{
  "brand": "MyCard",
  "brand_label": "MyCard",
  "brand_slug": "mycard",
  "legal_entity_abn": "12004044937",
  "public_base_uri": "https://api-openbanking.secure.mycard.com.au",
  "logo_uri": "https://content.nab.com.au/content/dam/mycard/images/eds/mycard-logo-stack-bronze-rgb.svg",
  "status": "ok",
  "stale": false,
  "bank_last_updated": "2026-11-02T00:00:00Z",
  "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":48,"of":52,"product_label":"Clear","card_type":"credit","purchase_rate_pct":14.99,"annual_fee":149.0,"fee_period":"annual","annual_fee_stated":true,"interest_free_days":44,"min_credit_limit":2000.0,"max_credit_limit":100000.0,"bt_promo_rate_pct":0.0,"bt_promo_months":24,"bt_fee_pct":3.0,"bt_revert_rate_pct":22.24,"rewards_program":null,"conditions":"k1","restrictions":[],"record_stale":false},
      {"segment":"personal","kind":"balance_transfer","rank":7,"of":22,"product_label":"Clear","card_type":"credit","purchase_rate_pct":14.99,"annual_fee":149.0,"fee_period":"annual","annual_fee_stated":true,"interest_free_days":44,"min_credit_limit":2000.0,"max_credit_limit":100000.0,"bt_promo_rate_pct":0.0,"bt_promo_months":24,"bt_fee_pct":3.0,"bt_revert_rate_pct":22.24,"rewards_program":null,"conditions":"k1","restrictions":[],"record_stale":false},
      {"segment":"personal","kind":"rewards","rank":17,"of":24,"product_label":"Rewards","card_type":"credit","purchase_rate_pct":22.49,"annual_fee":249.0,"fee_period":"annual","annual_fee_stated":true,"interest_free_days":44,"min_credit_limit":2000.0,"max_credit_limit":100000.0,"bt_promo_rate_pct":null,"bt_promo_months":null,"bt_fee_pct":null,"bt_revert_rate_pct":null,"rewards_program":"MyCard Rewards Program","conditions":"k2","restrictions":[],"record_stale":false}
    ],
    "condition_sets": {
      "k1": [
        "corrected from the bank's own page: the issuer's page offers 0% on balance transfers for 24 months with a 3% fee, reverting to the cash advance rate; its feed carries no offer",
        "credit limit $2,000 to $100,000",
        "cash advance fee 3.5%, minimum $3.50, in Australia and overseas",
        "offers not available when closing or transferring from another MyCard card",
        "$2 a month paper statement fee",
        "0% on balance transfers for 24 months, 3% transfer fee, then the cash advance rate"
      ],
      "k2": [
        "credit limit $2,000 to $100,000",
        "cash advance fee 3.5%, minimum $3.50, in Australia and overseas",
        "offers not available when closing or transferring from another MyCard card",
        "$2 a month paper statement fee",
        "100,000 bonus points for $5,000 spend in 90 days (with 0% balance transfers for 12 months, 3% fee)",
        "alternative offer: 0% on purchases and balance transfers for 15 months, 2% transfer fee",
        "2 points per $1 overseas and at supermarkets and petrol outlets, 1.5 elsewhere"
      ]
    },
    "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": "bbf2b66e-203b-45a9-b40b-520e3ff4d2e4",
      "product_name": "MyCard Clear",
      "product_label": "Clear",
      "product_slug": "clear",
      "page": "/au/finance/credit-cards/cards/mycard/clear/",
      "product_url": "https://mycard.com.au/credit-cards/clear-card",
      "terms_url": "https://mycard.com.au/help-and-support/important-information/terms-and-conditions",
      "fees_url": "https://mycard.com.au/help-and-support/important-information/fees-and-charges-credit-cards",
      "eligibility_url": "https://mycard.com.au/credit-cards/clear-card",
      "card_type": "credit",
      "scheme": "mastercard",
      "tier": null,
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "description": "The Product is a low interest rate credit card that provides individuals with a line of credit facility that has a low rate.",
      "purchase_rate_pct": 14.99,
      "purchase_rate_is_base": null,
      "no_interest_card": null,
      "purchase_rate_range_pct": null,
      "purchase_rate_note": "Retail purchase rate",
      "cash_advance_rate_pct": 22.24,
      "intro_purchase_rate_pct": null,
      "intro_purchase_months": null,
      "interest_free_days": 44,
      "annual_fee": 149.0,
      "fee_period": "annual",
      "fee_as_stated": 149.0,
      "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": 3.5,
      "foreign_transaction_fee": null,
      "cash_advance_fee_pct": 3.5,
      "cash_advance_fee": null,
      "late_payment_fee": 30.0,
      "additional_cardholder_fee": 0.0,
      "balance_transfer": {
        "offers": [],
        "for_new_cards": null,
