{
  "brand": "Woolworths Team Bank",
  "brand_label": "Woolworths Team Bank",
  "brand_slug": "woolworths-team-bank",
  "legal_entity_abn": "67087651803",
  "public_base_uri": "https://online.woolworthsteambank.com.au/OpenBanking",
  "logo_uri": "https://woolworthsteambank.com.au/wp-content/uploads/2021/06/wp-log-top-navi-logo.png",
  "status": "ok",
  "stale": false,
  "bank_last_updated": "2025-08-26T01:59:05Z",
  "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":42,"of":62,"product_label":"Visa Credit Card","card_type":"credit","purchase_rate_pct":13.45,"annual_fee":24,"fee_period":"monthly","annual_fee_stated":true,"interest_free_days":55,"min_credit_limit":2000,"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":["occupation_membership"],"record_stale":false}
    ],
    "condition_sets": {
      "k1": [
        "corrected from the bank's own page: a $2 monthly card fee, waived for members with loans or regular deposits, up to 55 interest-free days and a $2,000 minimum limit, per the bank's card page (\"Monthly card fee $2*\"; \"*Card fee is waived for members with loans or regular deposits into their account\") and Key Facts Sheet; 13.45% is the page's rate for its 'Visa - Credit Card' (the page also lists a 9.45% Low Rate card the feed does not carry)",
        "Membership is open to team members of Woolworths and Endeavour Groups, their immediate family members, and those with an affinity to Woolworths Group.",
        "Membership limited to Woolworths Group and Endeavour Group team members and their families (the bank's membership form)",
        "$2 a month card fee, waived for members with loans or regular deposits",
        "foreign currency conversion fee 2.5% (the card page says 3%)",
        "cash advance fee $1.50 a transaction",
        "minimum credit limit $2,000",
        "up to 55 interest-free days on purchases 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": "S90",
      "product_name": "Visa Credit Card",
      "product_label": "Visa Credit Card",
      "product_slug": "visa-credit-card",
      "page": "/au/finance/credit-cards/cards/woolworths-team-bank/visa-credit-card/",
      "product_url": "https://woolworthsteambank.com.au",
      "terms_url": "https://woolworthsteambank.com.au",
      "fees_url": "https://woolworthsteambank.com.au/wp-content/uploads/2026/09/PDS_Fees_Charges_Transaction_Limits_2026_08.pdf",
      "eligibility_url": "https://woolworthsteambank.com.au",
      "card_type": "credit",
      "scheme": "visa",
      "tier": null,
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "description": "Visa Credit Card",
      "purchase_rate_pct": 13.45,
      "purchase_rate_is_base": null,
      "no_interest_card": null,
      "purchase_rate_range_pct": null,
      "purchase_rate_note": null,
      "cash_advance_rate_pct": 13.45,
      "intro_purchase_rate_pct": null,
      "intro_purchase_months": null,
      "interest_free_days": 55,
      "annual_fee": 24,
      "fee_period": "monthly",
      "fee_as_stated": 2,
      "annual_fee_stated": true,
      "annual_fee_note": null,
      "fee_name": null,
      "fee_offers": [],
      "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": null,
      "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": null,
      "min_credit_limit": 2000,
      "max_credit_limit": null,
      "min_income": null,
      "min_age": 18,
      "restrictions": [
        "occupation_membership"
      ],
      "who_can_open": {
        "restricted": true,
        "groups": [
          {
            "kind": "occupation",
            "who": "Membership limited to Woolworths Group and Endeavour Group team members and their families (the bank's membership form)",
            "level": "bank",
            "quote": "I'm a Woolworths Group or Endeavour Group team member",
            "source": "https://woolworthsteambank.snapforms.com.au/form/membership-form",
            "citation": {
              "quote": "I'm a Woolworths Group or Endeavour Group team member",
              "url": "https://woolworthsteambank.snapforms.com.au/form/membership-form#:~:text=I%27m%20a%20Woolworths%20Group%20or%20Endeavour%20Group%20team%20member",
              "document_sha256": "a966961aa842df59b15254dd67fda2f7132fb1ea77272f8fc772fb3c16a9db75",
              "confirmed": "2026-11-12"
            }
          }
        ],
        "open_note": null
      },
      "conditions": [
        "corrected from the bank's own page: a $2 monthly card fee, waived for members with loans or regular deposits, up to 55 interest-free days and a $2,000 minimum limit, per the bank's card page (\"Monthly card fee $2*\"; \"*Card fee is waived for members with loans or regular deposits into their account\") and Key Facts Sheet; 13.45% is the page's rate for its 'Visa - Credit Card' (the page also lists a 9.45% Low Rate card the feed does not carry)",
        "Membership is open to team members of Woolworths and Endeavour Groups, their immediate family members, and those with an affinity to Woolworths Group.",
        "Membership limited to Woolworths Group and Endeavour Group team members and their families (the bank's membership form)",
        "$2 a month card fee, waived for members with loans or regular deposits",
        "foreign currency conversion fee 2.5% (the card page says 3%)",
        "cash advance fee $1.50 a transaction",
        "minimum credit limit $2,000",
        "up to 55 interest-free days on purchases only"
      ],
      "eligibility": [
        "Membership is open to team members of Woolworths and Endeavour Groups, their immediate family members, and those with an affinity to Woolworths Group."
