{
  "brand": "Great Southern Bank",
  "brand_label": "Great Southern Bank",
  "brand_slug": "great-southern-bank",
  "legal_entity_abn": "44087650959",
  "public_base_uri": "https://api.open-banking.greatsouthernbank.com.au",
  "logo_uri": "https://www.greatsouthernbank.com.au/media/images/global/logo.svg",
  "status": "ok",
  "stale": false,
  "bank_last_updated": "2026-10-30T21:01:00Z",
  "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":23,"of":52,"product_label":"Low Rate Credit Card (New)","card_type":"credit","purchase_rate_pct":11.99,"annual_fee":60.0,"fee_period":"monthly","annual_fee_stated":true,"interest_free_days":55,"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},
      {"segment":"personal","kind":"rewards","rank":10,"of":24,"product_label":"Platinum Credit Card","card_type":"credit","purchase_rate_pct":19.99,"annual_fee":144.0,"fee_period":"monthly","annual_fee_stated":true,"interest_free_days":55,"min_credit_limit":6000.0,"max_credit_limit":null,"bt_promo_rate_pct":null,"bt_promo_months":null,"bt_fee_pct":null,"bt_revert_rate_pct":null,"rewards_program":"Cashback","conditions":"k2","restrictions":[],"record_stale":false}
    ],
    "condition_sets": {
      "k1": [
        "Applications for credit cards are subject to credit approval.",
        "cash advance fee 2% of the amount, minimum $3.50",
        "foreign exchange fee 3.40% on purchases and cash advances in foreign currency or with overseas merchants"
      ],
      "k2": [
        "corrected from the bank's own page: 19.99% on purchases, a $12 monthly fee and no international fees on purchases (fees current as at 20 September 2025)",
        "credit limit from $6,000",
        "Applications for credit cards are subject to credit approval.",
        "cash advance fee 2% of the amount, minimum $3.50",
        "no foreign exchange fee (the fee applies to the Low Rate card only)"
      ]
    },
    "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": "2691-0100",
      "product_name": "Low Rate Credit Card (New)",
      "product_label": "Low Rate Credit Card (New)",
      "product_slug": "low-rate-credit-card-new",
      "page": "/au/finance/credit-cards/cards/great-southern-bank/low-rate-credit-card-new/",
      "product_url": "https://www.greatsouthernbank.com.au/credit-cards/low-rate",
      "terms_url": "https://www.greatsouthernbank.com.au/__data/assets/pdf_file/0024/536154/RC00689_CREDIT_CARD_Conditions_of_Use_and_Credit_Guide_260911.pdf",
      "fees_url": "https://www.greatsouthernbank.com.au/__data/assets/pdf_file/0021/45903/RC00688_Schedule_of_Fees_CREDIT_CARD_250910.pdf",
      "eligibility_url": "https://www.greatsouthernbank.com.au/credit-cards/low-rate",
      "card_type": "credit",
      "scheme": "visa",
      "tier": null,
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "description": "A VISA credit card with a low rate and a low monthly fee.",
      "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": 21.74,
      "intro_purchase_rate_pct": null,
      "intro_purchase_months": null,
      "interest_free_days": 55,
      "annual_fee": 60.0,
      "fee_period": "monthly",
      "fee_as_stated": 5.0,
      "annual_fee_stated": true,
      "annual_fee_note": null,
      "fee_name": "Monthly Card fee",
      "fee_offers": [],
      "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",
        "Google Pay"
      ],
      "instalment_plan": false,
      "additional_cards": 3,
      "additional_cards_offered": true,
      "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": [
        "Applications for credit cards are subject to credit approval.",
        "cash advance fee 2% of the amount, minimum $3.50",
        "foreign exchange fee 3.40% on purchases and cash advances in foreign currency or with overseas merchants"
      ],
      "eligibility": [
        "Applications for credit cards are subject to credit approval."
