{
  "brand": "Defence Bank",
  "brand_label": "Defence Bank",
  "brand_slug": "defence-bank",
  "legal_entity_abn": "57087651385",
  "public_base_uri": "https://product.defencebank.com.au",
  "logo_uri": "https://www.defencebank.com.au/globalassets/images/logos/defence-bank/logo.svg",
  "status": "ok",
  "stale": false,
  "bank_last_updated": "2026-03-15T13:00:00Z",
  "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":4,"of":52,"product_label":"Foundation Credit Card","card_type":"credit","purchase_rate_pct":8.99,"annual_fee":45.0,"fee_period":"annual","annual_fee_stated":true,"interest_free_days":55,"min_credit_limit":null,"max_credit_limit":null,"bt_promo_rate_pct":3.99,"bt_promo_months":6,"bt_fee_pct":null,"bt_revert_rate_pct":8.99,"rewards_program":null,"conditions":"k1","restrictions":[],"record_stale":false},
      {"segment":"personal","kind":"balance_transfer","rank":21,"of":22,"product_label":"Foundation Credit Card","card_type":"credit","purchase_rate_pct":8.99,"annual_fee":45.0,"fee_period":"annual","annual_fee_stated":true,"interest_free_days":55,"min_credit_limit":null,"max_credit_limit":null,"bt_promo_rate_pct":3.99,"bt_promo_months":6,"bt_fee_pct":null,"bt_revert_rate_pct":8.99,"rewards_program":null,"conditions":"k1","restrictions":[],"record_stale":false}
    ],
    "condition_sets": {
      "k1": [
        "corrected from the bank's own page: 8.99% on purchases and cash advances, a $45 annual fee, and 3.99% for the first six months on purchases, balance transfers and cash advances (rates current as at 15 July 2026)",
        "the feed labels the card's rate as a variable rate rather than a purchase rate",
        "3.99% on purchases for the first 6 months, then the purchase rate",
        "$20 late payment fee; cash advance fee from $4.10"
      ]
    },
    "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": "552",
      "product_name": "Defence Bank Foundation Credit Card",
      "product_label": "Foundation Credit Card",
      "product_slug": "foundation-credit-card",
      "page": "/au/finance/credit-cards/cards/defence-bank/foundation-credit-card/",
      "product_url": "https://www.defencebank.com.au/creditcard",
      "terms_url": "https://www.defencebank.com.au/globalassets/documents/legal--compliance/disclosure-documents/defence-bank-products-and-services-conditions-of-use.pdf",
      "fees_url": "https://www.defencebank.com.au/creditcard",
      "eligibility_url": "https://www.defencebank.com.au/creditcard",
      "card_type": "credit",
      "scheme": "visa",
      "tier": null,
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "description": "A Visa credit card that gives back. Half of the annual $45 card fee is donated to the Defence Bank Foundation - a charity whose sole beneficiary is Defence Community Dogs.",
      "purchase_rate_pct": 8.99,
      "purchase_rate_is_base": null,
      "no_interest_card": null,
      "purchase_rate_range_pct": null,
      "purchase_rate_note": null,
      "cash_advance_rate_pct": 8.99,
      "intro_purchase_rate_pct": 3.99,
      "intro_purchase_months": 6,
      "interest_free_days": 55,
      "annual_fee": 45.0,
      "fee_period": "annual",
      "fee_as_stated": 45.0,
      "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": null,
      "cash_advance_fee": null,
      "late_payment_fee": null,
      "additional_cardholder_fee": null,
      "balance_transfer": {
        "offers": [],
        "for_new_cards": true,
        "for_existing_customers": null,
        "ongoing_rate_pct": null,
        "fee_pct": null,
        "revert_rate_pct": 8.99,
        "revert_to": "cash_advance",
        "promo_rate_pct": 3.99,
        "promo_months": 6
      },
      "rewards_program": null,
      "rewards_programs": [],
      "rewards_program_fee": null,
      "bonus_offer": null,
      "cashback_offer": null,
      "insurances": [],
      "digital_wallets": [
        "Compatible with digital wallets from Ap…"
      ],
      "instalment_plan": false,
      "additional_cards": null,
      "additional_cards_offered": true,
      "min_credit_limit": null,
      "max_credit_limit": null,
      "min_income": null,
      "min_age": null,
      "restrictions": [],
      "who_can_open": {
        "restricted": false,
        "groups": [],
        "open_note": null
      },
      "conditions": [
        "corrected from the bank's own page: 8.99% on purchases and cash advances, a $45 annual fee, and 3.99% for the first six months on purchases, balance transfers and cash advances (rates current as at 15 July 2026)",
        "the feed labels the card's rate as a variable rate rather than a purchase rate",
        "3.99% on purchases for the first 6 months, then the purchase rate",
        "$20 late payment fee; cash advance fee from $4.10"
      ],
      "eligibility": [],
      "ranked": true,
      "unranked_reason": null,
      "rankings": [
        {
          "segment": "personal",
          "kind": "low_rate",
          "rank": 4,
          "of": 52,
          "hidden_by_default": null
        },
        {
          "segment": "personal",
          "kind": "balance_transfer",
