{
  "brand": "Qudos Bank",
  "brand_label": "Qudos Bank",
  "brand_slug": "qudos-bank",
  "legal_entity_abn": "21087651607",
  "public_base_uri": "https://public.cdr.qudosbank.com.au",
  "logo_uri": "https://cdn.prod.website-files.com/663aabca709a328fd2c0ea2e/663b1305def411e0460bafb4_logo-60.svg",
  "status": "ok",
  "stale": false,
  "bank_last_updated": "2026-10-31T21:58:08Z",
  "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":25,"of":52,"product_label":"Lifestyle","card_type":"credit","purchase_rate_pct":12.34,"annual_fee":0.0,"fee_period":"annual","annual_fee_stated":true,"interest_free_days":null,"min_credit_limit":1000.0,"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":["existing_customers"],"record_stale":false},
      {"segment":"personal","kind":"no_annual_fee","rank":4,"of":10,"product_label":"Lifestyle","card_type":"credit","purchase_rate_pct":12.34,"annual_fee":0.0,"fee_period":"annual","annual_fee_stated":true,"interest_free_days":null,"min_credit_limit":1000.0,"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":["existing_customers"],"record_stale":false},
      {"segment":"personal","kind":"rewards","rank":15,"of":27,"product_label":"VISA Platinum Credit Card","card_type":"credit","purchase_rate_pct":20.99,"annual_fee":189.0,"fee_period":"annual","annual_fee_stated":true,"interest_free_days":55,"min_credit_limit":6000.0,"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":"Qantas Frequent Flyer","conditions":"k2","restrictions":["limited_eligibility"],"record_stale":false}
    ],
    "condition_sets": {
      "k1": [
        "corrected from the bank's own page: 12.34% and no annual fee, per the Key Facts Sheet on the bank's rates page effective 1 November 2026 (a footnote on the card page gives 12.84%, which the sheet does not); the 4.99% introductory rate on purchases and balance transfers ended for new applications on 1 November 2026",
        "credit limit $1,000 to $20,000",
        "existing Qudos Bank customers only; new customers are sent to Bank Australia"
      ],
      "k2": [
        "credit limit $6,000 to $20,000",
        "existing Qudos Bank customers only; new customers are sent to Bank Australia",
        "Qantas Points capped at 5,000 a calendar month",
        "0.75 Qantas Point per $1 on the first $3,000 a month, 0.35 above that"
      ]
    },
    "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": "9be8ebbe-7ed3-4ae2-bc1e-c794f5730339",
      "product_name": "Lifestyle",
      "product_label": "Lifestyle",
      "product_slug": "lifestyle",
      "page": "/au/finance/credit-cards/cards/qudos-bank/lifestyle/",
      "product_url": "https://www.qudosbank.com.au/products/credit-cards/lifestyle-credit-card",
      "terms_url": "https://www.qudosbank.com.au/reusable-documents/terms-and-conditions/credit-card-terms-and-conditions/",
      "fees_url": "https://www.qudosbank.com.au/products/credit-cards/lifestyle-credit-card",
      "eligibility_url": "https://www.qudosbank.com.au/products/credit-cards/lifestyle-credit-card",
      "card_type": "credit",
      "scheme": "visa",
      "tier": null,
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "description": "If you're after a low rate with no annual fee, the Lifestyle Credit Card may be the everyday credit card for you.",
      "purchase_rate_pct": 12.34,
      "purchase_rate_is_base": null,
      "no_interest_card": null,
      "purchase_rate_range_pct": null,
      "purchase_rate_note": "Standard rate",
      "cash_advance_rate_pct": 12.34,
      "intro_purchase_rate_pct": null,
      "intro_purchase_months": null,
      "interest_free_days": null,
      "annual_fee": 0.0,
      "fee_period": "annual",
      "fee_as_stated": 0.0,
      "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": null,
      "cash_advance_fee": 3.5,
      "late_payment_fee": 0.0,
      "additional_cardholder_fee": 0.0,
