{
  "brand": "RSL Money",
  "brand_label": "RSL Money",
  "brand_slug": "rsl-money",
  "legal_entity_abn": "48087649741",
  "public_base_uri": "https://public.open.rslmoney.com.au",
  "logo_uri": "https://www.rslmoney.com.au/sites/default/files/logo-rslmoney.gif",
  "status": "ok",
  "stale": false,
  "bank_last_updated": "2026-09-30T14:00:00Z",
  "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":28,"of":62,"product_label":"Low Rate Visa Credit Card","card_type":"credit","purchase_rate_pct":11.99,"annual_fee":49.0,"fee_period":"annual","annual_fee_stated":true,"interest_free_days":55,"min_credit_limit":2000.0,"max_credit_limit":50000.0,"bt_promo_rate_pct":0.0,"bt_promo_months":12,"bt_fee_pct":null,"bt_revert_rate_pct":19.99,"rewards_program":null,"conditions":"k1","restrictions":["occupation_membership"],"record_stale":false},
      {"segment":"personal","kind":"balance_transfer","rank":14,"of":29,"product_label":"Low Rate Visa Credit Card","card_type":"credit","purchase_rate_pct":11.99,"annual_fee":49.0,"fee_period":"annual","annual_fee_stated":true,"interest_free_days":55,"min_credit_limit":2000.0,"max_credit_limit":50000.0,"bt_promo_rate_pct":0.0,"bt_promo_months":12,"bt_fee_pct":null,"bt_revert_rate_pct":19.99,"rewards_program":null,"conditions":"k1","restrictions":["occupation_membership"],"record_stale":false}
    ],
    "condition_sets": {
      "k1": [
        "corrected from the bank's own page: 0% on balance transfers for 12 months, after which \"any remaining balance will be charged at the cash advance rate\" (19.99%), per the Key Facts Sheet (effective 1 October 2026); open to RSL members and their spouses, per the target market determination, not only Sub Branch members as the feed says",
        "credit limit $2,000 to $50,000",
        "employment status: Applicants must be currently employed or receiving a regular income.",
        "0% on balance transfers for 12 months from the transfer date, for new cards only",
        "minimum balance transfer $2,000",
        "$10 late payment fee",
        "$4.50 cash advance fee per ATM or cash out withdrawal or transfer; $4.50 overseas ATM withdrawals",
        "half the $49 annual fee is donated to RSL Australia",
        "for RSL members and their spouses only"
      ]
    },
    "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": "9d1bd433-1c09-47dd-8841-a68e1dc715d1",
      "product_name": "Low Rate Visa Credit Card",
      "product_label": "Low Rate Visa Credit Card",
      "product_slug": "low-rate-visa-credit-card",
      "page": "/au/finance/credit-cards/cards/rsl-money/low-rate-visa-credit-card/",
      "product_url": "https://www.rslmoney.com.au/credit-card/low-rate-visa-card",
      "terms_url": "https://rslmoney.com.au/api/documents/?theme=RSL&slug=low-rate-visa-credit-card-terms-and-conditions",
      "fees_url": "https://www.rslmoney.com.au/disclosuredocuments",
      "eligibility_url": "https://rslmoney.com.au/api/documents/?theme=RSL&slug=low-rate-visa-card-tmd",
      "card_type": "credit",
      "scheme": "visa",
      "tier": null,
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "description": "With a low annual fee and a low ongoing interest rate for purchases, the Low Rate Visa Credit Card is the only credit card you'll ever need. Plus, with our competitive 12-month balance transfer rate, you can also transfer your outstanding balances from other credit or store cards to RSL Money for 0…",
      "purchase_rate_pct": 11.99,
      "purchase_rate_is_base": null,
      "no_interest_card": null,
      "purchase_rate_range_pct": null,
      "purchase_rate_note": null,
      "cash_advance_rate_pct": 19.99,
      "intro_purchase_rate_pct": null,
      "intro_purchase_months": null,
      "interest_free_days": 55,
      "annual_fee": 49.0,
      "fee_period": "annual",
      "fee_as_stated": 49.0,
      "annual_fee_stated": true,
      "annual_fee_note": null,
      "fee_name": "Annual fee - credit card",
      "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": null,
      "late_payment_fee": null,
      "additional_cardholder_fee": null,
      "balance_transfer": {
        "promo_rate_pct": 0.0,
        "promo_months": 12,
        "fee_pct": null,
        "revert_rate_pct": 19.99,
        "revert_to": "cash_advance",
        "for_new_cards": null,
        "for_existing_customers": null,
        "ongoing_rate_pct": null,
        "offers": [
          {
            "rate_pct": 0.0,
            "months": 12,
            "fee_pct": null,
            "for_new_cards": null,
            "for_existing_customers": null,
            "text": "0.00% p.a.12 months introductory balance transfer rate. Reverts to purchase rate after that period. Balance transfer offer (including interest rate and term) applies to approved requests made at the time of application."