      ],
      "ranked": true,
      "unranked_reason": null,
      "rankings": [
        {
          "segment": "personal",
          "kind": "low_rate",
          "rank": 42,
          "of": 62,
          "hidden_by_default": true
        }
      ],
      "source_kind": "feed",
      "record_stale": false,
      "source_url": "https://online.woolworthsteambank.com.au/OpenBanking/cds-au/v1/banking/products/S90",
      "source_snapshot": "/au/finance/credit-cards/v1/source/woolworths-team-bank/S90.json",
      "snapshot_at": "2026-10-24T09:58:14Z",
      "bank_last_updated": "2025-08-26T11:59:05.000+10:00",
      "document_links_source": {
        "fees_url": "found by hand 2026-11-01: fees and charges",
        "key_facts_sheet_url": "found by hand 2026-11-01: Key Facts Sheet"
      },
      "key_facts_sheet_url": "https://woolworthsteambank.com.au/wp-content/uploads/2025/07/Credit%20Card%20Key%20Facts%202025.07.pdf",
      "correction": {
        "checked": "2026-11-01",
        "note": "a $2 monthly card fee, waived for members with loans or regular deposits, up to 55 interest-free days and a $2,000 minimum limit, per the bank's card page (\"Monthly card fee $2*\"; \"*Card fee is waived for members with loans or regular deposits into their account\") and Key Facts Sheet; 13.45% is the page's rate for its 'Visa - Credit Card' (the page also lists a 9.45% Low Rate card the feed does not carry)",
        "fields": [
          "annual_fee",
          "annual_fee_stated",
          "fee_as_stated",
          "fee_period",
          "interest_free_days",
          "min_credit_limit"
        ],
        "quotes": {
          "annual_fee": {
            "text": "Monthly card fee $2*",
            "url": "https://woolworthsteambank.com.au/credit-cards/",
            "citation": {
              "quote": "Monthly card fee $2*",
              "url": "https://woolworthsteambank.com.au/credit-cards/#:~:text=Monthly%20card%20fee%20%242%2A",
              "document_sha256": "3493b7e1c8202322c90a564e161b1eb13820f434f317e9bb2fca117f3cadb7e6",
              "confirmed": "2026-11-12"
            }
          },
          "waiver": {
            "text": "*Card fee is waived for members with loans or regular deposits into their account",
            "url": "https://woolworthsteambank.com.au/credit-cards/",
            "citation": {
              "quote": "*Card fee is waived for members with loans or regular deposits into their account",
              "url": "https://woolworthsteambank.com.au/credit-cards/#:~:text=%2ACard%20fee%20is%20waived%20for,regular%20deposits%20into%20their%20account",
              "document_sha256": "3493b7e1c8202322c90a564e161b1eb13820f434f317e9bb2fca117f3cadb7e6",
              "confirmed": "2026-11-12"
            }
          },
          "interest_free": {
            "text": "Interest free days Up to 55 days",
            "url": "https://woolworthsteambank.com.au/credit-cards/",
            "citation": {
              "quote": "Interest free days Up to 55 days",
              "url": "https://woolworthsteambank.com.au/credit-cards/#:~:text=Interest%20free%20days%20Up%20to%2055%20days",
              "document_sha256": "3493b7e1c8202322c90a564e161b1eb13820f434f317e9bb2fca117f3cadb7e6",
              "confirmed": "2026-11-12"
            }
          },
          "credit_limit": {
            "text": "Minimum credit limit $2,000.00",
            "url": "https://woolworthsteambank.com.au/wp-content/uploads/2025/07/Credit%20Card%20Key%20Facts%202025.07.pdf",
            "citation": {
              "quote": "Minimum credit limit $2,000.00",
              "url": "https://woolworthsteambank.com.au/wp-content/uploads/2025/07/Credit%20Card%20Key%20Facts%202025.07.pdf#page=1",
              "page": 1,
              "document_sha256": "b986e3b9860e7fb0d1130880b306d70b8e63c84806be7eff8f19a898ec3eddc8",
              "confirmed": "2026-11-12"
            }
          }
        },
        "verified": {
          "annual_fee": "found",
          "waiver": "found",
          "interest_free": "found",
          "credit_limit": "found"
        }
      },
      "from_issuer_page": [
        {
          "source": "correction",
          "fields": [
            "annual_fee",
            "interest_free_days",
            "min_credit_limit"
          ],
          "confirmed": "2026-11-12",
          "url": "https://woolworthsteambank.com.au/credit-cards/#:~:text=Monthly%20card%20fee%20%242%2A",
          "quote": "Monthly card fee $2*"
        },
        {
          "source": "watched_term",