      "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": 1,
      "additional_cards_offered": true,
      "min_credit_limit": 1000.0,
      "max_credit_limit": 20000.0,
      "min_income": null,
      "min_age": 18,
      "restrictions": [
        "existing_customers"
      ],
      "who_can_open": {
        "restricted": true,
        "groups": [
          {
            "kind": "existing_customers",
            "who": "existing Qudos Bank customers only; new customers are sent to Bank Australia",
            "level": "product",
            "quote": "If you’re a new customer, select ‘I’m a new customer’ to view Bank Australia credit cards on the Bank Australia website.",
            "source": "https://www.qudosbank.com.au/products/credit-cards/lifestyle-credit-card",
            "citation": {
              "quote": "If you’re a new customer, select ‘I’m a new customer’ to view Bank Australia credit cards on the Bank Australia website.",
              "url": "https://www.qudosbank.com.au/products/credit-cards/lifestyle-credit-card#:~:text=If%20you%E2%80%99re%20a%20new%20customer%2C,on%20the%20Bank%20Australia%20website.",
              "document_sha256": "82350477979cd81bf65b313efd1ec43b7ac9a5b7ec94446d775782fd24240683",
              "confirmed": "2026-11-12"
            }
          }
        ],
        "open_note": null
      },
      "conditions": [
        "corrected from the bank's own page: 12.34% and no annual fee, per the Key Facts Sheet on the bank's rates page effective 1 November 2026 (a footnote on the card page gives 12.84%, which the sheet does not); the 4.99% introductory rate on purchases and balance transfers ended for new applications on 1 November 2026",
        "credit limit $1,000 to $20,000",
        "existing Qudos Bank customers only; new customers are sent to Bank Australia"
      ],
      "eligibility": [],
      "ranked": true,
      "unranked_reason": null,
      "rankings": [
        {
          "segment": "personal",
          "kind": "low_rate",
          "rank": 25,
          "of": 52,
          "hidden_by_default": null
        },
        {
          "segment": "personal",
          "kind": "no_annual_fee",
          "rank": 4,
          "of": 10,
          "hidden_by_default": null
        }
      ],
      "source_kind": "feed",
      "record_stale": false,
      "source_url": "https://public.cdr.qudosbank.com.au/cds-au/v1/banking/products/9be8ebbe-7ed3-4ae2-bc1e-c794f5730339",
      "source_snapshot": "/au/finance/credit-cards/v1/source/qudos-bank/9be8ebbe-7ed3-4ae2-bc1e-c794f5730339.json",
      "snapshot_at": "2026-10-24T09:58:07Z",
      "bank_last_updated": "2026-02-27T04:23:05.801Z",
      "document_links_source": {
        "terms_url": "found by hand 2026-11-01: terms and conditions"
      },
      "correction": {
        "checked": "2026-11-01",
        "note": "12.34% and no annual fee, per the Key Facts Sheet on the bank's rates page effective 1 November 2026 (a footnote on the card page gives 12.84%, which the sheet does not); the 4.99% introductory rate on purchases and balance transfers ended for new applications on 1 November 2026",
        "fields": [
          "balance_transfer",
          "intro_purchase_months",
          "intro_purchase_rate_pct",
          "conditions"
        ],
        "quotes": {
          "effective_date": {
            "text": "Effective 1 November 2026",
            "url": "https://www.qudosbank.com.au/products/rates/credit-cards-rates",
            "citation": {
              "quote": "Effective 1 November 2026",
              "url": "https://www.qudosbank.com.au/products/rates/credit-cards-rates#:~:text=Effective%201%20November%202026",
              "document_sha256": "f9ffd4f9bbfdefc4efe8ec80ecafd10056c9cf68d8798fa27525e19e4d0dff06",
              "confirmed": "2026-11-12"
            }
          },
          "rate": {
