{
  "brand": "Newcastle Permanent",
  "brand_label": "Newcastle Permanent",
  "brand_slug": "newcastle-permanent",
  "legal_entity_abn": "96087651992",
  "public_base_uri": "https://openbank.newcastlepermanent.com.au",
  "logo_uri": "https://www.ngmgroup.com.au/globalassets/open-banking/np/np-logo.jpg",
  "status": "ok",
  "stale": false,
  "bank_last_updated": "2026-11-04T13:00:00Z",
  "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":18,"of":52,"product_label":"Value Plus Credit Card","card_type":"credit","purchase_rate_pct":11.99,"annual_fee":49.0,"fee_period":"annual","annual_fee_stated":true,"interest_free_days":55,"min_credit_limit":500.0,"max_credit_limit":20000.0,"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":"business","kind":"low_rate","rank":4,"of":13,"product_label":"Business Plus Credit Card","card_type":"credit","purchase_rate_pct":11.99,"annual_fee":55.0,"fee_period":"annual","annual_fee_stated":true,"interest_free_days":44,"min_credit_limit":500.0,"max_credit_limit":50000.0,"bt_promo_rate_pct":null,"bt_promo_months":null,"bt_fee_pct":null,"bt_revert_rate_pct":null,"rewards_program":null,"conditions":"k2","restrictions":[],"record_stale":false}
    ],
    "condition_sets": {
      "k1": [
        "credit limit $500 to $20,000",
        "employment status: Have a demonstrated ability to afford repayments",
        "Applicants must meet applicable identification requirements and lending criteria, including demonstrating an ability to afford repayments."
      ],
      "k2": [
        "credit limit $500 to $50,000",
        "Applicants must meet applicable identification requirements and lending criteria, including demonstrating an ability to afford repayments.",
        "business: Non-individual borrowers, Sole traders, partnerships and companies"
      ]
    },
    "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": "CC_businesspluscc",
      "product_name": "Business Plus Credit Card",
      "product_label": "Business Plus Credit Card",
      "product_slug": "business-plus-credit-card",
      "page": "/au/finance/credit-cards/cards/newcastle-permanent/business-plus-credit-card/",
      "product_url": "https://www.newcastlepermanent.com.au/tools-and-services/terms-and-conditions#Business",
      "terms_url": "https://www.newcastlepermanent.com.au/tools-and-services/terms-and-conditions#Business",
      "fees_url": "https://www.newcastlepermanent.com.au/tools-and-services/terms-and-conditions#Business",
      "eligibility_url": "https://www.newcastlepermanent.com.au/tools-and-services/terms-and-conditions#Business",
      "card_type": "credit",
      "scheme": null,
      "tier": null,
      "segments": [
        "business"
      ],
      "segment": "business",
      "description": "A business credit card designed to help separate company and business expenses, manage spending, and simplify bookkeeping.",
      "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": 11.99,
      "intro_purchase_rate_pct": null,
      "intro_purchase_months": null,
      "interest_free_days": 44,
      "annual_fee": 55.0,
      "fee_period": "annual",
      "fee_as_stated": 55.0,
      "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": null,
      "foreign_transaction_fee": null,
      "cash_advance_fee_pct": 2.0,
      "cash_advance_fee": null,
      "late_payment_fee": 5.0,
      "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": null,
      "additional_cards_offered": true,
      "min_credit_limit": 500.0,
      "max_credit_limit": 50000.0,
      "min_income": null,
      "min_age": 18,
      "restrictions": [],
      "who_can_open": {
        "restricted": false,
        "groups": [],
        "open_note": null
      },
      "conditions": [
        "credit limit $500 to $50,000",
        "Applicants must meet applicable identification requirements and lending criteria, including demonstrating an ability to afford repayments.",
        "business: Non-individual borrowers, Sole traders, partnerships and companies"
      ],
      "eligibility": [
        "Applicants must meet applicable identification requirements and lending criteria, including demonstrating an ability to afford repayments.",
        "business: Non-individual borrowers, Sole traders, partnerships and companies"
      ],
      "ranked": true,
      "unranked_reason": null,
      "rankings": [
        {
          "segment": "business",
          "kind": "low_rate",
          "rank": 4,
          "of": 13,
          "hidden_by_default": null
        }
      ],
      "source_kind": "feed",
      "record_stale": false,