        "for_existing_customers": null,
        "ongoing_rate_pct": null,
        "fee_pct": 3.0,
        "revert_rate_pct": 22.24,
        "revert_to": "cash_advance",
        "promo_rate_pct": 0.0,
        "promo_months": 24
      },
      "rewards_program": null,
      "rewards_programs": [],
      "rewards_program_fee": null,
      "bonus_offer": null,
      "cashback_offer": null,
      "insurances": [
        "Purchase Protection Insurance",
        "Extended Warranty Insurance",
        "Mobile phone insurance"
      ],
      "digital_wallets": [
        "Apple Pay",
        "Samsung Pay",
        "Google Pay"
      ],
      "instalment_plan": true,
      "additional_cards": 4,
      "additional_cards_offered": true,
      "min_credit_limit": 2000.0,
      "max_credit_limit": 100000.0,
      "min_income": null,
      "min_age": 18,
      "restrictions": [],
      "who_can_open": {
        "restricted": false,
        "groups": [],
        "open_note": null
      },
      "conditions": [
        "corrected from the bank's own page: the issuer's page offers 0% on balance transfers for 24 months with a 3% fee, reverting to the cash advance rate; its feed carries no offer",
        "credit limit $2,000 to $100,000",
        "cash advance fee 3.5%, minimum $3.50, in Australia and overseas",
        "offers not available when closing or transferring from another MyCard card",
        "$2 a month paper statement fee",
        "0% on balance transfers for 24 months, 3% transfer fee, then the cash advance rate"
      ],
      "eligibility": [],
      "ranked": true,
      "unranked_reason": null,
      "rankings": [
        {
          "segment": "personal",
          "kind": "low_rate",
          "rank": 48,
          "of": 52,
          "hidden_by_default": null
        },
        {
          "segment": "personal",
          "kind": "balance_transfer",
          "rank": 7,
          "of": 22,
          "hidden_by_default": null
        }
      ],
      "source_kind": "feed",
      "record_stale": false,
      "source_url": "https://api-openbanking.secure.mycard.com.au/cds-au/v1/banking/products/bbf2b66e-203b-45a9-b40b-520e3ff4d2e4",
      "source_snapshot": "/au/finance/credit-cards/v1/source/mycard/bbf2b66e-203b-45a9-b40b-520e3ff4d2e4.json",
      "snapshot_at": "2026-11-07T23:42:54Z",
      "bank_last_updated": "2026-11-02T00:00:00Z",
      "correction": {
        "checked": "2026-11-07",
        "note": "the issuer's page offers 0% on balance transfers for 24 months with a 3% fee, reverting to the cash advance rate; its feed carries no offer",
        "fields": [
          "balance_transfer"
        ],
        "quotes": {
          "balance_transfer": {
            "text": "Get 0% p.a. for 24 months on balance transfers.",
            "url": "https://www.mycard.com.au/credit-cards/clear-card",
            "citation": {
              "quote": "Get 0% p.a. for 24 months on balance transfers.",
              "url": "https://www.mycard.com.au/credit-cards/clear-card#:~:text=Get%200%25%20p.a.%20for%2024%20months%20on%20balance%20transfers.",
              "document_sha256": "e1e98c64ac0d69b1521a0d709120cae1bf8e2bd286983c56b895add635a77d82",
              "confirmed": "2026-11-12"
            }
          },
          "fee": {
            "text": "3% balance transfer fee applies. Balance transfer rate reverts to cash advance rate after the promotional period.",
            "url": "https://www.mycard.com.au/credit-cards/clear-card",
            "citation": {
              "quote": "3% balance transfer fee applies. Balance transfer rate reverts to cash advance rate after the promotional period.",
              "url": "https://www.mycard.com.au/credit-cards/clear-card#:~:text=3%25%20balance%20transfer%20fee%20applies.,rate%20after%20the%20promotional%20period.",
              "document_sha256": "e1e98c64ac0d69b1521a0d709120cae1bf8e2bd286983c56b895add635a77d82",
              "confirmed": "2026-11-12"
            }
          }
        },
        "verified": {
          "balance_transfer": "found",
          "fee": "found"
        }
      },
      "from_issuer_page": [
        {
          "source": "correction",
          "fields": [
            "bt_promo_rate_pct",
            "bt_promo_months",
            "bt_fee_pct",
            "bt_revert_rate_pct"
          ],
          "confirmed": "2026-11-12",
          "url": "https://www.mycard.com.au/credit-cards/clear-card#:~:text=Get%200%25%20p.a.%20for%2024%20months%20on%20balance%20transfers.",
          "quote": "Get 0% p.a. for 24 months on balance transfers."
