{
  "brand": "Horizon Bank",
  "brand_label": "Horizon Bank",
  "brand_slug": "horizon-bank",
  "legal_entity_abn": "66087650173",
  "public_base_uri": "https://onlinebanking.horizonbank.com.au/openbanking",
  "logo_uri": "https://horizonbank.com.au/Client_Theme/imgs/horizon_logo.png",
  "status": "ok",
  "stale": false,
  "bank_last_updated": "2026-11-03T23:53:38Z",
  "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":28,"of":52,"product_label":"Visa Credit Card","card_type":"credit","purchase_rate_pct":12.95,"annual_fee":49,"fee_period":"annual","annual_fee_stated":true,"interest_free_days":55,"min_credit_limit":500.0,"max_credit_limit":30000,"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": [
        "corrected from the bank's own page: a $49 annual fee, 4.99% for the first 5 months and a $30,000 maximum limit, per the bank's Key Facts Sheet (\"Annual fee $49\"; \"4.99% p.a. introductory rate – applicable for a 5 month period\") and card FAQ; the feed states no fee and a 7.96% introductory rate",
        "7.96% on purchases for the first 5 months, then the purchase rate",
        "$49 annual fee",
        "late payment fee $10",
        "credit limit $500 to $30,000",
        "the introductory rate also applies to balance transfers made in the first 5 months",
        "must become a Horizon member (anyone can apply)"
      ]
    },
    "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": "S97_S970001",
      "product_name": "VISA CREDIT CARD",
      "product_label": "Visa Credit Card",
      "product_slug": "visa-credit-card",
      "page": "/au/finance/credit-cards/cards/horizon-bank/visa-credit-card/",
      "product_url": "https://horizonbank.com.au/loans/credit-facilities/visa-credit-card/",
      "terms_url": "https://horizonbank.com.au/reusable-documents/disclosure-documents/visa-credit-card-conditions-of-use/",
      "fees_url": "https://horizonbank.com.au/loans/credit-facilities/visa-credit-card/",
      "eligibility_url": "https://horizonbank.com.au/loans/credit-facilities/visa-credit-card/",
      "card_type": "credit",
      "scheme": "visa",
      "tier": null,
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "description": "VISA CREDIT CARD",
      "purchase_rate_pct": 12.95,
      "purchase_rate_is_base": null,
      "no_interest_card": null,
      "purchase_rate_range_pct": null,
      "purchase_rate_note": null,
      "cash_advance_rate_pct": 12.95,
      "intro_purchase_rate_pct": 4.99,
      "intro_purchase_months": 5,
      "interest_free_days": 55,
      "annual_fee": 49,
      "fee_period": "annual",
      "fee_as_stated": 49,
      "annual_fee_stated": true,
      "annual_fee_note": null,
      "fee_name": null,
      "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",
        "Samsung Pay",
        "Google Pay"
      ],
      "instalment_plan": false,
      "additional_cards": null,
      "additional_cards_offered": true,
      "min_credit_limit": 500.0,
      "max_credit_limit": 30000,
      "min_income": null,
      "min_age": 18,
      "restrictions": [],
      "who_can_open": {
        "restricted": false,
        "groups": [],
        "open_note": null
      },
      "conditions": [
        "corrected from the bank's own page: a $49 annual fee, 4.99% for the first 5 months and a $30,000 maximum limit, per the bank's Key Facts Sheet (\"Annual fee $49\"; \"4.99% p.a. introductory rate – applicable for a 5 month period\") and card FAQ; the feed states no fee and a 7.96% introductory rate",
        "7.96% on purchases for the first 5 months, then the purchase rate",
        "$49 annual fee",
        "late payment fee $10",
        "credit limit $500 to $30,000",
        "the introductory rate also applies to balance transfers made in the first 5 months",
        "must become a Horizon member (anyone can apply)"
      ],
      "eligibility": [],
      "ranked": true,
      "unranked_reason": null,
      "rankings": [
        {
          "segment": "personal",
          "kind": "low_rate",
          "rank": 28,
          "of": 52,
          "hidden_by_default": null
        }
      ],
      "source_kind": "feed",
      "record_stale": false,
      "source_url": "https://onlinebanking.horizonbank.com.au/openbanking/cds-au/v1/banking/products/S97_S970001",
      "source_snapshot": "/au/finance/credit-cards/v1/source/horizon-bank/S97_S970001.json",
      "snapshot_at": "2026-11-05T03:37:49Z",
      "bank_last_updated": "2026-11-04T10:53:38.000+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://horizonbank.com.au/media/3900/credit-card-key-fact-sheet-010924.pdf",
      "correction": {
        "checked": "2026-11-07",
