{
  "brand": "HSBC Bank Australia Limited – Wholesale Banking",
  "brand_label": "HSBC (wholesale)",
  "brand_slug": "hsbc-bank-australia-limited-wholesale-banking",
  "legal_entity_abn": "48006434162",
  "public_base_uri": "https://public.ob.business.hsbc.com.au",
  "logo_uri": "https://www.hsbc.com.au/content/dam/hsbc/au/images/01_HSBC_MASTERBRAND_LOGO_RGB.svg",
  "status": "ok",
  "stale": false,
  "bank_last_updated": "2025-12-02T07:09:54Z",
  "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": [],
    "condition_sets": {},
    "unranked": {
      "products": 2,
      "corporate_program": 2
    }
  },
  "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": "CR2",
      "product_name": "HSBC Corporate or Purchasing Card",
      "product_label": "Corporate or Purchasing Card",
      "product_slug": "corporate-or-purchasing-card",
      "page": "/au/finance/credit-cards/cards/hsbc-bank-australia-limited-wholesale-banking/corporate-or-purchasing-card/",
      "product_url": "https://www.business.hsbc.com.au/en-au/solutions/corporate-card",
      "terms_url": "https://www.business.hsbc.com.au/en-au/solutions/corporate-card",
      "fees_url": null,
      "eligibility_url": "https://www.business.hsbc.com.au/en-au/solutions/corporate-card",
      "card_type": "corporate",
      "scheme": "mastercard",
      "tier": null,
      "segments": [
        "business"
      ],
      "segment": "business",
      "description": "Corporate or Purchasing cards for corporate expenditure including T&E and Procurement spend",
      "purchase_rate_pct": null,
      "purchase_rate_is_base": null,
      "no_interest_card": null,
      "purchase_rate_range_pct": null,
      "purchase_rate_note": null,
      "cash_advance_rate_pct": 15.75,
      "intro_purchase_rate_pct": null,
      "intro_purchase_months": null,
      "interest_free_days": 55,
      "annual_fee": 40.0,
      "fee_period": "annual",
      "fee_as_stated": 40.0,
      "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": 2.5,
      "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": [
        "Complimentary travel & unauthorised transaction insurance"
      ],
      "digital_wallets": [],
      "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": [
        "not updated by the bank since 2025-12-02; check its page, as the rate or fee may have changed",
        "business: Corporate applicants only. Company Liability.",
        "annual fee charged as standard but may be negotiable"
      ],
      "eligibility": [
        "business: Corporate applicants only. Company Liability."
      ],
      "ranked": false,
      "unranked_reason": "corporate_program",
      "rankings": [],
      "source_kind": "feed",
      "record_stale": true,
      "source_url": "https://public.ob.business.hsbc.com.au/cds-au/v1/banking/products/CR2",
      "source_snapshot": "/au/finance/credit-cards/v1/source/hsbc-bank-australia-limited-wholesale-banking/CR2.json",
      "snapshot_at": "2026-10-24T09:57:59Z",
      "bank_last_updated": "2025-12-02T07:07:11.406Z",
      "from_issuer_page": null
    },
    {
      "product_id": "CR3",
      "product_name": "HSBC Virtual Card",
      "product_label": "Virtual Card",
      "product_slug": "virtual-card",
      "page": "/au/finance/credit-cards/cards/hsbc-bank-australia-limited-wholesale-banking/virtual-card/",
      "product_url": "https://www.business.hsbc.com.au/en-au/solutions/corporate-card",
      "terms_url": "https://www.business.hsbc.com.au/en-au/solutions/corporate-card",
      "fees_url": "https://www.business.hsbc.com.au/en-au/solutions/corporate-card",
      "eligibility_url": "https://www.business.hsbc.com.au/en-au/solutions/corporate-card",
      "card_type": "corporate",
      "scheme": "mastercard",
      "tier": null,
      "segments": [
        "business"
      ],
      "segment": "business",
      "description": "Single and multi use virtual cards for corporate expenditure",
      "purchase_rate_pct": null,
      "purchase_rate_is_base": null,
      "no_interest_card": null,
      "purchase_rate_range_pct": null,
      "purchase_rate_note": null,
      "cash_advance_rate_pct": null,
      "intro_purchase_rate_pct": null,
      "intro_purchase_months": null,
      "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": 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": null,
      "rewards_program": null,
      "rewards_programs": [],
      "rewards_program_fee": null,
      "bonus_offer": null,
      "cashback_offer": null,
      "insurances": [
        "Complimentary unauthorised transaction insurance"
      ],
      "digital_wallets": [],
      "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": [
        "not updated by the bank since 2025-12-02; check its page, as the rate or fee may have changed",
        "business: Business / Corporate applicants only"
      ],
      "eligibility": [
        "business: Business / Corporate applicants only"
      ],
      "ranked": false,
      "unranked_reason": "corporate_program",