          }
        ]
      },
      "rewards_program": null,
      "rewards_programs": [],
      "rewards_program_fee": null,
      "bonus_offer": null,
      "cashback_offer": null,
      "insurances": [],
      "digital_wallets": [],
      "instalment_plan": false,
      "additional_cards": null,
      "additional_cards_offered": true,
      "min_credit_limit": 2000.0,
      "max_credit_limit": 50000.0,
      "min_income": null,
      "min_age": 18,
      "restrictions": [
        "occupation_membership"
      ],
      "who_can_open": {
        "restricted": true,
        "groups": [
          {
            "kind": "occupation",
            "who": "for RSL members and their spouses only",
            "level": "product",
            "quote": "This product is designed for customers who are RSL members and/or their spouses, looking for a revolving credit facility to make purchases through a Visa card at a low interest rate.",
            "source": "https://rslmoney.com.au/api/documents/?theme=RSL&slug=low-rate-visa-card-tmd",
            "citation": {
              "quote": "This product is designed for customers who are RSL members and/or their spouses, looking for a revolving credit facility to make purchases through a Visa card at a low interest rate.",
              "url": "https://rslmoney.com.au/api/documents/?theme=RSL&slug=low-rate-visa-card-tmd#page=1",
              "page": 1,
              "document_sha256": "9752342b9899744b563a90aeea4d82b2d57c960a8e2784b770f8f077ff8c4120",
              "confirmed": "2026-11-12"
            }
          }
        ],
        "open_note": null
      },
      "conditions": [
        "corrected from the bank's own page: 0% on balance transfers for 12 months, after which \"any remaining balance will be charged at the cash advance rate\" (19.99%), per the Key Facts Sheet (effective 1 October 2026); open to RSL members and their spouses, per the target market determination, not only Sub Branch members as the feed says",
        "credit limit $2,000 to $50,000",
        "employment status: Applicants must be currently employed or receiving a regular income.",
        "0% on balance transfers for 12 months from the transfer date, for new cards only",
        "minimum balance transfer $2,000",
        "$10 late payment fee",
        "$4.50 cash advance fee per ATM or cash out withdrawal or transfer; $4.50 overseas ATM withdrawals",
        "half the $49 annual fee is donated to RSL Australia",
        "for RSL members and their spouses only"
      ],
      "eligibility": [
        "Only RSL Sub Branch members can apply for this account",
        "employment status: Applicants must be currently employed or receiving a regular income."
      ],
      "ranked": true,
      "unranked_reason": null,
      "rankings": [
        {
          "segment": "personal",
          "kind": "low_rate",
          "rank": 28,
          "of": 62,
          "hidden_by_default": true
        },
        {
          "segment": "personal",
          "kind": "balance_transfer",
          "rank": 14,
          "of": 29,
          "hidden_by_default": true
        }
      ],
      "source_kind": "feed",
      "record_stale": false,
      "source_url": "https://public.open.rslmoney.com.au/cds-au/v1/banking/products/9d1bd433-1c09-47dd-8841-a68e1dc715d1",
      "source_snapshot": "/au/finance/credit-cards/v1/source/rsl-money/9d1bd433-1c09-47dd-8841-a68e1dc715d1.json",
      "snapshot_at": "2026-10-24T09:58:09Z",
      "bank_last_updated": "2026-09-30T14:00:00.404281Z",
      "document_links_source": {
        "terms_url": "found by hand 2026-11-01: terms and conditions",
        "eligibility_url": "found by hand 2026-11-01: target market determination",
        "key_facts_sheet_url": "found by hand 2026-11-01: Key Facts Sheet"
      },
      "key_facts_sheet_url": "https://rslmoney.com.au/api/documents/?theme=RSL&slug=low-rate-visa-credit-card-key-facts-sheet",
      "correction": {
        "checked": "2026-11-01",
        "note": "0% on balance transfers for 12 months, after which \"any remaining balance will be charged at the cash advance rate\" (19.99%), per the Key Facts Sheet (effective 1 October 2026); open to RSL members and their spouses, per the target market determination, not only Sub Branch members as the feed says",
        "fields": [
          "balance_transfer",
          "conditions"
        ],
        "quotes": {
          "balance_transfer": {
            "text": "balance will be charged at the cash advance rate",
            "url": "https://rslmoney.com.au/api/documents/?theme=RSL&slug=low-rate-visa-credit-card-key-facts-sheet",
            "citation": {
              "quote": "balance will be charged at the cash advance rate",
              "url": "https://rslmoney.com.au/api/documents/?theme=RSL&slug=low-rate-visa-credit-card-key-facts-sheet#page=1",
              "page": 1,
              "document_sha256": "50bf6b9f325d79763c106a347fb5b775499d5ede15bf583cfceb92a90ea86bd7",
