      "product_label": "Education Community Credit Card",
      "product_slug": "education-community-credit-card",
      "page": "/au/finance/credit-cards/cards/credit-union-sa/education-community-credit-card/",
      "product_url": "https://www.creditunionsa.com.au/cards/education-community-credit-card/",
      "terms_url": "https://cms.creditunionsa.com.au/assets/documents/BRC-1025-Visa-Credit-Card-Terms-and-Conditions.pdf",
      "fees_url": "https://www.creditunionsa.com.au/fees/credit-cards-and-overdrafts/",
      "eligibility_url": "https://www.creditunionsa.com.au/cards/education-community-credit-card/",
      "card_type": "credit",
      "scheme": "visa",
      "tier": null,
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "purchase_rate_pct": 11.49,
      "purchase_rate_is_base": null,
      "no_interest_card": null,
      "purchase_rate_range_pct": null,
      "cash_advance_rate_pct": 11.49,
      "intro_purchase_rate_pct": 0.0,
      "intro_purchase_months": 6,
      "interest_free_days": null,
      "annual_fee": 0.0,
      "fee_period": "annual",
      "fee_as_stated": 0.0,
      "annual_fee_stated": true,
      "annual_fee_note": "the feed states the fee as $0 with the words: Annual fee is waived for any employee of the education community and students carrying out studies in education.",
      "fee_name": "Education Community Credit Card Periodic",
      "first_year_fee_waived": false,
      "fee_waived_for_group": true,
      "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": null,
      "rewards_programs": [],
      "rewards_program_fee": null,
      "bonus_offer": null,
      "cashback_offer": null,
      "digital_wallets": [
        "Apple Pay",
        "Google Pay",
        "Garmin Pay",
        "Samsung Pay"
      ],
      "instalment_plan": false,
      "additional_cards": null,
      "additional_cards_offered": true,
      "min_credit_limit": 1000.0,
      "max_credit_limit": 20000.0,
      "min_income": null,
      "min_age": 18,
      "restrictions": [
        "occupation_membership"
      ],
      "who_can_open": {
        "restricted": true,
        "groups": [
          {
            "kind": "occupation",
            "who": "for current or former employees of the South Australian education community and education students (and immediate family)",
            "level": "product",
            "quote": "This offer is exclusive to current or former employees of the South Australian education community, students carrying out studies in education, and their eligible immediate family members.",
            "source": "https://www.creditunionsa.com.au/cards/education-community-credit-card/",
            "citation": {
              "quote": "This offer is exclusive to current or former employees of the South Australian education community, students carrying out studies in education, and their eligible immediate family members.",
              "url": "https://www.creditunionsa.com.au/cards/education-community-credit-card/#:~:text=This%20offer%20is%20exclusive%20to,their%20eligible%20immediate%20family%20members.",
              "document_sha256": "bf29facdeebb92c92fcd6821d3b73efd96e002c91ef1f7841e56f9b9a205a048",
              "confirmed": "2026-11-12"
            }
          }
        ],
        "open_note": null
      },
      "conditions": [
        "0.00% on purchases for the first 6 months, then the purchase rate",
        "the feed states the fee as $0 with the words: Annual fee is waived for any employee of the education community and students carrying out studies in education.",
        "credit limit $1,000 to $20,000",
        "Knowledge Counts Banking Benefits members and students carrying out studies in education and eligible family members (these are parents, children, grandparents…",
        "the 0% introductory rate for 6 months also covers balance transfers and cash advances, not only purchases",
        "for current or former employees of the South Australian education community and education students (and immediate family)"
      ],
      "ranked": true,
      "unranked_reason": null,
      "source_kind": "feed",
      "record_stale": false,
      "source_url": "https://openbanking.api.creditunionsa.com.au/cds-au/v1/banking/products/CREDITUNIONSA_OD_550",
      "source_snapshot": "/au/finance/credit-cards/v1/source/credit-union-sa/CREDITUNIONSA_OD_550.json",
      "snapshot_at": "2026-11-12T02:35:51Z",
      "bank_last_updated": "2026-06-29T00:00:00.000+10:00",
      "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://cms.creditunionsa.com.au/assets/documents/BRC_1006-Visa-Credit-Card-Key-Fact-Sheets.pdf",
      "from_issuer_page": [
        {
          "source": "watched_term",
          "fields": [
            "restrictions"
          ],
          "confirmed": "2026-11-12",
          "url": "https://www.creditunionsa.com.au/cards/education-community-credit-card/#:~:text=This%20offer%20is%20exclusive%20to,their%20eligible%20immediate%20family%20members.",
          "quote": "This offer is exclusive to current or former employees of the South Australian education community, students carrying out studies in education, and their eligible immediate family members."
