{
  "brand": "Qantas Money Credit Cards",
  "brand_label": "Qantas Money Credit Cards",
  "brand_slug": "qantas-money-credit-cards",
  "legal_entity_abn": "12004044937",
  "public_base_uri": "https://api.openbanking.qantasmoney.com",
  "logo_uri": "https://assets.qantasmoney.com/logos/qantas-money-logo-sm.svg",
  "status": "ok",
  "stale": false,
  "bank_last_updated": "2026-11-02T00:12:00Z",
  "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":50,"of":52,"product_label":"Money Everyday Credit Card","card_type":"credit","purchase_rate_pct":20.99,"annual_fee":99.0,"fee_period":"annual","annual_fee_stated":true,"interest_free_days":44,"min_credit_limit":4000.0,"max_credit_limit":30000.0,"bt_promo_rate_pct":0.0,"bt_promo_months":24,"bt_fee_pct":3.0,"bt_revert_rate_pct":21.99,"rewards_program":"Qantas Frequent Flyer","conditions":"k1","restrictions":[],"record_stale":false},
      {"segment":"personal","kind":"balance_transfer","rank":6,"of":22,"product_label":"Money Everyday Credit Card","card_type":"credit","purchase_rate_pct":20.99,"annual_fee":99.0,"fee_period":"annual","annual_fee_stated":true,"interest_free_days":44,"min_credit_limit":4000.0,"max_credit_limit":30000.0,"bt_promo_rate_pct":0.0,"bt_promo_months":24,"bt_fee_pct":3.0,"bt_revert_rate_pct":21.99,"rewards_program":"Qantas Frequent Flyer","conditions":"k1","restrictions":[],"record_stale":false},
      {"segment":"personal","kind":"rewards","rank":9,"of":24,"product_label":"Money Everyday Credit Card","card_type":"credit","purchase_rate_pct":20.99,"annual_fee":99.0,"fee_period":"annual","annual_fee_stated":true,"interest_free_days":44,"min_credit_limit":4000.0,"max_credit_limit":30000.0,"bt_promo_rate_pct":0.0,"bt_promo_months":24,"bt_fee_pct":3.0,"bt_revert_rate_pct":21.99,"rewards_program":"Qantas Frequent Flyer","conditions":"k1","restrictions":[],"record_stale":false}
    ],
    "condition_sets": {
      "k1": [
        "corrected from the bank's own page: 20.99% on purchases, a $99 annual fee and up to 44 days interest-free; 0% on balance transfers for 24 months with a 3% fee (offer commenced 2 November 2026), which the feed omits",
        "credit limit $4,000 to $30,000",
        "minimum income $35,000 a year",
        "Must have Australian mobile",
        "Must have Australian residential address",
        "You must be a Qantas Frequent Flyer member.",
        "offers are for new primary cardholders",
        "0.75 Qantas Points per $1 domestic up to $3,000 a statement period, then 0.4; 1 point per $1 international",
        "5,000 bonus Qantas Points for $3,000 spend within 90 days",
        "balance transfer offer for new cardholders only; total transfers up to 80% of the limit"
      ]
    },
    "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": "3c2e5891-989b-4722-bc22-c30cb30137b6",
      "product_name": "Qantas Money Everyday Credit Card",
      "product_label": "Money Everyday Credit Card",
      "product_slug": "money-everyday-credit-card",
      "page": "/au/finance/credit-cards/cards/qantas-money-credit-cards/money-everyday-credit-card/",
      "product_url": "https://www.qantasmoney.com/credit-cards/everyday#everyday",
      "terms_url": "https://www.qantasmoney.com/assets/legals/qmoney/documents/Qantas_Money_Credit_Card_Terms.pdf",
      "fees_url": "https://www.qantasmoney.com/credit-cards/everyday/fees-and-rates",
      "eligibility_url": "https://www.qantasmoney.com/credit-cards/everyday",
      "card_type": "credit",
      "scheme": "mastercard",
      "tier": null,
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "description": "The Product is a low annual fee 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 complimentary insurances, with up to 44 days interest free on retail purchases and an annual fee.",
      "purchase_rate_pct": 20.99,
      "purchase_rate_is_base": null,
      "no_interest_card": null,
      "purchase_rate_range_pct": null,
