{ "segment": "personal", "kind": "low_rate", "ranked_by": "purchase_rate_pct ascending, then annual_fee (unstated last), then name", "generated_at": "2026-11-12T02:36:21Z", "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.", "coverage_note": "Covers the banks, credit unions and other card issuers on the Consumer Data Right register that publish credit cards, every rate and fee as the issuer's own feed states it, plus issuers that are not on the register (American Express, Zip's Zip Plus line of credit and Wizit's Wizitcard): their cards are read by hand from their own pages and Key Facts Sheets, each figure quoted from the sentence it came from and re-read daily (source_kind document). Latitude and other non-bank issuers are not here. Not every offer an issuer advertises is in its feed, and rewards points are not valued: the feeds name the programme, not what a point is worth.", "kinds_note": "kind low_rate ranks every credit card by its ongoing purchase rate, lowest first; no_annual_fee ranks the cards whose feed states a $0 annual (or monthly) card fee, by purchase rate; balance_transfer ranks the cards with a promotional balance transfer offer by the length of the offer, then its rate, fee and the rate it reverts to; rewards ranks the cards with a rewards programme by annual fee, lowest first, then purchase rate, because the feeds do not say what a point is worth. One entry per bank per slice. A card's annual_fee is the yearly figure: a monthly card fee is published as stated and multiplied by twelve.", "before_answering": "https://deepalmanac.com/au/finance/credit-cards/v1/questions.json lists what to ask the reader first (personal or business; whether they carry a balance, want no fee, have a balance to transfer or want rewards), which file answers each question and what each figure means. Read its commentary before quoting a card. bank_last_updated is when the bank last touched its CDR record (for an issuer with no feed, when its quoted sentences were last re-read and found). from_issuer_page[].confirmed is the last day the quoted sentence was found on the issuer's page, by the daily re-read or the hand check that added it; it is null, with last_confirmed, when the sentence has not been re-confirmed within its maximum age.", "note": "Every card that qualifies for this segment and kind, in the kind's order, not one per bank as best/ holds; rank is the card's place among all of them. cards leaves out student cards, companion cards and occupation-limited lenders; cards_hidden holds those, in the same order, to merge in for a reader who qualifies. Each card is cut to the fields the page's table shows, with at most six conditions; best/ and the card's own page carry the rest.", "one_per_bank": "https://deepalmanac.com/au/finance/credit-cards/v1/best/personal/low_rate.json", "card_count": 133, "cards": [ { "rank": 1, "brand": "CommBank", "brand_label": "CommBank", "brand_slug": "commbank", "product_id": "d34e453e721640f983c03922f567463a", "product_name": "Interest-free Low Fee credit card", "product_label": "Interest-free Low Fee Credit Card", "page": "/au/finance/credit-cards/cards/commbank/interest-free-low-fee-credit-card/", "product_url": "https://www.commbank.com.au/credit-cards/interest-free-low-fee.html", "terms_url": "https://www.commbank.com.au/personal/apply-online/download-printed-forms/008-188-interest-free-low-fee.pdf", "key_facts_sheet_url": "https://www.commbank.com.au/content/dam/commbank/personal/apply-online/download-printed-forms/008-196.pdf", "source_snapshot": "/au/finance/credit-cards/v1/source/commbank/d34e453e721640f983c03922f567463a.json", "card_type": "credit", "scheme": "mastercard", "segments": [ "personal" ], "kind": "low_rate", "purchase_rate_pct": 0.0, "purchase_rate_range_pct": null, "no_interest_card": true, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": null, "annual_fee": 120.0, "fee_period": "monthly", "fee_as_stated": 10.0, "annual_fee_stated": true, "annual_fee_note": null, "first_year_fee_waived": false, "min_credit_limit": 400.0, "max_credit_limit": 1500.0, "rewards_program": null, "conditions": [ "no interest is charged on purchases; the card costs $10.00 a month instead", "credit limit $400 to $1,500", "Applications for Interest-free Low fee credit card are subject to CBA's lending policy for new Low Cost Credit Contracts." ], "restrictions": [], "source_kind": "feed", "record_stale": false, "bank_last_updated": "2026-11-12T02:15:46.000Z", "from_issuer_page": null, "balance_transfer": null }, { "rank": 2, "brand": "CommBank", "brand_label": "CommBank", "brand_slug": "commbank", "product_id": "ce01a5a0965b45d281b624ff2e6d2f12", "product_name": "CommBank Neo Card", "product_label": "Neo Card", "page": "/au/finance/credit-cards/cards/commbank/neo-card/", "product_url": "https://www.commbank.com.au/credit-cards/commbank-neo.html", "terms_url": "https://www.commbank.com.au/content/dam/commbank/personal/apply-online/download-printed-forms/cc2-cou.pdf", "key_facts_sheet_url": "https://www.commbank.com.au/content/dam/commbank/personal/apply-online/download-printed-forms/cc-keyfacts.pdf", "source_snapshot": "/au/finance/credit-cards/v1/source/commbank/ce01a5a0965b45d281b624ff2e6d2f12.json", "card_type": "credit", "scheme": "mastercard", "segments": [ "personal" ], "kind": "low_rate", "purchase_rate_pct": 0.0, "purchase_rate_range_pct": null, "no_interest_card": true, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": null, "annual_fee": 180.0, "fee_period": "monthly", "fee_as_stated": 15.0, "annual_fee_stated": true, "annual_fee_note": "the feed lists several card fees; the lowest is shown, the others being $240.00 a year ($20.00 a month), $300.00 a year ($25.00 a month) (Monthly fee of $15, $20 or $25 depending on your credit limit. $15 per month for a $1,000 credit limit, $20 per month for a $2,000 credit limit or $25 per mont…)", "first_year_fee_waived": false, "min_credit_limit": 1000.0, "max_credit_limit": 3000.0, "rewards_program": null, "conditions": [ "no interest is charged on purchases; the card costs $15.00 a month instead", "the feed lists several card fees; the lowest is shown, the others being $240.00 a year ($20.00 a month), $300.00 a year ($25.00 a month) (Monthly fee of $15, $20 or $25 depending on your credit limit. $15 per month for a $1,000 credit limit, $20 per month for a $2,000 credit limit or $25 per mont…)", "credit limit $1,000 to $3,000", "Each application for credit is assessed on the ability of the applicant to service debt (limit) based on the financials supplied in the application.", "Applications for CommBank cards are subject to credit approval.", "cash advances are blocked on CommBank Neo" ], "restrictions": [], "source_kind": "feed", "record_stale": false, "bank_last_updated": "2026-11-12T02:15:46.000Z", "from_issuer_page": null, "balance_transfer": null }, { "rank": 3, "brand": "Credit Corp Financial Services Pty Limited trading as WizitMoney", "brand_label": "Wizit", "brand_slug": "wizit", "product_id": "wizitcard", "product_name": "Wizitcard", "product_label": "Wizitcard", "page": "/au/finance/credit-cards/cards/wizit/wizitcard/", "product_url": "https://wizit.money/wizitcard", "terms_url": null, "key_facts_sheet_url": "https://wizit.money/terms-and-conditions/wizitcard-key-facts-sheet", "source_snapshot": null, "card_type": "credit", "scheme": "mastercard", "segments": [ "personal" ], "kind": "low_rate", "purchase_rate_pct": 0.0, "purchase_rate_range_pct": null, "no_interest_card": true, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 0, "annual_fee": 228, "fee_period": "monthly", "fee_as_stated": 19, "annual_fee_stated": true, "annual_fee_note": "the Monthly fee is not charged in a statement period in which the account had a zero balance and the card was not used", "first_year_fee_waived": false, "min_credit_limit": 500, "max_credit_limit": 5000, "rewards_program": null, "conditions": [ "no interest is charged on purchases; the card costs $19.00 a month instead", "read from the issuer's own page and Key Facts Sheet correct as at 2026-09-14, each figure quoted and re-read daily", "the Monthly fee is not charged in a statement period in which the account had a zero balance and the card was not used", "a virtual Mastercard in the issuer's app, not a physical card", "credit limit $500 to $5,000", "cash advances are not offered" ], "restrictions": [], "source_kind": "document", "record_stale": false, "bank_last_updated": "2026-11-12T02:35:39+00:00", "from_issuer_page": [ { "source": "issuer_document", "fields": [ "purchase_rate_pct", "annual_fee", "interest_free_days", "cash_advance_rate_pct", "min_credit_limit", "max_credit_limit", "form", "document_date", "foreign_transaction_fee_pct" ], "confirmed": "2026-11-12", "url": "https://wizit.money/terms-and-conditions/wizitcard-key-facts-sheet#:~:text=Interest%20on%20purchases%200%25%20p.a.", "quote": "Interest on purchases 0% p.a." } ], "document_date": "2026-09-14", "checked": { "at": "2026-11-12T02:35:39+00:00", "quotes": { "purchase_rate": { "status": "found", "url": "https://wizit.money/terms-and-conditions/wizitcard-key-facts-sheet", "confirmed": "2026-11-12", "cite_url": "https://wizit.money/terms-and-conditions/wizitcard-key-facts-sheet#:~:text=Interest%20on%20purchases%200%25%20p.a.", "document_sha256": "46410514ef0ae1764af1361527959856dd415b40bb206013144a009531482a0a" }, "annual_fee": { "status": "found", "url": "https://wizit.money/wizitcard", "confirmed": "2026-11-12", "cite_url": "https://wizit.money/wizitcard#:~:text=Pay%20a%20flat%20%2419%20monthly%20fee.", "document_sha256": "cf2262671565632a35889ba93feb8ffa519d2f08f94dac0423b550d20e316026" }, "fee_waiver": { "status": "found", "url": "https://wizit.money/wizitcard", "confirmed": "2026-11-12", "cite_url": "https://wizit.money/wizitcard#:~:text=The%20monthly%20fee%20will%20not,the%20card%20was%20not%20used.", "document_sha256": "cf2262671565632a35889ba93feb8ffa519d2f08f94dac0423b550d20e316026" }, "interest_free_days": { "status": "found", "url": "https://wizit.money/terms-and-conditions/wizitcard-key-facts-sheet", "confirmed": "2026-11-12", "cite_url": "https://wizit.money/terms-and-conditions/wizitcard-key-facts-sheet#:~:text=Interest%20free%20period%20Not%20applicable", "document_sha256": "46410514ef0ae1764af1361527959856dd415b40bb206013144a009531482a0a" }, "cash_advance": { "status": "found", "url": "https://wizit.money/terms-and-conditions/wizitcard-key-facts-sheet", "confirmed": "2026-11-12", "cite_url": "https://wizit.money/terms-and-conditions/wizitcard-key-facts-sheet#:~:text=Cash%20advances%20are%20not%20available", "document_sha256": "46410514ef0ae1764af1361527959856dd415b40bb206013144a009531482a0a" }, "min_credit_limit": { "status": "found", "url": "https://wizit.money/terms-and-conditions/wizitcard-key-facts-sheet", "confirmed": "2026-11-12", "cite_url": "https://wizit.money/terms-and-conditions/wizitcard-key-facts-sheet#:~:text=Minimum%20credit%20limit%20%24500", "document_sha256": "46410514ef0ae1764af1361527959856dd415b40bb206013144a009531482a0a" }, "max_credit_limit": { "status": "found", "url": "https://wizit.money/wizitcard", "confirmed": "2026-11-12", "cite_url": "https://wizit.money/wizitcard#:~:text=Now%20access%20up%20to%20%245%2C000%20with%200%25%20interest%20on%20purchases.", "document_sha256": "cf2262671565632a35889ba93feb8ffa519d2f08f94dac0423b550d20e316026" }, "virtual_card": { "status": "found", "url": "https://wizit.money/wizitcard", "confirmed": "2026-11-12", "cite_url": "https://wizit.money/wizitcard#:~:text=You%20don%E2%80%99t%20need%20a%20physical%20card%20to%20shop.", "document_sha256": "cf2262671565632a35889ba93feb8ffa519d2f08f94dac0423b550d20e316026" }, "kfs_date": { "status": "found", "url": "https://wizit.money/terms-and-conditions/wizitcard-key-facts-sheet", "confirmed": "2026-11-12", "cite_url": "https://wizit.money/terms-and-conditions/wizitcard-key-facts-sheet#:~:text=Correct%20as%20at%3A%2014%2F09%2F2026", "document_sha256": "46410514ef0ae1764af1361527959856dd415b40bb206013144a009531482a0a" }, "issuer.issuer": { "status": "found", "url": "https://wizit.money/wizitcard", "confirmed": "2026-11-12", "cite_url": "https://wizit.money/wizitcard#:~:text=Credit%20Corp%20Financial%20Services%20Pty,706%29%20Australian%20Credit%20Licence%20%28400871%29", "document_sha256": "cf2262671565632a35889ba93feb8ffa519d2f08f94dac0423b550d20e316026" }, "issuer.foreign_transaction_fee": { "status": "found", "url": "https://wizit.money/wizitcard", "confirmed": "2026-11-12", "cite_url": "https://wizit.money/wizitcard#:~:text=The%20fee%20is%20equal%20to,dollar%20value%20of%20the%20transaction.", "document_sha256": "cf2262671565632a35889ba93feb8ffa519d2f08f94dac0423b550d20e316026" } } }, "balance_transfer": null }, { "rank": 4, "brand": "Unity Bank", "brand_label": "Unity Bank", "brand_slug": "unity-bank", "product_id": "S80_LOW_RATE_CREDIT_CARD", "product_name": "Low Rate Visa Credit Card", "product_label": "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/", "key_facts_sheet_url": null, "source_snapshot": "/au/finance/credit-cards/v1/source/unity-bank/S80_LOW_RATE_CREDIT_CARD.json", "card_type": "credit", "scheme": "visa", "segments": [ "personal" ], "kind": "low_rate", "purchase_rate_pct": 7.49, "purchase_rate_range_pct": null, "no_interest_card": null, "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, "first_year_fee_waived": false, "min_credit_limit": 1000.0, "max_credit_limit": 75000.0, "rewards_program": null, "conditions": [ "credit limit $1,000 to $75,000" ], "restrictions": [], "source_kind": "feed", "record_stale": false, "bank_last_updated": "2026-09-14T10:49:01.000+10:00", "from_issuer_page": null, "balance_transfer": null }, { "rank": 5, "brand": "Defence Bank", "brand_label": "Defence Bank", "brand_slug": "defence-bank", "product_id": "552", "product_name": "Defence Bank Foundation Credit Card", "product_label": "Foundation Credit Card", "page": "/au/finance/credit-cards/cards/defence-bank/foundation-credit-card/", "product_url": "https://www.defencebank.com.au/creditcard", "terms_url": "https://www.defencebank.com.au/globalassets/documents/legal--compliance/disclosure-documents/defence-bank-products-and-services-conditions-of-use.pdf", "key_facts_sheet_url": "https://www.defencebank.com.au/globalassets/documents/credit-cards/defence-bank-foundation-credit-card---key-facts-sheet.pdf", "source_snapshot": "/au/finance/credit-cards/v1/source/defence-bank/552.json", "card_type": "credit", "scheme": "visa", "segments": [ "personal" ], "kind": "low_rate", "purchase_rate_pct": 8.99, "purchase_rate_range_pct": null, "no_interest_card": null, "intro_purchase_rate_pct": 3.99, "intro_purchase_months": 6, "interest_free_days": 55, "annual_fee": 45.0, "fee_period": "annual", "fee_as_stated": 45.0, "annual_fee_stated": true, "annual_fee_note": null, "first_year_fee_waived": false, "min_credit_limit": null, "max_credit_limit": null, "rewards_program": null, "conditions": [ "corrected from the bank's own page: 8.99% on purchases and cash advances, a $45 annual fee, and 3.99% for the first six months on purchases, balance transfers and cash advances (rates current as at 15 July 2026)", "the feed labels the card's rate as a variable rate rather than a purchase rate", "3.99% on purchases for the first 6 months, then the purchase rate", "$20 late payment fee; cash advance fee from $4.10" ], "restrictions": [], "source_kind": "feed", "record_stale": false, "bank_last_updated": "2026-03-16T00:00:00.000+11:00", "from_issuer_page": [ { "source": "correction", "fields": [ "cash_advance_rate_pct", "bt_promo_rate_pct", "bt_promo_months", "bt_revert_rate_pct" ], "confirmed": "2026-11-12", "url": "https://www.defencebank.com.au/creditcard#:~:text=3.99%25%20p.a.%20six%20month%20introductory,transfers%2C%20purchases%20and%20cash%20advances", "quote": "3.99% p.a. six month introductory rate on balance transfers, purchases and cash advances" } ], "balance_transfer": { "promo_rate_pct": 3.99, "promo_months": 6, "fee_pct": null, "revert_rate_pct": 8.99, "revert_to": "cash_advance" } }, { "rank": 6, "brand": "Auswide Bank Ltd", "brand_label": "Auswide Bank", "brand_slug": "auswide-bank-ltd", "product_id": "02ef924b-4492-49bf-b248-5571909c10c1", "product_name": "LOW RATE VISA CREDIT CARD", "product_label": "Low Rate Visa Credit Card", "page": "/au/finance/credit-cards/cards/auswide-bank-ltd/low-rate-visa-credit-card/", "product_url": "https://auswidebank.com.au/banking/credit-cards/low-rate-visa-credit-card/", "terms_url": "https://auswidebank.com.au/reusable-documents/terms-conditions-and-disclosure-documents/credit-cards-low-rate-visa/low-rate-visa-credit-card-terms-conditions/", "key_facts_sheet_url": "https://auswidebank.com.au/reusable-documents/fees-charges/credit-cards/credit-card-key-fact-sheet-0623/", "source_snapshot": "/au/finance/credit-cards/v1/source/auswide-bank-ltd/02ef924b-4492-49bf-b248-5571909c10c1.json", "card_type": "credit", "scheme": "visa", "segments": [ "personal" ], "kind": "low_rate", "purchase_rate_pct": 9.74, "purchase_rate_range_pct": null, "no_interest_card": null, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 55, "annual_fee": 50.0, "fee_period": "annual", "fee_as_stated": 50.0, "annual_fee_stated": true, "annual_fee_note": null, "first_year_fee_waived": false, "min_credit_limit": 500.0, "max_credit_limit": 50000.0, "rewards_program": null, "conditions": [ "credit limit $500 to $50,000", "$20 late payment fee", "3% currency conversion fee on transactions not in Australian dollars", "$3.50 fee per cash advance", "0% balance transfers for 12 months, reverting to the purchase rate; no interest-free days on purchases while a balance transfer is owed" ], "restrictions": [], "source_kind": "feed", "record_stale": false, "bank_last_updated": "2026-06-24T16:11:08.000+10:00", "from_issuer_page": null, "balance_transfer": null }, { "rank": 7, "brand": "Westpac", "brand_label": "Westpac", "brand_slug": "westpac", "product_id": "CCLite", "product_name": "Westpac Lite Card", "product_label": "Lite Card", "page": "/au/finance/credit-cards/cards/westpac/lite-card/", "product_url": "https://www.westpac.com.au/credit-cards/low-rate-cards/westpac-lite-card", "terms_url": "https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/westpac-credit-card-terms-and-conditions.pdf", "key_facts_sheet_url": "https://www.westpac.com.au/credit-cards/credit-cards-fact-sheet", "source_snapshot": "/au/finance/credit-cards/v1/source/westpac/CCLite.json", "card_type": "credit", "scheme": "mastercard", "segments": [ "personal" ], "kind": "low_rate", "purchase_rate_pct": 9.9, "purchase_rate_range_pct": null, "no_interest_card": null, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 45, "annual_fee": 108.0, "fee_period": "monthly", "fee_as_stated": 9.0, "annual_fee_stated": true, "annual_fee_note": null, "first_year_fee_waived": false, "min_credit_limit": 1000.0, "max_credit_limit": 20000.0, "rewards_program": null, "conditions": [ "credit limit $1,000 to $20,000", "minimum income $30,000 a year", "Customer having a regular, verifiable Australian taxable income.", "Customer having a fixed, verifiable residential address in Australia.", "cash advances not available", "balance transfers not available" ], "restrictions": [], "source_kind": "feed", "record_stale": false, "bank_last_updated": "2026-10-29T02:41:55Z", "from_issuer_page": null, "balance_transfer": null }, { "rank": 8, "brand": "Greater Bank", "brand_label": "Greater Bank", "brand_slug": "greater-bank", "product_id": "3220", "product_name": "Visa Credit Card", "product_label": "Visa Credit Card", "page": "/au/finance/credit-cards/cards/greater-bank/visa-credit-card/", "product_url": "https://www.greater.com.au/personal/credit-cards/visa-credit-card/", "terms_url": "https://www.greater.com.au/termsandconditions", "key_facts_sheet_url": null, "source_snapshot": "/au/finance/credit-cards/v1/source/greater-bank/3220.json", "card_type": "credit", "scheme": "visa", "segments": [ "personal" ], "kind": "low_rate", "purchase_rate_pct": 9.95, "purchase_rate_range_pct": null, "no_interest_card": null, "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, "first_year_fee_waived": false, "min_credit_limit": 1000.0, "max_credit_limit": 25000.0, "rewards_program": null, "conditions": [ "credit limit $1,000 to $25,000", "Applicants must meet applicable identification requirements and lending criteria, including demonstrating an ability to afford repayments.", "employment status: Have a demonstrated ability to afford repayments" ], "restrictions": [], "source_kind": "feed", "record_stale": false, "bank_last_updated": "2026-11-04T13:00:00Z", "from_issuer_page": null, "balance_transfer": null }, { "rank": 9, "brand": "CommFCU", "brand_label": "Community First Bank", "brand_slug": "commfcu", "product_id": "S6-LRCC", "product_name": "LOW RATE CREDIT CARD", "product_label": "Low Rate Credit Card", "page": "/au/finance/credit-cards/cards/commfcu/low-rate-credit-card/", "product_url": "https://communityfirst.com.au/personal/banking/credit-cards", "terms_url": "https://communityfirst.com.au/support/important-information/disclosure-documents", "key_facts_sheet_url": "https://cms.communityfirst.com.au/wp-content/uploads/2026/08/Low-Rate-Credit-Card-Key-Fact-Sheet_20260901.pdf", "source_snapshot": "/au/finance/credit-cards/v1/source/commfcu/S6-LRCC.json", "card_type": "credit", "scheme": "visa", "segments": [ "personal" ], "kind": "low_rate", "purchase_rate_pct": 9.99, "purchase_rate_range_pct": null, "no_interest_card": null, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 55, "annual_fee": 50.0, "fee_period": "annual", "fee_as_stated": 50.0, "annual_fee_stated": true, "annual_fee_note": null, "first_year_fee_waived": false, "min_credit_limit": 500.0, "max_credit_limit": null, "rewards_program": null, "conditions": [ "interest is charged on purchases while a balance transfer is outstanding", "Australian citizen or permanent resident with a regular income, more than 6 months in the current job, no defaults in 5 years, not bankrupt", "Australian citizen or permanent resident only" ], "restrictions": [], "source_kind": "feed", "record_stale": false, "bank_last_updated": "2026-10-06T15:31:28.000+11:00", "from_issuer_page": null, "balance_transfer": null }, { "rank": 10, "brand": "Coastline Bank", "brand_label": "Coastline Bank", "brand_slug": "coastline-bank", "product_id": "21", "product_name": "Visa Credit Card", "product_label": "Visa Credit Card", "page": "/au/finance/credit-cards/cards/coastline-bank/visa-credit-card/", "product_url": "https://www.coastline.com.au/personal/visa-credit-card", "terms_url": "https://cdn.sanity.io/files/djf521sf/production/7b2f7389cbdab671e3e98f77ef7a70058406b8ce.pdf", "key_facts_sheet_url": "https://cdn.sanity.io/files/djf521sf/production/933d4d57eb4310f6c08643a39c37305dd01035b0.pdf", "source_snapshot": "/au/finance/credit-cards/v1/source/coastline-bank/21.json", "card_type": "credit", "scheme": "visa", "segments": [ "personal" ], "kind": "low_rate", "purchase_rate_pct": 10.24, "purchase_rate_range_pct": null, "no_interest_card": null, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 55, "annual_fee": 0, "fee_period": "annual", "fee_as_stated": 0, "annual_fee_stated": true, "annual_fee_note": null, "first_year_fee_waived": false, "min_credit_limit": 500.0, "max_credit_limit": null, "rewards_program": null, "conditions": [ "corrected from the bank's own page: no annual fee, per the bank's card page (\"No annual fees\") and Key Facts Sheet; the feed states no card fee", "0.00% on balance transfers for 6 months", "no annual fee; cash advance fee $3.50; Visa international transaction fee 3.65%", "no balance transfer fee on the 6-month 0% offer" ], "restrictions": [], "source_kind": "feed", "record_stale": false, "bank_last_updated": "2026-10-14T14:00:14.4205168Z", "from_issuer_page": [ { "source": "correction", "fields": [ "annual_fee" ], "confirmed": "2026-11-12", "url": "https://www.coastline.com.au/personal/visa-credit-card#:~:text=No%20annual%20fees", "quote": "No annual fees" } ], "balance_transfer": { "promo_rate_pct": 0.0, "promo_months": 6, "fee_pct": null, "revert_rate_pct": null, "revert_to": null } }, { "rank": 11, "brand": "Coastline Bank", "brand_label": "Coastline Bank", "brand_slug": "coastline-bank", "product_id": "25", "product_name": "Visa Credit Card", "product_label": "Visa Credit Card (2)", "page": "/au/finance/credit-cards/cards/coastline-bank/visa-credit-card-2/", "product_url": "https://www.coastline.com.au/personal/visa-credit-card", "terms_url": "https://cdn.sanity.io/files/djf521sf/production/7b2f7389cbdab671e3e98f77ef7a70058406b8ce.pdf", "key_facts_sheet_url": "https://cdn.sanity.io/files/djf521sf/production/933d4d57eb4310f6c08643a39c37305dd01035b0.pdf", "source_snapshot": "/au/finance/credit-cards/v1/source/coastline-bank/25.json", "card_type": "credit", "scheme": "visa", "segments": [ "personal" ], "kind": "low_rate", "purchase_rate_pct": 10.24, "purchase_rate_range_pct": null, "no_interest_card": null, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 55, "annual_fee": 0, "fee_period": "annual", "fee_as_stated": 0, "annual_fee_stated": true, "annual_fee_note": null, "first_year_fee_waived": false, "min_credit_limit": 500.0, "max_credit_limit": null, "rewards_program": null, "conditions": [ "corrected from the bank's own page: no annual fee, per the bank's card page (\"No annual fees\") and Key Facts Sheet; the feed states no card fee", "0.00% on balance transfers for 6 months", "no annual fee; cash advance fee $3.50; Visa international transaction fee 3.65%", "no balance transfer fee on the 6-month 0% offer" ], "restrictions": [], "source_kind": "feed", "record_stale": false, "bank_last_updated": "2026-10-14T14:00:14.4205168Z", "from_issuer_page": [ { "source": "correction", "fields": [ "annual_fee" ], "confirmed": "2026-11-12", "url": "https://www.coastline.com.au/personal/visa-credit-card#:~:text=No%20annual%20fees", "quote": "No annual fees" } ], "balance_transfer": { "promo_rate_pct": 0.0, "promo_months": 6, "fee_pct": null, "revert_rate_pct": null, "revert_to": null } }, { "rank": 12, "brand": "First Option Bank", "brand_label": "First Option Bank", "brand_slug": "first-option-bank", "product_id": "VISA_CREDIT_CARD", "product_name": "VISA CREDIT CARD", "product_label": "Visa Credit Card", "page": "/au/finance/credit-cards/cards/first-option-bank/visa-credit-card/", "product_url": "https://www.firstoptionbank.com.au/credit-card/", "terms_url": "https://firstoptionbank.com.au/disclosure-statements/", "key_facts_sheet_url": "https://firstoptionbank.com.au/wp-content/uploads/2024/01/Low-Rate_Visa_Credit_Card_Key_Fact_Sheet.pdf", "source_snapshot": "/au/finance/credit-cards/v1/source/first-option-bank/VISA_CREDIT_CARD.json", "card_type": "credit", "scheme": "visa", "segments": [ "personal" ], "kind": "low_rate", "purchase_rate_pct": 10.49, "purchase_rate_range_pct": null, "no_interest_card": null, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 45, "annual_fee": 48.0, "fee_period": "annual", "fee_as_stated": 48.0, "annual_fee_stated": true, "annual_fee_note": null, "first_year_fee_waived": false, "min_credit_limit": 500.0, "max_credit_limit": null, "rewards_program": null, "conditions": [ "no late payment fee", "0.25% of card spending is given to conservation projects at no cost to the cardholder" ], "restrictions": [], "source_kind": "feed", "record_stale": false, "bank_last_updated": "2026-06-02T12:56:29.000+10:00", "from_issuer_page": null, "balance_transfer": null }, { "rank": 13, "brand": "Border Bank", "brand_label": "Border Bank", "brand_slug": "border-bank", "product_id": "911351e1-56ff-47b2-a31f-2e2730db41ef", "product_name": "Credit Card", "product_label": "Credit Card", "page": "/au/finance/credit-cards/cards/border-bank/credit-card/", "product_url": "https://www.borderbank.com.au/forms/visa-cards", "terms_url": "https://www.borderbank.com.au/important-documents", "key_facts_sheet_url": "https://cdn.mediavalet.com/aunsw/policebank/9NizEJ4CIkWqSrSpHGDkHw/abyIKFGQAkWZvS8n0D8GqA/Original/BB-ADF12_Key-Facts-Credit-Card-Sheet.pdf", "source_snapshot": "/au/finance/credit-cards/v1/source/border-bank/911351e1-56ff-47b2-a31f-2e2730db41ef.json", "card_type": "credit", "scheme": "visa", "segments": [ "personal" ], "kind": "low_rate", "purchase_rate_pct": 10.76, "purchase_rate_range_pct": null, "no_interest_card": null, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 55, "annual_fee": 30.0, "fee_period": "annual", "fee_as_stated": 30.0, "annual_fee_stated": true, "annual_fee_note": null, "first_year_fee_waived": false, "min_credit_limit": null, "max_credit_limit": null, "rewards_program": null, "conditions": [ "minimum credit limit $1,000", "annual fee waived in the first year", "must be or become a Border Bank member, 18 or over, living in Australia (citizen, permanent or specified temporary resident, or NZ citizen) or an Australian citizen working overseas" ], "restrictions": [], "source_kind": "feed", "record_stale": false, "bank_last_updated": "2026-07-29T00:55:44.876Z", "from_issuer_page": null, "balance_transfer": null }, { "rank": 14, "brand": "Police Bank", "brand_label": "Police Bank", "brand_slug": "police-bank", "product_id": "c2455d26-e138-4804-b59f-eccfef6df1ee", "product_name": "Credit Card", "product_label": "Credit Card", "page": "/au/finance/credit-cards/cards/police-bank/credit-card/", "product_url": "https://www.policebank.com.au/credit-card", "terms_url": null, "key_facts_sheet_url": null, "source_snapshot": "/au/finance/credit-cards/v1/source/police-bank/c2455d26-e138-4804-b59f-eccfef6df1ee.json", "card_type": "credit", "scheme": "visa", "segments": [ "personal" ], "kind": "low_rate", "purchase_rate_pct": 10.76, "purchase_rate_range_pct": null, "no_interest_card": null, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 55, "annual_fee": 30.0, "fee_period": "annual", "fee_as_stated": 30.0, "annual_fee_stated": true, "annual_fee_note": null, "first_year_fee_waived": false, "min_credit_limit": null, "max_credit_limit": null, "rewards_program": null, "conditions": [ "$30 annual fee waived in the first year", "minimum credit limit $1,000" ], "restrictions": [], "source_kind": "feed", "record_stale": false, "bank_last_updated": "2026-07-28T22:48:34.353Z", "from_issuer_page": null, "balance_transfer": null }, { "rank": 15, "brand": "American Express Australia Limited", "brand_label": "American Express", "brand_slug": "american-express", "product_id": "amex-low-rate", "product_name": "The Low Rate Credit Card from American Express", "product_label": "Low Rate Credit Card", "page": "/au/finance/credit-cards/cards/american-express/low-rate-credit-card/", "product_url": "https://www.americanexpress.com/au/credit-cards/low-rate-credit-card/", "terms_url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/Credit_Card_Conditions.pdf", "key_facts_sheet_url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Prop.pdf", "source_snapshot": null, "card_type": "credit", "scheme": "amex", "segments": [ "personal" ], "kind": "low_rate", "purchase_rate_pct": 10.99, "purchase_rate_range_pct": null, "no_interest_card": null, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 55, "annual_fee": 0, "fee_period": "annual", "fee_as_stated": 0, "annual_fee_stated": true, "annual_fee_note": null, "first_year_fee_waived": false, "min_credit_limit": 1000, "max_credit_limit": null, "rewards_program": null, "conditions": [ "read from the issuer's own page and Key Facts Sheet correct as at 2024-04-30, each figure quoted and re-read daily", "cash advances are not offered", "for incomes of at least $30,000 a year (its target market)", "aged 18 or over; Australian citizen, permanent resident or long-term visa holder" ], "restrictions": [], "source_kind": "document", "record_stale": false, "bank_last_updated": "2026-11-12T02:35:39+00:00", "from_issuer_page": [ { "source": "issuer_document", "fields": [ "annual_fee", "purchase_rate_pct", "interest_free_days", "document_date", "min_credit_limit", "late_payment_fee", "cash_advance_rate_pct", "foreign_transaction_fee_pct" ], "confirmed": "2026-11-12", "url": "https://www.americanexpress.com/au/credit-cards/low-rate-credit-card/#:~:text=Interest%20Rate%2010.99%25%20p.a.%20on%20purchases", "quote": "Interest Rate 10.99% p.a. on purchases" } ], "document_date": "2024-04-30", "checked": { "at": "2026-11-12T02:35:39+00:00", "quotes": { "annual_fee": { "status": "found", "url": "https://www.americanexpress.com/au/credit-cards/low-rate-credit-card/", "confirmed": "2026-11-12", "cite_url": "https://www.americanexpress.com/au/credit-cards/low-rate-credit-card/#:~:text=Annual%20Fee%20%240%20p.a.", "document_sha256": "aee918785e21552c18ab0f12c5535a5048bd18743ca168049499b27592bcb827" }, "purchase_rate": { "status": "found", "url": "https://www.americanexpress.com/au/credit-cards/low-rate-credit-card/", "confirmed": "2026-11-12", "cite_url": "https://www.americanexpress.com/au/credit-cards/low-rate-credit-card/#:~:text=Interest%20Rate%2010.99%25%20p.a.%20on%20purchases", "document_sha256": "aee918785e21552c18ab0f12c5535a5048bd18743ca168049499b27592bcb827" }, "interest_free_days": { "status": "found", "url": "https://www.americanexpress.com/au/credit-cards/low-rate-credit-card/", "confirmed": "2026-11-12", "cite_url": "https://www.americanexpress.com/au/credit-cards/low-rate-credit-card/#:~:text=Interest%20Free%20Period%20Up%20to%2055%20days", "document_sha256": "aee918785e21552c18ab0f12c5535a5048bd18743ca168049499b27592bcb827" }, "kfs_date": { "status": "found", "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Prop.pdf", "confirmed": "2026-11-12", "cite_url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Prop.pdf#page=1", "page": 1, "document_sha256": "e754f00b49f5e80fe840e7e9734cbbfa06e4df668bcb76d3d9fec56d84b9e8eb" }, "min_credit_limit": { "status": "found", "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Prop.pdf", "confirmed": "2026-11-12", "cite_url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Prop.pdf#page=1", "page": 1, "document_sha256": "e754f00b49f5e80fe840e7e9734cbbfa06e4df668bcb76d3d9fec56d84b9e8eb" }, "late_payment_fee": { "status": "found", "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Prop.pdf", "confirmed": "2026-11-12", "cite_url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Prop.pdf#page=1", "page": 1, "document_sha256": "e754f00b49f5e80fe840e7e9734cbbfa06e4df668bcb76d3d9fec56d84b9e8eb" }, "cash_advance": { "status": "found", "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Prop.pdf", "confirmed": "2026-11-12", "cite_url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Prop.pdf#page=1", "page": 1, "document_sha256": "e754f00b49f5e80fe840e7e9734cbbfa06e4df668bcb76d3d9fec56d84b9e8eb" }, "issuer.foreign_transaction_fee": { "status": "found", "url": "https://www.americanexpress.com/au/credit-cards/about-credit-cards/fees/", "confirmed": "2026-11-12", "cite_url": "https://www.americanexpress.com/au/credit-cards/about-credit-cards/fees/#:~:text=Currency%20Conversion%20Fee%20Effective%20from,3.5%25%20of%20the%20converted%20amount", "document_sha256": "e8b498ee2e62259b19444a73450d9f4112d286b6bae0798bd6fa020ea6675275" }, "issuer.late_payment_fee_charge_cards": { "status": "found", "url": "https://www.americanexpress.com/au/credit-cards/about-credit-cards/fees/", "confirmed": "2026-11-12", "cite_url": "https://www.americanexpress.com/au/credit-cards/about-credit-cards/fees/#:~:text=Late%20Payment%20Fee%20%2430%20Three,charged%20on%20any%20overdue%20amount.", "document_sha256": "e8b498ee2e62259b19444a73450d9f4112d286b6bae0798bd6fa020ea6675275" } } }, "balance_transfer": null }, { "rank": 16, "brand": "Bank First", "brand_label": "Bank First", "brand_slug": "bank-first", "product_id": "22e0e7ff-db3f-4934-9c47-730ac3a1b980", "product_name": "Platinum Credit Card", "product_label": "Platinum Credit Card", "page": "/au/finance/credit-cards/cards/bank-first/platinum-credit-card/", "product_url": "https://www.bankfirst.com.au/bank-accounts/credit-cards/visa-platinum", "terms_url": "https://cdn.intelligencebank.com/au/share/e3Gq6M/k77y1/733RL/original/Visa_Credit_Card_Terms_and_Conditions", "key_facts_sheet_url": "https://cdn.intelligencebank.com/au/share/e3Gq6M/a77v7/bllwo/original/Key-Facts-About-Credit-Cards", "source_snapshot": "/au/finance/credit-cards/v1/source/bank-first/22e0e7ff-db3f-4934-9c47-730ac3a1b980.json", "card_type": "credit", "scheme": "visa", "segments": [ "personal" ], "kind": "low_rate", "purchase_rate_pct": 11.49, "purchase_rate_range_pct": null, "no_interest_card": null, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 55, "annual_fee": 99.0, "fee_period": "annual", "fee_as_stated": 99.0, "annual_fee_stated": true, "annual_fee_note": null, "first_year_fee_waived": false, "min_credit_limit": 6000.0, "max_credit_limit": null, "rewards_program": null, "conditions": [ "credit limit from $6,000", "Available to members only.", "a further $20 arrears fee once a repayment is 30 days overdue", "no currency conversion fee: the 3% fee is refunded on the Platinum card", "Australian or NZ citizens, permanent residents or eligible visa holders, 18 or over" ], "restrictions": [], "source_kind": "feed", "record_stale": false, "bank_last_updated": "2026-06-15T23:24:20.344287Z", "from_issuer_page": null, "balance_transfer": null }, { "rank": 17, "brand": "BCU Bank", "brand_label": "BCU Bank", "brand_slug": "bcu-bank", "product_id": "162", "product_name": "Classic Credit Card", "product_label": "Classic Credit Card", "page": "/au/finance/credit-cards/cards/bcu-bank/classic-credit-card/", "product_url": "https://www.bcu.com.au/cards/credit-cards/classic-credit-card/", "terms_url": "https://www.bcu.com.au/important-information/terms-and-conditions/credit-card-conditions-of-use/", "key_facts_sheet_url": "https://www.bcu.com.au/important-information/terms-and-conditions/credit-card-key-facts-sheet/", "source_snapshot": "/au/finance/credit-cards/v1/source/bcu-bank/162.json", "card_type": "credit", "scheme": "visa", "segments": [ "personal" ], "kind": "low_rate", "purchase_rate_pct": 11.95, "purchase_rate_range_pct": null, "no_interest_card": null, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 52, "annual_fee": 45.0, "fee_period": "annual", "fee_as_stated": 45.0, "annual_fee_stated": true, "annual_fee_note": null, "first_year_fee_waived": false, "min_credit_limit": 500.0, "max_credit_limit": 100000.0, "rewards_program": null, "conditions": [ "credit limit $500 to $100,000", "Credit eligibilty criteria, terms and conditions, fees and charges apply.", "You must be or become a BCU Bank member", "3% foreign currency conversion fee", "interest-free only when the month-end balance is paid in full by the 21st of the next month" ], "restrictions": [], "source_kind": "feed", "record_stale": false, "bank_last_updated": "2026-07-10T14:00:53.0189421Z", "from_issuer_page": null, "balance_transfer": null }, { "rank": 18, "brand": "Hume Bank", "brand_label": "Hume Bank", "brand_slug": "hume-bank", "product_id": "S31V1", "product_name": "Visa Value", "product_label": "Visa Value", "page": "/au/finance/credit-cards/cards/hume-bank/visa-value/", "product_url": "https://www.humebank.com.au/personal/credit-cards/hume-value-visa", "terms_url": "https://www.humebank.com.au/tools-help/product-tcs/", "key_facts_sheet_url": "https://www.humebank.com.au/media/2023/03/Key-Facts-About-This-Credit-Card-Personal.pdf", "source_snapshot": "/au/finance/credit-cards/v1/source/hume-bank/S31V1.json", "card_type": "credit", "scheme": "visa", "segments": [ "personal" ], "kind": "low_rate", "purchase_rate_pct": 11.95, "purchase_rate_range_pct": null, "no_interest_card": null, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 55, "annual_fee": null, "fee_period": null, "fee_as_stated": null, "annual_fee_stated": false, "annual_fee_note": "the feed lists no annual or monthly card fee, so none is claimed", "first_year_fee_waived": false, "min_credit_limit": 500.0, "max_credit_limit": 20000.0, "rewards_program": null, "conditions": [ "not updated by the bank since 2026-05-01; check its page, as the rate or fee may have changed", "credit limit $500 to $20,000", "2.85% foreign conversion fee on transactions in a currency other than Australian dollars", "$20 late payment fee", "no annual fee" ], "restrictions": [], "source_kind": "feed", "record_stale": true, "bank_last_updated": "2026-05-01T11:46:38.000+10:00", "from_issuer_page": null, "balance_transfer": null }, { "rank": 19, "brand": "Australian Military Bank", "brand_label": "Australian Military Bank", "brand_slug": "australian-military-bank", "product_id": "e1f63c50-20bb-457a-8fee-da684c281a0a", "product_name": "Low Rate Visa Credit Card", "product_label": "Low Rate Visa Credit Card", "page": "/au/finance/credit-cards/cards/australian-military-bank/low-rate-visa-credit-card/", "product_url": "https://www.australianmilitarybank.com.au/credit-card/low-rate-visa-card", "terms_url": "https://assets.australianmilitarybank.com.au/Credit_Card_T_Cs_Website_AMB_15092026_a025ce625f.pdf", "key_facts_sheet_url": "https://assets.australianmilitarybank.com.au/Credit_Card_Key_Facts_Sheet_AMB_15092026_FINAL_ff023c9593.pdf", "source_snapshot": "/au/finance/credit-cards/v1/source/australian-military-bank/e1f63c50-20bb-457a-8fee-da684c281a0a.json", "card_type": "credit", "scheme": "mastercard", "segments": [ "personal" ], "kind": "low_rate", "purchase_rate_pct": 11.99, "purchase_rate_range_pct": null, "no_interest_card": null, "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, "first_year_fee_waived": false, "min_credit_limit": 2000.0, "max_credit_limit": 50000.0, "rewards_program": null, "conditions": [ "corrected from the bank's own page: a 3.00% foreign currency conversion fee, per the bank's Fees and Charges Schedule (effective 15 August 2026), which the card terms refer to; the feed says 2.95%", "0.00% on balance transfers for 12 months, then 11.99% (the purchase rate)", "credit limit $2,000 to $50,000", "employment status: Applicants must be currently employed or receiving a regular income. Self employed clients should contact the Bank prior to applying", "foreign currency conversion fee 3.00% of the transaction (feed says 2.95%), also on overseas merchants charging in AUD", "0% balance transfer for new cards only, minimum $2,000; the Key Facts Sheet says the remainder reverts to the cash advance rate (19.99%), the card page says 