          "fields": [
            "restrictions"
          ],
          "confirmed": "2026-11-12",
          "url": "https://woolworthsteambank.snapforms.com.au/form/membership-form#:~:text=I%27m%20a%20Woolworths%20Group%20or%20Endeavour%20Group%20team%20member",
          "quote": "I'm a Woolworths Group or Endeavour Group team member"
        }
      ]
    }
  ],
  "rows": [
    {
      "brand": "Woolworths Team Bank",
      "brand_label": "Woolworths Team Bank",
      "brand_slug": "woolworths-team-bank",
      "legal_entity_abn": "67087651803",
      "product_id": "S90",
      "product_name": "Visa Credit Card",
      "product_label": "Visa Credit Card",
      "product_slug": "visa-credit-card",
      "page": "/au/finance/credit-cards/cards/woolworths-team-bank/visa-credit-card/",
      "product_url": "https://woolworthsteambank.com.au",
      "terms_url": "https://woolworthsteambank.com.au",
      "fees_url": "https://woolworthsteambank.com.au/wp-content/uploads/2026/09/PDS_Fees_Charges_Transaction_Limits_2026_08.pdf",
      "eligibility_url": "https://woolworthsteambank.com.au",
      "card_type": "credit",
      "scheme": "visa",
      "tier": null,
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "purchase_rate_pct": 13.45,
      "purchase_rate_is_base": null,
      "no_interest_card": null,
      "purchase_rate_range_pct": null,
      "cash_advance_rate_pct": 13.45,
      "intro_purchase_rate_pct": null,
      "intro_purchase_months": null,
      "interest_free_days": 55,
      "annual_fee": 24,
      "fee_period": "monthly",
      "fee_as_stated": 2,
      "annual_fee_stated": true,
      "annual_fee_note": null,
      "fee_name": null,
      "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": 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": [],
      "instalment_plan": false,
      "additional_cards": null,
      "additional_cards_offered": null,
      "min_credit_limit": 2000,
      "max_credit_limit": null,
      "min_income": null,
      "min_age": 18,
      "restrictions": [
        "occupation_membership"
      ],
      "who_can_open": {
        "restricted": true,
        "groups": [
          {
            "kind": "occupation",
            "who": "Membership limited to Woolworths Group and Endeavour Group team members and their families (the bank's membership form)",
            "level": "bank",
            "quote": "I'm a Woolworths Group or Endeavour Group team member",
            "source": "https://woolworthsteambank.snapforms.com.au/form/membership-form",
            "citation": {
              "quote": "I'm a Woolworths Group or Endeavour Group team member",
              "url": "https://woolworthsteambank.snapforms.com.au/form/membership-form#:~:text=I%27m%20a%20Woolworths%20Group%20or%20Endeavour%20Group%20team%20member",
              "document_sha256": "a966961aa842df59b15254dd67fda2f7132fb1ea77272f8fc772fb3c16a9db75",
              "confirmed": "2026-11-12"
            }
          }
        ],
        "open_note": null
      },
      "conditions": [
        "corrected from the bank's own page: a $2 monthly card fee, waived for members with loans or regular deposits, up to 55 interest-free days and a $2,000 minimum limit, per the bank's card page (\"Monthly card fee $2*\"; \"*Card fee is waived for members with loans or regular deposits into their account\") and Key Facts Sheet; 13.45% is the page's rate for its 'Visa - Credit Card' (the page also lists a 9.45% Low Rate card the feed does not carry)",
        "Membership is open to team members of Woolworths and Endeavour Groups, their immediate family members, and those with an affinity to Woolworths Group.",
        "Membership limited to Woolworths Group and Endeavour Group team members and their families (the bank's membership form)",
        "$2 a month card fee, waived for members with loans or regular deposits",
        "foreign currency conversion fee 2.5% (the card page says 3%)",
        "cash advance fee $1.50 a transaction",
        "minimum credit limit $2,000",
        "up to 55 interest-free days on purchases only"
      ],
      "ranked": true,
      "unranked_reason": null,
      "source_kind": "feed",
      "record_stale": false,
      "source_url": "https://online.woolworthsteambank.com.au/OpenBanking/cds-au/v1/banking/products/S90",
      "source_snapshot": "/au/finance/credit-cards/v1/source/woolworths-team-bank/S90.json",
      "snapshot_at": "2026-11-12T02:36:08Z",
      "bank_last_updated": "2025-08-26T11:59:05.000+10:00",