      "rankings": [],
      "source_kind": "feed",
      "record_stale": true,
      "source_url": "https://public.ob.business.hsbc.com.au/cds-au/v1/banking/products/CR3",
      "source_snapshot": "/au/finance/credit-cards/v1/source/hsbc-bank-australia-limited-wholesale-banking/CR3.json",
      "snapshot_at": "2026-10-24T09:57:59Z",
      "bank_last_updated": "2025-12-02T07:09:54.418Z",
      "from_issuer_page": null
    }
  ],
  "rows": [
    {
      "brand": "HSBC Bank Australia Limited – Wholesale Banking",
      "brand_label": "HSBC (wholesale)",
      "brand_slug": "hsbc-bank-australia-limited-wholesale-banking",
      "legal_entity_abn": "48006434162",
      "product_id": "CR2",
      "product_name": "HSBC Corporate or Purchasing Card",
      "product_label": "Corporate or Purchasing Card",
      "product_slug": "corporate-or-purchasing-card",
      "page": "/au/finance/credit-cards/cards/hsbc-bank-australia-limited-wholesale-banking/corporate-or-purchasing-card/",
      "product_url": "https://www.business.hsbc.com.au/en-au/solutions/corporate-card",
      "terms_url": "https://www.business.hsbc.com.au/en-au/solutions/corporate-card",
      "fees_url": null,
      "eligibility_url": "https://www.business.hsbc.com.au/en-au/solutions/corporate-card",
      "card_type": "corporate",
      "scheme": "mastercard",
      "tier": null,
      "segments": [
        "business"
      ],
      "segment": "business",
      "purchase_rate_pct": null,
      "purchase_rate_is_base": null,
      "no_interest_card": null,
      "purchase_rate_range_pct": null,
      "cash_advance_rate_pct": 15.75,
      "intro_purchase_rate_pct": null,
      "intro_purchase_months": null,
      "interest_free_days": 55,
      "annual_fee": 40.0,
      "fee_period": "annual",
      "fee_as_stated": 40.0,
      "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": 2.5,
      "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": [],
      "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": [
        "not updated by the bank since 2025-12-02; check its page, as the rate or fee may have changed",
        "business: Corporate applicants only. Company Liability.",
        "annual fee charged as standard but may be negotiable"
      ],
      "ranked": false,
      "unranked_reason": "corporate_program",
      "source_kind": "feed",
      "record_stale": true,
      "source_url": "https://public.ob.business.hsbc.com.au/cds-au/v1/banking/products/CR2",
      "source_snapshot": "/au/finance/credit-cards/v1/source/hsbc-bank-australia-limited-wholesale-banking/CR2.json",
      "snapshot_at": "2026-11-12T02:35:54Z",
      "bank_last_updated": "2025-12-02T07:07:11.406Z",
      "from_issuer_page": null,
      "rate_pct": null,
      "rankings": []
    },
    {
      "brand": "HSBC Bank Australia Limited – Wholesale Banking",
      "brand_label": "HSBC (wholesale)",
      "brand_slug": "hsbc-bank-australia-limited-wholesale-banking",
      "legal_entity_abn": "48006434162",
      "product_id": "CR3",
      "product_name": "HSBC Virtual Card",
      "product_label": "Virtual Card",
      "product_slug": "virtual-card",
      "page": "/au/finance/credit-cards/cards/hsbc-bank-australia-limited-wholesale-banking/virtual-card/",
      "product_url": "https://www.business.hsbc.com.au/en-au/solutions/corporate-card",
      "terms_url": "https://www.business.hsbc.com.au/en-au/solutions/corporate-card",
      "fees_url": "https://www.business.hsbc.com.au/en-au/solutions/corporate-card",
      "eligibility_url": "https://www.business.hsbc.com.au/en-au/solutions/corporate-card",
      "card_type": "corporate",
      "scheme": "mastercard",
      "tier": null,
      "segments": [
        "business"
      ],
      "segment": "business",
      "purchase_rate_pct": null,
      "purchase_rate_is_base": null,
      "no_interest_card": null,
      "purchase_rate_range_pct": null,
      "cash_advance_rate_pct": null,
      "intro_purchase_rate_pct": null,
      "intro_purchase_months": null,
      "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": 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": 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": [],
      "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": [
        "not updated by the bank since 2025-12-02; check its page, as the rate or fee may have changed",
        "business: Business / Corporate applicants only"
      ],
      "ranked": false,
      "unranked_reason": "corporate_program",
      "source_kind": "feed",
      "record_stale": true,
      "source_url": "https://public.ob.business.hsbc.com.au/cds-au/v1/banking/products/CR3",
      "source_snapshot": "/au/finance/credit-cards/v1/source/hsbc-bank-australia-limited-wholesale-banking/CR3.json",
      "snapshot_at": "2026-11-12T02:35:54Z",
      "bank_last_updated": "2025-12-02T07:09:54.418Z",
      "from_issuer_page": null,
      "rate_pct": null,
      "rankings": []
    }
  ],
  "licence_shared_with": [
    "HSBC"
  ]
}