11.99%" ], "restrictions": [], "source_kind": "feed", "record_stale": false, "bank_last_updated": "2026-09-30T14:00:00.323756Z", "from_issuer_page": [ { "source": "correction", "fields": [ "foreign_transaction_fee_pct" ], "confirmed": "2026-11-12", "url": "https://assets.australianmilitarybank.com.au/Fees_and_Charges_Schedule_AMB_15082026_FINAL_12ff229073.pdf#page=2", "quote": "3.00% of transaction value ($AUD)" } ], "balance_transfer": { "promo_rate_pct": 0.0, "promo_months": 12, "fee_pct": null, "revert_rate_pct": 11.99, "revert_to": "purchase" } }, { "rank": 20, "brand": "Newcastle Permanent", "brand_label": "Newcastle Permanent", "brand_slug": "newcastle-permanent", "product_id": "CC_valuepluscc", "product_name": "Value Plus Credit Card", "product_label": "Value Plus Credit Card", "page": "/au/finance/credit-cards/cards/newcastle-permanent/value-plus-credit-card/", "product_url": "https://www.newcastlepermanent.com.au/personal/credit-card", "terms_url": "https://www.newcastlepermanent.com.au/tools-and-services/terms-and-conditions", "key_facts_sheet_url": null, "source_snapshot": "/au/finance/credit-cards/v1/source/newcastle-permanent/CC_valuepluscc.json", "card_type": "credit", "scheme": null, "segments": [ "personal" ], "kind": "low_rate", "purchase_rate_pct": 11.99, "purchase_rate_range_pct": null, "no_interest_card": null, "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, "first_year_fee_waived": false, "min_credit_limit": 500.0, "max_credit_limit": 20000.0, "rewards_program": null, "conditions": [ "credit limit $500 to $20,000", "employment status: Have a demonstrated ability to afford repayments", "Applicants must meet applicable identification requirements and lending criteria, including demonstrating an ability to afford repayments." ], "restrictions": [], "source_kind": "feed", "record_stale": false, "bank_last_updated": "2026-11-05T00:00:00+11:00", "from_issuer_page": null, "balance_transfer": null }, { "rank": 21, "brand": "P&N Bank", "brand_label": "P&N Bank", "brand_slug": "p-n-bank", "product_id": "41", "product_name": "P&N Bank Visa Classic", "product_label": "Visa Classic", "page": "/au/finance/credit-cards/cards/p-n-bank/visa-classic/", "product_url": "https://www.pnbank.com.au/cards/credit-cards/visa-classic/", "terms_url": "https://www.pnbank.com.au/important-information/terms-and-conditions/credit-card-conditions-of-use/", "key_facts_sheet_url": "https://www.pnbank.com.au/important-information/terms-and-conditions/classic-credit-card-fact-sheet/", "source_snapshot": "/au/finance/credit-cards/v1/source/p-n-bank/41.json", "card_type": "credit", "scheme": "visa", "segments": [ "personal" ], "kind": "low_rate", "purchase_rate_pct": 11.99, "purchase_rate_range_pct": null, "no_interest_card": null, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 45, "annual_fee": 49.0, "fee_period": "annual", "fee_as_stated": 49.0, "annual_fee_stated": true, "annual_fee_note": null, "first_year_fee_waived": false, "min_credit_limit": 1000.0, "max_credit_limit": 100000.0, "rewards_program": null, "conditions": [ "credit limit $1,000 to $100,000", "Credit eligibilty criteria, terms and conditions, fees and charges apply.", "You must be or become a P&N Bank member", "3% foreign currency conversion fee", "$5 late payment notification fee at 11 and 30 days overdue, $75 notice of demand at 46 days, $50 a month after 90 days", "no interest-free period on cash advances" ], "restrictions": [], "source_kind": "feed", "record_stale": false, "bank_last_updated": "2026-11-03T20:00:29.2114598Z", "from_issuer_page": null, "balance_transfer": null }, { "rank": 22, "brand": "Summerland Bank", "brand_label": "Summerland Bank", "brand_slug": "summerland-bank", "product_id": "74", "product_name": "Low Rate Credit Card", "product_label": "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", "key_facts_sheet_url": "https://www.summerland.com.au/app/uploads/2023/12/credit-card-key-fact-sheet.pdf", "source_snapshot": "/au/finance/credit-cards/v1/source/summerland-bank/74.json", "card_type": "credit", "scheme": "visa", "segments": [ "personal" ], "kind": "low_rate", "purchase_rate_pct": 11.99, "purchase_rate_range_pct": null, "no_interest_card": null, "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, "first_year_fee_waived": false, "min_credit_limit": null, "max_credit_limit": null, "rewards_program": 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" ], "restrictions": [], "source_kind": "feed", "record_stale": false, "bank_last_updated": "2026-11-12T02:00:41.0226439Z", "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" } ], "balance_transfer": { "promo_rate_pct": 0.0, "promo_months": 9, "fee_pct": null, "revert_rate_pct": null, "revert_to": null } }, { "rank": 23, "brand": "Bendigo Bank", "brand_label": "Bendigo Bank", "brand_slug": "bendigo-bank", "product_id": "aab92b58-4260-4b57-8f7f-5e448805b766", "product_name": "Bendigo Bright Credit Card", "product_label": "Bright Credit Card", "page": "/au/finance/credit-cards/cards/bendigo-bank/bright-credit-card/", "product_url": "https://www.bendigobank.com.au/personal/credit-cards/bright/", "terms_url": "https://www.bendigobank.com.au/globalassets/documents/disclosures/bendigo-credit-card-terms-conditions.pdf", "key_facts_sheet_url": "https://www.bendigobank.com.au/globalassets/documents/personal/creditcards/credit-cards-key-fact-sheet.pdf", "source_snapshot": "/au/finance/credit-cards/v1/source/bendigo-bank/aab92b58-4260-4b57-8f7f-5e448805b766.json", "card_type": "credit", "scheme": "mastercard", "segments": [ "personal" ], "kind": "low_rate", "purchase_rate_pct": 11.99, "purchase_rate_range_pct": null, "no_interest_card": null, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 55, "annual_fee": 59.0, "fee_period": "annual", "fee_as_stated": 59.0, "annual_fee_stated": true, "annual_fee_note": null, "first_year_fee_waived": false, "min_credit_limit": 1000.0, "max_credit_limit": 30000.0, "rewards_program": null, "conditions": [ "credit limit $1,000 to $30,000", "cash advance fee $3 or 3%, whichever is greater", "Australian citizens or permanent residents living or working in Australia; personal use only" ], "restrictions": [], "source_kind": "feed", "record_stale": false, "bank_last_updated": "2026-10-23T01:26:50.341Z", "from_issuer_page": null, "balance_transfer": null }, { "rank": 24, "brand": "Credit Union SA", "brand_label": "Credit Union SA", "brand_slug": "credit-union-sa", "product_id": "CREDITUNIONSA_OD_500", "product_name": "Visa Credit Card", "product_label": "Visa Credit Card", "page": "/au/finance/credit-cards/cards/credit-union-sa/visa-credit-card/", "product_url": "https://www.creditunionsa.com.au/cards/visa-credit-card/", "terms_url": "https://cms.creditunionsa.com.au/assets/documents/BRC-1025-Visa-Credit-Card-Terms-and-Conditions.pdf", "key_facts_sheet_url": "https://cms.creditunionsa.com.au/assets/documents/BRC_1006-Visa-Credit-Card-Key-Fact-Sheets.pdf", "source_snapshot": "/au/finance/credit-cards/v1/source/credit-union-sa/CREDITUNIONSA_OD_500.json", "card_type": "credit", "scheme": "visa", "segments": [ "personal" ], "kind": "low_rate", "purchase_rate_pct": 11.99, "purchase_rate_range_pct": null, "no_interest_card": null, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": null, "annual_fee": 59.0, "fee_period": "annual", "fee_as_stated": 59.0, "annual_fee_stated": true, "annual_fee_note": null, "first_year_fee_waived": false, "min_credit_limit": 1000.0, "max_credit_limit": 20000.0, "rewards_program": null, "conditions": [ "corrected from the bank's own page: the credit union's page offers 0% on balance transfers for 6 months, at any time to new or existing cardholders, with no transfer fee, then the card's 11.99% variable rate; its feed carries no offer", "credit limit $1,000 to $20,000", "0% on balance transfers for 6 months, available any time to new or existing cardholders, no transfer fee; then 11.99%" ], "restrictions": [], "source_kind": "feed", "record_stale": false, "bank_last_updated": "2026-06-29T00:00:00.000+10:00", "from_issuer_page": [ { "source": "correction", "fields": [ "bt_promo_rate_pct", "bt_promo_months", "bt_fee_pct", "bt_revert_rate_pct" ], "confirmed": "2026-11-12", "url": "https://www.creditunionsa.com.au/cards/visa-credit-card/#:~:text=All%20credit%20card%20holders%20qualify,6%20months%20at%20any%20time.", "quote": "All credit card holders qualify for a balance transfer rate of 0.00% pa for 6 months at any time." } ], "balance_transfer": { "promo_rate_pct": 0.0, "promo_months": 6, "fee_pct": 0.0, "revert_rate_pct": 11.99, "revert_to": null } }, { "rank": 25, "brand": "Great Southern Bank", "brand_label": "Great Southern Bank", "brand_slug": "great-southern-bank", "product_id": "2691-0100", "product_name": "Low Rate Credit Card (New)", "product_label": "Low Rate Credit Card (New)", "page": "/au/finance/credit-cards/cards/great-southern-bank/low-rate-credit-card-new/", "product_url": "https://www.greatsouthernbank.com.au/credit-cards/low-rate", "terms_url": "https://www.greatsouthernbank.com.au/__data/assets/pdf_file/0024/536154/RC00689_CREDIT_CARD_Conditions_of_Use_and_Credit_Guide_260911.pdf", "key_facts_sheet_url": "https://www.greatsouthernbank.com.au/__data/assets/pdf_file/0025/536155/KFS_KEY-FACTS-SHEET_250725.pdf", "source_snapshot": "/au/finance/credit-cards/v1/source/great-southern-bank/2691-0100.json", "card_type": "credit", "scheme": "visa", "segments": [ "personal" ], "kind": "low_rate", "purchase_rate_pct": 11.99, "purchase_rate_range_pct": null, "no_interest_card": null, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 55, "annual_fee": 60.0, "fee_period": "monthly", "fee_as_stated": 5.0, "annual_fee_stated": true, "annual_fee_note": null, "first_year_fee_waived": false, "min_credit_limit": 500.0, "max_credit_limit": null, "rewards_program": null, "conditions": [ "Applications for credit cards are subject to credit approval.", "cash advance fee 2% of the amount, minimum $3.50", "foreign exchange fee 3.40% on purchases and cash advances in foreign currency or with overseas merchants" ], "restrictions": [], "source_kind": "feed", "record_stale": false, "bank_last_updated": "2026-10-30T21:01:00.00000Z", "from_issuer_page": null, "balance_transfer": null }, { "rank": 26, "brand": "P&N Bank", "brand_label": "P&N Bank", "brand_slug": "p-n-bank", "product_id": "40", "product_name": "P&N Bank Visa Platinum", "product_label": "Visa Platinum", "page": "/au/finance/credit-cards/cards/p-n-bank/visa-platinum/", "product_url": "https://www.pnbank.com.au/cards/credit-cards/visa-platinum/", "terms_url": "https://www.pnbank.com.au/important-information/terms-and-conditions/credit-card-conditions-of-use/", "key_facts_sheet_url": "https://www.pnbank.com.au/important-information/terms-and-conditions/platinum-credit-card-fact-sheet/", "source_snapshot": "/au/finance/credit-cards/v1/source/p-n-bank/40.json", "card_type": "credit", "scheme": "visa", "segments": [ "personal" ], "kind": "low_rate", "purchase_rate_pct": 11.99, "purchase_rate_range_pct": null, "no_interest_card": null, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 45, "annual_fee": 99.0, "fee_period": "annual", "fee_as_stated": 99.0, "annual_fee_stated": true, "annual_fee_note": null, "first_year_fee_waived": false, "min_credit_limit": 6000.0, "max_credit_limit": 100000.0, "rewards_program": null, "conditions": [ "credit limit $6,000 to $100,000", "Credit eligibilty criteria, terms and conditions, fees and charges apply.", "You must be or become a P&N Bank member", "3% foreign currency conversion fee", "$5 late payment notification fee at 11 and 30 days overdue, $75 notice of demand at 46 days, $50 a month after 90 days", "no interest-free period on cash advances" ], "restrictions": [], "source_kind": "feed", "record_stale": false, "bank_last_updated": "2026-11-03T20:00:29.2114598Z", "from_issuer_page": null, "balance_transfer": null }, { "rank": 27, "brand": "Bank Australia", "brand_label": "Bank Australia", "brand_slug": "bank-australia", "product_id": "a3e1054a-73da-469f-863e-0f3418967627", "product_name": "Low Rate Visa Credit Card", "product_label": "Low Rate Visa Credit Card", "page": "/au/finance/credit-cards/cards/bank-australia/low-rate-visa-credit-card/", "product_url": "https://www.bankaust.com.au/banking/credit-cards/low-rate-visa-credit-card/", "terms_url": "https://www.bankaust.com.au/support/disclosures", "key_facts_sheet_url": "https://cdn.bfldr.com/1R31Y8GR/as/9qkmbrnz2ccnwfjwnzhbt9v/Credit_card_key_facts_sheet", "source_snapshot": "/au/finance/credit-cards/v1/source/bank-australia/a3e1054a-73da-469f-863e-0f3418967627.json", "card_type": "credit", "scheme": "visa", "segments": [ "personal" ], "kind": "low_rate", "purchase_rate_pct": 12.34, "purchase_rate_range_pct": null, "no_interest_card": null, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": null, "annual_fee": 0.0, "fee_period": "annual", "fee_as_stated": 0.0, "annual_fee_stated": true, "annual_fee_note": null, "first_year_fee_waived": false, "min_credit_limit": 1000.0, "max_credit_limit": null, "rewards_program": null, "conditions": [ "confirmed on the bank's own page: 12.34% on purchases and cash advances (from 1 November 2026), no annual fee and 0% for 6 months on balance transfers", "0.00% on balance transfers for 6 months, then 12.34% (the purchase rate)", "Each application for credit is subject to our normal lending criteria and approval.", "no annual fee and no late payment fees", "no interest-free days on purchases", "0% balance transfer applies to balances from other banks only" ], "restrictions": [], "source_kind": "feed", "record_stale": false, "bank_last_updated": "2026-11-04T05:54:46.474Z", "from_issuer_page": [ { "source": "confirmation", "fields": [ "purchase_rate_pct", "annual_fee", "bt_promo_rate_pct", "bt_promo_months", "bt_fee_pct", "bt_revert_rate_pct" ], "confirmed": "2026-11-12", "url": "https://www.bankaust.com.au/banking/credit-cards/low-rate-visa-credit-card/#:~:text=12.34%20%25%20p.a.%20Variable%20interest%20rate%20Effective%201%20November%202026", "quote": "12.34 % p.a. Variable interest rate Effective 1 November 2026" } ], "balance_transfer": { "promo_rate_pct": 0.0, "promo_months": 6, "fee_pct": null, "revert_rate_pct": 12.34, "revert_to": "purchase" } }, { "rank": 28, "brand": "Qudos Bank", "brand_label": "Qudos Bank", "brand_slug": "qudos-bank", "product_id": "9be8ebbe-7ed3-4ae2-bc1e-c794f5730339", "product_name": "Lifestyle", "product_label": "Lifestyle", "page": "/au/finance/credit-cards/cards/qudos-bank/lifestyle/", "product_url": "https://www.qudosbank.com.au/products/credit-cards/lifestyle-credit-card", "terms_url": "https://www.qudosbank.com.au/reusable-documents/terms-and-conditions/credit-card-terms-and-conditions/", "key_facts_sheet_url": null, "source_snapshot": "/au/finance/credit-cards/v1/source/qudos-bank/9be8ebbe-7ed3-4ae2-bc1e-c794f5730339.json", "card_type": "credit", "scheme": "visa", "segments": [ "personal" ], "kind": "low_rate", "purchase_rate_pct": 12.34, "purchase_rate_range_pct": null, "no_interest_card": null, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": null, "annual_fee": 0.0, "fee_period": "annual", "fee_as_stated": 0.0, "annual_fee_stated": true, "annual_fee_note": null, "first_year_fee_waived": false, "min_credit_limit": 1000.0, "max_credit_limit": 20000.0, "rewards_program": null, "conditions": [ "corrected from the bank's own page: 12.34% and no annual fee, per the Key Facts Sheet on the bank's rates page effective 1 November 2026 (a footnote on the card page gives 12.84%, which the sheet does not); the 4.99% introductory rate on purchases and balance transfers ended for new applications on 1 November 2026", "credit limit $1,000 to $20,000", "existing Qudos Bank customers only; new customers are sent to Bank Australia" ], "restrictions": [ "existing_customers" ], "source_kind": "feed", "record_stale": false, "bank_last_updated": "2026-02-27T04:23:05.801Z", "from_issuer_page": [ { "source": "correction", "fields": [ "intro_purchase_rate_pct", "intro_purchase_months", "bt_promo_rate_pct", "bt_promo_months", "bt_fee_pct", "bt_revert_rate_pct" ], "confirmed": "2026-11-12", "url": "https://www.qudosbank.com.au/credit-card-updates#:~:text=From%201%20November%202026%2C%20the,Qudos%20Bank%20credit%20card%20applications.", "quote": "From 1 November 2026, the introductory interest rate of 4.99% p.a. for the first 5 months will no longer be available for new Qudos Bank credit card applications." }, { "source": "watched_term", "fields": [ "restrictions" ], "confirmed": "2026-11-12", "url": "https://www.qudosbank.com.au/products/credit-cards/lifestyle-credit-card#:~:text=If%20you%E2%80%99re%20a%20new%20customer%2C,on%20the%20Bank%20Australia%20website.", "quote": "If you’re a new customer, select ‘I’m a new customer’ to view Bank Australia credit cards on the Bank Australia website." } ], "balance_transfer": null }, { "rank": 29, "brand": "Maitland Mutual Limited", "brand_label": "The Mutual Bank", "brand_slug": "maitland-mutual-limited", "product_id": "Mutual_Visa_Credit_Card", "product_name": "Mutual Visa Credit Card", "product_label": "Mutual Visa Credit Card", "page": "/au/finance/credit-cards/cards/maitland-mutual-limited/mutual-visa-credit-card/", "product_url": "https://www.themutual.com.au/everyday-banking/personal-finance/mutual-visa-credit-card/", "terms_url": "https://www.themutual.com.au/help-support/important-documents/", "key_facts_sheet_url": null, "source_snapshot": "/au/finance/credit-cards/v1/source/maitland-mutual-limited/Mutual_Visa_Credit_Card.json", "card_type": "credit", "scheme": "visa", "segments": [ "personal" ], "kind": "low_rate", "purchase_rate_pct": 12.49, "purchase_rate_range_pct": null, "no_interest_card": null, "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, "first_year_fee_waived": false, "min_credit_limit": 500.0, "max_credit_limit": 20000.0, "rewards_program": null, "conditions": [ "credit limit $500 to $20,000" ], "restrictions": [], "source_kind": "feed", "record_stale": false, "bank_last_updated": "2026-07-15T07:46:22.000+10:00", "from_issuer_page": null, "balance_transfer": null }, { "rank": 30, "brand": "Beyond Bank Australia", "brand_label": "Beyond Bank Australia", "brand_slug": "beyond-bank-australia", "product_id": "11", "product_name": "Low Rate Credit Card", "product_label": "Low Rate Credit Card", "page": "/au/finance/credit-cards/cards/beyond-bank-australia/low-rate-credit-card/", "product_url": "https://www.beyondbank.com.au/bank-and-save/debit-and-credit-cards/low-rate-visa-credit-card/", "terms_url": "https://brand.beyondbank.com.au/m/4ac003904302eec8/original/Low-Rate-Credit-Card-Terms-and-Conditions.pdf", "key_facts_sheet_url": "https://www.beyondbank.com.au/bank-and-save/debit-and-credit-cards/low-rate-visa-credit-card/credit-card-key-fact-sheet/", "source_snapshot": "/au/finance/credit-cards/v1/source/beyond-bank-australia/11.json", "card_type": "credit", "scheme": "visa", "segments": [ "personal" ], "kind": "low_rate", "purchase_rate_pct": 12.49, "purchase_rate_range_pct": null, "no_interest_card": null, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 62, "annual_fee": 59.0, "fee_period": "annual", "fee_as_stated": 59.0, "annual_fee_stated": true, "annual_fee_note": null, "first_year_fee_waived": false, "min_credit_limit": 1000.0, "max_credit_limit": 80000.0, "rewards_program": null, "conditions": [ "0.00% on balance transfers for 12 months; new cards", "credit limit $1,000 to $80,000", "Lending criteria applies.", "Membership: You must be or become a Beyond Bank Australia member", "0% for 12 months only on transfers made within a month of applying (later: 4.99% for 6 months), from non-Beyond Bank cards, minimum $500; then the purchase rate", "$25 default fee each month while in default, plus $20 for each default notice (no separate late fee)" ], "restrictions": [], "source_kind": "feed", "record_stale": false, "bank_last_updated": "2026-10-14T02:00:31.6711382Z", "from_issuer_page": null, "balance_transfer": { "promo_rate_pct": 0.0, "promo_months": 12, "fee_pct": null, "revert_rate_pct": null, "revert_to": null } }, { "rank": 31, "brand": "Bank First", "brand_label": "Bank First", "brand_slug": "bank-first", "product_id": "156e9854-eace-460f-8390-6823965cff27", "product_name": "Classic Credit Card", "product_label": "Classic Credit Card", "page": "/au/finance/credit-cards/cards/bank-first/classic-credit-card/", "product_url": "https://www.bankfirst.com.au/bank-accounts/credit-cards/visa-classic", "terms_url": "https://cdn.intelligencebank.com/au/share/e3Gq6M/k77y1/733RL/original/Visa_Credit_Card_Terms_and_Conditions", "key_facts_sheet_url": "https://cdn.intelligencebank.com/au/share/e3Gq6M/a77v7/bllwo/original/Key-Facts-About-Credit-Cards", "source_snapshot": "/au/finance/credit-cards/v1/source/bank-first/156e9854-eace-460f-8390-6823965cff27.json", "card_type": "credit", "scheme": "visa", "segments": [ "personal" ], "kind": "low_rate", "purchase_rate_pct": 12.54, "purchase_rate_range_pct": null, "no_interest_card": null, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 55, "annual_fee": 0.0, "fee_period": "monthly", "fee_as_stated": 0.0, "annual_fee_stated": true, "annual_fee_note": null, "first_year_fee_waived": false, "min_credit_limit": 2000.0, "max_credit_limit": null, "rewards_program": null, "conditions": [ "Available to members only.", "a further $20 arrears fee once a repayment is 30 days overdue", "3% currency conversion fee, refunded for Premier Package Home Loan holders", "Australian or NZ citizens, permanent residents or eligible visa holders, 18 or over" ], "restrictions": [], "source_kind": "feed", "record_stale": false, "bank_last_updated": "2026-06-15T23:22:56.50756Z", "from_issuer_page": null, "balance_transfer": null }, { "rank": 32, "brand": "Horizon Bank", "brand_label": "Horizon Bank", "brand_slug": "horizon-bank", "product_id": "S97_S970001", "product_name": "VISA CREDIT CARD", "product_label": "Visa Credit Card", "page": "/au/finance/credit-cards/cards/horizon-bank/visa-credit-card/", "product_url": "https://horizonbank.com.au/loans/credit-facilities/visa-credit-card/", "terms_url": "https://horizonbank.com.au/reusable-documents/disclosure-documents/visa-credit-card-conditions-of-use/", "key_facts_sheet_url": "https://horizonbank.com.au/media/3900/credit-card-key-fact-sheet-010924.pdf", "source_snapshot": "/au/finance/credit-cards/v1/source/horizon-bank/S97_S970001.json", "card_type": "credit", "scheme": "visa", "segments": [ "personal" ], "kind": "low_rate", "purchase_rate_pct": 12.95, "purchase_rate_range_pct": null, "no_interest_card": null, "intro_purchase_rate_pct": 4.99, "intro_purchase_months": 5, "interest_free_days": 55, "annual_fee": 49, "fee_period": "annual", "fee_as_stated": 49, "annual_fee_stated": true, "annual_fee_note": null, "first_year_fee_waived": false, "min_credit_limit": 500.0, "max_credit_limit": 30000, "rewards_program": null, "conditions": [ "corrected from the bank's own page: a $49 annual fee, 4.99% for the first 5 months and a $30,000 maximum limit, per the bank's Key Facts Sheet (\"Annual fee $49\"; \"4.99% p.a. introductory rate – applicable for a 5 month period\") and card FAQ; the feed states no fee and a 7.96% introductory rate", "7.96% on purchases for the first 5 months, then the purchase rate", "$49 annual fee", "late payment fee $10", "credit limit $500 to $30,000", "the introductory rate also applies to balance transfers made in the first 5 months" ], "restrictions": [], "source_kind": "feed", "record_stale": false, "bank_last_updated": "2026-11-04T10:53:38.000+11:00", "from_issuer_page": [ { "source": "correction", "fields": [ "annual_fee", "intro_purchase_rate_pct", "intro_purchase_months", "max_credit_limit" ], "confirmed": "2026-11-12", "url": "https://horizonbank.com.au/media/3900/credit-card-key-fact-sheet-010924.pdf#page=1", "quote": "Annual fee $49" } ], "balance_transfer": null }, { "rank": 33, "brand": "People First and Heritage Bank", "brand_label": "People First Bank / Heritage Bank", "brand_slug": "people-first-and-heritage-bank", "product_id": "ef54bfdb-5db3-4ce7-b678-25492785377a", "product_name": "Visa Credit Card", "product_label": "Visa Credit Card", "page": "/au/finance/credit-cards/cards/people-first-and-heritage-bank/visa-credit-card/", "product_url": "https://www.peoplefirstbank.com.au/loans/visa-credit-card", "terms_url": "https://www.peoplefirstbank.com.au/brc-8-3-2", "key_facts_sheet_url": "https://www.peoplefirstbank.com.au/-/media/project/peoplefirst/pfbwebsite/medialibrary/files/general/brochures/brc-8-1-6-credit-card-key-facts-sheet.pdf", "source_snapshot": "/au/finance/credit-cards/v1/source/people-first-and-heritage-bank/ef54bfdb-5db3-4ce7-b678-25492785377a.json", "card_type": "credit", "scheme": "visa", "segments": [ "personal" ], "kind": "low_rate", "purchase_rate_pct": 12.95, "purchase_rate_range_pct": null, "no_interest_card": null, "intro_purchase_rate_pct": 2.99, "intro_purchase_months": 6, "interest_free_days": 62, "annual_fee": 59, "fee_period": "annual", "fee_as_stated": 59, "annual_fee_stated": true, "annual_fee_note": null, "first_year_fee_waived": false, "min_credit_limit": 1000.0, "max_credit_limit": null, "rewards_program": null, "conditions": [ "corrected from the bank's own page: a $59 annual fee and up to 62 interest-free days, per the bank's card page (\"Annual Visa Credit Card Fee $59 per account\"; \"Up to 62 days interest free\"); the feed carries both but files the fee as a transaction fee and the days as P2M1D, so neither was read", "2.99% on purchases for the first 6 months, then the purchase rate", "2.99% on balance transfers for 6 months", "Terms, conditions, fees, charges and lending criteria apply and are available on application", "$59 annual card fee (the feed files it as a transaction fee, so it is not published), waived for under-25s with an Activate account, home loan or line of credit holders and some relationship customers", "up to 62 interest-free days on purchases, only when both the previous and current statement balances are paid in full" ], "restrictions": [], "source_kind": "feed", "record_stale": false, "bank_last_updated": "2026-05-04T14:36:10.727Z", "from_issuer_page": [ { "source": "correction", "fields": [ "annual_fee", "interest_free_days" ], "confirmed": "2026-11-12", "url": "https://www.peoplefirstbank.com.au/loans/visa-credit-card#:~:text=Annual%20Visa%20Credit%20Card%20Fee%20%2459%20per%20account", "quote": "Annual Visa Credit Card Fee $59 per account" } ], "balance_transfer": { "promo_rate_pct": 2.99, "promo_months": 6, "fee_pct": null, "revert_rate_pct": null, "revert_to": null } }, { "rank": 34, "brand": "ING BANK (Australia) Ltd", "brand_label": "ING", "brand_slug": "ing-bank-australia-ltd", "product_id": "5031dc6b-6993-4de1-8e0b-a96de30c2f28", "product_name": "Orange One Low Rate", "product_label": "Orange One Low Rate", "page": "/au/finance/credit-cards/cards/ing-bank-australia-ltd/orange-one-low-rate/", "product_url": "https://www.ing.com.au/credit-cards/orange-one.html", "terms_url": "https://www.ing.com.au/pdf/orangeone/Orange%20One%20Terms%20and%20Conditions.pdf", "key_facts_sheet_url": "https://www.ing.com.au/pdf/orangeone/Orange%20One%20Key%20Facts%20Sheet.pdf", "source_snapshot": "/au/finance/credit-cards/v1/source/ing-bank-australia-ltd/5031dc6b-6993-4de1-8e0b-a96de30c2f28.json", "card_type": "credit", "scheme": "visa", "segments": [ "personal" ], "kind": "low_rate", "purchase_rate_pct": 12.99, "purchase_rate_range_pct": null, "no_interest_card": null, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 45, "annual_fee": 48.0, "fee_period": "annual", "fee_as_stated": 48.0, "annual_fee_stated": true, "annual_fee_note": null, "first_year_fee_waived": false, "min_credit_limit": 1000.0, "max_credit_limit": 30000.0, "rewards_program": null, "conditions": [ "credit limit $1,000 to $30,000", "minimum income $36,000 a year", "Have and maintain an Australian residential address.", "You need to hold, or have applied for, an ING Orange Everyday Transaction Account at the time you apply.", "Monthly Auto-Pay from a linked ING account for the Minimum or Full Amount." ], "restrictions": [], "source_kind": "feed", "record_stale": false, "bank_last_updated": "2026-08-11T06:21:03.003Z", "from_issuer_page": null, "balance_transfer": null }, { "rank": 35, "brand": "Bankwest", "brand_label": "Bankwest", "brand_slug": "bankwest", "product_id": "9ce7236b194f4294b5cf84452e9025c2", "product_name": "Bankwest Breeze Platinum Mastercard", "product_label": "Breeze Platinum Mastercard", "page": "/au/finance/credit-cards/cards/bankwest/breeze-platinum-mastercard/", "product_url": "https://www.bankwest.com.au/credit-cards/low-rate", "terms_url": null, "key_facts_sheet_url": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20220227-113508.pdf", "source_snapshot": "/au/finance/credit-cards/v1/source/bankwest/9ce7236b194f4294b5cf84452e9025c2.json", "card_type": "credit", "scheme": "mastercard", "segments": [ "personal" ], "kind": "low_rate", "purchase_rate_pct": 12.99, "purchase_rate_range_pct": null, "no_interest_card": null, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 55, "annual_fee": 59.0, "fee_period": "annual", "fee_as_stated": 59.0, "annual_fee_stated": true, "annual_fee_note": null, "first_year_fee_waived": false, "min_credit_limit": 1000.0, "max_credit_limit": null, "rewards_program": null, "conditions": [ "0.00% on balance transfers for 24 months, 3% transfer fee, then 12.99% (the balance transfer rate); new cards", "Customers must meet Bankwest's credit assessment criteria, which includes demonstrating the capacity to service the credit facility.", "no foreign transaction fees or overseas ATM fees", "cash advance fee 3% or $4, whichever is greater", "minimum balance transfer $500", "temporary residents on some visa types cannot apply" ], "restrictions": [], "source_kind": "feed", "record_stale": false, "bank_last_updated": "2026-10-09T11:08:30.000Z", "from_issuer_page": null, "balance_transfer": { "promo_rate_pct": 0.0, "promo_months": 24, "fee_pct": 3.0, "revert_rate_pct": 12.99, "revert_to": "balance_transfer" } }, { "rank": 36, "brand": "Virgin Money", "brand_label": "Virgin Money", "brand_slug": "virgin-money", "product_id": "8cb23721-102c-ee11-9965-002248e1d56c", "product_name": "Virgin Money Low Rate Credit Card", "product_label": "Low Rate Credit Card", "page": "/au/finance/credit-cards/cards/virgin-money/low-rate-credit-card/", "product_url": "https://www.virginmoney.com.au/credit-cards/low-rate-credit-card", "terms_url": "https://www.virginmoney.com.au/content/dam/virginmoney/vma-downloads/credit-cards/credit-card-terms-and-conditions.pdf", "key_facts_sheet_url": null, "source_snapshot": "/au/finance/credit-cards/v1/source/virgin-money/8cb23721-102c-ee11-9965-002248e1d56c.json", "card_type": "credit", "scheme": "visa", "segments": [ "personal" ], "kind": "low_rate", "purchase_rate_pct": 12.99, "purchase_rate_range_pct": null, "no_interest_card": null, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 55, "annual_fee": 99.0, "fee_period": "annual", "fee_as_stated": 99.0, "annual_fee_stated": true, "annual_fee_note": null, "first_year_fee_waived": false, "min_credit_limit": 2000.0, "max_credit_limit": null, "rewards_program": "Virgin Money Rewards", "conditions": [ "0.00% on balance transfers for 24 months, 3% transfer fee, then 21.69% (the cash advance rate)", "minimum income $35,000 a year", "balance transfers limited to 80% of the credit limit and must be requested when applying; no points on transferred balances" ], "restrictions": [], "source_kind": "feed", "record_stale": false, "bank_last_updated": "2026-08-05T03:56:39Z", "from_issuer_page": null, "balance_transfer": { "promo_rate_pct": 0.0, "promo_months": 24, "fee_pct": 3.0, "revert_rate_pct": 21.69, "revert_to": "cash_advance" } }, { "rank": 37, "brand": "BCU Bank", "brand_label": "BCU Bank", "brand_slug": "bcu-bank", "product_id": "164", "product_name": "Rewards Credit Card", "product_label": "Rewards Credit Card", "page": "/au/finance/credit-cards/cards/bcu-bank/rewards-credit-card/", "product_url": "https://www.bcu.com.au/cards/credit-cards/rewards-credit-card/", "terms_url": "https://www.bcu.com.au/important-information/terms-and-conditions/credit-card-conditions-of-use/", "key_facts_sheet_url": "https://www.bcu.com.au/important-information/terms-and-conditions/credit-card-key-facts-sheet/", "source_snapshot": "/au/finance/credit-cards/v1/source/bcu-bank/164.json", "card_type": "credit", "scheme": "visa", "segments": [ "personal" ], "kind": "low_rate", "purchase_rate_pct": 13.05, "purchase_rate_range_pct": null, "no_interest_card": null, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 52, "annual_fee": 89.0, "fee_period": "annual", "fee_as_stated": 89.0, "annual_fee_stated": true, "annual_fee_note": null, "first_year_fee_waived": false, "min_credit_limit": 500.0, "max_credit_limit": 100000.0, "rewards_program": null, "conditions": [ "credit limit $500 to $100,000", "Credit eligibilty criteria, terms and conditions, fees and charges apply.", "You must be or become a BCU Bank member", "3% foreign currency conversion fee", "interest-free only when the month-end balance is paid in full by the 21st of the next month" ], "restrictions": [], "source_kind": "feed", "record_stale": false, "bank_last_updated": "2026-07-10T14:00:53.0189421Z", "from_issuer_page": null, "balance_transfer": null }, { "rank": 38, "brand": "SWSbank", "brand_label": "SWS Bank", "brand_slug": "swsbank", "product_id": "S3_VC", "product_name": "Visa Credit Card", "product_label": "Visa Credit Card", "page": "/au/finance/credit-cards/cards/swsbank/visa-credit-card/", "product_url": "https://www.swsbank.com.au/loans/credit-facilities/visa-classic-credit-card/", "terms_url": "https://swsbank.com.au/reusable-documents/tc/conditions-of-use-visa-classic-credit-card/", "key_facts_sheet_url": "https://swsbank.com.au/reusable-documents/tc/key-facts-credit-card/", "source_snapshot": "/au/finance/credit-cards/v1/source/swsbank/S3_VC.json", "card_type": "credit", "scheme": "visa", "segments": [ "personal", "business" ], "kind": "low_rate", "purchase_rate_pct": 13.45, "purchase_rate_range_pct": null, "no_interest_card": null, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 55, "annual_fee": 30.0, "fee_period": "annual", "fee_as_stated": 30.0, "annual_fee_stated": true, "annual_fee_note": null, "first_year_fee_waived": false, "min_credit_limit": 500.0, "max_credit_limit": 20000.0, "rewards_program": null, "conditions": [ "corrected from the bank's own page: 13.45% on purchases, a $30 annual fee and up to 55 days interest-free", "credit limit $500 to $20,000" ], "restrictions": [], "source_kind": "feed", "record_stale": false, "bank_last_updated": "2025-09-15T11:05:37.000+10:00", "from_issuer_page": [ { "source": "correction", "fields": [ "interest_free_days" ], "confirmed": "2026-11-12", "url": "https://www.swsbank.com.au/loans/credit-facilities/visa-classic-credit-card/#:~:text=Up%20to%2055%20days%20interest%20free%20on%20purchases", "quote": "Up to 55 days interest free on purchases" } ], "balance_transfer": null }, { "rank": 39, "brand": "Bank of China", "brand_label": "Bank of China", "brand_slug": "bank-of-china", "product_id": "MAULMAU2", "product_name": "Bank of China Great Wall International MasterCard Credit Card (Low rate Card)", "product_label": "Great Wall International MasterCard Credit Card (Low Rate Card)", "page": "/au/finance/credit-cards/cards/bank-of-china/great-wall-international-mastercard-credit-card-low-rate-card/", "product_url": "https://www.bankofchina.com/au/en/pbservice/pb4/201801/t20180125_11256138.html", "terms_url": "https://www.bankofchina.com/au/en/bocinfo/bi3/201502/t20150217_10963588.html", "key_facts_sheet_url": null, "source_snapshot": "/au/finance/credit-cards/v1/source/bank-of-china/MAULMAU2.json", "card_type": "credit", "scheme": "mastercard", "segments": [ "personal" ], "kind": "low_rate", "purchase_rate_pct": 13.49, "purchase_rate_range_pct": null, "no_interest_card": null, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 50, "annual_fee": 40.0, "fee_period": "annual", "fee_as_stated": 40.0, "annual_fee_stated": true, "annual_fee_note": null, "first_year_fee_waived": false, "min_credit_limit": 500.0, "max_credit_limit": null, "rewards_program": "Rewards Points", "conditions": [ "corrected from the bank's own page: 13.49% on purchases for the Low Interest Card, per the bank's Credit Card Rates and Fees (effective 2 July 2026); the feed gives 19.99%, the standard cards' rate", "up to 55 interest-free days on purchases (feed says 50)", "rewards points expire two years after they are earned" ], "restrictions": [], "source_kind": "feed", "record_stale": false, "bank_last_updated": "2024-09-25T04:00:00.000+10:00", "from_issuer_page": [ { "source": "correction", "fields": [ "purchase_rate_pct" ], "confirmed": "2026-11-12", "url": "https://pic.bankofchina.com/bocappd/australia/202607/P020260703659890181971.pdf#page=1", "quote": "Interest on Purchases 19.99% p.a 13.49% p.a" } ], "balance_transfer": null }, { "rank": 40, "brand": "Coles Credit Cards", "brand_label": "Coles Credit Cards", "brand_slug": "coles-credit-cards", "product_id": "8520f466-2c02-4af7-83fa-8ae13162a034", "product_name": "Coles Low Rate Mastercard", "product_label": "Low Rate Mastercard", "page": "/au/finance/credit-cards/cards/coles-credit-cards/low-rate-mastercard/", "product_url": "https://www.coles.com.au/credit-cards/low-rate", "terms_url": "https://www.coles.com.au/content/dam/coles/coles-financial-services/credit-cards/documents-and-forms/pdfs/coles-mastercard-terms-and-conditions-info.pdf", "key_facts_sheet_url": "https://www.coles.com.au/content/dam/coles/coles-financial-services/credit-cards/documents-and-forms/pdfs/coles-credit-cards-key-facts-sheet.pdf", "source_snapshot": "/au/finance/credit-cards/v1/source/coles-credit-cards/8520f466-2c02-4af7-83fa-8ae13162a034.json", "card_type": "credit", "scheme": "mastercard", "segments": [ "personal" ], "kind": "low_rate", "purchase_rate_pct": 13.49, "purchase_rate_range_pct": null, "no_interest_card": null, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 55, "annual_fee": 58.0, "fee_period": "annual", "fee_as_stated": 58.0, "annual_fee_stated": true, "annual_fee_note": null, "first_year_fee_waived": false, "min_credit_limit": 1000.0, "max_credit_limit": 60000.0, "rewards_program": "Flybuys", "conditions": [ "corrected from the bank's own page: the issuer's page offers 0% on balance transfers for 18 months with a 3% fee, reverting to the cash advance rate, for new cards applied for by 1 March 2027; its feed carries no offer", "credit limit $1,000 to $60,000", "must be an Australian resident for tax purposes with a regular income", "cash advance fee $1.95 minimum (or 3%) in Australia, $5 overseas; over-the-counter $2.25; paper statements $2", "0% on balance transfers for 18 months with a 3% fee, reverting to the 20.74% cash advance rate; up to 80% of the limit; new cards only", "balance transfer offer for new cards only, not when closing or transferring from another Coles Mastercard" ], "restrictions": [], "source_kind": "feed", "record_stale": false, "bank_last_updated": "2026-11-02T00:12:00Z", "from_issuer_page": [ { "source": "correction", "fields": [ "bt_promo_rate_pct", "bt_promo_months", "bt_fee_pct", "bt_revert_rate_pct" ], "confirmed": "2026-11-12", "url": "https://www.coles.com.au/credit-cards/low-rate#:~:text=0%25%20p.a.%20on%20Balance%20Transfers,3%25%20Balance%20Transfer%20fee%20applies.", "quote": "0% p.a. on Balance Transfers for 18 months. 