      "purchase_rate_note": "Retail Purchase Rate",
      "cash_advance_rate_pct": 21.99,
      "intro_purchase_rate_pct": null,
      "intro_purchase_months": null,
      "interest_free_days": 44,
      "annual_fee": 99.0,
      "fee_period": "annual",
      "fee_as_stated": 99.0,
      "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": 3.0,
      "cash_advance_fee": null,
      "late_payment_fee": 30.0,
      "additional_cardholder_fee": 25.0,
      "balance_transfer": {
        "offers": [],
        "for_new_cards": true,
        "for_existing_customers": null,
        "ongoing_rate_pct": null,
        "fee_pct": 3.0,
        "revert_rate_pct": 21.99,
        "revert_to": "cash_advance",
        "promo_rate_pct": 0.0,
        "promo_months": 24
      },
      "rewards_program": "Qantas Frequent Flyer",
      "rewards_programs": [
        "Qantas Frequent Flyer"
      ],
      "rewards_program_fee": null,
      "bonus_offer": null,
      "cashback_offer": null,
      "insurances": [
        "Complimentary Travel Insurance"
      ],
      "digital_wallets": [
        "Apple Pay",
        "Google Pay"
      ],
      "instalment_plan": true,
      "additional_cards": 4,
      "additional_cards_offered": true,
      "min_credit_limit": 4000.0,
      "max_credit_limit": 30000.0,
      "min_income": 35000.0,
      "min_age": 18,
      "restrictions": [],
      "who_can_open": {
        "restricted": false,
        "groups": [],
        "open_note": null
      },
      "conditions": [
        "corrected from the bank's own page: 20.99% on purchases, a $99 annual fee and up to 44 days interest-free; 0% on balance transfers for 24 months with a 3% fee (offer commenced 2 November 2026), which the feed omits",
        "credit limit $4,000 to $30,000",
        "minimum income $35,000 a year",
        "Must have Australian mobile",
        "Must have Australian residential address",
        "You must be a Qantas Frequent Flyer member.",
        "offers are for new primary cardholders",
        "0.75 Qantas Points per $1 domestic up to $3,000 a statement period, then 0.4; 1 point per $1 international",
        "5,000 bonus Qantas Points for $3,000 spend within 90 days",
        "balance transfer offer for new cardholders only; total transfers up to 80% of the limit"
      ],
      "eligibility": [
        "Must have Australian mobile",
        "Must have Australian residential address",
        "You must be a Qantas Frequent Flyer member."
      ],
      "ranked": true,
      "unranked_reason": null,
      "rankings": [
        {
          "segment": "personal",
          "kind": "low_rate",
          "rank": 50,
          "of": 52,
          "hidden_by_default": null
        },
        {
          "segment": "personal",
          "kind": "balance_transfer",
          "rank": 6,
          "of": 22,
          "hidden_by_default": null
        },
        {
          "segment": "personal",
          "kind": "rewards",
          "rank": 9,
          "of": 24,
          "hidden_by_default": null
        }
      ],
      "source_kind": "feed",
      "record_stale": false,
      "source_url": "https://api.openbanking.qantasmoney.com/cds-au/v1/banking/products/3c2e5891-989b-4722-bc22-c30cb30137b6",
      "source_snapshot": "/au/finance/credit-cards/v1/source/qantas-money-credit-cards/3c2e5891-989b-4722-bc22-c30cb30137b6.json",
      "snapshot_at": "2026-11-07T23:42:58Z",
      "bank_last_updated": "2026-11-02T00:12:00Z",
      "key_facts_sheet_url": "https://www.qantasmoney.com/assets/legals/qmoney/documents/Key_Facts_Sheet.pdf",
      "document_links_source": {
        "key_facts_sheet_url": "found by hand 2026-11-01: Key Facts Sheet"
      },
      "correction": {
        "checked": "2026-11-07",
        "note": "20.99% on purchases, a $99 annual fee and up to 44 days interest-free; 0% on balance transfers for 24 months with a 3% fee (offer commenced 2 November 2026), which the feed omits",