      "source_url": "https://openbank.newcastlepermanent.com.au/cds-au/v1/banking/products/CC_businesspluscc",
      "source_snapshot": "/au/finance/credit-cards/v1/source/newcastle-permanent/CC_businesspluscc.json",
      "snapshot_at": "2026-11-05T03:37:56Z",
      "bank_last_updated": "2026-11-05T00:00:00+11:00",
      "from_issuer_page": null
    },
    {
      "product_id": "CC_valuepluscc",
      "product_name": "Value Plus Credit Card",
      "product_label": "Value Plus Credit Card",
      "product_slug": "value-plus-credit-card",
      "page": "/au/finance/credit-cards/cards/newcastle-permanent/value-plus-credit-card/",
      "product_url": "https://www.newcastlepermanent.com.au/personal/credit-card",
      "terms_url": "https://www.newcastlepermanent.com.au/tools-and-services/terms-and-conditions",
      "fees_url": "https://www.newcastlepermanent.com.au/tools-and-services/terms-and-conditions#Personal",
      "eligibility_url": "https://www.newcastlepermanent.com.au/tools-and-services/terms-and-conditions#Personal",
      "card_type": "credit",
      "scheme": null,
      "tier": null,
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "description": "A personal credit card with up to 55 days interest free on purchases, a low annual fee and competitive interest rate.",
      "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": 11.99,
      "intro_purchase_rate_pct": null,
      "intro_purchase_months": null,
      "interest_free_days": 55,
      "annual_fee": 49.0,
      "fee_period": "annual",
      "fee_as_stated": 49.0,
      "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": null,
      "foreign_transaction_fee": null,
      "cash_advance_fee_pct": 2.0,
      "cash_advance_fee": null,
      "late_payment_fee": 5.0,
      "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": [
        "Google Pay",
        "Apple Pay"
      ],
      "instalment_plan": false,
      "additional_cards": 3,
      "additional_cards_offered": true,
      "min_credit_limit": 500.0,
      "max_credit_limit": 20000.0,
      "min_income": null,
      "min_age": 18,
      "restrictions": [],
      "who_can_open": {
        "restricted": false,
        "groups": [],
        "open_note": null
      },
      "conditions": [
        "credit limit $500 to $20,000",
        "employment status: Have a demonstrated ability to afford repayments",
        "Applicants must meet applicable identification requirements and lending criteria, including demonstrating an ability to afford repayments."
      ],
      "eligibility": [
        "employment status: Have a demonstrated ability to afford repayments",
        "Applicants must meet applicable identification requirements and lending criteria, including demonstrating an ability to afford repayments."
      ],
      "ranked": true,
      "unranked_reason": null,
      "rankings": [
        {
          "segment": "personal",
          "kind": "low_rate",
          "rank": 18,
          "of": 52,
          "hidden_by_default": null
        }
      ],
      "source_kind": "feed",
      "record_stale": false,
      "source_url": "https://openbank.newcastlepermanent.com.au/cds-au/v1/banking/products/CC_valuepluscc",
      "source_snapshot": "/au/finance/credit-cards/v1/source/newcastle-permanent/CC_valuepluscc.json",
      "snapshot_at": "2026-11-06T01:15:26Z",
      "bank_last_updated": "2026-11-05T00:00:00+11:00",
      "from_issuer_page": null
    }
  ],
  "rows": [
    {
      "brand": "Newcastle Permanent",
      "brand_label": "Newcastle Permanent",
      "brand_slug": "newcastle-permanent",
      "legal_entity_abn": "96087651992",
      "product_id": "CC_businesspluscc",
      "product_name": "Business Plus Credit Card",
      "product_label": "Business Plus Credit Card",
      "product_slug": "business-plus-credit-card",
      "page": "/au/finance/credit-cards/cards/newcastle-permanent/business-plus-credit-card/",
      "product_url": "https://www.newcastlepermanent.com.au/tools-and-services/terms-and-conditions#Business",
      "terms_url": "https://www.newcastlepermanent.com.au/tools-and-services/terms-and-conditions#Business",
      "fees_url": "https://www.newcastlepermanent.com.au/tools-and-services/terms-and-conditions#Business",
      "eligibility_url": "https://www.newcastlepermanent.com.au/tools-and-services/terms-and-conditions#Business",
      "card_type": "credit",
      "scheme": null,
      "tier": null,
      "segments": [
        "business"
      ],
      "segment": "business",
      "purchase_rate_pct": 11.99,
      "purchase_rate_is_base": null,
      "no_interest_card": null,
      "purchase_rate_range_pct": null,