      ],
      "ranked": true,
      "unranked_reason": null,
      "rankings": [
        {
          "segment": "personal",
          "kind": "low_rate",
          "rank": 23,
          "of": 52,
          "hidden_by_default": null
        }
      ],
      "source_kind": "feed",
      "record_stale": false,
      "source_url": "https://api.open-banking.greatsouthernbank.com.au/cds-au/v1/banking/products/2691-0100",
      "source_snapshot": "/au/finance/credit-cards/v1/source/great-southern-bank/2691-0100.json",
      "snapshot_at": "2026-10-31T23:18:46Z",
      "bank_last_updated": "2026-10-30T21:01:00.00000Z",
      "key_facts_sheet_url": "https://www.greatsouthernbank.com.au/__data/assets/pdf_file/0025/536155/KFS_KEY-FACTS-SHEET_250725.pdf",
      "document_links_source": {
        "key_facts_sheet_url": "found by hand 2026-11-01: Key Facts Sheet"
      },
      "from_issuer_page": null
    },
    {
      "product_id": "2695-0100",
      "product_name": "Platinum Credit Card",
      "product_label": "Platinum Credit Card",
      "product_slug": "platinum-credit-card",
      "page": "/au/finance/credit-cards/cards/great-southern-bank/platinum-credit-card/",
      "product_url": "https://www.greatsouthernbank.com.au/credit-cards/platinum",
      "terms_url": "https://www.greatsouthernbank.com.au/__data/assets/pdf_file/0024/536154/RC00689_CREDIT_CARD_Conditions_of_Use_and_Credit_Guide_260911.pdf",
      "fees_url": "https://www.greatsouthernbank.com.au/__data/assets/pdf_file/0021/45903/RC00688_Schedule_of_Fees_CREDIT_CARD_250910.pdf",
      "eligibility_url": "https://www.greatsouthernbank.com.au/credit-cards/platinum",
      "card_type": "credit",
      "scheme": "visa",
      "tier": "platinum",
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "description": "A Platinum VISA credit card with a monthly fee.",
      "purchase_rate_pct": 19.99,
      "purchase_rate_is_base": null,
      "no_interest_card": null,
      "purchase_rate_range_pct": null,
      "purchase_rate_note": null,
      "cash_advance_rate_pct": 21.74,
      "intro_purchase_rate_pct": null,
      "intro_purchase_months": null,
      "interest_free_days": 55,
      "annual_fee": 144.0,
      "fee_period": "monthly",
      "fee_as_stated": 12.0,
      "annual_fee_stated": true,
      "annual_fee_note": null,
      "fee_name": "Monthly Card fee",
      "fee_offers": [],
      "first_year_fee_waived": false,
      "fee_waived_for_group": null,
      "foreign_transaction_fee_pct": 0.0,
      "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": "Cashback",
      "rewards_programs": [
        "Cashback"
      ],
      "rewards_program_fee": null,
      "bonus_offer": null,
      "cashback_offer": null,
      "insurances": [
        "Travel Insurance",
        "Purchase Protection"
      ],
      "digital_wallets": [
        "Apple Pay",
        "Google Pay"
      ],
      "instalment_plan": false,
      "additional_cards": 3,
      "additional_cards_offered": true,
      "min_credit_limit": 6000.0,
      "max_credit_limit": null,
      "min_income": null,
      "min_age": 18,
      "restrictions": [],
      "who_can_open": {
        "restricted": false,
        "groups": [],
        "open_note": null
      },
      "conditions": [
        "corrected from the bank's own page: 19.99% on purchases, a $12 monthly fee and no international fees on purchases (fees current as at 20 September 2025)",
        "credit limit from $6,000",
        "Applications for credit cards are subject to credit approval.",
        "cash advance fee 2% of the amount, minimum $3.50",
        "no foreign exchange fee (the fee applies to the Low Rate card only)"
      ],
      "eligibility": [
        "Applications for credit cards are subject to credit approval."
