{
  "brand": "P&N Bank",
  "brand_label": "P&N Bank",
  "brand_slug": "p-n-bank",
  "legal_entity_abn": "69087651876",
  "public_base_uri": "https://public.cdr-api.pnbank.com.au",
  "logo_uri": "https://digital.pnbank.com.au/globalassets/internet-banking/onboarding/logo-small.png",
  "status": "ok",
  "stale": false,
  "bank_last_updated": "2026-11-03T20:00:29Z",
  "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":19,"of":52,"product_label":"Visa Classic","card_type":"credit","purchase_rate_pct":11.99,"annual_fee":49.0,"fee_period":"annual","annual_fee_stated":true,"interest_free_days":45,"min_credit_limit":1000.0,"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":null,"conditions":"k1","restrictions":[],"record_stale":false}
    ],
    "condition_sets": {
      "k1": [
        "credit limit $1,000 to $100,000",
        "Credit eligibilty criteria, terms and conditions, fees and charges apply.",
        "You must be or become a P&N Bank member",
        "3% foreign currency conversion fee",
        "$5 late payment notification fee at 11 and 30 days overdue, $75 notice of demand at 46 days, $50 a month after 90 days",
        "no interest-free period on cash advances"
      ]
    },
    "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": "41",
      "product_name": "P&N Bank Visa Classic",
      "product_label": "Visa Classic",
      "product_slug": "visa-classic",
      "page": "/au/finance/credit-cards/cards/p-n-bank/visa-classic/",
      "product_url": "https://www.pnbank.com.au/cards/credit-cards/visa-classic/",
      "terms_url": "https://www.pnbank.com.au/important-information/terms-and-conditions/credit-card-conditions-of-use/",
      "fees_url": "https://www.pnbank.com.au/help-and-support/fees/credit-cards/",
      "eligibility_url": null,
      "card_type": "credit",
      "scheme": "visa",
      "tier": null,
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "description": "If you're looking for a low-cost credit card the Visa Classic Credit Card could be the right fit. With a minimum credit limit of $1,000, it's a great option for first time credit card holders, or if you want to keep your spending habits under control.",
      "purchase_rate_pct": 11.99,
      "purchase_rate_is_base": null,
      "no_interest_card": null,
      "purchase_rate_range_pct": null,
      "purchase_rate_note": "Up to 45 days Interest free if you pay off your balance in full each month",
      "cash_advance_rate_pct": 19.99,
      "intro_purchase_rate_pct": null,
      "intro_purchase_months": null,
      "interest_free_days": 45,
      "annual_fee": 49.0,
      "fee_period": "annual",
      "fee_as_stated": 49.0,
      "annual_fee_stated": true,
      "annual_fee_note": null,
      "fee_name": "Credit Card Annual Fee",
      "fee_offers": [],
      "first_year_fee_waived": false,
      "fee_waived_for_group": null,
      "foreign_transaction_fee_pct": null,
      "foreign_transaction_fee": 0.0,
      "cash_advance_fee_pct": null,
      "cash_advance_fee": 5.0,
      "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",
        "Samsung Pay"
      ],
      "instalment_plan": false,
      "additional_cards": null,
      "additional_cards_offered": true,
      "min_credit_limit": 1000.0,
      "max_credit_limit": 100000.0,
      "min_income": null,
      "min_age": 18,
      "restrictions": [],
      "who_can_open": {
        "restricted": false,
        "groups": [],
        "open_note": null
      },
      "conditions": [
        "credit limit $1,000 to $100,000",
        "Credit eligibilty criteria, terms and conditions, fees and charges apply.",
        "You must be or become a P&N Bank member",
        "3% foreign currency conversion fee",
        "$5 late payment notification fee at 11 and 30 days overdue, $75 notice of demand at 46 days, $50 a month after 90 days",
        "no interest-free period on cash advances"
      ],
      "eligibility": [
        "Credit eligibilty criteria, terms and conditions, fees and charges apply.",
        "You must be or become a P&N Bank member"
      ],
      "ranked": true,
      "unranked_reason": null,
      "rankings": [
        {
          "segment": "personal",
          "kind": "low_rate",
          "rank": 19,
          "of": 52,
          "hidden_by_default": null
        }
      ],
      "source_kind": "feed",
      "record_stale": false,
      "source_url": "https://public.cdr-api.pnbank.com.au/cds-au/v1/banking/products/41",
      "source_snapshot": "/au/finance/credit-cards/v1/source/p-n-bank/41.json",
      "snapshot_at": "2026-11-05T03:37:57Z",
      "bank_last_updated": "2026-11-03T20:00:29.2114598Z",
      "key_facts_sheet_url": "https://www.pnbank.com.au/important-information/terms-and-conditions/classic-credit-card-fact-sheet/",
