{ "brand": "Unity Bank", "brand_label": "Unity Bank", "brand_slug": "unity-bank", "legal_entity_abn": "72087650637", "public_base_uri": "https://ibank.unity.bank/OpenBanking", "logo_uri": "https://ibank.unity.bank/OpenBanking/logo.png", "status": "ok", "stale": false, "bank_last_updated": "2026-09-30T00:27:11Z", "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":3,"of":52,"product_label":"Low Rate Visa Credit Card","card_type":"credit","purchase_rate_pct":7.49,"annual_fee":50.0,"fee_period":"annual","annual_fee_stated":true,"interest_free_days":50,"min_credit_limit":1000.0,"max_credit_limit":75000.0,"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":"personal","kind":"rewards","rank":22,"of":24,"product_label":"Platinum Visa Credit Card","card_type":"credit","purchase_rate_pct":19.99,"annual_fee":299.0,"fee_period":"annual","annual_fee_stated":true,"interest_free_days":50,"min_credit_limit":6000.0,"max_credit_limit":75000.0,"bt_promo_rate_pct":null,"bt_promo_months":null,"bt_fee_pct":null,"bt_revert_rate_pct":null,"rewards_program":"Qantas Frequent Flyer Points","conditions":"k2","restrictions":[],"record_stale":false}, {"segment":"business","kind":"low_rate","rank":5,"of":13,"product_label":"Business - Low Rate Credit Card","card_type":"credit","purchase_rate_pct":12.49,"annual_fee":50.0,"fee_period":"annual","annual_fee_stated":true,"interest_free_days":50,"min_credit_limit":1000.0,"max_credit_limit":100000.0,"bt_promo_rate_pct":null,"bt_promo_months":null,"bt_fee_pct":null,"bt_revert_rate_pct":null,"rewards_program":null,"conditions":"k3","restrictions":[],"record_stale":false} ], "condition_sets": { "k1": [ "credit limit $1,000 to $75,000" ], "k2": [ "credit limit $6,000 to $75,000", "1 Qantas Point per $1, capped at 20,000 points a month; 1 extra point per $1 on selected Qantas products", "10,000 bonus Qantas Points each year", "30,000 bonus Qantas Points for a new card with $5,000 spend in 90 days, card kept open 90 days", "no additional cardholder fee", "$4 cash advance fee" ], "k3": [ "credit limit $1,000 to $100,000", "up to 5 cards on one account", "$4 cash advance fee" ] }, "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": "S79_BUSINESS_LOW_RATE_CREDIT_CARD", "product_name": "Business - Low Rate Credit Card", "product_label": "Business - Low Rate Credit Card", "product_slug": "business-low-rate-credit-card", "page": "/au/finance/credit-cards/cards/unity-bank/business-low-rate-credit-card/", "product_url": "https://www.unity.bank/personal-loans/credit-card/low-rate-business-credit-card/", "terms_url": "https://www.unity.bank/reusable-documents/disclosure-documents/account-and-access-facility-conditions-of-use/", "fees_url": "https://www.unity.bank/help/rates-fees/", "eligibility_url": "https://www.unity.bank/reusable-documents/disclosure-documents/account-and-access-facility-conditions-of-use/", "card_type": "credit", "scheme": "visa", "tier": null, "segments": [ "business" ], "segment": "business", "description": "Our Business Low Rate Visa Credit Card features one of the lowest ongoing purchase rates in the market. And with up to 50 days interest free and a low annual fee, it all adds up to great value.", "purchase_rate_pct": 12.49, "purchase_rate_is_base": null, "no_interest_card": null, "purchase_rate_range_pct": null, "purchase_rate_note": "Calculated daily. Charged monthly", "cash_advance_rate_pct": 19.49, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 50, "annual_fee": 50.0, "fee_period": "annual", "fee_as_stated": 50.0, "annual_fee_stated": true, "annual_fee_note": null, "fee_name": "ANNUAL_CREDIT_CARD_FEE_-_BUSINESS_LOW_RATE", "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": 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": 1000.0, "max_credit_limit": 100000.0, "min_income": null, "min_age": 18, "restrictions": [], "who_can_open": { "restricted": false, "groups": [], "open_note": null }, "conditions": [ "credit limit $1,000 to $100,000", "up to 5 cards on one account", "$4 cash advance fee" ], "eligibility": [], "ranked": true, "unranked_reason": null, "rankings": [ { "segment": "business", "kind": "low_rate", "rank": 5, "of": 13, "hidden_by_default": null } ], "source_kind": "feed", "record_stale": false, "source_url": "https://ibank.unity.bank/OpenBanking/cds-au/v1/banking/products/S79_BUSINESS_LOW_RATE_CREDIT_CARD", "source_snapshot": "/au/finance/credit-cards/v1/source/unity-bank/S79_BUSINESS_LOW_RATE_CREDIT_CARD.json", "snapshot_at": "2026-10-24T09:58:12Z", "bank_last_updated": "2026-09-30T10:27:11.000+10:00", "from_issuer_page": null }, { "product_id": "S80_LOW_RATE_CREDIT_CARD", "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/unity-bank/low-rate-visa-credit-card/", "product_url": "https://www.unity.bank/reusable-documents/disclosure-documents/account-and-access-facility-conditions-of-use/", "terms_url": "https://www.unity.bank/reusable-documents/disclosure-documents/account-and-access-facility-conditions-of-use/", "fees_url": "https://www.unity.bank/help/rates-fees/", "eligibility_url": "https://www.unity.bank/reusable-documents/disclosure-documents/account-and-access-facility-conditions-of-use/", "card_type": "credit", "scheme": "visa", "tier": null, "segments": [ "personal" ], "segment": "personal", "description": "Our award-winning Low Rate Visa Credit Card features one of the lowest ongoing purchase rates in the market. 