{
  "brand": "Summerland Bank",
  "brand_label": "Summerland Bank",
  "brand_slug": "summerland-bank",
  "legal_entity_abn": "21087650360",
  "public_base_uri": "https://public.cdr-api.summerland.com.au",
  "logo_uri": "https://www.summerland.com.au/app/uploads/2024/02/SB_Logo_NoTagline_Stacked_RGB_BLACK.png",
  "status": "ok",
  "stale": false,
  "bank_last_updated": "2026-11-12T02:00:41Z",
  "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":20,"of":52,"product_label":"Low Rate Credit Card","card_type":"credit","purchase_rate_pct":11.99,"annual_fee":49.0,"fee_period":"annual","annual_fee_stated":true,"interest_free_days":56,"min_credit_limit":null,"max_credit_limit":null,"bt_promo_rate_pct":0.0,"bt_promo_months":9,"bt_fee_pct":null,"bt_revert_rate_pct":null,"rewards_program":null,"conditions":"k1","restrictions":[],"record_stale":false},
      {"segment":"personal","kind":"balance_transfer","rank":15,"of":22,"product_label":"Rewards Credit Card","card_type":"credit","purchase_rate_pct":18.99,"annual_fee":79.0,"fee_period":"annual","annual_fee_stated":true,"interest_free_days":56,"min_credit_limit":null,"max_credit_limit":null,"bt_promo_rate_pct":0.0,"bt_promo_months":12,"bt_fee_pct":null,"bt_revert_rate_pct":null,"rewards_program":"Summerland Credit Card Rewards Program","conditions":"k2","restrictions":[],"record_stale":false},
      {"segment":"personal","kind":"rewards","rank":5,"of":24,"product_label":"Rewards Credit Card","card_type":"credit","purchase_rate_pct":18.99,"annual_fee":79.0,"fee_period":"annual","annual_fee_stated":true,"interest_free_days":56,"min_credit_limit":null,"max_credit_limit":null,"bt_promo_rate_pct":0.0,"bt_promo_months":12,"bt_fee_pct":null,"bt_revert_rate_pct":null,"rewards_program":"Summerland Credit Card Rewards Program","conditions":"k2","restrictions":[],"record_stale":false}
    ],
    "condition_sets": {
      "k1": [
        "corrected from the bank's own page: 11.99% on purchases, 15.99% on cash advances and up to 56 interest-free days, per the bank's Key Facts Sheet (correct as at 1 July 2026); the feed gives no purchase or cash advance rate and 55 days",
        "0.00% on balance transfers for 9 months",
        "no late payment fee",
        "up to 56 days interest-free on purchases, including while a balance transfer is outstanding",
        "minimum balance transfer $1,000, only from Australian-issued non-Summerland cards",
        "$3.50 fee for each Visa cash advance or ATM withdrawal, including overseas",
        "$49 annual fee waived in the first year",
        "0% for 9 months on transfers requested with a new card application, then the purchase rate; no transfer fee; minimum $1,000 from non-Summerland Australian cards",
        "purchase rate 11.99%, cash advance rate 15.99% (the feed gives no rates)"
      ],
      "k2": [
        "corrected from the bank's own page: 18.99% on purchases, 20.49% on cash advances and up to 56 interest-free days, per the bank's Key Facts Sheet (correct as at 1 July 2026); the feed gives no purchase or cash advance rate and 55 days",
        "0.00% on balance transfers for 12 months",
        "no late payment fee",
        "up to 56 days interest-free on purchases, including while a balance transfer is outstanding",
        "minimum balance transfer $1,000, only from Australian-issued non-Summerland cards",
        "$3.50 fee for each Visa cash advance or ATM withdrawal, including overseas",
        "$79 annual fee waived in the first year",
        "0% for 12 months on transfers requested with a new card application, then the purchase rate; no transfer fee; minimum $1,000 from non-Summerland Australian cards",
        "1 point per $2 spent, paid monthly as cash at $10 per 1,000 points",
        "capped at 100,000 points in each 12-month period",
        "purchase rate 18.99%, cash advance rate 20.49% (the feed gives no rates)"
      ]
    },
    "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": "74",
      "product_name": "Low Rate Credit Card",