      ],
      "ranked": true,
      "unranked_reason": null,
      "rankings": [
        {
          "segment": "personal",
          "kind": "rewards",
          "rank": 10,
          "of": 24,
          "hidden_by_default": null
        }
      ],
      "source_kind": "feed",
      "record_stale": false,
      "source_url": "https://api.open-banking.greatsouthernbank.com.au/cds-au/v1/banking/products/2695-0100",
      "source_snapshot": "/au/finance/credit-cards/v1/source/great-southern-bank/2695-0100.json",
      "snapshot_at": "2026-10-31T23:18:46Z",
      "bank_last_updated": "2026-10-30T21:01:00.00000Z",
      "key_facts_sheet_url": "https://www.greatsouthernbank.com.au/__data/assets/pdf_file/0025/536155/KFS_KEY-FACTS-SHEET_250725.pdf",
      "document_links_source": {
        "key_facts_sheet_url": "found by hand 2026-11-01: Key Facts Sheet"
      },
      "correction": {
        "checked": "2026-11-07",
        "note": "19.99% on purchases, a $12 monthly fee and no international fees on purchases (fees current as at 20 September 2025)",
        "fields": [
          "foreign_transaction_fee_pct"
        ],
        "quotes": {
          "fee": {
            "text": "No annual fee shock. Just a low $12 monthly fee.",
            "url": "https://www.greatsouthernbank.com.au/credit-cards/platinum",
            "citation": {
              "quote": "No annual fee shock. Just a low $12 monthly fee.",
              "url": "https://www.greatsouthernbank.com.au/credit-cards/platinum#:~:text=No%20annual%20fee%20shock.%20Just%20a%20low%20%2412%20monthly%20fee.",
              "document_sha256": "8d49032a2fefd0bef349ce32251059b983b9f3f108814a1921d70a16f4c2e067",
              "confirmed": "2026-11-12"
            }
          },
          "foreign": {
            "text": "No international fees on your purchases overseas.",
            "url": "https://www.greatsouthernbank.com.au/credit-cards/platinum",
            "citation": {
              "quote": "No international fees on your purchases overseas.",
              "url": "https://www.greatsouthernbank.com.au/credit-cards/platinum#:~:text=No%20international%20fees%20on%20your%20purchases%20overseas.",
              "document_sha256": "8d49032a2fefd0bef349ce32251059b983b9f3f108814a1921d70a16f4c2e067",
              "confirmed": "2026-11-12"
            }
          }
        },
        "verified": {
          "fee": "found",
          "foreign": "found"
        }
      },
      "from_issuer_page": [
        {
          "source": "correction",
          "fields": [
            "foreign_transaction_fee_pct"
          ],
          "confirmed": "2026-11-12",
          "url": "https://www.greatsouthernbank.com.au/credit-cards/platinum#:~:text=No%20international%20fees%20on%20your%20purchases%20overseas.",
          "quote": "No international fees on your purchases overseas."