            "text": "Interest on purchases 20.99 19.74 12.34",
            "url": "https://www.qudosbank.com.au/products/rates/credit-cards-rates",
            "citation": {
              "quote": "Interest on purchases 20.99 19.74 12.34",
              "url": "https://www.qudosbank.com.au/products/rates/credit-cards-rates#:~:text=Interest%20on%20purchases%2020.99%2019.74%2012.34",
              "document_sha256": "f9ffd4f9bbfdefc4efe8ec80ecafd10056c9cf68d8798fa27525e19e4d0dff06",
              "confirmed": "2026-11-12"
            }
          },
          "intro_ended": {
            "text": "From 1 November 2026, the introductory interest rate of 4.99% p.a. for the first 5 months will no longer be available for new Qudos Bank credit card applications.",
            "url": "https://www.qudosbank.com.au/credit-card-updates",
            "citation": {
              "quote": "From 1 November 2026, the introductory interest rate of 4.99% p.a. for the first 5 months will no longer be available for new Qudos Bank credit card applications.",
              "url": "https://www.qudosbank.com.au/credit-card-updates#:~:text=From%201%20November%202026%2C%20the,Qudos%20Bank%20credit%20card%20applications.",
              "document_sha256": "f68255c5e06fa836c602634590ee51b50049c2bd74330e3115357572d092bb00",
              "confirmed": "2026-11-12"
            }
          }
        },
        "verified": {
          "effective_date": "found",
          "rate": "found",
          "intro_ended": "found"
        }
      },
      "from_issuer_page": [
        {
          "source": "correction",
          "fields": [
            "intro_purchase_rate_pct",
            "intro_purchase_months",
            "bt_promo_rate_pct",
            "bt_promo_months",
            "bt_fee_pct",
            "bt_revert_rate_pct"
          ],
          "confirmed": "2026-11-12",
          "url": "https://www.qudosbank.com.au/credit-card-updates#:~:text=From%201%20November%202026%2C%20the,Qudos%20Bank%20credit%20card%20applications.",
          "quote": "From 1 November 2026, the introductory interest rate of 4.99% p.a. for the first 5 months will no longer be available for new Qudos Bank credit card applications."
        },
        {
          "source": "watched_term",
          "fields": [
            "restrictions"
          ],
          "confirmed": "2026-11-12",
          "url": "https://www.qudosbank.com.au/products/credit-cards/lifestyle-credit-card#:~:text=If%20you%E2%80%99re%20a%20new%20customer%2C,on%20the%20Bank%20Australia%20website.",
          "quote": "If you’re a new customer, select ‘I’m a new customer’ to view Bank Australia credit cards on the Bank Australia website."
        }
      ]
    },
    {
      "product_id": "79cd516c-e420-421b-b6c9-3a98ee95fe63",
      "product_name": "Lifestyle Plus",
      "product_label": "Lifestyle Plus",
      "product_slug": "lifestyle-plus",
      "page": "/au/finance/credit-cards/cards/qudos-bank/lifestyle-plus/",
      "product_url": "https://www.qudosbank.com.au/products/credit-cards/lifestyle-plus-credit-card",
      "terms_url": "https://www.qudosbank.com.au/reusable-documents/terms-and-conditions/credit-card-terms-and-conditions/",
      "fees_url": "https://www.qudosbank.com.au/products/credit-cards/lifestyle-plus-credit-card",
      "eligibility_url": "https://www.qudosbank.com.au/products/credit-cards/lifestyle-plus-credit-card",
      "card_type": "credit",
      "scheme": "visa",
      "tier": null,
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "description": "If you're looking for more freedom in your credit card, our low rate and no annual fee Visa Lifestyle Plus credit card may be for you.",
      "purchase_rate_pct": 19.74,
      "purchase_rate_is_base": null,
      "no_interest_card": null,
      "purchase_rate_range_pct": null,
      "purchase_rate_note": null,