              "confirmed": "2026-11-12"
            }
          },
          "eligibility": {
            "text": "This product is designed for customers who are RSL members and/or their spouses",
            "url": "https://rslmoney.com.au/api/documents/?theme=RSL&slug=low-rate-visa-card-tmd",
            "citation": {
              "quote": "This product is designed for customers who are RSL members and/or their spouses",
              "url": "https://rslmoney.com.au/api/documents/?theme=RSL&slug=low-rate-visa-card-tmd#page=1",
              "page": 1,
              "document_sha256": "9752342b9899744b563a90aeea4d82b2d57c960a8e2784b770f8f077ff8c4120",
              "confirmed": "2026-11-12"
            }
          }
        },
        "verified": {
          "balance_transfer": "found",
          "eligibility": "found"
        }
      },
      "from_issuer_page": [
        {
          "source": "correction",
          "fields": [
            "bt_revert_rate_pct"
          ],
          "confirmed": "2026-11-12",
          "url": "https://rslmoney.com.au/api/documents/?theme=RSL&slug=low-rate-visa-credit-card-key-facts-sheet#page=1",
          "quote": "balance will be charged at the cash advance rate"
        },
        {
          "source": "watched_term",
          "fields": [
            "restrictions"
          ],
          "confirmed": "2026-11-12",
          "url": "https://rslmoney.com.au/api/documents/?theme=RSL&slug=low-rate-visa-card-tmd#page=1",
          "quote": "This product is designed for customers who are RSL members and/or their spouses, looking for a revolving credit facility to make purchases through a Visa card at a low interest rate."
        }
      ]
    }
  ],
  "rows": [
    {
      "brand": "RSL Money",
      "brand_label": "RSL Money",
      "brand_slug": "rsl-money",
      "legal_entity_abn": "48087649741",
      "product_id": "9d1bd433-1c09-47dd-8841-a68e1dc715d1",
      "product_name": "Low Rate Visa Credit Card",
      "product_label": "Low Rate Visa Credit Card",
      "product_slug": "low-rate-visa-credit-card",
      "page": "/au/finance/credit-cards/cards/rsl-money/low-rate-visa-credit-card/",
      "product_url": "https://www.rslmoney.com.au/credit-card/low-rate-visa-card",
      "terms_url": "https://rslmoney.com.au/api/documents/?theme=RSL&slug=low-rate-visa-credit-card-terms-and-conditions",
      "fees_url": "https://www.rslmoney.com.au/disclosuredocuments",
      "eligibility_url": "https://rslmoney.com.au/api/documents/?theme=RSL&slug=low-rate-visa-card-tmd",
      "card_type": "credit",
      "scheme": "visa",
      "tier": null,
      "segments": [
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      ],
      "segment": "personal",
      "purchase_rate_pct": 11.99,
      "purchase_rate_is_base": null,
      "no_interest_card": null,
      "purchase_rate_range_pct": null,
      "cash_advance_rate_pct": 19.99,
      "intro_purchase_rate_pct": null,
      "intro_purchase_months": null,
      "interest_free_days": 55,
      "annual_fee": 49.0,
      "fee_period": "annual",
      "fee_as_stated": 49.0,
      "annual_fee_stated": true,
      "annual_fee_note": null,
      "fee_name": "Annual fee - credit card",
      "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": null,
      "bt_promo_rate_pct": 0.0,
      "bt_promo_months": 12,
      "bt_fee_pct": null,
      "bt_revert_rate_pct": 19.99,
      "bt_revert_to": "cash_advance",
      "rewards_program": null,
      "rewards_programs": [],
      "rewards_program_fee": null,
      "bonus_offer": null,
      "cashback_offer": null,
      "digital_wallets": [],
      "instalment_plan": false,
      "additional_cards": null,
      "additional_cards_offered": true,
      "min_credit_limit": 2000.0,
      "max_credit_limit": 50000.0,
      "min_income": null,
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      ],
      "who_can_open": {
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            "who": "for RSL members and their spouses only",
            "level": "product",
            "quote": "This product is designed for customers who are RSL members and/or their spouses, looking for a revolving credit facility to make purchases through a Visa card at a low interest rate.",
            "source": "https://rslmoney.com.au/api/documents/?theme=RSL&slug=low-rate-visa-card-tmd",
            "citation": {
              "quote": "This product is designed for customers who are RSL members and/or their spouses, looking for a revolving credit facility to make purchases through a Visa card at a low interest rate.",
              "url": "https://rslmoney.com.au/api/documents/?theme=RSL&slug=low-rate-visa-card-tmd#page=1",
              "page": 1,
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              "confirmed": "2026-11-12"
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        ],
        "open_note": null
      },
      "conditions": [