      "product_label": "Low Rate Credit Card",
      "product_slug": "low-rate-credit-card",
      "page": "/au/finance/credit-cards/cards/summerland-bank/low-rate-credit-card/",
      "product_url": "https://summerland.com.au/my-banking/credit-cards/",
      "terms_url": "https://www.summerland.com.au/detailed-credit-card-product-guide",
      "fees_url": "https://www.summerland.com.au/fees-charges-transaction-limits",
      "eligibility_url": null,
      "card_type": "credit",
      "scheme": "visa",
      "tier": null,
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "description": "Benefit from a low interest rate on purchases.",
      "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": 15.99,
      "intro_purchase_rate_pct": null,
      "intro_purchase_months": null,
      "interest_free_days": 56,
      "annual_fee": 49.0,
      "fee_period": "annual",
      "fee_as_stated": 49.0,
      "annual_fee_stated": true,
      "annual_fee_note": null,
      "fee_name": "Low Rate Annual Fee",
      "fee_offers": [
        "The discount is available for holders of a Premium Home Loan."
      ],
      "first_year_fee_waived": false,
      "fee_waived_for_group": null,
      "foreign_transaction_fee_pct": null,
      "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": 9,
        "fee_pct": null,
        "revert_rate_pct": null,
        "revert_to": null,
        "for_new_cards": null,
        "for_existing_customers": null,
        "ongoing_rate_pct": 0.0,
        "offers": [
          {
            "rate_pct": 0.0,
            "months": 9,
            "fee_pct": null,
            "for_new_cards": null,
            "for_existing_customers": null,
            "text": "interest-free balance transfers (feature)"
          }
        ]
      },
      "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": null,
      "additional_cards_offered": true,
      "min_credit_limit": null,
      "max_credit_limit": null,
      "min_income": null,
      "min_age": null,
      "restrictions": [],
      "who_can_open": {
        "restricted": false,
        "groups": [],
        "open_note": null
      },
      "conditions": [
        "corrected from the bank's own page: 11.99% on purchases, 15.99% on cash advances and up to 56 interest-free days, per the bank's Key Facts Sheet (correct as at 1 July 2026); the feed gives no purchase or cash advance rate and 55 days",
        "0.00% on balance transfers for 9 months",
        "no late payment fee",
        "up to 56 days interest-free on purchases, including while a balance transfer is outstanding",
        "minimum balance transfer $1,000, only from Australian-issued non-Summerland cards",
        "$3.50 fee for each Visa cash advance or ATM withdrawal, including overseas",
        "$49 annual fee waived in the first year",
        "0% for 9 months on transfers requested with a new card application, then the purchase rate; no transfer fee; minimum $1,000 from non-Summerland Australian cards",
        "purchase rate 11.99%, cash advance rate 15.99% (the feed gives no rates)"
      ],
      "eligibility": [],
      "ranked": true,
      "unranked_reason": null,
      "rankings": [
        {
          "segment": "personal",
          "kind": "low_rate",
          "rank": 20,
          "of": 52,
          "hidden_by_default": null
        }
      ],
      "source_kind": "feed",
      "record_stale": false,
      "source_url": "https://public.cdr-api.summerland.com.au/cds-au/v1/banking/products/74",
      "source_snapshot": "/au/finance/credit-cards/v1/source/summerland-bank/74.json",
      "snapshot_at": "2026-11-12T02:36:05Z",
      "bank_last_updated": "2026-11-12T02:00:41.0226439Z",
      "key_facts_sheet_url": "https://www.summerland.com.au/app/uploads/2023/12/credit-card-key-fact-sheet.pdf",
      "document_links_source": {
        "key_facts_sheet_url": "found by hand 2026-11-01: Key Facts Sheet"
      },
      "correction": {
        "checked": "2026-11-07",