        "fields": [
          "balance_transfer"
        ],
        "quotes": {
          "balance_transfer": {
            "text": "0% p.a. for 24 months, with a 3% Balance Transfer fee. Reverts to Cash Advance rate after 24 months.",
            "url": "https://www.qantasmoney.com/credit-cards/everyday",
            "citation": {
              "quote": "0% p.a. for 24 months, with a 3% Balance Transfer fee. Reverts to Cash Advance rate after 24 months.",
              "url": "https://www.qantasmoney.com/credit-cards/everyday#:~:text=0%25%20p.a.%20for%2024%20months%2C,Advance%20rate%20after%2024%20months.",
              "document_sha256": "bb47f43ed5ec967be271077c3b0550ff358bae89c8bda52f70bff9e126327cec",
              "confirmed": "2026-11-12"
            }
          },
          "rate": {
            "text": "20.99% p.a.",
            "url": "https://www.qantasmoney.com/credit-cards/everyday",
            "citation": {
              "quote": "20.99% p.a.",
              "url": "https://www.qantasmoney.com/credit-cards/everyday#:~:text=20.99%25%20p.a.",
              "document_sha256": "bb47f43ed5ec967be271077c3b0550ff358bae89c8bda52f70bff9e126327cec",
              "confirmed": "2026-11-12"
            }
          }
        },
        "verified": {
          "balance_transfer": "found",
          "rate": "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.qantasmoney.com/credit-cards/everyday#:~:text=0%25%20p.a.%20for%2024%20months%2C,Advance%20rate%20after%2024%20months.",
          "quote": "0% p.a. for 24 months, with a 3% Balance Transfer fee. Reverts to Cash Advance rate after 24 months."
        }
      ]
    },
    {
      "product_id": "9da83225-c177-4d60-9475-fb0d2c7a74b4",
      "product_name": "Qantas Money Platinum Credit Card",
      "product_label": "Money Platinum Credit Card",
      "product_slug": "money-platinum-credit-card",
      "page": "/au/finance/credit-cards/cards/qantas-money-credit-cards/money-platinum-credit-card/",
      "product_url": "https://www.qantasmoney.com/credit-cards/platinum",
      "terms_url": "https://www.qantasmoney.com/assets/legals/qmoney/documents/Qantas_Money_Credit_Card_Terms.pdf",
      "fees_url": "https://www.qantasmoney.com/credit-cards/platinum#fees-rates",
      "eligibility_url": "https://www.qantasmoney.com/credit-cards/platinum",
      "card_type": "credit",
      "scheme": "mastercard",
      "tier": "platinum",
      "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 Qantas Frequent Flyer Points (Qantas Points) and access to ancillary Qantas benefits and complimentary travel insurance, with up to 44 days interest free on retail purchases and an ann…",
      "purchase_rate_pct": 20.99,
      "purchase_rate_is_base": null,
      "no_interest_card": null,
      "purchase_rate_range_pct": null,
      "purchase_rate_note": "Retail Purchase Rate",
      "cash_advance_rate_pct": 21.99,
      "intro_purchase_rate_pct": null,
      "intro_purchase_months": null,
      "interest_free_days": 44,
      "annual_fee": 399.0,
      "fee_period": "annual",
      "fee_as_stated": 399.0,
      "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": 3.0,
      "cash_advance_fee": null,
      "late_payment_fee": 30.0,
      "additional_cardholder_fee": 50.0,
      "balance_transfer": {
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        "for_new_cards": true,
        "for_existing_customers": null,
        "ongoing_rate_pct": null,
        "fee_pct": 3.0,
        "revert_rate_pct": 21.99,
        "revert_to": "cash_advance",
        "promo_rate_pct": 0.0,
        "promo_months": 24
      },
      "rewards_program": "Qantas Frequent Flyer",
      "rewards_programs": [
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      ],
      "rewards_program_fee": null,
      "bonus_offer": null,
      "cashback_offer": null,