          "rank": 21,
          "of": 22,
          "hidden_by_default": null
        }
      ],
      "source_kind": "feed",
      "record_stale": false,
      "source_url": "https://product.defencebank.com.au/cds-au/v1/banking/products/552",
      "source_snapshot": "/au/finance/credit-cards/v1/source/defence-bank/552.json",
      "snapshot_at": "2026-10-24T09:57:57Z",
      "bank_last_updated": "2026-03-16T00:00:00.000+11:00",
      "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://www.defencebank.com.au/globalassets/documents/credit-cards/defence-bank-foundation-credit-card---key-facts-sheet.pdf",
      "correction": {
        "checked": "2026-10-30",
        "note": "8.99% on purchases and cash advances, a $45 annual fee, and 3.99% for the first six months on purchases, balance transfers and cash advances (rates current as at 15 July 2026)",
        "fields": [
          "cash_advance_rate_pct",
          "balance_transfer"
        ],
        "quotes": {
          "intro": {
            "text": "3.99% p.a. six month introductory rate on balance transfers, purchases and cash advances",
            "url": "https://www.defencebank.com.au/creditcard",
            "citation": {
              "quote": "3.99% p.a. six month introductory rate on balance transfers, purchases and cash advances",
              "url": "https://www.defencebank.com.au/creditcard#:~:text=3.99%25%20p.a.%20six%20month%20introductory,transfers%2C%20purchases%20and%20cash%20advances",
              "document_sha256": "2767c5b4aa8275d712a02d6c18e6529630944b42f01d5138efb31b84b876334c",
              "confirmed": "2026-11-12"
            }
          },
          "rate": {
            "text": "8.99% p.a. ongoing rate on purchases and cash advances",
            "url": "https://www.defencebank.com.au/creditcard",
            "citation": {
              "quote": "8.99% p.a. ongoing rate on purchases and cash advances",
              "url": "https://www.defencebank.com.au/creditcard#:~:text=8.99%25%20p.a.%20ongoing%20rate%20on%20purchases%20and%20cash%20advances",
              "document_sha256": "2767c5b4aa8275d712a02d6c18e6529630944b42f01d5138efb31b84b876334c",
              "confirmed": "2026-11-12"
            }
          },
          "annual_fee": {
            "text": "Half of the annual $45 card fee is donated to the Defence Bank Foundation",
            "url": "https://www.defencebank.com.au/creditcard",
            "citation": {
              "quote": "Half of the annual $45 card fee is donated to the Defence Bank Foundation",
              "url": "https://www.defencebank.com.au/creditcard#:~:text=Half%20of%20the%20annual%20%2445,to%20the%20Defence%20Bank%20Foundation",
              "document_sha256": "2767c5b4aa8275d712a02d6c18e6529630944b42f01d5138efb31b84b876334c",
              "confirmed": "2026-11-12"
            }
          }
        },
        "verified": {
          "intro": "found",
          "rate": "found",
          "annual_fee": "found"
        }
      },
      "from_issuer_page": [
        {
          "source": "correction",
          "fields": [
            "cash_advance_rate_pct",
            "bt_promo_rate_pct",
            "bt_promo_months",
            "bt_revert_rate_pct"
          ],
          "confirmed": "2026-11-12",
          "url": "https://www.defencebank.com.au/creditcard#:~:text=3.99%25%20p.a.%20six%20month%20introductory,transfers%2C%20purchases%20and%20cash%20advances",
          "quote": "3.99% p.a. six month introductory rate on balance transfers, purchases and cash advances"
        }
      ]
    }
  ],
  "rows": [
    {
      "brand": "Defence Bank",
      "brand_label": "Defence Bank",
      "brand_slug": "defence-bank",
      "legal_entity_abn": "57087651385",
      "product_id": "552",
      "product_name": "Defence Bank Foundation Credit Card",
      "product_label": "Foundation Credit Card",
      "product_slug": "foundation-credit-card",
      "page": "/au/finance/credit-cards/cards/defence-bank/foundation-credit-card/",
      "product_url": "https://www.defencebank.com.au/creditcard",
      "terms_url": "https://www.defencebank.com.au/globalassets/documents/legal--compliance/disclosure-documents/defence-bank-products-and-services-conditions-of-use.pdf",
      "fees_url": "https://www.defencebank.com.au/creditcard",
      "eligibility_url": "https://www.defencebank.com.au/creditcard",
      "card_type": "credit",
      "scheme": "visa",
      "tier": null,
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "purchase_rate_pct": 8.99,
      "purchase_rate_is_base": null,
      "no_interest_card": null,
      "purchase_rate_range_pct": null,
      "cash_advance_rate_pct": 8.99,
      "intro_purchase_rate_pct": 3.99,
      "intro_purchase_months": 6,
      "interest_free_days": 55,
      "annual_fee": 45.0,
      "fee_period": "annual",
      "fee_as_stated": 45.0,
      "annual_fee_stated": true,
      "annual_fee_note": null,
      "fee_name": "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": null,
      "late_payment_fee": null,
      "additional_cardholder_fee": null,
      "bt_promo_rate_pct": 3.99,