        "note": "11.99% on purchases, 15.99% on cash advances and up to 56 interest-free days, per the bank's Key Facts Sheet (correct as at 1 July 2026); the feed gives no purchase or cash advance rate and 55 days",
        "fields": [
          "cash_advance_rate_pct",
          "interest_free_days",
          "purchase_rate_pct"
        ],
        "quotes": {
          "rate": {
            "text": "Interest on purchase 11.99%pa 18.99%pa",
            "url": "https://www.summerland.com.au/app/uploads/2023/12/credit-card-key-fact-sheet.pdf",
            "citation": {
              "quote": "Interest on purchase 11.99%pa 18.99%pa",
              "url": "https://www.summerland.com.au/app/uploads/2023/12/credit-card-key-fact-sheet.pdf#page=1",
              "page": 1,
              "document_sha256": "22129d6de721b9cc2b6928f2a0ea923783efd28c0518f699448ad9504e93f56d",
              "confirmed": "2026-11-12"
            }
          },
          "cash": {
            "text": "Interest on cash advances 15.99%pa",
            "url": "https://www.summerland.com.au/app/uploads/2023/12/credit-card-key-fact-sheet.pdf",
            "citation": {
              "quote": "Interest on cash advances 15.99%pa",
              "url": "https://www.summerland.com.au/app/uploads/2023/12/credit-card-key-fact-sheet.pdf#page=1",
              "page": 1,
              "document_sha256": "22129d6de721b9cc2b6928f2a0ea923783efd28c0518f699448ad9504e93f56d",
              "confirmed": "2026-11-12"
            }
          },
          "interest_free": {
            "text": "Up to 56 days on purchase only",
            "url": "https://www.summerland.com.au/app/uploads/2023/12/credit-card-key-fact-sheet.pdf",
            "citation": {
              "quote": "Up to 56 days on purchase only",
              "url": "https://www.summerland.com.au/app/uploads/2023/12/credit-card-key-fact-sheet.pdf#page=1",
              "page": 1,
              "document_sha256": "22129d6de721b9cc2b6928f2a0ea923783efd28c0518f699448ad9504e93f56d",
              "confirmed": "2026-11-12"
            }
          }
        },
        "verified": {
          "rate": "found",
          "cash": "found",
          "interest_free": "found"
        }
      },
      "from_issuer_page": [
        {
          "source": "correction",
          "fields": [
            "purchase_rate_pct",
            "cash_advance_rate_pct",
            "interest_free_days"
          ],
          "confirmed": "2026-11-12",
          "url": "https://www.summerland.com.au/app/uploads/2023/12/credit-card-key-fact-sheet.pdf#page=1",
          "quote": "Interest on purchase 11.99%pa 18.99%pa"
        }
      ]
    },
    {
      "product_id": "75",
      "product_name": "Rewards Credit Card",
      "product_label": "Rewards Credit Card",
      "product_slug": "rewards-credit-card",
      "page": "/au/finance/credit-cards/cards/summerland-bank/rewards-credit-card/",
      "product_url": "https://summerland.com.au/my-banking/credit-cards/",
      "terms_url": "https://www.summerland.com.au/detailed-credit-card-product-guide",
      "fees_url": "https://www.summerland.com.au/fees-charges-transaction-limits",
      "eligibility_url": null,
      "card_type": "credit",
      "scheme": "visa",
      "tier": null,
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "description": "Earn Rewards points on your everyday spend.",
      "purchase_rate_pct": 18.99,
      "purchase_rate_is_base": null,
      "no_interest_card": null,
      "purchase_rate_range_pct": null,
      "purchase_rate_note": null,
      "cash_advance_rate_pct": 20.49,
      "intro_purchase_rate_pct": null,
      "intro_purchase_months": null,
      "interest_free_days": 56,
      "annual_fee": 79.0,
      "fee_period": "annual",
      "fee_as_stated": 79.0,
      "annual_fee_stated": true,
      "annual_fee_note": null,
      "fee_name": "Rewards Annual Fee",
      "fee_offers": [
        "The discount is available for holders of a Premium Home Loan."