        "note": "a $49 annual fee, 4.99% for the first 5 months and a $30,000 maximum limit, per the bank's Key Facts Sheet (\"Annual fee $49\"; \"4.99% p.a. introductory rate – applicable for a 5 month period\") and card FAQ; the feed states no fee and a 7.96% introductory rate",
        "fields": [
          "annual_fee",
          "annual_fee_stated",
          "fee_as_stated",
          "fee_period",
          "intro_purchase_months",
          "intro_purchase_rate_pct",
          "max_credit_limit"
        ],
        "quotes": {
          "annual_fee": {
            "text": "Annual fee $49",
            "url": "https://horizonbank.com.au/media/3900/credit-card-key-fact-sheet-010924.pdf",
            "citation": {
              "quote": "Annual fee $49",
              "url": "https://horizonbank.com.au/media/3900/credit-card-key-fact-sheet-010924.pdf#page=1",
              "page": 1,
              "document_sha256": "d547dc34b449d6ddabd5469370f04ff32f2ee23f1b9e9f489a69eaabbaea2de9",
              "confirmed": "2026-11-12"
            }
          },
          "intro": {
            "text": "4.99% p.a. introductory rate – applicable for a 5 month period",
            "url": "https://horizonbank.com.au/media/3900/credit-card-key-fact-sheet-010924.pdf",
            "citation": {
              "quote": "4.99% p.a. introductory rate – applicable for a 5 month period",
              "url": "https://horizonbank.com.au/media/3900/credit-card-key-fact-sheet-010924.pdf#page=1",
              "page": 1,
              "document_sha256": "d547dc34b449d6ddabd5469370f04ff32f2ee23f1b9e9f489a69eaabbaea2de9",
              "confirmed": "2026-11-12"
            }
          },
          "credit_limit": {
            "text": "The minimum amount you can borrow for a Visa Credit Card is $500 and the maximum amount is $30,000.",
            "url": "https://horizonbank.com.au/help/faqs/visa-credit-card-faqs/",
            "citation": {
              "quote": "The minimum amount you can borrow for a Visa Credit Card is $500 and the maximum amount is $30,000.",
              "url": "https://horizonbank.com.au/help/faqs/visa-credit-card-faqs/#:~:text=The%20minimum%20amount%20you%20can,the%20maximum%20amount%20is%20%2430%2C000.",
              "document_sha256": "0ecb878032b91e8f32e9fa99d86edd907fa461cd6826adcb2b5df305fd17cd8c",
              "confirmed": "2026-11-12"
            }
          }
        },
        "verified": {
          "annual_fee": "found",
          "intro": "found",
          "credit_limit": "found"
        }
      },
      "from_issuer_page": [
        {
          "source": "correction",
          "fields": [
            "annual_fee",
            "intro_purchase_rate_pct",
            "intro_purchase_months",
            "max_credit_limit"
          ],
          "confirmed": "2026-11-12",
          "url": "https://horizonbank.com.au/media/3900/credit-card-key-fact-sheet-010924.pdf#page=1",
          "quote": "Annual fee $49"
        }
      ]
    }
  ],
  "rows": [
    {
      "brand": "Horizon Bank",
      "brand_label": "Horizon Bank",
      "brand_slug": "horizon-bank",
      "legal_entity_abn": "66087650173",
      "product_id": "S97_S970001",
      "product_name": "VISA CREDIT CARD",
      "product_label": "Visa Credit Card",
      "product_slug": "visa-credit-card",
      "page": "/au/finance/credit-cards/cards/horizon-bank/visa-credit-card/",
      "product_url": "https://horizonbank.com.au/loans/credit-facilities/visa-credit-card/",
      "terms_url": "https://horizonbank.com.au/reusable-documents/disclosure-documents/visa-credit-card-conditions-of-use/",
      "fees_url": "https://horizonbank.com.au/loans/credit-facilities/visa-credit-card/",
      "eligibility_url": "https://horizonbank.com.au/loans/credit-facilities/visa-credit-card/",
      "card_type": "credit",
      "scheme": "visa",
      "tier": null,
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "purchase_rate_pct": 12.95,
      "purchase_rate_is_base": null,
      "no_interest_card": null,
      "purchase_rate_range_pct": null,
      "cash_advance_rate_pct": 12.95,
      "intro_purchase_rate_pct": 4.99,
      "intro_purchase_months": 5,
      "interest_free_days": 55,
      "annual_fee": 49,
      "fee_period": "annual",
      "fee_as_stated": 49,
      "annual_fee_stated": true,
      "annual_fee_note": null,
      "fee_name": null,
      "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",
        "Google Pay"
      ],
      "instalment_plan": false,
      "additional_cards": null,
      "additional_cards_offered": true,
      "min_credit_limit": 500.0,
      "max_credit_limit": 30000,
      "min_income": null,