      "cash_advance_rate_pct": 19.74,
      "intro_purchase_rate_pct": null,
      "intro_purchase_months": null,
      "interest_free_days": 55,
      "annual_fee": 0.0,
      "fee_period": "annual",
      "fee_as_stated": 0.0,
      "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": null,
      "cash_advance_fee": 3.5,
      "late_payment_fee": 0.0,
      "additional_cardholder_fee": 0.0,
      "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": 1,
      "additional_cards_offered": true,
      "min_credit_limit": 1000.0,
      "max_credit_limit": 20000.0,
      "min_income": null,
      "min_age": 18,
      "restrictions": [
        "limited_eligibility"
      ],
      "who_can_open": {
        "restricted": false,
        "groups": [],
        "open_note": null
      },
      "conditions": [
        "corrected from the bank's own page: up to 55 interest-free days, per the bank's card page and its Key Facts Sheet effective 1 November 2026; the feed says 46. 19.74% matches that sheet (a footnote on the page gives 16.35% as the standard rate, which the sheet does not)",
        "credit limit $1,000 to $20,000",
        "existing Qudos Bank customers only; new customers are sent to Bank Australia",
        "up to 55 interest-free days (the feed says 46)",
        "$0 annual fee and $0 for an additional cardholder"
      ],
      "eligibility": [],
      "ranked": true,
      "unranked_reason": null,
      "rankings": [],
      "source_kind": "feed",
      "record_stale": false,
      "source_url": "https://public.cdr.qudosbank.com.au/cds-au/v1/banking/products/79cd516c-e420-421b-b6c9-3a98ee95fe63",
      "source_snapshot": "/au/finance/credit-cards/v1/source/qudos-bank/79cd516c-e420-421b-b6c9-3a98ee95fe63.json",
      "snapshot_at": "2026-10-31T23:19:02Z",
      "bank_last_updated": "2026-10-31T21:00:25.904Z",
      "document_links_source": {
        "terms_url": "found by hand 2026-11-01: terms and conditions"
      },
      "correction": {
        "checked": "2026-11-01",
        "note": "up to 55 interest-free days, per the bank's card page and its Key Facts Sheet effective 1 November 2026; the feed says 46. 19.74% matches that sheet (a footnote on the page gives 16.35% as the standard rate, which the sheet does not)",
        "fields": [
          "interest_free_days"
        ],
        "quotes": {
          "interest_free": {
            "text": "Up to 55 interest free days",
            "url": "https://www.qudosbank.com.au/products/credit-cards/lifestyle-plus-credit-card",
            "citation": {
              "quote": "Up to 55 interest free days",
              "url": "https://www.qudosbank.com.au/products/credit-cards/lifestyle-plus-credit-card#:~:text=Up%20to%2055%20interest%20free%20days",
              "document_sha256": "01b88e96b9600818afd2ca96e3d31d6a51e813b8c543e7aca7ff480a53b3af3a",
              "confirmed": "2026-11-12"
            }
          }
        },
        "verified": {
          "interest_free": "found"
        }
      },
      "from_issuer_page": [
        {
          "source": "correction",
          "fields": [
            "interest_free_days"
          ],
          "confirmed": "2026-11-12",
          "url": "https://www.qudosbank.com.au/products/credit-cards/lifestyle-plus-credit-card#:~:text=Up%20to%2055%20interest%20free%20days",
          "quote": "Up to 55 interest free days"
        },
        {
          "source": "watched_term",
          "fields": [
            "restrictions"
          ],
          "confirmed": "2026-11-12",
          "url": "https://www.qudosbank.com.au/products/credit-cards/lifestyle-plus-credit-card#:~:text=If%20you%E2%80%99re%20a%20new%20customer%2C,on%20the%20Bank%20Australia%20website.",
          "quote": "If you’re a new customer, select ‘I’m a new customer’ to view Bank Australia credit cards on the Bank Australia website."