        }
      ]
    },
    {
      "product_id": "1c178978-1bac-4858-894a-eec4b71b1d68",
      "product_name": "MyCard Premier",
      "product_label": "Premier",
      "product_slug": "premier",
      "page": "/au/finance/credit-cards/cards/mycard/premier/",
      "product_url": "https://mycard.com.au/credit-cards/premier-card",
      "terms_url": "https://mycard.com.au/help-and-support/important-information/terms-and-conditions",
      "fees_url": "https://mycard.com.au/help-and-support/important-information/fees-and-charges-credit-cards",
      "eligibility_url": "https://mycard.com.au/credit-cards/premier-card",
      "card_type": "credit",
      "scheme": "mastercard",
      "tier": null,
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "description": "The Product is a premium rewards credit card that provides individuals with a line of credit facility, the ability to earn MyCard Reward Points (Reward Points) and access to ancillary benefits and complimentary insurances",
      "purchase_rate_pct": 22.49,
      "purchase_rate_is_base": null,
      "no_interest_card": null,
      "purchase_rate_range_pct": null,
      "purchase_rate_note": "Retail purchase rate",
      "cash_advance_rate_pct": 22.99,
      "intro_purchase_rate_pct": null,
      "intro_purchase_months": null,
      "interest_free_days": 44,
      "annual_fee": 300.0,
      "fee_period": "annual",
      "fee_as_stated": 300.0,
      "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": 3.5,
      "foreign_transaction_fee": null,
      "cash_advance_fee_pct": 3.5,
      "cash_advance_fee": null,
      "late_payment_fee": 30.0,
      "additional_cardholder_fee": 0.0,
      "balance_transfer": null,
      "rewards_program": "MyCard Rewards program",
      "rewards_programs": [
        "MyCard Rewards program"
      ],
      "rewards_program_fee": null,
      "bonus_offer": null,
      "cashback_offer": null,
      "insurances": [
        "International Travel Insurance",
        "Domestic Travel Insurance",
        "Extended Warranty Insurance",
        "Purchase Protection Insurance",
        "Mobile phone insurance"
      ],
      "digital_wallets": [
        "Apple Pay",
        "Samsung Pay",
        "Google Pay"
      ],
      "instalment_plan": true,
      "additional_cards": 4,
      "additional_cards_offered": true,
      "min_credit_limit": 10000.0,
      "max_credit_limit": 100000.0,
      "min_income": null,
      "min_age": 18,
      "restrictions": [],
      "who_can_open": {
        "restricted": false,
        "groups": [],
        "open_note": null
      },
      "conditions": [
        "credit limit $10,000 to $100,000",
        "cash advance fee 3.5%, minimum $3.50, in Australia and overseas",
        "offers not available when closing or transferring from another MyCard card",
        "$2 a month paper statement fee",
        "up to 150,000 bonus points: 120,000 for $7,000 spend in 90 days, 30,000 more after 12 months",
        "alternative offer: up to 100,000 bonus Velocity Points via autoredemption"
      ],
      "eligibility": [],
      "ranked": true,
      "unranked_reason": null,
      "rankings": [],
      "source_kind": "feed",
      "record_stale": false,
      "source_url": "https://api-openbanking.secure.mycard.com.au/cds-au/v1/banking/products/1c178978-1bac-4858-894a-eec4b71b1d68",
      "source_snapshot": "/au/finance/credit-cards/v1/source/mycard/1c178978-1bac-4858-894a-eec4b71b1d68.json",
      "snapshot_at": "2026-11-07T23:42:54Z",
      "bank_last_updated": "2026-11-02T00:00:00Z",
      "from_issuer_page": null
    },
    {
      "product_id": "df13d083-6e71-4a4f-a855-4389ec0e07e1",
      "product_name": "MyCard Premier Qantas",
      "product_label": "Premier Qantas",
      "product_slug": "premier-qantas",
      "page": "/au/finance/credit-cards/cards/mycard/premier-qantas/",
      "product_url": "https://mycard.com.au/credit-cards/premier-card-qantas",
      "terms_url": "https://mycard.com.au/help-and-support/important-information/terms-and-conditions",