        }
      ],
      "rate_pct": 11.49,
      "rankings": [
        {
          "segment": "personal",
          "kind": "low_rate",
          "rank": 16,
          "of": 62,
          "hidden_by_default": true
        }
      ]
    },
    {
      "brand": "Credit Union SA",
      "brand_label": "Credit Union SA",
      "brand_slug": "credit-union-sa",
      "legal_entity_abn": "36087651232",
      "product_id": "CREDITUNIONSA_OD_500",
      "product_name": "Visa Credit Card",
      "product_label": "Visa Credit Card",
      "product_slug": "visa-credit-card",
      "page": "/au/finance/credit-cards/cards/credit-union-sa/visa-credit-card/",
      "product_url": "https://www.creditunionsa.com.au/cards/visa-credit-card/",
      "terms_url": "https://cms.creditunionsa.com.au/assets/documents/BRC-1025-Visa-Credit-Card-Terms-and-Conditions.pdf",
      "fees_url": "https://www.creditunionsa.com.au/fees/credit-cards-and-overdrafts/",
      "eligibility_url": "https://www.creditunionsa.com.au/cards/visa-credit-card/",
      "card_type": "credit",
      "scheme": "visa",
      "tier": null,
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "purchase_rate_pct": 11.99,
      "purchase_rate_is_base": null,
      "no_interest_card": null,
      "purchase_rate_range_pct": null,
      "cash_advance_rate_pct": 11.99,
      "intro_purchase_rate_pct": null,
      "intro_purchase_months": null,
      "interest_free_days": null,
      "annual_fee": 59.0,
      "fee_period": "annual",
      "fee_as_stated": 59.0,
      "annual_fee_stated": true,
      "annual_fee_note": null,
      "fee_name": "Visa Credit Card Periodic",
      "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": 6,
      "bt_fee_pct": 0.0,
      "bt_revert_rate_pct": 11.99,
      "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",
        "Garmin Pay",
        "Samsung Pay"
      ],
      "instalment_plan": false,
      "additional_cards": null,
      "additional_cards_offered": true,
      "min_credit_limit": 1000.0,
      "max_credit_limit": 20000.0,
      "min_income": null,
      "min_age": 18,
      "restrictions": [],
      "who_can_open": {
        "restricted": false,
        "groups": [],
        "open_note": null
      },
      "conditions": [
        "corrected from the bank's own page: the credit union's page offers 0% on balance transfers for 6 months, at any time to new or existing cardholders, with no transfer fee, then the card's 11.99% variable rate; its feed carries no offer",
        "credit limit $1,000 to $20,000",
        "0% on balance transfers for 6 months, available any time to new or existing cardholders, no transfer fee; then 11.99%"
      ],
      "ranked": true,
      "unranked_reason": null,
      "source_kind": "feed",
      "record_stale": false,
      "source_url": "https://openbanking.api.creditunionsa.com.au/cds-au/v1/banking/products/CREDITUNIONSA_OD_500",
      "source_snapshot": "/au/finance/credit-cards/v1/source/credit-union-sa/CREDITUNIONSA_OD_500.json",
      "snapshot_at": "2026-11-12T02:35:51Z",
      "bank_last_updated": "2026-06-29T00:00:00.000+10:00",
      "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://cms.creditunionsa.com.au/assets/documents/BRC_1006-Visa-Credit-Card-Key-Fact-Sheets.pdf",
      "correction": {
        "checked": "2026-11-05",
        "note": "the credit union's page offers 0% on balance transfers for 6 months, at any time to new or existing cardholders, with no transfer fee, then the card's 11.99% variable rate; its feed carries no offer",
        "fields": [
          "balance_transfer"
        ],
        "quotes": {
          "balance_transfer": {
            "text": "All credit card holders qualify for a balance transfer rate of 0.00% pa for 6 months at any time.",
