{
  "brand": "Queensland Country Bank",
  "brand_label": "Queensland Country Bank",
  "brand_slug": "queensland-country-bank",
  "legal_entity_abn": "77087651027",
  "public_base_uri": "https://public.cdr-api.queenslandcountry.bank",
  "logo_uri": "https://www.queenslandcountry.bank/siteassets/images/logo-bank/qcb-logo.png",
  "status": "ok",
  "stale": false,
  "bank_last_updated": "2026-11-12T02:00:23Z",
  "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":47,"of":52,"product_label":"Visa Credit","card_type":"credit","purchase_rate_pct":14.99,"annual_fee":39.0,"fee_period":"annual","annual_fee_stated":true,"interest_free_days":55,"min_credit_limit":500.0,"max_credit_limit":60000.0,"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":13,"of":13,"product_label":"Visa Business My Rewards","card_type":"credit","purchase_rate_pct":14.99,"annual_fee":85.0,"fee_period":"annual","annual_fee_stated":true,"interest_free_days":55,"min_credit_limit":500.0,"max_credit_limit":null,"bt_promo_rate_pct":null,"bt_promo_months":null,"bt_fee_pct":null,"bt_revert_rate_pct":null,"rewards_program":"An automatic inclusion to our rewards program that gives you the choice of where to spend…","conditions":"k2","restrictions":[],"record_stale":false},
      {"segment":"business","kind":"rewards","rank":1,"of":9,"product_label":"Visa Business My Rewards","card_type":"credit","purchase_rate_pct":14.99,"annual_fee":85.0,"fee_period":"annual","annual_fee_stated":true,"interest_free_days":55,"min_credit_limit":500.0,"max_credit_limit":null,"bt_promo_rate_pct":null,"bt_promo_months":null,"bt_fee_pct":null,"bt_revert_rate_pct":null,"rewards_program":"An automatic inclusion to our rewards program that gives you the choice of where to spend…","conditions":"k2","restrictions":[],"record_stale":false}
    ],
    "condition_sets": {
      "k1": [
        "credit limit $500 to $60,000"
      ],
      "k2": [
        "for businesses; sole traders need an ABN",
        "$1 cash back per $150 of eligible spend, capped at $140 a month ($1,680 a year)"
      ]
    },
    "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": "19",
      "product_name": "Visa Business My Rewards",
      "product_label": "Visa Business My Rewards",
      "product_slug": "visa-business-my-rewards",
      "page": "/au/finance/credit-cards/cards/queensland-country-bank/visa-business-my-rewards/",
      "product_url": "https://www.queenslandcountry.bank/business-banking/business-finance/business-visa-credit-card/",
      "terms_url": "https://www.queenslandcountry.bank/siteassets/documents/brochures/brochure_account-access-facility.pdf",
      "fees_url": "https://www.queenslandcountry.bank/siteassets/documents/brochures/brochure_fees-charges.pdf",
      "eligibility_url": null,
      "card_type": "credit",
      "scheme": "visa",
      "tier": null,
      "segments": [
        "business"
      ],
      "segment": "business",
      "description": "Our Business Visa Credit Card comes with a competitive low interest rate, low annual fee and up to 55 days interest free on purchases and BPAY if you pay your card in full by the due date, and is linked to our free rewards program, Business Rewarder",
      "purchase_rate_pct": 14.99,
      "purchase_rate_is_base": null,
      "no_interest_card": null,
      "purchase_rate_range_pct": null,
      "purchase_rate_note": null,
      "cash_advance_rate_pct": 14.99,
      "intro_purchase_rate_pct": null,
      "intro_purchase_months": null,
      "interest_free_days": 55,
      "annual_fee": 85.0,
      "fee_period": "annual",
      "fee_as_stated": 85.0,
      "annual_fee_stated": true,
      "annual_fee_note": null,
      "fee_name": "Business Visa Annual Fee",
      "fee_offers": [
        "A business or other non-person legal entity"
      ],
      "first_year_fee_waived": false,
      "fee_waived_for_group": null,
      "foreign_transaction_fee_pct": 3.65,
      "foreign_transaction_fee": null,
      "cash_advance_fee_pct": null,
      "cash_advance_fee": null,
      "late_payment_fee": null,
      "additional_cardholder_fee": null,
      "balance_transfer": null,
      "rewards_program": "An automatic inclusion to our rewards program that gives you the choice of where to spend…",
      "rewards_programs": [
        "An automatic inclusion to our rewards program that gives you the choice of where to spend…"