      "document_links_source": {
        "key_facts_sheet_url": "found by hand 2026-11-01: Key Facts Sheet"
      },
      "from_issuer_page": null
    },
    {
      "product_id": "40",
      "product_name": "P&N Bank Visa Platinum",
      "product_label": "Visa Platinum",
      "product_slug": "visa-platinum",
      "page": "/au/finance/credit-cards/cards/p-n-bank/visa-platinum/",
      "product_url": "https://www.pnbank.com.au/cards/credit-cards/visa-platinum/",
      "terms_url": "https://www.pnbank.com.au/important-information/terms-and-conditions/credit-card-conditions-of-use/",
      "fees_url": "https://www.pnbank.com.au/help-and-support/fees/credit-cards/",
      "eligibility_url": null,
      "card_type": "credit",
      "scheme": "visa",
      "tier": "platinum",
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "description": "P&N Bank's Visa Platinum Credit Card offers flexible access to credit, up to 45 days interest free on purchases and other lifestyle features and benefits including insurance.",
      "purchase_rate_pct": 11.99,
      "purchase_rate_is_base": null,
      "no_interest_card": null,
      "purchase_rate_range_pct": null,
      "purchase_rate_note": "Up to 45 days Interest free if you pay off your balance in full each month",
      "cash_advance_rate_pct": 19.99,
      "intro_purchase_rate_pct": null,
      "intro_purchase_months": null,
      "interest_free_days": 45,
      "annual_fee": 99.0,
      "fee_period": "annual",
      "fee_as_stated": 99.0,
      "annual_fee_stated": true,
      "annual_fee_note": null,
      "fee_name": "Credit Card Annual Fee",
      "fee_offers": [],
      "first_year_fee_waived": false,
      "fee_waived_for_group": null,
      "foreign_transaction_fee_pct": null,
      "foreign_transaction_fee": 0.0,
      "cash_advance_fee_pct": null,
      "cash_advance_fee": 5.0,
      "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": [
        "Receive complimentary travel insurance. Terms and conditions apply."
      ],
      "digital_wallets": [
        "Apple Pay",
        "Google Pay",
        "Samsung Pay"
      ],
      "instalment_plan": false,
      "additional_cards": null,
      "additional_cards_offered": true,
      "min_credit_limit": 6000.0,
      "max_credit_limit": 100000.0,
      "min_income": null,
      "min_age": 18,
      "restrictions": [],
      "who_can_open": {
        "restricted": false,
        "groups": [],
        "open_note": null
      },
      "conditions": [
        "credit limit $6,000 to $100,000",
        "Credit eligibilty criteria, terms and conditions, fees and charges apply.",
        "You must be or become a P&N Bank member",
        "3% foreign currency conversion fee",
        "$5 late payment notification fee at 11 and 30 days overdue, $75 notice of demand at 46 days, $50 a month after 90 days",
        "no interest-free period on cash advances"
      ],
      "eligibility": [
        "Credit eligibilty criteria, terms and conditions, fees and charges apply.",
        "You must be or become a P&N Bank member"
      ],
      "ranked": true,
      "unranked_reason": null,
      "rankings": [],
      "source_kind": "feed",
      "record_stale": false,
      "source_url": "https://public.cdr-api.pnbank.com.au/cds-au/v1/banking/products/40",
      "source_snapshot": "/au/finance/credit-cards/v1/source/p-n-bank/40.json",
      "snapshot_at": "2026-11-05T03:37:57Z",
      "bank_last_updated": "2026-11-03T20:00:29.2114598Z",
      "key_facts_sheet_url": "https://www.pnbank.com.au/important-information/terms-and-conditions/platinum-credit-card-fact-sheet/",
      "document_links_source": {
        "key_facts_sheet_url": "found by hand 2026-11-01: Key Facts Sheet"
      },
      "from_issuer_page": null
    }
  ],
  "rows": [
    {
      "brand": "P&N Bank",
      "brand_label": "P&N Bank",
      "brand_slug": "p-n-bank",
      "legal_entity_abn": "69087651876",
      "product_id": "41",
      "product_name": "P&N Bank Visa Classic",
      "product_label": "Visa Classic",
      "product_slug": "visa-classic",
      "page": "/au/finance/credit-cards/cards/p-n-bank/visa-classic/",
      "product_url": "https://www.pnbank.com.au/cards/credit-cards/visa-classic/",
      "terms_url": "https://www.pnbank.com.au/important-information/terms-and-conditions/credit-card-conditions-of-use/",
      "fees_url": "https://www.pnbank.com.au/help-and-support/fees/credit-cards/",
      "eligibility_url": null,
      "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": 19.99,
      "intro_purchase_rate_pct": null,
      "intro_purchase_months": null,
      "interest_free_days": 45,
      "annual_fee": 49.0,
      "fee_period": "annual",
      "fee_as_stated": 49.0,
