{
  "brand": "Firefighters Mutual Bank",
  "brand_label": "Firefighters Mutual Bank",
  "brand_slug": "firefighters-mutual-bank",
  "legal_entity_abn": "30087650459",
  "public_base_uri": "https://ob.tmbl.com.au/fmbank",
  "logo_uri": "https://www.fmbank.com.au/content/dam/channels/websites/common-assets/logos/Header%20logos/FMB-logo-rgb-pos-double.svg",
  "status": "ok",
  "stale": false,
  "bank_last_updated": "2026-09-09T05:09:04Z",
  "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":19,"of":62,"product_label":"Credit Card","card_type":"credit","purchase_rate_pct":11.5,"annual_fee":null,"fee_period":null,"annual_fee_stated":false,"interest_free_days":55,"min_credit_limit":1000.0,"max_credit_limit":25000.0,"bt_promo_rate_pct":7.9,"bt_promo_months":6,"bt_fee_pct":null,"bt_revert_rate_pct":11.5,"rewards_program":null,"conditions":"k1","restrictions":["occupation_membership"],"record_stale":false},
      {"segment":"personal","kind":"balance_transfer","rank":25,"of":29,"product_label":"Credit Card","card_type":"credit","purchase_rate_pct":11.5,"annual_fee":null,"fee_period":null,"annual_fee_stated":false,"interest_free_days":55,"min_credit_limit":1000.0,"max_credit_limit":25000.0,"bt_promo_rate_pct":7.9,"bt_promo_months":6,"bt_fee_pct":null,"bt_revert_rate_pct":11.5,"rewards_program":null,"conditions":"k1","restrictions":["occupation_membership"],"record_stale":false}
    ],
    "condition_sets": {
      "k1": [
        "7.90% on purchases for the first 6 months, then the purchase rate",
        "7.90% on balance transfers for 6 months, then 11.50% (the balance transfer rate)",
        "credit limit $1,000 to $25,000",
        "Membership limited to citizens or permanent residents of Australia who are current or retired employees or volunteers in the Australian emergency services sector or are family members of members (i.e. shareholders) of the… (the lender's words)",
        "You must be a member. Membership is open to citizens or permanent residents of Australia who are current or retired employees or volunteers in the Australian e…",
        "All applications for credit are subject to responsible lending criteria. Fees and charges apply. You can find our Credit Card terms and conditions online or fr…",
        "up to 55 interest-free days on purchases and on balance transfers",
        "$0 annual 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": "5d479361-d2b4-42e6-83d4-7e5a2d7dcde5",
      "product_name": "Credit Card",
      "product_label": "Credit Card",
      "product_slug": "credit-card",
      "page": "/au/finance/credit-cards/cards/firefighters-mutual-bank/credit-card/",
      "product_url": "https://www.fmbank.com.au/banking/credit-card",
      "terms_url": "https://www.fmbank.com.au/content/dam/documents/collateral/credit-card-terms-and-conditions.pdf",
      "fees_url": "https://www.fmbank.com.au/content/dam/documents/collateral/fees-and-charges.pdf",
      "eligibility_url": "https://www.fmbank.com.au/banking/credit-card",
      "card_type": "credit",
      "scheme": "visa",
      "tier": null,
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "description": "Use your credit card for shopping, travelling overseas or even to consolidate other credit or store card debt.",
      "purchase_rate_pct": 11.5,
      "purchase_rate_is_base": null,
      "no_interest_card": null,
      "purchase_rate_range_pct": null,
      "purchase_rate_note": "Purchase interest rate applies to the amount of any transaction with a merchant made on a credit card account.",
      "cash_advance_rate_pct": 11.5,
      "intro_purchase_rate_pct": 7.9,
      "intro_purchase_months": 6,
      "interest_free_days": 55,
      "annual_fee": null,
      "fee_period": null,
      "fee_as_stated": null,
      "annual_fee_stated": false,
      "annual_fee_note": "the feed lists no annual or monthly card fee, so none is claimed",
      "fee_name": null,
      "fee_offers": [],
      "first_year_fee_waived": false,
      "fee_waived_for_group": null,
      "foreign_transaction_fee_pct": 2.9,
      "foreign_transaction_fee": null,
      "cash_advance_fee_pct": null,
      "cash_advance_fee": 4.0,
      "late_payment_fee": 10.0,
      "additional_cardholder_fee": null,
      "balance_transfer": {
        "promo_rate_pct": 7.9,
        "promo_months": 6,
        "fee_pct": null,
        "revert_rate_pct": 11.5,
        "revert_to": "balance_transfer",
        "for_new_cards": null,
        "for_existing_customers": null,
        "ongoing_rate_pct": 11.5,
        "offers": [
          {
            "rate_pct": 7.9,
            "months": 6,
            "fee_pct": null,
            "for_new_cards": null,
            "for_existing_customers": null,
            "text": "Introductory interest rate applies to balance transfer and purchase transactions for the first 6 months from the date of the Letter of Offer."