      ],
      "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": 500.0,
      "max_credit_limit": null,
      "min_income": null,
      "min_age": null,
      "restrictions": [],
      "who_can_open": {
        "restricted": false,
        "groups": [],
        "open_note": null
      },
      "conditions": [
        "for businesses; sole traders need an ABN",
        "$1 cash back per $150 of eligible spend, capped at $140 a month ($1,680 a year)"
      ],
      "eligibility": [],
      "ranked": true,
      "unranked_reason": null,
      "rankings": [
        {
          "segment": "business",
          "kind": "low_rate",
          "rank": 13,
          "of": 13,
          "hidden_by_default": null
        },
        {
          "segment": "business",
          "kind": "rewards",
          "rank": 1,
          "of": 9,
          "hidden_by_default": null
        }
      ],
      "source_kind": "feed",
      "record_stale": false,
      "source_url": "https://public.cdr-api.queenslandcountry.bank/cds-au/v1/banking/products/19",
      "source_snapshot": "/au/finance/credit-cards/v1/source/queensland-country-bank/19.json",
      "snapshot_at": "2026-11-12T02:36:02Z",
      "bank_last_updated": "2026-11-12T02:00:23.5726091Z",
      "from_issuer_page": null
    },
    {
      "product_id": "13",
      "product_name": "Visa Credit",
      "product_label": "Visa Credit",
      "product_slug": "visa-credit",
      "page": "/au/finance/credit-cards/cards/queensland-country-bank/visa-credit/",
      "product_url": "https://www.queenslandcountry.bank/Banking/credit-cards/Visa-My-Rewards-Credit-Card/",
      "terms_url": "https://www.queenslandcountry.bank/siteassets/documents/brochures/brochure_account-access-facility.pdf",
      "fees_url": "https://www.queenslandcountry.bank/siteassets/documents/brochures/brochure_fees-charges.pdf",
      "eligibility_url": null,
      "card_type": "credit",
      "scheme": "visa",
      "tier": null,
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "description": "Our Visa Credit Card comes with a competitive low interest rate, low annual fee and up to 55 days interest free on purchases and BPAY if you pay your card in full by the due date",
      "purchase_rate_pct": 14.99,
      "purchase_rate_is_base": null,
      "no_interest_card": null,
      "purchase_rate_range_pct": null,
      "purchase_rate_note": null,
      "cash_advance_rate_pct": 14.99,
      "intro_purchase_rate_pct": null,
      "intro_purchase_months": null,
      "interest_free_days": 55,
      "annual_fee": 39.0,
      "fee_period": "annual",
      "fee_as_stated": 39.0,
      "annual_fee_stated": true,
      "annual_fee_note": null,
      "fee_name": "Visa Annual Fee",
      "fee_offers": [
        "Another eligibility criteria exists as described in the additionalInfo field"
      ],
      "first_year_fee_waived": false,
      "fee_waived_for_group": null,
      "foreign_transaction_fee_pct": 3.65,
      "foreign_transaction_fee": null,
      "cash_advance_fee_pct": null,
      "cash_advance_fee": null,
      "late_payment_fee": null,
      "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": 500.0,
      "max_credit_limit": 60000.0,
      "min_income": null,
      "min_age": 18,
      "restrictions": [],
      "who_can_open": {
        "restricted": false,
        "groups": [],
        "open_note": null
      },
      "conditions": [
        "credit limit $500 to $60,000"
      ],
      "eligibility": [],
      "ranked": true,
      "unranked_reason": null,
      "rankings": [
        {
          "segment": "personal",
          "kind": "low_rate",
          "rank": 47,
          "of": 52,
          "hidden_by_default": null
        }
      ],
      "source_kind": "feed",
      "record_stale": false,
      "source_url": "https://public.cdr-api.queenslandcountry.bank/cds-au/v1/banking/products/13",
      "source_snapshot": "/au/finance/credit-cards/v1/source/queensland-country-bank/13.json",
      "snapshot_at": "2026-11-12T02:36:02Z",
      "bank_last_updated": "2026-11-12T02:00:23.5726091Z",
      "key_facts_sheet_url": "https://delivery2.widgetworks.com.au/assets/creditcard-kfs/qcb/QCB_CreditCardKeyFactsSheet.pdf",
      "document_links_source": {
        "key_facts_sheet_url": "found by hand 2026-11-01: Key Facts Sheet"
      },
      "from_issuer_page": null
