{ "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.", "unranked_reasons": { "charge_card": "a charge card: the balance is paid in full each month, so its rate is not comparable", "corporate_program": "a corporate, purchasing or virtual card programme priced per business", "debit_card": "a debit card filed in the credit card category", "other_product": "not a card", "staff_only": "staff only", "closed_to_new": "not available to new customers", "no_rate": "the feed publishes no purchase rate", "rate_out_of_range": "a purchase rate outside 0% to 35%, or a 0% rate on a card with no fee stated (an introductory rate mislabelled)", "base_rate_only": "the feed gives a base rate to which the bank adds a margin, not the rate charged", "detail_unavailable": "the bank's feed lists the card but returns an error for its details", "rate_contradicted": "the issuer's own page contradicts the feed's rate and is too old to rank on instead", "figures_unconfirmed": "a sentence the figures were quoted from can no longer be found on the issuer's page, has not been confirmed there within its maximum age (hand_facts.py), or one of its quotes is malformed" }, "restriction_labels": { "student": "a student card", "occupation_membership": "the lender is open only to certain occupations", "secured": "secured against a deposit", "staff": "staff only", "closed_to_new": "not available to new customers", "existing_customers": "the best offer is for existing customers", "companion_card": "open only to holders of another of the issuer's cards", "limited_eligibility": "open only to a closed group (existing borrowers, residents of one state), per the bank's own page", "age_limited": "open only to people of certain ages", "pensioner": "pension recipients only", "organisation_only": "clubs, not-for-profits or community organisations only", "region_limited": "people who live or work in a certain area only" }, "source_kinds": { "feed": "the issuer's Consumer Data Right product feed", "document": "the issuer's own page and, where it publishes one, Key Facts Sheet, quoted and re-read daily" }, "generated_at": "2026-11-12T02:36:21Z", "row_count": 201, "rows": [ { "brand": "American Express Australia Limited", "brand_label": "American Express", "brand_slug": "american-express", "legal_entity_abn": "92108952085", "product_id": "amex-essential-rewards", "product_name": "The American Express Essential Rewards Credit Card", "product_label": "Essential Rewards Credit Card", "product_slug": "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", "fees_url": "https://www.americanexpress.com/au/credit-cards/about-credit-cards/fees/", "eligibility_url": null, "card_type": "credit", "scheme": "amex", "tier": null, "segments": [ "personal" ], "segment": "personal", "purchase_rate_pct": 23.99, "purchase_rate_is_base": null, "no_interest_card": null, "purchase_rate_range_pct": null, "cash_advance_rate_pct": 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, "fee_name": "Annual Fee", "first_year_fee_waived": false, "interest_free_balance_threshold": null, "fee_waived_for_group": null, "foreign_transaction_fee_pct": 3.5, "foreign_transaction_fee": null, "cash_advance_fee_pct": null, "cash_advance_fee": null, "late_payment_fee": 30, "additional_cardholder_fee": null, "bt_promo_rate_pct": null, "bt_promo_months": null, "bt_fee_pct": null, "bt_revert_rate_pct": null, "bt_revert_to": null, "form": null, "rewards_program": "Membership Rewards", "rewards_programs": [ "Membership Rewards" ], "rewards_program_fee": null, "bonus_offer": null, "cashback_offer": null, "digital_wallets": [], "instalment_plan": false, "additional_cards": null, "additional_cards_offered": null, "min_credit_limit": 2000, "max_credit_limit": null, "min_income": null, "min_age": null, "restrictions": [], "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" ], "ranked": true, "unranked_reason": null, "source_kind": "document", "record_stale": false, "source_url": "https://www.americanexpress.com/au/credit-cards/essential-rewards-credit-card/", "source_snapshot": null, "snapshot_at": null, "bank_last_updated": "2026-11-12T02:35:39+00:00", "key_facts_sheet_url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Prop.pdf", "document_date": "2024-04-30", "document_links_source": { "terms_url": "found by hand 2026-11-01: terms and conditions" }, "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" } ], "rate_pct": 23.99, "rankings": [] }, { "brand": "American Express Australia Limited", "brand_label": "American Express", "brand_slug": "american-express", "legal_entity_abn": "92108952085", "product_id": "amex-explorer", "product_name": "The American Express Explorer Credit Card", "product_label": "Explorer Credit Card", "product_slug": "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", "fees_url": "https://www.americanexpress.com/au/credit-cards/about-credit-cards/fees/", "eligibility_url": null, "card_type": "credit", "scheme": "amex", "tier": null, "segments": [ "personal" ], "segment": "personal", "purchase_rate_pct": 23.99, "purchase_rate_is_base": null, "no_interest_card": null, "purchase_rate_range_pct": null, "cash_advance_rate_pct": 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, "fee_name": "Annual Fee", "first_year_fee_waived": false, "interest_free_balance_threshold": null, "fee_waived_for_group": null, "foreign_transaction_fee_pct": 3.5, "foreign_transaction_fee": null, "cash_advance_fee_pct": null, "cash_advance_fee": null, "late_payment_fee": 30, "additional_cardholder_fee": null, "bt_promo_rate_pct": null, "bt_promo_months": null, "bt_fee_pct": null, "bt_revert_rate_pct": null, "bt_revert_to": null, "form": null, "rewards_program": "Membership Rewards", "rewards_programs": [ "Membership Rewards" ], "rewards_program_fee": null, "bonus_offer": null, "cashback_offer": null, "digital_wallets": [], "instalment_plan": false, "additional_cards": null, "additional_cards_offered": null, "min_credit_limit": 3000, "max_credit_limit": null, "min_income": null, "min_age": null, "restrictions": [], "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" ], "ranked": true, "unranked_reason": null, "source_kind": "document", "record_stale": false, "source_url": "https://www.americanexpress.com/au/credit-cards/explorer-credit-card/", "source_snapshot": null, "snapshot_at": null, "bank_last_updated": "2026-11-12T02:35:39+00:00", "key_facts_sheet_url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Prop.pdf", "document_date": "2024-04-30", "document_links_source": { "terms_url": "found by hand 2026-11-01: terms and conditions" }, "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" } ], "rate_pct": 23.99, "rankings": [] }, { "brand": "American Express Australia Limited", "brand_label": "American Express", "brand_slug": "american-express", "legal_entity_abn": "92108952085", "product_id": "amex-low-rate", "product_name": "The Low Rate Credit Card from American Express", "product_label": "Low Rate Credit Card", "product_slug": "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", "fees_url": "https://www.americanexpress.com/au/credit-cards/about-credit-cards/fees/", "eligibility_url": null, "card_type": "credit", "scheme": "amex", "tier": null, "segments": [ "personal" ], "segment": "personal", "purchase_rate_pct": 10.99, "purchase_rate_is_base": null, "no_interest_card": null, "purchase_rate_range_pct": null, "cash_advance_rate_pct": 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, "fee_name": "Annual Fee", "first_year_fee_waived": false, "interest_free_balance_threshold": null, "fee_waived_for_group": null, "foreign_transaction_fee_pct": 3.5, "foreign_transaction_fee": null, "cash_advance_fee_pct": null, "cash_advance_fee": null, "late_payment_fee": 30, "additional_cardholder_fee": null, "bt_promo_rate_pct": null, "bt_promo_months": null, "bt_fee_pct": null, "bt_revert_rate_pct": null, "bt_revert_to": null, "form": null, "rewards_program": null, "rewards_programs": [], "rewards_program_fee": null, "bonus_offer": null, "cashback_offer": null, "digital_wallets": [], "instalment_plan": false, "additional_cards": null, "additional_cards_offered": null, "min_credit_limit": 1000, "max_credit_limit": null, "min_income": null, "min_age": null, "restrictions": [], "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" ], "ranked": true, "unranked_reason": null, "source_kind": "document", "record_stale": false, "source_url": "https://www.americanexpress.com/au/credit-cards/low-rate-credit-card/", "source_snapshot": null, "snapshot_at": null, "bank_last_updated": "2026-11-12T02:35:39+00:00", "key_facts_sheet_url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Prop.pdf", "document_date": "2024-04-30", "document_links_source": { "terms_url": "found by hand 2026-11-01: terms and conditions" }, "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" } ], "rate_pct": 10.99, "rankings": [ { "segment": "personal", "kind": "low_rate", "rank": 13, "of": 52, "hidden_by_default": null }, { "segment": "personal", "kind": "no_annual_fee", "rank": 2, "of": 10, "hidden_by_default": null } ] }, { "brand": "American Express Australia Limited", "brand_label": "American Express", "brand_slug": "american-express", "legal_entity_abn": "92108952085", "product_id": "amex-platinum-edge", "product_name": "The American Express Platinum Edge Credit Card", "product_label": "Platinum Edge Credit Card", "product_slug": "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", "fees_url": "https://www.americanexpress.com/au/credit-cards/about-credit-cards/fees/", "eligibility_url": null, "card_type": "credit", "scheme": "amex", "tier": "platinum", "segments": [ "personal" ], "segment": "personal", "purchase_rate_pct": 23.99, "purchase_rate_is_base": null, "no_interest_card": null, "purchase_rate_range_pct": null, "cash_advance_rate_pct": 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, "fee_name": "Annual Fee", "first_year_fee_waived": true, "interest_free_balance_threshold": null, "fee_waived_for_group": null, "foreign_transaction_fee_pct": 3.5, "foreign_transaction_fee": null, "cash_advance_fee_pct": null, "cash_advance_fee": null, "late_payment_fee": 30, "additional_cardholder_fee": null, "bt_promo_rate_pct": null, "bt_promo_months": null, "bt_fee_pct": null, "bt_revert_rate_pct": null, "bt_revert_to": null, "form": null, "rewards_program": "Membership Rewards", "rewards_programs": [ "Membership Rewards" ], "rewards_program_fee": null, "bonus_offer": null, "cashback_offer": null, "digital_wallets": [], "instalment_plan": false, "additional_cards": null, "additional_cards_offered": null, "min_credit_limit": 3000, "max_credit_limit": null, "min_income": null, "min_age": null, "restrictions": [], "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" ], "ranked": true, "unranked_reason": null, "source_kind": "document", "record_stale": false, "source_url": "https://www.americanexpress.com/au/credit-cards/platinum-edge-credit-card/", "source_snapshot": null, "snapshot_at": null, "bank_last_updated": "2026-11-12T02:35:39+00:00", "key_facts_sheet_url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Prop.pdf", "document_date": "2024-04-30", "document_links_source": { "terms_url": "found by hand 2026-11-01: terms and conditions" }, "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" } ], "rate_pct": 23.99, "rankings": [] }, { "brand": "American Express Australia Limited", "brand_label": "American Express", "brand_slug": "american-express", "legal_entity_abn": "92108952085", "product_id": "amex-platinum-reserve", "product_name": "The American Express Platinum Reserve Credit Card", "product_label": "Platinum Reserve Credit Card", "product_slug": "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", "fees_url": "https://www.americanexpress.com/au/credit-cards/about-credit-cards/fees/", "eligibility_url": null, "card_type": "credit", "scheme": "amex", "tier": "platinum", "segments": [ "personal" ], "segment": "personal", "purchase_rate_pct": 23.99, "purchase_rate_is_base": null, "no_interest_card": null, "purchase_rate_range_pct": null, "cash_advance_rate_pct": 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, "fee_name": "Annual Fee", "first_year_fee_waived": false, "interest_free_balance_threshold": null, "fee_waived_for_group": true, "foreign_transaction_fee_pct": 3.5, "foreign_transaction_fee": null, "cash_advance_fee_pct": null, "cash_advance_fee": null, "late_payment_fee": 30, "additional_cardholder_fee": null, "bt_promo_rate_pct": null, "bt_promo_months": null, "bt_fee_pct": null, "bt_revert_rate_pct": null, "bt_revert_to": null, "form": null, "rewards_program": "Membership Rewards", "rewards_programs": [ "Membership Rewards" ], "rewards_program_fee": null, "bonus_offer": null, "cashback_offer": null, "digital_wallets": [], "instalment_plan": false, "additional_cards": null, "additional_cards_offered": null, "min_credit_limit": 3000, "max_credit_limit": null, "min_income": null, "min_age": null, "restrictions": [ "companion_card" ], "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" ], "ranked": true, "unranked_reason": null, "source_kind": "document", "record_stale": false, "source_url": "https://www.americanexpress.com/au/credit-cards/platinum-reserve-card/", "source_snapshot": null, "snapshot_at": null, "bank_last_updated": "2026-11-12T02:35:39+00:00", "key_facts_sheet_url": "https://www.americanexpress.com/content/dam/amex/au/pdfs/customerservice/platinumreservekfs.pdf", "document_date": "2023-12-20", "document_links_source": { "terms_url": "found by hand 2026-11-01: terms and conditions" }, "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." } ], "rate_pct": 23.99, "rankings": [ { "segment": "personal", "kind": "rewards", "rank": 3, "of": 27, "hidden_by_default": true } ] }, { "brand": "American Express Australia Limited", "brand_label": "American Express", "brand_slug": "american-express", "legal_entity_abn": "92108952085", "product_id": "amex-qantas-discovery", "product_name": "The Qantas American Express Discovery Card", "product_label": "Qantas Discovery Card", "product_slug": "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", "fees_url": "https://www.americanexpress.com/au/credit-cards/about-credit-cards/fees/", "eligibility_url": null, "card_type": "credit", "scheme": "amex", "tier": null, "segments": [ "personal" ], "segment": "personal", "purchase_rate_pct": 23.99, "purchase_rate_is_base": null, "no_interest_card": null, "purchase_rate_range_pct": null, "cash_advance_rate_pct": 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, "fee_name": "Annual Fee", "first_year_fee_waived": false, "interest_free_balance_threshold": null, "fee_waived_for_group": null, "foreign_transaction_fee_pct": 3.5, "foreign_transaction_fee": null, "cash_advance_fee_pct": null, "cash_advance_fee": null, "late_payment_fee": 30, "additional_cardholder_fee": null, "bt_promo_rate_pct": null, "bt_promo_months": null, "bt_fee_pct": null, "bt_revert_rate_pct": null, "bt_revert_to": null, "form": null, "rewards_program": "Qantas Frequent Flyer", "rewards_programs": [ "Qantas Frequent Flyer" ], "rewards_program_fee": null, "bonus_offer": null, "cashback_offer": null, "digital_wallets": [], "instalment_plan": false, "additional_cards": null, "additional_cards_offered": null, "min_credit_limit": 2000, "max_credit_limit": null, "min_income": null, "min_age": null, "restrictions": [], "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" ], "ranked": true, "unranked_reason": null, "source_kind": "document", "record_stale": false, "source_url": "https://www.americanexpress.com/au/credit-cards/qantas-discovery-card/", "source_snapshot": null, "snapshot_at": null, "bank_last_updated": "2026-11-12T02:35:39+00:00", "key_facts_sheet_url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Qantas.pdf", "document_date": "2023-05-03", "document_links_source": { "terms_url": "found by hand 2026-11-01: terms and conditions" }, "from_issuer_page": [ { "source": "issuer_document", "fields": [ 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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" ], "ranked": true, "unranked_reason": null, "source_kind": "document", "record_stale": false, "source_url": "https://www.americanexpress.com/au/credit-cards/qantas-ultimate-card/", "source_snapshot": null, "snapshot_at": null, "bank_last_updated": "2026-11-12T02:35:39+00:00", "key_facts_sheet_url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Qantas.pdf", "document_date": "2023-05-03", "document_links_source": { "terms_url": "found by hand 2026-11-01: terms and conditions" }, "from_issuer_page": [ { "source": "issuer_document", 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could not be found in them today, so check the bank's page)" ], "ranked": true, "unranked_reason": null, "source_kind": "document", "record_stale": false, "source_url": "https://www.americanexpress.com/en-au/credit-cards/velocity-escape-plus-card/", "source_snapshot": null, "snapshot_at": null, "bank_last_updated": "2026-11-12T02:35:39+00:00", "key_facts_sheet_url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Velocity.pdf", "document_date": "2024-11-06", "document_links_source": { "terms_url": "found by hand 2026-11-01: terms and conditions" }, "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." } ], "rate_pct": 23.99, "rankings": [] }, { "brand": "American Express Australia Limited", "brand_label": "American Express", "brand_slug": "american-express", "legal_entity_abn": "92108952085", "product_id": "amex-velocity-platinum", "product_name": "The American Express Velocity Platinum Card", "product_label": "Velocity Platinum Card", "product_slug": "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", "fees_url": "https://www.americanexpress.com/au/credit-cards/about-credit-cards/fees/", "eligibility_url": null, "card_type": "credit", "scheme": "amex", "tier": "platinum", "segments": [ "personal" ], "segment": "personal", "purchase_rate_pct": 23.99, "purchase_rate_is_base": null, "no_interest_card": null, 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"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" } ], "rate_pct": 23.99, "rankings": [] }, { "brand": "American Express Australia Limited", "brand_label": "American Express", "brand_slug": "american-express", "legal_entity_abn": "92108952085", "product_id": "amex-business-gold-plus", "product_name": "The American Express Business Gold Plus Card", "product_label": "Business Gold Plus Card", "product_slug": "business-gold-plus-card", "page": "/au/finance/credit-cards/cards/american-express/business-gold-plus-card/", "product_url": "https://www.americanexpress.com/en-au/credit-cards/business-gold-plus-card/", "terms_url": 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Already with BankSA? Sign in to apply for a $99 card fee for the first year (reverts to $175 p.a. thereafter). 