      ],
      "first_year_fee_waived": false,
      "fee_waived_for_group": null,
      "foreign_transaction_fee_pct": null,
      "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": null,
        "revert_to": null,
        "for_new_cards": null,
        "for_existing_customers": null,
        "ongoing_rate_pct": 0.0,
        "offers": [
          {
            "rate_pct": 0.0,
            "months": 12,
            "fee_pct": null,
            "for_new_cards": null,
            "for_existing_customers": null,
            "text": "interest-free balance transfers (feature)"
          }
        ]
      },
      "rewards_program": "Summerland Credit Card Rewards Program",
      "rewards_programs": [
        "Summerland Credit Card Rewards Program"
      ],
      "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": true,
      "min_credit_limit": null,
      "max_credit_limit": null,
      "min_income": null,
      "min_age": null,
      "restrictions": [],
      "who_can_open": {
        "restricted": false,
        "groups": [],
        "open_note": null
      },
      "conditions": [
        "corrected from the bank's own page: 18.99% on purchases, 20.49% on cash advances and up to 56 interest-free days, per the bank's Key Facts Sheet (correct as at 1 July 2026); the feed gives no purchase or cash advance rate and 55 days",
        "0.00% on balance transfers for 12 months",
        "no late payment fee",
        "up to 56 days interest-free on purchases, including while a balance transfer is outstanding",
        "minimum balance transfer $1,000, only from Australian-issued non-Summerland cards",
        "$3.50 fee for each Visa cash advance or ATM withdrawal, including overseas",
        "$79 annual fee waived in the first year",
        "0% for 12 months on transfers requested with a new card application, then the purchase rate; no transfer fee; minimum $1,000 from non-Summerland Australian cards",
        "1 point per $2 spent, paid monthly as cash at $10 per 1,000 points",
        "capped at 100,000 points in each 12-month period",
        "purchase rate 18.99%, cash advance rate 20.49% (the feed gives no rates)"
      ],
      "eligibility": [],
      "ranked": true,
      "unranked_reason": null,
      "rankings": [
        {
          "segment": "personal",
          "kind": "balance_transfer",
          "rank": 15,
          "of": 22,
          "hidden_by_default": null
        },
        {
          "segment": "personal",
          "kind": "rewards",
          "rank": 5,
          "of": 24,
          "hidden_by_default": null
        }
      ],
      "source_kind": "feed",
      "record_stale": false,
      "source_url": "https://public.cdr-api.summerland.com.au/cds-au/v1/banking/products/75",
      "source_snapshot": "/au/finance/credit-cards/v1/source/summerland-bank/75.json",
      "snapshot_at": "2026-11-12T02:36:05Z",
      "bank_last_updated": "2026-11-12T02:00:41.0226439Z",
      "key_facts_sheet_url": "https://www.summerland.com.au/app/uploads/2023/12/credit-card-key-fact-sheet.pdf",
      "document_links_source": {
        "key_facts_sheet_url": "found by hand 2026-11-01: Key Facts Sheet"
      },
      "correction": {
        "checked": "2026-11-07",
        "note": "18.99% on purchases, 20.49% on cash advances and up to 56 interest-free days, per the bank's Key Facts Sheet (correct as at 1 July 2026); the feed gives no purchase or cash advance rate and 55 days",
        "fields": [
          "cash_advance_rate_pct",
          "interest_free_days",
          "purchase_rate_pct"
        ],
        "quotes": {
          "rate": {
            "text": "Interest on purchase 11.99%pa 18.99%pa",
            "url": "https://www.summerland.com.au/app/uploads/2023/12/credit-card-key-fact-sheet.pdf",
            "citation": {
              "quote": "Interest on purchase 11.99%pa 18.99%pa",