    },
    {
      "product_id": "55",
      "product_name": "Visa Credit My Rewards",
      "product_label": "Visa Credit My Rewards",
      "product_slug": "visa-credit-my-rewards",
      "page": "/au/finance/credit-cards/cards/queensland-country-bank/visa-credit-my-rewards/",
      "product_url": "https://www.queenslandcountry.bank/Banking/credit-cards/Visa-My-Rewards-Credit-Card/",
      "terms_url": "https://www.queenslandcountry.bank/siteassets/documents/brochures/brochure_account-access-facility.pdf",
      "fees_url": "https://www.queenslandcountry.bank/siteassets/documents/brochures/brochure_fees-charges.pdf",
      "eligibility_url": null,
      "card_type": "credit",
      "scheme": "visa",
      "tier": null,
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "description": "Our Visa My Rewards Credit Card comes with a competitive low interest rate, rewards program, low annual fee and up to 55 days interest free on purchases and BPAY if you pay your card in full by the due date",
      "purchase_rate_pct": 14.99,
      "purchase_rate_is_base": null,
      "no_interest_card": null,
      "purchase_rate_range_pct": null,
      "purchase_rate_note": null,
      "cash_advance_rate_pct": 14.99,
      "intro_purchase_rate_pct": null,
      "intro_purchase_months": null,
      "interest_free_days": 55,
      "annual_fee": 89.0,
      "fee_period": "annual",
      "fee_as_stated": 89.0,
      "annual_fee_stated": true,
      "annual_fee_note": null,
      "fee_name": "Visa Annual Fee",
      "fee_offers": [
        "Annual Visa Card fee is waived under our Ultimate Home Loan Package"
      ],
      "first_year_fee_waived": false,
      "fee_waived_for_group": null,
      "foreign_transaction_fee_pct": 3.65,
      "foreign_transaction_fee": null,
      "cash_advance_fee_pct": null,
      "cash_advance_fee": null,
      "late_payment_fee": null,
      "additional_cardholder_fee": null,
      "balance_transfer": null,
      "rewards_program": null,
      "rewards_programs": [],
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      "cashback_offer": null,
      "insurances": [],
      "digital_wallets": [
        "Apple Pay",
        "Google Pay",
        "Samsung Pay"
      ],
      "instalment_plan": false,
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      "additional_cards_offered": true,
      "min_credit_limit": 500.0,
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      "min_income": null,
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      "restrictions": [],
      "who_can_open": {
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        "groups": [],
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      },
      "conditions": [
        "credit limit $500 to $60,000",
        "$1 cash back per $150 of eligible spend, capped at $70 a month ($840 a year)"
      ],
      "eligibility": [],
      "ranked": true,
      "unranked_reason": null,
      "rankings": [],
      "source_kind": "feed",
      "record_stale": false,
      "source_url": "https://public.cdr-api.queenslandcountry.bank/cds-au/v1/banking/products/55",
      "source_snapshot": "/au/finance/credit-cards/v1/source/queensland-country-bank/55.json",
      "snapshot_at": "2026-11-12T02:36:02Z",
      "bank_last_updated": "2026-11-12T02:00:23.5726091Z",
      "key_facts_sheet_url": "https://delivery2.widgetworks.com.au/assets/creditcard-kfs/qcb/QCB_CreditCardKeyFactsSheet.pdf",
      "document_links_source": {
        "key_facts_sheet_url": "found by hand 2026-11-01: Key Facts Sheet"
      },
      "from_issuer_page": null
    }
  ],
  "rows": [
    {
      "brand": "Queensland Country Bank",
      "brand_label": "Queensland Country Bank",
      "brand_slug": "queensland-country-bank",
      "legal_entity_abn": "77087651027",
      "product_id": "19",
      "product_name": "Visa Business My Rewards",
      "product_label": "Visa Business My Rewards",
      "product_slug": "visa-business-my-rewards",
      "page": "/au/finance/credit-cards/cards/queensland-country-bank/visa-business-my-rewards/",
      "product_url": "https://www.queenslandcountry.bank/business-banking/business-finance/business-visa-credit-card/",
      "terms_url": "https://www.queenslandcountry.bank/siteassets/documents/brochures/brochure_account-access-facility.pdf",