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the first year for a new card, then $295", "bonus points not for anyone who holds or held a St.George, Bank of Melbourne or BankSA Amplify card in the last 24 months, switches or Westpac staff" ], "ranked": true, "unranked_reason": null, "source_kind": "feed", "record_stale": false, "source_url": "https://digital-api.banksa.com.au/cds-au/v1/banking/products/BSACCAmplifySignaturecardRewards", "source_snapshot": "/au/finance/credit-cards/v1/source/banksa/BSACCAmplifySignaturecardRewards.json", "snapshot_at": "2026-11-12T02:35:43Z", "bank_last_updated": "2026-10-29T01:03:01Z", "key_facts_sheet_url": "https://www.banksa.com.au/personal/credit-cards/tools/credit-card-key-facts-sheet", "document_links_source": { "key_facts_sheet_url": "found by hand 2026-11-01: Key Facts Sheet" }, "from_issuer_page": null, "rate_pct": 23.98, "rankings": [] }, { "brand": "BankSA", "brand_label": "BankSA", "brand_slug": "banksa", "legal_entity_abn": "33007457141", "product_id": "BSACCVertigocard", "product_name": "Vertigo", "product_label": "Vertigo", "product_slug": "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", "fees_url": "https://www.banksa.com.au/content/dam/bsa/downloads/accounts_and_cards/bsa-cc-fee-charges.pdf", "eligibility_url": "https://www.banksa.com.au/personal/credit-cards/low-rate", "card_type": "credit", "scheme": "visa", "tier": null, "segments": [ "personal" ], "segment": "personal", "purchase_rate_pct": 13.99, "purchase_rate_is_base": null, "no_interest_card": null, "purchase_rate_range_pct": null, "cash_advance_rate_pct": 21.99, "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, "fee_name": "Monthly Card Fee", "first_year_fee_waived": false, "fee_waived_for_group": null, "foreign_transaction_fee_pct": 3.0, "foreign_transaction_fee": null, "cash_advance_fee_pct": 3.5, "cash_advance_fee": null, "late_payment_fee": 20.0, "additional_cardholder_fee": null, "bt_promo_rate_pct": 0.0, "bt_promo_months": 20, "bt_fee_pct": 3.0, "bt_revert_rate_pct": 21.99, "bt_revert_to": "cash_advance", "rewards_program": null, "rewards_programs": [], "rewards_program_fee": null, "bonus_offer": null, "cashback_offer": 450.0, "digital_wallets": [ "Apple Pay", "Google Pay", "Samsung Pay" ], "instalment_plan": false, "additional_cards": 1, "additional_cards_offered": true, "min_credit_limit": 500.0, "max_credit_limit": 80000.0, "min_income": null, "min_age": 18, "restrictions": [], "who_can_open": { "restricted": false, "groups": [], "open_note": 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", "offers not available if you held a BankSA, St.George or Bank of Melbourne credit card in the last 24 months", "switches, upgrades and Westpac Group staff are not eligible for the promotion", "with the cashback offer, 6.99% on balance transfers for 12 months instead" ], "ranked": true, "unranked_reason": null, "source_kind": "feed", "record_stale": false, "source_url": "https://digital-api.banksa.com.au/cds-au/v1/banking/products/BSACCVertigocard", "source_snapshot": "/au/finance/credit-cards/v1/source/banksa/BSACCVertigocard.json", "snapshot_at": "2026-11-12T02:35:43Z", "bank_last_updated": "2026-11-05T02:44:45Z", "key_facts_sheet_url": "https://www.banksa.com.au/personal/credit-cards/tools/credit-card-key-facts-sheet", "document_links_source": { "key_facts_sheet_url": "found by hand 2026-11-01: Key Facts Sheet" }, "from_issuer_page": null, "rate_pct": 13.99, "rankings": [ { "segment": "personal", "kind": "low_rate", "rank": 41, "of": 52, "hidden_by_default": null }, { "segment": "personal", "kind": "balance_transfer", "rank": 10, "of": 22, "hidden_by_default": null } ] }, { "brand": "BankSA", "brand_label": "BankSA", "brand_slug": "banksa", "legal_entity_abn": "33007457141", "product_id": "BSACCBusVISABusiness", "product_name": "VISA Business", "product_label": "VISA Business", "product_slug": "visa-business", "page": "/au/finance/credit-cards/cards/banksa/visa-business/", "product_url": "https://www.banksa.com.au/business/credit-card/low-rate", "terms_url": "https://www.banksa.com.au/content/dam/bsa/downloads/business/credit-card/bsa-visa-business-card-cou.pdf", "fees_url": "https://www.banksa.com.au/content/dam/bsa/downloads/accounts_and_cards/bsa-cc-fee-charges.pdf", "eligibility_url": "https://www.banksa.com.au/business/credit-card/low-rate", "card_type": "credit", "scheme": "visa", "tier": null, "segments": [ "business" ], "segment": "business", "purchase_rate_pct": 9.99, "purchase_rate_is_base": null, "no_interest_card": null, "purchase_rate_range_pct": null, "cash_advance_rate_pct": 17.15, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 55, "annual_fee": 55.0, "fee_period": "annual", "fee_as_stated": 55.0, "annual_fee_stated": true, "annual_fee_note": null, "fee_name": "Card Fee", "first_year_fee_waived": false, "fee_waived_for_group": null, "foreign_transaction_fee_pct": 3.0, "foreign_transaction_fee": null, "cash_advance_fee_pct": 3.0, "cash_advance_fee": null, "late_payment_fee": 0.0, "additional_cardholder_fee": null, "bt_promo_rate_pct": null, "bt_promo_months": null, "bt_fee_pct": null, "bt_revert_rate_pct": null, "bt_revert_to": null, "rewards_program": null, "rewards_programs": [], "rewards_program_fee": null, "bonus_offer": null, "cashback_offer": null, "digital_wallets": [], "instalment_plan": false, "additional_cards": 99, "additional_cards_offered": true, "min_credit_limit": null, "max_credit_limit": null, "min_income": null, "min_age": 18, "restrictions": [], "who_can_open": { "restricted": false, "groups": [], "open_note": null }, "conditions": [ "business: Intend to use the card predominantly for business expenditure", "business: Should have business registered in Australia", "no missed payment fee on business cards", "9.99% purchase rate is for new cards only", "$55 card fee for each card, up to 99 cards" ], "ranked": true, "unranked_reason": null, "source_kind": "feed", "record_stale": false, "source_url": "https://digital-api.banksa.com.au/cds-au/v1/banking/products/BSACCBusVISABusiness", "source_snapshot": "/au/finance/credit-cards/v1/source/banksa/BSACCBusVISABusiness.json", "snapshot_at": "2026-11-12T02:35:43Z", "bank_last_updated": "2026-10-29T01:03:02Z", "from_issuer_page": null, "rate_pct": 9.99, "rankings": [ { "segment": "business", "kind": "low_rate", "rank": 2, "of": 13, "hidden_by_default": null } ] }, { "brand": "BankVic", "brand_label": "BankVic", "brand_slug": "bankvic", "legal_entity_abn": "33087651661", "product_id": "S15_VISA_CLASSIC_CREDIT_CA", "product_name": "Low Rate Visa Credit Card", "product_label": "Low Rate Visa Credit Card", "product_slug": "low-rate-visa-credit-card", "page": "/au/finance/credit-cards/cards/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", "fees_url": "https://cdn.intelligencebank.com/au/share/NZw2/RVzr/dwqA/original/Fees+and+Charges", "eligibility_url": "https://www.bankvic.com.au/banking/?filter=Credit-Card", "card_type": "credit", "scheme": "visa", "tier": null, "segments": [ "personal" ], "segment": "personal", "purchase_rate_pct": 13.95, "purchase_rate_is_base": null, "no_interest_card": null, "purchase_rate_range_pct": null, "cash_advance_rate_pct": 13.95, "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", "fee_name": null, "first_year_fee_waived": false, "fee_waived_for_group": null, "foreign_transaction_fee_pct": null, "foreign_transaction_fee": null, "cash_advance_fee_pct": null, "cash_advance_fee": null, "late_payment_fee": null, "additional_cardholder_fee": null, "bt_promo_rate_pct": 8.99, "bt_promo_months": 6, "bt_fee_pct": null, "bt_revert_rate_pct": 13.95, "bt_revert_to": "purchase", "rewards_program": null, "rewards_programs": [], "rewards_program_fee": null, "bonus_offer": null, "cashback_offer": null, "digital_wallets": [ "Apple Pay", "Google Pay", "Fitbit Pay", "Garmin Pay", "Samsung Pay" ], "instalment_plan": false, "additional_cards": null, "additional_cards_offered": true, "min_credit_limit": 1000.0, "max_credit_limit": 10000.0, "min_income": null, "min_age": 18, "restrictions": [], "who_can_open": { "restricted": false, "groups": [], "open_note": 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" ], "ranked": true, "unranked_reason": null, "source_kind": "feed", "record_stale": false, "source_url": "https://ib.bankvic.com.au/openbanking/cds-au/v1/banking/products/S15_VISA_CLASSIC_CREDIT_CA", "source_snapshot": "/au/finance/credit-cards/v1/source/bankvic/S15_VISA_CLASSIC_CREDIT_CA.json", "snapshot_at": "2026-11-12T02:35:44Z", "bank_last_updated": "2025-11-21T14:27:08.000+11:00", "key_facts_sheet_url": "https://www.bankvic.com.au/documents/af6b7de938654201bad8b7d7c1596017.pdf", "document_links_source": { "key_facts_sheet_url": "found by hand 2026-11-01: Key Facts Sheet" }, "correction": { "checked": "2026-11-05", "note": "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", "fields": [ "intro_purchase_months", "intro_purchase_rate_pct", "balance_transfer", "conditions" ], "quotes": { "intro": { "text": "Promotional Introductory rate of 8.99% p.a. for the first six months", "url": "https://www.bankvic.com.au/documents/af6b7de938654201bad8b7d7c1596017.pdf", "citation": { "quote": "Promotional Introductory rate of 8.99% p.a. for the first six months", "url": "https://www.bankvic.com.au/documents/af6b7de938654201bad8b7d7c1596017.pdf#page=1", "page": 1, "document_sha256": "c64f68391664d65ce972a755a88a40e60f527b89f15b978b5aac79ef2680635a", "confirmed": "2026-11-12" } }, "balance_transfer": { "text": "8.99% p.a. for six months on Balance Transfers when requested at card application.", "url": "https://www.bankvic.com.au/documents/af6b7de938654201bad8b7d7c1596017.pdf", "citation": { "quote": "8.99% p.a. for six months on Balance Transfers when requested at card application.", "url": "https://www.bankvic.com.au/documents/af6b7de938654201bad8b7d7c1596017.pdf#page=1", "page": 1, "document_sha256": "c64f68391664d65ce972a755a88a40e60f527b89f15b978b5aac79ef2680635a", "confirmed": "2026-11-12" } }, "balance_transfer_revert": { "text": "Regular purchase interest rate applies after the promotional period.", "url": "https://www.bankvic.com.au/documents/af6b7de938654201bad8b7d7c1596017.pdf", "citation": { "quote": "Regular purchase interest rate applies after the promotional period.", "url": "https://www.bankvic.com.au/documents/af6b7de938654201bad8b7d7c1596017.pdf#page=1", "page": 1, "document_sha256": "c64f68391664d65ce972a755a88a40e60f527b89f15b978b5aac79ef2680635a", "confirmed": "2026-11-12" } } }, "verified": { "intro": "found", "balance_transfer": "found", "balance_transfer_revert": "found" } }, "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" } ], "rate_pct": 13.95, "rankings": [ { "segment": "personal", "kind": "low_rate", "rank": 38, "of": 52, "hidden_by_default": null }, { "segment": "personal", "kind": "balance_transfer", "rank": 22, "of": 22, "hidden_by_default": null } ] }, { "brand": "BankVic", "brand_label": "BankVic", "brand_slug": "bankvic", "legal_entity_abn": "33087651661", "product_id": "S17_QANTAS_CREDIT_CARD", "product_name": "Qantas Credit Card", "product_label": "Qantas Credit Card", "product_slug": "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", "fees_url": "https://cdn.intelligencebank.com/au/share/NZw2/RVzr/dwqA/original/Fees+and+Charges", "eligibility_url": "https://www.bankvic.com.au/banking/?filter=Credit-Card", "card_type": "credit", "scheme": null, "tier": null, "segments": [ "personal" ], "segment": "personal", "purchase_rate_pct": 18.95, "purchase_rate_is_base": null, "no_interest_card": null, "purchase_rate_range_pct": null, "cash_advance_rate_pct": 18.95, "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", "fee_name": null, "first_year_fee_waived": false, "fee_waived_for_group": null, "foreign_transaction_fee_pct": null, "foreign_transaction_fee": null, "cash_advance_fee_pct": null, "cash_advance_fee": null, "late_payment_fee": null, "additional_cardholder_fee": null, "bt_promo_rate_pct": 8.99, "bt_promo_months": 6, "bt_fee_pct": null, "bt_revert_rate_pct": 18.95, "bt_revert_to": "purchase", "rewards_program": "Earn Qantas Frequent Flyer Points - Earn 1 Qantas point for every $2 you spend", "rewards_programs": [ "Earn Qantas Frequent Flyer Points - Earn 1 Qantas point for every $2 you spend" ], "rewards_program_fee": null, "bonus_offer": null, "cashback_offer": null, "digital_wallets": [ "Apple Pay", "Google Pay", "Fitbit Pay", "Garmin Pay", "Samsung Pay" ], "instalment_plan": false, "additional_cards": null, "additional_cards_offered": true, "min_credit_limit": 5000.0, "max_credit_limit": 20000.0, "min_income": null, "min_age": 18, "restrictions": [ "occupation_membership" ], "who_can_open": { "restricted": true, "groups": [ { "kind": "occupation", "who": "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)", "level": "product", "quote": "The BankVic Qantas Visa Credit Card is an exclusive offering for eligible members of approved partner organisations.", "source": "https://cdn.intelligencebank.com/au/share/NZw2/LPPrN/gBvWl/original/Qantas+Visa+Credit+Card+TMD", "citation": { "quote": "The BankVic Qantas Visa Credit Card is an exclusive offering for eligible members of approved partner organisations.", "url": "https://cdn.intelligencebank.com/au/share/NZw2/LPPrN/gBvWl/original/Qantas+Visa+Credit+Card+TMD#page=1", "page": 1, "document_sha256": "bf5a19e04db953ee5f778ca67aaaab5c8fe543f8e810fd5e8c9b82f0707230ea", "confirmed": "2026-11-12" } } ], "open_note": 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 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)", "10,000 bonus Qantas Points launch offers for NTPA and UFU members spending $3,000 in 90 days; not for existing BankVic Qantas Visa holders" ], "ranked": true, "unranked_reason": null, "source_kind": "feed", "record_stale": false, "source_url": "https://ib.bankvic.com.au/openbanking/cds-au/v1/banking/products/S17_QANTAS_CREDIT_CARD", "source_snapshot": "/au/finance/credit-cards/v1/source/bankvic/S17_QANTAS_CREDIT_CARD.json", "snapshot_at": "2026-11-12T02:35:44Z", "bank_last_updated": "2026-08-13T15:52:02.000+10:00", "document_links_source": { "terms_url": "found by hand 2026-11-01: terms and conditions", "key_facts_sheet_url": "found by hand 2026-11-01: Key Facts Sheet" }, "key_facts_sheet_url": "https://www.bankvic.com.au/documents/af6b7de938654201bad8b7d7c1596017.pdf", "correction": { "checked": "2026-11-05", "note": "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", "fields": [ "intro_purchase_months", "intro_purchase_rate_pct", "balance_transfer", "conditions" ], "quotes": { "intro": { "text": "Promotional Introductory rate of 8.99% p.a. for the first six months", "url": "https://www.bankvic.com.au/documents/af6b7de938654201bad8b7d7c1596017.pdf", "citation": { "quote": "Promotional Introductory rate of 8.99% p.a. for the first six months", "url": "https://www.bankvic.com.au/documents/af6b7de938654201bad8b7d7c1596017.pdf#page=1", "page": 1, "document_sha256": "c64f68391664d65ce972a755a88a40e60f527b89f15b978b5aac79ef2680635a", "confirmed": "2026-11-12" } }, "balance_transfer": { "text": "8.99% p.a. for six months on Balance Transfers when requested at card application.", "url": "https://www.bankvic.com.au/documents/af6b7de938654201bad8b7d7c1596017.pdf", "citation": { "quote": "8.99% p.a. for six months on Balance Transfers when requested at card application.", "url": "https://www.bankvic.com.au/documents/af6b7de938654201bad8b7d7c1596017.pdf#page=1", "page": 1, "document_sha256": "c64f68391664d65ce972a755a88a40e60f527b89f15b978b5aac79ef2680635a", "confirmed": "2026-11-12" } }, "balance_transfer_revert": { "text": "Regular purchase interest rate applies after the promotional period.", "url": "https://www.bankvic.com.au/documents/af6b7de938654201bad8b7d7c1596017.pdf", "citation": { "quote": "Regular purchase interest rate applies after the promotional period.", "url": "https://www.bankvic.com.au/documents/af6b7de938654201bad8b7d7c1596017.pdf#page=1", "page": 1, "document_sha256": "c64f68391664d65ce972a755a88a40e60f527b89f15b978b5aac79ef2680635a", "confirmed": "2026-11-12" } } }, "verified": { "intro": "found", "balance_transfer": "found", "balance_transfer_revert": "found" } }, "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." } ], "rate_pct": 18.95, "rankings": [ { "segment": "personal", "kind": "rewards", "rank": 26, "of": 27, "hidden_by_default": true } ] }, { "brand": "Bankwest", "brand_label": "Bankwest", "brand_slug": "bankwest", "legal_entity_abn": "48123123124", "product_id": "9ce7236b194f4294b5cf84452e9025c2", "product_name": "Bankwest Breeze Platinum Mastercard", "product_label": "Breeze Platinum Mastercard", "product_slug": "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, "fees_url": "https://www.bankwest.com.au/credit-cards/low-rate", "eligibility_url": "https://www.bankwest.com.au/content/dam/bankwest/documents/tmd/Credit-Cards/01-10-2026/bankwestbreezeplatinummastercard-tmd-280920261414.pdf", "card_type": "credit", "scheme": "mastercard", "tier": "platinum", "segments": [ "personal" ], "segment": "personal", "purchase_rate_pct": 12.99, "purchase_rate_is_base": null, "no_interest_card": null, "purchase_rate_range_pct": null, "cash_advance_rate_pct": 21.99, "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, "fee_name": "Annual Fee", "first_year_fee_waived": false, "fee_waived_for_group": null, "foreign_transaction_fee_pct": 0.0, "foreign_transaction_fee": null, "cash_advance_fee_pct": 3.0, "cash_advance_fee": null, "late_payment_fee": 25.0, "additional_cardholder_fee": null, "bt_promo_rate_pct": 0.0, "bt_promo_months": 24, "bt_fee_pct": 3.0, "bt_revert_rate_pct": 12.99, 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"min_income": null, "min_age": null, "restrictions": [], "who_can_open": { "restricted": false, "groups": [], "open_note": null }, "conditions": [ "the fee varies from $24.00 to $40.00 a year, as the feed states it: Standard fees are 1-49 cards = $40.00 per card; 50-499 cards = $32.00 per card; 500+ cards = $24.00 per card.", "business: Businesses, government entities and not-for-profit organisations that can repay the balance in full each month and must be registered in Australia wi…", "Each application for credit is assessed on the ability of the applicant to service debt (limit) based on the financials supplied in the application." ], "ranked": false, "unranked_reason": "corporate_program", "source_kind": "feed", "record_stale": false, "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/d44d38acc5b34c5bb76117f290d97134", "source_snapshot": "/au/finance/credit-cards/v1/source/commbank/d44d38acc5b34c5bb76117f290d97134.json", "snapshot_at": "2026-11-12T02:35:51Z", "bank_last_updated": "2026-11-12T02:15:46.000Z", "from_issuer_page": null, "rate_pct": 14.55, "rankings": [] }, { "brand": "CommBank", "brand_label": "CommBank", "brand_slug": "commbank", "legal_entity_abn": "48123123124", "product_id": "926fd37a329f4a28977ad5c2a943a05e", "product_name": "Procurement Management Account", "product_label": "Procurement Management Account", "product_slug": "procurement-management-account", "page": "/au/finance/credit-cards/cards/commbank/procurement-management-account/", "product_url": "https://www.commbank.com.au/business/business-credit-cards/cards-for-larger-business/procurement-management-account.html", "terms_url": "https://www.commbank.com.au/PMACOU", "fees_url": null, "eligibility_url": "https://www.commbank.com.au/business/business-credit-cards/cards-for-larger-business/procurement-management-account.html", "card_type": "corporate", "scheme": null, "tier": null, "segments": [ "business" ], "segment": "business", "purchase_rate_pct": 17.99, "purchase_rate_is_base": null, "no_interest_card": null, "purchase_rate_range_pct": null, "cash_advance_rate_pct": 17.99, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": null, "annual_fee": 120.0, "fee_period": "annual", "fee_as_stated": 120.0, "annual_fee_stated": true, "annual_fee_note": "the feed lists several card fees; the lowest is shown, the others being $595.00 a year", "fee_name": "Annual Account Fee", "first_year_fee_waived": false, "fee_waived_for_group": null, "foreign_transaction_fee_pct": 2.5, "foreign_transaction_fee": null, "cash_advance_fee_pct": null, "cash_advance_fee": null, "late_payment_fee": null, "additional_cardholder_fee": null, "bt_promo_rate_pct": null, "bt_promo_months": null, "bt_fee_pct": null, "bt_revert_rate_pct": null, "bt_revert_to": null, "rewards_program": null, "rewards_programs": [], "rewards_program_fee": null, "bonus_offer": null, "cashback_offer": null, "digital_wallets": [], "instalment_plan": false, "additional_cards": null, "additional_cards_offered": true, "min_credit_limit": null, "max_credit_limit": null, "min_income": null, "min_age": null, "restrictions": [], "who_can_open": { "restricted": false, "groups": [], "open_note": null }, "conditions": [ "the feed lists several card fees; the lowest is shown, the others being $595.00 a year", "Each application for credit is assessed on the ability of the business to service debt (limit) based on the financials supplied in the application." ], "ranked": false, "unranked_reason": "corporate_program", "source_kind": "feed", "record_stale": false, "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/926fd37a329f4a28977ad5c2a943a05e", "source_snapshot": "/au/finance/credit-cards/v1/source/commbank/926fd37a329f4a28977ad5c2a943a05e.json", "snapshot_at": "2026-11-12T02:35:51Z", "bank_last_updated": "2026-11-12T02:15:46.000Z", "from_issuer_page": null, "rate_pct": 17.99, "rankings": [] }, { "brand": "CommBank", "brand_label": "CommBank", "brand_slug": "commbank", "legal_entity_abn": "48123123124", "product_id": "29967abaf0f640afb581333158f003cc", "product_name": "Virtual Cards", "product_label": "Virtual Cards", "product_slug": "virtual-cards", "page": "/au/finance/credit-cards/cards/commbank/virtual-cards/", "product_url": "https://www.commbank.com.au/business/business-credit-cards/virtual-cards.html", "terms_url": "https://www.commbank.com.au/important-info/business/business-finance.html", "fees_url": null, "eligibility_url": null, "card_type": "corporate", "scheme": null, "tier": null, "segments": [ "business" ], "segment": "business", "purchase_rate_pct": null, "purchase_rate_is_base": null, "no_interest_card": null, "purchase_rate_range_pct": null, "cash_advance_rate_pct": null, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": null, "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", "fee_name": null, "first_year_fee_waived": false, "fee_waived_for_group": null, "foreign_transaction_fee_pct": null, "foreign_transaction_fee": null, "cash_advance_fee_pct": null, "cash_advance_fee": null, "late_payment_fee": null, "additional_cardholder_fee": null, "bt_promo_rate_pct": null, "bt_promo_months": null, "bt_fee_pct": null, "bt_revert_rate_pct": null, "bt_revert_to": null, "rewards_program": null, "rewards_programs": [], "rewards_program_fee": null, "bonus_offer": null, "cashback_offer": null, "digital_wallets": [], "instalment_plan": false, "additional_cards": null, "additional_cards_offered": null, "min_credit_limit": null, "max_credit_limit": null, "min_income": null, "min_age": null, "restrictions": [], "who_can_open": { "restricted": false, "groups": [], "open_note": null }, "conditions": [ "corrected from the bank's own page: a business product: the record's own page is the bank's virtual cards for businesses" ], "ranked": false, "unranked_reason": "corporate_program", "source_kind": "feed", "record_stale": false, "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/29967abaf0f640afb581333158f003cc", "source_snapshot": "/au/finance/credit-cards/v1/source/commbank/29967abaf0f640afb581333158f003cc.json", "snapshot_at": "2026-11-12T02:35:51Z", "bank_last_updated": "2026-11-12T02:15:46.000Z", "correction": { "checked": "2026-11-07", "note": "a business product: the record's own page is the bank's virtual cards for businesses", "fields": [ "segment", "segments" ], "quotes": { "business": { "text": "Virtual card for businesses", "url": "https://www.commbank.com.au/business/business-credit-cards/virtual-cards.html", "citation": { "quote": "Virtual card for businesses", "url": "https://www.commbank.com.au/business/business-credit-cards/virtual-cards.html#:~:text=Virtual%20card%20for%20businesses", "document_sha256": "4c653d6d26a1e650514a6ede2c77c5dba80b5b79659376fb4be8a9dbd23eb93d", "confirmed": "2026-11-12" } } }, "verified": { "business": "found" } }, "from_issuer_page": [ { "source": "correction", "fields": [ "segments" ], "confirmed": "2026-11-12", "url": "https://www.commbank.com.au/business/business-credit-cards/virtual-cards.html#:~:text=Virtual%20card%20for%20businesses", "quote": "Virtual card for businesses" } ], "rate_pct": null, "rankings": [] }, { "brand": "CommFCU", "brand_label": "Community First Bank", "brand_slug": "commfcu", "legal_entity_abn": "80087649938", "product_id": "S6-LRCC", "product_name": "LOW RATE CREDIT CARD", "product_label": "Low Rate Credit Card", "product_slug": "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", "fees_url": "https://communityfirst.com.au/tools/rates-and-fees", "eligibility_url": "https://communityfirst.com.au/personal/banking/credit-cards", "card_type": "credit", "scheme": "visa", "tier": null, "segments": [ "personal" ], "segment": "personal", "purchase_rate_pct": 9.99, "purchase_rate_is_base": null, "no_interest_card": null, "purchase_rate_range_pct": null, "cash_advance_rate_pct": 9.99, "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, "fee_name": "LOW_RATE_CREDIT_CARD_ANNUAL_FEE", "first_year_fee_waived": false, "fee_waived_for_group": null, "foreign_transaction_fee_pct": 3.0, "foreign_transaction_fee": null, "cash_advance_fee_pct": null, "cash_advance_fee": 2.0, "late_payment_fee": 25.0, "additional_cardholder_fee": null, "bt_promo_rate_pct": null, "bt_promo_months": null, "bt_fee_pct": null, "bt_revert_rate_pct": null, "bt_revert_to": null, "rewards_program": null, "rewards_programs": [], "rewards_program_fee": null, "bonus_offer": null, "cashback_offer": null, "digital_wallets": [ "Apple Pay", "Google Pay", "Samsung Pay" ], "instalment_plan": false, "additional_cards": 1, "additional_cards_offered": true, "min_credit_limit": 500.0, "max_credit_limit": null, "min_income": null, "min_age": 18, "restrictions": [], "who_can_open": { "restricted": false, "groups": [], "open_note": 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" ], "ranked": true, "unranked_reason": null, "source_kind": "feed", "record_stale": false, "source_url": "https://netbank.communityfirst.com.au/cf-OpenBanking/cds-au/v1/banking/products/S6-LRCC", "source_snapshot": "/au/finance/credit-cards/v1/source/commfcu/S6-LRCC.json", "snapshot_at": "2026-11-12T02:35:51Z", "bank_last_updated": "2026-10-06T15:31:28.000+11:00", "key_facts_sheet_url": "https://cms.communityfirst.com.au/wp-content/uploads/2026/08/Low-Rate-Credit-Card-Key-Fact-Sheet_20260901.pdf", "document_links_source": { "key_facts_sheet_url": "found by hand 2026-11-01: Key Facts Sheet" }, "from_issuer_page": null, "rate_pct": 9.99, "rankings": [ { "segment": "personal", "kind": "low_rate", "rank": 8, "of": 52, "hidden_by_default": null } ] }, { "brand": "Credit Union SA", "brand_label": "Credit Union SA", "brand_slug": "credit-union-sa", "legal_entity_abn": "36087651232", "product_id": "CREDITUNIONSA_OD_550", "product_name": "Education Community Credit Card", "product_label": "Education Community Credit Card", "product_slug": "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", "fees_url": "https://www.creditunionsa.com.au/fees/credit-cards-and-overdrafts/", "eligibility_url": "https://www.creditunionsa.com.au/cards/education-community-credit-card/", "card_type": "credit", "scheme": "visa", "tier": null, "segments": [ "personal" ], "segment": "personal", "purchase_rate_pct": 11.49, "purchase_rate_is_base": null, "no_interest_card": null, "purchase_rate_range_pct": null, "cash_advance_rate_pct": 11.49, "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.", "fee_name": "Education Community Credit Card Periodic", "first_year_fee_waived": false, "fee_waived_for_group": true, "foreign_transaction_fee_pct": null, "foreign_transaction_fee": null, "cash_advance_fee_pct": null, "cash_advance_fee": null, "late_payment_fee": null, "additional_cardholder_fee": null, "bt_promo_rate_pct": null, "bt_promo_months": null, "bt_fee_pct": null, "bt_revert_rate_pct": null, "bt_revert_to": null, "rewards_program": null, "rewards_programs": [], "rewards_program_fee": null, "bonus_offer": null, "cashback_offer": null, "digital_wallets": [ "Apple Pay", "Google Pay", "Garmin Pay", "Samsung Pay" ], "instalment_plan": false, "additional_cards": null, "additional_cards_offered": true, "min_credit_limit": 1000.0, "max_credit_limit": 20000.0, "min_income": null, "min_age": 18, "restrictions": [ "occupation_membership" ], "who_can_open": { "restricted": true, "groups": [ { "kind": "occupation", "who": "for current or former employees of the South Australian education community and education students (and immediate family)", "level": "product", "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.", "source": "https://www.creditunionsa.com.au/cards/education-community-credit-card/", "citation": { "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.", "url": "https://www.creditunionsa.com.au/cards/education-community-credit-card/#:~:text=This%20offer%20is%20exclusive%20to,their%20eligible%20immediate%20family%20members.", "document_sha256": "bf29facdeebb92c92fcd6821d3b73efd96e002c91ef1f7841e56f9b9a205a048", "confirmed": "2026-11-12" } } ], "open_note": 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)" ], "ranked": true, "unranked_reason": null, "source_kind": "feed", "record_stale": false, "source_url": "https://openbanking.api.creditunionsa.com.au/cds-au/v1/banking/products/CREDITUNIONSA_OD_550", "source_snapshot": "/au/finance/credit-cards/v1/source/credit-union-sa/CREDITUNIONSA_OD_550.json", "snapshot_at": "2026-11-12T02:35:51Z", "bank_last_updated": "2026-06-29T00:00:00.000+10:00", "document_links_source": { "terms_url": "found by hand 2026-11-01: terms and conditions", "key_facts_sheet_url": "found by hand 2026-11-01: Key Facts Sheet" }, "key_facts_sheet_url": "https://cms.creditunionsa.com.au/assets/documents/BRC_1006-Visa-Credit-Card-Key-Fact-Sheets.pdf", "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." } ], "rate_pct": 11.49, "rankings": [ { "segment": "personal", "kind": "low_rate", "rank": 16, "of": 62, "hidden_by_default": true } ] }, { "brand": "Credit Union SA", "brand_label": "Credit Union SA", "brand_slug": "credit-union-sa", "legal_entity_abn": "36087651232", "product_id": "CREDITUNIONSA_OD_500", "product_name": "Visa Credit Card", "product_label": "Visa Credit Card", "product_slug": "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", "fees_url": "https://www.creditunionsa.com.au/fees/credit-cards-and-overdrafts/", "eligibility_url": "https://www.creditunionsa.com.au/cards/visa-credit-card/", "card_type": "credit", "scheme": "visa", "tier": null, "segments": [ "personal" ], "segment": "personal", "purchase_rate_pct": 11.99, "purchase_rate_is_base": null, "no_interest_card": null, "purchase_rate_range_pct": null, "cash_advance_rate_pct": 11.99, "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, "fee_name": "Visa Credit Card Periodic", "first_year_fee_waived": false, "fee_waived_for_group": null, "foreign_transaction_fee_pct": null, "foreign_transaction_fee": null, "cash_advance_fee_pct": null, "cash_advance_fee": null, "late_payment_fee": null, "additional_cardholder_fee": null, "bt_promo_rate_pct": 0.0, "bt_promo_months": 6, "bt_fee_pct": 0.0, "bt_revert_rate_pct": 11.99, "bt_revert_to": null, "rewards_program": null, "rewards_programs": [], "rewards_program_fee": null, "bonus_offer": null, "cashback_offer": null, "digital_wallets": [ "Apple Pay", "Google Pay", "Garmin Pay", "Samsung Pay" ], "instalment_plan": false, "additional_cards": null, "additional_cards_offered": true, "min_credit_limit": 1000.0, "max_credit_limit": 20000.0, "min_income": null, "min_age": 18, "restrictions": [], "who_can_open": { "restricted": false, "groups": [], "open_note": 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%" ], "ranked": true, "unranked_reason": null, "source_kind": "feed", "record_stale": false, "source_url": "https://openbanking.api.creditunionsa.com.au/cds-au/v1/banking/products/CREDITUNIONSA_OD_500", "source_snapshot": "/au/finance/credit-cards/v1/source/credit-union-sa/CREDITUNIONSA_OD_500.json", "snapshot_at": "2026-11-12T02:35:51Z", "bank_last_updated": "2026-06-29T00:00:00.000+10:00", "document_links_source": { "terms_url": "found by hand 2026-11-01: terms and conditions", "key_facts_sheet_url": "found by hand 2026-11-01: Key Facts Sheet" }, "key_facts_sheet_url": "https://cms.creditunionsa.com.au/assets/documents/BRC_1006-Visa-Credit-Card-Key-Fact-Sheets.pdf", "correction": { "checked": "2026-11-05", "note": "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", "fields": [ "balance_transfer" ], "quotes": { "balance_transfer": { "text": "All credit card holders qualify for a balance transfer rate of 0.00% pa for 6 months at any time.", "url": "https://www.creditunionsa.com.au/cards/visa-credit-card/", "citation": { "quote": "All credit card holders qualify for a balance transfer rate of 0.00% pa for 6 months at any time.", "url": "https://www.creditunionsa.com.au/cards/visa-credit-card/#:~:text=All%20credit%20card%20holders%20qualify,6%20months%20at%20any%20time.", "document_sha256": "7d03608e673c3f22884eb2f02b88daff2cc2c59f2ccc72896461fa130af3a0a7", "confirmed": "2026-11-12" } }, "fee": { "text": "Available any time for new or existing accounts and pay no balance transfer fee.", "url": "https://www.creditunionsa.com.au/cards/visa-credit-card/", "citation": { "quote": "Available any time for new or existing accounts and pay no balance transfer fee.", "url": "https://www.creditunionsa.com.au/cards/visa-credit-card/#:~:text=Available%20any%20time%20for%20new,pay%20no%20balance%20transfer%20fee.", "document_sha256": "7d03608e673c3f22884eb2f02b88daff2cc2c59f2ccc72896461fa130af3a0a7", "confirmed": "2026-11-12" } } }, "verified": { "balance_transfer": "found", "fee": "found" } }, "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." } ], "rate_pct": 11.99, "rankings": [ { "segment": "personal", "kind": "low_rate", "rank": 22, "of": 52, "hidden_by_default": null }, { "segment": "personal", "kind": "balance_transfer", "rank": 16, "of": 22, "hidden_by_default": null } ] }, { "brand": "Credit Union SA", "brand_label": "Credit Union SA", "brand_slug": "credit-union-sa", "legal_entity_abn": "36087651232", "product_id": "CREDITUNIONSA_OD_570", "product_name": "Workplace Benefits Credit Card", "product_label": "Workplace Benefits Credit