{
  "brand": "Regional Australia Bank",
  "brand_label": "Regional Australia Bank",
  "brand_slug": "regional-australia-bank",
  "legal_entity_abn": "21087650360",
  "public_base_uri": "https://public-data.cdr.regaustbank.io",
  "logo_uri": "https://www.regionalaustraliabank.com.au/getcontentasset/ac992c94-0e8c-4439-be38-0028dc45c133/3beffb48-3dfa-48f3-8905-aded8557907a/regional-australia-bank-primary-logo.png?language=en",
  "status": "ok",
  "stale": false,
  "bank_last_updated": "2026-06-29T04:05:39Z",
  "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":46,"of":52,"product_label":"Your Choice Visa Credit Card","card_type":"credit","purchase_rate_pct":14.69,"annual_fee":40.0,"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":null,"conditions":"k1","restrictions":[],"record_stale":false}
    ],
    "condition_sets": {
      "k1": [
        "As a customer-owned bank, customers must also become a shareholder of Regional Australia Bank to be eligible to open an account.",
        "Product is available to approved borrowers only. Terms, conditions, fees, charges and normal lending criteria apply.",
        "employment status: Borrowers must demonstrate at least 6 months continuing employment history at the time of application: Ongoing Employment"
      ]
    },
    "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": "8d097100-9251-4174-a9e5-8af00812ca87",
      "product_name": "Your Choice Visa Credit Card",
      "product_label": "Your Choice Visa Credit Card",
      "product_slug": "your-choice-visa-credit-card",
      "page": "/au/finance/credit-cards/cards/regional-australia-bank/your-choice-visa-credit-card/",
      "product_url": "https://www.regionalaustraliabank.com.au/personal/products/credit-cards/your-choice-credit-card",
      "terms_url": "https://www.regionalaustraliabank.com.au/about-us/corporate-documents/product-terms-and-conditions",
      "fees_url": "https://www.regionalaustraliabank.com.au/personal/products/credit-cards/your-choice-credit-card",
      "eligibility_url": "https://www.regionalaustraliabank.com.au/personal/products/credit-cards/your-choice-credit-card",
      "card_type": "credit",
      "scheme": "visa",
      "tier": null,
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "description": "Versatile and competitive no frills credit card with low rates, low annual fee and great discounts for home loan borrowers.",
      "purchase_rate_pct": 14.69,
      "purchase_rate_is_base": null,
      "no_interest_card": null,
      "purchase_rate_range_pct": null,
      "purchase_rate_note": "Interest is per annum (p.a.). For each purchase that a member makes they will receive an interest free period of up to 55 days. Each monthly statement will show a payment due date that is at least 24 days from the statement date. The member does not pay any interest on purchases on that statement u…",
      "cash_advance_rate_pct": 14.69,
      "intro_purchase_rate_pct": null,
      "intro_purchase_months": null,
      "interest_free_days": 55,
      "annual_fee": 40.0,
      "fee_period": "annual",
      "fee_as_stated": 40.0,
      "annual_fee_stated": true,
      "annual_fee_note": null,
      "fee_name": "Annual Fee ",
      "fee_offers": [
        "Partnership Advantage Package"
      ],
      "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": null,
      "late_payment_fee": null,
      "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",
        "Samsung Pay",
        "Google 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": 18,
      "restrictions": [],
      "who_can_open": {
        "restricted": false,
        "groups": [],
        "open_note": null
      },
      "conditions": [
        "As a customer-owned bank, customers must also become a shareholder of Regional Australia Bank to be eligible to open an account.",
        "Product is available to approved borrowers only. Terms, conditions, fees, charges and normal lending criteria apply.",
        "employment status: Borrowers must demonstrate at least 6 months continuing employment history at the time of application: Ongoing Employment"
      ],
      "eligibility": [
        "As a customer-owned bank, customers must also become a shareholder of Regional Australia Bank to be eligible to open an account.",