3% Balance Transfer fee applies." } ], "balance_transfer": { "promo_rate_pct": 0.0, "promo_months": 18, "fee_pct": 3.0, "revert_rate_pct": 20.74, "revert_to": "cash_advance" } }, { "rank": 41, "brand": "ZipMoney Payments Pty Ltd", "brand_label": "Zip", "brand_slug": "zip", "product_id": "zip-plus", "product_name": "Zip Plus", "product_label": "Zip Plus", "page": "/au/finance/credit-cards/cards/zip/zip-plus/", "product_url": "https://zip.co/au/zip-plus", "terms_url": null, "key_facts_sheet_url": null, "source_snapshot": null, "card_type": "credit", "scheme": "visa", "segments": [ "personal" ], "kind": "low_rate", "purchase_rate_pct": 13.7, "purchase_rate_range_pct": null, "no_interest_card": null, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 0, "annual_fee": 119.4, "fee_period": "monthly", "fee_as_stated": 9.95, "annual_fee_stated": true, "annual_fee_note": "the Monthly Account Fee is waived in any month with nothing owing at the end of the month", "first_year_fee_waived": false, "min_credit_limit": 2000, "max_credit_limit": 20000, "rewards_program": null, "conditions": [ "read from the issuer's own page, each figure quoted and re-read daily", "the Monthly Account Fee is waived in any month with nothing owing at the end of the month", "no interest in a month in which the month-end balance is $1,000 or less; the rate applies above that", "a virtual Visa card in the issuer's app, not a physical card", "credit limit $2,000 to $20,000", "A digital line of credit, not a scheme credit card: the Zip Visa Card is a virtual Visa number in the Zip app, usable online and in a phone wallet, with no physical card as standard." ], "restrictions": [], "source_kind": "document", "record_stale": false, "bank_last_updated": "2026-11-12T02:35:39+00:00", "from_issuer_page": [ { "source": "issuer_document", "fields": [ "purchase_rate_pct", "interest_free_balance_threshold", "annual_fee", "late_payment_fee", "min_credit_limit", "max_credit_limit", "form", "foreign_transaction_fee_pct" ], "confirmed": "2026-11-12", "url": "https://zip.co/au/zip-plus#:~:text=Standard%20interest%20rate%20is%2013.70%25,as%20at%201%20April%202026.", "quote": "Standard interest rate is 13.70% p.a as at 1 April 2026." } ], "checked": { "at": "2026-11-12T02:35:39+00:00", "quotes": { "purchase_rate": { "status": "found", "url": "https://zip.co/au/zip-plus", "confirmed": "2026-11-12", "cite_url": "https://zip.co/au/zip-plus#:~:text=Standard%20interest%20rate%20is%2013.70%25,as%20at%201%20April%202026.", "document_sha256": "09005fdcdc710326a19c6319b5f681f604f9de74f9bb77feeb4c06b85c9e19ba" }, "interest_threshold": { "status": "found", "url": "https://zip.co/au/zip-plus", "confirmed": "2026-11-12", "cite_url": "https://zip.co/au/zip-plus#:~:text=No%20interest%20will%20be%20charged,month%20is%20%241%2C000%20or%20less.", "document_sha256": "09005fdcdc710326a19c6319b5f681f604f9de74f9bb77feeb4c06b85c9e19ba" }, "annual_fee": { "status": "found", "url": "https://zip.co/au/zip-plus", "confirmed": "2026-11-12", "cite_url": "https://zip.co/au/zip-plus#:~:text=Monthly%20Account%20Fee%20%249.95%2Fmonth%20Waived,end%20of%20each%20calendar%20month.", "document_sha256": "09005fdcdc710326a19c6319b5f681f604f9de74f9bb77feeb4c06b85c9e19ba" }, "late_payment_fee": { "status": "found", "url": "https://zip.co/au/zip-plus", "confirmed": "2026-11-12", "cite_url": "https://zip.co/au/zip-plus#:~:text=If%20the%20minimum%20monthly%20payment,incur%20a%20%2415%20late%20fee.", "document_sha256": "09005fdcdc710326a19c6319b5f681f604f9de74f9bb77feeb4c06b85c9e19ba" }, "credit_limit": { "status": "found", "url": "https://zip.co/au", "confirmed": "2026-11-12", "cite_url": "https://zip.co/au#:~:text=Credit%20%242%2C000%20%2D%20%2420%2C000%20Up%20to%20%2420%2C000", "document_sha256": "2d0a92647069f1a994f067d8b3222808222a655fc03982bcc06c08359fb19cf2" }, "virtual_card": { "status": "found", "url": "https://zip.co/au/zip-plus", "confirmed": "2026-11-12", "cite_url": "https://zip.co/au/zip-plus#:~:text=The%20Zip%20Visa%20Card%20works,don%27t%20see%20Zip%20at%20checkout.", "document_sha256": "09005fdcdc710326a19c6319b5f681f604f9de74f9bb77feeb4c06b85c9e19ba" }, "issuer.issuer": { "status": "found", "url": "https://zip.co/au/zip-plus", "confirmed": "2026-11-12", "cite_url": "https://zip.co/au/zip-plus#:~:text=Credit%20provided%20by%20ZipMoney%20Payments,Australian%20Credit%20Licence%20Number%20441878.", "document_sha256": "09005fdcdc710326a19c6319b5f681f604f9de74f9bb77feeb4c06b85c9e19ba" }, "issuer.foreign_transaction_fee": { "status": "found", "url": "https://zip.co/au/zip-plus", "confirmed": "2026-11-12", "cite_url": "https://zip.co/au/zip-plus#:~:text=Pay%20no%20foreign%20transaction%20fees,when%20buying%20from%20overseas%20websites.", "document_sha256": "09005fdcdc710326a19c6319b5f681f604f9de74f9bb77feeb4c06b85c9e19ba" } } }, "balance_transfer": null }, { "rank": 42, "brand": "ANZ", "brand_label": "ANZ", "brand_slug": "anz", "product_id": "7c74f4ae-4965-08a0-c5c0-7bf2c677269b", "product_name": "ANZ Low Rate", "product_label": "Low Rate", "page": "/au/finance/credit-cards/cards/anz/low-rate/", "product_url": "https://www.anz.com.au/personal/credit-cards/low-interest-rate/low-rate-card?CID=af:obank:cc", "terms_url": "http://www.anz.com/auxiliary/rates-fees-terms/fees-terms-conditions/?CID=af:obank:cc", "key_facts_sheet_url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-credit-cards-key-facts-sheet.pdf", "source_snapshot": "/au/finance/credit-cards/v1/source/anz/7c74f4ae-4965-08a0-c5c0-7bf2c677269b.json", "card_type": "credit", "scheme": "visa", "segments": [ "personal" ], "kind": "low_rate", "purchase_rate_pct": 13.74, "purchase_rate_range_pct": null, "no_interest_card": null, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 55, "annual_fee": 58.0, "fee_period": "annual", "fee_as_stated": 58.0, "annual_fee_stated": true, "annual_fee_note": null, "first_year_fee_waived": false, "min_credit_limit": 1000.0, "max_credit_limit": null, "rewards_program": null, "conditions": [ "0.00% on balance transfers for 26 months, 3% transfer fee, then 23.49% (the balance transfer rate)", "balance transfers from non-ANZ cards only, requested when you apply", "for new cards only", "3.5% overseas transaction fee", "cash advance fee 3.5%, minimum $4, maximum $50", "Australian or New Zealand citizen, permanent resident, or more than 12 months left on a visa" ], "restrictions": [], "source_kind": "feed", "record_stale": false, "bank_last_updated": "2026-10-27T22:00:00.000Z", "from_issuer_page": null, "balance_transfer": { "promo_rate_pct": 0.0, "promo_months": 26, "fee_pct": 3.0, "revert_rate_pct": 23.49, "revert_to": "balance_transfer" } }, { "rank": 43, "brand": "Westpac", "brand_label": "Westpac", "brand_slug": "westpac", "product_id": "CCLowRate", "product_name": "Low Rate Card", "product_label": "Low Rate Card", "page": "/au/finance/credit-cards/cards/westpac/low-rate-card/", "product_url": "https://www.westpac.com.au/credit-cards/low-rate-cards/low-rate", "terms_url": "https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/westpac-credit-card-terms-and-conditions.pdf", "key_facts_sheet_url": "https://www.westpac.com.au/credit-cards/credit-cards-fact-sheet", "source_snapshot": "/au/finance/credit-cards/v1/source/westpac/CCLowRate.json", "card_type": "credit", "scheme": "mastercard", "segments": [ "personal" ], "kind": "low_rate", "purchase_rate_pct": 13.74, "purchase_rate_range_pct": null, "no_interest_card": null, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 55, "annual_fee": 84.0, "fee_period": "monthly", "fee_as_stated": 7.0, "annual_fee_stated": true, "annual_fee_note": null, "first_year_fee_waived": false, "min_credit_limit": 500.0, "max_credit_limit": 50000.0, "rewards_program": null, "conditions": [ "0.00% on balance transfers for 20 months, 3% transfer fee, then 21.99% (the cash advance rate); new cards", "the first-year fee waiver in the feed is for the bank's existing customers only", "credit limit $500 to $50,000", "minimum income $30,000 a year", "Customer having a regular, verifiable Australian taxable income.", "Customer having a fixed, verifiable residential address in Australia." ], "restrictions": [], "source_kind": "feed", "record_stale": false, "bank_last_updated": "2026-10-29T02:41:54Z", "from_issuer_page": null, "balance_transfer": { "promo_rate_pct": 0.0, "promo_months": 20, "fee_pct": 3.0, "revert_rate_pct": 21.99, "revert_to": "cash_advance" } }, { "rank": 44, "brand": "BankVic", "brand_label": "BankVic", "brand_slug": "bankvic", "product_id": "S15_VISA_CLASSIC_CREDIT_CA", "product_name": "Low Rate Visa Credit Card", "product_label": "Low Rate Visa Credit Card", "page": "/au/finance/credit-cards/cards/bankvic/low-rate-visa-credit-card/", "product_url": "https://www.bankvic.com.au/banking/?filter=Credit-Card", "terms_url": "https://cdn.intelligencebank.com/au/share/NZw2/RVzr/yzJw/original/BankVic+Terms+%2526+Conditions", "key_facts_sheet_url": "https://www.bankvic.com.au/documents/af6b7de938654201bad8b7d7c1596017.pdf", "source_snapshot": "/au/finance/credit-cards/v1/source/bankvic/S15_VISA_CLASSIC_CREDIT_CA.json", "card_type": "credit", "scheme": "visa", "segments": [ "personal" ], "kind": "low_rate", "purchase_rate_pct": 13.95, "purchase_rate_range_pct": null, "no_interest_card": null, "intro_purchase_rate_pct": 8.99, "intro_purchase_months": 6, "interest_free_days": 44, "annual_fee": null, "fee_period": null, "fee_as_stated": null, "annual_fee_stated": false, "annual_fee_note": "the feed lists no annual or monthly card fee, so none is claimed", "first_year_fee_waived": false, "min_credit_limit": 1000.0, "max_credit_limit": 10000.0, "rewards_program": null, "conditions": [ "corrected from the bank's own page: 8.99% for the first six months on purchases, per the bank's Key Facts Sheet (correct as at August 2026: \"Promotional Introductory rate of 8.99% p.a. for the first six months\"); the feed says 4.96%; and 8.99% on balance transfers for six months when requested at card application, then the regular purchase rate (13.95%), which its feed carries no offer for", "credit limit $1,000 to $10,000", "BankVic member", "8.99% on balance transfers for 6 months if requested when applying, then the purchase rate" ], "restrictions": [], "source_kind": "feed", "record_stale": false, "bank_last_updated": "2025-11-21T14:27:08.000+11:00", "from_issuer_page": [ { "source": "correction", "fields": [ "intro_purchase_rate_pct", "intro_purchase_months", "bt_promo_rate_pct", "bt_promo_months", "bt_revert_rate_pct" ], "confirmed": "2026-11-12", "url": "https://www.bankvic.com.au/documents/af6b7de938654201bad8b7d7c1596017.pdf#page=1", "quote": "Promotional Introductory rate of 8.99% p.a. for the first six months" } ], "balance_transfer": { "promo_rate_pct": 8.99, "promo_months": 6, "fee_pct": null, "revert_rate_pct": 13.95, "revert_to": "purchase" } }, { "rank": 45, "brand": "Bank of Queensland Limited", "brand_label": "BOQ", "brand_slug": "bank-of-queensland-limited", "product_id": "9af3781e-102c-ee11-9966-002248e1d7d5", "product_name": "BOQ Low Rate Visa Credit Card", "product_label": "Low Rate Visa Credit Card", "page": "/au/finance/credit-cards/cards/bank-of-queensland-limited/low-rate-visa-credit-card/", "product_url": "https://www.boq.com.au/personal/credit-cards/low-rate-credit-card", "terms_url": "https://www.boq.com.au/personal/help-and-support/forms-and-important-information/terms-and-conditions/", "key_facts_sheet_url": null, "source_snapshot": "/au/finance/credit-cards/v1/source/bank-of-queensland-limited/9af3781e-102c-ee11-9966-002248e1d7d5.json", "card_type": "credit", "scheme": "visa", "segments": [ "personal" ], "kind": "low_rate", "purchase_rate_pct": 13.99, "purchase_rate_range_pct": null, "no_interest_card": null, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 55, "annual_fee": 65.0, "fee_period": "annual", "fee_as_stated": 65.0, "annual_fee_stated": true, "annual_fee_note": null, "first_year_fee_waived": false, "min_credit_limit": 2000.0, "max_credit_limit": 30000.0, "rewards_program": null, "conditions": [ "0.00% on balance transfers for 24 months, 3% transfer fee, then 21.99% (the cash advance rate)", "credit limit $2,000 to $30,000", "minimum income $25,000 a year", "Have a good credit rating", "cash advance outside Australia 1.5% (min $4, max $30) on top of the international fee", "$2 a month paper statement fee" ], "restrictions": [], "source_kind": "feed", "record_stale": false, "bank_last_updated": "2026-09-01T01:55:01Z", "from_issuer_page": null, "balance_transfer": { "promo_rate_pct": 0.0, "promo_months": 24, "fee_pct": 3.0, "revert_rate_pct": 21.99, "revert_to": "cash_advance" } }, { "rank": 46, "brand": "CommBank", "brand_label": "CommBank", "brand_slug": "commbank", "product_id": "67b2f138050940d8977cbbaebbfcc636", "product_name": "Low Rate credit card", "product_label": "Low Rate Credit Card (2)", "page": "/au/finance/credit-cards/cards/commbank/low-rate-credit-card-2/", "product_url": "https://www.commbank.com.au/credit-cards/low-rate.html", "terms_url": "https://www.commbank.com.au/content/dam/commbank/personal/apply-online/download-printed-forms/cc2-cou.pdf", "key_facts_sheet_url": "https://www.commbank.com.au/content/dam/commbank/personal/apply-online/download-printed-forms/cc-keyfacts.pdf", "source_snapshot": "/au/finance/credit-cards/v1/source/commbank/67b2f138050940d8977cbbaebbfcc636.json", "card_type": "credit", "scheme": "mastercard", "segments": [ "personal" ], "kind": "low_rate", "purchase_rate_pct": 13.99, "purchase_rate_range_pct": [ 10.99, 15.99 ], "no_interest_card": null, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 55, "annual_fee": 72.0, "fee_period": "monthly", "fee_as_stated": 6.0, "annual_fee_stated": true, "annual_fee_note": null, "first_year_fee_waived": false, "min_credit_limit": 500.0, "max_credit_limit": null, "rewards_program": null, "conditions": [ "the purchase rate offered varies from 10.99% to 15.99% by credit assessment; the feed's headline rate is ranked", "Applications for credit cards are subject to credit approval.", "Each application for credit is assessed on the ability of the applicant to service debt (limit) based on the financials supplied in the application.", "from 1 February 2027 the purchase rate range rises to 11.99%-16.99% (existing holders 14.99%), cash advance rate to 23.99% and the monthly fee to $8", "from 1 February 2027 the cash advance fee becomes $4 or 3.5% (whichever is greater) with no $300 cap", "$420 cashback not for anyone holding, or who held in the last 24 months, a Low Rate or Low Fee card, nor for switches" ], "restrictions": [], "source_kind": "feed", "record_stale": false, "bank_last_updated": "2026-11-12T02:15:46.000Z", "from_issuer_page": null, "balance_transfer": null }, { "rank": 47, "brand": "Bank of Melbourne", "brand_label": "Bank of Melbourne", "brand_slug": "bank-of-melbourne", "product_id": "BOMCCVertigocard", "product_name": "Vertigo", "product_label": "Vertigo", "page": "/au/finance/credit-cards/cards/bank-of-melbourne/vertigo/", "product_url": "https://www.bankofmelbourne.com.au/personal/credit-cards/low-rate", "terms_url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/personal/credit-cards/bom_credit_card_terms_and_conditions.pdf", "key_facts_sheet_url": "https://www.bankofmelbourne.com.au/personal/credit-cards/tools/credit-card-key-facts-sheet", "source_snapshot": "/au/finance/credit-cards/v1/source/bank-of-melbourne/BOMCCVertigocard.json", "card_type": "credit", "scheme": "visa", "segments": [ "personal" ], "kind": "low_rate", "purchase_rate_pct": 13.99, "purchase_rate_range_pct": null, "no_interest_card": null, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 55, "annual_fee": 84.0, "fee_period": "monthly", "fee_as_stated": 7.0, "annual_fee_stated": true, "annual_fee_note": null, "first_year_fee_waived": false, "min_credit_limit": 500.0, "max_credit_limit": 80000.0, "rewards_program": null, "conditions": [ "0.00% on balance transfers for 20 months, 3% transfer fee, then 21.99% (the cash advance rate); new cards", "the first-year fee waiver in the feed is for the bank's existing customers only", "credit limit $500 to $80,000", "Have a regular, verifiable Australian taxable income for at least 3 months (18 months for self employed)", "You're up-to-date with your regular repayments (rent or home loan, phone, other credit cards and loans etc.)", "Have a fixed residential address in Australia" ], "restrictions": [], "source_kind": "feed", "record_stale": false, "bank_last_updated": "2026-11-05T02:44:44Z", "from_issuer_page": null, "balance_transfer": { "promo_rate_pct": 0.0, "promo_months": 20, "fee_pct": 3.0, "revert_rate_pct": 21.99, "revert_to": "cash_advance" } }, { "rank": 48, "brand": "BankSA", "brand_label": "BankSA", "brand_slug": "banksa", "product_id": "BSACCVertigocard", "product_name": "Vertigo", "product_label": "Vertigo", "page": "/au/finance/credit-cards/cards/banksa/vertigo/", "product_url": "https://www.banksa.com.au/personal/credit-cards/low-rate", "terms_url": "https://www.banksa.com.au/content/dam/bsa/downloads/personal/credit-cards/bsa_credit_card_terms_and_conditions.pdf", "key_facts_sheet_url": "https://www.banksa.com.au/personal/credit-cards/tools/credit-card-key-facts-sheet", "source_snapshot": "/au/finance/credit-cards/v1/source/banksa/BSACCVertigocard.json", "card_type": "credit", "scheme": "visa", "segments": [ "personal" ], "kind": "low_rate", "purchase_rate_pct": 13.99, "purchase_rate_range_pct": null, "no_interest_card": null, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 55, "annual_fee": 84.0, "fee_period": "monthly", "fee_as_stated": 7.0, "annual_fee_stated": true, "annual_fee_note": null, "first_year_fee_waived": false, "min_credit_limit": 500.0, "max_credit_limit": 80000.0, "rewards_program": null, "conditions": [ "0.00% on balance transfers for 20 months, 3% transfer fee, then 21.99% (the cash advance rate); new cards", "the first-year fee waiver in the feed is for the bank's existing customers only", "credit limit $500 to $80,000", "Have a regular, verifiable Australian taxable income for at least 3 months (18 months for self employed)", "You're up-to-date with your regular repayments (rent or home loan, phone, other credit cards and loans etc.)", "Have a fixed residential address in Australia" ], "restrictions": [], "source_kind": "feed", "record_stale": false, "bank_last_updated": "2026-11-05T02:44:45Z", "from_issuer_page": null, "balance_transfer": { "promo_rate_pct": 0.0, "promo_months": 20, "fee_pct": 3.0, "revert_rate_pct": 21.99, "revert_to": "cash_advance" } }, { "rank": 49, "brand": "St.George Bank", "brand_label": "St.George Bank", "brand_slug": "st-george-bank", "product_id": "STGCCVertigoRainbowcard", "product_name": "Rainbow Vertigo Card", "product_label": "Rainbow Vertigo Card", "page": "/au/finance/credit-cards/cards/st-george-bank/rainbow-vertigo-card/", "product_url": "https://www.stgeorge.com.au/personal/credit-cards/low-rate/vertigo-rainbow-card", "terms_url": "https://www.stgeorge.com.au/content/dam/stg/downloads/personal/credit-cards/stg_credit_card_terms_and_conditions.pdf", "key_facts_sheet_url": "https://www.stgeorge.com.au/personal/credit-cards/tools/credit-card-key-facts-sheet", "source_snapshot": "/au/finance/credit-cards/v1/source/st-george-bank/STGCCVertigoRainbowcard.json", "card_type": "credit", "scheme": "visa", "segments": [ "personal" ], "kind": "low_rate", "purchase_rate_pct": 13.99, "purchase_rate_range_pct": null, "no_interest_card": null, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 55, "annual_fee": 84.0, "fee_period": "monthly", "fee_as_stated": 7.0, "annual_fee_stated": true, "annual_fee_note": null, "first_year_fee_waived": false, "min_credit_limit": 500.0, "max_credit_limit": 80000.0, "rewards_program": null, "conditions": [ "0.00% on balance transfers for 20 months, 3% transfer fee, then 21.99% (the cash advance rate); new cards", "the first-year fee waiver in the feed is for the bank's existing customers only", "credit limit $500 to $80,000", "Have a regular, verifiable Australian taxable income for at least 3 months (18 months for self employed)", "You're up-to-date with your regular repayments (rent or home loan, phone, other credit cards and loans etc.)", "Have a fixed residential address in Australia" ], "restrictions": [], "source_kind": "feed", "record_stale": false, "bank_last_updated": "2026-10-29T01:03:01Z", "from_issuer_page": null, "balance_transfer": { "promo_rate_pct": 0.0, "promo_months": 20, "fee_pct": 3.0, "revert_rate_pct": 21.99, "revert_to": "cash_advance" } }, { "rank": 50, "brand": "St.George Bank", "brand_label": "St.George Bank", "brand_slug": "st-george-bank", "product_id": "STGCCVertigocard", "product_name": "Vertigo", "product_label": "Vertigo", "page": "/au/finance/credit-cards/cards/st-george-bank/vertigo/", "product_url": "https://www.stgeorge.com.au/personal/credit-cards/low-rate", "terms_url": "https://www.stgeorge.com.au/content/dam/stg/downloads/personal/credit-cards/stg_credit_card_terms_and_conditions.pdf", "key_facts_sheet_url": "https://www.stgeorge.com.au/personal/credit-cards/tools/credit-card-key-facts-sheet", "source_snapshot": "/au/finance/credit-cards/v1/source/st-george-bank/STGCCVertigocard.json", "card_type": "credit", "scheme": "visa", "segments": [ "personal" ], "kind": "low_rate", "purchase_rate_pct": 13.99, "purchase_rate_range_pct": null, "no_interest_card": null, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 55, "annual_fee": 84.0, "fee_period": "monthly", "fee_as_stated": 7.0, "annual_fee_stated": true, "annual_fee_note": null, "first_year_fee_waived": false, "min_credit_limit": 500.0, "max_credit_limit": 80000.0, "rewards_program": null, "conditions": [ "0.00% on balance transfers for 20 months, 3% transfer fee, then 21.99% (the cash advance rate); new cards", "the first-year fee waiver in the feed is for the bank's existing customers only", "credit limit $500 to $80,000", "Have a regular, verifiable Australian taxable income for at least 3 months (18 months for self employed)", "You're up-to-date with your regular repayments (rent or home loan, phone, other credit cards and loans etc.)", "Have a fixed residential address in Australia" ], "restrictions": [], "source_kind": "feed", "record_stale": false, "bank_last_updated": "2026-11-05T02:44:44Z", "from_issuer_page": null, "balance_transfer": { "promo_rate_pct": 0.0, "promo_months": 20, "fee_pct": 3.0, "revert_rate_pct": 21.99, "revert_to": "cash_advance" } }, { "rank": 51, "brand": "NATIONAL AUSTRALIA BANK", "brand_label": "NAB", "brand_slug": "national-australia-bank", "product_id": "0c2ca397-dc24-4eb0-8fb9-e098c582ebd5", "product_name": "NAB Low Rate Card", "product_label": "Low Rate Card", "page": "/au/finance/credit-cards/cards/national-australia-bank/low-rate-card/", "product_url": "https://www.nab.com.au/personal/credit-cards/low-rate/nab-low-rate-card", "terms_url": "https://www.nab.com.au/personal/credit-cards/terms-conditions/digital", "key_facts_sheet_url": "https://www.nab.com.au/content/dam/nabrwd/documents/guides/banking/key-facts-credit-cards.pdf", "source_snapshot": "/au/finance/credit-cards/v1/source/national-australia-bank/0c2ca397-dc24-4eb0-8fb9-e098c582ebd5.json", "card_type": "credit", "scheme": "visa", "segments": [ "personal" ], "kind": "low_rate", "purchase_rate_pct": 13.99, "purchase_rate_range_pct": null, "no_interest_card": null, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 55, "annual_fee": 99.0, "fee_period": "annual", "fee_as_stated": 99.0, "annual_fee_stated": true, "annual_fee_note": null, "first_year_fee_waived": false, "min_credit_limit": 1000.0, "max_credit_limit": null, "rewards_program": null, "conditions": [ "corrected from the bank's own page: the bank's page offers 0% on balance transfers for 26 months with a 3% fee; its feed record still says 24", "0.00% on balance transfers for 26 months, 3% transfer fee, then 22.99% (the balance transfer rate)", "Lending criteria apply", "no card fee in the first year for existing NAB customers only; $99 otherwise", "balance transfer offer for new cards only", "late payment fee $20 a month when $50 or more is overdue" ], "restrictions": [], "source_kind": "feed", "record_stale": false, "bank_last_updated": "2026-10-01T13:59:59Z", "from_issuer_page": [ { "source": "correction", "fields": [ "bt_promo_months" ], "confirmed": "2026-11-12", "url": "https://www.nab.com.au/personal/credit-cards/low-rate/nab-low-rate-card#:~:text=0%25%20p.a.%20on%20balance%20transfers,with%20a%203%25%20BT%20fee", "quote": "0% p.a. on balance transfers (BT) for 26 months with a 3% BT fee" }, { "source": "watched_term", "fields": [ "first_year_fee_waived" ], "confirmed": "2026-11-12", "url": "https://www.nab.com.au/personal/credit-cards/low-rate/nab-low-rate-card#:~:text=Existing%20NAB%20customers%20enjoy%20no,p.a.%20from%20the%20second%20year.", "quote": "Existing NAB customers enjoy no annual fee for the first year, reverting to $99 p.a. from the second year." } ], "balance_transfer": { "promo_rate_pct": 0.0, "promo_months": 26, "fee_pct": 3.0, "revert_rate_pct": 22.99, "revert_to": "balance_transfer" } }, { "rank": 52, "brand": "Northern Inland Credit Union Limited", "brand_label": "Northern Inland Credit Union", "brand_slug": "northern-inland-credit-union-limited", "product_id": "NICUS55", "product_name": "Classic Credit Card", "product_label": "Classic Credit Card", "page": "/au/finance/credit-cards/cards/northern-inland-credit-union-limited/classic-credit-card/", "product_url": "https://nicu.com.au/banking/cards/visa-classic-credit-card", "terms_url": "https://www.nicu.com.au/banking/cards/visa-classic-credit-card", "key_facts_sheet_url": null, "source_snapshot": "/au/finance/credit-cards/v1/source/northern-inland-credit-union-limited/NICUS55.json", "card_type": "credit", "scheme": null, "segments": [ "personal" ], "kind": "low_rate", "purchase_rate_pct": 14.0, "purchase_rate_range_pct": null, "no_interest_card": null, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": null, "annual_fee": 40.0, "fee_period": "annual", "fee_as_stated": 40.0, "annual_fee_stated": true, "annual_fee_note": null, "first_year_fee_waived": false, "min_credit_limit": null, "max_credit_limit": null, "rewards_program": null, "conditions": [ "not updated by the bank since 2026-01-21; check its page, as the rate or fee may have changed", "Credit criteria and eligibility applies to all applicants. Terms and Conditions are available on application." ], "restrictions": [], "source_kind": "feed", "record_stale": true, "bank_last_updated": "2026-01-21T11:16:44.000+11:00", "from_issuer_page": null, "balance_transfer": null }, { "rank": 53, "brand": "Police Credit Union Ltd", "brand_label": "Police Credit Union", "brand_slug": "police-credit-union-ltd", "product_id": "extralite_Credit_Card", "product_name": "extralite Credit Card", "product_label": "Extralite Credit Card", "page": "/au/finance/credit-cards/cards/police-credit-union-ltd/extralite-credit-card/", "product_url": "https://www.policecu.com.au/products/extralite-credit-card", "terms_url": "https://www.policecu.com.au/PCUDocuments/Terms_and_Conditions_Credit_Card.pdf", "key_facts_sheet_url": "https://www.policecu.com.au/PCUDocuments/Credit_Card_Key_Fact_Sheet.pdf", "source_snapshot": "/au/finance/credit-cards/v1/source/police-credit-union-ltd/extralite_Credit_Card.json", "card_type": "credit", "scheme": null, "segments": [ "personal" ], "kind": "low_rate", "purchase_rate_pct": 14.24, "purchase_rate_range_pct": null, "no_interest_card": null, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 44, "annual_fee": 0, "fee_period": "annual", "fee_as_stated": 0, "annual_fee_stated": true, "annual_fee_note": null, "first_year_fee_waived": false, "min_credit_limit": 1000.0, "max_credit_limit": 10000, "rewards_program": null, "conditions": [ "corrected from the bank's own page: no annual fee, up to 44 interest-free days and limits of $1,000 to $10,000, per the credit union's card page (\"No monthly, annual, account keeping fees\") and Key Facts Sheet (\"Up to 44 days on purchases only\"; \"Min $1,000.00 - Max $10,000\"); the feed states none of them", "late payment fee $15 at 21 days in arrears and $25 at 35 days", "no annual or monthly card fee", "up to 44 interest-free days on purchases only", "credit limit $1,000 to $10,000" ], "restrictions": [], "source_kind": "feed", "record_stale": false, "bank_last_updated": "2026-04-27T11:31:49.000+09:30", "from_issuer_page": [ { "source": "correction", "fields": [ "annual_fee", "interest_free_days", "max_credit_limit" ], "confirmed": "2026-11-12", "url": "https://www.policecu.com.au/products/extralite-credit-card#:~:text=No%20monthly%2C%20annual%2C%20account%20keeping,fees%20on%20Visa%20credit%20purchases.", "quote": "No monthly, annual, account keeping fees, or transaction fees on Visa credit purchases." } ], "balance_transfer": null }, { "rank": 54, "brand": "Regional Australia Bank", "brand_label": "Regional Australia Bank", "brand_slug": "regional-australia-bank", "product_id": "8d097100-9251-4174-a9e5-8af00812ca87", "product_name": "Your Choice Visa Credit Card", "product_label": "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", "key_facts_sheet_url": null, "source_snapshot": "/au/finance/credit-cards/v1/source/regional-australia-bank/8d097100-9251-4174-a9e5-8af00812ca87.json", "card_type": "credit", "scheme": "visa", "segments": [ "personal" ], "kind": "low_rate", "purchase_rate_pct": 14.69, "purchase_rate_range_pct": null, "no_interest_card": null, "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, "first_year_fee_waived": false, "min_credit_limit": 500.0, "max_credit_limit": null, "rewards_program": 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" ], "restrictions": [], "source_kind": "feed", "record_stale": false, "bank_last_updated": "2026-06-29T04:05:39.586605Z", "from_issuer_page": null, "balance_transfer": null }, { "rank": 55, "brand": "Hume Bank", "brand_label": "Hume Bank", "brand_slug": "hume-bank", "product_id": "S32V1", "product_name": "Visa Clear", "product_label": "Visa Clear", "page": "/au/finance/credit-cards/cards/hume-bank/visa-clear/", "product_url": "https://www.humebank.com.au/personal/credit-cards/hume-clear-visa", "terms_url": "https://www.humebank.com.au/tools-help/product-tcs/", "key_facts_sheet_url": "https://www.humebank.com.au/media/2023/03/Key-Facts-About-This-Credit-Card-Personal.pdf", "source_snapshot": "/au/finance/credit-cards/v1/source/hume-bank/S32V1.json", "card_type": "credit", "scheme": "visa", "segments": [ "personal" ], "kind": "low_rate", "purchase_rate_pct": 14.95, "purchase_rate_range_pct": null, "no_interest_card": null, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 55, "annual_fee": 30.0, "fee_period": "annual", "fee_as_stated": 30.0, "annual_fee_stated": true, "annual_fee_note": "the feed's only periodic fee is labelled FEEVISAAN, read as the card's annual fee", "first_year_fee_waived": false, "min_credit_limit": 500.0, "max_credit_limit": 50000.0, "rewards_program": null, "conditions": [ "not updated by the bank since 2026-05-01; check its page, as the rate or fee may have changed", "credit limit $500 to $50,000", "$30 annual fee waived if the previous year's card spend exceeds $8,000", "2.85% foreign conversion fee on transactions in a currency other than Australian dollars", "$20 late payment fee" ], "restrictions": [], "source_kind": "feed", "record_stale": true, "bank_last_updated": "2026-05-01T11:47:56.000+10:00", "from_issuer_page": null, "balance_transfer": null }, { "rank": 56, "brand": "Queensland Country Bank", "brand_label": "Queensland Country Bank", "brand_slug": "queensland-country-bank", "product_id": "13", "product_name": "Visa Credit", "product_label": "Visa Credit", "page": "/au/finance/credit-cards/cards/queensland-country-bank/visa-credit/", "product_url": "https://www.queenslandcountry.bank/Banking/credit-cards/Visa-My-Rewards-Credit-Card/", "terms_url": "https://www.queenslandcountry.bank/siteassets/documents/brochures/brochure_account-access-facility.pdf", "key_facts_sheet_url": "https://delivery2.widgetworks.com.au/assets/creditcard-kfs/qcb/QCB_CreditCardKeyFactsSheet.pdf", "source_snapshot": "/au/finance/credit-cards/v1/source/queensland-country-bank/13.json", "card_type": "credit", "scheme": "visa", "segments": [ "personal" ], "kind": "low_rate", "purchase_rate_pct": 14.99, "purchase_rate_range_pct": null, "no_interest_card": null, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 55, "annual_fee": 39.0, "fee_period": "annual", "fee_as_stated": 39.0, "annual_fee_stated": true, "annual_fee_note": null, "first_year_fee_waived": false, "min_credit_limit": 500.0, "max_credit_limit": 60000.0, "rewards_program": null, "conditions": [ "credit limit $500 to $60,000" ], "restrictions": [], "source_kind": "feed", "record_stale": false, "bank_last_updated": "2026-11-12T02:00:23.5726091Z", "from_issuer_page": null, "balance_transfer": null }, { "rank": 57, "brand": "Queensland Country Bank", "brand_label": "Queensland Country Bank", "brand_slug": "queensland-country-bank", "product_id": "55", "product_name": "Visa Credit My Rewards", "product_label": "Visa Credit My Rewards", "page": "/au/finance/credit-cards/cards/queensland-country-bank/visa-credit-my-rewards/", "product_url": "https://www.queenslandcountry.bank/Banking/credit-cards/Visa-My-Rewards-Credit-Card/", "terms_url": "https://www.queenslandcountry.bank/siteassets/documents/brochures/brochure_account-access-facility.pdf", "key_facts_sheet_url": "https://delivery2.widgetworks.com.au/assets/creditcard-kfs/qcb/QCB_CreditCardKeyFactsSheet.pdf", "source_snapshot": "/au/finance/credit-cards/v1/source/queensland-country-bank/55.json", "card_type": "credit", "scheme": "visa", "segments": [ "personal" ], "kind": "low_rate", "purchase_rate_pct": 14.99, "purchase_rate_range_pct": null, "no_interest_card": null, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 55, "annual_fee": 89.0, "fee_period": "annual", "fee_as_stated": 89.0, "annual_fee_stated": true, "annual_fee_note": null, "first_year_fee_waived": false, "min_credit_limit": 500.0, "max_credit_limit": 60000.0, "rewards_program": null, "conditions": [ "credit limit $500 to $60,000", "$1 cash back per $150 of eligible spend, capped at $70 a month ($840 a year)" ], "restrictions": [], "source_kind": "feed", "record_stale": false, "bank_last_updated": "2026-11-12T02:00:23.5726091Z", "from_issuer_page": null, "balance_transfer": null }, { "rank": 58, "brand": "MyCard", "brand_label": "MyCard", "brand_slug": "mycard", "product_id": "bbf2b66e-203b-45a9-b40b-520e3ff4d2e4", "product_name": "MyCard Clear", "product_label": "Clear", "page": "/au/finance/credit-cards/cards/mycard/clear/", "product_url": "https://mycard.com.au/credit-cards/clear-card", "terms_url": "https://mycard.com.au/help-and-support/important-information/terms-and-conditions", "key_facts_sheet_url": null, "source_snapshot": "/au/finance/credit-cards/v1/source/mycard/bbf2b66e-203b-45a9-b40b-520e3ff4d2e4.json", "card_type": "credit", "scheme": "mastercard", "segments": [ "personal" ], "kind": "low_rate", "purchase_rate_pct": 14.99, "purchase_rate_range_pct": null, "no_interest_card": null, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 44, "annual_fee": 149.0, "fee_period": "annual", "fee_as_stated": 149.0, "annual_fee_stated": true, "annual_fee_note": null, "first_year_fee_waived": false, "min_credit_limit": 2000.0, "max_credit_limit": 100000.0, "rewards_program": null, "conditions": [ "corrected from the bank's own page: the issuer's page offers 0% on balance transfers for 24 months with a 3% fee, reverting to the cash advance rate; its feed carries no offer", "credit limit $2,000 to $100,000", "cash advance fee 3.5%, minimum $3.50, in Australia and overseas", "offers not available when closing or transferring from another MyCard card", "$2 a month paper statement fee", "0% on balance transfers for 24 months, 3% transfer fee, then the cash advance rate" ], "restrictions": [], "source_kind": "feed", "record_stale": false, "bank_last_updated": "2026-11-02T00:00:00Z", "from_issuer_page": [ { "source": "correction", "fields": [ "bt_promo_rate_pct", "bt_promo_months", "bt_fee_pct", "bt_revert_rate_pct" ], "confirmed": "2026-11-12", "url": "https://www.mycard.com.au/credit-cards/clear-card#:~:text=Get%200%25%20p.a.%20for%2024%20months%20on%20balance%20transfers.", "quote": "Get 0% p.a. for 24 months on balance transfers." } ], "balance_transfer": { "promo_rate_pct": 0.0, "promo_months": 24, "fee_pct": 3.0, "revert_rate_pct": 22.24, "revert_to": "cash_advance" } }, { "rank": 59, "brand": "Bankwest", "brand_label": "Bankwest", "brand_slug": "bankwest", "product_id": "2c63479dd51441b1b4d388d8bc186840", "product_name": "Bankwest More World Mastercard", "product_label": "More World Mastercard", "page": "/au/finance/credit-cards/cards/bankwest/more-world-mastercard/", "product_url": "https://www.bankwest.com.au/credit-cards/rewards", "terms_url": null, "key_facts_sheet_url": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20220227-113508.pdf", "source_snapshot": "/au/finance/credit-cards/v1/source/bankwest/2c63479dd51441b1b4d388d8bc186840.json", "card_type": "credit", "scheme": "mastercard", "segments": [ "personal" ], "kind": "low_rate", "purchase_rate_pct": 14.99, "purchase_rate_range_pct": null, "no_interest_card": null, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 44, "annual_fee": 270.0, "fee_period": "annual", "fee_as_stated": 270.0, "annual_fee_stated": true, "annual_fee_note": null, "first_year_fee_waived": false, "min_credit_limit": 6000.0, "max_credit_limit": null, "rewards_program": "More Rewards", "conditions": [ "0.00% on balance transfers for 6 months, 1% transfer fee, then 14.99% (the balance transfer rate); new cards", "credit limit from $6,000", "Customers must meet Bankwest's credit assessment criteria, which includes demonstrating the capacity to service the credit facility.", "no foreign transaction fees or overseas ATM fees", "cash advance fee 3% or $4, whichever is greater", "minimum balance transfer $500" ], "restrictions": [], "source_kind": "feed", "record_stale": false, "bank_last_updated": "2026-10-09T11:08:30.000Z", "from_issuer_page": null, "balance_transfer": { "promo_rate_pct": 0.0, "promo_months": 6, "fee_pct": 1.0, "revert_rate_pct": 14.99, "revert_to": "balance_transfer" } }, { "rank": 60, "brand": "ING BANK (Australia) Ltd", "brand_label": "ING", "brand_slug": "ing-bank-australia-ltd", "product_id": "a4ea7460-9e69-499d-84dd-f281c7a04130", "product_name": "Orange One Rewards Platinum", "product_label": "Orange One Rewards Platinum", "page": "/au/finance/credit-cards/cards/ing-bank-australia-ltd/orange-one-rewards-platinum/", "product_url": "https://www.ing.com.au/credit-cards/orange-one-platinum.html", "terms_url": "https://www.ing.com.au/pdf/orangeone/Orange%20One%20Terms%20and%20Conditions.pdf", "key_facts_sheet_url": "https://www.ing.com.au/pdf/orangeone/Orange%20One%20Key%20Facts%20Sheet.pdf", "source_snapshot": "/au/finance/credit-cards/v1/source/ing-bank-australia-ltd/a4ea7460-9e69-499d-84dd-f281c7a04130.json", "card_type": "credit", "scheme": "visa", "segments": [ "personal" ], "kind": "low_rate", "purchase_rate_pct": 16.99, "purchase_rate_range_pct": null, "no_interest_card": null, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 45, "annual_fee": 149.0, "fee_period": "annual", "fee_as_stated": 149.0, "annual_fee_stated": true, "annual_fee_note": null, "first_year_fee_waived": false, "min_credit_limit": 6000.0, "max_credit_limit": 30000.0, "rewards_program": "Cash back", "conditions": [ "credit limit $6,000 to $30,000", "minimum income $36,000 a year", "Have and maintain an Australian residential address.", "You need to hold, or have applied for, an ING Orange Everyday Transaction Account at the time you apply.", "Monthly Auto-Pay from a linked ING account for the Minimum or Full Amount." ], "restrictions": [], "source_kind": "feed", "record_stale": false, "bank_last_updated": "2026-08-11T06:21:03.003Z", "from_issuer_page": null, "balance_transfer": null }, { "rank": 61, "brand": "Bankwest", "brand_label": "Bankwest", "brand_slug": "bankwest", "product_id": "1fd24bada54f4bcebdac39458c282f35", "product_name": "Bankwest Zero Platinum Mastercard", "product_label": "Zero Platinum Mastercard", "page": "/au/finance/credit-cards/cards/bankwest/zero-platinum-mastercard/", "product_url": "https://www.bankwest.com.au/credit-cards/no-annual-fee", "terms_url": null, "key_facts_sheet_url": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20220227-113508.pdf", "source_snapshot": "/au/finance/credit-cards/v1/source/bankwest/1fd24bada54f4bcebdac39458c282f35.json", "card_type": "credit", "scheme": "mastercard", "segments": [ "personal" ], "kind": "low_rate", "purchase_rate_pct": 18.99, "purchase_rate_range_pct": null, "no_interest_card": null, "intro_purchase_rate_pct": 0.0, "intro_purchase_months": 6, "interest_free_days": 55, "annual_fee": 0.0, "fee_period": "annual", "fee_as_stated": 0.0, "annual_fee_stated": true, "annual_fee_note": null, "first_year_fee_waived": false, "min_credit_limit": 1000.0, "max_credit_limit": null, "rewards_program": null, "conditions": [ "0.00% on purchases for the first 6 months, then the purchase rate", "0.00% on balance transfers for 6 months, 3% transfer fee, then 18.99% (the balance transfer rate); new cards", "Customers must meet Bankwest's credit assessment criteria, which includes demonstrating the capacity to service the credit facility.", "no foreign transaction fees or overseas ATM fees", "cash advance fee 3% or $4, whichever is greater", "minimum balance transfer $500" ], "restrictions": [], "source_kind": "feed", "record_stale": false, "bank_last_updated": "2026-10-09T11:08:30.000Z", "from_issuer_page": null, "balance_transfer": { "promo_rate_pct": 0.0, "promo_months": 6, "fee_pct": 3.0, "revert_rate_pct": 18.99, "revert_to": "balance_transfer" } }, { "rank": 62, "brand": "Summerland Bank", "brand_label": "Summerland Bank", "brand_slug": "summerland-bank", "product_id": "75", "product_name": "Rewards Credit Card", "product_label": "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", "key_facts_sheet_url": "https://www.summerland.com.au/app/uploads/2023/12/credit-card-key-fact-sheet.pdf", "source_snapshot": "/au/finance/credit-cards/v1/source/summerland-bank/75.json", "card_type": "credit", "scheme": "visa", "segments": [ "personal" ], "kind": "low_rate", "purchase_rate_pct": 18.99, "purchase_rate_range_pct": null, "no_interest_card": null, "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, "first_year_fee_waived": false, "min_credit_limit": null, "max_credit_limit": null, "rewards_program": "Summerland Credit Card Rewards Program", "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" ], "restrictions": [], "source_kind": "feed", "record_stale": false, "bank_last_updated": "2026-11-12T02:00:41.0226439Z", "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" } ], "balance_transfer": { "promo_rate_pct": 0.0, "promo_months": 12, "fee_pct": null, "revert_rate_pct": null, "revert_to": null } }, { "rank": 63, "brand": "Bank Australia", "brand_label": "Bank Australia", "brand_slug": "bank-australia", "product_id": "7f413f78-bbd6-4cd7-836b-04887d0e15dc", "product_name": "Visa Credit Card", "product_label": "Visa Credit Card", "page": "/au/finance/credit-cards/cards/bank-australia/visa-credit-card/", "product_url": "https://www.bankaust.com.au/banking/credit-cards/visa-credit-card", "terms_url": "https://www.bankaust.com.au/support/disclosures", "key_facts_sheet_url": "https://cdn.bfldr.com/1R31Y8GR/as/9qkmbrnz2ccnwfjwnzhbt9v/Credit_card_key_facts_sheet", "source_snapshot": "/au/finance/credit-cards/v1/source/bank-australia/7f413f78-bbd6-4cd7-836b-04887d0e15dc.json", "card_type": "credit", "scheme": "visa", "segments": [ "personal" ], "kind": "low_rate", "purchase_rate_pct": 19.74, "purchase_rate_range_pct": null, "no_interest_card": null, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 55, "annual_fee": 0.0, "fee_period": "annual", "fee_as_stated": 0.0, "annual_fee_stated": true, "annual_fee_note": null, "first_year_fee_waived": false, "min_credit_limit": 1000.0, "max_credit_limit": null, "rewards_program": null, "conditions": [ "Each application for credit is subject to our normal lending criteria and approval.", "no annual fee" ], "restrictions": [], "source_kind": "feed", "record_stale": false, "bank_last_updated": "2026-10-27T22:30:45.766Z", "from_issuer_page": null, "balance_transfer": null }, { "rank": 64, "brand": "Bendigo Bank", "brand_label": "Bendigo Bank", "brand_slug": "bendigo-bank", "product_id": "c9e36d80-661e-4aad-87d5-90521d174882", "product_name": "Bendigo Ready Credit Card", "product_label": "Ready Credit Card", "page": "/au/finance/credit-cards/cards/bendigo-bank/ready-credit-card/", "product_url": "https://www.bendigobank.com.au/personal/credit-cards/ready/", "terms_url": "https://www.bendigobank.com.au/globalassets/documents/disclosures/bendigo-credit-card-terms-conditions.pdf", "key_facts_sheet_url": "https://www.bendigobank.com.au/globalassets/documents/personal/creditcards/credit-cards-key-fact-sheet.pdf", "source_snapshot": "/au/finance/credit-cards/v1/source/bendigo-bank/c9e36d80-661e-4aad-87d5-90521d174882.json", "card_type": "credit", "scheme": "mastercard", "segments": [ "personal" ], "kind": "low_rate", "purchase_rate_pct": 19.99, "purchase_rate_range_pct": null, "no_interest_card": null, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 55, "annual_fee": 0.0, "fee_period": "annual", "fee_as_stated": 0.0, "annual_fee_stated": true, "annual_fee_note": null, "first_year_fee_waived": false, "min_credit_limit": 3000.0, "max_credit_limit": 50000.0, "rewards_program": null, "conditions": [ "credit limit $3,000 to $50,000", "no international transaction fees", "cash advance fee $3 or 3%, whichever is greater", "Australian citizens or permanent residents living or working in Australia; personal use only" ], "restrictions": [], "source_kind": "feed", "record_stale": false, "bank_last_updated": "2026-10-26T04:53:22.959Z", "from_issuer_page": null, "balance_transfer": null }, { "rank": 65, "brand": "Bank of China", "brand_label": "Bank of China", "brand_slug": "bank-of-china", "product_id": "MALAMAU4", "product_name": "Bank of China Great Wall International MasterCard Credit Card (Low Fee Card)", "product_label": "Great Wall International MasterCard Credit Card (Low Fee Card)", "page": "/au/finance/credit-cards/cards/bank-of-china/great-wall-international-mastercard-credit-card-low-fee-card/", "product_url": "https://www.bankofchina.com/au/en/pbservice/pb4/201801/t20180125_11256138.html", "terms_url": "https://www.bankofchina.com/au/en/bocinfo/bi3/201502/t20150217_10963588.html", "key_facts_sheet_url": null, "source_snapshot": "/au/finance/credit-cards/v1/source/bank-of-china/MALAMAU4.json", "card_type": "credit", "scheme": "mastercard", "segments": [ "personal" ], "kind": "low_rate", "purchase_rate_pct": 19.99, "purchase_rate_range_pct": null, "no_interest_card": null, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 50, "annual_fee": 20.0, "fee_period": "annual", "fee_as_stated": 20.0, "annual_fee_stated": true, "annual_fee_note": null, "first_year_fee_waived": false, "min_credit_limit": 500.0, "max_credit_limit": null, "rewards_program": null, "conditions": [ "not updated by the bank since 2024-09-25; check its page, as the rate or fee may have changed", "up to 55 interest-free days on purchases (feed says 50)" ], "restrictions": [], "source_kind": "feed", "record_stale": true, "bank_last_updated": "2024-09-25T04:00:00.000+10:00", "from_issuer_page": null, "balance_transfer": null }, { "rank": 66, "brand": "Bank of China", "brand_label": "Bank of China", "brand_slug": "bank-of-china", "product_id": "UAURUAU1", "product_name": "Bank of China Global UnionPay Card", "product_label": "Global UnionPay Card", "page": "/au/finance/credit-cards/cards/bank-of-china/global-unionpay-card/", "product_url": "https://www.bankofchina.com/au/en/pbservice/pb4/202102/t20210211_19987339.html", "terms_url": "https://www.bankofchina.com/au/en/bocinfo/bi3/201502/t20150217_10963588.html", "key_facts_sheet_url": null, "source_snapshot": "/au/finance/credit-cards/v1/source/bank-of-china/UAURUAU1.json", "card_type": "credit", "scheme": "unionpay", "segments": [ "personal" ], "kind": "low_rate", "purchase_rate_pct": 19.99, "purchase_rate_range_pct": null, "no_interest_card": null, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 50, "annual_fee": 60.0, "fee_period": "annual", "fee_as_stated": 60.0, "annual_fee_stated": true, "annual_fee_note": null, "first_year_fee_waived": false, "min_credit_limit": 500.0, "max_credit_limit": null, "rewards_program": "Rewards Points", "conditions": [ "not updated by the bank since 2024-09-25; check its page, as the rate or fee may have changed", "$20 a year for each additional card", "rewards points expire two years after they are earned" ], "restrictions": [], "source_kind": "feed", "record_stale": true, "bank_last_updated": "2024-09-25T04:00:00.000+10:00", "from_issuer_page": null, "balance_transfer": null }, { "rank": 67, "brand": "Bendigo Bank", "brand_label": "Bendigo Bank", "brand_slug": "bendigo-bank", "product_id": "4550220b-7b80-4c6a-a446-221e42453768", "product_name": "Platinum Rewards Credit Card", "product_label": "Platinum Rewards Credit Card", "page": "/au/finance/credit-cards/cards/bendigo-bank/platinum-rewards-credit-card/", "product_url": "https://www.bendigobank.com.au/personal/credit-cards/platinum-rewards-mastercard/", "terms_url": "https://www.bendigobank.com.au/globalassets/documents/disclosures/bendigo-credit-card-terms-conditions.pdf", "key_facts_sheet_url": "https://www.bendigobank.com.au/globalassets/documents/personal/creditcards/credit-cards-key-fact-sheet.pdf", "source_snapshot": "/au/finance/credit-cards/v1/source/bendigo-bank/4550220b-7b80-4c6a-a446-221e42453768.json", "card_type": "credit", "scheme": "mastercard", "segments": [ "personal" ], "kind": "low_rate", "purchase_rate_pct": 19.99, "purchase_rate_range_pct": null, "no_interest_card": null, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 55, "annual_fee": 89.0, "fee_period": "annual", "fee_as_stated": 89.0, "annual_fee_stated": true, "annual_fee_note": null, "first_year_fee_waived": false, "min_credit_limit": 3000.0, "max_credit_limit": 50000.0, "rewards_program": "Bendigo Bank Rewards", "conditions": [ "credit limit $3,000 to $50,000", "from 23 November 2026, 1 point per $1 on domestic and 2 points per $1 on international transactions instead of 1.5 points", "cash advance fee $3 or 3%, whichever is greater", "Australian citizens or permanent residents living or working in Australia; personal use only" ], "restrictions": [], "source_kind": "feed", "record_stale": false, "bank_last_updated": "2026-10-26T03:56:23.669Z", "from_issuer_page": null, "balance_transfer": null }, { "rank": 68, "brand": "Bank of China", "brand_label": "Bank of China", "brand_slug": "bank-of-china", "product_id": "MAUGMAU1", "product_name": "Bank of China Great Wall International MasterCard Credit Card (Gold Card)", "product_label": "Great Wall International MasterCard Credit Card (Gold Card)", "page": "/au/finance/credit-cards/cards/bank-of-china/great-wall-international-mastercard-credit-card-gold-card/", "product_url": "https://www.bankofchina.com/au/en/pbservice/pb4/201801/t20180125_11256138.html", "terms_url": "https://www.bankofchina.com/au/en/bocinfo/bi3/201502/t20150217_10963588.html", "key_facts_sheet_url": null, "source_snapshot": "/au/finance/credit-cards/v1/source/bank-of-china/MAUGMAU1.json", "card_type": "credit", "scheme": "mastercard", "segments": [ "personal" ], "kind": "low_rate", "purchase_rate_pct": 19.99, "purchase_rate_range_pct": null, "no_interest_card": null, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 50, "annual_fee": 100.0, "fee_period": "annual", "fee_as_stated": 100.0, "annual_fee_stated": true, "annual_fee_note": null, "first_year_fee_waived": false, "min_credit_limit": 4000.0, "max_credit_limit": null, "rewards_program": "Rewards Points", "conditions": [ "not updated by the bank since 2024-09-25; check its page, as the rate or fee may have changed", "$20 a year for each additional card", "up to 55 interest-free days on purchases (feed says 50)", "rewards points expire two years after they are earned" ], "restrictions": [], "source_kind": "feed", "record_stale": true, "bank_last_updated": "2024-09-25T04:00:00.000+10:00", "from_issuer_page": null, "balance_transfer": null }, { "rank": 69, "brand": "Great Southern Bank", "brand_label": "Great Southern Bank", "brand_slug": "great-southern-bank", "product_id": "2695-0100", "product_name": "Platinum Credit Card", "product_label": "Platinum Credit Card", "page": "/au/finance/credit-cards/cards/great-southern-bank/platinum-credit-card/", "product_url": "https://www.greatsouthernbank.com.au/credit-cards/platinum", "terms_url": "https://www.greatsouthernbank.com.au/__data/assets/pdf_file/0024/536154/RC00689_CREDIT_CARD_Conditions_of_Use_and_Credit_Guide_260911.pdf", "key_facts_sheet_url": "https://www.greatsouthernbank.com.au/__data/assets/pdf_file/0025/536155/KFS_KEY-FACTS-SHEET_250725.pdf", "source_snapshot": "/au/finance/credit-cards/v1/source/great-southern-bank/2695-0100.json", "card_type": "credit", "scheme": "visa", "segments": [ "personal" ], "kind": "low_rate", "purchase_rate_pct": 19.99, "purchase_rate_range_pct": null, "no_interest_card": null, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 55, "annual_fee": 144.0, "fee_period": "monthly", "fee_as_stated": 12.0, "annual_fee_stated": true, "annual_fee_note": null, "first_year_fee_waived": false, "min_credit_limit": 6000.0, "max_credit_limit": null, "rewards_program": "Cashback", "conditions": [ "corrected from the bank's own page: 19.99% on purchases, a $12 monthly fee and no international fees on purchases (fees current as at 20 September 2025)", "credit limit from $6,000", "Applications for credit cards are subject to credit approval.", "cash advance fee 2% of the amount, minimum $3.50", "no foreign exchange fee (the fee applies to the Low Rate card only)" ], "restrictions": [], "source_kind": "feed", "record_stale": false, "bank_last_updated": "2026-10-30T21:01:00.00000Z", "from_issuer_page": [ { "source": "correction", "fields": [ "foreign_transaction_fee_pct" ], "confirmed": "2026-11-12", "url": "https://www.greatsouthernbank.com.au/credit-cards/platinum#:~:text=No%20international%20fees%20on%20your%20purchases%20overseas.", "quote": "No international fees on your purchases overseas." } ], "balance_transfer": null }, { "rank": 70, "brand": "Bendigo Bank", "brand_label": "Bendigo Bank", "brand_slug": "bendigo-bank", "product_id": "f2476015-6ff3-4165-8d89-c8ca7fe76735", "product_name": "Qantas Platinum Credit Card", "product_label": "Qantas Platinum Credit Card", "page": "/au/finance/credit-cards/cards/bendigo-bank/qantas-platinum-credit-card/", "product_url": "https://www.bendigobank.com.au/personal/credit-cards/qantas-platinum-mastercard/", "terms_url": "https://www.bendigobank.com.au/globalassets/documents/disclosures/bendigo-credit-card-terms-conditions.pdf", "key_facts_sheet_url": "https://www.bendigobank.com.au/globalassets/documents/personal/creditcards/credit-cards-key-fact-sheet.pdf", "source_snapshot": "/au/finance/credit-cards/v1/source/bendigo-bank/f2476015-6ff3-4165-8d89-c8ca7fe76735.json", "card_type": "credit", "scheme": "mastercard", "segments": [ "personal" ], "kind": "low_rate", "purchase_rate_pct": 19.99, "purchase_rate_range_pct": null, "no_interest_card": null, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 55, "annual_fee": 149.0, "fee_period": "annual", "fee_as_stated": 149.0, "annual_fee_stated": true, "annual_fee_note": null, "first_year_fee_waived": false, "min_credit_limit": 3000.0, "max_credit_limit": 50000.0, "rewards_program": "Free Qantas Frequent Flyer Membership", "conditions": [ "credit limit $3,000 to $50,000", "annual fee rises from $149 to $199 from 23 November 2026", "earn rate falls from 0.6 to 0.5 Qantas Points per $1 from 23 November 2026", "0.6 Qantas Points per $1, capped at 20,000 points per statement period", "cash advance fee $3 or 3%, whichever is greater", "Australian citizens or permanent residents living or working in Australia; personal use only" ], "restrictions": [], "source_kind": "feed", "record_stale": false, "bank_last_updated": "2026-10-28T05:19:01.570Z", "from_issuer_page": null, "balance_transfer": null }, { "rank": 71, "brand": "Bankwest", "brand_label": "Bankwest", "brand_slug": "bankwest", "product_id": "ff24e3061b6a4de3b91c101607c3f15f", "product_name": "Bankwest Qantas Platinum Mastercard", "product_label": "Qantas Platinum Mastercard", "page": "/au/finance/credit-cards/cards/bankwest/qantas-platinum-mastercard/", "product_url": "https://www.bankwest.com.au/credit-cards/qantas-frequent-flyer", "terms_url": null, "key_facts_sheet_url": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20220227-113508.pdf", "source_snapshot": "/au/finance/credit-cards/v1/source/bankwest/ff24e3061b6a4de3b91c101607c3f15f.json", "card_type": "credit", "scheme": "mastercard", "segments": [ "personal" ], "kind": "low_rate", "purchase_rate_pct": 19.99, "purchase_rate_range_pct": null, "no_interest_card": null, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 44, "annual_fee": 199.0, "fee_period": "annual", "fee_as_stated": 199.0, "annual_fee_stated": true, "annual_fee_note": null, "first_year_fee_waived": false, "min_credit_limit": 1000.0, "max_credit_limit": null, "rewards_program": "Qantas Rewards", "conditions": [ "2.99% on balance transfers for 9 months, 0% transfer fee, then 19.99% (the balance transfer rate); new cards", "Customers must meet Bankwest's credit assessment criteria, which includes demonstrating the capacity to service the credit facility.", "no foreign transaction fees or overseas ATM fees", "cash advance fee 3% or $4, whichever is greater", "minimum balance transfer $500", "temporary residents on some visa types cannot apply" ], "restrictions": [], "source_kind": "feed", "record_stale": false, "bank_last_updated": "2026-10-09T11:08:30.000Z", "from_issuer_page": null, "balance_transfer": { "promo_rate_pct": 2.99, "promo_months": 9, "fee_pct": 0.0, "revert_rate_pct": 19.99, "revert_to": "balance_transfer" } }, { "rank": 72, "brand": "Unity Bank", "brand_label": "Unity Bank", "brand_slug": "unity-bank", "product_id": "S78_PLATINUM_VISA_CREDIT_CARD", "product_name": "Platinum Visa Credit Card", "product_label": "Platinum Visa Credit Card", "page": "/au/finance/credit-cards/cards/unity-bank/platinum-visa-credit-card/", "product_url": "https://www.unity.bank/personal-loans/credit-card/platinum-visa-credit-card/", "terms_url": "https://www.unity.bank/reusable-documents/disclosure-documents/account-and-access-facility-conditions-of-use/", "key_facts_sheet_url": null, "source_snapshot": "/au/finance/credit-cards/v1/source/unity-bank/S78_PLATINUM_VISA_CREDIT_CARD.json", "card_type": "credit", "scheme": "visa", "segments": [ "personal" ], "kind": "low_rate", "purchase_rate_pct": 19.99, "purchase_rate_range_pct": null, "no_interest_card": null, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 50, "annual_fee": 299.0, "fee_period": "annual", "fee_as_stated": 299.0, "annual_fee_stated": true, "annual_fee_note": null, "first_year_fee_waived": false, "min_credit_limit": 6000.0, "max_credit_limit": 75000.0, "rewards_program": "Qantas Frequent Flyer Points", "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" ], "restrictions": [], "source_kind": "feed", "record_stale": false, "bank_last_updated": "2026-09-14T10:49:01.000+10:00", "from_issuer_page": null, "balance_transfer": null }, { "rank": 73, "brand": "Bankwest", "brand_label": "Bankwest", "brand_slug": "bankwest", "product_id": "cb71b15aa8b3455080d370ee41f7df25", "product_name": "Bankwest Qantas World Mastercard", "product_label": "Qantas World Mastercard", "page": "/au/finance/credit-cards/cards/bankwest/qantas-world-mastercard/", "product_url": "https://www.bankwest.com.au/credit-cards/qantas-frequent-flyer", "terms_url": null, "key_facts_sheet_url": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20220227-113508.pdf", "source_snapshot": "/au/finance/credit-cards/v1/source/bankwest/cb71b15aa8b3455080d370ee41f7df25.json", "card_type": "credit", "scheme": "mastercard", "segments": [ "personal" ], "kind": "low_rate", "purchase_rate_pct": 19.99, "purchase_rate_range_pct": null, "no_interest_card": null, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 44, "annual_fee": 320.0, "fee_period": "annual", "fee_as_stated": 320.0, "annual_fee_stated": true, "annual_fee_note": null, "first_year_fee_waived": false, "min_credit_limit": 6000.0, "max_credit_limit": null, "rewards_program": "Qantas Rewards", "conditions": [ "2.99% on balance transfers for 9 months, 0% transfer fee, then 19.99% (the balance transfer rate); new cards", "credit limit from $6,000", "Customers must meet Bankwest's credit assessment criteria, which includes demonstrating the capacity to service the credit facility.", "no foreign transaction fees or overseas ATM fees", "cash advance fee 3% or $4, whichever is greater", "minimum balance transfer $500" ], "restrictions": [], "source_kind": "feed", "record_stale": false, "bank_last_updated": "2026-10-09T11:08:30.000Z", "from_issuer_page": null, "balance_transfer": { "promo_rate_pct": 2.99, "promo_months": 9, "fee_pct": 0.0, "revert_rate_pct": 19.99, "revert_to": "balance_transfer" } }, { "rank": 74, "brand": "Virgin Money", "brand_label": "Virgin Money", "brand_slug": "virgin-money", "product_id": "8db23721-102c-ee11-9965-002248e1d56c", "product_name": "Virgin Money No Annual Fee Credit Card", "product_label": "No Annual Fee Credit Card", "page": "/au/finance/credit-cards/cards/virgin-money/no-annual-fee-credit-card/", "product_url": "https://www.virginmoney.com.au/credit-cards/no-annual-fee-credit-card", "terms_url": "https://www.virginmoney.com.au/content/dam/virginmoney/vma-downloads/credit-cards/credit-card-terms-and-conditions.pdf", "key_facts_sheet_url": null, "source_snapshot": "/au/finance/credit-cards/v1/source/virgin-money/8db23721-102c-ee11-9965-002248e1d56c.json", "card_type": "credit", "scheme": "visa", "segments": [ "personal" ], "kind": "low_rate", "purchase_rate_pct": 19.99, "purchase_rate_range_pct": null, "no_interest_card": null, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 55, "annual_fee": null, "fee_period": null, "fee_as_stated": null, "annual_fee_stated": false, "annual_fee_note": "the feed lists no annual or monthly card fee, so none is claimed", "first_year_fee_waived": false, "min_credit_limit": 2000.0, "max_credit_limit": null, "rewards_program": "Virgin Money Rewards", "conditions": [ "0.00% on balance transfers for 6 months, 0% transfer fee, then 20.99% (the cash advance rate)", "minimum income $25,000 a year", "balance transfers limited to 80% of the credit limit and must be requested when applying; no points on transferred balances" ], "restrictions": [], "source_kind": "feed", "record_stale": false, "bank_last_updated": "2026-07-12T23:59:15Z", "from_issuer_page": null, "balance_transfer": { "promo_rate_pct": 0.0, "promo_months": 6, "fee_pct": 0.0, "revert_rate_pct": 20.99, "revert_to": "cash_advance" } }, { "rank": 75, "brand": "BOQ Specialist", "brand_label": "BOQ Specialist", "brand_slug": "boq-specialist", "product_id": "09186288-5c03-ee11-8f6e-00224814dce7", "product_name": "Signature Visa Credit Card", "product_label": "Signature Visa Credit Card", "page": "/au/finance/credit-cards/cards/boq-specialist/signature-visa-credit-card/", "product_url": "https://www.boqspecialist.com.au/personal-banking/credit-cards", "terms_url": "https://www.boqspecialist.com.au/help-and-support/important-information/terms-and-conditions", "key_facts_sheet_url": "https://www.boqspecialist.com.au/content/dam/boq-specialist/files/products/credit-cards/terms-and-conditions/CREDIT-CARD-KEY-FACTS-SHEET.pdf", "source_snapshot": "/au/finance/credit-cards/v1/source/boq-specialist/09186288-5c03-ee11-8f6e-00224814dce7.json", "card_type": "credit", "scheme": "visa", "segments": [ "personal" ], "kind": "low_rate", "purchase_rate_pct": 20.5, "purchase_rate_range_pct": null, "no_interest_card": null, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": null, "annual_fee": 400.0, "fee_period": "annual", "fee_as_stated": 400.0, "annual_fee_stated": true, "annual_fee_note": null, "first_year_fee_waived": false, "min_credit_limit": 15000.0, "max_credit_limit": null, "rewards_program": "Frequent Flyer Rewards", "conditions": [ "credit limit from $15,000", "minimum income $120,000 a year", "Product is generally offered to medical, dental, veterinary or accounting professions and their associates and suppliers", "up to 55 interest-free days on purchases", "domestic points capped: 1 point per $1 to $5,000 a statement period, 0.25 to $10,000, none above; international uncapped", "20,000 bonus points for new cardholders who use the card 10 times in the first 60 days" ], "restrictions": [], "source_kind": "feed", "record_stale": false, "bank_last_updated": "2026-10-26T02:59:52Z", "from_issuer_page": null, "balance_transfer": null }, { "rank": 76, "brand": "Westpac", "brand_label": "Westpac", "brand_slug": "westpac", "product_id": "CCLowFee", "product_name": "Low Fee Card", "product_label": "Low Fee Card", "page": "/au/finance/credit-cards/cards/westpac/low-fee-card/", "product_url": "https://www.westpac.com.au/credit-cards/low-fee", "terms_url": "https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/westpac-credit-card-terms-and-conditions.pdf", "key_facts_sheet_url": "https://www.westpac.com.au/credit-cards/credit-cards-fact-sheet", "source_snapshot": "/au/finance/credit-cards/v1/source/westpac/CCLowFee.json", "card_type": "credit", "scheme": "mastercard", "segments": [ "personal" ], "kind": "low_rate", "purchase_rate_pct": 20.99, "purchase_rate_range_pct": null, "no_interest_card": null, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 55, "annual_fee": 30.0, "fee_period": "annual", "fee_as_stated": 30.0, "annual_fee_stated": true, "annual_fee_note": null, "first_year_fee_waived": true, "min_credit_limit": 500.0, "max_credit_limit": 50000.0, "rewards_program": null, "conditions": [ "no card fee in the first year, as the feed's discount states", "credit limit $500 to $50,000", "minimum income $30,000 a year", "Customer having a regular, verifiable Australian taxable income.", "Customer having a fixed, verifiable residential address in Australia.", "offers for new cards only; not if you held any Westpac credit card in the last 24 months" ], "restrictions": [], "source_kind": "feed", "record_stale": false, "bank_last_updated": "2026-10-29T02:41:55Z", "from_issuer_page": null, "balance_transfer": null }, { "rank": 77, "brand": "CommBank", "brand_label": "CommBank", "brand_slug": "commbank", "product_id": "76d24ebc94e94b368f829e343dce4b49", "product_name": "Low Fee credit card", "product_label": "Low Fee Credit Card", "page": "/au/finance/credit-cards/cards/commbank/low-fee-credit-card/", "product_url": "https://www.commbank.com.au/credit-cards/low-fee.html", "terms_url": "https://www.commbank.com.au/content/dam/commbank/personal/apply-online/download-printed-forms/cc2-cou.pdf", "key_facts_sheet_url": "https://www.commbank.com.au/content/dam/commbank/personal/apply-online/download-printed-forms/cc-keyfacts.pdf", "source_snapshot": "/au/finance/credit-cards/v1/source/commbank/76d24ebc94e94b368f829e343dce4b49.json", "card_type": "credit", "scheme": "mastercard", "segments": [ "personal" ], "kind": "low_rate", "purchase_rate_pct": 20.99, "purchase_rate_range_pct": null, "no_interest_card": null, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 55, "annual_fee": 36.0, "fee_period": "monthly", "fee_as_stated": 3.0, "annual_fee_stated": true, "annual_fee_note": null, "first_year_fee_waived": false, "min_credit_limit": 500.0, "max_credit_limit": null, "rewards_program": null, "conditions": [ "Applications for credit cards are subject to credit approval.", "Each application for credit is assessed on the ability of the applicant to service debt (limit) based on the financials supplied in the application.", "from 1 February 2027 the purchase rate rises to 21.99%, the cash advance rate to 23.99% and the monthly fee to $4 (no fee when $300 is spent); from 1 April 2027 interest-free days fall from 55 to 44", "from 1 April 2027 up to 44 interest-free days, down from 55", "from 1 February 2027 the cash advance fee becomes $4 or 3.5% (whichever is greater) with no $300 cap", "offer not for anyone holding, or who held in the last 24 months, a Low Rate or Low Fee card, nor for switches" ], "restrictions": [], "source_kind": "feed", "record_stale": false, "bank_last_updated": "2026-11-12T02:15:46.000Z", "from_issuer_page": null, "balance_transfer": null }, { "rank": 78, "brand": "Qantas Money Credit Cards", "brand_label": "Qantas Money Credit Cards", "brand_slug": "qantas-money-credit-cards", "product_id": "3c2e5891-989b-4722-bc22-c30cb30137b6", "product_name": "Qantas Money Everyday Credit Card", "product_label": "Money Everyday Credit Card", "page": "/au/finance/credit-cards/cards/qantas-money-credit-cards/money-everyday-credit-card/", "product_url": "https://www.qantasmoney.com/credit-cards/everyday#everyday", "terms_url": "https://www.qantasmoney.com/assets/legals/qmoney/documents/Qantas_Money_Credit_Card_Terms.pdf", "key_facts_sheet_url": "https://www.qantasmoney.com/assets/legals/qmoney/documents/Key_Facts_Sheet.pdf", "source_snapshot": "/au/finance/credit-cards/v1/source/qantas-money-credit-cards/3c2e5891-989b-4722-bc22-c30cb30137b6.json", "card_type": "credit", "scheme": "mastercard", "segments": [ "personal" ], "kind": "low_rate", "purchase_rate_pct": 20.99, "purchase_rate_range_pct": null, "no_interest_card": null, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 44, "annual_fee": 99.0, "fee_period": "annual", "fee_as_stated": 99.0, "annual_fee_stated": true, "annual_fee_note": null, "first_year_fee_waived": false, "min_credit_limit": 4000.0, "max_credit_limit": 30000.0, "rewards_program": "Qantas Frequent Flyer", "conditions": [ "corrected from the bank's own page: 20.99% on purchases, a $99 annual fee and up to 44 days interest-free; 0% on balance transfers for 24 months with a 3% fee (offer commenced 2 November 2026), which the feed omits", "credit limit $4,000 to $30,000", "minimum income $35,000 a year", "Must have Australian mobile", "Must have Australian residential address", "You must be a Qantas Frequent Flyer member." ], "restrictions": [], "source_kind": "feed", "record_stale": false, "bank_last_updated": "2026-11-02T00:12:00Z", "from_issuer_page": [ { "source": "correction", "fields": [ "bt_promo_rate_pct", "bt_promo_months", "bt_fee_pct", "bt_revert_rate_pct" ], "confirmed": "2026-11-12", "url": "https://www.qantasmoney.com/credit-cards/everyday#:~:text=0%25%20p.a.%20for%2024%20months%2C,Advance%20rate%20after%2024%20months.", "quote": "0% p.a. for 24 months, with a 3% Balance Transfer fee. Reverts to Cash Advance rate after 24 months." } ], "balance_transfer": { "promo_rate_pct": 0.0, "promo_months": 24, "fee_pct": 3.0, "revert_rate_pct": 21.99, "revert_to": "cash_advance" } }, { "rank": 79, "brand": "Bank Australia", "brand_label": "Bank Australia", "brand_slug": "bank-australia", "product_id": "f23e4849-212b-4a22-beb1-a088654d73e5", "product_name": "Platinum Visa Credit Card", "product_label": "Platinum Visa Credit Card", "page": "/au/finance/credit-cards/cards/bank-australia/platinum-visa-credit-card/", "product_url": "https://www.bankaust.com.au/banking/credit-cards/platinum-rewards-credit-card", "terms_url": "https://www.bankaust.com.au/support/disclosures", "key_facts_sheet_url": "https://cdn.bfldr.com/1R31Y8GR/as/9qkmbrnz2ccnwfjwnzhbt9v/Credit_card_key_facts_sheet", "source_snapshot": "/au/finance/credit-cards/v1/source/bank-australia/f23e4849-212b-4a22-beb1-a088654d73e5.json", "card_type": "credit", "scheme": "visa", "segments": [ "personal" ], "kind": "low_rate", "purchase_rate_pct": 20.99, "purchase_rate_range_pct": null, "no_interest_card": null, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 55, "annual_fee": 189.0, "fee_period": "annual", "fee_as_stated": 189.0, "annual_fee_stated": true, "annual_fee_note": null, "first_year_fee_waived": false, "min_credit_limit": 1000.0, "max_credit_limit": null, "rewards_program": "Qantas Frequent Flyer", "conditions": [ "Each application for credit is subject to our normal lending criteria and approval.", "0.75 Qantas Points per $1 up to $3,000 a calendar month, 0.35 above", "capped at 5,000 Qantas Points a calendar month (bonus points excluded)", "annual fee waiver with an Offset or Clean Energy Home Loan applies to one card account for the life of the loan", "aged 18+, living in Australia permanently or temporarily, with a regular source of income" ], "restrictions": [], "source_kind": "feed", "record_stale": false, "bank_last_updated": "2026-10-31T21:00:24.184Z", "from_issuer_page": null, "balance_transfer": null }, { "rank": 80, "brand": "CommBank", "brand_label": "CommBank", "brand_slug": "commbank", "product_id": "ff7e709bc7f8414da253f9c10308fe24", "product_name": "Smart credit card", "product_label": "Smart Credit Card", "page": "/au/finance/credit-cards/cards/commbank/smart-credit-card/", "product_url": "https://www.commbank.com.au/credit-cards/smart-awards.html", "terms_url": "https://www.commbank.com.au/content/dam/commbank/personal/apply-online/download-printed-forms/cc2-cou.pdf", "key_facts_sheet_url": "https://www.commbank.com.au/content/dam/commbank/personal/apply-online/download-printed-forms/cc-keyfacts.pdf", "source_snapshot": "/au/finance/credit-cards/v1/source/commbank/ff7e709bc7f8414da253f9c10308fe24.json", "card_type": "credit", "scheme": "mastercard", "segments": [ "personal" ], "kind": "low_rate", "purchase_rate_pct": 20.99, "purchase_rate_range_pct": null, "no_interest_card": null, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 44, "annual_fee": 228.0, "fee_period": "monthly", "fee_as_stated": 19.0, "annual_fee_stated": true, "annual_fee_note": null, "first_year_fee_waived": false, "min_credit_limit": 2000.0, "max_credit_limit": null, "rewards_program": "CommBank Yello Program", "conditions": [ "Each application for credit is assessed on the ability of the applicant to service debt (limit) based on the financials supplied in the application.", "Applications for credit cards are subject to credit approval.", "from 1 February 2027 the purchase rate rises to 23.49% and the cash advance rate to 23.99%", "from 1 February 2027 the cash advance fee becomes $4 or 3.5% (whichever is greater) with no $300 cap", "bonus points not for anyone holding, or who held in the last 24 months, an Awards, Smart or Ultimate card, nor for switches" ], "restrictions": [], "source_kind": "feed", "record_stale": false, "bank_last_updated": "2026-11-12T02:15:46.000Z", "from_issuer_page": null, "balance_transfer": null }, { "rank": 81, "brand": "Qantas Money Credit Cards", "brand_label": "Qantas Money Credit Cards", "brand_slug": "qantas-money-credit-cards", "product_id": "9da83225-c177-4d60-9475-fb0d2c7a74b4", "product_name": "Qantas Money Platinum Credit Card", "product_label": "Money Platinum Credit Card", "page": "/au/finance/credit-cards/cards/qantas-money-credit-cards/money-platinum-credit-card/", "product_url": "https://www.qantasmoney.com/credit-cards/platinum", "terms_url": "https://www.qantasmoney.com/assets/legals/qmoney/documents/Qantas_Money_Credit_Card_Terms.pdf", "key_facts_sheet_url": "https://www.qantasmoney.com/assets/legals/qmoney/documents/Key_Facts_Sheet.pdf", "source_snapshot": "/au/finance/credit-cards/v1/source/qantas-money-credit-cards/9da83225-c177-4d60-9475-fb0d2c7a74b4.json", "card_type": "credit", "scheme": "mastercard", "segments": [ "personal" ], "kind": "low_rate", "purchase_rate_pct": 20.99, "purchase_rate_range_pct": null, "no_interest_card": null, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 44, "annual_fee": 399.0, "fee_period": "annual", "fee_as_stated": 399.0, "annual_fee_stated": true, "annual_fee_note": null, "first_year_fee_waived": false, "min_credit_limit": 6000.0, "max_credit_limit": 100000.0, "rewards_program": "Qantas Frequent Flyer", "conditions": [ "corrected from the bank's own page: 20.99% on purchases, a $399 annual fee ($349 in the first year) and up to 44 days interest-free, as the feed says; 0% on balance transfers for 24 months with a 3% fee for new cardholders, which the feed omits", "credit limit $6,000 to $100,000", "minimum income $35,000 a year", "Must have Australian mobile", "Must have Australian residential address", "You must be a Qantas Frequent Flyer member." ], "restrictions": [], "source_kind": "feed", "record_stale": false, "bank_last_updated": "2026-11-02T00:12:00Z", "from_issuer_page": [ { "source": "correction", "fields": [ "bt_promo_rate_pct", "bt_promo_months", "bt_fee_pct", "bt_revert_rate_pct" ], "confirmed": "2026-11-12", "url": "https://www.qantasmoney.com/credit-cards/platinum#:~:text=0%25%20p.a.%20for%2024%20months,Advance%20rate%20after%2024%20months.", "quote": "0% p.a. for 24 months on Balance Transfers. A 3% Balance Transfer fee applies. Reverts to Cash Advance rate after 24 months." } ], "balance_transfer": { "promo_rate_pct": 0.0, "promo_months": 24, "fee_pct": 3.0, "revert_rate_pct": 21.99, "revert_to": "cash_advance" } }, { "rank": 82, "brand": "CommBank", "brand_label": "CommBank", "brand_slug": "commbank", "product_id": "eecdf5a04ec94565974b3a8aa3263257", "product_name": "Ultimate credit card", "product_label": "Ultimate Credit Card", "page": "/au/finance/credit-cards/cards/commbank/ultimate-credit-card/", "product_url": "https://www.commbank.com.au/credit-cards/ultimate.html", "terms_url": "https://www.commbank.com.au/content/dam/commbank/personal/apply-online/download-printed-forms/cc2-cou.pdf", "key_facts_sheet_url": "https://www.commbank.com.au/content/dam/commbank/personal/apply-online/download-printed-forms/cc-keyfacts.pdf", "source_snapshot": "/au/finance/credit-cards/v1/source/commbank/eecdf5a04ec94565974b3a8aa3263257.json", "card_type": "credit", "scheme": "mastercard", "segments": [ "personal" ], "kind": "low_rate", "purchase_rate_pct": 20.99, "purchase_rate_range_pct": null, "no_interest_card": null, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 44, "annual_fee": 420.0, "fee_period": "monthly", "fee_as_stated": 35.0, "annual_fee_stated": true, "annual_fee_note": null, "first_year_fee_waived": false, "min_credit_limit": 6000.0, "max_credit_limit": null, "rewards_program": "CommBank Yello Program", "conditions": [ "credit limit from $6,000", "rewards programme fee $149 a year on top of the card fee", "Applications for credit cards are subject to credit approval.", "Each application for credit is assessed on the ability of the applicant to service debt (limit) based on the financials supplied in the application.", "from 1 February 2027 the purchase rate rises to 23.49% and the cash advance rate to 23.99%", "from 1 February 2027 the cash advance fee becomes $4 or 3.5% (whichever is greater) with no $300 cap" ], "restrictions": [], "source_kind": "feed", "record_stale": false, "bank_last_updated": "2026-11-12T02:15:46.000Z", "from_issuer_page": null, "balance_transfer": null }, { "rank": 83, "brand": "Qantas Money Credit Cards", "brand_label": "Qantas Money Credit Cards", "brand_slug": "qantas-money-credit-cards", "product_id": "9db7d421-cc03-4dca-af57-05cbe5f183e2", "product_name": "Qantas Money Titanium Credit Card", "product_label": "Money Titanium Credit Card", "page": "/au/finance/credit-cards/cards/qantas-money-credit-cards/money-titanium-credit-card/", "product_url": "https://www.qantasmoney.com/credit-cards/titanium", "terms_url": "https://www.qantasmoney.com/assets/legals/qmoney/documents/Qantas_Money_Credit_Card_Terms.pdf", "key_facts_sheet_url": "https://www.qantasmoney.com/assets/legals/qmoney/documents/Key_Facts_Sheet.pdf", "source_snapshot": "/au/finance/credit-cards/v1/source/qantas-money-credit-cards/9db7d421-cc03-4dca-af57-05cbe5f183e2.json", "card_type": "credit", "scheme": "mastercard", "segments": [ "personal" ], "kind": "low_rate", "purchase_rate_pct": 20.99, "purchase_rate_range_pct": null, "no_interest_card": null, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 44, "annual_fee": 1200.0, "fee_period": "annual", "fee_as_stated": 1200.0, "annual_fee_stated": true, "annual_fee_note": null, "first_year_fee_waived": false, "min_credit_limit": 15000.0, "max_credit_limit": 100000.0, "rewards_program": "Qantas Frequent Flyer", "conditions": [ "corrected from the bank's own page: 20.99% on purchases, a $1,200 annual fee and up to 44 days interest-free, as the feed says; 0% on balance transfers for 6 months for new cardholders, reverting to the cash advance rate, which the feed omits (the page states no transfer fee either way)", "credit limit $15,000 to $100,000", "minimum income $200,000 a year", "You must be a Qantas Frequent Flyer member.", "Austrlaian residential address", "Austrlaian mobile" ], "restrictions": [], "source_kind": "feed", "record_stale": false, "bank_last_updated": "2026-11-02T00:12:00Z", "from_issuer_page": [ { "source": "correction", "fields": [ "bt_promo_rate_pct", "bt_promo_months", "bt_revert_rate_pct" ], "confirmed": "2026-11-12", "url": "https://www.qantasmoney.com/credit-cards/titanium#:~:text=0%25%20p.a.%20for%206%20months.,Advance%20rate%20after%206%20months.", "quote": "0% p.a. for 6 months. Reverts to Cash Advance rate after 6 months." } ], "balance_transfer": { "promo_rate_pct": 0.0, "promo_months": 6, "fee_pct": null, "revert_rate_pct": 21.99, "revert_to": "cash_advance" } }, { "rank": 84, "brand": "Revolut", "brand_label": "Revolut", "brand_slug": "revolut", "product_id": "550e8400-e29b-41d4-a716-446655440005", "product_name": "Revolut Credit Card", "product_label": "Credit Card", "page": "/au/finance/credit-cards/cards/revolut/credit-card/", "product_url": "https://www.revolut.com/en-AU/credit-card/", "terms_url": "https://www.revolut.com/en-AU/legal/cctermsandconditions/", "key_facts_sheet_url": null, "source_snapshot": "/au/finance/credit-cards/v1/source/revolut/550e8400-e29b-41d4-a716-446655440005.json", "card_type": "credit", "scheme": "visa", "segments": [ "personal" ], "kind": "low_rate", "purchase_rate_pct": 20.99, "purchase_rate_range_pct": null, "no_interest_card": null, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 44, "annual_fee": null, "fee_period": null, "fee_as_stated": null, "annual_fee_stated": false, "annual_fee_note": "the feed lists no annual or monthly card fee, so none is claimed", "first_year_fee_waived": false, "min_credit_limit": 1000.0, "max_credit_limit": 35000.0, "rewards_program": "RevPoints", "conditions": [ "credit limit $1,000 to $35,000", "minimum income $2,000 a year" ], "restrictions": [], "source_kind": "feed", "record_stale": false, "bank_last_updated": "2026-07-08T14:04:01.589894Z", "from_issuer_page": null, "balance_transfer": null }, { "rank": 85, "brand": "Coles Credit Cards", "brand_label": "Coles Credit Cards", "brand_slug": "coles-credit-cards", "product_id": "d2f29089-d0ee-44bc-bd6f-05f6419841b7", "product_name": "Coles No Annual Fee Mastercard", "product_label": "No Annual Fee Mastercard", "page": "/au/finance/credit-cards/cards/coles-credit-cards/no-annual-fee-mastercard/", "product_url": "https://www.coles.com.au/credit-cards/no-annual-fee", "terms_url": "https://www.coles.com.au/content/dam/coles/coles-financial-services/credit-cards/documents-and-forms/pdfs/coles-mastercard-terms-and-conditions-info.pdf", "key_facts_sheet_url": "https://www.coles.com.au/content/dam/coles/coles-financial-services/credit-cards/documents-and-forms/pdfs/coles-credit-cards-key-facts-sheet.pdf", "source_snapshot": "/au/finance/credit-cards/v1/source/coles-credit-cards/d2f29089-d0ee-44bc-bd6f-05f6419841b7.json", "card_type": "credit", "scheme": "mastercard", "segments": [ "personal" ], "kind": "low_rate", "purchase_rate_pct": 21.99, "purchase_rate_range_pct": null, "no_interest_card": null, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 44, "annual_fee": 0.0, "fee_period": "annual", "fee_as_stated": 0.0, "annual_fee_stated": true, "annual_fee_note": null, "first_year_fee_waived": false, "min_credit_limit": 1000.0, "max_credit_limit": 60000.0, "rewards_program": "Flybuys", "conditions": [ "corrected from the bank's own page: the issuer's page offers 0% on balance transfers for 12 months with a 5% fee, reverting to the cash advance rate, for new cards applied for by 1 March 2027; its feed carries no offer", "credit limit $1,000 to $60,000", "must be an Australian resident for tax purposes with a regular income", "cash advance fee $1.95 minimum (or 3%) in Australia, $5 overseas; over-the-counter $2.25; paper statements $2", "balance transfer offer for applications by 1 March 2027", "Flybuys points on the first $5,000 of eligible purchases each statement period" ], "restrictions": [], "source_kind": "feed", "record_stale": false, "bank_last_updated": "2026-11-02T00:12:00Z", "from_issuer_page": [ { "source": "correction", "fields": [ "bt_promo_rate_pct", "bt_promo_months", "bt_fee_pct", "bt_revert_rate_pct" ], "confirmed": "2026-11-12", "url": "https://www.coles.com.au/credit-cards/no-annual-fee#:~:text=0%25%20p.a.%20on%20Balance%20Transfers%20for%2012%20months", "quote": "0% p.a. on Balance Transfers for 12 months" } ], "balance_transfer": { "promo_rate_pct": 0.0, "promo_months": 12, "fee_pct": 5.0, "revert_rate_pct": 21.99, "revert_to": "cash_advance" } }, { "rank": 86, "brand": "Kogan Money Credit Cards", "brand_label": "Kogan Money Credit Cards", "brand_slug": "kogan-money-credit-cards", "product_id": "229ba4a9-71f0-4339-b447-e00a6b524b90", "product_name": "Kogan Money Black Credit Card", "product_label": "Money Black Credit Card", "page": "/au/finance/credit-cards/cards/kogan-money-credit-cards/money-black-credit-card/", "product_url": "https://www.koganmoney.com.au/credit-cards/kogan-money-black-card/", "terms_url": "https://www.koganmoney.com.au/credit-cards/important-information/", "key_facts_sheet_url": "https://koganmoney.com.au/wp-content/uploads/2025/03/KGN16938_0325-Kogan-Key-Facts-Sheet-v3-proof-2.pdf", "source_snapshot": "/au/finance/credit-cards/v1/source/kogan-money-credit-cards/229ba4a9-71f0-4339-b447-e00a6b524b90.json", "card_type": "credit", "scheme": "visa", "segments": [ "personal" ], "kind": "low_rate", "purchase_rate_pct": 21.99, "purchase_rate_range_pct": null, "no_interest_card": null, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 44, "annual_fee": 0.0, "fee_period": "annual", "fee_as_stated": 0.0, "annual_fee_stated": true, "annual_fee_note": null, "first_year_fee_waived": false, "min_credit_limit": 6000.0, "max_credit_limit": 30000.0, "rewards_program": "Kogan Money Credit Cards Rewards", "conditions": [ "corrected from the bank's own page: the issuer's page offers 0% on balance transfers for 6 months with no transfer fee, reverting to the cash advance rate; its feed carries no offer", "credit limit $6,000 to $30,000", "minimum income $35,000 a year", "Have an Australian mobile number", "Have a valid email address", "balance transfer offer for new cardholders only" ], "restrictions": [], "source_kind": "feed", "record_stale": false, "bank_last_updated": "2026-11-02T00:12:00Z", "from_issuer_page": [ { "source": "correction", "fields": [ "bt_promo_rate_pct", "bt_promo_months", "bt_fee_pct", "bt_revert_rate_pct" ], "confirmed": "2026-11-12", "url": "https://www.koganmoney.com.au/credit-cards/kogan-money-black-card/#:~:text=0%25%20p.a.