Card", "product_slug": "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", "fees_url": "https://www.creditunionsa.com.au/fees/credit-cards-and-overdrafts/", "eligibility_url": "https://www.creditunionsa.com.au/cards/workplace-benefits-credit-card/", "card_type": "credit", "scheme": "visa", "tier": null, "segments": [ "personal" ], "segment": "personal", "purchase_rate_pct": 11.49, "purchase_rate_is_base": null, "no_interest_card": null, "purchase_rate_range_pct": null, "cash_advance_rate_pct": 11.49, "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.", "fee_name": "Workplace Benefits Credit Card Periodic", "first_year_fee_waived": false, "fee_waived_for_group": true, "foreign_transaction_fee_pct": null, "foreign_transaction_fee": null, "cash_advance_fee_pct": null, "cash_advance_fee": null, "late_payment_fee": null, "additional_cardholder_fee": null, "bt_promo_rate_pct": null, "bt_promo_months": null, "bt_fee_pct": null, "bt_revert_rate_pct": null, "bt_revert_to": null, "rewards_program": null, "rewards_programs": [], "rewards_program_fee": null, "bonus_offer": null, "cashback_offer": null, "digital_wallets": [ "Apple Pay", "Google Pay", "Garmin Pay", "Samsung Pay" ], "instalment_plan": false, "additional_cards": null, "additional_cards_offered": true, "min_credit_limit": 1000.0, "max_credit_limit": 20000.0, "min_income": null, "min_age": 18, "restrictions": [ "occupation_membership" ], "who_can_open": { "restricted": true, "groups": [ { "kind": "occupation", "who": "only for employees of the companies on the Community Partnerships and Workplace Banking list", "level": "product", "quote": "These offers are available to any employee at any of the companies listed on the Community Partnerships and Workplace Banking page.", "source": "https://www.creditunionsa.com.au/cards/workplace-benefits-credit-card/", "citation": { "quote": "These offers are available to any employee at any of the companies listed on the Community Partnerships and Workplace Banking page.", "url": "https://www.creditunionsa.com.au/cards/workplace-benefits-credit-card/#:~:text=These%20offers%20are%20available%20to,Partnerships%20and%20Workplace%20Banking%20page.", "document_sha256": "ca7542831996e66fa8f8901e9a9f23421c99ab07b6ce94064ee5b1bbc4b32b89", "confirmed": "2026-11-12" } } ], "open_note": 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" ], "ranked": true, "unranked_reason": null, "source_kind": "feed", "record_stale": false, "source_url": "https://openbanking.api.creditunionsa.com.au/cds-au/v1/banking/products/CREDITUNIONSA_OD_570", "source_snapshot": "/au/finance/credit-cards/v1/source/credit-union-sa/CREDITUNIONSA_OD_570.json", "snapshot_at": "2026-11-12T02:35:51Z", "bank_last_updated": "2026-06-29T00:00:00.000+10:00", "document_links_source": { "terms_url": "found by hand 2026-11-01: terms and conditions", "key_facts_sheet_url": "found by hand 2026-11-01: Key Facts Sheet" }, "key_facts_sheet_url": "https://cms.creditunionsa.com.au/assets/documents/BRC_1006-Visa-Credit-Card-Key-Fact-Sheets.pdf", "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." } ], "rate_pct": 11.49, "rankings": [] }, { "brand": "Defence Bank", "brand_label": "Defence Bank", "brand_slug": "defence-bank", "legal_entity_abn": "57087651385", "product_id": "552", "product_name": "Defence Bank Foundation Credit Card", "product_label": "Foundation Credit Card", "product_slug": "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", "fees_url": "https://www.defencebank.com.au/creditcard", "eligibility_url": "https://www.defencebank.com.au/creditcard", "card_type": "credit", "scheme": "visa", "tier": null, "segments": [ "personal" ], "segment": "personal", "purchase_rate_pct": 8.99, "purchase_rate_is_base": null, "no_interest_card": null, "purchase_rate_range_pct": null, "cash_advance_rate_pct": 8.99, "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, "fee_name": "Annual Fee", "first_year_fee_waived": false, "fee_waived_for_group": null, "foreign_transaction_fee_pct": 3.0, "foreign_transaction_fee": null, "cash_advance_fee_pct": null, "cash_advance_fee": null, "late_payment_fee": null, "additional_cardholder_fee": null, "bt_promo_rate_pct": 3.99, "bt_promo_months": 6, "bt_fee_pct": null, "bt_revert_rate_pct": 8.99, "bt_revert_to": "cash_advance", "rewards_program": null, "rewards_programs": [], "rewards_program_fee": null, "bonus_offer": null, "cashback_offer": null, "digital_wallets": [ "Compatible with digital wallets from Ap…" ], "instalment_plan": false, "additional_cards": null, "additional_cards_offered": true, "min_credit_limit": null, "max_credit_limit": null, "min_income": null, "min_age": null, "restrictions": [], "who_can_open": { "restricted": false, "groups": [], "open_note": null }, "conditions": [ "corrected from the bank's own page: 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" ], "ranked": true, "unranked_reason": null, "source_kind": "feed", "record_stale": false, "source_url": "https://product.defencebank.com.au/cds-au/v1/banking/products/552", "source_snapshot": "/au/finance/credit-cards/v1/source/defence-bank/552.json", "snapshot_at": "2026-11-12T02:35:52Z", "bank_last_updated": "2026-03-16T00:00:00.000+11:00", "document_links_source": { "terms_url": "found by hand 2026-11-01: terms and conditions", "key_facts_sheet_url": "found by hand 2026-11-01: Key Facts Sheet" }, "key_facts_sheet_url": "https://www.defencebank.com.au/globalassets/documents/credit-cards/defence-bank-foundation-credit-card---key-facts-sheet.pdf", "correction": { "checked": "2026-10-30", "note": "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)", "fields": [ "cash_advance_rate_pct", "balance_transfer" ], "quotes": { "intro": { "text": "3.99% p.a. six month introductory rate on balance transfers, purchases and cash advances", "url": "https://www.defencebank.com.au/creditcard", "citation": { "quote": "3.99% p.a. six month introductory rate on balance transfers, purchases and cash advances", "url": "https://www.defencebank.com.au/creditcard#:~:text=3.99%25%20p.a.%20six%20month%20introductory,transfers%2C%20purchases%20and%20cash%20advances", "document_sha256": "2767c5b4aa8275d712a02d6c18e6529630944b42f01d5138efb31b84b876334c", "confirmed": "2026-11-12" } }, "rate": { "text": "8.99% p.a. ongoing rate on purchases and cash advances", "url": "https://www.defencebank.com.au/creditcard", "citation": { "quote": "8.99% p.a. ongoing rate on purchases and cash advances", "url": "https://www.defencebank.com.au/creditcard#:~:text=8.99%25%20p.a.%20ongoing%20rate%20on%20purchases%20and%20cash%20advances", "document_sha256": "2767c5b4aa8275d712a02d6c18e6529630944b42f01d5138efb31b84b876334c", "confirmed": "2026-11-12" } }, "annual_fee": { "text": "Half of the annual $45 card fee is donated to the Defence Bank Foundation", "url": "https://www.defencebank.com.au/creditcard", "citation": { "quote": "Half of the annual $45 card fee is donated to the Defence Bank Foundation", "url": "https://www.defencebank.com.au/creditcard#:~:text=Half%20of%20the%20annual%20%2445,to%20the%20Defence%20Bank%20Foundation", "document_sha256": "2767c5b4aa8275d712a02d6c18e6529630944b42f01d5138efb31b84b876334c", "confirmed": "2026-11-12" } } }, "verified": { "intro": "found", "rate": "found", "annual_fee": "found" } }, "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" } ], "rate_pct": 8.99, "rankings": [ { "segment": "personal", "kind": "low_rate", "rank": 4, "of": 52, "hidden_by_default": null }, { "segment": "personal", "kind": "balance_transfer", "rank": 21, "of": 22, "hidden_by_default": null } ] }, { "brand": "Firefighters Mutual Bank", "brand_label": "Firefighters Mutual Bank", "brand_slug": "firefighters-mutual-bank", "legal_entity_abn": "30087650459", "product_id": "5d479361-d2b4-42e6-83d4-7e5a2d7dcde5", "product_name": "Credit Card", "product_label": "Credit Card", "product_slug": "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", "fees_url": "https://www.fmbank.com.au/content/dam/documents/collateral/fees-and-charges.pdf", "eligibility_url": "https://www.fmbank.com.au/banking/credit-card", "card_type": "credit", "scheme": "visa", "tier": null, "segments": [ "personal" ], "segment": "personal", "purchase_rate_pct": 11.5, "purchase_rate_is_base": null, "no_interest_card": null, "purchase_rate_range_pct": null, "cash_advance_rate_pct": 11.5, "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", "fee_name": null, "first_year_fee_waived": false, "fee_waived_for_group": null, "foreign_transaction_fee_pct": 2.9, "foreign_transaction_fee": null, "cash_advance_fee_pct": null, "cash_advance_fee": 4.0, "late_payment_fee": 10.0, "additional_cardholder_fee": null, "bt_promo_rate_pct": 7.9, "bt_promo_months": 6, "bt_fee_pct": null, "bt_revert_rate_pct": 11.5, "bt_revert_to": "balance_transfer", "rewards_program": null, "rewards_programs": [], "rewards_program_fee": null, "bonus_offer": null, "cashback_offer": null, "digital_wallets": [ "Apple Pay", "Google Pay", "Samsung Pay" ], "instalment_plan": false, "additional_cards": null, "additional_cards_offered": true, "min_credit_limit": 1000.0, "max_credit_limit": 25000.0, "min_income": null, "min_age": 18, "restrictions": [ "occupation_membership" ], "who_can_open": { "restricted": true, "groups": [ { "kind": "occupation", "who": "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…", "level": "bank", "quote": "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 emergency services sector or are family members of members (i.e. shareholders) of the Bank.", "source": "feed: eligibility OTHER" } ], "open_note": 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…", "up to 55 interest-free days on purchases and on balance transfers", "$0 annual fee" ], "ranked": true, "unranked_reason": null, "source_kind": "feed", "record_stale": false, "source_url": "https://ob.tmbl.com.au/fmbank/cds-au/v1/banking/products/5d479361-d2b4-42e6-83d4-7e5a2d7dcde5", "source_snapshot": "/au/finance/credit-cards/v1/source/firefighters-mutual-bank/5d479361-d2b4-42e6-83d4-7e5a2d7dcde5.json", "snapshot_at": "2026-11-12T02:35:53Z", "bank_last_updated": "2026-09-09T15:09:04.000+10:00", "document_links_source": { "terms_url": "found by hand 2026-11-01: terms and conditions", "key_facts_sheet_url": "found by hand 2026-11-01: Key Facts Sheet" }, "key_facts_sheet_url": "https://www.fmbank.com.au/content/dam/documents/factsheets/cc-fact-sheet-tmb.pdf", "from_issuer_page": null, "rate_pct": 11.5, "rankings": [ { "segment": "personal", "kind": "low_rate", "rank": 19, "of": 62, "hidden_by_default": true }, { "segment": "personal", "kind": "balance_transfer", "rank": 25, "of": 29, "hidden_by_default": true } ] }, { "brand": "First Option Bank", "brand_label": "First Option Bank", "brand_slug": "first-option-bank", "legal_entity_abn": "95087650735", "product_id": "VISA_CREDIT_CARD", "product_name": "VISA CREDIT CARD", "product_label": "Visa Credit Card", "product_slug": "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/", "fees_url": "https://firstoptionbank.com.au/disclosure-statements/", "eligibility_url": "https://firstoptionbank.com.au/disclosure-statements/", "card_type": "credit", "scheme": "visa", "tier": null, "segments": [ "personal" ], "segment": "personal", "purchase_rate_pct": 10.49, "purchase_rate_is_base": null, "no_interest_card": null, "purchase_rate_range_pct": null, "cash_advance_rate_pct": 17.99, "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, "fee_name": "CREDIT_CARD_ANNUAL_FEE", "first_year_fee_waived": false, "fee_waived_for_group": null, "foreign_transaction_fee_pct": null, "foreign_transaction_fee": null, "cash_advance_fee_pct": null, "cash_advance_fee": null, "late_payment_fee": null, "additional_cardholder_fee": null, "bt_promo_rate_pct": null, "bt_promo_months": null, "bt_fee_pct": null, "bt_revert_rate_pct": null, "bt_revert_to": null, "rewards_program": null, "rewards_programs": [], "rewards_program_fee": null, "bonus_offer": null, "cashback_offer": null, "digital_wallets": [ "Apple Pay", "Samsung Pay" ], "instalment_plan": false, "additional_cards": null, "additional_cards_offered": null, "min_credit_limit": 500.0, "max_credit_limit": null, "min_income": null, "min_age": 18, "restrictions": [], "who_can_open": { "restricted": false, "groups": [], "open_note": null }, "conditions": [ "no late payment fee", "0.25% of card spending is given to conservation projects at no cost to the cardholder" ], "ranked": true, "unranked_reason": null, "source_kind": "feed", "record_stale": false, "source_url": "https://internetbanking.firstoption.com.au/OpenBanking/cds-au/v1/banking/products/VISA_CREDIT_CARD", "source_snapshot": "/au/finance/credit-cards/v1/source/first-option-bank/VISA_CREDIT_CARD.json", "snapshot_at": "2026-11-12T02:35:53Z", "bank_last_updated": "2026-06-02T12:56:29.000+10:00", "key_facts_sheet_url": "https://firstoptionbank.com.au/wp-content/uploads/2024/01/Low-Rate_Visa_Credit_Card_Key_Fact_Sheet.pdf", "document_links_source": { "key_facts_sheet_url": "found by hand 2026-11-01: Key Facts Sheet" }, "from_issuer_page": null, "rate_pct": 10.49, "rankings": [ { "segment": "personal", "kind": "low_rate", "rank": 10, "of": 52, "hidden_by_default": null } ] }, { "brand": "Great Southern Bank", "brand_label": "Great Southern Bank", "brand_slug": "great-southern-bank", "legal_entity_abn": "44087650959", "product_id": "2691-0100", "product_name": "Low Rate Credit Card (New)", "product_label": "Low Rate Credit Card (New)", "product_slug": "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", "fees_url": "https://www.greatsouthernbank.com.au/__data/assets/pdf_file/0021/45903/RC00688_Schedule_of_Fees_CREDIT_CARD_250910.pdf", "eligibility_url": "https://www.greatsouthernbank.com.au/credit-cards/low-rate", "card_type": "credit", "scheme": "visa", "tier": null, "segments": [ "personal" ], "segment": "personal", "purchase_rate_pct": 11.99, "purchase_rate_is_base": null, "no_interest_card": null, "purchase_rate_range_pct": null, "cash_advance_rate_pct": 21.74, "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, "fee_name": "Monthly Card fee", "first_year_fee_waived": false, "fee_waived_for_group": null, "foreign_transaction_fee_pct": null, "foreign_transaction_fee": null, "cash_advance_fee_pct": null, "cash_advance_fee": null, "late_payment_fee": null, "additional_cardholder_fee": null, "bt_promo_rate_pct": null, "bt_promo_months": null, "bt_fee_pct": null, "bt_revert_rate_pct": null, "bt_revert_to": null, "rewards_program": null, "rewards_programs": [], "rewards_program_fee": null, "bonus_offer": null, "cashback_offer": null, "digital_wallets": [ "Apple Pay", "Google Pay" ], "instalment_plan": false, "additional_cards": 3, "additional_cards_offered": true, "min_credit_limit": 500.0, "max_credit_limit": null, "min_income": null, "min_age": 18, "restrictions": [], "who_can_open": { "restricted": false, "groups": [], "open_note": 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" ], "ranked": true, "unranked_reason": null, "source_kind": "feed", "record_stale": false, "source_url": "https://api.open-banking.greatsouthernbank.com.au/cds-au/v1/banking/products/2691-0100", "source_snapshot": "/au/finance/credit-cards/v1/source/great-southern-bank/2691-0100.json", "snapshot_at": "2026-11-12T02:35:54Z", "bank_last_updated": "2026-10-30T21:01:00.00000Z", "key_facts_sheet_url": "https://www.greatsouthernbank.com.au/__data/assets/pdf_file/0025/536155/KFS_KEY-FACTS-SHEET_250725.pdf", "document_links_source": { "key_facts_sheet_url": "found by hand 2026-11-01: Key Facts Sheet" }, "from_issuer_page": null, "rate_pct": 11.99, "rankings": [ { "segment": "personal", "kind": "low_rate", "rank": 23, "of": 52, "hidden_by_default": null } ] }, { "brand": "Great Southern Bank", "brand_label": "Great Southern Bank", "brand_slug": "great-southern-bank", "legal_entity_abn": "44087650959", "product_id": "2695-0100", "product_name": "Platinum Credit Card", "product_label": "Platinum Credit Card", "product_slug": "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", "fees_url": "https://www.greatsouthernbank.com.au/__data/assets/pdf_file/0021/45903/RC00688_Schedule_of_Fees_CREDIT_CARD_250910.pdf", "eligibility_url": "https://www.greatsouthernbank.com.au/credit-cards/platinum", "card_type": "credit", "scheme": "visa", "tier": "platinum", "segments": [ "personal" ], "segment": "personal", "purchase_rate_pct": 19.99, "purchase_rate_is_base": null, "no_interest_card": null, "purchase_rate_range_pct": null, "cash_advance_rate_pct": 21.74, "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, "fee_name": "Monthly Card fee", "first_year_fee_waived": false, "fee_waived_for_group": null, "foreign_transaction_fee_pct": 0.0, "foreign_transaction_fee": null, "cash_advance_fee_pct": null, "cash_advance_fee": null, "late_payment_fee": null, "additional_cardholder_fee": null, "bt_promo_rate_pct": null, "bt_promo_months": null, "bt_fee_pct": null, "bt_revert_rate_pct": null, "bt_revert_to": null, "rewards_program": "Cashback", "rewards_programs": [ "Cashback" ], "rewards_program_fee": null, "bonus_offer": null, "cashback_offer": null, "digital_wallets": [ "Apple Pay", "Google Pay" ], "instalment_plan": false, "additional_cards": 3, "additional_cards_offered": true, "min_credit_limit": 6000.0, "max_credit_limit": null, "min_income": null, "min_age": 18, "restrictions": [], "who_can_open": { "restricted": false, "groups": [], "open_note": null }, "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)" ], "ranked": true, "unranked_reason": null, "source_kind": "feed", "record_stale": false, "source_url": "https://api.open-banking.greatsouthernbank.com.au/cds-au/v1/banking/products/2695-0100", "source_snapshot": "/au/finance/credit-cards/v1/source/great-southern-bank/2695-0100.json", "snapshot_at": "2026-11-12T02:35:54Z", "bank_last_updated": "2026-10-30T21:01:00.00000Z", "key_facts_sheet_url": "https://www.greatsouthernbank.com.au/__data/assets/pdf_file/0025/536155/KFS_KEY-FACTS-SHEET_250725.pdf", "document_links_source": { "key_facts_sheet_url": "found by hand 2026-11-01: Key Facts Sheet" }, "correction": { "checked": "2026-11-07", "note": "19.99% on purchases, a $12 monthly fee and no international fees on purchases (fees current as at 20 September 2025)", "fields": [ "foreign_transaction_fee_pct" ], "quotes": { "fee": { "text": "No annual fee shock. Just a low $12 monthly fee.", "url": "https://www.greatsouthernbank.com.au/credit-cards/platinum", "citation": { "quote": "No annual fee shock. Just a low $12 monthly fee.", "url": "https://www.greatsouthernbank.com.au/credit-cards/platinum#:~:text=No%20annual%20fee%20shock.