      "fees_url": "https://mycard.com.au/help-and-support/important-information/fees-and-charges-credit-cards",
      "eligibility_url": "https://mycard.com.au/credit-cards/premier-card-qantas",
      "card_type": "credit",
      "scheme": "mastercard",
      "tier": null,
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "description": "The Product is a premium rewards credit card that provides individuals with a line of credit facility, the ability to earn Qantas Frequent Flyer Points (Qantas Points) and access to ancillary benefits and complimentary insurances",
      "purchase_rate_pct": 22.49,
      "purchase_rate_is_base": null,
      "no_interest_card": null,
      "purchase_rate_range_pct": null,
      "purchase_rate_note": "Retail purchase rate",
      "cash_advance_rate_pct": 22.99,
      "intro_purchase_rate_pct": null,
      "intro_purchase_months": null,
      "interest_free_days": 44,
      "annual_fee": 350.0,
      "fee_period": "annual",
      "fee_as_stated": 350.0,
      "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": 3.5,
      "foreign_transaction_fee": null,
      "cash_advance_fee_pct": 3.5,
      "cash_advance_fee": null,
      "late_payment_fee": 30.0,
      "additional_cardholder_fee": 0.0,
      "balance_transfer": {
        "offers": [],
        "for_new_cards": null,
        "for_existing_customers": null,
        "ongoing_rate_pct": null,
        "fee_pct": 3.0,
        "revert_rate_pct": 22.99,
        "revert_to": "cash_advance",
        "promo_rate_pct": 0.0,
        "promo_months": 12
      },
      "rewards_program": "MyCard Qantas Rewards program",
      "rewards_programs": [
        "MyCard Qantas Rewards program"
      ],
      "rewards_program_fee": null,
      "bonus_offer": null,
      "cashback_offer": null,
      "insurances": [
        "International Travel Insurance",
        "Domestic Travel Insurance",
        "Extended Warranty Insurance",
        "Purchase Protection Insurance",
        "Mobile phone insurance"
      ],
      "digital_wallets": [
        "Apple Pay",
        "Samsung Pay",
        "Google Pay"
      ],
      "instalment_plan": true,
      "additional_cards": 4,
      "additional_cards_offered": true,
      "min_credit_limit": 10000.0,
      "max_credit_limit": 100000.0,
      "min_income": null,
      "min_age": 18,
      "restrictions": [],
      "who_can_open": {
        "restricted": false,
        "groups": [],
        "open_note": null
      },
      "conditions": [
        "corrected from the bank's own page: the issuer's page offers 0% on balance transfers for 12 months with a 3% fee, reverting to the cash advance rate; its feed carries no offer",
        "credit limit $10,000 to $100,000",
        "cash advance fee 3.5%, minimum $3.50, in Australia and overseas",
        "offers not available when closing or transferring from another MyCard card",
        "$2 a month paper statement fee",
        "0.5 Qantas Points per $1, capped at $7,000 spend a statement period",
        "up to 80,000 bonus Qantas Points: 40,000 for $7,000 spend in 90 days, 40,000 more after 12 months",
        "bonus points not for anyone who holds or held a MyCard Premier Qantas card in the last 36 months",
        "0% on balance transfers for 12 months, 3% transfer fee, then the cash advance rate"
      ],
      "eligibility": [],
      "ranked": true,
      "unranked_reason": null,
      "rankings": [],
      "source_kind": "feed",
      "record_stale": false,
      "source_url": "https://api-openbanking.secure.mycard.com.au/cds-au/v1/banking/products/df13d083-6e71-4a4f-a855-4389ec0e07e1",
      "source_snapshot": "/au/finance/credit-cards/v1/source/mycard/df13d083-6e71-4a4f-a855-4389ec0e07e1.json",
      "snapshot_at": "2026-11-07T23:42:54Z",
      "bank_last_updated": "2026-11-02T00:00:00Z",
      "correction": {
        "checked": "2026-11-07",
        "note": "the issuer's page offers 0% on balance transfers for 12 months with a 3% fee, reverting to the cash advance rate; its feed carries no offer",
        "fields": [