      "min_age": 18,
      "restrictions": [],
      "who_can_open": {
        "restricted": false,
        "groups": [],
        "open_note": null
      },
      "conditions": [
        "corrected from the bank's own page: a $49 annual fee, 4.99% for the first 5 months and a $30,000 maximum limit, per the bank's Key Facts Sheet (\"Annual fee $49\"; \"4.99% p.a. introductory rate – applicable for a 5 month period\") and card FAQ; the feed states no fee and a 7.96% introductory rate",
        "7.96% on purchases for the first 5 months, then the purchase rate",
        "$49 annual fee",
        "late payment fee $10",
        "credit limit $500 to $30,000",
        "the introductory rate also applies to balance transfers made in the first 5 months",
        "must become a Horizon member (anyone can apply)"
      ],
      "ranked": true,
      "unranked_reason": null,
      "source_kind": "feed",
      "record_stale": false,
      "source_url": "https://onlinebanking.horizonbank.com.au/openbanking/cds-au/v1/banking/products/S97_S970001",
      "source_snapshot": "/au/finance/credit-cards/v1/source/horizon-bank/S97_S970001.json",
      "snapshot_at": "2026-11-12T02:35:54Z",
      "bank_last_updated": "2026-11-04T10:53:38.000+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://horizonbank.com.au/media/3900/credit-card-key-fact-sheet-010924.pdf",
      "correction": {
        "checked": "2026-11-07",
        "note": "a $49 annual fee, 4.99% for the first 5 months and a $30,000 maximum limit, per the bank's Key Facts Sheet (\"Annual fee $49\"; \"4.99% p.a. introductory rate – applicable for a 5 month period\") and card FAQ; the feed states no fee and a 7.96% introductory rate",
        "fields": [
          "annual_fee",
          "annual_fee_stated",
          "fee_as_stated",
          "fee_period",
          "intro_purchase_months",
          "intro_purchase_rate_pct",
          "max_credit_limit"
        ],
        "quotes": {
          "annual_fee": {
            "text": "Annual fee $49",
            "url": "https://horizonbank.com.au/media/3900/credit-card-key-fact-sheet-010924.pdf",
            "citation": {
              "quote": "Annual fee $49",
              "url": "https://horizonbank.com.au/media/3900/credit-card-key-fact-sheet-010924.pdf#page=1",
              "page": 1,
              "document_sha256": "d547dc34b449d6ddabd5469370f04ff32f2ee23f1b9e9f489a69eaabbaea2de9",
              "confirmed": "2026-11-12"
            }
          },
          "intro": {
            "text": "4.99% p.a. introductory rate – applicable for a 5 month period",
            "url": "https://horizonbank.com.au/media/3900/credit-card-key-fact-sheet-010924.pdf",
            "citation": {
              "quote": "4.99% p.a. introductory rate – applicable for a 5 month period",
              "url": "https://horizonbank.com.au/media/3900/credit-card-key-fact-sheet-010924.pdf#page=1",
              "page": 1,
              "document_sha256": "d547dc34b449d6ddabd5469370f04ff32f2ee23f1b9e9f489a69eaabbaea2de9",
              "confirmed": "2026-11-12"
            }
          },
          "credit_limit": {
            "text": "The minimum amount you can borrow for a Visa Credit Card is $500 and the maximum amount is $30,000.",
            "url": "https://horizonbank.com.au/help/faqs/visa-credit-card-faqs/",
            "citation": {
              "quote": "The minimum amount you can borrow for a Visa Credit Card is $500 and the maximum amount is $30,000.",
              "url": "https://horizonbank.com.au/help/faqs/visa-credit-card-faqs/#:~:text=The%20minimum%20amount%20you%20can,the%20maximum%20amount%20is%20%2430%2C000.",
              "document_sha256": "0ecb878032b91e8f32e9fa99d86edd907fa461cd6826adcb2b5df305fd17cd8c",
              "confirmed": "2026-11-12"
            }
          }
        },
        "verified": {
          "annual_fee": "found",
          "intro": "found",
          "credit_limit": "found"
        }
      },
      "from_issuer_page": [
        {
          "source": "correction",
          "fields": [
            "annual_fee",
            "intro_purchase_rate_pct",
            "intro_purchase_months",
            "max_credit_limit"
          ],
          "confirmed": "2026-11-12",
          "url": "https://horizonbank.com.au/media/3900/credit-card-key-fact-sheet-010924.pdf#page=1",
          "quote": "Annual fee $49"
        }
      ],
      "rate_pct": 12.95,
      "rankings": [
        {
          "segment": "personal",
          "kind": "low_rate",
          "rank": 28,
          "of": 52,
          "hidden_by_default": null
        }
      ]
    }
  ],
  "licence_shared_with": []
}