%20Just%20a%20low%20%2412%20monthly%20fee.", "document_sha256": "8d49032a2fefd0bef349ce32251059b983b9f3f108814a1921d70a16f4c2e067", "confirmed": "2026-11-12" } }, "foreign": { "text": "No international fees on your purchases overseas.", "url": "https://www.greatsouthernbank.com.au/credit-cards/platinum", "citation": { "quote": "No international fees on your purchases overseas.", "url": "https://www.greatsouthernbank.com.au/credit-cards/platinum#:~:text=No%20international%20fees%20on%20your%20purchases%20overseas.", "document_sha256": "8d49032a2fefd0bef349ce32251059b983b9f3f108814a1921d70a16f4c2e067", "confirmed": "2026-11-12" } } }, "verified": { "fee": "found", "foreign": "found" } }, "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." } ], "rate_pct": 19.99, "rankings": [ { "segment": "personal", "kind": "rewards", "rank": 10, "of": 24, "hidden_by_default": null } ] }, { "brand": "Greater Bank", "brand_label": "Greater Bank", "brand_slug": "greater-bank", "legal_entity_abn": "96087651992", "product_id": "3220", "product_name": "Visa Credit Card", "product_label": "Visa Credit Card", "product_slug": "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", "fees_url": "https://www.greater.com.au/siteassets/calculators-rate-and-support/documents/disclosure-documents/fees-and-charges/creditcard_feesandchargesform.pdf", "eligibility_url": null, "card_type": "credit", "scheme": "visa", "tier": null, "segments": [ "personal" ], "segment": "personal", "purchase_rate_pct": 9.95, "purchase_rate_is_base": null, "no_interest_card": null, "purchase_rate_range_pct": null, "cash_advance_rate_pct": 9.95, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 55, "annual_fee": 49.0, "fee_period": "annual", "fee_as_stated": 49.0, "annual_fee_stated": true, "annual_fee_note": null, "fee_name": "Annual fee", "first_year_fee_waived": false, "fee_waived_for_group": null, "foreign_transaction_fee_pct": null, "foreign_transaction_fee": null, "cash_advance_fee_pct": 2.0, "cash_advance_fee": null, "late_payment_fee": 20.0, "additional_cardholder_fee": null, "bt_promo_rate_pct": null, "bt_promo_months": null, "bt_fee_pct": null, "bt_revert_rate_pct": null, "bt_revert_to": null, "rewards_program": null, "rewards_programs": [], "rewards_program_fee": null, "bonus_offer": null, "cashback_offer": null, "digital_wallets": [ "Google Pay", "Apple Pay" ], "instalment_plan": false, "additional_cards": 9, "additional_cards_offered": true, "min_credit_limit": 1000.0, "max_credit_limit": 25000.0, "min_income": null, "min_age": 18, "restrictions": [], "who_can_open": { "restricted": false, "groups": [], "open_note": 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" ], "ranked": true, "unranked_reason": null, "source_kind": "feed", "record_stale": false, "source_url": "https://public.cdr.greater.com.au/cds-au/v1/banking/products/3220", "source_snapshot": "/au/finance/credit-cards/v1/source/greater-bank/3220.json", "snapshot_at": "2026-11-12T02:35:54Z", "bank_last_updated": "2026-11-04T13:00:00Z", "from_issuer_page": null, "rate_pct": 9.95, "rankings": [ { "segment": "personal", "kind": "low_rate", "rank": 7, "of": 52, "hidden_by_default": null } ] }, { "brand": "Greater Bank", "brand_label": "Greater Bank", "brand_slug": "greater-bank", "legal_entity_abn": "96087651992", "product_id": "3215", "product_name": "Business Visa Credit Card", "product_label": "Business Visa Credit Card", "product_slug": "business-visa-credit-card", "page": "/au/finance/credit-cards/cards/greater-bank/business-visa-credit-card/", "product_url": "https://www.greater.com.au/business/services/", "terms_url": "https://www.greater.com.au/termsandconditions", "fees_url": "https://www.greater.com.au/siteassets/calculators-rate-and-support/documents/disclosure-documents/fees-and-charges/businessvisacreditcard_feesandchargesform.pdf", "eligibility_url": null, "card_type": "credit", "scheme": "visa", "tier": null, "segments": [ "business" ], "segment": "business", "purchase_rate_pct": 6.96, "purchase_rate_is_base": true, "no_interest_card": null, "purchase_rate_range_pct": null, "cash_advance_rate_pct": 6.96, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 55, "annual_fee": 20.0, "fee_period": "annual", "fee_as_stated": 20.0, "annual_fee_stated": true, "annual_fee_note": "the feed lists several card fees; the lowest is shown, the others being $49.00 a year", "fee_name": "Card fee", "first_year_fee_waived": false, "fee_waived_for_group": null, "foreign_transaction_fee_pct": null, "foreign_transaction_fee": null, "cash_advance_fee_pct": 2.0, "cash_advance_fee": null, "late_payment_fee": null, "additional_cardholder_fee": null, "bt_promo_rate_pct": null, "bt_promo_months": null, "bt_fee_pct": null, "bt_revert_rate_pct": null, "bt_revert_to": null, "rewards_program": null, "rewards_programs": [], "rewards_program_fee": null, "bonus_offer": null, "cashback_offer": null, "digital_wallets": [ "Google Pay", "Apple Pay" ], "instalment_plan": false, "additional_cards": 9, "additional_cards_offered": true, "min_credit_limit": 1000.0, "max_credit_limit": 100000.0, "min_income": null, "min_age": 18, "restrictions": [], "who_can_open": { "restricted": false, "groups": [], "open_note": null }, "conditions": [ "the feed gives a base rate to which the bank adds a margin: Base rate disclosed. Margins will be applied.", "the feed lists several card fees; the lowest is shown, the others being $49.00 a year", "credit limit $1,000 to $100,000", "Applicants must meet applicable identification requirements and lending criteria, including demonstrating an ability to afford repayments.", "business: Businesses only" ], "ranked": false, "unranked_reason": "base_rate_only", "source_kind": "feed", "record_stale": false, "source_url": "https://public.cdr.greater.com.au/cds-au/v1/banking/products/3215", "source_snapshot": "/au/finance/credit-cards/v1/source/greater-bank/3215.json", "snapshot_at": "2026-11-12T02:35:54Z", "bank_last_updated": "2026-11-04T13:00:00Z", "from_issuer_page": null, "rate_pct": 6.96, "rankings": [] }, { "brand": "Health Professionals Bank", "brand_label": "Health Professionals Bank", "brand_slug": "health-professionals-bank", "legal_entity_abn": "30087650459", "product_id": "a6b1d3e9-de46-421f-a05e-84e40d3238d9", "product_name": "Credit Card", "product_label": "Credit Card", "product_slug": "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", "fees_url": "https://www.hpbank.com.au/content/dam/documents/collateral/fees-and-charges.pdf", "eligibility_url": "https://www.hpbank.com.au/banking/credit-card", "card_type": "credit", "scheme": "visa", "tier": null, "segments": [ "personal" ], "segment": "personal", "purchase_rate_pct": 11.5, "purchase_rate_is_base": null, "no_interest_card": null, "purchase_rate_range_pct": null, "cash_advance_rate_pct": 11.5, "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", "fee_name": null, "first_year_fee_waived": false, "fee_waived_for_group": null, "foreign_transaction_fee_pct": 2.9, "foreign_transaction_fee": null, "cash_advance_fee_pct": null, "cash_advance_fee": 4.0, "late_payment_fee": 10.0, "additional_cardholder_fee": null, "bt_promo_rate_pct": 7.9, "bt_promo_months": 6, "bt_fee_pct": null, "bt_revert_rate_pct": 11.5, "bt_revert_to": "balance_transfer", "rewards_program": null, "rewards_programs": [], "rewards_program_fee": null, "bonus_offer": null, "cashback_offer": null, "digital_wallets": [ "Apple Pay", "Google Pay", "Samsung Pay" ], "instalment_plan": false, "additional_cards": null, "additional_cards_offered": true, "min_credit_limit": 1000.0, "max_credit_limit": 25000.0, "min_income": null, "min_age": 18, "restrictions": [ "occupation_membership" ], "who_can_open": { "restricted": true, "groups": [ { "kind": "occupation", "who": "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", "level": "bank", "quote": "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 or are family members of members (i.e. shareholders) of the Bank.", "source": "feed: eligibility OTHER" } ], "open_note": 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…", "balance transfers are paid by BPAY, so some card issuers cannot be paid", "up to 55 interest-free days also apply to balance transfers, not only purchases" ], "ranked": true, "unranked_reason": null, "source_kind": "feed", "record_stale": false, "source_url": "https://ob.tmbl.com.au/hpbank/cds-au/v1/banking/products/a6b1d3e9-de46-421f-a05e-84e40d3238d9", "source_snapshot": "/au/finance/credit-cards/v1/source/health-professionals-bank/a6b1d3e9-de46-421f-a05e-84e40d3238d9.json", "snapshot_at": "2026-11-12T02:35:54Z", "bank_last_updated": "2026-09-09T15:07:02.000+10:00", "document_links_source": { "terms_url": "found by hand 2026-11-01: terms and conditions", "key_facts_sheet_url": "found by hand 2026-11-01: Key Facts Sheet" }, "key_facts_sheet_url": "https://www.hpbank.com.au/content/dam/documents/factsheets/cc-fact-sheet-tmb.pdf", "from_issuer_page": null, "rate_pct": 11.5, "rankings": [ { "segment": "personal", "kind": "low_rate", "rank": 20, "of": 62, "hidden_by_default": true }, { "segment": "personal", "kind": "balance_transfer", "rank": 26, "of": 29, "hidden_by_default": true } ] }, { "brand": "Horizon Bank", "brand_label": "Horizon Bank", "brand_slug": "horizon-bank", "legal_entity_abn": "66087650173", "product_id": "S97_S970001", "product_name": "VISA CREDIT CARD", "product_label": "Visa Credit Card", "product_slug": "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/", "fees_url": "https://horizonbank.com.au/loans/credit-facilities/visa-credit-card/", "eligibility_url": "https://horizonbank.com.au/loans/credit-facilities/visa-credit-card/", "card_type": "credit", "scheme": "visa", "tier": null, "segments": [ "personal" ], "segment": "personal", "purchase_rate_pct": 12.95, "purchase_rate_is_base": null, "no_interest_card": null, "purchase_rate_range_pct": null, "cash_advance_rate_pct": 12.95, "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, "fee_name": null, "first_year_fee_waived": false, "fee_waived_for_group": null, "foreign_transaction_fee_pct": null, "foreign_transaction_fee": null, "cash_advance_fee_pct": null, "cash_advance_fee": null, "late_payment_fee": null, "additional_cardholder_fee": null, "bt_promo_rate_pct": null, "bt_promo_months": null, "bt_fee_pct": null, "bt_revert_rate_pct": null, "bt_revert_to": null, "rewards_program": null, "rewards_programs": [], "rewards_program_fee": null, "bonus_offer": null, "cashback_offer": null, "digital_wallets": [ "Apple Pay", "Samsung Pay", "Google Pay" ], "instalment_plan": false, "additional_cards": null, "additional_cards_offered": true, "min_credit_limit": 500.0, "max_credit_limit": 30000, "min_income": null, "min_age": 18, "restrictions": [], "who_can_open": { "restricted": false, "groups": [], "open_note": 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", "must become a Horizon member (anyone can apply)" ], "ranked": true, "unranked_reason": null, "source_kind": "feed", "record_stale": false, "source_url": "https://onlinebanking.horizonbank.com.au/openbanking/cds-au/v1/banking/products/S97_S970001", "source_snapshot": "/au/finance/credit-cards/v1/source/horizon-bank/S97_S970001.json", "snapshot_at": "2026-11-12T02:35:54Z", "bank_last_updated": "2026-11-04T10:53:38.000+11:00", "document_links_source": { "terms_url": "found by hand 2026-11-01: terms and conditions", "key_facts_sheet_url": "found by hand 2026-11-01: Key Facts Sheet" }, "key_facts_sheet_url": "https://horizonbank.com.au/media/3900/credit-card-key-fact-sheet-010924.pdf", "correction": { "checked": "2026-11-07", "note": "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", "fields": [ "annual_fee", "annual_fee_stated", "fee_as_stated", "fee_period", "intro_purchase_months", "intro_purchase_rate_pct", "max_credit_limit" ], "quotes": { "annual_fee": { "text": "Annual fee $49", "url": "https://horizonbank.com.au/media/3900/credit-card-key-fact-sheet-010924.pdf", "citation": { "quote": "Annual fee $49", "url": "https://horizonbank.com.au/media/3900/credit-card-key-fact-sheet-010924.pdf#page=1", "page": 1, "document_sha256": "d547dc34b449d6ddabd5469370f04ff32f2ee23f1b9e9f489a69eaabbaea2de9", "confirmed": "2026-11-12" } }, "intro": { "text": "4.99% p.a. introductory rate – applicable for a 5 month period", "url": "https://horizonbank.com.au/media/3900/credit-card-key-fact-sheet-010924.pdf", "citation": { "quote": "4.99% p.a. introductory rate – applicable for a 5 month period", "url": "https://horizonbank.com.au/media/3900/credit-card-key-fact-sheet-010924.pdf#page=1", "page": 1, "document_sha256": "d547dc34b449d6ddabd5469370f04ff32f2ee23f1b9e9f489a69eaabbaea2de9", "confirmed": "2026-11-12" } }, "credit_limit": { "text": "The minimum amount you can borrow for a Visa Credit Card is $500 and the maximum amount is $30,000.", "url": "https://horizonbank.com.au/help/faqs/visa-credit-card-faqs/", "citation": { "quote": "The minimum amount you can borrow for a Visa Credit Card is $500 and the maximum amount is $30,000.", "url": "https://horizonbank.com.au/help/faqs/visa-credit-card-faqs/#:~:text=The%20minimum%20amount%20you%20can,the%20maximum%20amount%20is%20%2430%2C000.", "document_sha256": "0ecb878032b91e8f32e9fa99d86edd907fa461cd6826adcb2b5df305fd17cd8c", "confirmed": "2026-11-12" } } }, "verified": { "annual_fee": "found", "intro": "found", "credit_limit": "found" } }, "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" } ], "rate_pct": 12.95, "rankings": [ { "segment": "personal", "kind": "low_rate", "rank": 28, "of": 52, "hidden_by_default": null } ] }, { "brand": "HSBC Bank Australia Limited – Wholesale Banking", "brand_label": "HSBC (wholesale)", "brand_slug": "hsbc-bank-australia-limited-wholesale-banking", "legal_entity_abn": "48006434162", "product_id": "CR2", "product_name": "HSBC Corporate or Purchasing Card", "product_label": "Corporate or Purchasing Card", "product_slug": "corporate-or-purchasing-card", "page": "/au/finance/credit-cards/cards/hsbc-bank-australia-limited-wholesale-banking/corporate-or-purchasing-card/", "product_url": "https://www.business.hsbc.com.au/en-au/solutions/corporate-card", "terms_url": "https://www.business.hsbc.com.au/en-au/solutions/corporate-card", "fees_url": null, "eligibility_url": "https://www.business.hsbc.com.au/en-au/solutions/corporate-card", "card_type": "corporate", "scheme": "mastercard", "tier": null, "segments": [ "business" ], "segment": "business", "purchase_rate_pct": null, "purchase_rate_is_base": null, "no_interest_card": null, "purchase_rate_range_pct": null, "cash_advance_rate_pct": 15.75, "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, "fee_name": "Annual fee", "first_year_fee_waived": false, "fee_waived_for_group": null, "foreign_transaction_fee_pct": 3.0, "foreign_transaction_fee": null, "cash_advance_fee_pct": null, "cash_advance_fee": 2.5, "late_payment_fee": null, "additional_cardholder_fee": null, "bt_promo_rate_pct": null, "bt_promo_months": null, "bt_fee_pct": null, "bt_revert_rate_pct": null, "bt_revert_to": null, "rewards_program": null, "rewards_programs": [], "rewards_program_fee": null, "bonus_offer": null, "cashback_offer": null, "digital_wallets": [], "instalment_plan": false, "additional_cards": null, "additional_cards_offered": true, "min_credit_limit": null, "max_credit_limit": null, "min_income": null, "min_age": null, "restrictions": [], "who_can_open": { "restricted": false, "groups": [], "open_note": null }, "conditions": [ "not updated by the bank since 2025-12-02; check its page, as the rate or fee may have changed", "business: Corporate applicants only. Company Liability.", "annual fee charged as standard but may be negotiable" ], "ranked": false, "unranked_reason": "corporate_program", "source_kind": "feed", "record_stale": true, "source_url": "https://public.ob.business.hsbc.com.au/cds-au/v1/banking/products/CR2", "source_snapshot": "/au/finance/credit-cards/v1/source/hsbc-bank-australia-limited-wholesale-banking/CR2.json", "snapshot_at": "2026-11-12T02:35:54Z", "bank_last_updated": "2025-12-02T07:07:11.406Z", "from_issuer_page": null, "rate_pct": null, "rankings": [] }, { "brand": "HSBC Bank Australia Limited – Wholesale Banking", "brand_label": "HSBC (wholesale)", "brand_slug": "hsbc-bank-australia-limited-wholesale-banking", "legal_entity_abn": "48006434162", "product_id": "CR3", "product_name": "HSBC Virtual Card", "product_label": "Virtual Card", "product_slug": "virtual-card", "page": "/au/finance/credit-cards/cards/hsbc-bank-australia-limited-wholesale-banking/virtual-card/", "product_url": "https://www.business.hsbc.com.au/en-au/solutions/corporate-card", "terms_url": "https://www.business.hsbc.com.au/en-au/solutions/corporate-card", "fees_url": "https://www.business.hsbc.com.au/en-au/solutions/corporate-card", "eligibility_url": "https://www.business.hsbc.com.au/en-au/solutions/corporate-card", "card_type": "corporate", "scheme": "mastercard", "tier": null, "segments": [ "business" ], "segment": "business", "purchase_rate_pct": null, "purchase_rate_is_base": null, "no_interest_card": null, "purchase_rate_range_pct": null, "cash_advance_rate_pct": 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", "fee_name": null, "first_year_fee_waived": false, "fee_waived_for_group": null, "foreign_transaction_fee_pct": 