            "url": "https://www.creditunionsa.com.au/cards/visa-credit-card/",
            "citation": {
              "quote": "All credit card holders qualify for a balance transfer rate of 0.00% pa for 6 months at any time.",
              "url": "https://www.creditunionsa.com.au/cards/visa-credit-card/#:~:text=All%20credit%20card%20holders%20qualify,6%20months%20at%20any%20time.",
              "document_sha256": "7d03608e673c3f22884eb2f02b88daff2cc2c59f2ccc72896461fa130af3a0a7",
              "confirmed": "2026-11-12"
            }
          },
          "fee": {
            "text": "Available any time for new or existing accounts and pay no balance transfer fee.",
            "url": "https://www.creditunionsa.com.au/cards/visa-credit-card/",
            "citation": {
              "quote": "Available any time for new or existing accounts and pay no balance transfer fee.",
              "url": "https://www.creditunionsa.com.au/cards/visa-credit-card/#:~:text=Available%20any%20time%20for%20new,pay%20no%20balance%20transfer%20fee.",
              "document_sha256": "7d03608e673c3f22884eb2f02b88daff2cc2c59f2ccc72896461fa130af3a0a7",
              "confirmed": "2026-11-12"
            }
          }
        },
        "verified": {
          "balance_transfer": "found",
          "fee": "found"
        }
      },
      "from_issuer_page": [
        {
          "source": "correction",
          "fields": [
            "bt_promo_rate_pct",
            "bt_promo_months",
            "bt_fee_pct",
            "bt_revert_rate_pct"
          ],
          "confirmed": "2026-11-12",
          "url": "https://www.creditunionsa.com.au/cards/visa-credit-card/#:~:text=All%20credit%20card%20holders%20qualify,6%20months%20at%20any%20time.",
          "quote": "All credit card holders qualify for a balance transfer rate of 0.00% pa for 6 months at any time."
        }
      ],
      "rate_pct": 11.99,
      "rankings": [
        {
          "segment": "personal",
          "kind": "low_rate",
          "rank": 22,
          "of": 52,
          "hidden_by_default": null
        },
        {
          "segment": "personal",
          "kind": "balance_transfer",
          "rank": 16,
          "of": 22,
          "hidden_by_default": null
        }
      ]
    },
    {
      "brand": "Credit Union SA",
      "brand_label": "Credit Union SA",
      "brand_slug": "credit-union-sa",
      "legal_entity_abn": "36087651232",
      "product_id": "CREDITUNIONSA_OD_570",
      "product_name": "Workplace Benefits Credit Card",
      "product_label": "Workplace Benefits Credit Card",
      "product_slug": "workplace-benefits-credit-card",
      "page": "/au/finance/credit-cards/cards/credit-union-sa/workplace-benefits-credit-card/",
      "product_url": "https://www.creditunionsa.com.au/cards/workplace-benefits-credit-card/",
      "terms_url": "https://cms.creditunionsa.com.au/assets/documents/BRC-1025-Visa-Credit-Card-Terms-and-Conditions.pdf",
      "fees_url": "https://www.creditunionsa.com.au/fees/credit-cards-and-overdrafts/",
      "eligibility_url": "https://www.creditunionsa.com.au/cards/workplace-benefits-credit-card/",
      "card_type": "credit",
      "scheme": "visa",
      "tier": null,
      "segments": [
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      ],
      "segment": "personal",
      "purchase_rate_pct": 11.49,
      "purchase_rate_is_base": null,
      "no_interest_card": null,
      "purchase_rate_range_pct": null,
      "cash_advance_rate_pct": 11.49,
      "intro_purchase_rate_pct": 0.0,
      "intro_purchase_months": 6,
      "interest_free_days": null,
      "annual_fee": 0.0,
      "fee_period": "annual",
      "fee_as_stated": 0.0,
      "annual_fee_stated": true,