              "url": "https://www.summerland.com.au/app/uploads/2023/12/credit-card-key-fact-sheet.pdf#page=1",
              "page": 1,
              "document_sha256": "22129d6de721b9cc2b6928f2a0ea923783efd28c0518f699448ad9504e93f56d",
              "confirmed": "2026-11-12"
            }
          },
          "cash": {
            "text": "Interest on cash advances 15.99%pa 20.49%",
            "url": "https://www.summerland.com.au/app/uploads/2023/12/credit-card-key-fact-sheet.pdf",
            "citation": {
              "quote": "Interest on cash advances 15.99%pa 20.49%",
              "url": "https://www.summerland.com.au/app/uploads/2023/12/credit-card-key-fact-sheet.pdf#page=1",
              "page": 1,
              "document_sha256": "22129d6de721b9cc2b6928f2a0ea923783efd28c0518f699448ad9504e93f56d",
              "confirmed": "2026-11-12"
            }
          },
          "interest_free": {
            "text": "Up to 56 days on purchases",
            "url": "https://www.summerland.com.au/app/uploads/2023/12/credit-card-key-fact-sheet.pdf",
            "citation": {
              "quote": "Up to 56 days on purchases",
              "url": "https://www.summerland.com.au/app/uploads/2023/12/credit-card-key-fact-sheet.pdf#page=1",
              "page": 1,
              "document_sha256": "22129d6de721b9cc2b6928f2a0ea923783efd28c0518f699448ad9504e93f56d",
              "confirmed": "2026-11-12"
            }
          }
        },
        "verified": {
          "rate": "found",
          "cash": "found",
          "interest_free": "found"
        }
      },
      "from_issuer_page": [
        {
          "source": "correction",
          "fields": [
            "purchase_rate_pct",
            "cash_advance_rate_pct",
            "interest_free_days"
          ],
          "confirmed": "2026-11-12",
          "url": "https://www.summerland.com.au/app/uploads/2023/12/credit-card-key-fact-sheet.pdf#page=1",
          "quote": "Interest on purchase 11.99%pa 18.99%pa"
        }
      ]
    }
  ],
  "rows": [
    {
      "brand": "Summerland Bank",
      "brand_label": "Summerland Bank",
      "brand_slug": "summerland-bank",
      "legal_entity_abn": "21087650360",
      "product_id": "74",
      "product_name": "Low Rate Credit Card",
      "product_label": "Low Rate Credit Card",
      "product_slug": "low-rate-credit-card",
      "page": "/au/finance/credit-cards/cards/summerland-bank/low-rate-credit-card/",
      "product_url": "https://summerland.com.au/my-banking/credit-cards/",
      "terms_url": "https://www.summerland.com.au/detailed-credit-card-product-guide",
      "fees_url": "https://www.summerland.com.au/fees-charges-transaction-limits",
      "eligibility_url": null,
      "card_type": "credit",
      "scheme": "visa",
      "tier": null,
      "segments": [
        "personal"
      ],
      "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": 15.99,
      "intro_purchase_rate_pct": null,
      "intro_purchase_months": null,
      "interest_free_days": 56,
      "annual_fee": 49.0,
      "fee_period": "annual",
      "fee_as_stated": 49.0,
      "annual_fee_stated": true,
      "annual_fee_note": null,
      "fee_name": "Low Rate Annual Fee",
      "first_year_fee_waived": false,
      "fee_waived_for_group": null,
      "foreign_transaction_fee_pct": null,
      "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": 9,
      "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",
        "Google Pay"
      ],
      "instalment_plan": false,
      "additional_cards": null,
      "additional_cards_offered": true,
      "min_credit_limit": null,
      "max_credit_limit": null,
      "min_income": null,
      "min_age": null,
      "restrictions": [],
      "who_can_open": {
        "restricted": false,
        "groups": [],
        "open_note": null
      },