3.0, "foreign_transaction_fee": null, "cash_advance_fee_pct": null, "cash_advance_fee": null, "late_payment_fee": null, "additional_cardholder_fee": null, "bt_promo_rate_pct": null, "bt_promo_months": null, "bt_fee_pct": null, "bt_revert_rate_pct": null, "bt_revert_to": null, "rewards_program": null, "rewards_programs": [], "rewards_program_fee": null, "bonus_offer": null, "cashback_offer": null, "digital_wallets": [], "instalment_plan": false, "additional_cards": null, "additional_cards_offered": true, "min_credit_limit": null, "max_credit_limit": null, "min_income": null, "min_age": null, "restrictions": [], "who_can_open": { "restricted": false, "groups": [], "open_note": null }, "conditions": [ "not updated by the bank since 2025-12-02; check its page, as the rate or fee may have changed", "business: Business / Corporate applicants only" ], "ranked": false, "unranked_reason": "corporate_program", "source_kind": "feed", "record_stale": true, "source_url": "https://public.ob.business.hsbc.com.au/cds-au/v1/banking/products/CR3", "source_snapshot": "/au/finance/credit-cards/v1/source/hsbc-bank-australia-limited-wholesale-banking/CR3.json", "snapshot_at": "2026-11-12T02:35:54Z", "bank_last_updated": "2025-12-02T07:09:54.418Z", "from_issuer_page": null, "rate_pct": null, "rankings": [] }, { "brand": "Hume Bank", "brand_label": "Hume Bank", "brand_slug": "hume-bank", "legal_entity_abn": "85051868556", "product_id": "S5V2", "product_name": "Business Visa", "product_label": "Business Visa", "product_slug": "business-visa", "page": "/au/finance/credit-cards/cards/hume-bank/business-visa/", "product_url": "https://www.humebank.com.au/business/business-visa-credit-card", "terms_url": "https://www.humebank.com.au/tools-help/product-tcs/", "fees_url": "https://www.humebank.com.au/media/2023/04/Business-Credit-Card-Fees-and-Charges_2.pdf", "eligibility_url": "https://www.humebank.com.au/tools-help/product-tcs/", "card_type": "credit", "scheme": "visa", "tier": null, "segments": [ "business" ], "segment": "business", "purchase_rate_pct": 13.6, "purchase_rate_is_base": null, "no_interest_card": null, "purchase_rate_range_pct": null, "cash_advance_rate_pct": 19.95, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 55, "annual_fee": 60.0, "fee_period": "annual", "fee_as_stated": 60.0, "annual_fee_stated": true, "annual_fee_note": null, "fee_name": "FEEVANN", "first_year_fee_waived": false, "fee_waived_for_group": null, "foreign_transaction_fee_pct": null, "foreign_transaction_fee": null, "cash_advance_fee_pct": null, "cash_advance_fee": null, "late_payment_fee": null, "additional_cardholder_fee": null, "bt_promo_rate_pct": null, "bt_promo_months": null, "bt_fee_pct": null, "bt_revert_rate_pct": null, "bt_revert_to": null, "rewards_program": null, "rewards_programs": [], "rewards_program_fee": null, "bonus_offer": null, "cashback_offer": null, "digital_wallets": [ "Apple Pay", "Google Pay", "Garmin Pay" ], "instalment_plan": false, "additional_cards": null, "additional_cards_offered": true, "min_credit_limit": 5000.0, "max_credit_limit": null, "min_income": null, "min_age": 18, "restrictions": [], "who_can_open": { "restricted": false, "groups": [], "open_note": null }, "conditions": [ "corrected from the bank's own page: 13.60% on purchases unsecured (10.10% secured on a home, 10.60% on commercial property) and 19.95% on cash advances, per the bank's business card page; the feed gives no rate, so the unsecured rate is ranked", "credit limit from $5,000", "Business customers only", "$60 annual fee waived if the previous year's purchases exceed $24,000", "2.85% foreign conversion fee; $20 late payment fee", "purchase rate depends on security: 10.10% residentially secured, 10.60% commercially secured, 13.60% unsecured; 19.95% cash advances" ], "ranked": true, "unranked_reason": null, "source_kind": "feed", "record_stale": false, "source_url": "https://ibankob.humebank.com.au/OpenBanking/cds-au/v1/banking/products/S5V2", "source_snapshot": "/au/finance/credit-cards/v1/source/hume-bank/S5V2.json", "snapshot_at": "2026-11-12T02:35:55Z", "bank_last_updated": "2026-05-01T11:51:28.000+10:00", "document_links_source": { "fees_url": "found by hand 2026-11-01: fees and charges", "key_facts_sheet_url": "found by hand 2026-11-01: Key Facts Sheet" }, "key_facts_sheet_url": "https://www.humebank.com.au/media/2023/04/Business-Credit-Card-Key-Facts.pdf", "correction": { "checked": "2026-11-01", "note": "13.60% on purchases unsecured (10.10% secured on a home, 10.60% on commercial property) and 19.95% on cash advances, per the bank's business card page; the feed gives no rate, so the unsecured rate is ranked", "fields": [ "cash_advance_rate_pct", "purchase_rate_pct", "ranked", "unranked_reason" ], "quotes": { "rate": { "text": "Residential 10.10% 19.95% Commercial 10.60% 19.95% Unsecured 13.60% 19.95%", "url": "https://www.humebank.com.au/business/business-visa-credit-card/", "citation": { "quote": "Residential 10.10% 19.95% Commercial 10.60% 19.95% Unsecured 13.60% 19.95%", "url": "https://www.humebank.com.au/business/business-visa-credit-card/#:~:text=Residential%2010.10%25%2019.95%25%20Commercial%2010.60%25%2019.95%25%20Unsecured%2013.60%25%2019.95%25", "document_sha256": "83cf7e218468caac2bc7bd6b4ecf1eadfb57beadbbfdbdcd5e0f71464919b827", "confirmed": "2026-11-12" } } }, "verified": { "rate": "found" } }, "from_issuer_page": [ { "source": "correction", "fields": [ "purchase_rate_pct", "cash_advance_rate_pct" ], "confirmed": "2026-11-12", "url": "https://www.humebank.com.au/business/business-visa-credit-card/#:~:text=Residential%2010.10%25%2019.95%25%20Commercial%2010.60%25%2019.95%25%20Unsecured%2013.60%25%2019.95%25", "quote": "Residential 10.10% 19.95% Commercial 10.60% 19.95% Unsecured 13.60% 19.95%" } ], "rate_pct": 13.6, "rankings": [ { "segment": "business", "kind": "low_rate", "rank": 8, "of": 13, "hidden_by_default": null } ] }, { "brand": "Hume Bank", "brand_label": "Hume Bank", "brand_slug": "hume-bank", "legal_entity_abn": "85051868556", "product_id": "S32V1", "product_name": "Visa Clear", "product_label": "Visa Clear", "product_slug": "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/", "fees_url": "https://www.humebank.com.au/media/2023/04/Credit-Card-Fees-and-Charges1.pdf", "eligibility_url": "https://www.humebank.com.au/tools-help/product-tcs/", "card_type": "credit", "scheme": "visa", "tier": null, "segments": [ "personal" ], "segment": "personal", "purchase_rate_pct": 14.95, "purchase_rate_is_base": null, "no_interest_card": null, "purchase_rate_range_pct": null, "cash_advance_rate_pct": 19.95, "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", "fee_name": "FEEVISAAN", "first_year_fee_waived": false, "fee_waived_for_group": null, "foreign_transaction_fee_pct": null, "foreign_transaction_fee": null, "cash_advance_fee_pct": null, "cash_advance_fee": null, "late_payment_fee": null, "additional_cardholder_fee": null, "bt_promo_rate_pct": null, "bt_promo_months": null, "bt_fee_pct": null, "bt_revert_rate_pct": null, "bt_revert_to": null, "rewards_program": null, "rewards_programs": [], "rewards_program_fee": null, "bonus_offer": null, "cashback_offer": null, "digital_wallets": [ "Apple Pay", "Google Pay", "Garmin Pay" ], "instalment_plan": false, "additional_cards": null, "additional_cards_offered": true, "min_credit_limit": 500.0, "max_credit_limit": 50000.0, "min_income": null, "min_age": 18, "restrictions": [], "who_can_open": { "restricted": false, "groups": [], "open_note": 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" ], "ranked": true, "unranked_reason": null, "source_kind": "feed", "record_stale": true, "source_url": "https://ibankob.humebank.com.au/OpenBanking/cds-au/v1/banking/products/S32V1", "source_snapshot": "/au/finance/credit-cards/v1/source/hume-bank/S32V1.json", "snapshot_at": "2026-11-12T02:35:55Z", "bank_last_updated": "2026-05-01T11:47:56.000+10:00", "document_links_source": { "fees_url": "found by hand 2026-11-01: fees and charges", "key_facts_sheet_url": "found by hand 2026-11-01: Key Facts Sheet" }, "key_facts_sheet_url": "https://www.humebank.com.au/media/2023/03/Key-Facts-About-This-Credit-Card-Personal.pdf", "from_issuer_page": null, "rate_pct": 14.95, "rankings": [] }, { "brand": "Hume Bank", "brand_label": "Hume Bank", "brand_slug": "hume-bank", "legal_entity_abn": "85051868556", "product_id": "S31V1", "product_name": "Visa Value", "product_label": "Visa Value", "product_slug": "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/", "fees_url": "https://www.humebank.com.au/media/2023/04/Credit-Card-Fees-and-Charges1.pdf", "eligibility_url": "https://www.humebank.com.au/tools-help/product-tcs/", "card_type": "credit", "scheme": "visa", "tier": null, "segments": [ "personal" ], "segment": "personal", "purchase_rate_pct": 11.95, "purchase_rate_is_base": null, "no_interest_card": null, "purchase_rate_range_pct": null, "cash_advance_rate_pct": 19.95, "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", "fee_name": null, "first_year_fee_waived": false, "fee_waived_for_group": null, "foreign_transaction_fee_pct": null, "foreign_transaction_fee": null, "cash_advance_fee_pct": null, "cash_advance_fee": null, "late_payment_fee": null, "additional_cardholder_fee": null, "bt_promo_rate_pct": null, "bt_promo_months": null, "bt_fee_pct": null, "bt_revert_rate_pct": null, "bt_revert_to": null, "rewards_program": null, "rewards_programs": [], "rewards_program_fee": null, "bonus_offer": null, "cashback_offer": null, "digital_wallets": [ "Apple Pay", "Google Pay", "Garmin Pay" ], "instalment_plan": false, "additional_cards": null, "additional_cards_offered": true, "min_credit_limit": 500.0, 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"rankings": [] }, { "brand": "Macquarie Bank Limited", "brand_label": "Macquarie Bank", "brand_slug": "macquarie-bank-limited", "legal_entity_abn": "46008583542", "product_id": "498415VGSGLD", "product_name": "Macquarie Platinum Card", "product_label": "Platinum Card", "product_slug": "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", "fees_url": "https://www.macquarie.com.au/everyday-banking/credit-cards/platinum-rewards.html#tab-panels-0-account-fees", "eligibility_url": "https://www.macquarie.com.au/everyday-banking/credit-cards.html#how-to-apply", "card_type": "credit", "scheme": "visa", "tier": "platinum", "segments": [ "personal" ], "segment": "personal", "purchase_rate_pct": 20.7, "purchase_rate_is_base": 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"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" ], "ranked": true, "unranked_reason": null, "source_kind": "feed", "record_stale": false, "source_url": "https://api-openbanking.secure.mycard.com.au/cds-au/v1/banking/products/7916a828-1572-43bb-9a1f-c0af9b082f17", "source_snapshot": "/au/finance/credit-cards/v1/source/mycard/7916a828-1572-43bb-9a1f-c0af9b082f17.json", "snapshot_at": "2026-11-12T02:35:58Z", "bank_last_updated": "2026-11-02T00:00:00Z", "from_issuer_page": null, "rate_pct": 22.49, "rankings": [] }, { "brand": "NATIONAL AUSTRALIA BANK", "brand_label": "NAB", "brand_slug": "national-australia-bank", "legal_entity_abn": "12004044937", "product_id": "fbce13b1-77db-4226-9f55-9028ee31884f", "product_name": "NAB Low Fee Card", "product_label": "Low Fee Card", 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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", "sign-up offers not available when closing or switching from another NAB credit card", "no annual fee in the first year for existing NAB customers only ($49 from the 13th month)", "balance transfer reverts to the cash advance rate (22.99%) after 12 months; offer only at application" ], "ranked": true, "unranked_reason": null, "source_kind": "feed", "record_stale": false, "source_url": "https://openbank.api.nab.com.au/cds-au/v1/banking/products/fbce13b1-77db-4226-9f55-9028ee31884f", "source_snapshot": "/au/finance/credit-cards/v1/source/national-australia-bank/fbce13b1-77db-4226-9f55-9028ee31884f.json", "snapshot_at": "2026-11-12T02:35:58Z", "bank_last_updated": "2026-10-01T13:59:59Z", "document_links_source": { "terms_url": "found by hand 2026-11-01: terms and conditions", "key_facts_sheet_url": "found by hand 2026-11-01: Key Facts Sheet" }, "key_facts_sheet_url": "https://www.nab.com.au/content/dam/nabrwd/documents/guides/banking/key-facts-credit-cards.pdf", "correction": { "checked": "2026-11-01", "note": "$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", "fields": [ "cashback_offer" ], "quotes": { "cashback": { "text": "$250 cashback on a new NAB Low Fee card when you spend $1,500 on purchases within 90 days from account opening.", "url": "https://www.nab.com.au/personal/credit-cards/low-fee/nab-low-fee-card", "citation": { "quote": "$250 cashback on a new NAB Low Fee card when you spend $1,500 on purchases within 90 days from account opening.", "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.", "document_sha256": "070c7a60c22919f6d9f77d1e1755936979016c96151c7a079d387cb5ffae45ea", "confirmed": "2026-11-12" } } }, "verified": { "cashback": "found" } }, "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." } ], "rate_pct": 22.49, "rankings": [] }, { "brand": "NATIONAL AUSTRALIA BANK", "brand_label": "NAB", "brand_slug": "national-australia-bank", "legal_entity_abn": "12004044937", "product_id": "aea04112-8a33-4d90-991a-b30ad00699a8", "product_name": "NAB Low Rate Business Card", "product_label": "Low Rate Business Card", "product_slug": "low-rate-business-card", "page": "/au/finance/credit-cards/cards/national-australia-bank/low-rate-business-card/", "product_url": "https://www.nab.com.au/business/business-cards/nab-low-rate-business-card", "terms_url": "https://www.nab.com.au/content/dam/nabrwd/documents/terms-and-conditions/banking/nab-commercial-cards-facility-conditions-oct2025.pdf", "fees_url": "https://www.nab.com.au/business/tools/rates-fees-and-charges/business-banking-fees-and-charges?own_cid=shortURL:feesandcharges#section-3", "eligibility_url": 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"rewards_program_fee": null, "bonus_offer": null, "cashback_offer": null, "digital_wallets": [ "Apple Pay", "Google Pay", "Samsung Pay", "Garmin Pay" ], "instalment_plan": false, "additional_cards": 1000, "additional_cards_offered": true, "min_credit_limit": 1000.0, "max_credit_limit": 18000000.0, "min_income": null, "min_age": 18, "restrictions": [], "who_can_open": { "restricted": false, "groups": [], "open_note": null }, "conditions": [ "0.00% on purchases for the first 12 months, then the purchase rate", "no card fee in the first year, as the feed's discount states", "credit limit $1,000 to $18,000,000", "min turnover: 75000.00", "Have 12 months of business financial data.", "Registered for GST", "Have a valid ABN/ACN", "late payment fee $15", "cash advance fee 3%, minimum $3", "the $75,000 turnover minimum applies only to businesses new to NAB", "online: ABN registered 12 months or more; sole traders, partnerships of up to two, companies of up to five directors or trustees of eligible funds", "$60 card fee waived for the first 12 months from when the facility opens" ], "ranked": true, "unranked_reason": null, "source_kind": "feed", "record_stale": false, "source_url": "https://openbank.api.nab.com.au/cds-au/v1/banking/products/aea04112-8a33-4d90-991a-b30ad00699a8", "source_snapshot": "/au/finance/credit-cards/v1/source/national-australia-bank/aea04112-8a33-4d90-991a-b30ad00699a8.json", "snapshot_at": "2026-11-12T02:35:58Z", "bank_last_updated": "2026-06-01T13:59:59Z", "document_links_source": { "terms_url": "found by hand 2026-11-01: terms and conditions" }, "from_issuer_page": null, "rate_pct": 13.99, "rankings": [ { "segment": "business", "kind": "low_rate", "rank": 10, "of": 13, "hidden_by_default": null } ] }, { "brand": "NATIONAL AUSTRALIA BANK", "brand_label": "NAB", "brand_slug": "national-australia-bank", "legal_entity_abn": "12004044937", "product_id": "0c2ca397-dc24-4eb0-8fb9-e098c582ebd5", "product_name": "NAB Low Rate Card", "product_label": 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"fee_waived_for_group": null, "foreign_transaction_fee_pct": 3.5, "foreign_transaction_fee": null, "cash_advance_fee_pct": null, "cash_advance_fee": null, "late_payment_fee": null, "additional_cardholder_fee": null, "bt_promo_rate_pct": 0.0, "bt_promo_months": 26, "bt_fee_pct": 3.0, "bt_revert_rate_pct": 22.99, "bt_revert_to": "balance_transfer", "rewards_program": null, "rewards_programs": [], "rewards_program_fee": null, "bonus_offer": null, "cashback_offer": 400.0, "digital_wallets": [ "Apple Pay", "Google Pay", "Samsung Pay", "Garmin Pay" ], "instalment_plan": false, "additional_cards": 1, "additional_cards_offered": true, "min_credit_limit": 1000.0, "max_credit_limit": null, "min_income": null, "min_age": 18, "restrictions": [], "who_can_open": { "restricted": false, "groups": [], "open_note": 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", "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", "sign-up offers not available when closing or switching from another NAB credit card" ], "ranked": true, "unranked_reason": null, "source_kind": "feed", "record_stale": false, "source_url": "https://openbank.api.nab.com.au/cds-au/v1/banking/products/0c2ca397-dc24-4eb0-8fb9-e098c582ebd5", "source_snapshot": "/au/finance/credit-cards/v1/source/national-australia-bank/0c2ca397-dc24-4eb0-8fb9-e098c582ebd5.json", "snapshot_at": "2026-11-12T02:35:58Z", "bank_last_updated": "2026-10-01T13:59:59Z", "document_links_source": { "terms_url": "found by hand 2026-11-01: terms and conditions", "key_facts_sheet_url": "found by hand 2026-11-01: Key Facts Sheet" }, "key_facts_sheet_url": "https://www.nab.com.au/content/dam/nabrwd/documents/guides/banking/key-facts-credit-cards.pdf", "correction": { "checked": "2026-10-24", "note": "the bank's page offers 0% on balance transfers