      "bt_promo_months": 6,
      "bt_fee_pct": null,
      "bt_revert_rate_pct": 8.99,
      "bt_revert_to": "cash_advance",
      "rewards_program": null,
      "rewards_programs": [],
      "rewards_program_fee": null,
      "bonus_offer": null,
      "cashback_offer": null,
      "digital_wallets": [
        "Compatible with digital wallets from Ap…"
      ],
      "instalment_plan": false,
      "additional_cards": null,
      "additional_cards_offered": true,
      "min_credit_limit": null,
      "max_credit_limit": null,
      "min_income": null,
      "min_age": null,
      "restrictions": [],
      "who_can_open": {
        "restricted": false,
        "groups": [],
        "open_note": null
      },
      "conditions": [
        "corrected from the bank's own page: 8.99% on purchases and cash advances, a $45 annual fee, and 3.99% for the first six months on purchases, balance transfers and cash advances (rates current as at 15 July 2026)",
        "the feed labels the card's rate as a variable rate rather than a purchase rate",
        "3.99% on purchases for the first 6 months, then the purchase rate",
        "$20 late payment fee; cash advance fee from $4.10"
      ],
      "ranked": true,
      "unranked_reason": null,
      "source_kind": "feed",
      "record_stale": false,
      "source_url": "https://product.defencebank.com.au/cds-au/v1/banking/products/552",
      "source_snapshot": "/au/finance/credit-cards/v1/source/defence-bank/552.json",
      "snapshot_at": "2026-11-12T02:35:52Z",
      "bank_last_updated": "2026-03-16T00:00:00.000+11:00",
      "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://www.defencebank.com.au/globalassets/documents/credit-cards/defence-bank-foundation-credit-card---key-facts-sheet.pdf",
      "correction": {
        "checked": "2026-10-30",
        "note": "8.99% on purchases and cash advances, a $45 annual fee, and 3.99% for the first six months on purchases, balance transfers and cash advances (rates current as at 15 July 2026)",
        "fields": [
          "cash_advance_rate_pct",
          "balance_transfer"
        ],
        "quotes": {
          "intro": {
            "text": "3.99% p.a. six month introductory rate on balance transfers, purchases and cash advances",
            "url": "https://www.defencebank.com.au/creditcard",
            "citation": {
              "quote": "3.99% p.a. six month introductory rate on balance transfers, purchases and cash advances",
              "url": "https://www.defencebank.com.au/creditcard#:~:text=3.99%25%20p.a.%20six%20month%20introductory,transfers%2C%20purchases%20and%20cash%20advances",
              "document_sha256": "2767c5b4aa8275d712a02d6c18e6529630944b42f01d5138efb31b84b876334c",
              "confirmed": "2026-11-12"
            }
          },
          "rate": {
            "text": "8.99% p.a. ongoing rate on purchases and cash advances",
            "url": "https://www.defencebank.com.au/creditcard",
            "citation": {
              "quote": "8.99% p.a. ongoing rate on purchases and cash advances",
              "url": "https://www.defencebank.com.au/creditcard#:~:text=8.99%25%20p.a.%20ongoing%20rate%20on%20purchases%20and%20cash%20advances",
              "document_sha256": "2767c5b4aa8275d712a02d6c18e6529630944b42f01d5138efb31b84b876334c",
              "confirmed": "2026-11-12"
            }
          },
          "annual_fee": {
            "text": "Half of the annual $45 card fee is donated to the Defence Bank Foundation",
            "url": "https://www.defencebank.com.au/creditcard",
            "citation": {
              "quote": "Half of the annual $45 card fee is donated to the Defence Bank Foundation",
              "url": "https://www.defencebank.com.au/creditcard#:~:text=Half%20of%20the%20annual%20%2445,to%20the%20Defence%20Bank%20Foundation",
              "document_sha256": "2767c5b4aa8275d712a02d6c18e6529630944b42f01d5138efb31b84b876334c",
              "confirmed": "2026-11-12"
            }
          }
        },
        "verified": {
          "intro": "found",
          "rate": "found",
          "annual_fee": "found"
        }
      },
      "from_issuer_page": [
        {
          "source": "correction",
          "fields": [
            "cash_advance_rate_pct",
            "bt_promo_rate_pct",
            "bt_promo_months",
            "bt_revert_rate_pct"
          ],
          "confirmed": "2026-11-12",
          "url": "https://www.defencebank.com.au/creditcard#:~:text=3.99%25%20p.a.%20six%20month%20introductory,transfers%2C%20purchases%20and%20cash%20advances",
          "quote": "3.99% p.a. six month introductory rate on balance transfers, purchases and cash advances"
        }
      ],
      "rate_pct": 8.99,
      "rankings": [
        {
          "segment": "personal",
          "kind": "low_rate",
          "rank": 4,
          "of": 52,
          "hidden_by_default": null
        },
        {
          "segment": "personal",
          "kind": "balance_transfer",
          "rank": 21,
          "of": 22,
          "hidden_by_default": null
        }
      ]
    }
  ],
  "licence_shared_with": []
}