%20on%20Balance%20Transfers%20for%206%20Months", "quote": "0% p.a. on Balance Transfers for 6 Months" } ], "balance_transfer": { "promo_rate_pct": 0.0, "promo_months": 6, "fee_pct": 0.0, "revert_rate_pct": 22.74, "revert_to": "cash_advance" } }, { "rank": 87, "brand": "Bank of Queensland Limited", "brand_label": "BOQ", "brand_slug": "bank-of-queensland-limited", "product_id": "a0f3781e-102c-ee11-9966-002248e1d7d5", "product_name": "BOQ Blue Visa Credit Card", "product_label": "Blue Visa Credit Card", "page": "/au/finance/credit-cards/cards/bank-of-queensland-limited/blue-visa-credit-card/", "product_url": "https://www.boq.com.au/personal/credit-cards/blue-visa-credit-card", "terms_url": "https://www.boq.com.au/personal/help-and-support/forms-and-important-information/terms-and-conditions/", "key_facts_sheet_url": null, "source_snapshot": "/au/finance/credit-cards/v1/source/bank-of-queensland-limited/a0f3781e-102c-ee11-9966-002248e1d7d5.json", "card_type": "credit", "scheme": "visa", "segments": [ "personal" ], "kind": "low_rate", "purchase_rate_pct": 21.99, "purchase_rate_range_pct": null, "no_interest_card": null, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 44, "annual_fee": 89.0, "fee_period": "annual", "fee_as_stated": 89.0, "annual_fee_stated": true, "annual_fee_note": null, "first_year_fee_waived": false, "min_credit_limit": 2000.0, "max_credit_limit": 50000.0, "rewards_program": "Q Rewards", "conditions": [ "0.00% on balance transfers for 6 months, 1% transfer fee, then 21.99% (the cash advance rate)", "credit limit $2,000 to $50,000", "minimum income $25,000 a year", "Have a good credit rating", "cash advance outside Australia 1.5% (min $4, max $30) on top of the international fee", "$2 a month paper statement fee" ], "restrictions": [], "source_kind": "feed", "record_stale": false, "bank_last_updated": "2026-10-05T00:05:19Z", "from_issuer_page": null, "balance_transfer": { "promo_rate_pct": 0.0, "promo_months": 6, "fee_pct": 1.0, "revert_rate_pct": 21.99, "revert_to": "cash_advance" } }, { "rank": 88, "brand": "Coles Credit Cards", "brand_label": "Coles Credit Cards", "brand_slug": "coles-credit-cards", "product_id": "52d7855f-39b1-4dd4-af37-e1d3d2da67e4", "product_name": "Coles Rewards Mastercard", "product_label": "Rewards Mastercard", "page": "/au/finance/credit-cards/cards/coles-credit-cards/rewards-mastercard/", "product_url": "https://www.coles.com.au/credit-cards/rewards", "terms_url": "https://www.coles.com.au/content/dam/coles/coles-financial-services/credit-cards/documents-and-forms/pdfs/coles-mastercard-terms-and-conditions-info.pdf", "key_facts_sheet_url": "https://www.coles.com.au/content/dam/coles/coles-financial-services/credit-cards/documents-and-forms/pdfs/coles-credit-cards-key-facts-sheet.pdf", "source_snapshot": "/au/finance/credit-cards/v1/source/coles-credit-cards/52d7855f-39b1-4dd4-af37-e1d3d2da67e4.json", "card_type": "credit", "scheme": "mastercard", "segments": [ "personal" ], "kind": "low_rate", "purchase_rate_pct": 21.99, "purchase_rate_range_pct": null, "no_interest_card": null, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 44, "annual_fee": 99.0, "fee_period": "annual", "fee_as_stated": 99.0, "annual_fee_stated": true, "annual_fee_note": null, "first_year_fee_waived": false, "min_credit_limit": 1000.0, "max_credit_limit": 60000.0, "rewards_program": "Flybuys", "conditions": [ "corrected from the bank's own page: the issuer's page offers 0% on balance transfers for 12 months with a 5% fee, reverting to the cash advance rate, for new cards applied for by 1 March 2027; its feed carries no offer", "credit limit $1,000 to $60,000", "must be an Australian resident for tax purposes with a regular income", "cash advance fee $1.95 minimum (or 3%) in Australia, $5 overseas; over-the-counter $2.25; paper statements $2", "Flybuys points on the first $8,000 of eligible purchases each statement period", "40,000 bonus Flybuys points for a new card with $3,000 spent in 90 days" ], "restrictions": [], "source_kind": "feed", "record_stale": false, "bank_last_updated": "2026-11-02T00:12:00Z", "from_issuer_page": [ { "source": "correction", "fields": [ "bt_promo_rate_pct", "bt_promo_months", "bt_fee_pct", "bt_revert_rate_pct" ], "confirmed": "2026-11-12", "url": "https://www.coles.com.au/credit-cards/rewards#:~:text=0%25%20p.a.%20for%2012%20months,5%25%20Balance%20Transfer%20fee%20applies.", "quote": "0% p.a. for 12 months on Balance Transfers. 5% Balance Transfer fee applies." } ], "balance_transfer": { "promo_rate_pct": 0.0, "promo_months": 12, "fee_pct": 5.0, "revert_rate_pct": 21.99, "revert_to": "cash_advance" } }, { "rank": 89, "brand": "Bank of Queensland Limited", "brand_label": "BOQ", "brand_slug": "bank-of-queensland-limited", "product_id": "78126e21-102c-ee11-9966-002248e1dc43", "product_name": "BOQ Platinum Visa Credit Card", "product_label": "Platinum Visa Credit Card", "page": "/au/finance/credit-cards/cards/bank-of-queensland-limited/platinum-visa-credit-card/", "product_url": "https://www.boq.com.au/personal/credit-cards/platinum-rewards-credit-card", "terms_url": "https://www.boq.com.au/personal/help-and-support/forms-and-important-information/terms-and-conditions/", "key_facts_sheet_url": null, "source_snapshot": "/au/finance/credit-cards/v1/source/bank-of-queensland-limited/78126e21-102c-ee11-9966-002248e1dc43.json", "card_type": "credit", "scheme": "visa", "segments": [ "personal" ], "kind": "low_rate", "purchase_rate_pct": 21.99, "purchase_rate_range_pct": null, "no_interest_card": null, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 44, "annual_fee": 149.0, "fee_period": "annual", "fee_as_stated": 149.0, "annual_fee_stated": true, "annual_fee_note": null, "first_year_fee_waived": false, "min_credit_limit": 6000.0, "max_credit_limit": 100000.0, "rewards_program": "Q Rewards", "conditions": [ "0.00% on balance transfers for 12 months, 3% transfer fee, then 21.99% (the cash advance rate)", "credit limit $6,000 to $100,000", "minimum income $35,000 a year", "Have a good credit rating", "cash advance outside Australia 1.5% (min $4, max $30) on top of the international fee", "$2 a month paper statement fee" ], "restrictions": [], "source_kind": "feed", "record_stale": false, "bank_last_updated": "2026-10-21T04:44:46Z", "from_issuer_page": null, "balance_transfer": { "promo_rate_pct": 0.0, "promo_months": 12, "fee_pct": 3.0, "revert_rate_pct": 21.99, "revert_to": "cash_advance" } }, { "rank": 90, "brand": "Virgin Money", "brand_label": "Virgin Money", "brand_slug": "virgin-money", "product_id": "085dd673-e910-ef11-9f89-002248921877", "product_name": "Virgin Money Anytime Rewards Credit Card", "product_label": "Anytime Rewards Credit Card", "page": "/au/finance/credit-cards/cards/virgin-money/anytime-rewards-credit-card/", "product_url": "https://www.virginmoney.com.au/credit-cards/anytime-rewards-credit-card", "terms_url": "https://www.virginmoney.com.au/content/dam/virginmoney/vma-downloads/credit-cards/credit-card-terms-and-conditions.pdf", "key_facts_sheet_url": null, "source_snapshot": "/au/finance/credit-cards/v1/source/virgin-money/085dd673-e910-ef11-9f89-002248921877.json", "card_type": "credit", "scheme": "visa", "segments": [ "personal" ], "kind": "low_rate", "purchase_rate_pct": 21.99, "purchase_rate_range_pct": null, "no_interest_card": null, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 44, "annual_fee": 169.0, "fee_period": "annual", "fee_as_stated": 169.0, "annual_fee_stated": true, "annual_fee_note": null, "first_year_fee_waived": false, "min_credit_limit": 6000.0, "max_credit_limit": null, "rewards_program": "Virgin Money Rewards", "conditions": [ "0.00% on balance transfers for 24 months, 3% transfer fee, then 21.99% (the cash advance rate)", "credit limit from $6,000", "minimum income $35,000 a year", "balance transfers limited to 80% of the credit limit and must be requested when applying; no points on transferred balances", "bonus points offer not for existing Virgin Money credit card holders, including upgrades" ], "restrictions": [], "source_kind": "feed", "record_stale": false, "bank_last_updated": "2026-09-30T05:31:22Z", "from_issuer_page": null, "balance_transfer": { "promo_rate_pct": 0.0, "promo_months": 24, "fee_pct": 3.0, "revert_rate_pct": 21.99, "revert_to": "cash_advance" } }, { "rank": 91, "brand": "Virgin Money", "brand_label": "Virgin Money", "brand_slug": "virgin-money", "product_id": "76126e21-102c-ee11-9966-002248e1dc43", "product_name": "Virgin Australia Velocity Flyer Credit Card", "product_label": "Australia Velocity Flyer Credit Card", "page": "/au/finance/credit-cards/cards/virgin-money/australia-velocity-flyer-credit-card/", "product_url": "https://www.virginmoney.com.au/credit-cards/flyer-credit-card", "terms_url": "https://www.virginmoney.com.au/content/dam/virginmoney/vma-downloads/credit-cards/credit-card-terms-and-conditions.pdf", "key_facts_sheet_url": null, "source_snapshot": "/au/finance/credit-cards/v1/source/virgin-money/76126e21-102c-ee11-9966-002248e1dc43.json", "card_type": "credit", "scheme": "visa", "segments": [ "personal" ], "kind": "low_rate", "purchase_rate_pct": 21.99, "purchase_rate_range_pct": null, "no_interest_card": null, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 44, "annual_fee": 169.0, "fee_period": "annual", "fee_as_stated": 169.0, "annual_fee_stated": true, "annual_fee_note": null, "first_year_fee_waived": true, "min_credit_limit": 6000.0, "max_credit_limit": null, "rewards_program": "Velocity Points Earn", "conditions": [ "0.00% on balance transfers for 24 months, 3% transfer fee, then 21.99% (the cash advance rate)", "no card fee in the first year, as the feed's discount states", "credit limit from $6,000", "minimum income $35,000 a year", "balance transfers limited to 80% of the credit limit and must be requested when applying; no points on transferred balances", "bonus points offer not for existing Virgin Money credit card holders, including upgrades" ], "restrictions": [], "source_kind": "feed", "record_stale": false, "bank_last_updated": "2026-10-21T04:44:27Z", "from_issuer_page": null, "balance_transfer": { "promo_rate_pct": 0.0, "promo_months": 24, "fee_pct": 3.0, "revert_rate_pct": 21.99, "revert_to": "cash_advance" } }, { "rank": 92, "brand": "Virgin Money", "brand_label": "Virgin Money", "brand_slug": "virgin-money", "product_id": "9bf3781e-102c-ee11-9966-002248e1d7d5", "product_name": "Virgin Australia Velocity High Flyer Credit Card", "product_label": "Australia Velocity High Flyer Credit Card", "page": "/au/finance/credit-cards/cards/virgin-money/australia-velocity-high-flyer-credit-card/", "product_url": "https://www.virginmoney.com.au/credit-cards/high-flyer-credit-card", "terms_url": "https://www.virginmoney.com.au/content/dam/virginmoney/vma-downloads/credit-cards/credit-card-terms-and-conditions.pdf", "key_facts_sheet_url": null, "source_snapshot": "/au/finance/credit-cards/v1/source/virgin-money/9bf3781e-102c-ee11-9966-002248e1d7d5.json", "card_type": "credit", "scheme": "visa", "segments": [ "personal" ], "kind": "low_rate", "purchase_rate_pct": 21.99, "purchase_rate_range_pct": null, "no_interest_card": null, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 44, "annual_fee": 349.0, "fee_period": "annual", "fee_as_stated": 349.0, "annual_fee_stated": true, "annual_fee_note": null, "first_year_fee_waived": false, "min_credit_limit": 15000.0, "max_credit_limit": null, "rewards_program": "Velocity Points Earn", "conditions": [ "0.00% on balance transfers for 24 months, 3% transfer fee, then 21.99% (the cash advance rate); new cards", "credit limit from $15,000", "minimum income $75,000 a year", "balance transfers limited to 80% of the credit limit and must be requested when applying; no points on transferred balances", "bonus points offer not for existing Virgin Money credit card holders, including upgrades" ], "restrictions": [], "source_kind": "feed", "record_stale": false, "bank_last_updated": "2026-09-30T03:46:28Z", "from_issuer_page": null, "balance_transfer": { "promo_rate_pct": 0.0, "promo_months": 24, "fee_pct": 3.0, "revert_rate_pct": 21.99, "revert_to": "cash_advance" } }, { "rank": 93, "brand": "ANZ", "brand_label": "ANZ", "brand_slug": "anz", "product_id": "1f9a67ea-8fda-cab0-e9d3-7ab9d0627545", "product_name": "ANZ First", "product_label": "First", "page": "/au/finance/credit-cards/cards/anz/first/", "product_url": "https://www.anz.com.au/personal/credit-cards/low-annual-fee/first?CID=af:obank:tv", "terms_url": "http://www.anz.com/auxiliary/rates-fees-terms/fees-terms-conditions/?CID=af:obank:tv", "key_facts_sheet_url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-credit-cards-key-facts-sheet.pdf", "source_snapshot": "/au/finance/credit-cards/v1/source/anz/1f9a67ea-8fda-cab0-e9d3-7ab9d0627545.json", "card_type": "credit", "scheme": "visa", "segments": [ "personal" ], "kind": "low_rate", "purchase_rate_pct": 22.49, "purchase_rate_range_pct": null, "no_interest_card": null, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 55, "annual_fee": 30.0, "fee_period": "annual", "fee_as_stated": 30.0, "annual_fee_stated": true, "annual_fee_note": null, "first_year_fee_waived": false, "min_credit_limit": 1000.0, "max_credit_limit": null, "rewards_program": null, "conditions": [ "0.00% on balance transfers for 18 months, 3% transfer fee, then 23.49% (the balance transfer rate)", "the best offer is for existing customers", "3.5% overseas transaction fee", "cash advance fee 3.5%, minimum $4, maximum $50", "Australian or New Zealand citizen, permanent resident, or more than 12 months left on a visa" ], "restrictions": [ "existing_customers" ], "source_kind": "feed", "record_stale": false, "bank_last_updated": "2026-10-27T22:00:00.000Z", "from_issuer_page": null, "balance_transfer": { "promo_rate_pct": 0.0, "promo_months": 18, "fee_pct": 3.0, "revert_rate_pct": 23.49, "revert_to": "balance_transfer" } }, { "rank": 94, "brand": "MyCard", "brand_label": "MyCard", "brand_slug": "mycard", "product_id": "7916a828-1572-43bb-9a1f-c0af9b082f17", "product_name": "MyCard Simplicity", "product_label": "Simplicity", "page": "/au/finance/credit-cards/cards/mycard/simplicity/", "product_url": "https://mycard.com.au/credit-cards/simplicity-card", "terms_url": "https://mycard.com.au/help-and-support/important-information/terms-and-conditions", "key_facts_sheet_url": null, "source_snapshot": "/au/finance/credit-cards/v1/source/mycard/7916a828-1572-43bb-9a1f-c0af9b082f17.json", "card_type": "credit", "scheme": "mastercard", "segments": [ "personal" ], "kind": "low_rate", "purchase_rate_pct": 22.49, "purchase_rate_range_pct": null, "no_interest_card": null, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 44, "annual_fee": 49.0, "fee_period": "annual", "fee_as_stated": 49.0, "annual_fee_stated": true, "annual_fee_note": null, "first_year_fee_waived": false, "min_credit_limit": 2000.0, "max_credit_limit": 100000.0, "rewards_program": null, "conditions": [ "credit limit $2,000 to $100,000", "cash advance fee 3.5%, minimum $3.50, in Australia and overseas", "offers not available when closing or transferring from another MyCard card", "$30 late payment fee", "0% on purchases and balance transfers for 6 months from approval, then 22.49% on purchases" ], "restrictions": [], "source_kind": "feed", "record_stale": false, "bank_last_updated": "2026-11-02T00:00:00Z", "from_issuer_page": null, "balance_transfer": null }, { "rank": 95, "brand": "NATIONAL AUSTRALIA BANK", "brand_label": "NAB", "brand_slug": "national-australia-bank", "product_id": "fbce13b1-77db-4226-9f55-9028ee31884f", "product_name": "NAB Low Fee Card", "product_label": "Low Fee Card", "page": "/au/finance/credit-cards/cards/national-australia-bank/low-fee-card/", "product_url": "https://www.nab.com.au/personal/credit-cards/low-fee", "terms_url": "https://www.nab.com.au/personal/credit-cards/terms-conditions/digital", "key_facts_sheet_url": "https://www.nab.com.au/content/dam/nabrwd/documents/guides/banking/key-facts-credit-cards.pdf", "source_snapshot": "/au/finance/credit-cards/v1/source/national-australia-bank/fbce13b1-77db-4226-9f55-9028ee31884f.json", "card_type": "credit", "scheme": "visa", "segments": [ "personal" ], "kind": "low_rate", "purchase_rate_pct": 22.49, "purchase_rate_range_pct": null, "no_interest_card": null, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 44, "annual_fee": 49.0, "fee_period": "annual", "fee_as_stated": 49.0, "annual_fee_stated": true, "annual_fee_note": null, "first_year_fee_waived": false, "min_credit_limit": 1000.0, "max_credit_limit": null, "rewards_program": null, "conditions": [ "corrected from the bank's own page: $250 cashback on a new card with $1,500 spent in 90 days ($350 for existing NAB customers), per the bank's card page; the feed says $200", "0.00% on balance transfers for 12 months, 3% transfer fee", "Lending criteria apply", "late payment fee $20 a month when $50 or more is overdue", "cash advance fee 3.5%, minimum $3.50", "Australian residents for tax purposes with a regular income; visitor, working holiday, student, bridging and short-stay visas not accepted" ], "restrictions": [], "source_kind": "feed", "record_stale": false, "bank_last_updated": "2026-10-01T13:59:59Z", "from_issuer_page": [ { "source": "correction", "fields": [ "cashback_offer" ], "confirmed": "2026-11-12", "url": "https://www.nab.com.au/personal/credit-cards/low-fee/nab-low-fee-card#:~:text=%24250%20cashback%20on%20a%20new,90%20days%20from%20account%20opening.", "quote": "$250 cashback on a new NAB Low Fee card when you spend $1,500 on purchases within 90 days from account opening." }, { "source": "watched_term", "fields": [ "first_year_fee_waived" ], "confirmed": "2026-11-12", "url": "https://www.nab.com.au/personal/credit-cards/low-fee/nab-low-fee-card#:~:text=The%20full%20annual%20fee%20of,when%20the%20account%20is%20opened.", "quote": "The full annual fee of $49 will be charged in the 13th month from when the account is opened." } ], "balance_transfer": { "promo_rate_pct": 0.0, "promo_months": 12, "fee_pct": 3.0, "revert_rate_pct": null, "revert_to": null } }, { "rank": 96, "brand": "ANZ", "brand_label": "ANZ", "brand_slug": "anz", "product_id": "4cfce209-2f9c-e506-0dd6-7de6bd04e6d6", "product_name": "ANZ Platinum", "product_label": "Platinum", "page": "/au/finance/credit-cards/cards/anz/platinum/", "product_url": "https://www.anz.com.au/personal/credit-cards/low-annual-fee/platinum?CID=af:obank:cc", "terms_url": "http://www.anz.com/auxiliary/rates-fees-terms/fees-terms-conditions/?CID=af:obank:cc", "key_facts_sheet_url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-credit-cards-key-facts-sheet.pdf", "source_snapshot": "/au/finance/credit-cards/v1/source/anz/4cfce209-2f9c-e506-0dd6-7de6bd04e6d6.json", "card_type": "credit", "scheme": "visa", "segments": [ "personal" ], "kind": "low_rate", "purchase_rate_pct": 22.49, "purchase_rate_range_pct": null, "no_interest_card": null, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 55, "annual_fee": 87.0, "fee_period": "annual", "fee_as_stated": 87.0, "annual_fee_stated": true, "annual_fee_note": null, "first_year_fee_waived": false, "min_credit_limit": 6000.0, "max_credit_limit": null, "rewards_program": null, "conditions": [ "corrected from the bank's own page: $350 back on a new card with $3,500 spent in the first 4 months, per the bank's card page; the feed no longer states a cashback offer (it said $450)", "0.00% on balance transfers for 18 months, 3% transfer fee, then 23.49% (the balance transfer rate)", "credit limit from $6,000", "the best offer is for existing customers", "3.5% overseas transaction fee", "cash advance fee 3.5%, minimum $4, maximum $50" ], "restrictions": [ "existing_customers" ], "source_kind": "feed", "record_stale": false, "bank_last_updated": "2026-11-02T13:00:00.000Z", "from_issuer_page": [ { "source": "correction", "fields": [ "cashback_offer" ], "confirmed": "2026-11-12", "url": "https://www.anz.com.au/personal/credit-cards/low-annual-fee/platinum?CID=af:obank:cc#:~:text=Earn%20%24350%20back%20with%20your,first%204%20months%20from%20approval.", "quote": "Earn $350 back with your new card when you spend $3,500 on eligible purchases in the first 4 months from approval." } ], "balance_transfer": { "promo_rate_pct": 0.0, "promo_months": 18, "fee_pct": 3.0, "revert_rate_pct": 23.49, "revert_to": "balance_transfer" } }, { "rank": 97, "brand": "ANZ", "brand_label": "ANZ", "brand_slug": "anz", "product_id": "f60fb83e-bbfb-abe3-07e2-f70acf7e30ca", "product_name": "ANZ Rewards Platinum", "product_label": "Rewards Platinum", "page": "/au/finance/credit-cards/cards/anz/rewards-platinum/", "product_url": "https://www.anz.com.au/personal/credit-cards/rewards/platinum?CID=af:obank:cc", "terms_url": "http://www.anz.com/auxiliary/rates-fees-terms/fees-terms-conditions/?CID=af:obank:cc", "key_facts_sheet_url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-credit-cards-key-facts-sheet.pdf", "source_snapshot": "/au/finance/credit-cards/v1/source/anz/f60fb83e-bbfb-abe3-07e2-f70acf7e30ca.json", "card_type": "credit", "scheme": "visa", "segments": [ "personal" ], "kind": "low_rate", "purchase_rate_pct": 22.49, "purchase_rate_range_pct": null, "no_interest_card": null, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 44, "annual_fee": 94.0, "fee_period": "annual", "fee_as_stated": 94.0, "annual_fee_stated": true, "annual_fee_note": null, "first_year_fee_waived": false, "min_credit_limit": 6000.0, "max_credit_limit": null, "rewards_program": "ANZ Rewards Points", "conditions": [ "0.00% on balance transfers for 18 months, 3% transfer fee, then 23.49% (the balance transfer rate)", "credit limit from $6,000", "the best offer is for existing customers", "rewards programme fee $55 a year on top of the card fee", "You are not eligible for this offer if you currently hold or have held an ANZ Rewards or ANZ Frequent Flyer credit card in the last 24 months and meet all othe…", "3.5% overseas transaction fee" ], "restrictions": [ "existing_customers" ], "source_kind": "feed", "record_stale": false, "bank_last_updated": "2026-11-02T13:00:00.000Z", "from_issuer_page": null, "balance_transfer": { "promo_rate_pct": 0.0, "promo_months": 18, "fee_pct": 3.0, "revert_rate_pct": 23.49, "revert_to": "balance_transfer" } }, { "rank": 98, "brand": "NATIONAL AUSTRALIA BANK", "brand_label": "NAB", "brand_slug": "national-australia-bank", "product_id": "c43ad795-9db1-4e1f-a7f5-845714ecedfd", "product_name": "NAB Rewards Card", "product_label": "Rewards Card", "page": "/au/finance/credit-cards/cards/national-australia-bank/rewards-card/", "product_url": "https://www.nab.com.au/personal/credit-cards/nab-rewards/nab-rewards-platinum-card", "terms_url": "https://www.nab.com.au/personal/credit-cards/terms-conditions/digital", "key_facts_sheet_url": "https://www.nab.com.au/content/dam/nabrwd/documents/guides/banking/key-facts-credit-cards.pdf", "source_snapshot": "/au/finance/credit-cards/v1/source/national-australia-bank/c43ad795-9db1-4e1f-a7f5-845714ecedfd.json", "card_type": "credit", "scheme": "visa", "segments": [ "personal" ], "kind": "low_rate", "purchase_rate_pct": 22.49, "purchase_rate_range_pct": null, "no_interest_card": null, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 44, "annual_fee": 195.0, "fee_period": "annual", "fee_as_stated": 195.0, "annual_fee_stated": true, "annual_fee_note": null, "first_year_fee_waived": false, "min_credit_limit": 3000, "max_credit_limit": null, "rewards_program": "NAB Rewards", "conditions": [ "corrected from the bank's own page: a $3,000 minimum credit limit, per the bank's Key Facts Sheet (correct as at 01.10.2026), and up to 100,000 bonus points for new customers, per its card page; the feed says $6,000 and 80,000 points", "0.00% on balance transfers for 12 months, 3% transfer fee, then 21.74% (the balance transfer rate)", "credit limit from $6,000", "Lending criteria apply", "late payment fee $20 a month when $50 or more is overdue", "cash advance fee 3.5%, minimum $3.50" ], "restrictions": [], "source_kind": "feed", "record_stale": false, "bank_last_updated": "2026-10-01T13:59:59Z", "from_issuer_page": [ { "source": "correction", "fields": [ "min_credit_limit", "bonus_offer" ], "confirmed": "2026-11-12", "url": "https://www.nab.com.au/content/dam/nabrwd/documents/guides/banking/key-facts-credit-cards.pdf#page=1", "quote": "Minimum Credit Limit $1000 $1000 $3000 $6000 $3000 $6000" } ], "balance_transfer": { "promo_rate_pct": 0.0, "promo_months": 12, "fee_pct": 3.0, "revert_rate_pct": 21.74, "revert_to": "balance_transfer" } }, { "rank": 99, "brand": "ANZ", "brand_label": "ANZ", "brand_slug": "anz", "product_id": "d8101ca7-369f-f465-27f6-50f388c81b3a", "product_name": "ANZ Frequent Flyer Platinum", "product_label": "Frequent Flyer Platinum", "page": "/au/finance/credit-cards/cards/anz/frequent-flyer-platinum/", "product_url": "https://www.anz.com.au/personal/credit-cards/frequent-flyer/platinum/", "terms_url": "http://www.anz.com/auxiliary/rates-fees-terms/fees-terms-conditions/?CID=af:obank:cc", "key_facts_sheet_url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-credit-cards-key-facts-sheet.pdf", "source_snapshot": "/au/finance/credit-cards/v1/source/anz/d8101ca7-369f-f465-27f6-50f388c81b3a.json", "card_type": "credit", "scheme": "visa", "segments": [ "personal" ], "kind": "low_rate", "purchase_rate_pct": 22.49, "purchase_rate_range_pct": null, "no_interest_card": null, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 44, "annual_fee": 240.0, "fee_period": "annual", "fee_as_stated": 240.0, "annual_fee_stated": true, "annual_fee_note": null, "first_year_fee_waived": false, "min_credit_limit": 6000.0, "max_credit_limit": null, "rewards_program": "Qantas Points", "conditions": [ "0.00% on balance transfers for 18 months, 3% transfer fee, then 23.49% (the balance transfer rate)", "credit limit from $6,000", "the best offer is for existing customers", "rewards programme fee $55 a year on top of the card fee", "You are not eligible for this offer if you currently hold or have held an ANZ Frequent Flyer or ANZ Rewards credit card in the last 24 months and meet all othe…", "3.5% overseas transaction fee" ], "restrictions": [ "existing_customers" ], "source_kind": "feed", "record_stale": false, "bank_last_updated": "2026-10-27T22:00:00.000Z", "from_issuer_page": null, "balance_transfer": { "promo_rate_pct": 0.0, "promo_months": 18, "fee_pct": 3.0, "revert_rate_pct": 23.49, "revert_to": "balance_transfer" } }, { "rank": 100, "brand": "MyCard", "brand_label": "MyCard", "brand_slug": "mycard", "product_id": "a919d339-bab4-464d-a7af-51aec0ca6c62", "product_name": "MyCard Rewards", "product_label": "Rewards", "page": "/au/finance/credit-cards/cards/mycard/rewards/", "product_url": "https://mycard.com.au/credit-cards/rewards-card", "terms_url": "https://mycard.com.au/help-and-support/important-information/terms-and-conditions", "key_facts_sheet_url": null, "source_snapshot": "/au/finance/credit-cards/v1/source/mycard/a919d339-bab4-464d-a7af-51aec0ca6c62.json", "card_type": "credit", "scheme": "mastercard", "segments": [ "personal" ], "kind": "low_rate", "purchase_rate_pct": 22.49, "purchase_rate_range_pct": null, "no_interest_card": null, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 44, "annual_fee": 249.0, "fee_period": "annual", "fee_as_stated": 249.0, "annual_fee_stated": true, "annual_fee_note": null, "first_year_fee_waived": false, "min_credit_limit": 2000.0, "max_credit_limit": 100000.0, "rewards_program": "MyCard Rewards Program", "conditions": [ "credit limit $2,000 to $100,000", "cash advance fee 3.5%, minimum $3.50, in Australia and overseas", "offers not available when closing or transferring from another MyCard card", "$2 a month paper statement fee", "100,000 bonus points for $5,000 spend in 90 days (with 0% balance transfers for 12 months, 3% fee)", "alternative offer: 0% on purchases and balance transfers for 15 months, 2% transfer fee" ], "restrictions": [], "source_kind": "feed", "record_stale": false, "bank_last_updated": "2026-11-02T00:00:00Z", "from_issuer_page": null, "balance_transfer": null }, { "rank": 101, "brand": "NATIONAL AUSTRALIA BANK", "brand_label": "NAB", "brand_slug": "national-australia-bank", "product_id": "263a9294-f2d8-4f5e-885c-363e1c2010b9", "product_name": "NAB Qantas Rewards Premium Card", "product_label": "Qantas Rewards Premium Card", "page": "/au/finance/credit-cards/cards/national-australia-bank/qantas-rewards-premium-card/", "product_url": "https://www.nab.com.au/personal/credit-cards/qantas-rewards/nab-qantas-rewards-premium-card", "terms_url": "https://www.nab.com.au/personal/credit-cards/terms-conditions/digital", "key_facts_sheet_url": "https://www.nab.com.au/content/dam/nabrwd/documents/guides/banking/key-facts-credit-cards.pdf", "source_snapshot": "/au/finance/credit-cards/v1/source/national-australia-bank/263a9294-f2d8-4f5e-885c-363e1c2010b9.json", "card_type": "credit", "scheme": "visa", "segments": [ "personal" ], "kind": "low_rate", "purchase_rate_pct": 22.49, "purchase_rate_range_pct": null, "no_interest_card": null, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 44, "annual_fee": 295.0, "fee_period": "annual", "fee_as_stated": 295.0, "annual_fee_stated": true, "annual_fee_note": null, "first_year_fee_waived": false, "min_credit_limit": 3000, "max_credit_limit": null, "rewards_program": "Qantas Frequent Flyer", "conditions": [ "corrected from the bank's own page: a $3,000 minimum credit limit, per the bank's Key Facts Sheet (correct as at 01.10.2026), and a new-customer offer of up to 40,000 bonus Qantas Points and $150 cashback, per its card page; the feed says $6,000 and 60,000 points", "0.00% on balance transfers for 12 months, 3% transfer fee, then 22.99% (the balance transfer rate)", "credit limit from $6,000", "Lending criteria apply", "late payment fee $20 a month when $50 or more is overdue", "cash advance fee 3.5%, minimum $3.50" ], "restrictions": [], "source_kind": "feed", "record_stale": false, "bank_last_updated": "2026-10-01T13:59:59Z", "from_issuer_page": [ { "source": "correction", "fields": [ "min_credit_limit", "cashback_offer", "bonus_offer" ], "confirmed": "2026-11-12", "url": "https://www.nab.com.au/content/dam/nabrwd/documents/guides/banking/key-facts-credit-cards.pdf#page=1", "quote": "Minimum Credit Limit $1000 $1000 $3000 $6000 $3000 $6000" } ], "balance_transfer": { "promo_rate_pct": 0.0, "promo_months": 12, "fee_pct": 3.0, "revert_rate_pct": 22.99, "revert_to": "balance_transfer" } }, { "rank": 102, "brand": "MyCard", "brand_label": "MyCard", "brand_slug": "mycard", "product_id": "1c178978-1bac-4858-894a-eec4b71b1d68", "product_name": "MyCard Premier", "product_label": "Premier", "page": "/au/finance/credit-cards/cards/mycard/premier/", "product_url": "https://mycard.com.au/credit-cards/premier-card", "terms_url": "https://mycard.com.au/help-and-support/important-information/terms-and-conditions", "key_facts_sheet_url": null, "source_snapshot": "/au/finance/credit-cards/v1/source/mycard/1c178978-1bac-4858-894a-eec4b71b1d68.json", "card_type": "credit", "scheme": "mastercard", "segments": [ "personal" ], "kind": "low_rate", "purchase_rate_pct": 22.49, "purchase_rate_range_pct": null, "no_interest_card": null, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 44, "annual_fee": 300.0, "fee_period": "annual", "fee_as_stated": 300.0, "annual_fee_stated": true, "annual_fee_note": null, "first_year_fee_waived": false, "min_credit_limit": 10000.0, "max_credit_limit": 100000.0, "rewards_program": "MyCard Rewards program", "conditions": [ "credit limit $10,000 to $100,000", "cash advance fee 3.5%, minimum $3.50, in Australia and overseas", "offers not available when closing or transferring from another MyCard card", "$2 a month paper statement fee", "up to 150,000 bonus points: 120,000 for $7,000 spend in 90 days, 30,000 more after 12 months", "alternative offer: up to 100,000 bonus Velocity Points via autoredemption" ], "restrictions": [], "source_kind": "feed", "record_stale": false, "bank_last_updated": "2026-11-02T00:00:00Z", "from_issuer_page": null, "balance_transfer": null }, { "rank": 103, "brand": "ANZ", "brand_label": "ANZ", "brand_slug": "anz", "product_id": "6396b1bd-1c47-9c28-59b8-6847f208a9a7", "product_name": "ANZ Rewards Black", "product_label": "Rewards Black", "page": "/au/finance/credit-cards/cards/anz/rewards-black/", "product_url": "https://www.anz.com.au/personal/credit-cards/rewards/black?CID=af:obank:cc", "terms_url": "http://www.anz.com/auxiliary/rates-fees-terms/fees-terms-conditions/?CID=af:obank:cc", "key_facts_sheet_url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-credit-cards-key-facts-sheet.pdf", "source_snapshot": "/au/finance/credit-cards/v1/source/anz/6396b1bd-1c47-9c28-59b8-6847f208a9a7.json", "card_type": "credit", "scheme": "visa", "segments": [ "personal" ], "kind": "low_rate", "purchase_rate_pct": 22.49, "purchase_rate_range_pct": null, "no_interest_card": null, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 44, "annual_fee": 320.0, "fee_period": "annual", "fee_as_stated": 320.0, "annual_fee_stated": true, "annual_fee_note": null, "first_year_fee_waived": false, "min_credit_limit": 15000.0, "max_credit_limit": null, "rewards_program": "ANZ Rewards Points", "conditions": [ "0.00% on balance transfers for 18 months, 3% transfer fee, then 23.49% (the balance transfer rate)", "credit limit from $15,000", "the best offer is for existing customers", "rewards programme fee $55 a year on top of the card fee", "You are not eligible for this offer if you currently hold or have held an ANZ Rewards credit or ANZ Frequent Flyer card in the last 24 months and meet all othe…", "3.5% overseas transaction fee" ], "restrictions": [ "existing_customers" ], "source_kind": "feed", "record_stale": false, "bank_last_updated": "2026-10-27T22:00:00.000Z", "from_issuer_page": null, "balance_transfer": { "promo_rate_pct": 0.0, "promo_months": 18, "fee_pct": 3.0, "revert_rate_pct": 23.49, "revert_to": "balance_transfer" } }, { "rank": 104, "brand": "MyCard", "brand_label": "MyCard", "brand_slug": "mycard", "product_id": "df13d083-6e71-4a4f-a855-4389ec0e07e1", "product_name": "MyCard Premier Qantas", "product_label": "Premier Qantas", "page": "/au/finance/credit-cards/cards/mycard/premier-qantas/", "product_url": "https://mycard.com.au/credit-cards/premier-card-qantas", "terms_url": "https://mycard.com.au/help-and-support/important-information/terms-and-conditions", "key_facts_sheet_url": null, "source_snapshot": "/au/finance/credit-cards/v1/source/mycard/df13d083-6e71-4a4f-a855-4389ec0e07e1.json", "card_type": "credit", "scheme": "mastercard", "segments": [ "personal" ], "kind": "low_rate", "purchase_rate_pct": 22.49, "purchase_rate_range_pct": null, "no_interest_card": null, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 44, "annual_fee": 350.0, "fee_period": "annual", "fee_as_stated": 350.0, "annual_fee_stated": true, "annual_fee_note": null, "first_year_fee_waived": false, "min_credit_limit": 10000.0, "max_credit_limit": 100000.0, "rewards_program": "MyCard Qantas Rewards program", "conditions": [ "corrected from the bank's own page: the issuer's page offers 0% on balance transfers for 12 months with a 3% fee, reverting to the cash advance rate; its feed carries no offer", "credit limit $10,000 to $100,000", "cash advance fee 3.5%, minimum $3.50, in Australia and overseas", "offers not available when closing or transferring from another MyCard card", "$2 a month paper statement fee", "0.5 Qantas Points per $1, capped at $7,000 spend a statement period" ], "restrictions": [], "source_kind": "feed", "record_stale": false, "bank_last_updated": "2026-11-02T00:00:00Z", "from_issuer_page": [ { "source": "correction", "fields": [ "bt_promo_rate_pct", "bt_promo_months", "bt_fee_pct", "bt_revert_rate_pct" ], "confirmed": "2026-11-12", "url": "https://www.mycard.com.au/credit-cards/premier-card-qantas#:~:text=0%25%20p.a.%20for%2012%20months%20on%20Balance%20Transfers.", "quote": "0% p.a. for 12 months on Balance Transfers." } ], "balance_transfer": { "promo_rate_pct": 0.0, "promo_months": 12, "fee_pct": 3.0, "revert_rate_pct": 22.99, "revert_to": "cash_advance" } }, { "rank": 105, "brand": "ANZ", "brand_label": "ANZ", "brand_slug": "anz", "product_id": "325e19d1-2a52-53c6-073e-4b01e86e6936", "product_name": "ANZ Frequent Flyer Black", "product_label": "Frequent Flyer Black", "page": "/au/finance/credit-cards/cards/anz/frequent-flyer-black/", "product_url": "https://www.anz.com.au/personal/credit-cards/frequent-flyer/black?CID=af:obank:cc", "terms_url": "http://www.anz.com/auxiliary/rates-fees-terms/fees-terms-conditions/?CID=af:obank:cc", "key_facts_sheet_url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-credit-cards-key-facts-sheet.pdf", "source_snapshot": "/au/finance/credit-cards/v1/source/anz/325e19d1-2a52-53c6-073e-4b01e86e6936.json", "card_type": "credit", "scheme": "visa", "segments": [ "personal" ], "kind": "low_rate", "purchase_rate_pct": 22.49, "purchase_rate_range_pct": null, "no_interest_card": null, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 44, "annual_fee": 370.0, "fee_period": "annual", "fee_as_stated": 370.0, "annual_fee_stated": true, "annual_fee_note": null, "first_year_fee_waived": false, "min_credit_limit": 15000.0, "max_credit_limit": null, "rewards_program": "Qantas Points", "conditions": [ "0.00% on balance transfers for 18 months, 3% transfer fee, then 23.49% (the balance transfer rate)", "credit limit from $15,000", "the best offer is for existing customers", "rewards programme fee $55 a year on top of the card fee", "You are not eligible for this offer if you currently hold or have held an ANZ Frequent Flyer or ANZ Rewards credit card in the last 24 months and meet all othe…", "3.5% overseas transaction fee" ], "restrictions": [ "existing_customers" ], "source_kind": "feed", "record_stale": false, "bank_last_updated": "2026-10-27T22:00:00.000Z", "from_issuer_page": null, "balance_transfer": { "promo_rate_pct": 0.0, "promo_months": 18, "fee_pct": 3.0, "revert_rate_pct": 23.49, "revert_to": "balance_transfer" } }, { "rank": 106, "brand": "NATIONAL AUSTRALIA BANK", "brand_label": "NAB", "brand_slug": "national-australia-bank", "product_id": "e10279eb-1172-48dd-b6d2-08bed9605c5d", "product_name": "NAB Travel Card", "product_label": "Travel Card", "page": "/au/finance/credit-cards/cards/national-australia-bank/travel-card/", "product_url": "https://www.nab.com.au/personal/credit-cards/nab-rewards/nab-rewards-signature-card", "terms_url": "https://www.nab.com.au/personal/credit-cards/terms-conditions/digital", "key_facts_sheet_url": "https://www.nab.com.au/content/dam/nabrwd/documents/guides/banking/key-facts-credit-cards.pdf", "source_snapshot": "/au/finance/credit-cards/v1/source/national-australia-bank/e10279eb-1172-48dd-b6d2-08bed9605c5d.json", "card_type": "credit", "scheme": "visa", "segments": [ "personal" ], "kind": "low_rate", "purchase_rate_pct": 22.49, "purchase_rate_range_pct": null, "no_interest_card": null, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 44, "annual_fee": 395.0, "fee_period": "annual", "fee_as_stated": 395.0, "annual_fee_stated": true, "annual_fee_note": null, "first_year_fee_waived": false, "min_credit_limit": 6000, "max_credit_limit": null, "rewards_program": "NAB Rewards", "conditions": [ "corrected from the bank's own page: a $6,000 minimum credit limit, per the bank's Key Facts Sheet (correct as at 01.10.2026), and up to 180,000 bonus points, per its card page; the feed says $15,000 and 80,000 points. The $395 card fee is yearly, as published, though the feed names it a monthly fee", "0.00% on balance transfers for 12 months, 3% transfer fee, then 21.74% (the balance transfer rate)", "credit limit from $15,000", "Lending criteria apply", "late payment fee $20 a month when $50 or more is overdue", "cash advance fee 3.5%, minimum $3.50" ], "restrictions": [], "source_kind": "feed", "record_stale": false, "bank_last_updated": "2026-10-01T13:59:59Z", "from_issuer_page": [ { "source": "correction", "fields": [ "min_credit_limit", "bonus_offer" ], "confirmed": "2026-11-12", "url": "https://www.nab.com.au/content/dam/nabrwd/documents/guides/banking/key-facts-credit-cards.pdf#page=1", "quote": "Minimum Credit Limit $1000 $1000 $3000 $6000 $3000 $6000" } ], "balance_transfer": { "promo_rate_pct": 0.0, "promo_months": 12, "fee_pct": 3.0, "revert_rate_pct": 21.74, "revert_to": "balance_transfer" } }, { "rank": 107, "brand": "NATIONAL AUSTRALIA BANK", "brand_label": "NAB", "brand_slug": "national-australia-bank", "product_id": "8a47c774-0065-4850-992c-42d73253f3eb", "product_name": "NAB Qantas Rewards Signature Card", "product_label": "Qantas Rewards Signature Card", "page": "/au/finance/credit-cards/cards/national-australia-bank/qantas-rewards-signature-card/", "product_url": "https://www.nab.com.au/personal/credit-cards/qantas-rewards/nab-qantas-rewards-signature-card", "terms_url": "https://www.nab.com.au/personal/credit-cards/terms-conditions/digital", "key_facts_sheet_url": "https://www.nab.com.au/content/dam/nabrwd/documents/guides/banking/key-facts-credit-cards.pdf", "source_snapshot": "/au/finance/credit-cards/v1/source/national-australia-bank/8a47c774-0065-4850-992c-42d73253f3eb.json", "card_type": "credit", "scheme": "visa", "segments": [ "personal" ], "kind": "low_rate", "purchase_rate_pct": 22.49, "purchase_rate_range_pct": null, "no_interest_card": null, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 44, "annual_fee": 449.0, "fee_period": "annual", "fee_as_stated": 449.0, "annual_fee_stated": true, "annual_fee_note": null, "first_year_fee_waived": false, "min_credit_limit": 6000, "max_credit_limit": null, "rewards_program": "Qantas", "conditions": [ "corrected from the bank's own page: a $6,000 minimum credit limit, per the bank's Key Facts Sheet (correct as at 01.10.2026), and a new-customer offer of up to 60,000 bonus Qantas Points and $200 cashback, per its card page; the feed says $15,000 and 90,000 points", "0.00% on balance transfers for 12 months, 3% transfer fee, then 22.99% (the balance transfer rate)", "credit limit from $15,000", "Lending criteria apply", "late payment fee $20 a month when $50 or more is overdue", "cash advance fee 3.5%, minimum $3.50" ], "restrictions": [], "source_kind": "feed", "record_stale": false, "bank_last_updated": "2026-10-01T13:59:59Z", "from_issuer_page": [ { "source": "correction", "fields": [ "min_credit_limit", "cashback_offer", "bonus_offer" ], "confirmed": "2026-11-12", "url": "https://www.nab.com.au/content/dam/nabrwd/documents/guides/banking/key-facts-credit-cards.pdf#page=1", "quote": "Minimum Credit Limit $1000 $1000 $3000 $6000 $3000 $6000" } ], "balance_transfer": { "promo_rate_pct": 0.0, "promo_months": 12, "fee_pct": 3.0, "revert_rate_pct": 22.99, "revert_to": "balance_transfer" } }, { "rank": 108, "brand": "Bank of Melbourne", "brand_label": "Bank of Melbourne", "brand_slug": "bank-of-melbourne", "product_id": "BOMCCAmplifyPlatinumcardFrequentFlyer", "product_name": "Amplify Qantas Platinum", "product_label": "Amplify Qantas Platinum", "page": "/au/finance/credit-cards/cards/bank-of-melbourne/amplify-qantas-platinum/", "product_url": "https://www.bankofmelbourne.com.au/personal/credit-cards/frequent-flyer/amplify-platinum/summary", "terms_url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/personal/credit-cards/bom_credit_card_terms_and_conditions.pdf", "key_facts_sheet_url": "https://www.bankofmelbourne.com.au/personal/credit-cards/tools/credit-card-key-facts-sheet", "source_snapshot": "/au/finance/credit-cards/v1/source/bank-of-melbourne/BOMCCAmplifyPlatinumcardFrequentFlyer.json", "card_type": "credit", "scheme": "visa", "segments": [ "personal" ], "kind": "low_rate", "purchase_rate_pct": 23.98, "purchase_rate_range_pct": null, "no_interest_card": null, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 45, "annual_fee": 175.0, "fee_period": "annual", "fee_as_stated": 175.0, "annual_fee_stated": true, "annual_fee_note": null, "first_year_fee_waived": false, "min_credit_limit": 6000.0, "max_credit_limit": 80000.0, "rewards_program": "Amplify Platinum Qantas", "conditions": [ "credit limit $6,000 to $80,000", "rewards programme fee $125 a year on top of the card fee", "Have a regular, verifiable Australian taxable income for at least 3 months (18 months for self employed)", "You're up-to-date with your regular repayments (rent or home loan, phone, other credit cards and loans etc.)", "Have a fixed residential address in Australia", "bonus points not for anyone who has held a Bank of Melbourne, St.George or BankSA rewards card in the last 24 months" ], "restrictions": [], "source_kind": "feed", "record_stale": false, "bank_last_updated": "2026-10-29T01:03:01Z", "from_issuer_page": null, "balance_transfer": null }, { "rank": 109, "brand": "Bank of Melbourne", "brand_label": "Bank of Melbourne", "brand_slug": "bank-of-melbourne", "product_id": "BOMCCAmplifyPlatinumcardRewards", "product_name": "Amplify Rewards Platinum", "product_label": "Amplify Rewards Platinum", "page": "/au/finance/credit-cards/cards/bank-of-melbourne/amplify-rewards-platinum/", "product_url": "https://www.bankofmelbourne.com.au/personal/credit-cards/rewards/amplify-platinum/summary", "terms_url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/personal/credit-cards/bom_credit_card_terms_and_conditions.pdf", "key_facts_sheet_url": "https://www.bankofmelbourne.com.au/personal/credit-cards/tools/credit-card-key-facts-sheet", "source_snapshot": "/au/finance/credit-cards/v1/source/bank-of-melbourne/BOMCCAmplifyPlatinumcardRewards.json", "card_type": "credit", "scheme": "visa", "segments": [ "personal" ], "kind": "low_rate", "purchase_rate_pct": 23.98, "purchase_rate_range_pct": null, "no_interest_card": null, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 45, "annual_fee": 175.0, "fee_period": "annual", "fee_as_stated": 175.0, "annual_fee_stated": true, "annual_fee_note": null, "first_year_fee_waived": false, "min_credit_limit": 6000.0, "max_credit_limit": 80000.0, "rewards_program": "Amplify Platinum Rewards", "conditions": [ "credit limit $6,000 to $80,000", "rewards programme fee $75 a year on top of the card fee", "Have a regular, verifiable Australian taxable income for at least 3 months (18 months for self employed)", "You're up-to-date with your regular repayments (rent or home loan, phone, other credit cards and loans etc.)", "Have a fixed residential address in Australia", "bonus points not for anyone who has held a Bank of Melbourne, St.George or BankSA rewards card in the last 24 months" ], "restrictions": [], "source_kind": "feed", "record_stale": false, "bank_last_updated": "2026-10-29T01:03:01Z", "from_issuer_page": null, "balance_transfer": null }, { "rank": 110, "brand": "BankSA", "brand_label": "BankSA", "brand_slug": "banksa", "product_id": "BSACCAmplifyPlatinumcardFrequentFlyer", "product_name": "Amplify Qantas Platinum", "product_label": "Amplify Qantas Platinum", "page": "/au/finance/credit-cards/cards/banksa/amplify-qantas-platinum/", "product_url": "https://www.banksa.com.au/personal/credit-cards/frequent-flyer/amplify-platinum/summary", "terms_url": "https://www.banksa.com.au/content/dam/bsa/downloads/personal/credit-cards/bsa_credit_card_terms_and_conditions.pdf", "key_facts_sheet_url": "https://www.banksa.com.au/personal/credit-cards/tools/credit-card-key-facts-sheet", "source_snapshot": "/au/finance/credit-cards/v1/source/banksa/BSACCAmplifyPlatinumcardFrequentFlyer.json", "card_type": "credit", "scheme": "visa", "segments": [ "personal" ], "kind": "low_rate", "purchase_rate_pct": 23.98, "purchase_rate_range_pct": null, "no_interest_card": null, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 45, "annual_fee": 175.0, "fee_period": "annual", "fee_as_stated": 175.0, "annual_fee_stated": true, "annual_fee_note": null, "first_year_fee_waived": false, "min_credit_limit": 6000.0, "max_credit_limit": 80000.0, "rewards_program": "Amplify Platinum Qantas", "conditions": [ "credit limit $6,000 to $80,000", "rewards programme fee $125 a year on top of the card fee", "Have a regular, verifiable Australian taxable income for at least 3 months (18 months for self employed)", "You're up-to-date with your regular repayments (rent or home loan, phone, other credit cards and loans etc.)", "Have a fixed residential address in Australia", "bonus offer for new cards only; not if you held a BankSA, St.George or Bank of Melbourne rewards card in the last 24 months" ], "restrictions": [], "source_kind": "feed", "record_stale": false, "bank_last_updated": "2026-10-29T01:03:01Z", "from_issuer_page": null, "balance_transfer": null }, { "rank": 111, "brand": "BankSA", "brand_label": "BankSA", "brand_slug": "banksa", "product_id": "BSACCAmplifyPlatinumcardRewards", "product_name": "Amplify Rewards Platinum", "product_label": "Amplify Rewards Platinum", "page": "/au/finance/credit-cards/cards/banksa/amplify-rewards-platinum/", "product_url": "https://www.banksa.com.au/personal/credit-cards/rewards/amplify-platinum/summary", "terms_url": "https://www.banksa.com.au/content/dam/bsa/downloads/personal/credit-cards/bsa_credit_card_terms_and_conditions.pdf", "key_facts_sheet_url": "https://www.banksa.com.au/personal/credit-cards/tools/credit-card-key-facts-sheet", "source_snapshot": "/au/finance/credit-cards/v1/source/banksa/BSACCAmplifyPlatinumcardRewards.json", "card_type": "credit", "scheme": "visa", "segments": [ "personal" ], "kind": "low_rate", "purchase_rate_pct": 23.98, "purchase_rate_range_pct": null, "no_interest_card": null, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 45, "annual_fee": 175.0, "fee_period": "annual", "fee_as_stated": 175.0, "annual_fee_stated": true, "annual_fee_note": null, "first_year_fee_waived": false, "min_credit_limit": 6000.0, "max_credit_limit": 80000.0, "rewards_program": "Amplify Platinum Rewards", "conditions": [ "credit limit $6,000 to $80,000", "rewards programme fee $75 a year on top of the card fee", "Have a regular, verifiable Australian taxable income for at least 3 months (18 months for self employed)", "You're up-to-date with your regular repayments (rent or home loan, phone, other credit cards and loans etc.)", "Have a fixed residential address in Australia", "switches, upgrades and Westpac Group staff are not eligible for the promotion" ], "restrictions": [], "source_kind": "feed", "record_stale": false, "bank_last_updated": "2026-10-29T01:03:01Z", "from_issuer_page": null, "balance_transfer": null }, { "rank": 112, "brand": "St.George Bank", "brand_label": "St.George Bank", "brand_slug": "st-george-bank", "product_id": "STGCCAmplifyPlatinumcardFrequentFlyer", "product_name": "Amplify Qantas Platinum", "product_label": "Amplify Qantas Platinum", "page": "/au/finance/credit-cards/cards/st-george-bank/amplify-qantas-platinum/", "product_url": "https://www.stgeorge.com.au/personal/credit-cards/frequent-flyer/amplify-platinum/summary", "terms_url": "https://www.stgeorge.com.au/content/dam/stg/downloads/personal/credit-cards/stg_credit_card_terms_and_conditions.pdf", "key_facts_sheet_url": "https://www.stgeorge.com.au/personal/credit-cards/tools/credit-card-key-facts-sheet", "source_snapshot": "/au/finance/credit-cards/v1/source/st-george-bank/STGCCAmplifyPlatinumcardFrequentFlyer.json", "card_type": "credit", "scheme": "visa", "segments": [ "personal" ], "kind": "low_rate", "purchase_rate_pct": 23.98, "purchase_rate_range_pct": null, "no_interest_card": null, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 45, "annual_fee": 175.0, "fee_period": "annual", "fee_as_stated": 175.0, "annual_fee_stated": true, "annual_fee_note": null, "first_year_fee_waived": false, "min_credit_limit": 6000.0, "max_credit_limit": 80000.0, "rewards_program": "Amplify Platinum Qantas", "conditions": [ "credit limit $6,000 to $80,000", "rewards programme fee $125 a year on top of the card fee", "Have a regular, verifiable Australian taxable income for at least 3 months (18 months for self employed)", "You're up-to-date with your regular repayments (rent or home loan, phone, other credit cards and loans etc.)", "Have a fixed residential address in Australia", "bonus points not for anyone who has held a St.George, Bank of Melbourne or BankSA rewards card in the last 24 months" ], "restrictions": [], "source_kind": "feed", "record_stale": false, "bank_last_updated": "2026-10-29T01:03:01Z", "from_issuer_page": null, "balance_transfer": null }, { "rank": 113, "brand": "St.George Bank", "brand_label": "St.George Bank", "brand_slug": "st-george-bank", "product_id": "STGCCAmplifyPlatinumcardRewards", "product_name": "Amplify Rewards Platinum", "product_label": "Amplify Rewards Platinum", "page": "/au/finance/credit-cards/cards/st-george-bank/amplify-rewards-platinum/", "product_url": "https://www.stgeorge.com.au/personal/credit-cards/rewards/amplify-platinum/summary", "terms_url": "https://www.stgeorge.com.au/content/dam/stg/downloads/personal/credit-cards/stg_credit_card_terms_and_conditions.pdf", "key_facts_sheet_url": "https://www.stgeorge.com.au/personal/credit-cards/tools/credit-card-key-facts-sheet", "source_snapshot": "/au/finance/credit-cards/v1/source/st-george-bank/STGCCAmplifyPlatinumcardRewards.json", "card_type": "credit", "scheme": "visa", "segments": [ "personal" ], "kind": "low_rate", "purchase_rate_pct": 23.98, "purchase_rate_range_pct": null, "no_interest_card": null, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 45, "annual_fee": 175.0, "fee_period": "annual", "fee_as_stated": 175.0, "annual_fee_stated": true, "annual_fee_note": null, "first_year_fee_waived": false, "min_credit_limit": 6000.0, "max_credit_limit": 80000.0, "rewards_program": "Amplify Platinum Rewards", "conditions": [ "credit limit $6,000 to $80,000", "rewards programme fee $75 a year on top of the card fee", "Have a regular, verifiable Australian taxable income for at least 3 months (18 months for self employed)", "You're up-to-date with your regular repayments (rent or home loan, phone, other credit cards and loans etc.)", "Have a fixed residential address in Australia", "bonus points not for anyone who has held a St.George, Bank of Melbourne or BankSA rewards card in the last 24 months" ], "restrictions": [], "source_kind": "feed", "record_stale": false, "bank_last_updated": "2026-10-29T01:03:01Z", "from_issuer_page": null, "balance_transfer": null }, { "rank": 114, "brand": "Westpac", "brand_label": "Westpac", "brand_slug": "westpac", "product_id": "CCAltPlatQantas", "product_name": "Altitude Qantas Platinum", "product_label": "Altitude Qantas Platinum", "page": "/au/finance/credit-cards/cards/westpac/altitude-qantas-platinum/", "product_url": "https://www.westpac.com.au/credit-cards/reward/altitude-qantas-platinum", "terms_url": "https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/westpac-credit-card-terms-and-conditions.pdf", "key_facts_sheet_url": "https://www.westpac.com.au/credit-cards/credit-cards-fact-sheet", "source_snapshot": "/au/finance/credit-cards/v1/source/westpac/CCAltPlatQantas.json", "card_type": "credit", "scheme": "mastercard", "segments": [ "personal" ], "kind": "low_rate", "purchase_rate_pct": 23.98, "purchase_rate_range_pct": null, "no_interest_card": null, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 45, "annual_fee": 175.0, "fee_period": "annual", "fee_as_stated": 175.0, "annual_fee_stated": true, "annual_fee_note": null, "first_year_fee_waived": false, "min_credit_limit": 3000.0, "max_credit_limit": 50000.0, "rewards_program": "Altitude Qantas", "conditions": [ "credit limit $3,000 to $50,000", "rewards programme fee $125 a year on top of the card fee", "minimum income $30,000 a year", "Customer having a regular, verifiable Australian taxable income.", "Customer having a fixed, verifiable residential address in Australia.", "offers for new cards only; not if you held an Altitude Platinum or Black card in the last 24 months" ], "restrictions": [], "source_kind": "feed", "record_stale": false, "bank_last_updated": "2026-10-29T02:41:55Z", "from_issuer_page": null, "balance_transfer": null }, { "rank": 115, "brand": "Westpac", "brand_label": "Westpac", "brand_slug": "westpac", "product_id": "CCAltPlatRewards", "product_name": "Altitude Rewards Platinum", "product_label": "Altitude Rewards Platinum", "page": "/au/finance/credit-cards/cards/westpac/altitude-rewards-platinum/", "product_url": "https://www.westpac.com.au/credit-cards/reward/altitude-platinum", "terms_url": "https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/westpac-credit-card-terms-and-conditions.pdf", "key_facts_sheet_url": "https://www.westpac.com.au/credit-cards/credit-cards-fact-sheet", "source_snapshot": "/au/finance/credit-cards/v1/source/westpac/CCAltPlatRewards.json", "card_type": "credit", "scheme": "mastercard", "segments": [ "personal" ], "kind": "low_rate", "purchase_rate_pct": 23.98, "purchase_rate_range_pct": null, "no_interest_card": null, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 45, "annual_fee": 175.0, "fee_period": "annual", "fee_as_stated": 175.0, "annual_fee_stated": true, "annual_fee_note": null, "first_year_fee_waived": false, "min_credit_limit": 3000.0, "max_credit_limit": 50000.0, "rewards_program": "Altitude Rewards", "conditions": [ "credit limit $3,000 to $50,000", "rewards programme fee $75 a year on top of the card fee", "minimum income $30,000 a year", "Customer having a regular, verifiable Australian taxable income.", "Customer having a fixed, verifiable residential address in Australia.", "offers for new cards only; not if you held an Altitude Platinum or Black card in the last 24 months" ], "restrictions": [], "source_kind": "feed", "record_stale": false, "bank_last_updated": "2026-10-29T02:41:55Z", "from_issuer_page": null, "balance_transfer": null }, { "rank": 116, "brand": "Westpac", "brand_label": "Westpac", "brand_slug": "westpac", "product_id": "CCAltPlatVelocity", "product_name": "Altitude Velocity Platinum", "product_label": "Altitude Velocity Platinum", "page": "/au/finance/credit-cards/cards/westpac/altitude-velocity-platinum/", "product_url": "https://www.westpac.com.au/credit-cards/reward/altitude-velocity-platinum", "terms_url": "https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/westpac-credit-card-terms-and-conditions.pdf", "key_facts_sheet_url": "https://www.westpac.com.au/credit-cards/credit-cards-fact-sheet", "source_snapshot": "/au/finance/credit-cards/v1/source/westpac/CCAltPlatVelocity.json", "card_type": "credit", "scheme": "mastercard", "segments": [ "personal" ], "kind": "low_rate", "purchase_rate_pct": 23.98, "purchase_rate_range_pct": null, "no_interest_card": null, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 45, "annual_fee": 175.0, "fee_period": "annual", "fee_as_stated": 175.0, "annual_fee_stated": true, "annual_fee_note": null, "first_year_fee_waived": false, "min_credit_limit": 3000.0, "max_credit_limit": 50000.0, "rewards_program": "Altitude Velocity", "conditions": [ "credit limit $3,000 to $50,000", "rewards programme fee $125 a year on top of the card fee", "minimum income $30,000 a year", "Customer having a regular, verifiable Australian taxable income.", "Customer having a fixed, verifiable residential address in Australia.", "offers for new cards only; not if you held an Altitude Platinum or Black card in the last 24 months" ], "restrictions": [], "source_kind": "feed", "record_stale": false, "bank_last_updated": "2026-10-29T02:41:55Z", "from_issuer_page": null, "balance_transfer": null }, { "rank": 117, "brand": "Bank of Melbourne", "brand_label": "Bank of Melbourne", "brand_slug": "bank-of-melbourne", "product_id": "BOMCCAmplifySignaturecardFrequentFlyer", "product_name": "Amplify Qantas Signature", "product_label": "Amplify Qantas Signature", "page": "/au/finance/credit-cards/cards/bank-of-melbourne/amplify-qantas-signature/", "product_url": "https://www.bankofmelbourne.com.au/personal/credit-cards/frequent-flyer/amplify-signature/summary", "terms_url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/personal/credit-cards/bom_credit_card_terms_and_conditions.pdf", "key_facts_sheet_url": "https://www.bankofmelbourne.com.au/personal/credit-cards/tools/credit-card-key-facts-sheet", "source_snapshot": "/au/finance/credit-cards/v1/source/bank-of-melbourne/BOMCCAmplifySignaturecardFrequentFlyer.json", "card_type": "credit", "scheme": "visa", "segments": [ "personal" ], "kind": "low_rate", "purchase_rate_pct": 23.98, "purchase_rate_range_pct": null, "no_interest_card": null, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 45, "annual_fee": 295.0, "fee_period": "annual", "fee_as_stated": 295.0, "annual_fee_stated": true, "annual_fee_note": null, "first_year_fee_waived": false, "min_credit_limit": 15000.0, "max_credit_limit": 80000.0, "rewards_program": "Amplify Signature Qantas", "conditions": [ "credit limit $15,000 to $80,000", "rewards programme fee $155 a year on top of the card fee", "Have a regular, verifiable Australian taxable income for at least 3 months (18 months for self employed)", "You're up-to-date with your regular repayments (rent or home loan, phone, other credit cards and loans etc.)", "Have a fixed residential address in Australia", "bonus points not for anyone who has held a Bank of Melbourne, St.George or BankSA rewards card in the last 24 months" ], "restrictions": [], "source_kind": "feed", "record_stale": false, "bank_last_updated": "2026-10-29T01:03:01Z", "from_issuer_page": null, "balance_transfer": null }, { "rank": 118, "brand": "Bank of Melbourne", "brand_label": "Bank of Melbourne", "brand_slug": "bank-of-melbourne", "product_id": "BOMCCAmplifySignaturecardRewards", "product_name": "Amplify Rewards Signature", "product_label": "Amplify Rewards Signature", "page": "/au/finance/credit-cards/cards/bank-of-melbourne/amplify-rewards-signature/", "product_url": "https://www.bankofmelbourne.com.au/personal/credit-cards/rewards/amplify-signature/summary", "terms_url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/personal/credit-cards/bom_credit_card_terms_and_conditions.pdf", "key_facts_sheet_url": "https://www.bankofmelbourne.com.au/personal/credit-cards/tools/credit-card-key-facts-sheet", "source_snapshot": "/au/finance/credit-cards/v1/source/bank-of-melbourne/BOMCCAmplifySignaturecardRewards.json", "card_type": "credit", "scheme": "visa", "segments": [ "personal" ], "kind": "low_rate", "purchase_rate_pct": 23.98, "purchase_rate_range_pct": null, "no_interest_card": null, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 45, "annual_fee": 295.0, "fee_period": "annual", "fee_as_stated": 295.0, "annual_fee_stated": true, "annual_fee_note": null, "first_year_fee_waived": false, "min_credit_limit": 15000.0, "max_credit_limit": 80000.0, "rewards_program": "Amplify Signature Rewards", "conditions": [ "credit limit $15,000 to $80,000", "rewards programme fee $75 a year on top of the card fee", "Have a regular, verifiable Australian taxable income for at least 3 months (18 months for self employed)", "You're up-to-date with your regular repayments (rent or home loan, phone, other credit cards and loans etc.)", "Have a fixed residential address in Australia", "bonus points not for anyone who has held a Bank of Melbourne, St.George or BankSA rewards card in the last 24 months" ], "restrictions": [], "source_kind": "feed", "record_stale": false, "bank_last_updated": "2026-10-29T01:03:01Z", "from_issuer_page": null, "balance_transfer": null }, { "rank": 119, "brand": "BankSA", "brand_label": "BankSA", "brand_slug": "banksa", "product_id": "BSACCAmplifySignaturecardFrequentFlyer", "product_name": "Amplify Qantas Signature", "product_label": "Amplify Qantas Signature", "page": "/au/finance/credit-cards/cards/banksa/amplify-qantas-signature/", "product_url": "https://www.banksa.com.au/personal/credit-cards/frequent-flyer/amplify-signature/summary", "terms_url": "https://www.banksa.com.au/content/dam/bsa/downloads/personal/credit-cards/bsa_credit_card_terms_and_conditions.pdf", "key_facts_sheet_url": "https://www.banksa.com.au/personal/credit-cards/tools/credit-card-key-facts-sheet", "source_snapshot": "/au/finance/credit-cards/v1/source/banksa/BSACCAmplifySignaturecardFrequentFlyer.json", "card_type": "credit", "scheme": "visa", "segments": [ "personal" ], "kind": "low_rate", "purchase_rate_pct": 23.98, "purchase_rate_range_pct": null, "no_interest_card": null, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 45, "annual_fee": 295.0, "fee_period": "annual", "fee_as_stated": 295.0, "annual_fee_stated": true, "annual_fee_note": null, "first_year_fee_waived": false, "min_credit_limit": 15000.0, "max_credit_limit": 80000.0, "rewards_program": "Amplify Signature Qantas", "conditions": [ "credit limit $15,000 to $80,000", "rewards programme fee $155 a year on top of the card fee", "Have a regular, verifiable Australian taxable income for at least 3 months (18 months for self employed)", "You're up-to-date with your regular repayments (rent or home loan, phone, other credit cards and loans etc.)", "Have a fixed residential address in Australia", "bonus offer for new cards only; not if you held a BankSA, St.George or Bank of Melbourne rewards card in the last 24 months" ], "restrictions": [], "source_kind": "feed", "record_stale": false, "bank_last_updated": "2026-10-29T01:03:01Z", "from_issuer_page": null, "balance_transfer": null }, { "rank": 120, "brand": "BankSA", "brand_label": "BankSA", "brand_slug": "banksa", "product_id": "BSACCAmplifySignaturecardRewards", "product_name": "Amplify Rewards Signature", "product_label": "Amplify Rewards Signature", "page": "/au/finance/credit-cards/cards/banksa/amplify-rewards-signature/", "product_url": "https://www.banksa.com.au/personal/credit-cards/rewards/amplify-signature/summary", "terms_url": "https://www.banksa.com.au/content/dam/bsa/downloads/personal/credit-cards/bsa_credit_card_terms_and_conditions.pdf", "key_facts_sheet_url": "https://www.banksa.com.au/personal/credit-cards/tools/credit-card-key-facts-sheet", "source_snapshot": "/au/finance/credit-cards/v1/source/banksa/BSACCAmplifySignaturecardRewards.json", "card_type": "credit", "scheme": "visa", "segments": [ "personal" ], "kind": "low_rate", "purchase_rate_pct": 23.98, "purchase_rate_range_pct": null, "no_interest_card": null, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 45, "annual_fee": 295.0, "fee_period": "annual", "fee_as_stated": 295.0, "annual_fee_stated": true, "annual_fee_note": null, "first_year_fee_waived": false, "min_credit_limit": 15000.0, "max_credit_limit": 80000.0, "rewards_program": "Amplify Signature Rewards", "conditions": [ "credit limit $15,000 to $80,000", "rewards programme fee $75 a year on top of the card fee", "Have a regular, verifiable Australian taxable income for at least 3 months (18 months for self employed)", "You're up-to-date with your regular repayments (rent or home loan, phone, other credit cards and loans etc.)", "Have a fixed residential address in Australia", "switches, upgrades and Westpac Group staff are not eligible for the promotion" ], "restrictions": [], "source_kind": "feed", "record_stale": false, "bank_last_updated": "2026-10-29T01:03:01Z", "from_issuer_page": null, "balance_transfer": null }, { "rank": 121, "brand": "St.George Bank", "brand_label": "St.George Bank", "brand_slug": "st-george-bank", "product_id": "STGCCAmplifySignaturecardFrequentFlyer", "product_name": "Amplify Qantas Signature", "product_label": "Amplify Qantas Signature", "page": "/au/finance/credit-cards/cards/st-george-bank/amplify-qantas-signature/", "product_url": "https://www.stgeorge.com.au/personal/credit-cards/frequent-flyer/amplify-signature/summary", "terms_url": "https://www.stgeorge.com.au/content/dam/stg/downloads/personal/credit-cards/stg_credit_card_terms_and_conditions.pdf", "key_facts_sheet_url": "https://www.stgeorge.com.au/personal/credit-cards/tools/credit-card-key-facts-sheet", "source_snapshot": "/au/finance/credit-cards/v1/source/st-george-bank/STGCCAmplifySignaturecardFrequentFlyer.json", "card_type": "credit", "scheme": "visa", "segments": [ "personal" ], "kind": "low_rate", "purchase_rate_pct": 23.98, "purchase_rate_range_pct": null, "no_interest_card": null, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 45, "annual_fee": 295.0, "fee_period": "annual", "fee_as_stated": 295.0, "annual_fee_stated": true, "annual_fee_note": null, "first_year_fee_waived": false, "min_credit_limit": 15000.0, "max_credit_limit": 80000.0, "rewards_program": "Amplify Signature Qantas", "conditions": [ "credit limit $15,000 to $80,000", "rewards programme fee $155 a year on top of the card fee", "Have a regular, verifiable Australian taxable income for at least 3 months (18 months for self employed)", "You're up-to-date with your regular repayments (rent or home loan, phone, other credit cards and loans etc.)", "Have a fixed residential address in Australia", "bonus points not for anyone who has held a St.George, Bank of Melbourne or BankSA rewards card in the last 24 months" ], "restrictions": [], "source_kind": "feed", "record_stale": false, "bank_last_updated": "2026-10-29T01:03:01Z", "from_issuer_page": null, "balance_transfer": null }, { "rank": 122, "brand": "St.George Bank", "brand_label": "St.George Bank", "brand_slug": "st-george-bank", "product_id": "STGCCAmplifySignaturecardRewards", "product_name": "Amplify Rewards Signature", "product_label": "Amplify Rewards Signature", "page": "/au/finance/credit-cards/cards/st-george-bank/amplify-rewards-signature/", "product_url": "https://www.stgeorge.com.au/personal/credit-cards/rewards/amplify-signature/summary", "terms_url": "https://www.stgeorge.com.au/content/dam/stg/downloads/personal/credit-cards/stg_credit_card_terms_and_conditions.pdf", "key_facts_sheet_url": "https://www.stgeorge.com.au/personal/credit-cards/tools/credit-card-key-facts-sheet", "source_snapshot": "/au/finance/credit-cards/v1/source/st-george-bank/STGCCAmplifySignaturecardRewards.json", "card_type": "credit", "scheme": "visa", "segments": [ "personal" ], "kind": "low_rate", "purchase_rate_pct": 23.98, "purchase_rate_range_pct": null, "no_interest_card": null, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 45, "annual_fee": 295.0, "fee_period": "annual", "fee_as_stated": 295.0, "annual_fee_stated": true, "annual_fee_note": null, "first_year_fee_waived": false, "min_credit_limit": 15000.0, "max_credit_limit": 80000.0, "rewards_program": "Amplify Signature Rewards", "conditions": [ "credit limit $15,000 to $80,000", "rewards programme fee $75 a year on top of the card fee", "Have a regular, verifiable Australian taxable income for at least 3 months (18 months for self employed)", "You're up-to-date with your regular repayments (rent or home loan, phone, other credit cards and loans etc.)", "Have a fixed residential address in Australia", "bonus points not for anyone who has held a St.George, Bank of Melbourne or BankSA rewards card in the last 24 months" ], "restrictions": [], "source_kind": "feed", "record_stale": false, "bank_last_updated": "2026-10-29T01:03:01Z", "from_issuer_page": null, "balance_transfer": null }, { "rank": 123, "brand": "Westpac", "brand_label": "Westpac", "brand_slug": "westpac", "product_id": "CCAltBlackRewards", "product_name": "Altitude Black Rewards World Mastercard", "product_label": "Altitude Black Rewards World Mastercard", "page": "/au/finance/credit-cards/cards/westpac/altitude-black-rewards-world-mastercard/", "product_url": "https://www.westpac.com.au/credit-cards/reward/altitude-rewards-black?fid=cp:salob:concc:pc:cta2", "terms_url": "https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/westpac-credit-card-terms-and-conditions.pdf", "key_facts_sheet_url": "https://www.westpac.com.au/credit-cards/credit-cards-fact-sheet", "source_snapshot": "/au/finance/credit-cards/v1/source/westpac/CCAltBlackRewards.json", "card_type": "credit", "scheme": "mastercard", "segments": [ "personal" ], "kind": "low_rate", "purchase_rate_pct": 23.98, "purchase_rate_range_pct": null, "no_interest_card": null, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 45, "annual_fee": 295.0, "fee_period": "annual", "fee_as_stated": 295.0, "annual_fee_stated": true, "annual_fee_note": null, "first_year_fee_waived": false, "min_credit_limit": 6000.0, "max_credit_limit": 75000.0, "rewards_program": "Altitude Rewards", "conditions": [ "credit limit $6,000 to $75,000", "rewards programme fee $75 a year on top of the card fee", "minimum income $75,000 a year", "Customer having a regular, verifiable Australian taxable income.", "Customer having a fixed, verifiable residential address in Australia.", "offers for new cards only; not if you held an Altitude Platinum or Black card in the last 24 months" ], "restrictions": [], "source_kind": "feed", "record_stale": false, "bank_last_updated": "2026-10-29T02:41:55Z", "from_issuer_page": null, "balance_transfer": null }, { "rank": 124, "brand": "Westpac", "brand_label": "Westpac", "brand_slug": "westpac", "product_id": "CCAltBlackQantas", "product_name": "Altitude Qantas Black", "product_label": "Altitude Qantas Black", "page": "/au/finance/credit-cards/cards/westpac/altitude-qantas-black/", "product_url": "https://www.westpac.com.au/credit-cards/reward/altitude-qantas-black", "terms_url": "https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/westpac-credit-card-terms-and-conditions.pdf", "key_facts_sheet_url": "https://www.westpac.com.au/credit-cards/credit-cards-fact-sheet", "source_snapshot": "/au/finance/credit-cards/v1/source/westpac/CCAltBlackQantas.json", "card_type": "credit", "scheme": "mastercard", "segments": [ "personal" ], "kind": "low_rate", "purchase_rate_pct": 23.98, "purchase_rate_range_pct": null, "no_interest_card": null, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 45, "annual_fee": 295.0, "fee_period": "annual", "fee_as_stated": 295.0, "annual_fee_stated": true, "annual_fee_note": null, "first_year_fee_waived": false, "min_credit_limit": 6000.0, "max_credit_limit": 75000.0, "rewards_program": "Altitude Qantas", "conditions": [ "credit limit $6,000 to $75,000", "rewards programme fee $155 a year on top of the card fee", "minimum income $75,000 a year", "Customer having a regular, verifiable Australian taxable income.", "Customer having a fixed, verifiable residential address in Australia.", "offers for new cards only; not if you held any Westpac credit card in the last 24 months" ], "restrictions": [], "source_kind": "feed", "record_stale": false, "bank_last_updated": "2026-10-29T02:41:55Z", "from_issuer_page": null, "balance_transfer": null }, { "rank": 125, "brand": "Westpac", "brand_label": "Westpac", "brand_slug": "westpac", "product_id": "CCAltBlackVelocity", "product_name": "Altitude Velocity Black", "product_label": "Altitude Velocity Black", "page": "/au/finance/credit-cards/cards/westpac/altitude-velocity-black/", "product_url": "https://www.westpac.com.au/credit-cards/reward/altitude-velocity-black", "terms_url": "https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/westpac-credit-card-terms-and-conditions.pdf", "key_facts_sheet_url": "https://www.westpac.com.au/credit-cards/credit-cards-fact-sheet", "source_snapshot": "/au/finance/credit-cards/v1/source/westpac/CCAltBlackVelocity.json", "card_type": "credit", "scheme": "mastercard", "segments": [ "personal" ], "kind": "low_rate", "purchase_rate_pct": 23.98, "purchase_rate_range_pct": null, "no_interest_card": null, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 45, "annual_fee": 295.0, "fee_period": "annual", "fee_as_stated": 295.0, "annual_fee_stated": true, "annual_fee_note": null, "first_year_fee_waived": false, "min_credit_limit": 6000.0, "max_credit_limit": 75000.0, "rewards_program": "Altitude Velocity", "conditions": [ "credit limit $6,000 to $75,000", "rewards programme fee $155 a year on top of the card fee", "minimum income $75,000 a year", "Customer having a regular, verifiable Australian taxable income.", "Customer having a fixed, verifiable residential address in Australia.", "offers for new cards only; not if you held any Westpac credit card in the last 24 months" ], "restrictions": [], "source_kind": "feed", "record_stale": false, "bank_last_updated": "2026-10-29T02:41:55Z", "from_issuer_page": null, "balance_transfer": null }, { "rank": 126, "brand": "American Express Australia Limited", "brand_label": "American Express", "brand_slug": "american-express", "product_id": "amex-qantas-discovery", "product_name": "The Qantas American Express Discovery Card", "product_label": "Qantas Discovery Card", "page": "/au/finance/credit-cards/cards/american-express/qantas-discovery-card/", "product_url": "https://www.americanexpress.com/au/credit-cards/qantas-discovery-card/", "terms_url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/Credit_Card_Conditions.pdf", "key_facts_sheet_url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Qantas.pdf", "source_snapshot": null, "card_type": "credit", "scheme": "amex", "segments": [ "personal" ], "kind": "low_rate", "purchase_rate_pct": 23.99, "purchase_rate_range_pct": null, "no_interest_card": null, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 44, "annual_fee": 0, "fee_period": "annual", "fee_as_stated": 0, "annual_fee_stated": true, "annual_fee_note": null, "first_year_fee_waived": false, "min_credit_limit": 2000, "max_credit_limit": null, "rewards_program": "Qantas Frequent Flyer", "conditions": [ "read from the issuer's own page and Key Facts Sheet correct as at 2023-05-03, each figure quoted and re-read daily", "cash advances are not offered", "aged 18 or over; Australian citizen, permanent resident or long-term visa holder" ], "restrictions": [], "source_kind": "document", "record_stale": false, "bank_last_updated": "2026-11-12T02:35:39+00:00", "from_issuer_page": [ { "source": "issuer_document", "fields": [ "annual_fee", "purchase_rate_pct", "interest_free_days", "document_date", "min_credit_limit", "late_payment_fee", "cash_advance_rate_pct", "foreign_transaction_fee_pct" ], "confirmed": "2026-11-12", "url": "https://www.americanexpress.com/au/credit-cards/qantas-discovery-card/#:~:text=Interest%20Rate%2023.99%25%20p.a.", "quote": "Interest Rate 23.99% p.a." } ], "document_date": "2023-05-03", "checked": { "at": "2026-11-12T02:35:39+00:00", "quotes": { "annual_fee": { "status": "found", "url": "https://www.americanexpress.com/au/credit-cards/qantas-discovery-card/", "confirmed": "2026-11-12", "cite_url": "https://www.americanexpress.com/au/credit-cards/qantas-discovery-card/#:~:text=Annual%20Fee%20%240%20p.a.", "document_sha256": "739bff5ba54ba78f79d742f31d9825fa5e3c938f595ae395084e29759e4d9f50" }, "purchase_rate": { "status": "found", "url": "https://www.americanexpress.com/au/credit-cards/qantas-discovery-card/", "confirmed": "2026-11-12", "cite_url": "https://www.americanexpress.com/au/credit-cards/qantas-discovery-card/#:~:text=Interest%20Rate%2023.99%25%20p.a.", "document_sha256": "739bff5ba54ba78f79d742f31d9825fa5e3c938f595ae395084e29759e4d9f50" }, "interest_free_days": { "status": "found", "url": "https://www.americanexpress.com/au/credit-cards/qantas-discovery-card/", "confirmed": "2026-11-12", "cite_url": "https://www.americanexpress.com/au/credit-cards/qantas-discovery-card/#:~:text=Interest%20Free%20Period%20Up%20to%2044%20days", "document_sha256": "739bff5ba54ba78f79d742f31d9825fa5e3c938f595ae395084e29759e4d9f50" }, "kfs_date": { "status": "found", "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Qantas.pdf", "confirmed": "2026-11-12", "cite_url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Qantas.pdf#page=1", "page": 1, "document_sha256": "ae907cce785f5689c99b7a1c6335694d27867439a8582ff14f5b55d286b4595d" }, "min_credit_limit": { "status": "found", "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Qantas.pdf", "confirmed": "2026-11-12", "cite_url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Qantas.pdf#page=1", "page": 1, "document_sha256": "ae907cce785f5689c99b7a1c6335694d27867439a8582ff14f5b55d286b4595d" }, "late_payment_fee": { "status": "found", "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Qantas.pdf", "confirmed": "2026-11-12", "cite_url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Qantas.pdf#page=1", "page": 1, "document_sha256": "ae907cce785f5689c99b7a1c6335694d27867439a8582ff14f5b55d286b4595d" }, "cash_advance": { "status": "found", "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Qantas.pdf", "confirmed": "2026-11-12", "cite_url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Qantas.pdf#page=1", "page": 1, "document_sha256": "ae907cce785f5689c99b7a1c6335694d27867439a8582ff14f5b55d286b4595d" }, "issuer.foreign_transaction_fee": { "status": "found", "url": "https://www.americanexpress.com/au/credit-cards/about-credit-cards/fees/", "confirmed": "2026-11-12", "cite_url": "https://www.americanexpress.com/au/credit-cards/about-credit-cards/fees/#:~:text=Currency%20Conversion%20Fee%20Effective%20from,3.5%25%20of%20the%20converted%20amount", "document_sha256": "e8b498ee2e62259b19444a73450d9f4112d286b6bae0798bd6fa020ea6675275" }, "issuer.late_payment_fee_charge_cards": { "status": "found", "url": "https://www.americanexpress.com/au/credit-cards/about-credit-cards/fees/", "confirmed": "2026-11-12", "cite_url": "https://www.americanexpress.com/au/credit-cards/about-credit-cards/fees/#:~:text=Late%20Payment%20Fee%20%2430%20Three,charged%20on%20any%20overdue%20amount.", "document_sha256": "e8b498ee2e62259b19444a73450d9f4112d286b6bae0798bd6fa020ea6675275" } } }, "balance_transfer": null }, { "rank": 127, "brand": "American Express Australia Limited", "brand_label": "American Express", "brand_slug": "american-express", "product_id": "amex-velocity-escape-plus", "product_name": "The American Express Velocity Escape Plus Card", "product_label": "Velocity Escape Plus Card", "page": "/au/finance/credit-cards/cards/american-express/velocity-escape-plus-card/", "product_url": "https://www.americanexpress.com/en-au/credit-cards/velocity-escape-plus-card/", "terms_url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/Credit_Card_Conditions.pdf", "key_facts_sheet_url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Velocity.pdf", "source_snapshot": null, "card_type": "credit", "scheme": "amex", "segments": [ "personal" ], "kind": "low_rate", "purchase_rate_pct": 23.99, "purchase_rate_range_pct": null, "no_interest_card": null, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 55, "annual_fee": 95, "fee_period": "annual", "fee_as_stated": 95, "annual_fee_stated": true, "annual_fee_note": null, "first_year_fee_waived": false, "min_credit_limit": 2000, "max_credit_limit": null, "rewards_program": "Velocity Frequent Flyer", "conditions": [ "read from the issuer's own page and Key Facts Sheet correct as at 2024-11-06, each figure quoted and re-read daily", "cash advances are not offered", "aged 18 or over; Australian citizen, permanent resident or long-term visa holder", "everyday earn drops from 1 to 0.75 Velocity Points per $1 after 12,000 points in a calendar year", "$50 Virgin Australia statement credit benefit ends 31 December 2026 (per the bank's terms on 2026-11-01; that sentence could not be found in them today, so check the bank's page)" ], "restrictions": [], "source_kind": "document", "record_stale": false, "bank_last_updated": "2026-11-12T02:35:39+00:00", "from_issuer_page": [ { "source": "issuer_document", "fields": [ "annual_fee", "purchase_rate_pct", "interest_free_days", "document_date", "min_credit_limit", "late_payment_fee", "cash_advance_rate_pct", "foreign_transaction_fee_pct" ], "confirmed": "2026-11-12", "url": "https://www.americanexpress.com/en-au/credit-cards/velocity-escape-plus-card/#:~:text=Interest%20Rate%2023.99%25%20p.a.", "quote": "Interest Rate 23.99% p.a." } ], "document_date": "2024-11-06", "checked": { "at": "2026-11-12T02:35:39+00:00", "quotes": { "annual_fee": { "status": "found", "url": "https://www.americanexpress.com/en-au/credit-cards/velocity-escape-plus-card/", "confirmed": "2026-11-12", "cite_url": "https://www.americanexpress.com/en-au/credit-cards/velocity-escape-plus-card/#:~:text=Annual%20Fee%20%2495%20p.a", "document_sha256": "587331cb23c35fca20b4a3f825ee833ab930ca964fc51bad22c95705c17039e5" }, "purchase_rate": { "status": "found", "url": "https://www.americanexpress.com/en-au/credit-cards/velocity-escape-plus-card/", "confirmed": "2026-11-12", "cite_url": "https://www.americanexpress.com/en-au/credit-cards/velocity-escape-plus-card/#:~:text=Interest%20Rate%2023.99%25%20p.a.", "document_sha256": "587331cb23c35fca20b4a3f825ee833ab930ca964fc51bad22c95705c17039e5" }, "interest_free_days": { "status": "found", "url": "https://www.americanexpress.com/en-au/credit-cards/velocity-escape-plus-card/", "confirmed": "2026-11-12", "cite_url": "https://www.americanexpress.com/en-au/credit-cards/velocity-escape-plus-card/#:~:text=Interest%20Free%20Period%20Up%20to%2055%20days", "document_sha256": "587331cb23c35fca20b4a3f825ee833ab930ca964fc51bad22c95705c17039e5" }, "kfs_date": { "status": "found", "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Velocity.pdf", "confirmed": "2026-11-12", "cite_url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Velocity.pdf#page=1", "page": 1, "document_sha256": "4cd3daa69d25a16a33316f4323137e2b93cdab292c4f4a367c35921bb37800ab" }, "min_credit_limit": { "status": "found", "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Velocity.pdf", "confirmed": "2026-11-12", "cite_url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Velocity.pdf#page=1", "page": 1, "document_sha256": "4cd3daa69d25a16a33316f4323137e2b93cdab292c4f4a367c35921bb37800ab" }, "late_payment_fee": { "status": "found", "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Velocity.pdf", "confirmed": "2026-11-12", "cite_url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Velocity.pdf#page=1", "page": 1, "document_sha256": "4cd3daa69d25a16a33316f4323137e2b93cdab292c4f4a367c35921bb37800ab" }, "cash_advance": { "status": "found", "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Velocity.pdf", "confirmed": "2026-11-12", "cite_url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Velocity.pdf#page=1", "page": 1, "document_sha256": "4cd3daa69d25a16a33316f4323137e2b93cdab292c4f4a367c35921bb37800ab" }, "issuer.foreign_transaction_fee": { "status": "found", "url": "https://www.americanexpress.com/au/credit-cards/about-credit-cards/fees/", "confirmed": "2026-11-12", "cite_url": "https://www.americanexpress.com/au/credit-cards/about-credit-cards/fees/#:~:text=Currency%20Conversion%20Fee%20Effective%20from,3.5%25%20of%20the%20converted%20amount", "document_sha256": "e8b498ee2e62259b19444a73450d9f4112d286b6bae0798bd6fa020ea6675275" }, "issuer.late_payment_fee_charge_cards": { "status": "found", "url": "https://www.americanexpress.com/au/credit-cards/about-credit-cards/fees/", "confirmed": "2026-11-12", "cite_url": "https://www.americanexpress.com/au/credit-cards/about-credit-cards/fees/#:~:text=Late%20Payment%20Fee%20%2430%20Three,charged%20on%20any%20overdue%20amount.", "document_sha256": "e8b498ee2e62259b19444a73450d9f4112d286b6bae0798bd6fa020ea6675275" } } }, "balance_transfer": null }, { "rank": 128, "brand": "American Express Australia Limited", "brand_label": "American Express", "brand_slug": "american-express", "product_id": "amex-essential-rewards", "product_name": "The American Express Essential Rewards Credit Card", "product_label": "Essential Rewards Credit Card", "page": "/au/finance/credit-cards/cards/american-express/essential-rewards-credit-card/", "product_url": "https://www.americanexpress.com/au/credit-cards/essential-rewards-credit-card/", "terms_url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/Credit_Card_Conditions.pdf", "key_facts_sheet_url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Prop.pdf", "source_snapshot": null, "card_type": "credit", "scheme": "amex", "segments": [ "personal" ], "kind": "low_rate", "purchase_rate_pct": 23.99, "purchase_rate_range_pct": null, "no_interest_card": null, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 55, "annual_fee": 108, "fee_period": "monthly", "fee_as_stated": 9, "annual_fee_stated": true, "annual_fee_note": null, "first_year_fee_waived": false, "min_credit_limit": 2000, "max_credit_limit": null, "rewards_program": "Membership Rewards", "conditions": [ "read from the issuer's own page and Key Facts Sheet correct as at 2024-04-30, each figure quoted and re-read daily", "cash advances are not offered", "aged 18 or over; Australian citizen, permanent resident or long-term visa holder", "bonus earn rates (up to 5 points per $1) apply only to the first 10,000 points a month, then 1 point per $1" ], "restrictions": [], "source_kind": "document", "record_stale": false, "bank_last_updated": "2026-11-12T02:35:39+00:00", "from_issuer_page": [ { "source": "issuer_document", "fields": [ "annual_fee", "purchase_rate_pct", "interest_free_days", "document_date", "min_credit_limit", "late_payment_fee", "cash_advance_rate_pct", "foreign_transaction_fee_pct" ], "confirmed": "2026-11-12", "url": "https://www.americanexpress.com/au/credit-cards/essential-rewards-credit-card/#:~:text=Interest%20Rate%2023.99%25%20p.a.