        }
      ]
    }
  ],
  "rows": [
    {
      "brand": "Great Southern Bank",
      "brand_label": "Great Southern Bank",
      "brand_slug": "great-southern-bank",
      "legal_entity_abn": "44087650959",
      "product_id": "2691-0100",
      "product_name": "Low Rate Credit Card (New)",
      "product_label": "Low Rate Credit Card (New)",
      "product_slug": "low-rate-credit-card-new",
      "page": "/au/finance/credit-cards/cards/great-southern-bank/low-rate-credit-card-new/",
      "product_url": "https://www.greatsouthernbank.com.au/credit-cards/low-rate",
      "terms_url": "https://www.greatsouthernbank.com.au/__data/assets/pdf_file/0024/536154/RC00689_CREDIT_CARD_Conditions_of_Use_and_Credit_Guide_260911.pdf",
      "fees_url": "https://www.greatsouthernbank.com.au/__data/assets/pdf_file/0021/45903/RC00688_Schedule_of_Fees_CREDIT_CARD_250910.pdf",
      "eligibility_url": "https://www.greatsouthernbank.com.au/credit-cards/low-rate",
      "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": 21.74,
      "intro_purchase_rate_pct": null,
      "intro_purchase_months": null,
      "interest_free_days": 55,
      "annual_fee": 60.0,
      "fee_period": "monthly",
      "fee_as_stated": 5.0,
      "annual_fee_stated": true,
      "annual_fee_note": null,
      "fee_name": "Monthly Card 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",
        "Google Pay"
      ],
      "instalment_plan": false,
      "additional_cards": 3,
      "additional_cards_offered": true,
      "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": [
        "Applications for credit cards are subject to credit approval.",
        "cash advance fee 2% of the amount, minimum $3.50",
        "foreign exchange fee 3.40% on purchases and cash advances in foreign currency or with overseas merchants"
      ],
      "ranked": true,
      "unranked_reason": null,
      "source_kind": "feed",
      "record_stale": false,
      "source_url": "https://api.open-banking.greatsouthernbank.com.au/cds-au/v1/banking/products/2691-0100",
      "source_snapshot": "/au/finance/credit-cards/v1/source/great-southern-bank/2691-0100.json",
      "snapshot_at": "2026-11-12T02:35:54Z",
      "bank_last_updated": "2026-10-30T21:01:00.00000Z",
      "key_facts_sheet_url": "https://www.greatsouthernbank.com.au/__data/assets/pdf_file/0025/536155/KFS_KEY-FACTS-SHEET_250725.pdf",
      "document_links_source": {
        "key_facts_sheet_url": "found by hand 2026-11-01: Key Facts Sheet"
      },
      "from_issuer_page": null,
      "rate_pct": 11.99,
      "rankings": [
        {
          "segment": "personal",
          "kind": "low_rate",
          "rank": 23,
          "of": 52,
          "hidden_by_default": null
        }
      ]
    },
    {
      "brand": "Great Southern Bank",
      "brand_label": "Great Southern Bank",
      "brand_slug": "great-southern-bank",
      "legal_entity_abn": "44087650959",
      "product_id": "2695-0100",
      "product_name": "Platinum Credit Card",
      "product_label": "Platinum Credit Card",
      "product_slug": "platinum-credit-card",
      "page": "/au/finance/credit-cards/cards/great-southern-bank/platinum-credit-card/",
      "product_url": "https://www.greatsouthernbank.com.au/credit-cards/platinum",
      "terms_url": "https://www.greatsouthernbank.com.au/__data/assets/pdf_file/0024/536154/RC00689_CREDIT_CARD_Conditions_of_Use_and_Credit_Guide_260911.pdf",
      "fees_url": "https://www.greatsouthernbank.com.au/__data/assets/pdf_file/0021/45903/RC00688_Schedule_of_Fees_CREDIT_CARD_250910.pdf",
      "eligibility_url": "https://www.greatsouthernbank.com.au/credit-cards/platinum",
      "card_type": "credit",
      "scheme": "visa",
      "tier": "platinum",
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "purchase_rate_pct": 19.99,
      "purchase_rate_is_base": null,
      "no_interest_card": null,
      "purchase_rate_range_pct": null,
      "cash_advance_rate_pct": 21.74,
      "intro_purchase_rate_pct": null,
      "intro_purchase_months": null,
      "interest_free_days": 55,
      "annual_fee": 144.0,
      "fee_period": "monthly",
      "fee_as_stated": 12.0,
      "annual_fee_stated": true,
      "annual_fee_note": null,
      "fee_name": "Monthly Card fee",
      "first_year_fee_waived": false,