          }
        ]
      },
      "rewards_program": null,
      "rewards_programs": [],
      "rewards_program_fee": null,
      "bonus_offer": null,
      "cashback_offer": null,
      "insurances": [],
      "digital_wallets": [
        "Apple Pay",
        "Google Pay",
        "Samsung Pay"
      ],
      "instalment_plan": false,
      "additional_cards": null,
      "additional_cards_offered": true,
      "min_credit_limit": 1000.0,
      "max_credit_limit": 25000.0,
      "min_income": null,
      "min_age": 18,
      "restrictions": [
        "occupation_membership"
      ],
      "who_can_open": {
        "restricted": true,
        "groups": [
          {
            "kind": "occupation",
            "who": "citizens or permanent residents of Australia who are current or retired employees or volunteers in the Australian emergency services sector or are family members of members (i.e. shareholders) of the…",
            "level": "bank",
            "quote": "You must be a member. Membership is open to citizens or permanent residents of Australia who are current or retired employees or volunteers in the Australian emergency services sector or are family members of members (i.e. shareholders) of the Bank.",
            "source": "feed: eligibility OTHER"
          }
        ],
        "open_note": null
      },
      "conditions": [
        "7.90% on purchases for the first 6 months, then the purchase rate",
        "7.90% on balance transfers for 6 months, then 11.50% (the balance transfer rate)",
        "credit limit $1,000 to $25,000",
        "Membership limited to citizens or permanent residents of Australia who are current or retired employees or volunteers in the Australian emergency services sector or are family members of members (i.e. shareholders) of the… (the lender's words)",
        "You must be a member. Membership is open to citizens or permanent residents of Australia who are current or retired employees or volunteers in the Australian e…",
        "All applications for credit are subject to responsible lending criteria. Fees and charges apply. You can find our Credit Card terms and conditions online or fr…",
        "up to 55 interest-free days on purchases and on balance transfers",
        "$0 annual fee"
      ],
      "eligibility": [
        "You must be a member. Membership is open to citizens or permanent residents of Australia who are current or retired employees or volunteers in the Australian e…",
        "All applications for credit are subject to responsible lending criteria. Fees and charges apply. You can find our Credit Card terms and conditions online or fr…"
      ],
      "ranked": true,
      "unranked_reason": null,
      "rankings": [
        {
          "segment": "personal",
          "kind": "low_rate",
          "rank": 19,
          "of": 62,
          "hidden_by_default": true
        },
        {
          "segment": "personal",
          "kind": "balance_transfer",
          "rank": 25,
          "of": 29,
          "hidden_by_default": true
        }
      ],
      "source_kind": "feed",
      "record_stale": false,
      "source_url": "https://ob.tmbl.com.au/fmbank/cds-au/v1/banking/products/5d479361-d2b4-42e6-83d4-7e5a2d7dcde5",
      "source_snapshot": "/au/finance/credit-cards/v1/source/firefighters-mutual-bank/5d479361-d2b4-42e6-83d4-7e5a2d7dcde5.json",
      "snapshot_at": "2026-10-24T09:57:58Z",
      "bank_last_updated": "2026-09-09T15:09:04.000+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://www.fmbank.com.au/content/dam/documents/factsheets/cc-fact-sheet-tmb.pdf",
      "from_issuer_page": null
    }
  ],
  "rows": [
    {
      "brand": "Firefighters Mutual Bank",
      "brand_label": "Firefighters Mutual Bank",
      "brand_slug": "firefighters-mutual-bank",
      "legal_entity_abn": "30087650459",
      "product_id": "5d479361-d2b4-42e6-83d4-7e5a2d7dcde5",
      "product_name": "Credit Card",
      "product_label": "Credit Card",
      "product_slug": "credit-card",
      "page": "/au/finance/credit-cards/cards/firefighters-mutual-bank/credit-card/",
      "product_url": "https://www.fmbank.com.au/banking/credit-card",
      "terms_url": "https://www.fmbank.com.au/content/dam/documents/collateral/credit-card-terms-and-conditions.pdf",
      "fees_url": "https://www.fmbank.com.au/content/dam/documents/collateral/fees-and-charges.pdf",
      "eligibility_url": "https://www.fmbank.com.au/banking/credit-card",