for 26 months with a 3% fee; its feed record still says 24", "fields": [ "balance_transfer" ], "quotes": { "balance_transfer": { "text": "0% p.a. on balance transfers (BT) for 26 months with a 3% BT fee", "url": "https://www.nab.com.au/personal/credit-cards/low-rate/nab-low-rate-card", "citation": { "quote": "0% p.a. on balance transfers (BT) for 26 months with a 3% BT fee", "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", "document_sha256": "42b5c970e059db2660a795b94ca614d9b98a5e31f273e51ce6bd341bad042759", "confirmed": "2026-11-12" } } }, "verified": { "balance_transfer": "found" } }, "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." } ], "rate_pct": 13.99, "rankings": [ { "segment": "personal", "kind": "low_rate", "rank": 43, "of": 52, "hidden_by_default": null }, { "segment": "personal", "kind": "balance_transfer", "rank": 1, "of": 22, "hidden_by_default": null } ] }, { "brand": "NATIONAL AUSTRALIA BANK", "brand_label": "NAB", "brand_slug": "national-australia-bank", "legal_entity_abn": "12004044937", "product_id": "2bd0b7d2-4a66-4e34-a7ca-566c6e24bf80", "product_name": "NAB Qantas Business Signature Card", "product_label": "Qantas Business Signature Card", "product_slug": "qantas-business-signature-card", "page": "/au/finance/credit-cards/cards/national-australia-bank/qantas-business-signature-card/", "product_url": "https://www.nab.com.au/business/business-cards/nab-qantas-business-signature-card", "terms_url": "https://www.nab.com.au/content/dam/nabrwd/documents/terms-and-conditions/banking/nab-commercial-cards-facility-conditions-oct2025.pdf", "fees_url": "https://www.nab.com.au/business/tools/rates-fees-and-charges/business-banking-fees-and-charges?own_cid=shortURL:feesandcharges#section-3", "eligibility_url": "https://www.nab.com.au/business/business-cards/nab-qantas-business-signature-card", "card_type": "credit", "scheme": "visa", "tier": "signature", "segments": [ "business" ], "segment": "business", "purchase_rate_pct": 19.5, "purchase_rate_is_base": null, "no_interest_card": null, "purchase_rate_range_pct": null, "cash_advance_rate_pct": 21.74, "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, "fee_name": "Annual card Fee", "first_year_fee_waived": false, "fee_waived_for_group": null, "foreign_transaction_fee_pct": 3.0, "foreign_transaction_fee": null, "cash_advance_fee_pct": null, "cash_advance_fee": null, "late_payment_fee": null, "additional_cardholder_fee": null, "bt_promo_rate_pct": null, "bt_promo_months": null, "bt_fee_pct": null, "bt_revert_rate_pct": null, "bt_revert_to": null, "rewards_program": "Qantas Business Rewards", "rewards_programs": [ "Qantas Business Rewards" ], "rewards_program_fee": null, "bonus_offer": "200000 Earn 150,000 bonus Qantas Points when you spend $10,000 on everyday business purchases within 90 days of opening your new NAB Qantas Business Signature Card account. Plus, you’ll be rewarded with an additional 50,000 bonus Qantas Points if you keep your account open for 15 months.", "cashback_offer": null, "digital_wallets": [ "Apple Pay", "Google Pay", "Samsung Pay", "Garmin Pay" ], "instalment_plan": false, "additional_cards": 1000, "additional_cards_offered": true, "min_credit_limit": 1000.0, "max_credit_limit": 18000000.0, "min_income": null, "min_age": 18, "restrictions": [], "who_can_open": { "restricted": false, "groups": [], "open_note": null }, "conditions": [ "credit limit $1,000 to $18,000,000", "min turnover: 75000.00", "Have 12 months of business financial data.", "Registered for GST", "Have a valid ABN/ACN", "late payment fee $15", "cash advance fee 3%, minimum $3", "the $75,000 turnover minimum applies only to businesses new to NAB", "online: ABN registered 12 months or more; sole traders, partnerships of up to two, companies of up to five directors or trustees of eligible funds", "bonus points not for businesses that hold or closed a NAB business card in the last 36 months", "points capped at $50,000 spend per card a statement period" ], "ranked": true, "unranked_reason": null, "source_kind": "feed", "record_stale": false, "source_url": "https://openbank.api.nab.com.au/cds-au/v1/banking/products/2bd0b7d2-4a66-4e34-a7ca-566c6e24bf80", "source_snapshot": "/au/finance/credit-cards/v1/source/national-australia-bank/2bd0b7d2-4a66-4e34-a7ca-566c6e24bf80.json", "snapshot_at": "2026-11-12T02:35:58Z", "bank_last_updated": "2026-08-03T13:59:59Z", "document_links_source": { "terms_url": "found by hand 2026-11-01: terms and conditions" }, "from_issuer_page": null, "rate_pct": 19.5, "rankings": [] }, { "brand": "NATIONAL AUSTRALIA BANK", "brand_label": "NAB", "brand_slug": "national-australia-bank", "legal_entity_abn": "12004044937", "product_id": "263a9294-f2d8-4f5e-885c-363e1c2010b9", "product_name": "NAB Qantas Rewards Premium Card", "product_label": "Qantas Rewards Premium Card", "product_slug": "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", "fees_url": "https://www.nab.com.au/personal/credit-cards/fees-charges", "eligibility_url": "https://www.nab.com.au/personal/credit-cards/qantas-rewards/nab-qantas-rewards-premium-card", "card_type": "credit", "scheme": "visa", "tier": "premium", "segments": [ "personal" ], "segment": "personal", "purchase_rate_pct": 22.49, "purchase_rate_is_base": null, "no_interest_card": null, "purchase_rate_range_pct": null, "cash_advance_rate_pct": 22.99, "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, "fee_name": "Annual Card Fee", "first_year_fee_waived": false, "fee_waived_for_group": null, "foreign_transaction_fee_pct": 3.5, "foreign_transaction_fee": null, "cash_advance_fee_pct": null, "cash_advance_fee": null, "late_payment_fee": null, "additional_cardholder_fee": null, "bt_promo_rate_pct": 0.0, "bt_promo_months": 12, "bt_fee_pct": 3.0, "bt_revert_rate_pct": 22.99, "bt_revert_to": "balance_transfer", "rewards_program": "Qantas Frequent Flyer", "rewards_programs": [ "Qantas Frequent Flyer" ], "rewards_program_fee": null, "bonus_offer": "Up to 40,000 bonus Qantas Points and $150 cashback for new customers: 25,000 bonus points when you spend $4,000 on everyday purchases within the first 90 days of account opening, 15,000 bonus points when you keep your card for over 12 months, and $150 cashback when you meet minimum spend criteria", "cashback_offer": 150, "digital_wallets": [ "Apple Pay", "Google Pay", "Samsung Pay", "Garmin Pay" ], "instalment_plan": false, "additional_cards": 1, "additional_cards_offered": true, "min_credit_limit": 3000, "max_credit_limit": null, "min_income": null, "min_age": 18, "restrictions": [], "who_can_open": { "restricted": false, "groups": [], "open_note": null }, "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", "Australian residents for tax purposes with a regular income; visitor, working holiday, student, bridging and short-stay visas not accepted", "bonus points not for anyone who holds or held a NAB Qantas Rewards card in the last 36 months", "points capped at $6,000 spend a statement period", "minimum credit limit $3,000", "existing NAB customers pay $195 in the first year, then $295" ], "ranked": true, "unranked_reason": null, "source_kind": "feed", "record_stale": false, "source_url": "https://openbank.api.nab.com.au/cds-au/v1/banking/products/263a9294-f2d8-4f5e-885c-363e1c2010b9", "source_snapshot": "/au/finance/credit-cards/v1/source/national-australia-bank/263a9294-f2d8-4f5e-885c-363e1c2010b9.json", "snapshot_at": "2026-11-12T02:35:58Z", "bank_last_updated": "2026-10-01T13:59:59Z", "document_links_source": { "terms_url": "found by hand 2026-11-01: terms and conditions", "key_facts_sheet_url": "found by hand 2026-11-01: Key Facts Sheet" }, "key_facts_sheet_url": "https://www.nab.com.au/content/dam/nabrwd/documents/guides/banking/key-facts-credit-cards.pdf", "correction": { "checked": "2026-11-01", "note": "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", "fields": [ "bonus_offer", "cashback_offer", "min_credit_limit" ], "quotes": { "credit_limit": { "text": "Minimum Credit Limit $1000 $1000 $3000 $6000 $3000 $6000", "url": "https://www.nab.com.au/content/dam/nabrwd/documents/guides/banking/key-facts-credit-cards.pdf", "citation": { "quote": "Minimum Credit Limit $1000 $1000 $3000 $6000 $3000 $6000", "url": "https://www.nab.com.au/content/dam/nabrwd/documents/guides/banking/key-facts-credit-cards.pdf#page=1", "page": 1, "document_sha256": "b20d4786ae143c1f475f7b336bc2250574f4f20c2eeba088e16df4cfdb82bc53", "confirmed": "2026-11-12" } }, "bonus": { "text": "Up to 40,000 bonus Qantas Points and $150 cashback", "url": "https://www.nab.com.au/personal/credit-cards/qantas-rewards/nab-qantas-rewards-premium-card", "citation": { "quote": "Up to 40,000 bonus Qantas Points and $150 cashback", "url": "https://www.nab.com.au/personal/credit-cards/qantas-rewards/nab-qantas-rewards-premium-card#:~:text=Up%20to%2040%2C000%20bonus%20Qantas%20Points%20and%20%24150%20cashback", "document_sha256": "65f35a2df632f9a149a5190b175a2d2dfe85636f76fc8e4d86aa078f1248bedf", "confirmed": "2026-11-12" } } }, "verified": { "credit_limit": "found", "bonus": "found" } }, "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" } ], "rate_pct": 22.49, "rankings": [] }, { "brand": "NATIONAL AUSTRALIA BANK", "brand_label": "NAB", "brand_slug": "national-australia-bank", "legal_entity_abn": "12004044937", "product_id": "8a47c774-0065-4850-992c-42d73253f3eb", "product_name": "NAB Qantas Rewards Signature Card", "product_label": "Qantas Rewards Signature Card", "product_slug": "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", "fees_url": "https://www.nab.com.au/personal/credit-cards/fees-charges", "eligibility_url": "https://www.nab.com.au/personal/credit-cards/qantas-rewards/nab-qantas-rewards-signature-card", "card_type": "credit", "scheme": "visa", "tier": "signature", "segments": [ "personal" ], "segment": "personal", "purchase_rate_pct": 22.49, "purchase_rate_is_base": null, "no_interest_card": null, "purchase_rate_range_pct": null, "cash_advance_rate_pct": 22.99, "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, "fee_name": "Annual Card Fee", "first_year_fee_waived": false, "fee_waived_for_group": null, "foreign_transaction_fee_pct": 3.5, "foreign_transaction_fee": null, "cash_advance_fee_pct": null, "cash_advance_fee": null, "late_payment_fee": null, "additional_cardholder_fee": null, "bt_promo_rate_pct": 0.0, "bt_promo_months": 12, "bt_fee_pct": 3.0, "bt_revert_rate_pct": 22.99, "bt_revert_to": "balance_transfer", "rewards_program": "Qantas", "rewards_programs": [ "Qantas" ], "rewards_program_fee": null, "bonus_offer": "Up to 60,000 bonus Qantas Points and $200 cashback for new customers: 40,000 bonus points when you spend $5,000 on everyday purchases within the first 90 days of account opening, 20,000 bonus points when you keep your card for over 12 months, and $200 cashback when you meet minimum spend criteria", "cashback_offer": 200, "digital_wallets": [ "Apple Pay", "Google Pay", "Samsung Pay", "Garmin Pay" ], "instalment_plan": false, "additional_cards": 1, "additional_cards_offered": true, "min_credit_limit": 6000, "max_credit_limit": null, "min_income": null, "min_age": 18, "restrictions": [], "who_can_open": { "restricted": false, "groups": [], "open_note": null }, "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", "Australian residents for tax purposes with a regular income; visitor, working holiday, student, bridging and short-stay visas not accepted", "bonus points not for anyone who holds or held a NAB Qantas Rewards card in the last 36 months", "points capped at $15,000 spend a statement period", "minimum credit limit $6,000" ], "ranked": true, "unranked_reason": null, "source_kind": "feed", "record_stale": false, "source_url": "https://openbank.api.nab.com.au/cds-au/v1/banking/products/8a47c774-0065-4850-992c-42d73253f3eb", "source_snapshot": "/au/finance/credit-cards/v1/source/national-australia-bank/8a47c774-0065-4850-992c-42d73253f3eb.json", "snapshot_at": "2026-11-12T02:35:58Z", "bank_last_updated": "2026-10-01T13:59:59Z", "document_links_source": { "terms_url": "found by hand 2026-11-01: terms and conditions", "key_facts_sheet_url": "found by hand 2026-11-01: Key Facts Sheet" }, "key_facts_sheet_url": "https://www.nab.com.au/content/dam/nabrwd/documents/guides/banking/key-facts-credit-cards.pdf", "correction": { "checked": "2026-11-01", "note": "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", "fields": [ "bonus_offer", "cashback_offer", "min_credit_limit" ], "quotes": { "credit_limit": { "text": "Minimum Credit Limit $1000 $1000 $3000 $6000 $3000 $6000", "url": "https://www.nab.com.au/content/dam/nabrwd/documents/guides/banking/key-facts-credit-cards.pdf", "citation": { "quote": "Minimum Credit Limit $1000 $1000 $3000 $6000 $3000 $6000", "url": "https://www.nab.com.au/content/dam/nabrwd/documents/guides/banking/key-facts-credit-cards.pdf#page=1", "page": 1, "document_sha256": "b20d4786ae143c1f475f7b336bc2250574f4f20c2eeba088e16df4cfdb82bc53", "confirmed": "2026-11-12" } }, "bonus": { "text": "Up to 60,000 bonus Qantas Points and $200 cashback", "url": "https://www.nab.com.au/personal/credit-cards/qantas-rewards/nab-qantas-rewards-signature-card", "citation": { "quote": "Up to 60,000 bonus Qantas Points and $200 cashback", "url": "https://www.nab.com.au/personal/credit-cards/qantas-rewards/nab-qantas-rewards-signature-card#:~:text=Up%20to%2060%2C000%20bonus%20Qantas%20Points%20and%20%24200%20cashback", "document_sha256": "aa7416540e9bb938a6e4334b958a49030b1e338d149c22341c19a472efb1e7f8", "confirmed": "2026-11-12" } } }, "verified": { "credit_limit": "found", "bonus": "found" } }, "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" } ], "rate_pct": 22.49, "rankings": [] }, { "brand": "NATIONAL AUSTRALIA BANK", "brand_label": "NAB", "brand_slug": "national-australia-bank", "legal_entity_abn": "12004044937", "product_id": "ff87d1af-392d-421a-903e-20b9517ea13e", "product_name": "NAB Rewards Business Signature Card", "product_label": "Rewards Business Signature Card", "product_slug": "rewards-business-signature-card", "page": "/au/finance/credit-cards/cards/national-australia-bank/rewards-business-signature-card/", "product_url": "https://www.nab.com.au/business/business-cards/nab-rewards-business-signature-card", "terms_url": "https://www.nab.com.au/content/dam/nabrwd/documents/terms-and-conditions/banking/nab-commercial-cards-facility-conditions-oct2025.pdf", "fees_url": "https://www.nab.com.au/business/tools/rates-fees-and-charges/business-banking-fees-and-charges?own_cid=shortURL:feesandcharges#section-3", "eligibility_url": "https://www.nab.com.au/business/business-cards/nab-rewards-business-signature-card", "card_type": "credit", "scheme": "visa", "tier": "signature", "segments": [ "business" ], "segment": "business", "purchase_rate_pct": 19.5, "purchase_rate_is_base": null, "no_interest_card": null, "purchase_rate_range_pct": null, "cash_advance_rate_pct": 21.74, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 44, "annual_fee": 175.0, "fee_period": "annual", "fee_as_stated": 175.0, "annual_fee_stated": true, "annual_fee_note": null, "fee_name": "Annual card Fee", "first_year_fee_waived": false, "fee_waived_for_group": null, "foreign_transaction_fee_pct": 3.0, "foreign_transaction_fee": null, "cash_advance_fee_pct": null, "cash_advance_fee": null, "late_payment_fee": null, "additional_cardholder_fee": null, "bt_promo_rate_pct": null, "bt_promo_months": null, "bt_fee_pct": null, "bt_revert_rate_pct": null, "bt_revert_to": null, "rewards_program": "NAB Rewards", "rewards_programs": [ "NAB Rewards" ], "rewards_program_fee": null, "bonus_offer": "Earn up to 250,000 bonus NAB Rewards Points: 200,000 NAB Rewards Bonus Points when you spend $8,000 on everyday business purchases within 90 days of your new NAB Rewards Business Signature Card account opening and a further 50,000 if you keep your account open for 15 months", "cashback_offer": null, "digital_wallets": [ "Apple Pay", "Google Pay", "Samsung Pay", "Garmin Pay" ], "instalment_plan": false, "additional_cards": 1000, "additional_cards_offered": true, "min_credit_limit": 1000.0, "max_credit_limit": 18000000.0, "min_income": null, "min_age": 18, "restrictions": [], "who_can_open": { "restricted": false, "groups": [], "open_note": null }, "conditions": [ "corrected from the bank's own page: up to 250,000 bonus points, per the bank's card page; the feed says 200,000", "credit limit $1,000 to $18,000,000", "min turnover: 75000.00", "Have 12 months of business financial data.", "Registered for GST", "Have a valid ABN/ACN", "late payment fee $15", "cash advance fee 3%, minimum $3", "the $75,000 turnover minimum applies only to businesses new to NAB", "online: ABN registered 12 months or more; sole traders, partnerships of up to two, companies of up to five directors or trustees of eligible funds", "bonus points not for businesses that hold or closed a NAB business card with a special offer in the last 12 months", "from 1 August 2026 no Points Booster; those purchases earn the standard 1.25 points per $1" ], "ranked": true, "unranked_reason": null, "source_kind": "feed", "record_stale": false, "source_url": "https://openbank.api.nab.com.au/cds-au/v1/banking/products/ff87d1af-392d-421a-903e-20b9517ea13e", "source_snapshot": "/au/finance/credit-cards/v1/source/national-australia-bank/ff87d1af-392d-421a-903e-20b9517ea13e.json", "snapshot_at": "2026-11-12T02:35:58Z", "bank_last_updated": "2026-08-03T13:59:59Z", "document_links_source": { "terms_url": "found by hand 2026-11-01: terms and conditions" }, "correction": { "checked": "2026-11-01", "note": "up to 250,000 bonus points, per the bank's card page; the feed says 200,000", "fields": [ "bonus_offer" ], "quotes": { "bonus": { "text": "Earn up to 250,000 bonus NAB Rewards Points", "url": "https://www.nab.com.au/business/business-cards/nab-rewards-business-signature-card", "citation": { "quote": "Earn up to 250,000 bonus NAB