      "fee_waived_for_group": null,
      "foreign_transaction_fee_pct": 0.0,
      "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": null,
      "bt_promo_months": null,
      "bt_fee_pct": null,
      "bt_revert_rate_pct": null,
      "bt_revert_to": null,
      "rewards_program": "Cashback",
      "rewards_programs": [
        "Cashback"
      ],
      "rewards_program_fee": null,
      "bonus_offer": null,
      "cashback_offer": null,
      "digital_wallets": [
        "Apple Pay",
        "Google Pay"
      ],
      "instalment_plan": false,
      "additional_cards": 3,
      "additional_cards_offered": true,
      "min_credit_limit": 6000.0,
      "max_credit_limit": null,
      "min_income": null,
      "min_age": 18,
      "restrictions": [],
      "who_can_open": {
        "restricted": false,
        "groups": [],
        "open_note": null
      },
      "conditions": [
        "corrected from the bank's own page: 19.99% on purchases, a $12 monthly fee and no international fees on purchases (fees current as at 20 September 2025)",
        "credit limit from $6,000",
        "Applications for credit cards are subject to credit approval.",
        "cash advance fee 2% of the amount, minimum $3.50",
        "no foreign exchange fee (the fee applies to the Low Rate card only)"
      ],
      "ranked": true,
      "unranked_reason": null,
      "source_kind": "feed",
      "record_stale": false,
      "source_url": "https://api.open-banking.greatsouthernbank.com.au/cds-au/v1/banking/products/2695-0100",
      "source_snapshot": "/au/finance/credit-cards/v1/source/great-southern-bank/2695-0100.json",
      "snapshot_at": "2026-11-12T02:35:54Z",
      "bank_last_updated": "2026-10-30T21:01:00.00000Z",
      "key_facts_sheet_url": "https://www.greatsouthernbank.com.au/__data/assets/pdf_file/0025/536155/KFS_KEY-FACTS-SHEET_250725.pdf",
      "document_links_source": {
        "key_facts_sheet_url": "found by hand 2026-11-01: Key Facts Sheet"
      },
      "correction": {
        "checked": "2026-11-07",
        "note": "19.99% on purchases, a $12 monthly fee and no international fees on purchases (fees current as at 20 September 2025)",
        "fields": [
          "foreign_transaction_fee_pct"
        ],
        "quotes": {
          "fee": {
            "text": "No annual fee shock. Just a low $12 monthly fee.",
            "url": "https://www.greatsouthernbank.com.au/credit-cards/platinum",
            "citation": {
              "quote": "No annual fee shock. Just a low $12 monthly fee.",
              "url": "https://www.greatsouthernbank.com.au/credit-cards/platinum#:~:text=No%20annual%20fee%20shock.%20Just%20a%20low%20%2412%20monthly%20fee.",
              "document_sha256": "8d49032a2fefd0bef349ce32251059b983b9f3f108814a1921d70a16f4c2e067",
              "confirmed": "2026-11-12"
            }
          },
          "foreign": {
            "text": "No international fees on your purchases overseas.",
            "url": "https://www.greatsouthernbank.com.au/credit-cards/platinum",
            "citation": {
              "quote": "No international fees on your purchases overseas.",
              "url": "https://www.greatsouthernbank.com.au/credit-cards/platinum#:~:text=No%20international%20fees%20on%20your%20purchases%20overseas.",
              "document_sha256": "8d49032a2fefd0bef349ce32251059b983b9f3f108814a1921d70a16f4c2e067",
              "confirmed": "2026-11-12"
            }
          }
        },
        "verified": {
          "fee": "found",
          "foreign": "found"
        }
      },
      "from_issuer_page": [
        {
          "source": "correction",
          "fields": [
            "foreign_transaction_fee_pct"
          ],
          "confirmed": "2026-11-12",
          "url": "https://www.greatsouthernbank.com.au/credit-cards/platinum#:~:text=No%20international%20fees%20on%20your%20purchases%20overseas.",
          "quote": "No international fees on your purchases overseas."
        }
      ],
      "rate_pct": 19.99,
      "rankings": [
        {
          "segment": "personal",
          "kind": "rewards",
          "rank": 10,
          "of": 24,
          "hidden_by_default": null
        }
      ]
    }
  ],
  "licence_shared_with": [
    "Great Southern Bank Business+",
    "Solo by MYOB"
  ]
}