      "insurances": [
        "Complimentary Travel Insurance"
      ],
      "digital_wallets": [
        "Apple Pay",
        "Google Pay"
      ],
      "instalment_plan": true,
      "additional_cards": 4,
      "additional_cards_offered": true,
      "min_credit_limit": 6000.0,
      "max_credit_limit": 100000.0,
      "min_income": 35000.0,
      "min_age": 18,
      "restrictions": [],
      "who_can_open": {
        "restricted": false,
        "groups": [],
        "open_note": null
      },
      "conditions": [
        "corrected from the bank's own page: 20.99% on purchases, a $399 annual fee ($349 in the first year) and up to 44 days interest-free, as the feed says; 0% on balance transfers for 24 months with a 3% fee for new cardholders, which the feed omits",
        "credit limit $6,000 to $100,000",
        "minimum income $35,000 a year",
        "Must have Australian mobile",
        "Must have Australian residential address",
        "You must be a Qantas Frequent Flyer member.",
        "offers are for new primary cardholders",
        "0% on balance transfers for 24 months, 3% fee, then the cash advance rate; new cardholders, up to 80% of the limit",
        "$349 annual fee in the first year (usually $399) if the card is first used within 12 months",
        "up to 80,000 bonus Qantas Points: 40,000 for $5,000 spend in 90 days, 40,000 more if you have not earned Qantas Points with a credit card in the last 24 months",
        "1 Qantas Point per $1 domestic up to $10,000 a statement period, then 0.5; 1.5 international"
      ],
      "eligibility": [
        "Must have Australian mobile",
        "Must have Australian residential address",
        "You must be a Qantas Frequent Flyer member."
      ],
      "ranked": true,
      "unranked_reason": null,
      "rankings": [],
      "source_kind": "feed",
      "record_stale": false,
      "source_url": "https://api.openbanking.qantasmoney.com/cds-au/v1/banking/products/9da83225-c177-4d60-9475-fb0d2c7a74b4",
      "source_snapshot": "/au/finance/credit-cards/v1/source/qantas-money-credit-cards/9da83225-c177-4d60-9475-fb0d2c7a74b4.json",
      "snapshot_at": "2026-11-07T23:42:58Z",
      "bank_last_updated": "2026-11-02T00:12:00Z",
      "document_links_source": {
        "terms_url": "found by hand 2026-11-01: terms and conditions",
        "key_facts_sheet_url": "found by hand 2026-11-01: Key Facts Sheet"
      },
      "key_facts_sheet_url": "https://www.qantasmoney.com/assets/legals/qmoney/documents/Key_Facts_Sheet.pdf",
      "correction": {
        "checked": "2026-11-07",
        "note": "20.99% on purchases, a $399 annual fee ($349 in the first year) and up to 44 days interest-free, as the feed says; 0% on balance transfers for 24 months with a 3% fee for new cardholders, which the feed omits",
        "fields": [
          "balance_transfer"
        ],
        "quotes": {
          "balance_transfer": {
            "text": "0% p.a. for 24 months on Balance Transfers. A 3% Balance Transfer fee applies. Reverts to Cash Advance rate after 24 months.",
            "url": "https://www.qantasmoney.com/credit-cards/platinum",
            "citation": {
              "quote": "0% p.a. for 24 months on Balance Transfers. A 3% Balance Transfer fee applies. Reverts to Cash Advance rate after 24 months.",
              "url": "https://www.qantasmoney.com/credit-cards/platinum#:~:text=0%25%20p.a.%20for%2024%20months,Advance%20rate%20after%2024%20months.",
              "document_sha256": "3a58ca4081991dd9008a8d72a11f6ca6f610e09e0cd5293ff0fc8d71859ab826",
              "confirmed": "2026-11-12"
            }
          },
          "rate": {
            "text": "Retail Purchase Rate 20.99% p.a.",
            "url": "https://www.qantasmoney.com/credit-cards/platinum",
            "citation": {
              "quote": "Retail Purchase Rate 20.99% p.a.",