      "card_type": "credit",
      "scheme": "visa",
      "tier": null,
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "purchase_rate_pct": 11.5,
      "purchase_rate_is_base": null,
      "no_interest_card": null,
      "purchase_rate_range_pct": null,
      "cash_advance_rate_pct": 11.5,
      "intro_purchase_rate_pct": 7.9,
      "intro_purchase_months": 6,
      "interest_free_days": 55,
      "annual_fee": null,
      "fee_period": null,
      "fee_as_stated": null,
      "annual_fee_stated": false,
      "annual_fee_note": "the feed lists no annual or monthly card fee, so none is claimed",
      "fee_name": null,
      "first_year_fee_waived": false,
      "fee_waived_for_group": null,
      "foreign_transaction_fee_pct": 2.9,
      "foreign_transaction_fee": null,
      "cash_advance_fee_pct": null,
      "cash_advance_fee": 4.0,
      "late_payment_fee": 10.0,
      "additional_cardholder_fee": null,
      "bt_promo_rate_pct": 7.9,
      "bt_promo_months": 6,
      "bt_fee_pct": null,
      "bt_revert_rate_pct": 11.5,
      "bt_revert_to": "balance_transfer",
      "rewards_program": null,
      "rewards_programs": [],
      "rewards_program_fee": null,
      "bonus_offer": null,
      "cashback_offer": null,
      "digital_wallets": [
        "Apple Pay",
        "Google Pay",
        "Samsung Pay"
      ],
      "instalment_plan": false,
      "additional_cards": null,
      "additional_cards_offered": true,
      "min_credit_limit": 1000.0,
      "max_credit_limit": 25000.0,
      "min_income": null,
      "min_age": 18,
      "restrictions": [
        "occupation_membership"
      ],
      "who_can_open": {
        "restricted": true,
        "groups": [
          {
            "kind": "occupation",
            "who": "citizens or permanent residents of Australia who are current or retired employees or volunteers in the Australian emergency services sector or are family members of members (i.e. shareholders) of the…",
            "level": "bank",
            "quote": "You must be a member. Membership is open to citizens or permanent residents of Australia who are current or retired employees or volunteers in the Australian emergency services sector or are family members of members (i.e. shareholders) of the Bank.",
            "source": "feed: eligibility OTHER"
          }
        ],
        "open_note": null
      },
      "conditions": [
        "7.90% on purchases for the first 6 months, then the purchase rate",
        "7.90% on balance transfers for 6 months, then 11.50% (the balance transfer rate)",
        "credit limit $1,000 to $25,000",
        "Membership limited to citizens or permanent residents of Australia who are current or retired employees or volunteers in the Australian emergency services sector or are family members of members (i.e. shareholders) of the… (the lender's words)",
        "You must be a member. Membership is open to citizens or permanent residents of Australia who are current or retired employees or volunteers in the Australian e…",
        "All applications for credit are subject to responsible lending criteria. Fees and charges apply. You can find our Credit Card terms and conditions online or fr…",
        "up to 55 interest-free days on purchases and on balance transfers",
        "$0 annual fee"
      ],
      "ranked": true,
      "unranked_reason": null,
      "source_kind": "feed",
      "record_stale": false,
      "source_url": "https://ob.tmbl.com.au/fmbank/cds-au/v1/banking/products/5d479361-d2b4-42e6-83d4-7e5a2d7dcde5",
      "source_snapshot": "/au/finance/credit-cards/v1/source/firefighters-mutual-bank/5d479361-d2b4-42e6-83d4-7e5a2d7dcde5.json",
      "snapshot_at": "2026-11-12T02:35:53Z",
      "bank_last_updated": "2026-09-09T15:09:04.000+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://www.fmbank.com.au/content/dam/documents/factsheets/cc-fact-sheet-tmb.pdf",
      "from_issuer_page": null,
      "rate_pct": 11.5,
      "rankings": [
        {
          "segment": "personal",
          "kind": "low_rate",
          "rank": 19,
          "of": 62,
          "hidden_by_default": true
        },
        {
          "segment": "personal",
          "kind": "balance_transfer",
          "rank": 25,
          "of": 29,
          "hidden_by_default": true
        }
      ]
    }
  ],
  "licence_shared_with": [
    "Australian Mutual Bank",
    "Health Professionals Bank",
    "Teachers Mutual Bank",
    "UniBank"
  ]
}