      "annual_fee_stated": true,
      "annual_fee_note": null,
      "fee_name": "Credit Card Annual Fee",
      "first_year_fee_waived": false,
      "fee_waived_for_group": null,
      "foreign_transaction_fee_pct": null,
      "foreign_transaction_fee": 0.0,
      "cash_advance_fee_pct": null,
      "cash_advance_fee": 5.0,
      "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",
        "Samsung Pay"
      ],
      "instalment_plan": false,
      "additional_cards": null,
      "additional_cards_offered": true,
      "min_credit_limit": 1000.0,
      "max_credit_limit": 100000.0,
      "min_income": null,
      "min_age": 18,
      "restrictions": [],
      "who_can_open": {
        "restricted": false,
        "groups": [],
        "open_note": null
      },
      "conditions": [
        "credit limit $1,000 to $100,000",
        "Credit eligibilty criteria, terms and conditions, fees and charges apply.",
        "You must be or become a P&N Bank member",
        "3% foreign currency conversion fee",
        "$5 late payment notification fee at 11 and 30 days overdue, $75 notice of demand at 46 days, $50 a month after 90 days",
        "no interest-free period on cash advances"
      ],
      "ranked": true,
      "unranked_reason": null,
      "source_kind": "feed",
      "record_stale": false,
      "source_url": "https://public.cdr-api.pnbank.com.au/cds-au/v1/banking/products/41",
      "source_snapshot": "/au/finance/credit-cards/v1/source/p-n-bank/41.json",
      "snapshot_at": "2026-11-12T02:35:59Z",
      "bank_last_updated": "2026-11-03T20:00:29.2114598Z",
      "key_facts_sheet_url": "https://www.pnbank.com.au/important-information/terms-and-conditions/classic-credit-card-fact-sheet/",
      "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": 19,
          "of": 52,
          "hidden_by_default": null
        }
      ]
    },
    {
      "brand": "P&N Bank",
      "brand_label": "P&N Bank",
      "brand_slug": "p-n-bank",
      "legal_entity_abn": "69087651876",
      "product_id": "40",
      "product_name": "P&N Bank Visa Platinum",
      "product_label": "Visa Platinum",
      "product_slug": "visa-platinum",
      "page": "/au/finance/credit-cards/cards/p-n-bank/visa-platinum/",
      "product_url": "https://www.pnbank.com.au/cards/credit-cards/visa-platinum/",
      "terms_url": "https://www.pnbank.com.au/important-information/terms-and-conditions/credit-card-conditions-of-use/",
      "fees_url": "https://www.pnbank.com.au/help-and-support/fees/credit-cards/",
      "eligibility_url": null,
      "card_type": "credit",
      "scheme": "visa",
      "tier": "platinum",
      "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": 19.99,
      "intro_purchase_rate_pct": null,
      "intro_purchase_months": null,
      "interest_free_days": 45,
      "annual_fee": 99.0,
      "fee_period": "annual",
      "fee_as_stated": 99.0,
      "annual_fee_stated": true,
      "annual_fee_note": null,
      "fee_name": "Credit Card Annual Fee",
      "first_year_fee_waived": false,
      "fee_waived_for_group": null,
      "foreign_transaction_fee_pct": null,
      "foreign_transaction_fee": 0.0,
      "cash_advance_fee_pct": null,
      "cash_advance_fee": 5.0,
      "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",
        "Samsung Pay"
      ],
      "instalment_plan": false,
      "additional_cards": null,
      "additional_cards_offered": true,
      "min_credit_limit": 6000.0,
      "max_credit_limit": 100000.0,
      "min_income": null,
      "min_age": 18,
      "restrictions": [],
      "who_can_open": {
        "restricted": false,
        "groups": [],
        "open_note": null
      },
      "conditions": [
        "credit limit $6,000 to $100,000",
        "Credit eligibilty criteria, terms and conditions, fees and charges apply.",
        "You must be or become a P&N Bank member",
        "3% foreign currency conversion fee",
        "$5 late payment notification fee at 11 and 30 days overdue, $75 notice of demand at 46 days, $50 a month after 90 days",
        "no interest-free period on cash advances"
      ],
      "ranked": true,
      "unranked_reason": null,
      "source_kind": "feed",
      "record_stale": false,
      "source_url": "https://public.cdr-api.pnbank.com.au/cds-au/v1/banking/products/40",
      "source_snapshot": "/au/finance/credit-cards/v1/source/p-n-bank/40.json",
      "snapshot_at": "2026-11-12T02:35:59Z",
      "bank_last_updated": "2026-11-03T20:00:29.2114598Z",
      "key_facts_sheet_url": "https://www.pnbank.com.au/important-information/terms-and-conditions/platinum-credit-card-fact-sheet/",
      "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": []
    }
  ],
  "licence_shared_with": [
    "BCU Bank"
  ]
}