              "url": "https://www.qantasmoney.com/credit-cards/platinum#:~:text=Retail%20Purchase%20Rate%2020.99%25%20p.a.",
              "document_sha256": "3a58ca4081991dd9008a8d72a11f6ca6f610e09e0cd5293ff0fc8d71859ab826",
              "confirmed": "2026-11-12"
            }
          },
          "annual_fee": {
            "text": "$399 per year.",
            "url": "https://www.qantasmoney.com/credit-cards/platinum",
            "citation": {
              "quote": "$399 per year.",
              "url": "https://www.qantasmoney.com/credit-cards/platinum#:~:text=%24399%20per%20year.",
              "document_sha256": "3a58ca4081991dd9008a8d72a11f6ca6f610e09e0cd5293ff0fc8d71859ab826",
              "confirmed": "2026-11-12"
            }
          }
        },
        "verified": {
          "balance_transfer": "found",
          "rate": "found",
          "annual_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.qantasmoney.com/credit-cards/platinum#:~:text=0%25%20p.a.%20for%2024%20months,Advance%20rate%20after%2024%20months.",
          "quote": "0% p.a. for 24 months on Balance Transfers. A 3% Balance Transfer fee applies. Reverts to Cash Advance rate after 24 months."
        }
      ]
    },
    {
      "product_id": "9db7d421-cc03-4dca-af57-05cbe5f183e2",
      "product_name": "Qantas Money Titanium Credit Card",
      "product_label": "Money Titanium Credit Card",
      "product_slug": "money-titanium-credit-card",
      "page": "/au/finance/credit-cards/cards/qantas-money-credit-cards/money-titanium-credit-card/",
      "product_url": "https://www.qantasmoney.com/credit-cards/titanium",
      "terms_url": "https://www.qantasmoney.com/assets/legals/qmoney/documents/Qantas_Money_Credit_Card_Terms.pdf",
      "fees_url": "https://www.qantasmoney.com/credit-cards/titanium/fees-and-rates",
      "eligibility_url": "https://www.qantasmoney.com/credit-cards/titanium",
      "card_type": "credit",
      "scheme": "mastercard",
      "tier": "titanium",
      "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 Qantas Frequent Flyer Points (Qantas Points) and access to ancillary Qantas benefits and complimentary insurances, with up to 44 days interest free on retail purchases and an annual fe…",
      "purchase_rate_pct": 20.99,
      "purchase_rate_is_base": null,
      "no_interest_card": null,
      "purchase_rate_range_pct": null,
      "purchase_rate_note": "Retail Purchase Rate",
      "cash_advance_rate_pct": 21.99,
      "intro_purchase_rate_pct": null,
      "intro_purchase_months": null,
      "interest_free_days": 44,
      "annual_fee": 1200.0,
      "fee_period": "annual",
      "fee_as_stated": 1200.0,
      "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": 3.0,
      "cash_advance_fee": null,
      "late_payment_fee": 30.0,
      "additional_cardholder_fee": 100.0,
      "balance_transfer": {
        "offers": [],
        "for_new_cards": true,
        "for_existing_customers": null,
        "ongoing_rate_pct": null,
        "fee_pct": null,
        "revert_rate_pct": 21.99,
        "revert_to": "cash_advance",
        "promo_rate_pct": 0.0,
        "promo_months": 6
      },
      "rewards_program": "Qantas Frequent Flyer",
      "rewards_programs": [
        "Qantas Frequent Flyer"
      ],
      "rewards_program_fee": null,
      "bonus_offer": null,
      "cashback_offer": null,
      "insurances": [
        "Complimentary Travel Insurance"
      ],
      "digital_wallets": [
        "Apple Pay",
        "Google Pay"
      ],
      "instalment_plan": true,
      "additional_cards": 4,
      "additional_cards_offered": true,
      "min_credit_limit": 15000.0,
      "max_credit_limit": 100000.0,
      "min_income": 200000.0,
      "min_age": 18,
      "restrictions": [],
      "who_can_open": {
        "restricted": false,
        "groups": [],
        "open_note": null
      },
      "conditions": [
