{ "brand": "First Option Bank", "brand_label": "First Option Bank", "brand_slug": "first-option-bank", "legal_entity_abn": "95087650735", "public_base_uri": "https://internetbanking.firstoption.com.au/OpenBanking", "logo_uri": "https://firstoptionbank.com.au/wp-content/uploads/2022/03/Website.png", "status": "ok", "stale": false, "bank_last_updated": "2026-06-02T02:56:29Z", "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":10,"of":52,"product_label":"Visa Credit Card","card_type":"credit","purchase_rate_pct":10.49,"annual_fee":48.0,"fee_period":"annual","annual_fee_stated":true,"interest_free_days":45,"min_credit_limit":500.0,"max_credit_limit":null,"bt_promo_rate_pct":null,"bt_promo_months":null,"bt_fee_pct":null,"bt_revert_rate_pct":null,"rewards_program":null,"conditions":"k1","restrictions":[],"record_stale":false} ], "condition_sets": { "k1": [ "no late payment fee", "0.25% of card spending is given to conservation projects at no cost to the cardholder" ] }, "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": "VISA_CREDIT_CARD", "product_name": "VISA CREDIT CARD", "product_label": "Visa Credit Card", "product_slug": "visa-credit-card", "page": "/au/finance/credit-cards/cards/first-option-bank/visa-credit-card/", "product_url": "https://www.firstoptionbank.com.au/credit-card/", "terms_url": "https://firstoptionbank.com.au/disclosure-statements/", "fees_url": "https://firstoptionbank.com.au/disclosure-statements/", "eligibility_url": "https://firstoptionbank.com.au/disclosure-statements/", "card_type": "credit", "scheme": "visa", "tier": null, "segments": [ "personal" ], "segment": "personal", "description": "Low Rate Visa Credit Card", "purchase_rate_pct": 10.49, "purchase_rate_is_base": null, "no_interest_card": null, "purchase_rate_range_pct": null, "purchase_rate_note": null, "cash_advance_rate_pct": 17.99, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 45, "annual_fee": 48.0, "fee_period": "annual", "fee_as_stated": 48.0, "annual_fee_stated": true, "annual_fee_note": null, "fee_name": "CREDIT_CARD_ANNUAL_FEE", "fee_offers": [ "Credit Card Annual 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, "balance_transfer": null, "rewards_program": null, "rewards_programs": [], "rewards_program_fee": null, "bonus_offer": null, "cashback_offer": null, "insurances": [], "digital_wallets": [ "Apple Pay", "Samsung Pay" ], "instalment_plan": false, "additional_cards": null, "additional_cards_offered": null, "min_credit_limit": 500.0, "max_credit_limit": null, "min_income": null, "min_age": 18, "restrictions": [], "who_can_open": { "restricted": false, "groups": [], "open_note": null }, "conditions": [ "no late payment fee", "0.25% of card spending is given to conservation projects at no cost to the cardholder" ], "eligibility": [], "ranked": true, "unranked_reason": null, "rankings": [ { "segment": "personal", "kind": "low_rate", "rank": 10, "of": 52, "hidden_by_default": null } ], "source_kind": "feed", "record_stale": false, "source_url": "https://internetbanking.firstoption.com.au/OpenBanking/cds-au/v1/banking/products/VISA_CREDIT_CARD", "source_snapshot": "/au/finance/credit-cards/v1/source/first-option-bank/VISA_CREDIT_CARD.json", "snapshot_at": "2026-10-24T09:57:58Z", "bank_last_updated": "2026-06-02T12:56:29.000+10:00", "key_facts_sheet_url": "https://firstoptionbank.com.au/wp-content/uploads/2024/01/Low-Rate_Visa_Credit_Card_Key_Fact_Sheet.pdf", "document_links_source": { "key_facts_sheet_url": "found by hand 2026-11-01: Key Facts Sheet" }, "from_issuer_page": null } ], "rows": [ { "brand": "First Option Bank", "brand_label": "First Option Bank", "brand_slug": "first-option-bank", "legal_entity_abn": "95087650735", "product_id": "VISA_CREDIT_CARD", "product_name": "VISA CREDIT CARD", "product_label": "Visa Credit Card", "product_slug": "visa-credit-card", "page": "/au/finance/credit-cards/cards/first-option-bank/visa-credit-card/", "product_url": "https://www.firstoptionbank.com.au/credit-card/", "terms_url": "https://firstoptionbank.com.au/disclosure-statements/", "fees_url": "https://firstoptionbank.com.au/disclosure-statements/", "eligibility_url": "https://firstoptionbank.com.au/disclosure-statements/", "card_type": "credit", "scheme": "visa", "tier": null, "segments": [ "personal" ], "segment": "personal", "purchase_rate_pct": 10.49, "purchase_rate_is_base": null, "no_interest_card": null, "purchase_rate_range_pct": null, "cash_advance_rate_pct": 17.99, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 45, "annual_fee": 48.0, "fee_period": "annual", "fee_as_stated": 48.0, "annual_fee_stated": true, "annual_fee_note": null, "fee_name": "CREDIT_CARD_ANNUAL_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": null, "rewards_programs": [], "rewards_program_fee": null, "bonus_offer": null, "cashback_offer": null, "digital_wallets": [ "Apple Pay", "Samsung Pay" ], "instalment_plan": false, "additional_cards": null, "additional_cards_offered": null, "min_credit_limit": 500.0, "max_credit_limit": null, "min_income": null, "min_age": 18, "restrictions": [], "who_can_open": { "restricted": false, "groups": [], "open_note": null }, "conditions": [ "no late payment fee", "0.25% of card spending is given to conservation projects at no cost to the cardholder" ], "ranked": true, "unranked_reason": null, "source_kind": "feed", "record_stale": false, "source_url": "https://internetbanking.firstoption.com.au/OpenBanking/cds-au/v1/banking/products/VISA_CREDIT_CARD", "source_snapshot": "/au/finance/credit-cards/v1/source/first-option-bank/VISA_CREDIT_CARD.json", "snapshot_at": "2026-11-12T02:35:53Z", "bank_last_updated": "2026-06-02T12:56:29.000+10:00", "key_facts_sheet_url": "https://firstoptionbank.com.au/wp-content/uploads/2024/01/Low-Rate_Visa_Credit_Card_Key_Fact_Sheet.pdf", "document_links_source": { "key_facts_sheet_url": "found by hand 2026-11-01: Key Facts Sheet" }, "from_issuer_page": null, "rate_pct": 10.49, "rankings": [ { "segment": "personal", "kind": "low_rate", "rank": 10, "of": 52, "hidden_by_default": null } ] } ], "licence_shared_with": [] }