      "conditions": [
        "corrected from the bank's own page: 11.99% on purchases, 15.99% on cash advances and up to 56 interest-free days, per the bank's Key Facts Sheet (correct as at 1 July 2026); the feed gives no purchase or cash advance rate and 55 days",
        "0.00% on balance transfers for 9 months",
        "no late payment fee",
        "up to 56 days interest-free on purchases, including while a balance transfer is outstanding",
        "minimum balance transfer $1,000, only from Australian-issued non-Summerland cards",
        "$3.50 fee for each Visa cash advance or ATM withdrawal, including overseas",
        "$49 annual fee waived in the first year",
        "0% for 9 months on transfers requested with a new card application, then the purchase rate; no transfer fee; minimum $1,000 from non-Summerland Australian cards",
        "purchase rate 11.99%, cash advance rate 15.99% (the feed gives no rates)"
      ],
      "ranked": true,
      "unranked_reason": null,
      "source_kind": "feed",
      "record_stale": false,
      "source_url": "https://public.cdr-api.summerland.com.au/cds-au/v1/banking/products/74",
      "source_snapshot": "/au/finance/credit-cards/v1/source/summerland-bank/74.json",
      "snapshot_at": "2026-11-12T02:36:05Z",
      "bank_last_updated": "2026-11-12T02:00:41.0226439Z",
      "key_facts_sheet_url": "https://www.summerland.com.au/app/uploads/2023/12/credit-card-key-fact-sheet.pdf",
      "document_links_source": {
        "key_facts_sheet_url": "found by hand 2026-11-01: Key Facts Sheet"
      },
      "correction": {
        "checked": "2026-11-07",
        "note": "11.99% on purchases, 15.99% on cash advances and up to 56 interest-free days, per the bank's Key Facts Sheet (correct as at 1 July 2026); the feed gives no purchase or cash advance rate and 55 days",
        "fields": [
          "cash_advance_rate_pct",
          "interest_free_days",
          "purchase_rate_pct"
        ],
        "quotes": {
          "rate": {
            "text": "Interest on purchase 11.99%pa 18.99%pa",
            "url": "https://www.summerland.com.au/app/uploads/2023/12/credit-card-key-fact-sheet.pdf",
            "citation": {
              "quote": "Interest on purchase 11.99%pa 18.99%pa",
              "url": "https://www.summerland.com.au/app/uploads/2023/12/credit-card-key-fact-sheet.pdf#page=1",
              "page": 1,
              "document_sha256": "22129d6de721b9cc2b6928f2a0ea923783efd28c0518f699448ad9504e93f56d",
              "confirmed": "2026-11-12"
            }
          },
          "cash": {
            "text": "Interest on cash advances 15.99%pa",
            "url": "https://www.summerland.com.au/app/uploads/2023/12/credit-card-key-fact-sheet.pdf",
            "citation": {
              "quote": "Interest on cash advances 15.99%pa",
              "url": "https://www.summerland.com.au/app/uploads/2023/12/credit-card-key-fact-sheet.pdf#page=1",
              "page": 1,
              "document_sha256": "22129d6de721b9cc2b6928f2a0ea923783efd28c0518f699448ad9504e93f56d",
              "confirmed": "2026-11-12"
            }
          },
          "interest_free": {
            "text": "Up to 56 days on purchase only",
            "url": "https://www.summerland.com.au/app/uploads/2023/12/credit-card-key-fact-sheet.pdf",
            "citation": {
              "quote": "Up to 56 days on purchase only",
              "url": "https://www.summerland.com.au/app/uploads/2023/12/credit-card-key-fact-sheet.pdf#page=1",
              "page": 1,
              "document_sha256": "22129d6de721b9cc2b6928f2a0ea923783efd28c0518f699448ad9504e93f56d",
              "confirmed": "2026-11-12"
            }
          }
        },
        "verified": {
          "rate": "found",
          "cash": "found",
          "interest_free": "found"
        }
      },