        "corrected from the bank's own page: 20.99% on purchases, a $1,200 annual fee and up to 44 days interest-free, as the feed says; 0% on balance transfers for 6 months for new cardholders, reverting to the cash advance rate, which the feed omits (the page states no transfer fee either way)",
        "credit limit $15,000 to $100,000",
        "minimum income $200,000 a year",
        "You must be a Qantas Frequent Flyer member.",
        "Austrlaian residential address",
        "Austrlaian mobile",
        "offers are for new primary cardholders",
        "120,000 bonus Qantas Points for $5,000 spend within 90 days",
        "1.25 Qantas Points per $1 domestic up to $12,500 a statement period, then 0.5; 2 international",
        "0% on balance transfers for 6 months, then the cash advance rate"
      ],
      "eligibility": [
        "You must be a Qantas Frequent Flyer member.",
        "Austrlaian residential address",
        "Austrlaian mobile"
      ],
      "ranked": true,
      "unranked_reason": null,
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      "correction": {
        "checked": "2026-11-07",
        "note": "20.99% on purchases, a $1,200 annual fee and up to 44 days interest-free, as the feed says; 0% on balance transfers for 6 months for new cardholders, reverting to the cash advance rate, which the feed omits (the page states no transfer fee either way)",
        "fields": [
          "balance_transfer"
        ],
        "quotes": {
          "balance_transfer": {
            "text": "0% p.a. for 6 months. Reverts to Cash Advance rate after 6 months.",
            "url": "https://www.qantasmoney.com/credit-cards/titanium",
            "citation": {
              "quote": "0% p.a. for 6 months. Reverts to Cash Advance rate after 6 months.",
              "url": "https://www.qantasmoney.com/credit-cards/titanium#:~:text=0%25%20p.a.%20for%206%20months.,Advance%20rate%20after%206%20months.",
              "document_sha256": "ad1bf874a55bb2309ea4cab0ad81fea3bdea62eff2c400f75180f03d71254019",
              "confirmed": "2026-11-12"
            }
          },
          "rate": {
            "text": "Retail Purchase Rate 20.99% p.a.",
            "url": "https://www.qantasmoney.com/credit-cards/titanium",
            "citation": {
              "quote": "Retail Purchase Rate 20.99% p.a.",
              "url": "https://www.qantasmoney.com/credit-cards/titanium#:~:text=Retail%20Purchase%20Rate%2020.99%25%20p.a.",
              "document_sha256": "ad1bf874a55bb2309ea4cab0ad81fea3bdea62eff2c400f75180f03d71254019",
              "confirmed": "2026-11-12"
            }
          },
          "annual_fee": {
            "text": "$1,200 per year",
            "url": "https://www.qantasmoney.com/credit-cards/titanium",
            "citation": {
              "quote": "$1,200 per year",
              "url": "https://www.qantasmoney.com/credit-cards/titanium#:~:text=%241%2C200%20per%20year",
              "document_sha256": "ad1bf874a55bb2309ea4cab0ad81fea3bdea62eff2c400f75180f03d71254019",
              "confirmed": "2026-11-12"
            }
          }
        },
        "verified": {
          "balance_transfer": "found",
          "rate": "found",
          "annual_fee": "found"
        }
      },
      "from_issuer_page": [
        {
          "source": "correction",
          "fields": [
            "bt_promo_rate_pct",
            "bt_promo_months",
            "bt_revert_rate_pct"
          ],
          "confirmed": "2026-11-12",
          "url": "https://www.qantasmoney.com/credit-cards/titanium#:~:text=0%25%20p.a.%20for%206%20months.,Advance%20rate%20after%206%20months.",
          "quote": "0% p.a. for 6 months. Reverts to Cash Advance rate after 6 months."
        }
      ],
      "rate_pct": 20.99,
      "rankings": []
    }
  ],
  "licence_shared_with": [
    "Coles Credit Cards",
    "Kogan Money Credit Cards",
    "MyCard",
    "NAB",
    "UBank"
  ]
}