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"additional_cards": null, "additional_cards_offered": true, "min_credit_limit": 6000.0, "max_credit_limit": 75000.0, "min_income": null, "min_age": 18, "restrictions": [], "who_can_open": { "restricted": false, "groups": [], "open_note": null }, "conditions": [ "credit limit $6,000 to $75,000", "1 Qantas Point per $1, capped at 20,000 points a month; 1 extra point per $1 on selected Qantas products", "10,000 bonus Qantas Points each year", "30,000 bonus Qantas Points for a new card with $5,000 spend in 90 days, card kept open 90 days", "no additional cardholder fee", "$4 cash advance fee" ], "eligibility": [], "ranked": true, "unranked_reason": null, "rankings": [ { "segment": "personal", "kind": "rewards", "rank": 22, "of": 24, "hidden_by_default": null } ], "source_kind": "feed", "record_stale": false, "source_url": "https://ibank.unity.bank/OpenBanking/cds-au/v1/banking/products/S78_PLATINUM_VISA_CREDIT_CARD", "source_snapshot": "/au/finance/credit-cards/v1/source/unity-bank/S78_PLATINUM_VISA_CREDIT_CARD.json", "snapshot_at": "2026-10-24T09:58:12Z", "bank_last_updated": "2026-09-14T10:49:01.000+10:00", "from_issuer_page": null } ], "rows": [ { "brand": "Unity Bank", "brand_label": "Unity Bank", "brand_slug": "unity-bank", "legal_entity_abn": "72087650637", "product_id": "S79_BUSINESS_LOW_RATE_CREDIT_CARD", "product_name": "Business - Low Rate Credit Card", "product_label": "Business - Low Rate Credit Card", "product_slug": "business-low-rate-credit-card", "page": "/au/finance/credit-cards/cards/unity-bank/business-low-rate-credit-card/", "product_url": "https://www.unity.bank/personal-loans/credit-card/low-rate-business-credit-card/", "terms_url": "https://www.unity.bank/reusable-documents/disclosure-documents/account-and-access-facility-conditions-of-use/", "fees_url": "https://www.unity.bank/help/rates-fees/", "eligibility_url": 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null, "rewards_program": null, "rewards_programs": [], "rewards_program_fee": null, "bonus_offer": null, "cashback_offer": null, "digital_wallets": [ "Apple Pay", "Google Pay", "Samsung Pay" ], "instalment_plan": false, "additional_cards": null, "additional_cards_offered": true, "min_credit_limit": 1000.0, "max_credit_limit": 100000.0, "min_income": null, "min_age": 18, "restrictions": [], "who_can_open": { "restricted": false, "groups": [], "open_note": null }, "conditions": [ "credit limit $1,000 to $100,000", "up to 5 cards on one account", "$4 cash advance fee" ], "ranked": true, "unranked_reason": null, "source_kind": "feed", "record_stale": false, "source_url": "https://ibank.unity.bank/OpenBanking/cds-au/v1/banking/products/S79_BUSINESS_LOW_RATE_CREDIT_CARD", "source_snapshot": "/au/finance/credit-cards/v1/source/unity-bank/S79_BUSINESS_LOW_RATE_CREDIT_CARD.json", "snapshot_at": "2026-11-12T02:36:06Z", "bank_last_updated": "2026-09-30T10:27:11.000+10:00", "from_issuer_page": null, "rate_pct": 12.49, "rankings": [ { "segment": "business", "kind": "low_rate", "rank": 5, "of": 13, "hidden_by_default": null } ] }, { "brand": "Unity Bank", "brand_label": "Unity Bank", "brand_slug": "unity-bank", "legal_entity_abn": "72087650637", "product_id": "S80_LOW_RATE_CREDIT_CARD", "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/unity-bank/low-rate-visa-credit-card/", "product_url": "https://www.unity.bank/reusable-documents/disclosure-documents/account-and-access-facility-conditions-of-use/", "terms_url": "https://www.unity.bank/reusable-documents/disclosure-documents/account-and-access-facility-conditions-of-use/", "fees_url": "https://www.unity.bank/help/rates-fees/", "eligibility_url": "https://www.unity.bank/reusable-documents/disclosure-documents/account-and-access-facility-conditions-of-use/", "card_type": "credit", "scheme": "visa", 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"segment": "personal", "kind": "rewards", "rank": 22, "of": 24, "hidden_by_default": null } ] } ], "licence_shared_with": [] }