        "corrected from the bank's own page: 0% on balance transfers for 12 months, after which \"any remaining balance will be charged at the cash advance rate\" (19.99%), per the Key Facts Sheet (effective 1 October 2026); open to RSL members and their spouses, per the target market determination, not only Sub Branch members as the feed says",
        "credit limit $2,000 to $50,000",
        "employment status: Applicants must be currently employed or receiving a regular income.",
        "0% on balance transfers for 12 months from the transfer date, for new cards only",
        "minimum balance transfer $2,000",
        "$10 late payment fee",
        "$4.50 cash advance fee per ATM or cash out withdrawal or transfer; $4.50 overseas ATM withdrawals",
        "half the $49 annual fee is donated to RSL Australia",
        "for RSL members and their spouses only"
      ],
      "ranked": true,
      "unranked_reason": null,
      "source_kind": "feed",
      "record_stale": false,
      "source_url": "https://public.open.rslmoney.com.au/cds-au/v1/banking/products/9d1bd433-1c09-47dd-8841-a68e1dc715d1",
      "source_snapshot": "/au/finance/credit-cards/v1/source/rsl-money/9d1bd433-1c09-47dd-8841-a68e1dc715d1.json",
      "snapshot_at": "2026-11-12T02:36:04Z",
      "bank_last_updated": "2026-09-30T14:00:00.404281Z",
      "document_links_source": {
        "terms_url": "found by hand 2026-11-01: terms and conditions",
        "eligibility_url": "found by hand 2026-11-01: target market determination",
        "key_facts_sheet_url": "found by hand 2026-11-01: Key Facts Sheet"
      },
      "key_facts_sheet_url": "https://rslmoney.com.au/api/documents/?theme=RSL&slug=low-rate-visa-credit-card-key-facts-sheet",
      "correction": {
        "checked": "2026-11-01",
        "note": "0% on balance transfers for 12 months, after which \"any remaining balance will be charged at the cash advance rate\" (19.99%), per the Key Facts Sheet (effective 1 October 2026); open to RSL members and their spouses, per the target market determination, not only Sub Branch members as the feed says",
        "fields": [
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          "conditions"
        ],
        "quotes": {
          "balance_transfer": {
            "text": "balance will be charged at the cash advance rate",
            "url": "https://rslmoney.com.au/api/documents/?theme=RSL&slug=low-rate-visa-credit-card-key-facts-sheet",
            "citation": {
              "quote": "balance will be charged at the cash advance rate",
              "url": "https://rslmoney.com.au/api/documents/?theme=RSL&slug=low-rate-visa-credit-card-key-facts-sheet#page=1",
              "page": 1,
              "document_sha256": "50bf6b9f325d79763c106a347fb5b775499d5ede15bf583cfceb92a90ea86bd7",
              "confirmed": "2026-11-12"
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          },
          "eligibility": {
            "text": "This product is designed for customers who are RSL members and/or their spouses",
            "url": "https://rslmoney.com.au/api/documents/?theme=RSL&slug=low-rate-visa-card-tmd",
            "citation": {
              "quote": "This product is designed for customers who are RSL members and/or their spouses",
              "url": "https://rslmoney.com.au/api/documents/?theme=RSL&slug=low-rate-visa-card-tmd#page=1",
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              "confirmed": "2026-11-12"
            }
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        },
        "verified": {
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          "eligibility": "found"
        }
      },
      "from_issuer_page": [
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          "source": "correction",
          "fields": [
            "bt_revert_rate_pct"
          ],
          "confirmed": "2026-11-12",
          "url": "https://rslmoney.com.au/api/documents/?theme=RSL&slug=low-rate-visa-credit-card-key-facts-sheet#page=1",
          "quote": "balance will be charged at the cash advance rate"
        },
        {
          "source": "watched_term",
          "fields": [
            "restrictions"
          ],
          "confirmed": "2026-11-12",
          "url": "https://rslmoney.com.au/api/documents/?theme=RSL&slug=low-rate-visa-card-tmd#page=1",
          "quote": "This product is designed for customers who are RSL members and/or their spouses, looking for a revolving credit facility to make purchases through a Visa card at a low interest rate."
        }
      ],
      "rate_pct": 11.99,
      "rankings": [
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          "of": 62,
          "hidden_by_default": true
        },
        {
          "segment": "personal",
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          "hidden_by_default": true
        }
      ]
    }
  ],
  "licence_shared_with": [
    "Australian Military Bank"
  ]
}