%20on%20purchases", "quote": "Interest Rate 23.99% p.a. on purchases" } ], "document_date": "2024-04-30", "checked": { "at": "2026-11-12T02:35:39+00:00", "quotes": { "annual_fee": { "status": "found", "url": "https://www.americanexpress.com/au/credit-cards/essential-rewards-credit-card/", "confirmed": "2026-11-12", "cite_url": "https://www.americanexpress.com/au/credit-cards/essential-rewards-credit-card/#:~:text=Annual%20Fee%20%249%20per%20month%20%28%24108%20per%20year%29", "document_sha256": "2109af52cf84fd0bbb6abcc5808252659c7c8c9f6d89c1070977595c70eb2adb" }, "purchase_rate": { "status": "found", "url": "https://www.americanexpress.com/au/credit-cards/essential-rewards-credit-card/", "confirmed": "2026-11-12", "cite_url": "https://www.americanexpress.com/au/credit-cards/essential-rewards-credit-card/#:~:text=Interest%20Rate%2023.99%25%20p.a.%20on%20purchases", "document_sha256": "2109af52cf84fd0bbb6abcc5808252659c7c8c9f6d89c1070977595c70eb2adb" }, "interest_free_days": { "status": "found", "url": "https://www.americanexpress.com/au/credit-cards/essential-rewards-credit-card/", "confirmed": "2026-11-12", "cite_url": "https://www.americanexpress.com/au/credit-cards/essential-rewards-credit-card/#:~:text=Interest%20Free%20Period%20Up%20to%2055%20days", "document_sha256": "2109af52cf84fd0bbb6abcc5808252659c7c8c9f6d89c1070977595c70eb2adb" }, "kfs_date": { "status": "found", "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Prop.pdf", "confirmed": "2026-11-12", "cite_url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Prop.pdf#page=1", "page": 1, "document_sha256": "e754f00b49f5e80fe840e7e9734cbbfa06e4df668bcb76d3d9fec56d84b9e8eb" }, "min_credit_limit": { "status": "found", "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Prop.pdf", "confirmed": "2026-11-12", "cite_url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Prop.pdf#page=1", "page": 1, "document_sha256": "e754f00b49f5e80fe840e7e9734cbbfa06e4df668bcb76d3d9fec56d84b9e8eb" }, "late_payment_fee": { "status": "found", "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Prop.pdf", "confirmed": "2026-11-12", "cite_url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Prop.pdf#page=1", "page": 1, "document_sha256": "e754f00b49f5e80fe840e7e9734cbbfa06e4df668bcb76d3d9fec56d84b9e8eb" }, "cash_advance": { "status": "found", "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Prop.pdf", "confirmed": "2026-11-12", "cite_url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Prop.pdf#page=1", "page": 1, "document_sha256": "e754f00b49f5e80fe840e7e9734cbbfa06e4df668bcb76d3d9fec56d84b9e8eb" }, "issuer.foreign_transaction_fee": { "status": "found", "url": "https://www.americanexpress.com/au/credit-cards/about-credit-cards/fees/", "confirmed": "2026-11-12", "cite_url": "https://www.americanexpress.com/au/credit-cards/about-credit-cards/fees/#:~:text=Currency%20Conversion%20Fee%20Effective%20from,3.5%25%20of%20the%20converted%20amount", "document_sha256": "e8b498ee2e62259b19444a73450d9f4112d286b6bae0798bd6fa020ea6675275" }, "issuer.late_payment_fee_charge_cards": { "status": "found", "url": "https://www.americanexpress.com/au/credit-cards/about-credit-cards/fees/", "confirmed": "2026-11-12", "cite_url": "https://www.americanexpress.com/au/credit-cards/about-credit-cards/fees/#:~:text=Late%20Payment%20Fee%20%2430%20Three,charged%20on%20any%20overdue%20amount.", "document_sha256": "e8b498ee2e62259b19444a73450d9f4112d286b6bae0798bd6fa020ea6675275" } } }, "balance_transfer": null }, { "rank": 129, "brand": "American Express Australia Limited", "brand_label": "American Express", "brand_slug": "american-express", "product_id": "amex-platinum-edge", "product_name": "The American Express Platinum Edge Credit Card", "product_label": "Platinum Edge Credit Card", "page": "/au/finance/credit-cards/cards/american-express/platinum-edge-credit-card/", "product_url": "https://www.americanexpress.com/au/credit-cards/platinum-edge-credit-card/", "terms_url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/Credit_Card_Conditions.pdf", "key_facts_sheet_url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Prop.pdf", "source_snapshot": null, "card_type": "credit", "scheme": "amex", "segments": [ "personal" ], "kind": "low_rate", "purchase_rate_pct": 23.99, "purchase_rate_range_pct": null, "no_interest_card": null, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 55, "annual_fee": 195, "fee_period": "annual", "fee_as_stated": 195, "annual_fee_stated": true, "annual_fee_note": null, "first_year_fee_waived": true, "min_credit_limit": 3000, "max_credit_limit": null, "rewards_program": "Membership Rewards", "conditions": [ "read from the issuer's own page and Key Facts Sheet correct as at 2024-04-30, each figure quoted and re-read daily", "no card fee in the first year, as the issuer's page states", "cash advances are not offered", "The card page offers $0 Annual Card Fee in the first year, saving you $195; the ongoing fee is the Key Facts Sheet's $195 per annum.", "aged 18 or over; Australian citizen, permanent resident or long-term visa holder", "first-year $0 card fee only for new Card Members applying online" ], "restrictions": [], "source_kind": "document", "record_stale": false, "bank_last_updated": "2026-11-12T02:35:39+00:00", "from_issuer_page": [ { "source": "issuer_document", "fields": [ "annual_fee", "purchase_rate_pct", "interest_free_days", "document_date", "min_credit_limit", "late_payment_fee", "cash_advance_rate_pct", "first_year_fee_waived", "foreign_transaction_fee_pct" ], "confirmed": "2026-11-12", "url": "https://www.americanexpress.com/au/credit-cards/platinum-edge-credit-card/#:~:text=Interest%20Rate%2023.99%25%20p.a.%20on%20purchases", "quote": "Interest Rate 23.99% p.a. on purchases" } ], "document_date": "2024-04-30", "checked": { "at": "2026-11-12T02:35:39+00:00", "quotes": { "annual_fee": { "status": "found", "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Prop.pdf", "confirmed": "2026-11-12", "cite_url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Prop.pdf#page=1", "page": 1, "document_sha256": "e754f00b49f5e80fe840e7e9734cbbfa06e4df668bcb76d3d9fec56d84b9e8eb" }, "purchase_rate": { "status": "found", "url": "https://www.americanexpress.com/au/credit-cards/platinum-edge-credit-card/", "confirmed": "2026-11-12", "cite_url": "https://www.americanexpress.com/au/credit-cards/platinum-edge-credit-card/#:~:text=Interest%20Rate%2023.99%25%20p.a.%20on%20purchases", "document_sha256": "1d0da24edb6a34987acdbc68edd82db5a269b435d289a7c7d56c9630993993a5" }, "interest_free_days": { "status": "found", "url": "https://www.americanexpress.com/au/credit-cards/platinum-edge-credit-card/", "confirmed": "2026-11-12", "cite_url": "https://www.americanexpress.com/au/credit-cards/platinum-edge-credit-card/#:~:text=Interest%20Free%20Period%20Up%20to%2055%20days", "document_sha256": "1d0da24edb6a34987acdbc68edd82db5a269b435d289a7c7d56c9630993993a5" }, "kfs_date": { "status": "found", "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Prop.pdf", "confirmed": "2026-11-12", "cite_url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Prop.pdf#page=1", "page": 1, "document_sha256": "e754f00b49f5e80fe840e7e9734cbbfa06e4df668bcb76d3d9fec56d84b9e8eb" }, "min_credit_limit": { "status": "found", "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Prop.pdf", "confirmed": "2026-11-12", "cite_url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Prop.pdf#page=1", "page": 1, "document_sha256": "e754f00b49f5e80fe840e7e9734cbbfa06e4df668bcb76d3d9fec56d84b9e8eb" }, "late_payment_fee": { "status": "found", "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Prop.pdf", "confirmed": "2026-11-12", "cite_url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Prop.pdf#page=1", "page": 1, "document_sha256": "e754f00b49f5e80fe840e7e9734cbbfa06e4df668bcb76d3d9fec56d84b9e8eb" }, "cash_advance": { "status": "found", "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Prop.pdf", "confirmed": "2026-11-12", "cite_url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Prop.pdf#page=1", "page": 1, "document_sha256": "e754f00b49f5e80fe840e7e9734cbbfa06e4df668bcb76d3d9fec56d84b9e8eb" }, "first_year_fee": { "status": "found", "url": "https://www.americanexpress.com/au/credit-cards/platinum-edge-credit-card/", "confirmed": "2026-11-12", "cite_url": "https://www.americanexpress.com/au/credit-cards/platinum-edge-credit-card/#:~:text=%240%20Annual%20Card%20Fee%20in,first%20year%2C%20saving%20you%20%24195", "document_sha256": "1d0da24edb6a34987acdbc68edd82db5a269b435d289a7c7d56c9630993993a5" }, "issuer.foreign_transaction_fee": { "status": "found", "url": "https://www.americanexpress.com/au/credit-cards/about-credit-cards/fees/", "confirmed": "2026-11-12", "cite_url": "https://www.americanexpress.com/au/credit-cards/about-credit-cards/fees/#:~:text=Currency%20Conversion%20Fee%20Effective%20from,3.5%25%20of%20the%20converted%20amount", "document_sha256": "e8b498ee2e62259b19444a73450d9f4112d286b6bae0798bd6fa020ea6675275" }, "issuer.late_payment_fee_charge_cards": { "status": "found", "url": "https://www.americanexpress.com/au/credit-cards/about-credit-cards/fees/", "confirmed": "2026-11-12", "cite_url": "https://www.americanexpress.com/au/credit-cards/about-credit-cards/fees/#:~:text=Late%20Payment%20Fee%20%2430%20Three,charged%20on%20any%20overdue%20amount.", "document_sha256": "e8b498ee2e62259b19444a73450d9f4112d286b6bae0798bd6fa020ea6675275" } } }, "balance_transfer": null }, { "rank": 130, "brand": "American Express Australia Limited", "brand_label": "American Express", "brand_slug": "american-express", "product_id": "amex-qantas-premium", "product_name": "The Qantas American Express Premium Card", "product_label": "Qantas Premium Card", "page": "/au/finance/credit-cards/cards/american-express/qantas-premium-card/", "product_url": "https://www.americanexpress.com/au/credit-cards/qantas-premium-card/", "terms_url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/Credit_Card_Conditions.pdf", "key_facts_sheet_url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Qantas.pdf", "source_snapshot": null, "card_type": "credit", "scheme": "amex", "segments": [ "personal" ], "kind": "low_rate", "purchase_rate_pct": 23.99, "purchase_rate_range_pct": null, "no_interest_card": null, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 44, "annual_fee": 249, "fee_period": "annual", "fee_as_stated": 249, "annual_fee_stated": true, "annual_fee_note": null, "first_year_fee_waived": false, "min_credit_limit": 2000, "max_credit_limit": null, "rewards_program": "Qantas Frequent Flyer", "conditions": [ "read from the issuer's own page and Key Facts Sheet correct as at 2023-05-03, each figure quoted and re-read daily", "cash advances are not offered", "aged 18 or over; Australian citizen, permanent resident or long-term visa holder", "sign-up bonus only for new American Express Card Members" ], "restrictions": [], "source_kind": "document", "record_stale": false, "bank_last_updated": "2026-11-12T02:35:39+00:00", "from_issuer_page": [ { "source": "issuer_document", "fields": [ "annual_fee", "purchase_rate_pct", "interest_free_days", "document_date", "min_credit_limit", "late_payment_fee", "cash_advance_rate_pct", "foreign_transaction_fee_pct" ], "confirmed": "2026-11-12", "url": "https://www.americanexpress.com/au/credit-cards/qantas-premium-card/#:~:text=Interest%20Rate%2023.99%25%20p.a.", "quote": "Interest Rate 23.99% p.a." } ], "document_date": "2023-05-03", "checked": { "at": "2026-11-12T02:35:39+00:00", "quotes": { "annual_fee": { "status": "found", "url": "https://www.americanexpress.com/au/credit-cards/qantas-premium-card/", "confirmed": "2026-11-12", "cite_url": "https://www.americanexpress.com/au/credit-cards/qantas-premium-card/#:~:text=Annual%20Fee%20%24249%20p.a.", "document_sha256": "00fb36de6110663d6198395e0440b6f529734b2c8f1c26f5b852520f4687e451" }, "purchase_rate": { "status": "found", "url": "https://www.americanexpress.com/au/credit-cards/qantas-premium-card/", "confirmed": "2026-11-12", "cite_url": "https://www.americanexpress.com/au/credit-cards/qantas-premium-card/#:~:text=Interest%20Rate%2023.99%25%20p.a.", "document_sha256": "00fb36de6110663d6198395e0440b6f529734b2c8f1c26f5b852520f4687e451" }, "interest_free_days": { "status": "found", "url": "https://www.americanexpress.com/au/credit-cards/qantas-premium-card/", "confirmed": "2026-11-12", "cite_url": "https://www.americanexpress.com/au/credit-cards/qantas-premium-card/#:~:text=Interest%20Free%20Period%20Up%20to%2044%20days", "document_sha256": "00fb36de6110663d6198395e0440b6f529734b2c8f1c26f5b852520f4687e451" }, "kfs_date": { "status": "found", "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Qantas.pdf", "confirmed": "2026-11-12", "cite_url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Qantas.pdf#page=1", "page": 1, "document_sha256": "ae907cce785f5689c99b7a1c6335694d27867439a8582ff14f5b55d286b4595d" }, "min_credit_limit": { "status": "found", "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Qantas.pdf", "confirmed": "2026-11-12", "cite_url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Qantas.pdf#page=1", "page": 1, "document_sha256": "ae907cce785f5689c99b7a1c6335694d27867439a8582ff14f5b55d286b4595d" }, "late_payment_fee": { "status": "found", "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Qantas.pdf", "confirmed": "2026-11-12", "cite_url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Qantas.pdf#page=1", "page": 1, "document_sha256": "ae907cce785f5689c99b7a1c6335694d27867439a8582ff14f5b55d286b4595d" }, "cash_advance": { "status": "found", "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Qantas.pdf", "confirmed": "2026-11-12", "cite_url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Qantas.pdf#page=1", "page": 1, "document_sha256": "ae907cce785f5689c99b7a1c6335694d27867439a8582ff14f5b55d286b4595d" }, "issuer.foreign_transaction_fee": { "status": "found", "url": "https://www.americanexpress.com/au/credit-cards/about-credit-cards/fees/", "confirmed": "2026-11-12", "cite_url": "https://www.americanexpress.com/au/credit-cards/about-credit-cards/fees/#:~:text=Currency%20Conversion%20Fee%20Effective%20from,3.5%25%20of%20the%20converted%20amount", "document_sha256": "e8b498ee2e62259b19444a73450d9f4112d286b6bae0798bd6fa020ea6675275" }, "issuer.late_payment_fee_charge_cards": { "status": "found", "url": "https://www.americanexpress.com/au/credit-cards/about-credit-cards/fees/", "confirmed": "2026-11-12", "cite_url": "https://www.americanexpress.com/au/credit-cards/about-credit-cards/fees/#:~:text=Late%20Payment%20Fee%20%2430%20Three,charged%20on%20any%20overdue%20amount.", "document_sha256": "e8b498ee2e62259b19444a73450d9f4112d286b6bae0798bd6fa020ea6675275" } } }, "balance_transfer": null }, { "rank": 131, "brand": "American Express Australia Limited", "brand_label": "American Express", "brand_slug": "american-express", "product_id": "amex-explorer", "product_name": "The American Express Explorer Credit Card", "product_label": "Explorer Credit Card", "page": "/au/finance/credit-cards/cards/american-express/explorer-credit-card/", "product_url": "https://www.americanexpress.com/au/credit-cards/explorer-credit-card/", "terms_url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/Credit_Card_Conditions.pdf", "key_facts_sheet_url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Prop.pdf", "source_snapshot": null, "card_type": "credit", "scheme": "amex", "segments": [ "personal" ], "kind": "low_rate", "purchase_rate_pct": 23.99, "purchase_rate_range_pct": null, "no_interest_card": null, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 55, "annual_fee": 395, "fee_period": "annual", "fee_as_stated": 395, "annual_fee_stated": true, "annual_fee_note": null, "first_year_fee_waived": false, "min_credit_limit": 3000, "max_credit_limit": null, "rewards_program": "Membership Rewards", "conditions": [ "read from the issuer's own page and Key Facts Sheet correct as at 2024-04-30, each figure quoted and re-read daily", "cash advances are not offered", "aged 18 or over; Australian citizen, permanent resident or long-term visa holder", "75,000 bonus points for online applications by 27 April 2027 and $4,000 spend in 3 months (plus 25,000 in year two)", "sign-up bonus only for new American Express Card Members" ], "restrictions": [], "source_kind": "document", "record_stale": false, "bank_last_updated": "2026-11-12T02:35:39+00:00", "from_issuer_page": [ { "source": "issuer_document", "fields": [ "annual_fee", "purchase_rate_pct", "interest_free_days", "document_date", "min_credit_limit", "late_payment_fee", "cash_advance_rate_pct", "foreign_transaction_fee_pct" ], "confirmed": "2026-11-12", "url": "https://www.americanexpress.com/au/credit-cards/explorer-credit-card/#:~:text=Interest%20Rate%2023.99%25%20p.a.%20on%20purchases", "quote": "Interest Rate 23.99% p.a. on purchases" } ], "document_date": "2024-04-30", "checked": { "at": "2026-11-12T02:35:39+00:00", "quotes": { "annual_fee": { "status": "found", "url": "https://www.americanexpress.com/au/credit-cards/explorer-credit-card/", "confirmed": "2026-11-12", "cite_url": "https://www.americanexpress.com/au/credit-cards/explorer-credit-card/#:~:text=Annual%20Fee%20%24395%20p.a.", "document_sha256": "b3669e60ab4c91d4d6bc29a581b08bb2ab8141afeb55391a6808c0dfce71b25c" }, "purchase_rate": { "status": "found", "url": "https://www.americanexpress.com/au/credit-cards/explorer-credit-card/", "confirmed": "2026-11-12", "cite_url": "https://www.americanexpress.com/au/credit-cards/explorer-credit-card/#:~:text=Interest%20Rate%2023.99%25%20p.a.%20on%20purchases", "document_sha256": "b3669e60ab4c91d4d6bc29a581b08bb2ab8141afeb55391a6808c0dfce71b25c" }, "interest_free_days": { "status": "found", "url": "https://www.americanexpress.com/au/credit-cards/explorer-credit-card/", "confirmed": "2026-11-12", "cite_url": "https://www.americanexpress.com/au/credit-cards/explorer-credit-card/#:~:text=Interest%20Free%20Period%20Up%20to%2055%20days", "document_sha256": "b3669e60ab4c91d4d6bc29a581b08bb2ab8141afeb55391a6808c0dfce71b25c" }, "kfs_date": { "status": "found", "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Prop.pdf", "confirmed": "2026-11-12", "cite_url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Prop.pdf#page=1", "page": 1, "document_sha256": "e754f00b49f5e80fe840e7e9734cbbfa06e4df668bcb76d3d9fec56d84b9e8eb" }, "min_credit_limit": { "status": "found", "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Prop.pdf", "confirmed": "2026-11-12", "cite_url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Prop.pdf#page=1", "page": 1, "document_sha256": "e754f00b49f5e80fe840e7e9734cbbfa06e4df668bcb76d3d9fec56d84b9e8eb" }, "late_payment_fee": { "status": "found", "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Prop.pdf", "confirmed": "2026-11-12", "cite_url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Prop.pdf#page=1", "page": 1, "document_sha256": "e754f00b49f5e80fe840e7e9734cbbfa06e4df668bcb76d3d9fec56d84b9e8eb" }, "cash_advance": { "status": "found", "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Prop.pdf", "confirmed": "2026-11-12", "cite_url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Prop.pdf#page=1", "page": 1, "document_sha256": "e754f00b49f5e80fe840e7e9734cbbfa06e4df668bcb76d3d9fec56d84b9e8eb" }, "issuer.foreign_transaction_fee": { "status": "found", "url": "https://www.americanexpress.com/au/credit-cards/about-credit-cards/fees/", "confirmed": "2026-11-12", "cite_url": "https://www.americanexpress.com/au/credit-cards/about-credit-cards/fees/#:~:text=Currency%20Conversion%20Fee%20Effective%20from,3.5%25%20of%20the%20converted%20amount", "document_sha256": "e8b498ee2e62259b19444a73450d9f4112d286b6bae0798bd6fa020ea6675275" }, "issuer.late_payment_fee_charge_cards": { "status": "found", "url": "https://www.americanexpress.com/au/credit-cards/about-credit-cards/fees/", "confirmed": "2026-11-12", "cite_url": "https://www.americanexpress.com/au/credit-cards/about-credit-cards/fees/#:~:text=Late%20Payment%20Fee%20%2430%20Three,charged%20on%20any%20overdue%20amount.", "document_sha256": "e8b498ee2e62259b19444a73450d9f4112d286b6bae0798bd6fa020ea6675275" } } }, "balance_transfer": null }, { "rank": 132, "brand": "American Express Australia Limited", "brand_label": "American Express", "brand_slug": "american-express", "product_id": "amex-velocity-platinum", "product_name": "The American Express Velocity Platinum Card", "product_label": "Velocity Platinum Card", "page": "/au/finance/credit-cards/cards/american-express/velocity-platinum-card/", "product_url": "https://www.americanexpress.com/au/credit-cards/velocity-platinum-card/", "terms_url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/Credit_Card_Conditions.pdf", "key_facts_sheet_url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Velocity.pdf", "source_snapshot": null, "card_type": "credit", "scheme": "amex", "segments": [ "personal" ], "kind": "low_rate", "purchase_rate_pct": 23.99, "purchase_rate_range_pct": null, "no_interest_card": null, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 55, "annual_fee": 440, "fee_period": "annual", "fee_as_stated": 440, "annual_fee_stated": true, "annual_fee_note": null, "first_year_fee_waived": false, "min_credit_limit": 3000, "max_credit_limit": null, "rewards_program": "Velocity Frequent Flyer", "conditions": [ "read from the issuer's own page and Key Facts Sheet correct as at 2024-11-06, each figure quoted and re-read daily", "cash advances are not offered", "aged 18 or over; Australian citizen, permanent resident or long-term visa holder" ], "restrictions": [], "source_kind": "document", "record_stale": false, "bank_last_updated": "2026-11-12T02:35:39+00:00", "from_issuer_page": [ { "source": "issuer_document", "fields": [ "annual_fee", "purchase_rate_pct", "interest_free_days", "document_date", "min_credit_limit", "late_payment_fee", "cash_advance_rate_pct", "foreign_transaction_fee_pct" ], "confirmed": "2026-11-12", "url": "https://www.americanexpress.com/au/credit-cards/velocity-platinum-card/#:~:text=Interest%20Rate%2023.99%25%20p.a.%20on%20purchases", "quote": "Interest Rate 23.99% p.a. on purchases" } ], "document_date": "2024-11-06", "checked": { "at": "2026-11-12T02:35:39+00:00", "quotes": { "annual_fee": { "status": "found", "url": "https://www.americanexpress.com/au/credit-cards/velocity-platinum-card/", "confirmed": "2026-11-12", "cite_url": "https://www.americanexpress.com/au/credit-cards/velocity-platinum-card/#:~:text=Annual%20Fee%20%24440%20p.a.", "document_sha256": "a60786d48b7484f6bdf100686e686adba70cfece376953e2b71383fb2b5150e7" }, "purchase_rate": { "status": "found", "url": "https://www.americanexpress.com/au/credit-cards/velocity-platinum-card/", "confirmed": "2026-11-12", "cite_url": "https://www.americanexpress.com/au/credit-cards/velocity-platinum-card/#:~:text=Interest%20Rate%2023.99%25%20p.a.%20on%20purchases", "document_sha256": "a60786d48b7484f6bdf100686e686adba70cfece376953e2b71383fb2b5150e7" }, "interest_free_days": { "status": "found", "url": "https://www.americanexpress.com/au/credit-cards/velocity-platinum-card/", "confirmed": "2026-11-12", "cite_url": "https://www.americanexpress.com/au/credit-cards/velocity-platinum-card/#:~:text=Interest%20Free%20Period%20Up%20to%2055%20days", "document_sha256": "a60786d48b7484f6bdf100686e686adba70cfece376953e2b71383fb2b5150e7" }, "kfs_date": { "status": "found", "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Velocity.pdf", "confirmed": "2026-11-12", "cite_url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Velocity.pdf#page=1", "page": 1, "document_sha256": "4cd3daa69d25a16a33316f4323137e2b93cdab292c4f4a367c35921bb37800ab" }, "min_credit_limit": { "status": "found", "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Velocity.pdf", "confirmed": "2026-11-12", "cite_url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Velocity.pdf#page=1", "page": 1, "document_sha256": "4cd3daa69d25a16a33316f4323137e2b93cdab292c4f4a367c35921bb37800ab" }, "late_payment_fee": { "status": "found", "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Velocity.pdf", "confirmed": "2026-11-12", "cite_url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Velocity.pdf#page=1", "page": 1, "document_sha256": "4cd3daa69d25a16a33316f4323137e2b93cdab292c4f4a367c35921bb37800ab" }, "cash_advance": { "status": "found", "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Velocity.pdf", "confirmed": "2026-11-12", "cite_url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Velocity.pdf#page=1", "page": 1, "document_sha256": "4cd3daa69d25a16a33316f4323137e2b93cdab292c4f4a367c35921bb37800ab" }, "issuer.foreign_transaction_fee": { "status": "found", "url": "https://www.americanexpress.com/au/credit-cards/about-credit-cards/fees/", "confirmed": "2026-11-12", "cite_url": "https://www.americanexpress.com/au/credit-cards/about-credit-cards/fees/#:~:text=Currency%20Conversion%20Fee%20Effective%20from,3.5%25%20of%20the%20converted%20amount", "document_sha256": "e8b498ee2e62259b19444a73450d9f4112d286b6bae0798bd6fa020ea6675275" }, "issuer.late_payment_fee_charge_cards": { "status": "found", "url": "https://www.americanexpress.com/au/credit-cards/about-credit-cards/fees/", "confirmed": "2026-11-12", "cite_url": "https://www.americanexpress.com/au/credit-cards/about-credit-cards/fees/#:~:text=Late%20Payment%20Fee%20%2430%20Three,charged%20on%20any%20overdue%20amount.", "document_sha256": "e8b498ee2e62259b19444a73450d9f4112d286b6bae0798bd6fa020ea6675275" } } }, "balance_transfer": null }, { "rank": 133, "brand": "American Express Australia Limited", "brand_label": "American Express", "brand_slug": "american-express", "product_id": "amex-qantas-ultimate", "product_name": "The Qantas American Express Ultimate Card", "product_label": "Qantas Ultimate Card", "page": "/au/finance/credit-cards/cards/american-express/qantas-ultimate-card/", "product_url": "https://www.americanexpress.com/au/credit-cards/qantas-ultimate-card/", "terms_url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/Credit_Card_Conditions.pdf", "key_facts_sheet_url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Qantas.pdf", "source_snapshot": null, "card_type": "credit", "scheme": "amex", "segments": [ "personal" ], "kind": "low_rate", "purchase_rate_pct": 23.99, "purchase_rate_range_pct": null, "no_interest_card": null, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 44, "annual_fee": 450, "fee_period": "annual", "fee_as_stated": 450, "annual_fee_stated": true, "annual_fee_note": null, "first_year_fee_waived": false, "min_credit_limit": 3000, "max_credit_limit": null, "rewards_program": "Qantas Frequent Flyer", "conditions": [ "read from the issuer's own page and Key Facts Sheet correct as at 2023-05-03, each figure quoted and re-read daily", "cash advances are not offered", "aged 18 or over; Australian citizen, permanent resident or long-term visa holder", "everyday earn drops from 1.25 to 1 Qantas Point per $1 after 100,000 points in a calendar year", "70,000 bonus Qantas Points for online applications by 17 November 2026 and $5,000 spend in 3 months", "sign-up bonus only for new American Express Card Members" ], "restrictions": [], "source_kind": "document", "record_stale": false, "bank_last_updated": "2026-11-12T02:35:39+00:00", "from_issuer_page": [ { "source": "issuer_document", "fields": [ "annual_fee", "purchase_rate_pct", "interest_free_days", "document_date", "min_credit_limit", "late_payment_fee", "cash_advance_rate_pct", "foreign_transaction_fee_pct" ], "confirmed": "2026-11-12", "url": "https://www.americanexpress.com/au/credit-cards/qantas-ultimate-card/#:~:text=Interest%20Rate%2023.99%25%20p.a.", "quote": "Interest Rate 23.99% p.a." } ], "document_date": "2023-05-03", "checked": { "at": "2026-11-12T02:35:39+00:00", "quotes": { "annual_fee": { "status": "found", "url": "https://www.americanexpress.com/au/credit-cards/qantas-ultimate-card/", "confirmed": "2026-11-12", "cite_url": "https://www.americanexpress.com/au/credit-cards/qantas-ultimate-card/#:~:text=Annual%20Fee%20%24450%20p.a.", "document_sha256": "2765044c1266e312b5212975243d81a911553bc0cbfc71912dd6d031cc9e4ba5" }, "purchase_rate": { "status": "found", "url": "https://www.americanexpress.com/au/credit-cards/qantas-ultimate-card/", "confirmed": "2026-11-12", "cite_url": "https://www.americanexpress.com/au/credit-cards/qantas-ultimate-card/#:~:text=Interest%20Rate%2023.99%25%20p.a.", "document_sha256": "2765044c1266e312b5212975243d81a911553bc0cbfc71912dd6d031cc9e4ba5" }, "interest_free_days": { "status": "found", "url": "https://www.americanexpress.com/au/credit-cards/qantas-ultimate-card/", "confirmed": "2026-11-12", "cite_url": "https://www.americanexpress.com/au/credit-cards/qantas-ultimate-card/#:~:text=Interest%20Free%20Period%20Up%20to%2044%20days", "document_sha256": "2765044c1266e312b5212975243d81a911553bc0cbfc71912dd6d031cc9e4ba5" }, "kfs_date": { "status": "found", "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Qantas.pdf", "confirmed": "2026-11-12", "cite_url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Qantas.pdf#page=1", "page": 1, "document_sha256": "ae907cce785f5689c99b7a1c6335694d27867439a8582ff14f5b55d286b4595d" }, "min_credit_limit": { "status": "found", "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Qantas.pdf", "confirmed": "2026-11-12", "cite_url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Qantas.pdf#page=1", "page": 1, "document_sha256": "ae907cce785f5689c99b7a1c6335694d27867439a8582ff14f5b55d286b4595d" }, "late_payment_fee": { "status": "found", "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Qantas.pdf", "confirmed": "2026-11-12", "cite_url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Qantas.pdf#page=1", "page": 1, "document_sha256": "ae907cce785f5689c99b7a1c6335694d27867439a8582ff14f5b55d286b4595d" }, "cash_advance": { "status": "found", "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Qantas.pdf", "confirmed": "2026-11-12", "cite_url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Qantas.pdf#page=1", "page": 1, "document_sha256": "ae907cce785f5689c99b7a1c6335694d27867439a8582ff14f5b55d286b4595d" }, "issuer.foreign_transaction_fee": { "status": "found", "url": "https://www.americanexpress.com/au/credit-cards/about-credit-cards/fees/", "confirmed": "2026-11-12", "cite_url": "https://www.americanexpress.com/au/credit-cards/about-credit-cards/fees/#:~:text=Currency%20Conversion%20Fee%20Effective%20from,3.5%25%20of%20the%20converted%20amount", "document_sha256": "e8b498ee2e62259b19444a73450d9f4112d286b6bae0798bd6fa020ea6675275" }, "issuer.late_payment_fee_charge_cards": { "status": "found", "url": "https://www.americanexpress.com/au/credit-cards/about-credit-cards/fees/", "confirmed": "2026-11-12", "cite_url": "https://www.americanexpress.com/au/credit-cards/about-credit-cards/fees/#:~:text=Late%20Payment%20Fee%20%2430%20Three,charged%20on%20any%20overdue%20amount.", "document_sha256": "e8b498ee2e62259b19444a73450d9f4112d286b6bae0798bd6fa020ea6675275" } } }, "balance_transfer": null } ], "cards_hidden": [ { "rank": 5, "brand": "Police Credit Union Ltd", "brand_label": "Police Credit Union", "brand_slug": "police-credit-union-ltd", "product_id": "SoLo_Credit_Card", "product_name": "SoLo Credit Card", "product_label": "SoLo Credit Card", "page": "/au/finance/credit-cards/cards/police-credit-union-ltd/solo-credit-card/", "product_url": "https://www.policecu.com.au/product-type/credit-cards/", "terms_url": "https://www.policecu.com.au/PCUDocuments/Terms_and_Conditions_Credit_Card.pdf", "key_facts_sheet_url": "https://www.policecu.com.au/PCUDocuments/Credit_Card_Key_Fact_Sheet.pdf", "source_snapshot": "/au/finance/credit-cards/v1/source/police-credit-union-ltd/SoLo_Credit_Card.json", "card_type": "credit", "scheme": null, "segments": [ "personal" ], "kind": "low_rate", "purchase_rate_pct": 8.74, "purchase_rate_range_pct": null, "no_interest_card": null, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 0, "annual_fee": 0, "fee_period": "annual", "fee_as_stated": 0, "annual_fee_stated": true, "annual_fee_note": null, "first_year_fee_waived": false, "min_credit_limit": 1000.0, "max_credit_limit": 10000, "rewards_program": null, "conditions": [ "corrected from the bank's own page: only current and former Police Credit Union personal loan and home loan borrowers may apply; no annual fee, no interest-free period and limits of $1,000 to $10,000, per the credit union's rate schedule on 2026-10-24; 8.74% on purchases, unchanged in the rate schedule as at 1 November 2026 (checked 2026-10-30)", "late payment fee $15 at 21 days in arrears and $25 at 35 days" ], "restrictions": [ "limited_eligibility" ], "source_kind": "feed", "record_stale": false, "bank_last_updated": "2026-04-27T11:33:53.000+09:30", "from_issuer_page": [ { "source": "correction", "fields": [ "annual_fee", "interest_free_days", "max_credit_limit", "restrictions" ], "confirmed": "2026-11-12", "url": "https://www.policecu.com.au/PCUDocuments/LOC_Credit_Cards_Interest_Rates.pdf#page=1", "quote": "Only current and former PCU personal loan / home loan borrowers are eligible for SoLo" } ], "balance_transfer": null }, { "rank": 10, "brand": "Bank of us", "brand_label": "Bank of us", "brand_slug": "bank-of-us", "product_id": "Visa_Credit_Card", "product_name": "Visa Credit Card", "product_label": "Visa Credit Card", "page": "/au/finance/credit-cards/cards/bank-of-us/visa-credit-card/", "product_url": "https://bankofus.com.au/cards", "terms_url": "https://bankofus.com.au/source-assets/documents/compliance/61525-Bank-of-Us-Conditions-of-Use-Visa-Credit-Credit-Card-36PP-Cover1Dec2020.pdf", "key_facts_sheet_url": "https://bankofus.com.au/source-assets/documents/compliance/Credit-Card-Key-Fact-Sheet_15.02.2022.pdf", "source_snapshot": "/au/finance/credit-cards/v1/source/bank-of-us/Visa_Credit_Card.json", "card_type": "credit", "scheme": "visa", "segments": [ "personal" ], "kind": "low_rate", "purchase_rate_pct": 9.99, "purchase_rate_range_pct": null, "no_interest_card": null, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 58, "annual_fee": 39.0, "fee_period": "annual", "fee_as_stated": 39.0, "annual_fee_stated": true, "annual_fee_note": null, "first_year_fee_waived": false, "min_credit_limit": 500.0, "max_credit_limit": 50000.0, "rewards_program": null, "conditions": [ "corrected from the bank's own page: new customers must be existing Tasmanian residents, per the bank's cards page on 2026-10-24; 9.99% on purchases per the bank's rates page (checked 2026-10-30)", "credit limit $500 to $50,000", "$20 late payment fee", "$5 fee for a cash advance at an overseas ATM" ], "restrictions": [ "limited_eligibility" ], "source_kind": "feed", "record_stale": false, "bank_last_updated": "2026-04-13T22:42:12.000+10:00", "from_issuer_page": [ { "source": "correction", "fields": [ "restrictions" ], "confirmed": "2026-11-12", "url": "https://bankofus.com.au/cards#:~:text=we%20can%27t%20offer%20this%20product,are%20not%20existing%20Tasmanian%20residents", "quote": "we can't offer this product to new customers who are not existing Tasmanian residents" } ], "balance_transfer": null }, { "rank": 17, "brand": "Police Bank", "brand_label": "Police Bank", "brand_slug": "police-bank", "product_id": "4b04816d-c585-4702-88f8-19f928de57a0", "product_name": "Police Student Credit Card", "product_label": "Student Credit Card", "page": "/au/finance/credit-cards/cards/police-bank/student-credit-card/", "product_url": "https://www.policebank.com.au/academy", "terms_url": null, "key_facts_sheet_url": null, "source_snapshot": "/au/finance/credit-cards/v1/source/police-bank/4b04816d-c585-4702-88f8-19f928de57a0.json", "card_type": "credit", "scheme": "visa", "segments": [ "personal" ], "kind": "low_rate", "purchase_rate_pct": 10.76, "purchase_rate_range_pct": null, "no_interest_card": null, "intro_purchase_rate_pct": 0.0, "intro_purchase_months": 3, "interest_free_days": 55, "annual_fee": 30.0, "fee_period": "annual", "fee_as_stated": 30.0, "annual_fee_stated": true, "annual_fee_note": null, "first_year_fee_waived": false, "min_credit_limit": null, "max_credit_limit": null, "rewards_program": null, "conditions": [ "0.00% on purchases for the first 3 months, then the purchase rate", "a student card", "student: An active student at the Tasmania Rokeby Academy, or at session 2 of the NSW Goulburn Academy, or have graduated from either Academy within the last 6…", "$30 annual fee waived in the first year", "credit limit $500 to $1,500", "no interest and no repayments for the first 3 months" ], "restrictions": [ "student" ], "source_kind": "feed", "record_stale": false, "bank_last_updated": "2026-07-28T22:48:33.717Z", "from_issuer_page": null, "balance_transfer": null }, { "rank": 19, "brand": "Credit Union SA", "brand_label": "Credit Union SA", "brand_slug": "credit-union-sa", "product_id": "CREDITUNIONSA_OD_550", "product_name": "Education Community Credit Card", "product_label": "Education Community Credit Card", "page": "/au/finance/credit-cards/cards/credit-union-sa/education-community-credit-card/", "product_url": "https://www.creditunionsa.com.au/cards/education-community-credit-card/", "terms_url": "https://cms.creditunionsa.com.au/assets/documents/BRC-1025-Visa-Credit-Card-Terms-and-Conditions.pdf", "key_facts_sheet_url": "https://cms.creditunionsa.com.au/assets/documents/BRC_1006-Visa-Credit-Card-Key-Fact-Sheets.pdf", "source_snapshot": "/au/finance/credit-cards/v1/source/credit-union-sa/CREDITUNIONSA_OD_550.json", "card_type": "credit", "scheme": "visa", "segments": [ "personal" ], "kind": "low_rate", "purchase_rate_pct": 11.49, "purchase_rate_range_pct": null, "no_interest_card": null, "intro_purchase_rate_pct": 0.0, "intro_purchase_months": 6, "interest_free_days": null, "annual_fee": 0.0, "fee_period": "annual", "fee_as_stated": 0.0, "annual_fee_stated": true, "annual_fee_note": "the feed states the fee as $0 with the words: Annual fee is waived for any employee of the education community and students carrying out studies in education.", "first_year_fee_waived": false, "min_credit_limit": 1000.0, "max_credit_limit": 20000.0, "rewards_program": null, "conditions": [ "0.00% on purchases for the first 6 months, then the purchase rate", "the feed states the fee as $0 with the words: Annual fee is waived for any employee of the education community and students carrying out studies in education.", "credit limit $1,000 to $20,000", "Knowledge Counts Banking Benefits members and students carrying out studies in education and eligible family members (these are parents, children, grandparents…", "the 0% introductory rate for 6 months also covers balance transfers and cash advances, not only purchases", "for current or former employees of the South Australian education community and education students (and immediate family)" ], "restrictions": [ "occupation_membership" ], "source_kind": "feed", "record_stale": false, "bank_last_updated": "2026-06-29T00:00:00.000+10:00", "from_issuer_page": [ { "source": "watched_term", "fields": [ "restrictions" ], "confirmed": "2026-11-12", "url": "https://www.creditunionsa.com.au/cards/education-community-credit-card/#:~:text=This%20offer%20is%20exclusive%20to,their%20eligible%20immediate%20family%20members.", "quote": "This offer is exclusive to current or former employees of the South Australian education community, students carrying out studies in education, and their eligible immediate family members." } ], "balance_transfer": null }, { "rank": 20, "brand": "Credit Union SA", "brand_label": "Credit Union SA", "brand_slug": "credit-union-sa", "product_id": "CREDITUNIONSA_OD_570", "product_name": "Workplace Benefits Credit Card", "product_label": "Workplace Benefits Credit Card", "page": "/au/finance/credit-cards/cards/credit-union-sa/workplace-benefits-credit-card/", "product_url": "https://www.creditunionsa.com.au/cards/workplace-benefits-credit-card/", "terms_url": "https://cms.creditunionsa.com.au/assets/documents/BRC-1025-Visa-Credit-Card-Terms-and-Conditions.pdf", "key_facts_sheet_url": "https://cms.creditunionsa.com.au/assets/documents/BRC_1006-Visa-Credit-Card-Key-Fact-Sheets.pdf", "source_snapshot": "/au/finance/credit-cards/v1/source/credit-union-sa/CREDITUNIONSA_OD_570.json", "card_type": "credit", "scheme": "visa", "segments": [ "personal" ], "kind": "low_rate", "purchase_rate_pct": 11.49, "purchase_rate_range_pct": null, "no_interest_card": null, "intro_purchase_rate_pct": 0.0, "intro_purchase_months": 6, "interest_free_days": null, "annual_fee": 0.0, "fee_period": "annual", "fee_as_stated": 0.0, "annual_fee_stated": true, "annual_fee_note": "the feed states the fee as $0 with the words: Annual fee is waived for any Workplace Banking Benefits member.", "first_year_fee_waived": false, "min_credit_limit": 1000.0, "max_credit_limit": 20000.0, "rewards_program": null, "conditions": [ "0.00% on purchases for the first 6 months, then the purchase rate", "the feed states the fee as $0 with the words: Annual fee is waived for any Workplace Banking Benefits member.", "credit limit $1,000 to $20,000", "Workplace Banking Benefits are available to any qualifying members. Refer to the website for more info.", "the 0% introductory rate for 6 months also covers balance transfers and cash advances, not only purchases", "only for employees of the companies on the Community Partnerships and Workplace Banking list" ], "restrictions": [ "occupation_membership" ], "source_kind": "feed", "record_stale": false, "bank_last_updated": "2026-06-29T00:00:00.000+10:00", "from_issuer_page": [ { "source": "watched_term", "fields": [ "restrictions" ], "confirmed": "2026-11-12", "url": "https://www.creditunionsa.com.au/cards/workplace-benefits-credit-card/#:~:text=These%20offers%20are%20available%20to,Partnerships%20and%20Workplace%20Banking%20page.", "quote": "These offers are available to any employee at any of the companies listed on the Community Partnerships and Workplace Banking page." } ], "balance_transfer": null }, { "rank": 22, "brand": "Australian Mutual Bank LTD", "brand_label": "Australian Mutual Bank", "brand_slug": "australian-mutual-bank-ltd", "product_id": "c61cd5c4-1e71-11f1-8077-325096b39f47", "product_name": "Credit Card", "product_label": "Credit Card", "page": "/au/finance/credit-cards/cards/australian-mutual-bank-ltd/credit-card/", "product_url": "https://australianmutual.bank/cards/credit-card/", "terms_url": "https://australianmutual.bank/reusable-documents/disclosure-documents/tmbl-disclosures/credit-card-terms-and-conditions/", "key_facts_sheet_url": "https://australianmutual.bank/reusable-documents/key-fact-sheets/credit-card-key-fact-sheet-tmbl/", "source_snapshot": "/au/finance/credit-cards/v1/source/australian-mutual-bank-ltd/c61cd5c4-1e71-11f1-8077-325096b39f47.json", "card_type": "credit", "scheme": "visa", "segments": [ "personal" ], "kind": "low_rate", "purchase_rate_pct": 11.5, "purchase_rate_range_pct": null, "no_interest_card": null, "intro_purchase_rate_pct": 7.9, "intro_purchase_months": 6, "interest_free_days": 55, "annual_fee": null, "fee_period": null, "fee_as_stated": null, "annual_fee_stated": false, "annual_fee_note": "the feed lists no annual or monthly card fee, so none is claimed", "first_year_fee_waived": false, "min_credit_limit": 1000.0, "max_credit_limit": 25000.0, "rewards_program": null, "conditions": [ "7.90% on purchases for the first 6 months, then the purchase rate", "7.90% on balance transfers for 6 months, then 11.50% (the balance transfer rate)", "credit limit $1,000 to $25,000", "Membership limited to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of the Bank (the lender's words)", "You must be a member. Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of…", "All applications for credit are subject to responsible lending criteria. Fees and charges apply. You can find our Credit Card terms and conditions online or fr…" ], "restrictions": [ "occupation_membership" ], "source_kind": "feed", "record_stale": false, "bank_last_updated": "2026-09-09T15:14:27.000+10:00", "from_issuer_page": null, "balance_transfer": { "promo_rate_pct": 7.9, "promo_months": 6, "fee_pct": null, "revert_rate_pct": 11.5, "revert_to": "balance_transfer" } }, { "rank": 23, "brand": "Firefighters Mutual Bank", "brand_label": "Firefighters Mutual Bank", "brand_slug": "firefighters-mutual-bank", "product_id": "5d479361-d2b4-42e6-83d4-7e5a2d7dcde5", "product_name": "Credit Card", "product_label": "Credit Card", "page": "/au/finance/credit-cards/cards/firefighters-mutual-bank/credit-card/", "product_url": "https://www.fmbank.com.au/banking/credit-card", "terms_url": "https://www.fmbank.com.au/content/dam/documents/collateral/credit-card-terms-and-conditions.pdf", "key_facts_sheet_url": "https://www.fmbank.com.au/content/dam/documents/factsheets/cc-fact-sheet-tmb.pdf", "source_snapshot": "/au/finance/credit-cards/v1/source/firefighters-mutual-bank/5d479361-d2b4-42e6-83d4-7e5a2d7dcde5.json", "card_type": "credit", "scheme": "visa", "segments": [ "personal" ], "kind": "low_rate", "purchase_rate_pct": 11.5, "purchase_rate_range_pct": null, "no_interest_card": null, "intro_purchase_rate_pct": 7.9, "intro_purchase_months": 6, "interest_free_days": 55, "annual_fee": null, "fee_period": null, "fee_as_stated": null, "annual_fee_stated": false, "annual_fee_note": "the feed lists no annual or monthly card fee, so none is claimed", "first_year_fee_waived": false, "min_credit_limit": 1000.0, "max_credit_limit": 25000.0, "rewards_program": null, "conditions": [ "7.90% on purchases for the first 6 months, then the purchase rate", "7.90% on balance transfers for 6 months, then 11.50% (the balance transfer rate)", "credit limit $1,000 to $25,000", "Membership limited to citizens or permanent residents of Australia who are current or retired employees or volunteers in the Australian emergency services sector or are family members of members (i.e. shareholders) of the… (the lender's words)", "You must be a member. Membership is open to citizens or permanent residents of Australia who are current or retired employees or volunteers in the Australian e…", "All applications for credit are subject to responsible lending criteria. Fees and charges apply. You can find our Credit Card terms and conditions online or fr…" ], "restrictions": [ "occupation_membership" ], "source_kind": "feed", "record_stale": false, "bank_last_updated": "2026-09-09T15:09:04.000+10:00", "from_issuer_page": null, "balance_transfer": { "promo_rate_pct": 7.9, "promo_months": 6, "fee_pct": null, "revert_rate_pct": 11.5, "revert_to": "balance_transfer" } }, { "rank": 24, "brand": "Health Professionals Bank", "brand_label": "Health Professionals Bank", "brand_slug": "health-professionals-bank", "product_id": "a6b1d3e9-de46-421f-a05e-84e40d3238d9", "product_name": "Credit Card", "product_label": "Credit Card", "page": "/au/finance/credit-cards/cards/health-professionals-bank/credit-card/", "product_url": "https://www.hpbank.com.au/banking/credit-card", "terms_url": "https://www.hpbank.com.au/content/dam/documents/collateral/credit-card-terms-and-conditions.pdf", "key_facts_sheet_url": "https://www.hpbank.com.au/content/dam/documents/factsheets/cc-fact-sheet-tmb.pdf", "source_snapshot": "/au/finance/credit-cards/v1/source/health-professionals-bank/a6b1d3e9-de46-421f-a05e-84e40d3238d9.json", "card_type": "credit", "scheme": "visa", "segments": [ "personal" ], "kind": "low_rate", "purchase_rate_pct": 11.5, "purchase_rate_range_pct": null, "no_interest_card": null, "intro_purchase_rate_pct": 7.9, "intro_purchase_months": 6, "interest_free_days": 55, "annual_fee": null, "fee_period": null, "fee_as_stated": null, "annual_fee_stated": false, "annual_fee_note": "the feed lists no annual or monthly card fee, so none is claimed", "first_year_fee_waived": false, "min_credit_limit": 1000.0, "max_credit_limit": 25000.0, "rewards_program": null, "conditions": [ "7.90% on purchases for the first 6 months, then the purchase rate", "7.90% on balance transfers for 6 months, then 11.50% (the balance transfer rate)", "credit limit $1,000 to $25,000", "Membership limited to citizens or permanent residents of Australia who are current or retired employees in the Australian health sector or are family members of members (i.e. shareholders) of the Bank (the lender's words)", "You must be a member. Membership is open to citizens or permanent residents of Australia who are current or retired employees in the Australian health sector o…", "All applications for credit are subject to responsible lending criteria. Fees and charges apply. You can find our Credit Card terms and conditions online or fr…" ], "restrictions": [ "occupation_membership" ], "source_kind": "feed", "record_stale": false, "bank_last_updated": "2026-09-09T15:07:02.000+10:00", "from_issuer_page": null, "balance_transfer": { "promo_rate_pct": 7.9, "promo_months": 6, "fee_pct": null, "revert_rate_pct": 11.5, "revert_to": "balance_transfer" } }, { "rank": 25, "brand": "Teachers Mutual Bank", "brand_label": "Teachers Mutual Bank", "brand_slug": "teachers-mutual-bank", "product_id": "5aee7d43-7685-43c7-849b-d1cdba21c895", "product_name": "Credit Card", "product_label": "Credit Card", "page": "/au/finance/credit-cards/cards/teachers-mutual-bank/credit-card/", "product_url": "https://www.tmbank.com.au/banking/credit-card", "terms_url": "https://www.tmbank.com.au/content/dam/documents/collateral/credit-card-terms-and-conditions.pdf", "key_facts_sheet_url": "https://www.tmbank.com.au/content/dam/documents/factsheets/cc-fact-sheet-tmb.pdf", "source_snapshot": "/au/finance/credit-cards/v1/source/teachers-mutual-bank/5aee7d43-7685-43c7-849b-d1cdba21c895.json", "card_type": "credit", "scheme": "visa", "segments": [ "personal" ], "kind": "low_rate", "purchase_rate_pct": 11.5, "purchase_rate_range_pct": null, "no_interest_card": null, "intro_purchase_rate_pct": 7.9, "intro_purchase_months": 6, "interest_free_days": 55, "annual_fee": null, "fee_period": null, "fee_as_stated": null, "annual_fee_stated": false, "annual_fee_note": "the feed lists no annual or monthly card fee, so none is claimed", "first_year_fee_waived": false, "min_credit_limit": 1000.0, "max_credit_limit": 25000.0, "rewards_program": null, "conditions": [ "7.90% on purchases for the first 6 months, then the purchase rate", "7.90% on balance transfers for 6 months, then 11.50% (the balance transfer rate)", "credit limit $1,000 to $25,000", "Membership limited to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of the Bank (the lender's words)", "You must be a member. Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of…", "All applications for credit are subject to responsible lending criteria. Fees and charges apply. You can find our Credit Card terms and conditions online or fr…" ], "restrictions": [ "occupation_membership" ], "source_kind": "feed", "record_stale": false, "bank_last_updated": "2026-09-09T15:13:03.000+10:00", "from_issuer_page": null, "balance_transfer": { "promo_rate_pct": 7.9, "promo_months": 6, "fee_pct": null, "revert_rate_pct": 11.5, "revert_to": "balance_transfer" } }, { "rank": 26, "brand": "UniBank", "brand_label": "UniBank", "brand_slug": "unibank", "product_id": "43087eca-5a54-4c91-81c3-9849af36008d", "product_name": "Credit Card", "product_label": "Credit Card", "page": "/au/finance/credit-cards/cards/unibank/credit-card/", "product_url": "https://www.unibank.com.au/banking/credit-card", "terms_url": "https://www.unibank.com.au/content/dam/documents/collateral/credit-card-terms-and-conditions.pdf", "key_facts_sheet_url": "https://www.unibank.com.au/content/dam/documents/factsheets/cc-fact-sheet-tmb.pdf", "source_snapshot": "/au/finance/credit-cards/v1/source/unibank/43087eca-5a54-4c91-81c3-9849af36008d.json", "card_type": "credit", "scheme": "visa", "segments": [ "personal" ], "kind": "low_rate", "purchase_rate_pct": 11.5, "purchase_rate_range_pct": null, "no_interest_card": null, "intro_purchase_rate_pct": 7.9, "intro_purchase_months": 6, "interest_free_days": 55, "annual_fee": null, "fee_period": null, "fee_as_stated": null, "annual_fee_stated": false, "annual_fee_note": "the feed lists no annual or monthly card fee, so none is claimed", "first_year_fee_waived": false, "min_credit_limit": 1000.0, "max_credit_limit": 25000.0, "rewards_program": null, "conditions": [ "7.90% on purchases for the first 6 months, then the purchase rate", "7.90% on balance transfers for 6 months, then 11.50% (the balance transfer rate)", "credit limit $1,000 to $25,000", "Membership limited to current or retired employees, graduates and post-graduates and current students of an Australian university or family members of members (i.e. shareholders) of the Bank (the lender's words)", "You must be a member. Membership is open to current or retired employees, graduates and post-graduates and current students of an Australian university or fami…", "All applications for credit are subject to responsible lending criteria. Fees and charges apply. You can find our Credit Card terms and conditions online or fr…" ], "restrictions": [ "occupation_membership" ], "source_kind": "feed", "record_stale": false, "bank_last_updated": "2026-09-09T15:10:25.000+10:00", "from_issuer_page": null, "balance_transfer": { "promo_rate_pct": 7.9, "promo_months": 6, "fee_pct": null, "revert_rate_pct": 11.5, "revert_to": "balance_transfer" } }, { "rank": 32, "brand": "RSL Money", "brand_label": "RSL Money", "brand_slug": "rsl-money", "product_id": "9d1bd433-1c09-47dd-8841-a68e1dc715d1", "product_name": "Low Rate Visa Credit Card", "product_label": "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", "key_facts_sheet_url": "https://rslmoney.com.au/api/documents/?theme=RSL&slug=low-rate-visa-credit-card-key-facts-sheet", "source_snapshot": "/au/finance/credit-cards/v1/source/rsl-money/9d1bd433-1c09-47dd-8841-a68e1dc715d1.json", "card_type": "credit", "scheme": "visa", "segments": [ "personal" ], "kind": "low_rate", "purchase_rate_pct": 11.99, "purchase_rate_range_pct": null, "no_interest_card": null, "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, "first_year_fee_waived": false, "min_credit_limit": 2000.0, "max_credit_limit": 50000.0, "rewards_program": 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" ], "restrictions": [ "occupation_membership" ], "source_kind": "feed", "record_stale": false, "bank_last_updated": "2026-09-30T14:00:00.404281Z", "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." } ], "balance_transfer": { "promo_rate_pct": 0.0, "promo_months": 12, "fee_pct": null, "revert_rate_pct": 19.99, "revert_to": "cash_advance" } }, { "rank": 43, "brand": "QBANK", "brand_label": "QBank", "brand_slug": "qbank", "product_id": "S25_Bluey", "product_name": "Bluey Visa Credit Card", "product_label": "Bluey Visa Credit Card", "page": "/au/finance/credit-cards/cards/qbank/bluey-visa-credit-card/", "product_url": "https://www.qbank.com.au/products/credit-cards/bluey-visa-credit-card/", "terms_url": "https://www.qbank.com.au/media/2622/17042025_1237_qbank-bluey-card-conditions-bcc0920-final.pdf", "key_facts_sheet_url": "https://www.qbank.com.au/media/4987/ccfs191026-credit-card-fact-sheet.pdf", "source_snapshot": "/au/finance/credit-cards/v1/source/qbank/S25_Bluey.json", "card_type": "credit", "scheme": "visa", "segments": [ "personal" ], "kind": "low_rate", "purchase_rate_pct": 12.74, "purchase_rate_range_pct": null, "no_interest_card": null, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 55, "annual_fee": 0, "fee_period": "annual", "fee_as_stated": 0, "annual_fee_stated": true, "annual_fee_note": null, "first_year_fee_waived": false, "min_credit_limit": 1000.0, "max_credit_limit": null, "rewards_program": null, "conditions": [ "corrected from the bank's own page: 12.74% on purchases with no introductory purchase rate, no annual fee and 0% on balance transfers for 12 months from the transfer date, per the bank's Credit Card Fact Sheet (correct as at 19 October 2026); the feed's \"12.74% for 12 months\" reads as a misplaced balance transfer period", "12.74% on purchases for the first 12 months, then the purchase rate", "Membership limited to current or former employees of police, ambulance, firies, health workers, emergency services, correctional services and government employees as well as their family members (the lender's words)", "You must be a member. Membership is open to current or former employees of police, ambulance, firies, health workers, emergency services, correctional services…", "All applications for credit are subject to responsible lending criteria. Fees and charges apply. You can find our Credit Card terms and conditions online or fr…", "0% on balance transfers for 12 months from the transfer date" ], "restrictions": [ "occupation_membership" ], "source_kind": "feed", "record_stale": false, "bank_last_updated": "2026-10-19T06:10:22.000+10:00", "from_issuer_page": [ { "source": "correction", "fields": [ "annual_fee", "intro_purchase_rate_pct", "intro_purchase_months", "bt_promo_rate_pct", "bt_promo_months" ], "confirmed": "2026-11-12", "url": "https://www.qbank.com.au/media/4987/ccfs191026-credit-card-fact-sheet.pdf#page=1", "quote": "Balance Transfer Interest Rate 0.00% p.a.* for 12 months from the transfer date" } ], "balance_transfer": { "promo_rate_pct": 0.0, "promo_months": 12, "fee_pct": null, "revert_rate_pct": null, "revert_to": null } }, { "rank": 50, "brand": "Woolworths Team Bank", "brand_label": "Woolworths Team Bank", "brand_slug": "woolworths-team-bank", "product_id": "S90", "product_name": "Visa Credit Card", "product_label": "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", "key_facts_sheet_url": "https://woolworthsteambank.com.au/wp-content/uploads/2025/07/Credit%20Card%20Key%20Facts%202025.07.pdf", "source_snapshot": "/au/finance/credit-cards/v1/source/woolworths-team-bank/S90.json", "card_type": "credit", "scheme": "visa", "segments": [ "personal" ], "kind": "low_rate", "purchase_rate_pct": 13.45, "purchase_rate_range_pct": null, "no_interest_card": null, "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, "first_year_fee_waived": false, "min_credit_limit": 2000, "max_credit_limit": null, "rewards_program": 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" ], "restrictions": [ "occupation_membership" ], "source_kind": "feed", "record_stale": false, "bank_last_updated": "2025-08-26T11:59:05.000+10:00", "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" } ], "balance_transfer": null }, { "rank": 73, "brand": "Macquarie Bank Limited", "brand_label": "Macquarie Bank", "brand_slug": "macquarie-bank-limited", "product_id": "498413VCSLRC", "product_name": "Macquarie Ratesaver Card", "product_label": "Ratesaver Card", "page": "/au/finance/credit-cards/cards/macquarie-bank-limited/ratesaver-card/", "product_url": "https://www.macquarie.com.au/everyday-banking/credit-cards/ratesaver.html", "terms_url": "https://www.macquarie.com.au/assets/bfs/documents/personal-direct/credit-cards/creditcards-conditions-of-use.pdf", "key_facts_sheet_url": "https://www.macquarie.com.au/assets/bfs/applications/digital/credit-cards/documents/macquarie-credit-card-key-facts.pdf", "source_snapshot": "/au/finance/credit-cards/v1/source/macquarie-bank-limited/498413VCSLRC.json", "card_type": "credit", "scheme": "visa", "segments": [ "personal" ], "kind": "low_rate", "purchase_rate_pct": 15.95, "purchase_rate_range_pct": null, "no_interest_card": null, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 55, "annual_fee": 69.0, "fee_period": "annual", "fee_as_stated": 69.0, "annual_fee_stated": true, "annual_fee_note": null, "first_year_fee_waived": false, "min_credit_limit": 2000.0, "max_credit_limit": null, "rewards_program": null, "conditions": [ "not updated by the bank since 2026-03-13; check its page, as the rate or fee may have changed", "minimum income $50,000 a year", "Approval is subject to Macquarie credit criteria and suitability assessment.", "Credit cards may be made available for Macquarie home loan customers, Business Bank clients and Private Bank clients.", "only for Macquarie home loan customers (or Business Bank clients); apply through a home loan specialist or broker", "permanent residents of Australia only" ], "restrictions": [ "limited_eligibility" ], "source_kind": "feed", "record_stale": true, "bank_last_updated": "2026-03-13T00:01:00.001Z", "from_issuer_page": [ { "source": "watched_term", "fields": [ "restrictions" ], "confirmed": "2026-11-12", "url": "https://www.macquarie.com.au/everyday-banking/credit-cards.html#:~:text=Credit%20cards%20are%20currently%20available%20to%20Macquarie%20home%20loan%20customers.", "quote": "Credit cards are currently available to Macquarie home loan customers." } ], "balance_transfer": null }, { "rank": 75, "brand": "BankVic", "brand_label": "BankVic", "brand_slug": "bankvic", "product_id": "S17_QANTAS_CREDIT_CARD", "product_name": "Qantas Credit Card", "product_label": "Qantas Credit Card", "page": "/au/finance/credit-cards/cards/bankvic/qantas-credit-card/", "product_url": "https://www.bankvic.com.au/banking/?filter=Credit-Card", "terms_url": "https://www.bankvic.com.au/documents/58127f7d78afc87224c94d64424e918a.pdf", "key_facts_sheet_url": "https://www.bankvic.com.au/documents/af6b7de938654201bad8b7d7c1596017.pdf", "source_snapshot": "/au/finance/credit-cards/v1/source/bankvic/S17_QANTAS_CREDIT_CARD.json", "card_type": "credit", "scheme": null, "segments": [ "personal" ], "kind": "low_rate", "purchase_rate_pct": 18.95, "purchase_rate_range_pct": null, "no_interest_card": null, "intro_purchase_rate_pct": 8.99, "intro_purchase_months": 6, "interest_free_days": 55, "annual_fee": null, "fee_period": null, "fee_as_stated": null, "annual_fee_stated": false, "annual_fee_note": "the feed lists no annual or monthly card fee, so none is claimed", "first_year_fee_waived": false, "min_credit_limit": 5000.0, "max_credit_limit": 20000.0, "rewards_program": "Earn Qantas Frequent Flyer Points - Earn 1 Qantas point for every $2 you spend", "conditions": [ "corrected from the bank's own page: 8.99% for the first six months on purchases, per the bank's Key Facts Sheet (correct as at August 2026: \"Promotional Introductory rate of 8.99% p.a. for the first six months\"); the feed says 9.96%; and 8.99% on balance transfers for six months when requested at card application, then the regular purchase rate (18.95%), which its feed carries no offer for", "credit limit $5,000 to $20,000", "BankVic member", "Exclusive for Police Association of Victoria members", "8.99% on balance transfers for 6 months if requested when applying, then the purchase rate", "only for members of approved partner organisations (the card page names the Police Association of Victoria, Australian Federal Police Association, Northern Territory Police Association, Victorian Ambulance Union and United Firefighters Union)" ], "restrictions": [ "occupation_membership" ], "source_kind": "feed", "record_stale": false, "bank_last_updated": "2026-08-13T15:52:02.000+10:00", "from_issuer_page": [ { "source": "correction", "fields": [ "intro_purchase_rate_pct", "intro_purchase_months", "bt_promo_rate_pct", "bt_promo_months", "bt_revert_rate_pct" ], "confirmed": "2026-11-12", "url": "https://www.bankvic.com.au/documents/af6b7de938654201bad8b7d7c1596017.pdf#page=1", "quote": "Promotional Introductory rate of 8.99% p.a. for the first six months" }, { "source": "watched_term", "fields": [ "restrictions" ], "confirmed": "2026-11-12", "url": "https://cdn.intelligencebank.com/au/share/NZw2/LPPrN/gBvWl/original/Qantas+Visa+Credit+Card+TMD#page=1", "quote": "The BankVic Qantas Visa Credit Card is an exclusive offering for eligible members of approved partner organisations." } ], "balance_transfer": { "promo_rate_pct": 8.99, "promo_months": 6, "fee_pct": null, "revert_rate_pct": 18.95, "revert_to": "purchase" } }, { "rank": 79, "brand": "Qudos Bank", "brand_label": "Qudos Bank", "brand_slug": "qudos-bank", "product_id": "79cd516c-e420-421b-b6c9-3a98ee95fe63", "product_name": "Lifestyle Plus", "product_label": "Lifestyle Plus", "page": "/au/finance/credit-cards/cards/qudos-bank/lifestyle-plus/", "product_url": "https://www.qudosbank.com.au/products/credit-cards/lifestyle-plus-credit-card", "terms_url": "https://www.qudosbank.com.au/reusable-documents/terms-and-conditions/credit-card-terms-and-conditions/", "key_facts_sheet_url": null, "source_snapshot": "/au/finance/credit-cards/v1/source/qudos-bank/79cd516c-e420-421b-b6c9-3a98ee95fe63.json", "card_type": "credit", "scheme": "visa", "segments": [ "personal" ], "kind": "low_rate", "purchase_rate_pct": 19.74, "purchase_rate_range_pct": null, "no_interest_card": null, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 55, "annual_fee": 0.0, "fee_period": "annual", "fee_as_stated": 0.0, "annual_fee_stated": true, "annual_fee_note": null, "first_year_fee_waived": false, "min_credit_limit": 1000.0, "max_credit_limit": 20000.0, "rewards_program": null, "conditions": [ "corrected from the bank's own page: up to 55 interest-free days, per the bank's card page and its Key Facts Sheet effective 1 November 2026; the feed says 46. 19.74% matches that sheet (a footnote on the page gives 16.35% as the standard rate, which the sheet does not)", "credit limit $1,000 to $20,000", "existing Qudos Bank customers only; new customers are sent to Bank Australia", "up to 55 interest-free days (the feed says 46)", "$0 annual fee and $0 for an additional cardholder" ], "restrictions": [ "limited_eligibility" ], "source_kind": "feed", "record_stale": false, "bank_last_updated": "2026-10-31T21:00:25.904Z", "from_issuer_page": [ { "source": "correction", "fields": [ "interest_free_days" ], "confirmed": "2026-11-12", "url": "https://www.qudosbank.com.au/products/credit-cards/lifestyle-plus-credit-card#:~:text=Up%20to%2055%20interest%20free%20days", "quote": "Up to 55 interest free days" }, { "source": "watched_term", "fields": [ "restrictions" ], "confirmed": "2026-11-12", "url": "https://www.qudosbank.com.au/products/credit-cards/lifestyle-plus-credit-card#:~:text=If%20you%E2%80%99re%20a%20new%20customer%2C,on%20the%20Bank%20Australia%20website.", "quote": "If you’re a new customer, select ‘I’m a new customer’ to view Bank Australia credit cards on the Bank Australia website." } ], "balance_transfer": null }, { "rank": 82, "brand": "Bank of China", "brand_label": "Bank of China", "brand_slug": "bank-of-china", "product_id": "MAUSMAU3", "product_name": "Bank of China Great Wall International MasterCard Credit Card (Student Card)", "product_label": "Great Wall International MasterCard Credit Card (Student Card)", "page": "/au/finance/credit-cards/cards/bank-of-china/great-wall-international-mastercard-credit-card-student-card/", "product_url": "https://www.bankofchina.com/au/en/pbservice/pb4/201801/t20180125_11256138.html", "terms_url": "https://www.bankofchina.com/au/en/bocinfo/bi3/201502/t20150217_10963588.html", "key_facts_sheet_url": null, "source_snapshot": "/au/finance/credit-cards/v1/source/bank-of-china/MAUSMAU3.json", "card_type": "credit", "scheme": "mastercard", "segments": [ "personal" ], "kind": "low_rate", "purchase_rate_pct": 19.99, "purchase_rate_range_pct": null, "no_interest_card": null, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 50, "annual_fee": 20.0, "fee_period": "annual", "fee_as_stated": 20.0, "annual_fee_stated": true, "annual_fee_note": null, "first_year_fee_waived": false, "min_credit_limit": 500.0, "max_credit_limit": null, "rewards_program": null, "conditions": [ "not updated by the bank since 2024-09-25; check its page, as the rate or fee may have changed", "a student card", "up to 55 interest-free days on purchases (feed says 50)" ], "restrictions": [ "student" ], "source_kind": "feed", "record_stale": true, "bank_last_updated": "2024-09-25T04:00:00.000+10:00", "from_issuer_page": null, "balance_transfer": null }, { "rank": 93, "brand": "Macquarie Bank Limited", "brand_label": "Macquarie Bank", "brand_slug": "macquarie-bank-limited", "product_id": "498415VGSGLD", "product_name": "Macquarie Platinum Card", "product_label": "Platinum Card", "page": "/au/finance/credit-cards/cards/macquarie-bank-limited/platinum-card/", "product_url": "https://www.macquarie.com.au/everyday-banking/credit-cards/platinum-rewards.html", "terms_url": "https://www.macquarie.com.au/assets/bfs/documents/personal-direct/credit-cards/creditcards-conditions-of-use.pdf", "key_facts_sheet_url": "https://www.macquarie.com.au/assets/bfs/applications/digital/credit-cards/documents/macquarie-credit-card-key-facts.pdf", "source_snapshot": "/au/finance/credit-cards/v1/source/macquarie-bank-limited/498415VGSGLD.json", "card_type": "credit", "scheme": "visa", "segments": [ "personal" ], "kind": "low_rate", "purchase_rate_pct": 20.7, "purchase_rate_range_pct": null, "no_interest_card": null, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 55, "annual_fee": 149.0, "fee_period": "annual", "fee_as_stated": 149.0, "annual_fee_stated": true, "annual_fee_note": null, "first_year_fee_waived": false, "min_credit_limit": 6000.0, "max_credit_limit": null, "rewards_program": "Macquarie Rewards.", "conditions": [ "not updated by the bank since 2026-03-13; check its page, as the rate or fee may have changed", "credit limit from $6,000", "minimum income $50,000 a year", "Approval is subject to Macquarie credit criteria and suitability assessment.", "Credit cards may be made available for Macquarie home loan customers, Business Bank clients and Private Bank clients.", "only for Macquarie home loan customers (or Business Bank clients); apply through a home loan specialist or broker" ], "restrictions": [ "limited_eligibility" ], "source_kind": "feed", "record_stale": true, "bank_last_updated": "2026-03-13T00:01:00.001Z", "from_issuer_page": [ { "source": "watched_term", "fields": [ "restrictions" ], "confirmed": "2026-11-12", "url": "https://www.macquarie.com.au/everyday-banking/credit-cards.html#:~:text=Credit%20cards%20are%20currently%20available%20to%20Macquarie%20home%20loan%20customers.", "quote": "Credit cards are currently available to Macquarie home loan customers." } ], "balance_transfer": null }, { "rank": 94, "brand": "Macquarie Bank Limited", "brand_label": "Macquarie Bank", "brand_slug": "macquarie-bank-limited", "product_id": "498416VPSPLT", "product_name": "Macquarie Black Card", "product_label": "Black Card", "page": "/au/finance/credit-cards/cards/macquarie-bank-limited/black-card/", "product_url": "https://www.macquarie.com.au/everyday-banking/credit-cards/black-rewards.html", "terms_url": "https://www.macquarie.com.au/assets/bfs/documents/personal-direct/credit-cards/creditcards-conditions-of-use.pdf", "key_facts_sheet_url": "https://www.macquarie.com.au/assets/bfs/applications/digital/credit-cards/documents/macquarie-credit-card-key-facts.pdf", "source_snapshot": "/au/finance/credit-cards/v1/source/macquarie-bank-limited/498416VPSPLT.json", "card_type": "credit", "scheme": "visa", "segments": [ "personal" ], "kind": "low_rate", "purchase_rate_pct": 20.7, "purchase_rate_range_pct": null, "no_interest_card": null, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 55, "annual_fee": 249.0, "fee_period": "annual", "fee_as_stated": 249.0, "annual_fee_stated": true, "annual_fee_note": null, "first_year_fee_waived": false, "min_credit_limit": 15000.0, "max_credit_limit": null, "rewards_program": "Macquarie Rewards", "conditions": [ "not updated by the bank since 2026-03-13; check its page, as the rate or fee may have changed", "credit limit from $15,000", "minimum income $70,000 a year", "Approval is subject to Macquarie credit criteria and suitability assessment.", "Credit cards may be made available for Macquarie home loan customers, Business Bank clients and Private Bank clients.", "only for Macquarie home loan customers (or Business Bank clients); apply through a home loan specialist or broker" ], "restrictions": [ "limited_eligibility" ], "source_kind": "feed", "record_stale": true, "bank_last_updated": "2026-03-13T00:01:00.001Z", "from_issuer_page": [ { "source": "watched_term", "fields": [ "restrictions" ], "confirmed": "2026-11-12", "url": "https://www.macquarie.com.au/everyday-banking/credit-cards.html#:~:text=Credit%20cards%20are%20currently%20available%20to%20Macquarie%20home%20loan%20customers.", "quote": "Credit cards are currently available to Macquarie home loan customers." } ], "balance_transfer": null }, { "rank": 99, "brand": "Qudos Bank", "brand_label": "Qudos Bank", "brand_slug": "qudos-bank", "product_id": "9a6f5620-e93c-4e0c-bc23-d7f979b97f69", "product_name": "VISA Platinum Credit Card", "product_label": "VISA Platinum Credit Card", "page": "/au/finance/credit-cards/cards/qudos-bank/visa-platinum-credit-card/", "product_url": "https://www.qudosbank.com.au/products/credit-cards/visa-platinum-credit-card", "terms_url": "https://www.qudosbank.com.au/reusable-documents/terms-and-conditions/credit-card-terms-and-conditions/", "key_facts_sheet_url": null, "source_snapshot": "/au/finance/credit-cards/v1/source/qudos-bank/9a6f5620-e93c-4e0c-bc23-d7f979b97f69.json", "card_type": "credit", "scheme": "visa", "segments": [ "personal" ], "kind": "low_rate", "purchase_rate_pct": 20.99, "purchase_rate_range_pct": null, "no_interest_card": null, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 55, "annual_fee": 189.0, "fee_period": "annual", "fee_as_stated": 189.0, "annual_fee_stated": true, "annual_fee_note": null, "first_year_fee_waived": false, "min_credit_limit": 6000.0, "max_credit_limit": 20000.0, "rewards_program": "Qantas Frequent Flyer", "conditions": [ "credit limit $6,000 to $20,000", "existing Qudos Bank customers only; new customers are sent to Bank Australia", "Qantas Points capped at 5,000 a calendar month", "0.75 Qantas Point per $1 on the first $3,000 a month, 0.35 above that" ], "restrictions": [ "limited_eligibility" ], "source_kind": "feed", "record_stale": false, "bank_last_updated": "2026-10-31T21:58:08.869Z", "from_issuer_page": [ { "source": "watched_term", "fields": [ "restrictions" ], "confirmed": "2026-11-12", "url": "https://www.qudosbank.com.au/products/credit-cards/visa-platinum-credit-card#:~:text=If%20you%E2%80%99re%20a%20new%20customer%2C,on%20the%20Bank%20Australia%20website.", "quote": "If you’re a new customer, select ‘I’m a new customer’ to view Bank Australia credit cards on the Bank Australia website." } ], "balance_transfer": null }, { "rank": 146, "brand": "American Express Australia Limited", "brand_label": "American Express", "brand_slug": "american-express", "product_id": "amex-platinum-reserve", "product_name": "The American Express Platinum Reserve Credit Card", "product_label": "Platinum Reserve Credit Card", "page": "/au/finance/credit-cards/cards/american-express/platinum-reserve-credit-card/", "product_url": "https://www.americanexpress.com/au/credit-cards/platinum-reserve-card/", "terms_url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/Credit_Card_Conditions.pdf", "key_facts_sheet_url": "https://www.americanexpress.com/content/dam/amex/au/pdfs/customerservice/platinumreservekfs.pdf", "source_snapshot": null, "card_type": "credit", "scheme": "amex", "segments": [ "personal" ], "kind": "low_rate", "purchase_rate_pct": 23.99, "purchase_rate_range_pct": null, "no_interest_card": null, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 55, "annual_fee": 0, "fee_period": "annual", "fee_as_stated": 0, "annual_fee_stated": true, "annual_fee_note": null, "first_year_fee_waived": false, "min_credit_limit": 3000, "max_credit_limit": null, "rewards_program": "Membership Rewards", "conditions": [ "read from the issuer's own page and Key Facts Sheet correct as at 2023-12-20, each figure quoted and re-read daily", "open only to holders of another of the issuer's cards", "cash advances are not offered", "A companion card for holders of the issuer's Platinum Charge, Platinum Business or Centurion Card: $0 annual fee while that card's fee is paid, else the page says you will be charged the annual fee of $395.", "aged 18 or over; Australian citizen, permanent resident or long-term visa holder (12 months or more, not a student visa)", "for annual incomes of $65,000 or more" ], "restrictions": [ "companion_card" ], "source_kind": "document", "record_stale": false, "bank_last_updated": "2026-11-12T02:35:39+00:00", "from_issuer_page": [ { "source": "issuer_document", "fields": [ "annual_fee", "purchase_rate_pct", "interest_free_days", "document_date", "min_credit_limit", "late_payment_fee", "cash_advance_rate_pct", "foreign_transaction_fee_pct" ], "confirmed": "2026-11-12", "url": "https://www.americanexpress.com/au/credit-cards/platinum-reserve-card/#:~:text=Interest%20rate%2023.99%25%20p.a.", "quote": "Interest rate 23.99% p.a." } ], "document_date": "2023-12-20", "checked": { "at": "2026-11-12T02:35:39+00:00", "quotes": { "annual_fee": { "status": "found", "url": "https://www.americanexpress.com/au/credit-cards/platinum-reserve-card/", "confirmed": "2026-11-12", "cite_url": "https://www.americanexpress.com/au/credit-cards/platinum-reserve-card/#:~:text=As%20a%20Centurion%2C%20American%20Express,Card%20with%20no%20annual%20fee", "document_sha256": "416557bae0130532ee4e86369fe5ff3ff6683b0f830fc0d03fcf3be198e5d7c7" }, "purchase_rate": { "status": "found", "url": "https://www.americanexpress.com/au/credit-cards/platinum-reserve-card/", "confirmed": "2026-11-12", "cite_url": "https://www.americanexpress.com/au/credit-cards/platinum-reserve-card/#:~:text=Interest%20rate%2023.99%25%20p.a.", "document_sha256": "416557bae0130532ee4e86369fe5ff3ff6683b0f830fc0d03fcf3be198e5d7c7" }, "interest_free_days": { "status": "found", "url": "https://www.americanexpress.com/au/credit-cards/platinum-reserve-card/", "confirmed": "2026-11-12", "cite_url": "https://www.americanexpress.com/au/credit-cards/platinum-reserve-card/#:~:text=Interest%20free%20period%20of%20up%20to%2055%20days", "document_sha256": "416557bae0130532ee4e86369fe5ff3ff6683b0f830fc0d03fcf3be198e5d7c7" }, "kfs_date": { "status": "found", "url": "https://www.americanexpress.com/content/dam/amex/au/pdfs/customerservice/platinumreservekfs.pdf", "confirmed": "2026-11-12", "cite_url": "https://www.americanexpress.com/content/dam/amex/au/pdfs/customerservice/platinumreservekfs.pdf#page=1", "page": 1, "document_sha256": "7c4808589a18fe3d0c7cc4b6123288cd5ff1d6f46647b2c5b45f9ff24e4e7344" }, "min_credit_limit": { "status": "found", "url": "https://www.americanexpress.com/content/dam/amex/au/pdfs/customerservice/platinumreservekfs.pdf", "confirmed": "2026-11-12", "cite_url": "https://www.americanexpress.com/content/dam/amex/au/pdfs/customerservice/platinumreservekfs.pdf#page=1", "page": 1, "document_sha256": "7c4808589a18fe3d0c7cc4b6123288cd5ff1d6f46647b2c5b45f9ff24e4e7344" }, "late_payment_fee": { "status": "found", "url": "https://www.americanexpress.com/content/dam/amex/au/pdfs/customerservice/platinumreservekfs.pdf", "confirmed": "2026-11-12", "cite_url": "https://www.americanexpress.com/content/dam/amex/au/pdfs/customerservice/platinumreservekfs.pdf#page=1", "page": 1, "document_sha256": "7c4808589a18fe3d0c7cc4b6123288cd5ff1d6f46647b2c5b45f9ff24e4e7344" }, "cash_advance": { "status": "found", "url": "https://www.americanexpress.com/content/dam/amex/au/pdfs/customerservice/platinumreservekfs.pdf", "confirmed": "2026-11-12", "cite_url": "https://www.americanexpress.com/content/dam/amex/au/pdfs/customerservice/platinumreservekfs.pdf#page=1", "page": 1, "document_sha256": "7c4808589a18fe3d0c7cc4b6123288cd5ff1d6f46647b2c5b45f9ff24e4e7344" }, "issuer.foreign_transaction_fee": { "status": "found", "url": "https://www.americanexpress.com/au/credit-cards/about-credit-cards/fees/", "confirmed": "2026-11-12", "cite_url": "https://www.americanexpress.com/au/credit-cards/about-credit-cards/fees/#:~:text=Currency%20Conversion%20Fee%20Effective%20from,3.5%25%20of%20the%20converted%20amount", "document_sha256": "e8b498ee2e62259b19444a73450d9f4112d286b6bae0798bd6fa020ea6675275" }, "issuer.late_payment_fee_charge_cards": { "status": "found", "url": "https://www.americanexpress.com/au/credit-cards/about-credit-cards/fees/", "confirmed": "2026-11-12", "cite_url": "https://www.americanexpress.com/au/credit-cards/about-credit-cards/fees/#:~:text=Late%20Payment%20Fee%20%2430%20Three,charged%20on%20any%20overdue%20amount.", "document_sha256": "e8b498ee2e62259b19444a73450d9f4112d286b6bae0798bd6fa020ea6675275" } } }, "balance_transfer": null } ] }