      "fees_url": "https://www.queenslandcountry.bank/siteassets/documents/brochures/brochure_fees-charges.pdf",
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      "card_type": "credit",
      "scheme": "visa",
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      "segments": [
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      "segment": "business",
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      "rewards_program": "An automatic inclusion to our rewards program that gives you the choice of where to spend…",
      "rewards_programs": [
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      ],
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        "Google Pay",
        "Samsung Pay"
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      ],
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      "record_stale": false,
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      "snapshot_at": "2026-11-12T02:36:02Z",
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        {
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        },
        {
          "segment": "business",
          "kind": "rewards",
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          "hidden_by_default": null
        }
      ]
    },
    {
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      "brand_label": "Queensland Country Bank",
      "brand_slug": "queensland-country-bank",
      "legal_entity_abn": "77087651027",
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      "product_name": "Visa Credit",
      "product_label": "Visa Credit",
      "product_slug": "visa-credit",
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      "product_url": "https://www.queenslandcountry.bank/Banking/credit-cards/Visa-My-Rewards-Credit-Card/",
      "terms_url": "https://www.queenslandcountry.bank/siteassets/documents/brochures/brochure_account-access-facility.pdf",
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      "annual_fee_stated": true,
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      "fee_name": "Visa Annual Fee",
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      "digital_wallets": [
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        "Google Pay",
        "Samsung Pay"
      ],
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      ],
      "ranked": true,
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      "source_kind": "feed",
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      "source_url": "https://public.cdr-api.queenslandcountry.bank/cds-au/v1/banking/products/13",
      "source_snapshot": "/au/finance/credit-cards/v1/source/queensland-country-bank/13.json",
      "snapshot_at": "2026-11-12T02:36:02Z",
      "bank_last_updated": "2026-11-12T02:00:23.5726091Z",
      "key_facts_sheet_url": "https://delivery2.widgetworks.com.au/assets/creditcard-kfs/qcb/QCB_CreditCardKeyFactsSheet.pdf",
      "document_links_source": {
        "key_facts_sheet_url": "found by hand 2026-11-01: Key Facts Sheet"
      },
      "from_issuer_page": null,
      "rate_pct": 14.99,
      "rankings": [
        {
          "segment": "personal",
          "kind": "low_rate",
          "rank": 47,
          "of": 52,
          "hidden_by_default": null
        }
      ]
    },
    {
      "brand": "Queensland Country Bank",
      "brand_label": "Queensland Country Bank",
      "brand_slug": "queensland-country-bank",
      "legal_entity_abn": "77087651027",
      "product_id": "55",
      "product_name": "Visa Credit My Rewards",
      "product_label": "Visa Credit My Rewards",
      "product_slug": "visa-credit-my-rewards",
      "page": "/au/finance/credit-cards/cards/queensland-country-bank/visa-credit-my-rewards/",
      "product_url": "https://www.queenslandcountry.bank/Banking/credit-cards/Visa-My-Rewards-Credit-Card/",
      "terms_url": "https://www.queenslandcountry.bank/siteassets/documents/brochures/brochure_account-access-facility.pdf",
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      "eligibility_url": null,
      "card_type": "credit",
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      ],
      "segment": "personal",
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      "snapshot_at": "2026-11-12T02:36:02Z",
      "bank_last_updated": "2026-11-12T02:00:23.5726091Z",
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}