          "balance_transfer"
        ],
        "quotes": {
          "balance_transfer": {
            "text": "0% p.a. for 12 months on Balance Transfers.",
            "url": "https://www.mycard.com.au/credit-cards/premier-card-qantas",
            "citation": {
              "quote": "0% p.a. for 12 months on Balance Transfers.",
              "url": "https://www.mycard.com.au/credit-cards/premier-card-qantas#:~:text=0%25%20p.a.%20for%2012%20months%20on%20Balance%20Transfers.",
              "document_sha256": "839293a109254beb05025366deebd367c5637abe20021a76794db8f0c6f0d5cb",
              "confirmed": "2026-11-12"
            }
          },
          "fee": {
            "text": "3% Balance Transfer Fee applies. Balance Transfer rate reverts to Cash Advance rate after the promotional period.",
            "url": "https://www.mycard.com.au/credit-cards/premier-card-qantas",
            "citation": {
              "quote": "3% Balance Transfer Fee applies. Balance Transfer rate reverts to Cash Advance rate after the promotional period.",
              "url": "https://www.mycard.com.au/credit-cards/premier-card-qantas#:~:text=3%25%20Balance%20Transfer%20Fee%20applies.,rate%20after%20the%20promotional%20period.",
              "document_sha256": "839293a109254beb05025366deebd367c5637abe20021a76794db8f0c6f0d5cb",
              "confirmed": "2026-11-12"
            }
          }
        },
        "verified": {
          "balance_transfer": "found",
          "fee": "found"
        }
      },
      "from_issuer_page": [
        {
          "source": "correction",
          "fields": [
            "bt_promo_rate_pct",
            "bt_promo_months",
            "bt_fee_pct",
            "bt_revert_rate_pct"
          ],
          "confirmed": "2026-11-12",
          "url": "https://www.mycard.com.au/credit-cards/premier-card-qantas#:~:text=0%25%20p.a.%20for%2012%20months%20on%20Balance%20Transfers.",
          "quote": "0% p.a. for 12 months on Balance Transfers."
        }
      ]
    },
    {
      "product_id": "a919d339-bab4-464d-a7af-51aec0ca6c62",
      "product_name": "MyCard Rewards",
      "product_label": "Rewards",
      "product_slug": "rewards",
      "page": "/au/finance/credit-cards/cards/mycard/rewards/",
      "product_url": "https://mycard.com.au/credit-cards/rewards-card",
      "terms_url": "https://mycard.com.au/help-and-support/important-information/terms-and-conditions",
      "fees_url": "https://mycard.com.au/help-and-support/important-information/fees-and-charges-credit-cards",
      "eligibility_url": "https://mycard.com.au/credit-cards/rewards-card",
      "card_type": "credit",
      "scheme": "mastercard",
      "tier": null,
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "description": "The Product is a rewards credit card that provides individuals with a line of credit facility, the ability to earn MyCard Reward Points (Reward Points) and access to ancillary benefits and complimentary insurances. The product is intended for everyday spend and to provide everyday benefits and disc…",
      "purchase_rate_pct": 22.49,
      "purchase_rate_is_base": null,
      "no_interest_card": null,
      "purchase_rate_range_pct": null,
      "purchase_rate_note": "Retail purchase rate",
      "cash_advance_rate_pct": 22.99,
      "intro_purchase_rate_pct": null,
      "intro_purchase_months": null,
      "interest_free_days": 44,
      "annual_fee": 249.0,
      "fee_period": "annual",
      "fee_as_stated": 249.0,
      "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": 3.5,
      "foreign_transaction_fee": null,
      "cash_advance_fee_pct": 3.5,
      "cash_advance_fee": null,
      "late_payment_fee": 30.0,
      "additional_cardholder_fee": 90.0,
      "balance_transfer": null,
      "rewards_program": "MyCard Rewards Program",
      "rewards_programs": [
        "MyCard Rewards Program"
      ],
      "rewards_program_fee": null,
      "bonus_offer": null,
      "cashback_offer": null,
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}