      "from_issuer_page": [
        {
          "source": "correction",
          "fields": [
            "purchase_rate_pct",
            "cash_advance_rate_pct",
            "interest_free_days"
          ],
          "confirmed": "2026-11-12",
          "url": "https://www.summerland.com.au/app/uploads/2023/12/credit-card-key-fact-sheet.pdf#page=1",
          "quote": "Interest on purchase 11.99%pa 18.99%pa"
        }
      ],
      "rate_pct": 11.99,
      "rankings": [
        {
          "segment": "personal",
          "kind": "low_rate",
          "rank": 20,
          "of": 52,
          "hidden_by_default": null
        }
      ]
    },
    {
      "brand": "Summerland Bank",
      "brand_label": "Summerland Bank",
      "brand_slug": "summerland-bank",
      "legal_entity_abn": "21087650360",
      "product_id": "75",
      "product_name": "Rewards Credit Card",
      "product_label": "Rewards Credit Card",
      "product_slug": "rewards-credit-card",
      "page": "/au/finance/credit-cards/cards/summerland-bank/rewards-credit-card/",
      "product_url": "https://summerland.com.au/my-banking/credit-cards/",
      "terms_url": "https://www.summerland.com.au/detailed-credit-card-product-guide",
      "fees_url": "https://www.summerland.com.au/fees-charges-transaction-limits",
      "eligibility_url": null,
      "card_type": "credit",
      "scheme": "visa",
      "tier": null,
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "purchase_rate_pct": 18.99,
      "purchase_rate_is_base": null,
      "no_interest_card": null,
      "purchase_rate_range_pct": null,
      "cash_advance_rate_pct": 20.49,
      "intro_purchase_rate_pct": null,
      "intro_purchase_months": null,
      "interest_free_days": 56,
      "annual_fee": 79.0,
      "fee_period": "annual",
      "fee_as_stated": 79.0,
      "annual_fee_stated": true,
      "annual_fee_note": null,
      "fee_name": "Rewards Annual Fee",
      "first_year_fee_waived": false,
      "fee_waived_for_group": null,
      "foreign_transaction_fee_pct": null,
      "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": null,
      "bt_revert_to": null,
      "rewards_program": "Summerland Credit Card Rewards Program",
      "rewards_programs": [
        "Summerland Credit Card Rewards Program"
      ],
      "rewards_program_fee": null,
      "bonus_offer": null,
      "cashback_offer": null,
      "digital_wallets": [
        "Apple Pay",
        "Google Pay"
      ],
      "instalment_plan": false,
      "additional_cards": null,
      "additional_cards_offered": true,
      "min_credit_limit": null,
      "max_credit_limit": null,
      "min_income": null,
      "min_age": null,
      "restrictions": [],
      "who_can_open": {
        "restricted": false,
        "groups": [],
        "open_note": null
      },
      "conditions": [
        "corrected from the bank's own page: 18.99% on purchases, 20.49% on cash advances and up to 56 interest-free days, per the bank's Key Facts Sheet (correct as at 1 July 2026); the feed gives no purchase or cash advance rate and 55 days",
        "0.00% on balance transfers for 12 months",
        "no late payment fee",
        "up to 56 days interest-free on purchases, including while a balance transfer is outstanding",
        "minimum balance transfer $1,000, only from Australian-issued non-Summerland cards",
        "$3.50 fee for each Visa cash advance or ATM withdrawal, including overseas",
        "$79 annual fee waived in the first year",
        "0% for 12 months on transfers requested with a new card application, then the purchase rate; no transfer fee; minimum $1,000 from non-Summerland Australian cards",
        "1 point per $2 spent, paid monthly as cash at $10 per 1,000 points",
        "capped at 100,000 points in each 12-month period",
        "purchase rate 18.99%, cash advance rate 20.49% (the feed gives no rates)"