        "Product is available to approved borrowers only. Terms, conditions, fees, charges and normal lending criteria apply.",
        "employment status: Borrowers must demonstrate at least 6 months continuing employment history at the time of application: Ongoing Employment"
      ],
      "ranked": true,
      "unranked_reason": null,
      "rankings": [
        {
          "segment": "personal",
          "kind": "low_rate",
          "rank": 46,
          "of": 52,
          "hidden_by_default": null
        }
      ],
      "source_kind": "feed",
      "record_stale": false,
      "source_url": "https://public-data.cdr.regaustbank.io/cds-au/v1/banking/products/8d097100-9251-4174-a9e5-8af00812ca87",
      "source_snapshot": "/au/finance/credit-cards/v1/source/regional-australia-bank/8d097100-9251-4174-a9e5-8af00812ca87.json",
      "snapshot_at": "2026-11-10T03:20:13Z",
      "bank_last_updated": "2026-06-29T04:05:39.586605Z",
      "from_issuer_page": null
    }
  ],
  "rows": [
    {
      "brand": "Regional Australia Bank",
      "brand_label": "Regional Australia Bank",
      "brand_slug": "regional-australia-bank",
      "legal_entity_abn": "21087650360",
      "product_id": "8d097100-9251-4174-a9e5-8af00812ca87",
      "product_name": "Your Choice Visa Credit Card",
      "product_label": "Your Choice Visa Credit Card",
      "product_slug": "your-choice-visa-credit-card",
      "page": "/au/finance/credit-cards/cards/regional-australia-bank/your-choice-visa-credit-card/",
      "product_url": "https://www.regionalaustraliabank.com.au/personal/products/credit-cards/your-choice-credit-card",
      "terms_url": "https://www.regionalaustraliabank.com.au/about-us/corporate-documents/product-terms-and-conditions",
      "fees_url": "https://www.regionalaustraliabank.com.au/personal/products/credit-cards/your-choice-credit-card",
      "eligibility_url": "https://www.regionalaustraliabank.com.au/personal/products/credit-cards/your-choice-credit-card",
      "card_type": "credit",
      "scheme": "visa",
      "tier": null,
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "purchase_rate_pct": 14.69,
      "purchase_rate_is_base": null,
      "no_interest_card": null,
      "purchase_rate_range_pct": null,
      "cash_advance_rate_pct": 14.69,
      "intro_purchase_rate_pct": null,
      "intro_purchase_months": null,
      "interest_free_days": 55,
      "annual_fee": 40.0,
      "fee_period": "annual",
      "fee_as_stated": 40.0,
      "annual_fee_stated": true,
      "annual_fee_note": null,
      "fee_name": "Annual Fee ",
      "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": null,
      "late_payment_fee": null,
      "additional_cardholder_fee": 0.0,
      "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",
        "Samsung Pay",
        "Google 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": 18,
      "restrictions": [],
      "who_can_open": {
        "restricted": false,
        "groups": [],
        "open_note": null
      },
      "conditions": [
        "As a customer-owned bank, customers must also become a shareholder of Regional Australia Bank to be eligible to open an account.",
        "Product is available to approved borrowers only. Terms, conditions, fees, charges and normal lending criteria apply.",
        "employment status: Borrowers must demonstrate at least 6 months continuing employment history at the time of application: Ongoing Employment"
      ],
      "ranked": true,
      "unranked_reason": null,
      "source_kind": "feed",
      "record_stale": false,
      "source_url": "https://public-data.cdr.regaustbank.io/cds-au/v1/banking/products/8d097100-9251-4174-a9e5-8af00812ca87",
      "source_snapshot": "/au/finance/credit-cards/v1/source/regional-australia-bank/8d097100-9251-4174-a9e5-8af00812ca87.json",
      "snapshot_at": "2026-11-12T02:36:03Z",
      "bank_last_updated": "2026-06-29T04:05:39.586605Z",
      "from_issuer_page": null,
      "rate_pct": 14.69,
      "rankings": [
        {
          "segment": "personal",
          "kind": "low_rate",
          "rank": 46,
          "of": 52,
          "hidden_by_default": null
        }
      ]
    }
  ],
  "licence_shared_with": [
    "Summerland Bank",
    "Thriday"
  ]
}