      "cash_advance_rate_pct": 11.99,
      "intro_purchase_rate_pct": null,
      "intro_purchase_months": null,
      "interest_free_days": 44,
      "annual_fee": 55.0,
      "fee_period": "annual",
      "fee_as_stated": 55.0,
      "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": null,
      "foreign_transaction_fee": null,
      "cash_advance_fee_pct": 2.0,
      "cash_advance_fee": null,
      "late_payment_fee": 5.0,
      "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": null,
      "additional_cards_offered": true,
      "min_credit_limit": 500.0,
      "max_credit_limit": 50000.0,
      "min_income": null,
      "min_age": 18,
      "restrictions": [],
      "who_can_open": {
        "restricted": false,
        "groups": [],
        "open_note": null
      },
      "conditions": [
        "credit limit $500 to $50,000",
        "Applicants must meet applicable identification requirements and lending criteria, including demonstrating an ability to afford repayments.",
        "business: Non-individual borrowers, Sole traders, partnerships and companies"
      ],
      "ranked": true,
      "unranked_reason": null,
      "source_kind": "feed",
      "record_stale": false,
      "source_url": "https://openbank.newcastlepermanent.com.au/cds-au/v1/banking/products/CC_businesspluscc",
      "source_snapshot": "/au/finance/credit-cards/v1/source/newcastle-permanent/CC_businesspluscc.json",
      "snapshot_at": "2026-11-12T02:35:58Z",
      "bank_last_updated": "2026-11-05T00:00:00+11:00",
      "from_issuer_page": null,
      "rate_pct": 11.99,
      "rankings": [
        {
          "segment": "business",
          "kind": "low_rate",
          "rank": 4,
          "of": 13,
          "hidden_by_default": null
        }
      ]
    },
    {
      "brand": "Newcastle Permanent",
      "brand_label": "Newcastle Permanent",
      "brand_slug": "newcastle-permanent",
      "legal_entity_abn": "96087651992",
      "product_id": "CC_valuepluscc",
      "product_name": "Value Plus Credit Card",
      "product_label": "Value Plus Credit Card",
      "product_slug": "value-plus-credit-card",
      "page": "/au/finance/credit-cards/cards/newcastle-permanent/value-plus-credit-card/",
      "product_url": "https://www.newcastlepermanent.com.au/personal/credit-card",
      "terms_url": "https://www.newcastlepermanent.com.au/tools-and-services/terms-and-conditions",
      "fees_url": "https://www.newcastlepermanent.com.au/tools-and-services/terms-and-conditions#Personal",
      "eligibility_url": "https://www.newcastlepermanent.com.au/tools-and-services/terms-and-conditions#Personal",
      "card_type": "credit",
      "scheme": null,
      "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": 11.99,
      "intro_purchase_rate_pct": null,
      "intro_purchase_months": null,
      "interest_free_days": 55,
      "annual_fee": 49.0,
      "fee_period": "annual",
      "fee_as_stated": 49.0,
      "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": null,
      "foreign_transaction_fee": null,
      "cash_advance_fee_pct": 2.0,
      "cash_advance_fee": null,
      "late_payment_fee": 5.0,
      "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": [
        "Google Pay",
        "Apple Pay"
      ],
      "instalment_plan": false,
      "additional_cards": 3,
      "additional_cards_offered": true,
      "min_credit_limit": 500.0,
      "max_credit_limit": 20000.0,
      "min_income": null,
      "min_age": 18,
      "restrictions": [],
      "who_can_open": {
        "restricted": false,
        "groups": [],
        "open_note": null
      },
      "conditions": [
        "credit limit $500 to $20,000",
        "employment status: Have a demonstrated ability to afford repayments",
        "Applicants must meet applicable identification requirements and lending criteria, including demonstrating an ability to afford repayments."
      ],
      "ranked": true,
      "unranked_reason": null,
      "source_kind": "feed",
      "record_stale": false,
      "source_url": "https://openbank.newcastlepermanent.com.au/cds-au/v1/banking/products/CC_valuepluscc",
      "source_snapshot": "/au/finance/credit-cards/v1/source/newcastle-permanent/CC_valuepluscc.json",
      "snapshot_at": "2026-11-12T02:35:58Z",
      "bank_last_updated": "2026-11-05T00:00:00+11:00",
      "from_issuer_page": null,
      "rate_pct": 11.99,
      "rankings": [
        {
          "segment": "personal",
          "kind": "low_rate",
          "rank": 18,
          "of": 52,
          "hidden_by_default": null
        }
      ]
    }
  ],
  "licence_shared_with": [
    "Greater Bank"
  ]
}