      ],
      "ranked": true,
      "unranked_reason": null,
      "source_kind": "feed",
      "record_stale": false,
      "source_url": "https://public.cdr-api.summerland.com.au/cds-au/v1/banking/products/75",
      "source_snapshot": "/au/finance/credit-cards/v1/source/summerland-bank/75.json",
      "snapshot_at": "2026-11-12T02:36:05Z",
      "bank_last_updated": "2026-11-12T02:00:41.0226439Z",
      "key_facts_sheet_url": "https://www.summerland.com.au/app/uploads/2023/12/credit-card-key-fact-sheet.pdf",
      "document_links_source": {
        "key_facts_sheet_url": "found by hand 2026-11-01: Key Facts Sheet"
      },
      "correction": {
        "checked": "2026-11-07",
        "note": "18.99% on purchases, 20.49% on cash advances and up to 56 interest-free days, per the bank's Key Facts Sheet (correct as at 1 July 2026); the feed gives no purchase or cash advance rate and 55 days",
        "fields": [
          "cash_advance_rate_pct",
          "interest_free_days",
          "purchase_rate_pct"
        ],
        "quotes": {
          "rate": {
            "text": "Interest on purchase 11.99%pa 18.99%pa",
            "url": "https://www.summerland.com.au/app/uploads/2023/12/credit-card-key-fact-sheet.pdf",
            "citation": {
              "quote": "Interest on purchase 11.99%pa 18.99%pa",
              "url": "https://www.summerland.com.au/app/uploads/2023/12/credit-card-key-fact-sheet.pdf#page=1",
              "page": 1,
              "document_sha256": "22129d6de721b9cc2b6928f2a0ea923783efd28c0518f699448ad9504e93f56d",
              "confirmed": "2026-11-12"
            }
          },
          "cash": {
            "text": "Interest on cash advances 15.99%pa 20.49%",
            "url": "https://www.summerland.com.au/app/uploads/2023/12/credit-card-key-fact-sheet.pdf",
            "citation": {
              "quote": "Interest on cash advances 15.99%pa 20.49%",
              "url": "https://www.summerland.com.au/app/uploads/2023/12/credit-card-key-fact-sheet.pdf#page=1",
              "page": 1,
              "document_sha256": "22129d6de721b9cc2b6928f2a0ea923783efd28c0518f699448ad9504e93f56d",
              "confirmed": "2026-11-12"
            }
          },
          "interest_free": {
            "text": "Up to 56 days on purchases",
            "url": "https://www.summerland.com.au/app/uploads/2023/12/credit-card-key-fact-sheet.pdf",
            "citation": {
              "quote": "Up to 56 days on purchases",
              "url": "https://www.summerland.com.au/app/uploads/2023/12/credit-card-key-fact-sheet.pdf#page=1",
              "page": 1,
              "document_sha256": "22129d6de721b9cc2b6928f2a0ea923783efd28c0518f699448ad9504e93f56d",
              "confirmed": "2026-11-12"
            }
          }
        },
        "verified": {
          "rate": "found",
          "cash": "found",
          "interest_free": "found"
        }
      },
      "from_issuer_page": [
        {
          "source": "correction",
          "fields": [
            "purchase_rate_pct",
            "cash_advance_rate_pct",
            "interest_free_days"
          ],
          "confirmed": "2026-11-12",
          "url": "https://www.summerland.com.au/app/uploads/2023/12/credit-card-key-fact-sheet.pdf#page=1",
          "quote": "Interest on purchase 11.99%pa 18.99%pa"
        }
      ],
      "rate_pct": 18.99,
      "rankings": [
        {
          "segment": "personal",
          "kind": "balance_transfer",
          "rank": 15,
          "of": 22,
          "hidden_by_default": null
        },
        {
          "segment": "personal",
          "kind": "rewards",
          "rank": 5,
          "of": 24,
          "hidden_by_default": null
        }
      ]
    }
  ],
  "licence_shared_with": [
    "Regional Australia Bank",
    "Thriday"
  ]
}