      "document_links_source": {
        "fees_url": "found by hand 2026-11-01: fees and charges",
        "key_facts_sheet_url": "found by hand 2026-11-01: Key Facts Sheet"
      },
      "key_facts_sheet_url": "https://woolworthsteambank.com.au/wp-content/uploads/2025/07/Credit%20Card%20Key%20Facts%202025.07.pdf",
      "correction": {
        "checked": "2026-11-01",
        "note": "a $2 monthly card fee, waived for members with loans or regular deposits, up to 55 interest-free days and a $2,000 minimum limit, per the bank's card page (\"Monthly card fee $2*\"; \"*Card fee is waived for members with loans or regular deposits into their account\") and Key Facts Sheet; 13.45% is the page's rate for its 'Visa - Credit Card' (the page also lists a 9.45% Low Rate card the feed does not carry)",
        "fields": [
          "annual_fee",
          "annual_fee_stated",
          "fee_as_stated",
          "fee_period",
          "interest_free_days",
          "min_credit_limit"
        ],
        "quotes": {
          "annual_fee": {
            "text": "Monthly card fee $2*",
            "url": "https://woolworthsteambank.com.au/credit-cards/",
            "citation": {
              "quote": "Monthly card fee $2*",
              "url": "https://woolworthsteambank.com.au/credit-cards/#:~:text=Monthly%20card%20fee%20%242%2A",
              "document_sha256": "3493b7e1c8202322c90a564e161b1eb13820f434f317e9bb2fca117f3cadb7e6",
              "confirmed": "2026-11-12"
            }
          },
          "waiver": {
            "text": "*Card fee is waived for members with loans or regular deposits into their account",
            "url": "https://woolworthsteambank.com.au/credit-cards/",
            "citation": {
              "quote": "*Card fee is waived for members with loans or regular deposits into their account",
              "url": "https://woolworthsteambank.com.au/credit-cards/#:~:text=%2ACard%20fee%20is%20waived%20for,regular%20deposits%20into%20their%20account",
              "document_sha256": "3493b7e1c8202322c90a564e161b1eb13820f434f317e9bb2fca117f3cadb7e6",
              "confirmed": "2026-11-12"
            }
          },
          "interest_free": {
            "text": "Interest free days Up to 55 days",
            "url": "https://woolworthsteambank.com.au/credit-cards/",
            "citation": {
              "quote": "Interest free days Up to 55 days",
              "url": "https://woolworthsteambank.com.au/credit-cards/#:~:text=Interest%20free%20days%20Up%20to%2055%20days",
              "document_sha256": "3493b7e1c8202322c90a564e161b1eb13820f434f317e9bb2fca117f3cadb7e6",
              "confirmed": "2026-11-12"
            }
          },
          "credit_limit": {
            "text": "Minimum credit limit $2,000.00",
            "url": "https://woolworthsteambank.com.au/wp-content/uploads/2025/07/Credit%20Card%20Key%20Facts%202025.07.pdf",
            "citation": {
              "quote": "Minimum credit limit $2,000.00",
              "url": "https://woolworthsteambank.com.au/wp-content/uploads/2025/07/Credit%20Card%20Key%20Facts%202025.07.pdf#page=1",
              "page": 1,
              "document_sha256": "b986e3b9860e7fb0d1130880b306d70b8e63c84806be7eff8f19a898ec3eddc8",
              "confirmed": "2026-11-12"
            }
          }
        },
        "verified": {
          "annual_fee": "found",
          "waiver": "found",
          "interest_free": "found",
          "credit_limit": "found"
        }
      },
      "from_issuer_page": [
        {
          "source": "correction",
          "fields": [
            "annual_fee",
            "interest_free_days",
            "min_credit_limit"
          ],
          "confirmed": "2026-11-12",
          "url": "https://woolworthsteambank.com.au/credit-cards/#:~:text=Monthly%20card%20fee%20%242%2A",
          "quote": "Monthly card fee $2*"
        },
        {
          "source": "watched_term",
          "fields": [
            "restrictions"
          ],
          "confirmed": "2026-11-12",
          "url": "https://woolworthsteambank.snapforms.com.au/form/membership-form#:~:text=I%27m%20a%20Woolworths%20Group%20or%20Endeavour%20Group%20team%20member",
          "quote": "I'm a Woolworths Group or Endeavour Group team member"
        }
      ],
      "rate_pct": 13.45,
      "rankings": [
        {
          "segment": "personal",
          "kind": "low_rate",
          "rank": 42,
          "of": 62,
          "hidden_by_default": true
        }
      ]
    }
  ],
  "licence_shared_with": []
}