{
  "brand": "Police Bank",
  "brand_label": "Police Bank",
  "brand_slug": "police-bank",
  "legal_entity_abn": "95087650799",
  "public_base_uri": "https://public.cdr.prd.policebank.com.au",
  "logo_uri": "https://www.policebank.com.au/wp-content/uploads/2024/11/Police-Bank-Logo-Base-Primary-2.svg",
  "status": "ok",
  "stale": false,
  "bank_last_updated": "2026-07-28T22:48:34Z",
  "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":12,"of":52,"product_label":"Credit Card","card_type":"credit","purchase_rate_pct":10.76,"annual_fee":30.0,"fee_period":"annual","annual_fee_stated":true,"interest_free_days":55,"min_credit_limit":null,"max_credit_limit":null,"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": [
        "$30 annual fee waived in the first year",
        "minimum credit limit $1,000"
      ]
    },
    "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.",
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      "product_label": "Credit Card",
      "product_slug": "credit-card",
      "page": "/au/finance/credit-cards/cards/police-bank/credit-card/",
      "product_url": "https://www.policebank.com.au/credit-card",
      "terms_url": null,
      "fees_url": null,
      "eligibility_url": "https://cdn.mediavalet.com/aunsw/policebank/VJvq0feD5k--AWdA-eYtXw/NcnCdkzcDUOBShjKjqYU-A/Original/PBS14_Credit-Card-TMD.pdf",
      "card_type": "credit",
      "scheme": "visa",
      "tier": null,
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "description": "A Low Rate VISA Credit Card with a low annual fee and up to 55 days interest free period on purchases.",
      "purchase_rate_pct": 10.76,
      "purchase_rate_is_base": null,
      "no_interest_card": null,
      "purchase_rate_range_pct": null,
      "purchase_rate_note": null,
      "cash_advance_rate_pct": 10.76,
      "intro_purchase_rate_pct": null,
      "intro_purchase_months": null,
      "interest_free_days": 55,
      "annual_fee": 30.0,
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      "fee_as_stated": 30.0,
      "annual_fee_stated": true,
      "annual_fee_note": null,
      "fee_name": "Visa Credit Card 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": 3.8,
      "late_payment_fee": 10.0,
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      "rewards_program": null,
      "rewards_programs": [],
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      "bonus_offer": null,
      "cashback_offer": null,
      "insurances": [],
      "digital_wallets": [
        "Google Pay",
        "Samsung Pay",
        "Apple Pay"
      ],
      "instalment_plan": false,
      "additional_cards": null,
      "additional_cards_offered": null,
      "min_credit_limit": null,
      "max_credit_limit": null,
      "min_income": null,
      "min_age": 18,
      "restrictions": [],
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        "minimum credit limit $1,000"
      ],
      "eligibility": [],
      "ranked": true,
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      "rankings": [
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          "hidden_by_default": null
        }
      ],
      "source_kind": "feed",
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      "snapshot_at": "2026-10-24T09:58:05Z",
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      "from_issuer_page": null
    },
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      "product_label": "Student Credit Card",
      "product_slug": "student-credit-card",
      "page": "/au/finance/credit-cards/cards/police-bank/student-credit-card/",
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      "terms_url": null,
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      "card_type": "credit",
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      ],
      "segment": "personal",
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      "purchase_rate_is_base": null,
      "no_interest_card": null,
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      "fee_offers": [],
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      "foreign_transaction_fee_pct": 3.0,
      "foreign_transaction_fee": null,
      "cash_advance_fee_pct": null,
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      "balance_transfer": null,
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      "rewards_programs": [],
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      "bonus_offer": null,
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      "insurances": [],
      "digital_wallets": [
        "Google Pay",
        "Samsung Pay",
        "Apple Pay"
      ],
      "instalment_plan": false,
      "additional_cards": null,
      "additional_cards_offered": null,
      "min_credit_limit": null,
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      "min_income": null,
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      "restrictions": [
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      "who_can_open": {
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        "groups": [
          {
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            "who": "students",
            "level": "product",
            "quote": "Police Student Credit Card",
            "source": "name"
          }
        ],
        "open_note": null
      },
      "conditions": [
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        "a student card",
        "student: An active student at the Tasmania Rokeby Academy, or at session 2 of the NSW Goulburn Academy, or have graduated from either Academy within the last 6…",
        "$30 annual fee waived in the first year",
        "credit limit $500 to $1,500",
        "no interest and no repayments for the first 3 months"
      ],
      "eligibility": [
        "student: An active student at the Tasmania Rokeby Academy, or at session 2 of the NSW Goulburn Academy, or have graduated from either Academy within the last 6 months"
      ],
      "ranked": true,
      "unranked_reason": null,
      "rankings": [],
      "source_kind": "feed",
      "record_stale": false,
      "source_url": "https://public.cdr.prd.policebank.com.au/cds-au/v1/banking/products/4b04816d-c585-4702-88f8-19f928de57a0",
      "source_snapshot": "/au/finance/credit-cards/v1/source/police-bank/4b04816d-c585-4702-88f8-19f928de57a0.json",
      "snapshot_at": "2026-10-24T09:58:05Z",
      "bank_last_updated": "2026-07-28T22:48:33.717Z",
      "from_issuer_page": null
    }
  ],
  "rows": [
    {
      "brand": "Police Bank",
      "brand_label": "Police Bank",
      "brand_slug": "police-bank",
      "legal_entity_abn": "95087650799",
      "product_id": "c2455d26-e138-4804-b59f-eccfef6df1ee",
      "product_name": "Credit Card",
      "product_label": "Credit Card",
      "product_slug": "credit-card",
      "page": "/au/finance/credit-cards/cards/police-bank/credit-card/",
      "product_url": "https://www.policebank.com.au/credit-card",
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      "eligibility_url": "https://cdn.mediavalet.com/aunsw/policebank/VJvq0feD5k--AWdA-eYtXw/NcnCdkzcDUOBShjKjqYU-A/Original/PBS14_Credit-Card-TMD.pdf",
      "card_type": "credit",
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      "segments": [
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      "rankings": []
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  ],
  "licence_shared_with": [
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}