      "annual_fee_note": "the feed states the fee as $0 with the words: Annual fee is waived for any Workplace Banking Benefits member.",
      "fee_name": "Workplace Benefits Credit Card Periodic",
      "first_year_fee_waived": false,
      "fee_waived_for_group": true,
      "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": null,
      "rewards_programs": [],
      "rewards_program_fee": null,
      "bonus_offer": null,
      "cashback_offer": null,
      "digital_wallets": [
        "Apple Pay",
        "Google Pay",
        "Garmin Pay",
        "Samsung Pay"
      ],
      "instalment_plan": false,
      "additional_cards": null,
      "additional_cards_offered": true,
      "min_credit_limit": 1000.0,
      "max_credit_limit": 20000.0,
      "min_income": null,
      "min_age": 18,
      "restrictions": [
        "occupation_membership"
      ],
      "who_can_open": {
        "restricted": true,
        "groups": [
          {
            "kind": "occupation",
            "who": "only for employees of the companies on the Community Partnerships and Workplace Banking list",
            "level": "product",
            "quote": "These offers are available to any employee at any of the companies listed on the Community Partnerships and Workplace Banking page.",
            "source": "https://www.creditunionsa.com.au/cards/workplace-benefits-credit-card/",
            "citation": {
              "quote": "These offers are available to any employee at any of the companies listed on the Community Partnerships and Workplace Banking page.",
              "url": "https://www.creditunionsa.com.au/cards/workplace-benefits-credit-card/#:~:text=These%20offers%20are%20available%20to,Partnerships%20and%20Workplace%20Banking%20page.",
              "document_sha256": "ca7542831996e66fa8f8901e9a9f23421c99ab07b6ce94064ee5b1bbc4b32b89",
              "confirmed": "2026-11-12"
            }
          }
        ],
        "open_note": null
      },
      "conditions": [
        "0.00% on purchases for the first 6 months, then the purchase rate",
        "the feed states the fee as $0 with the words: Annual fee is waived for any Workplace Banking Benefits member.",
        "credit limit $1,000 to $20,000",
        "Workplace Banking Benefits are available to any qualifying members. Refer to the website for more info.",
        "the 0% introductory rate for 6 months also covers balance transfers and cash advances, not only purchases",
        "only for employees of the companies on the Community Partnerships and Workplace Banking list"
      ],
      "ranked": true,
      "unranked_reason": null,
      "source_kind": "feed",
      "record_stale": false,
      "source_url": "https://openbanking.api.creditunionsa.com.au/cds-au/v1/banking/products/CREDITUNIONSA_OD_570",
      "source_snapshot": "/au/finance/credit-cards/v1/source/credit-union-sa/CREDITUNIONSA_OD_570.json",
      "snapshot_at": "2026-11-12T02:35:51Z",
      "bank_last_updated": "2026-06-29T00:00:00.000+10:00",
      "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://cms.creditunionsa.com.au/assets/documents/BRC_1006-Visa-Credit-Card-Key-Fact-Sheets.pdf",
      "from_issuer_page": [
        {
          "source": "watched_term",
          "fields": [
            "restrictions"
          ],
          "confirmed": "2026-11-12",
          "url": "https://www.creditunionsa.com.au/cards/workplace-benefits-credit-card/#:~:text=These%20offers%20are%20available%20to,Partnerships%20and%20Workplace%20Banking%20page.",
          "quote": "These offers are available to any employee at any of the companies listed on the Community Partnerships and Workplace Banking page."
        }
      ],
      "rate_pct": 11.49,
      "rankings": []
    }
  ],
  "licence_shared_with": []
}