        }
      ]
    },
    {
      "product_id": "9a6f5620-e93c-4e0c-bc23-d7f979b97f69",
      "product_name": "VISA Platinum Credit Card",
      "product_label": "VISA Platinum Credit Card",
      "product_slug": "visa-platinum-credit-card",
      "page": "/au/finance/credit-cards/cards/qudos-bank/visa-platinum-credit-card/",
      "product_url": "https://www.qudosbank.com.au/products/credit-cards/visa-platinum-credit-card",
      "terms_url": "https://www.qudosbank.com.au/reusable-documents/terms-and-conditions/credit-card-terms-and-conditions/",
      "fees_url": "https://www.qudosbank.com.au/products/credit-cards/visa-platinum-credit-card",
      "eligibility_url": "https://www.qudosbank.com.au/products/credit-cards/visa-platinum-credit-card",
      "card_type": "credit",
      "scheme": "visa",
      "tier": "platinum",
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "description": "Earn Qantas Points* on your everyday purchases and enjoy a host of other exceptional features with our Visa Platinum Credit Card.",
      "purchase_rate_pct": 20.99,
      "purchase_rate_is_base": null,
      "no_interest_card": null,
      "purchase_rate_range_pct": null,
      "purchase_rate_note": "Standard rate",
      "cash_advance_rate_pct": 20.99,
      "intro_purchase_rate_pct": null,
      "intro_purchase_months": null,
      "interest_free_days": 55,
      "annual_fee": 189.0,
      "fee_period": "annual",
      "fee_as_stated": 189.0,
      "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": null,
      "cash_advance_fee": 5.0,
      "late_payment_fee": 0.0,
      "additional_cardholder_fee": 0.0,
      "balance_transfer": null,
      "rewards_program": "Qantas Frequent Flyer",
      "rewards_programs": [
        "Qantas Frequent Flyer"
      ],
      "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": null,
      "min_credit_limit": 6000.0,
      "max_credit_limit": 20000.0,
      "min_income": null,
      "min_age": 18,
      "restrictions": [
        "limited_eligibility"
      ],
      "who_can_open": {
        "restricted": false,
        "groups": [],
        "open_note": null
      },
      "conditions": [
        "credit limit $6,000 to $20,000",
        "existing Qudos Bank customers only; new customers are sent to Bank Australia",
        "Qantas Points capped at 5,000 a calendar month",
        "0.75 Qantas Point per $1 on the first $3,000 a month, 0.35 above that"
      ],
      "eligibility": [],
      "ranked": true,
      "unranked_reason": null,
      "rankings": [
        {
          "segment": "personal",
          "kind": "rewards",
          "rank": 15,
          "of": 27,
          "hidden_by_default": true
        }
      ],
      "source_kind": "feed",
      "record_stale": false,
      "source_url": "https://public.cdr.qudosbank.com.au/cds-au/v1/banking/products/9a6f5620-e93c-4e0c-bc23-d7f979b97f69",
      "source_snapshot": "/au/finance/credit-cards/v1/source/qudos-bank/9a6f5620-e93c-4e0c-bc23-d7f979b97f69.json",
      "snapshot_at": "2026-10-31T23:19:02Z",
      "bank_last_updated": "2026-10-31T21:58:08.869Z",
      "document_links_source": {
        "terms_url": "found by hand 2026-11-01: terms and conditions"
      },
      "from_issuer_page": [
        {
          "source": "watched_term",
          "fields": [
            "restrictions"
          ],
          "confirmed": "2026-11-12",
          "url": "https://www.qudosbank.com.au/products/credit-cards/visa-platinum-credit-card#:~:text=If%20you%E2%80%99re%20a%20new%20customer%2C,on%20the%20Bank%20Australia%20website.",
          "quote": "If you’re a new customer, select ‘I’m a new customer’ to view Bank Australia credit cards on the Bank Australia website."
        }
      ]
    }
  ],
  "rows": [
    {
      "brand": "Qudos Bank",
      "brand_label": "Qudos Bank",
      "brand_slug": "qudos-bank",
      "legal_entity_abn": "21087651607",
      "product_id": "9be8ebbe-7ed3-4ae2-bc1e-c794f5730339",
      "product_name": "Lifestyle",
      "product_label": "Lifestyle",
      "product_slug": "lifestyle",
      "page": "/au/finance/credit-cards/cards/qudos-bank/lifestyle/",
      "product_url": "https://www.qudosbank.com.au/products/credit-cards/lifestyle-credit-card",
      "terms_url": "https://www.qudosbank.com.au/reusable-documents/terms-and-conditions/credit-card-terms-and-conditions/",
      "fees_url": "https://www.qudosbank.com.au/products/credit-cards/lifestyle-credit-card",
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          "url": "https://www.qudosbank.com.au/products/credit-cards/visa-platinum-credit-card#:~:text=If%20you%E2%80%99re%20a%20new%20customer%2C,on%20the%20Bank%20Australia%20website.",
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}