Rewards Points", "url": "https://www.nab.com.au/business/business-cards/nab-rewards-business-signature-card#:~:text=Earn%20up%20to%20250%2C000%20bonus%20NAB%20Rewards%20Points", "document_sha256": "893ccd43cecf4b0b5b64752467955c305f740e51a0c3e6f454565ea0fa1b2724", "confirmed": "2026-11-12" } } }, "verified": { "bonus": "found" } }, "from_issuer_page": [ { "source": "correction", "fields": [ "bonus_offer" ], "confirmed": "2026-11-12", "url": "https://www.nab.com.au/business/business-cards/nab-rewards-business-signature-card#:~:text=Earn%20up%20to%20250%2C000%20bonus%20NAB%20Rewards%20Points", "quote": "Earn up to 250,000 bonus NAB Rewards Points" } ], "rate_pct": 19.5, "rankings": [ { "segment": "business", "kind": "rewards", "rank": 7, "of": 9, "hidden_by_default": null } ] }, { "brand": "NATIONAL AUSTRALIA BANK", "brand_label": "NAB", "brand_slug": "national-australia-bank", "legal_entity_abn": "12004044937", "product_id": "c43ad795-9db1-4e1f-a7f5-845714ecedfd", "product_name": "NAB Rewards Card", "product_label": "Rewards Card", "product_slug": "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", "fees_url": "https://www.nab.com.au/personal/help-and-guidance/personal-banking-fees-and-charges#3a", "eligibility_url": "https://www.nab.com.au/personal/credit-cards/nab-rewards/nab-rewards-platinum-card", "card_type": "credit", "scheme": "visa", "tier": null, "segments": [ "personal" ], "segment": "personal", "purchase_rate_pct": 22.49, "purchase_rate_is_base": null, "no_interest_card": null, "purchase_rate_range_pct": null, "cash_advance_rate_pct": 22.99, "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, "fee_name": "Annual Card Fee", "first_year_fee_waived": false, "fee_waived_for_group": null, "foreign_transaction_fee_pct": 3.5, "foreign_transaction_fee": null, "cash_advance_fee_pct": null, "cash_advance_fee": null, "late_payment_fee": null, "additional_cardholder_fee": null, "bt_promo_rate_pct": 0.0, "bt_promo_months": 12, "bt_fee_pct": 3.0, "bt_revert_rate_pct": 21.74, "bt_revert_to": "balance_transfer", "rewards_program": "NAB Rewards", "rewards_programs": [ "NAB Rewards" ], "rewards_program_fee": null, "bonus_offer": "Up to 100,000 bonus NAB Rewards Points for new customers: 80,000 bonus points when you apply for a NAB Rewards Card, are approved and spend $3,000 on everyday purchases within the first 90 days of account opening, and 20,000 bonus points when you keep your card for over 12 months", "cashback_offer": null, "digital_wallets": [ "Apple Pay", "Google Pay", "Samsung Pay", "Garmin Pay" ], "instalment_plan": false, "additional_cards": 1, "additional_cards_offered": true, "min_credit_limit": 3000, "max_credit_limit": null, "min_income": null, "min_age": 18, "restrictions": [], "who_can_open": { "restricted": false, "groups": [], "open_note": null }, "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", "Australian residents for tax purposes with a regular income; visitor, working holiday, student, bridging and short-stay visas not accepted", "bonus points not for anyone who holds or held a NAB Rewards card in the last 24 months", "1.25 points per $1 up to $5,000 a month, then 0.5 points per $1", "minimum credit limit $3,000", "existing NAB customers pay $95 in the first year, then $195" ], "ranked": true, "unranked_reason": null, "source_kind": "feed", "record_stale": false, "source_url": "https://openbank.api.nab.com.au/cds-au/v1/banking/products/c43ad795-9db1-4e1f-a7f5-845714ecedfd", "source_snapshot": "/au/finance/credit-cards/v1/source/national-australia-bank/c43ad795-9db1-4e1f-a7f5-845714ecedfd.json", "snapshot_at": "2026-11-12T02:35:58Z", "bank_last_updated": "2026-10-01T13:59:59Z", "document_links_source": { "terms_url": "found by hand 2026-11-01: terms and conditions", "key_facts_sheet_url": "found by hand 2026-11-01: Key Facts Sheet" }, "key_facts_sheet_url": "https://www.nab.com.au/content/dam/nabrwd/documents/guides/banking/key-facts-credit-cards.pdf", "correction": { "checked": "2026-11-01", "note": "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", "fields": [ "bonus_offer", "min_credit_limit" ], "quotes": { "credit_limit": { "text": "Minimum Credit Limit $1000 $1000 $3000 $6000 $3000 $6000", "url": "https://www.nab.com.au/content/dam/nabrwd/documents/guides/banking/key-facts-credit-cards.pdf", "citation": { "quote": "Minimum Credit Limit $1000 $1000 $3000 $6000 $3000 $6000", "url": "https://www.nab.com.au/content/dam/nabrwd/documents/guides/banking/key-facts-credit-cards.pdf#page=1", "page": 1, "document_sha256": "b20d4786ae143c1f475f7b336bc2250574f4f20c2eeba088e16df4cfdb82bc53", "confirmed": "2026-11-12" } }, "bonus": { "text": "Up to 100,000 bonus NAB Rewards Points", "url": "https://www.nab.com.au/personal/credit-cards/nab-rewards/nab-rewards-platinum-card", "citation": { "quote": "Up to 100,000 bonus NAB Rewards Points", "url": "https://www.nab.com.au/personal/credit-cards/nab-rewards/nab-rewards-platinum-card#:~:text=Up%20to%20100%2C000%20bonus%20NAB%20Rewards%20Points", "document_sha256": "de57f8cc27b75502a9b2012c49ffd447a3eb525070110e3d56570f5ac2ed2141", "confirmed": "2026-11-12" } } }, "verified": { "credit_limit": "found", "bonus": "found" } }, "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" } ], "rate_pct": 22.49, "rankings": [ { "segment": "personal", "kind": "rewards", "rank": 14, "of": 24, "hidden_by_default": null } ] }, { "brand": "NATIONAL AUSTRALIA BANK", "brand_label": "NAB", "brand_slug": "national-australia-bank", "legal_entity_abn": "12004044937", "product_id": "e10279eb-1172-48dd-b6d2-08bed9605c5d", "product_name": "NAB Travel Card", "product_label": "Travel Card", "product_slug": "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", "fees_url": "https://www.nab.com.au/personal/help-and-guidance/personal-banking-fees-and-charges#3a", "eligibility_url": "https://www.nab.com.au/personal/credit-cards/nab-rewards/nab-rewards-signature-card", "card_type": "credit", "scheme": "visa", "tier": null, "segments": [ "personal" ], "segment": "personal", "purchase_rate_pct": 22.49, "purchase_rate_is_base": null, "no_interest_card": null, "purchase_rate_range_pct": null, "cash_advance_rate_pct": 22.99, "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, "fee_name": "Monthly Card Fee", "first_year_fee_waived": false, "fee_waived_for_group": null, "foreign_transaction_fee_pct": 0.0, "foreign_transaction_fee": null, "cash_advance_fee_pct": null, "cash_advance_fee": null, "late_payment_fee": null, "additional_cardholder_fee": null, "bt_promo_rate_pct": 0.0, "bt_promo_months": 12, "bt_fee_pct": 3.0, "bt_revert_rate_pct": 21.74, "bt_revert_to": "balance_transfer", "rewards_program": "NAB Rewards", "rewards_programs": [ "NAB Rewards" ], "rewards_program_fee": null, "bonus_offer": "Earn up to 180,000 bonus NAB Rewards Points: 120,000 bonus points when you spend $5,000 on everyday purchases within 90 days of new card approval, plus an extra 60,000 points when you keep your card for over 12 months", "cashback_offer": null, "digital_wallets": [ "Apple Pay", "Google Pay", "Samsung Pay", "Garmin Pay" ], "instalment_plan": false, "additional_cards": 1, "additional_cards_offered": true, "min_credit_limit": 6000, "max_credit_limit": null, "min_income": null, "min_age": 18, "restrictions": [], "who_can_open": { "restricted": false, "groups": [], "open_note": null }, "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", "no international transaction fee", "Australian residents for tax purposes with a regular income; visitor, working holiday, student, bridging and short-stay visas not accepted", "bonus points not for anyone who holds or held a NAB Rewards card in the last 24 months", "minimum credit limit $6,000", "existing NAB customers pay $295 in the first year, then $395" ], "ranked": true, "unranked_reason": null, "source_kind": "feed", "record_stale": false, "source_url": "https://openbank.api.nab.com.au/cds-au/v1/banking/products/e10279eb-1172-48dd-b6d2-08bed9605c5d", "source_snapshot": "/au/finance/credit-cards/v1/source/national-australia-bank/e10279eb-1172-48dd-b6d2-08bed9605c5d.json", "snapshot_at": "2026-11-12T02:35:58Z", "bank_last_updated": "2026-10-01T13:59:59Z", "document_links_source": { "terms_url": "found by hand 2026-11-01: terms and conditions", "key_facts_sheet_url": "found by hand 2026-11-01: Key Facts Sheet" }, "key_facts_sheet_url": "https://www.nab.com.au/content/dam/nabrwd/documents/guides/banking/key-facts-credit-cards.pdf", "correction": { "checked": "2026-11-01", "note": "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", "fields": [ "bonus_offer", "min_credit_limit" ], "quotes": { "credit_limit": { "text": "Minimum Credit Limit $1000 $1000 $3000 $6000 $3000 $6000", "url": "https://www.nab.com.au/content/dam/nabrwd/documents/guides/banking/key-facts-credit-cards.pdf", "citation": { "quote": "Minimum Credit Limit $1000 $1000 $3000 $6000 $3000 $6000", "url": "https://www.nab.com.au/content/dam/nabrwd/documents/guides/banking/key-facts-credit-cards.pdf#page=1", "page": 1, "document_sha256": "b20d4786ae143c1f475f7b336bc2250574f4f20c2eeba088e16df4cfdb82bc53", "confirmed": "2026-11-12" } }, "bonus": { "text": "Earn up to 180,000 bonus NAB Rewards Points", "url": "https://www.nab.com.au/personal/credit-cards/nab-rewards/nab-rewards-signature-card", "citation": { "quote": "Earn up to 180,000 bonus NAB Rewards Points", "url": "https://www.nab.com.au/personal/credit-cards/nab-rewards/nab-rewards-signature-card#:~:text=Earn%20up%20to%20180%2C000%20bonus%20NAB%20Rewards%20Points", "document_sha256": "2e362f6cd8291b02df1f44e613b1d1d2c680ed04c824cffa35ab9e7a8e71d5d3", "confirmed": "2026-11-12" } } }, "verified": { "credit_limit": "found", "bonus": "found" } }, "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" } ], "rate_pct": 22.49, "rankings": [] }, { "brand": "NATIONAL AUSTRALIA BANK", "brand_label": "NAB", "brand_slug": "national-australia-bank", "legal_entity_abn": "12004044937", "product_id": "5f5dfdb4-43b1-41e6-923e-546bb801e026", "product_name": "NAB Business Card", "product_label": "Business Card", "product_slug": "business-card", "page": 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"https://www.pnbank.com.au/important-information/terms-and-conditions/credit-card-conditions-of-use/", "fees_url": "https://www.pnbank.com.au/help-and-support/fees/credit-cards/", "eligibility_url": null, "card_type": "credit", "scheme": "visa", "tier": null, "segments": [ "personal" ], "segment": "personal", "purchase_rate_pct": 11.99, "purchase_rate_is_base": null, "no_interest_card": null, "purchase_rate_range_pct": null, "cash_advance_rate_pct": 19.99, "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, "fee_name": "Credit Card Annual Fee", "first_year_fee_waived": false, "fee_waived_for_group": null, "foreign_transaction_fee_pct": null, "foreign_transaction_fee": 0.0, "cash_advance_fee_pct": null, "cash_advance_fee": 5.0, "late_payment_fee": 5.0, "additional_cardholder_fee": null, "bt_promo_rate_pct": null, "bt_promo_months": 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"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/", "fees_url": "https://www.pnbank.com.au/help-and-support/fees/credit-cards/", "eligibility_url": null, "card_type": "credit", "scheme": "visa", "tier": "platinum", "segments": [ "personal" ], "segment": "personal", "purchase_rate_pct": 11.99, "purchase_rate_is_base": null, "no_interest_card": null, "purchase_rate_range_pct": null, "cash_advance_rate_pct": 19.99, "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, "fee_name": "Credit Card Annual Fee", "first_year_fee_waived": false, "fee_waived_for_group": null, "foreign_transaction_fee_pct": null, "foreign_transaction_fee": 0.0, "cash_advance_fee_pct": null, "cash_advance_fee": 5.0, "late_payment_fee": 5.0, 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"ranked": true, "unranked_reason": null, "source_kind": "feed", "record_stale": false, "source_url": "https://public.cdr-api.pnbank.com.au/cds-au/v1/banking/products/40", "source_snapshot": "/au/finance/credit-cards/v1/source/p-n-bank/40.json", "snapshot_at": "2026-11-12T02:35:59Z", "bank_last_updated": "2026-11-03T20:00:29.2114598Z", "key_facts_sheet_url": "https://www.pnbank.com.au/important-information/terms-and-conditions/platinum-credit-card-fact-sheet/", "document_links_source": { "key_facts_sheet_url": "found by hand 2026-11-01: Key Facts Sheet" }, "from_issuer_page": null, "rate_pct": 11.99, "rankings": [] }, { "brand": "People First and Heritage Bank", "brand_label": "People First Bank / Heritage Bank", "brand_slug": "people-first-and-heritage-bank", "legal_entity_abn": "11087651125", "product_id": "ef54bfdb-5db3-4ce7-b678-25492785377a", "product_name": "Visa Credit Card", "product_label": "Visa Credit Card", "product_slug": "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", "fees_url": "https://www.peoplefirstbank.com.au/-/media/project/peoplefirst/pfbwebsite/medialibrary/files/general/brochures/brc-8-6-2-fees-and-charges.pdf", "eligibility_url": "https://www.peoplefirstbank.com.au/brc-8-1-6", "card_type": "credit", "scheme": "visa", "tier": null, "segments": [ "personal" ], "segment": "personal", "purchase_rate_pct": 12.95, "purchase_rate_is_base": null, "no_interest_card": null, "purchase_rate_range_pct": null, "cash_advance_rate_pct": 12.95, "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, "fee_name": null, "first_year_fee_waived": false, "fee_waived_for_group": null, 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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" ], "ranked": true, "unranked_reason": null, "source_kind": "feed", "record_stale": false, "source_url": "https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products/ef54bfdb-5db3-4ce7-b678-25492785377a", "source_snapshot": "/au/finance/credit-cards/v1/source/people-first-and-heritage-bank/ef54bfdb-5db3-4ce7-b678-25492785377a.json", "snapshot_at": "2026-11-12T02:36:00Z", "bank_last_updated": "2026-05-04T14:36:10.727Z", "document_links_source": { "fees_url": "found by hand 2026-11-01: fees and charges", "key_facts_sheet_url": "found by hand 2026-11-01: Key Facts Sheet" }, "key_facts_sheet_url": "https://www.peoplefirstbank.com.au/-/media/project/peoplefirst/pfbwebsite/medialibrary/files/general/brochures/brc-8-1-6-credit-card-key-facts-sheet.pdf", "correction": { "checked": "2026-11-01", "note": "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", "fields": [ "annual_fee", "annual_fee_stated", "fee_as_stated", "fee_period", "interest_free_days" ], "quotes": { "annual_fee": { "text": "Annual Visa Credit Card Fee $59 per account", "url": "https://www.peoplefirstbank.com.au/loans/visa-credit-card", "citation": { "quote": "Annual Visa Credit Card Fee $59 per account", "url": "https://www.peoplefirstbank.com.au/loans/visa-credit-card#:~:text=Annual%20Visa%20Credit%20Card%20Fee%20%2459%20per%20account", "document_sha256": "e54b5d686aaaf58afbdc1ea41b979aecea163d1178f4fa4a8fa625c45d916bda", "confirmed": "2026-11-12" } }, "interest_free": { "text": "Up to 62 days interest free", "url": "https://www.peoplefirstbank.com.au/loans/visa-credit-card", "citation": { "quote": "Up to 62 days interest free", "url": "https://www.peoplefirstbank.com.au/loans/visa-credit-card#:~:text=Up%20to%2062%20days%20interest%20free", "document_sha256": "e54b5d686aaaf58afbdc1ea41b979aecea163d1178f4fa4a8fa625c45d916bda", "confirmed": "2026-11-12" } } }, "verified": { "annual_fee": "found", "interest_free": "found" } }, "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" } ], "rate_pct": 12.95, "rankings": [ { "segment": "personal", "kind": "low_rate", "rank": 29, "of": 52, "hidden_by_default": null }, { "segment": "personal", "kind": "balance_transfer", "rank": 20, "of": 22, "hidden_by_default": null } ] }, { "brand": "People First and Heritage Bank", "brand_label": "People First Bank / Heritage Bank", "brand_slug": "people-first-and-heritage-bank", "legal_entity_abn": "11087651125", "product_id": "baffe12c-ef7a-427c-bf70-fbd96dbd71f8", "product_name": "Secured Business Visa Credit Card", "product_label": "Secured Business Visa Credit Card", "product_slug": "secured-business-visa-credit-card", "page": "/au/finance/credit-cards/cards/people-first-and-heritage-bank/secured-business-visa-credit-card/", "product_url": "https://www.heritage.com.au/banking/credit-cards/business-visa", "terms_url": "https://www.heritage.com.au/inbound/brochures/guide-to-credit-cards", "fees_url": "https://www.heritage.com.au/inbound/brochures/fees-and-limits-guide", "eligibility_url": null, "card_type": "credit", "scheme": "visa", "tier": null, "segments": [ "business" ], "segment": "business", "purchase_rate_pct": 10.65, "purchase_rate_is_base": null, "no_interest_card": null, "purchase_rate_range_pct": null, "cash_advance_rate_pct": 10.65, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 40, "annual_fee": 45.0, "fee_period": "annual", "fee_as_stated": 45.0, "annual_fee_stated": true, "annual_fee_note": null, "fee_name": "Annual fee", "first_year_fee_waived": false, "fee_waived_for_group": null, "foreign_transaction_fee_pct": 3.0, "foreign_transaction_fee": null, "cash_advance_fee_pct": null, "cash_advance_fee": null, "late_payment_fee": null, "additional_cardholder_fee": 1.0, "bt_promo_rate_pct": null, "bt_promo_months": null, "bt_fee_pct": null, "bt_revert_rate_pct": null, "bt_revert_to": null, "rewards_program": "Heritage Credits is Heritage's loyalty program", "rewards_programs": [ "Heritage Credits is Heritage's loyalty program" ], "rewards_program_fee": null, "bonus_offer": null, "cashback_offer": null, "digital_wallets": [ "Google Pay", "Samsung Pay", "Fitbit Pay", "Garmin Pay", "Apple Pay" ], "instalment_plan": false, "additional_cards": null, "additional_cards_offered": null, "min_credit_limit": 1000.0, "max_credit_limit": null, "min_income": null, "min_age": 18, "restrictions": [ "secured" ], "who_can_open": { "restricted": false, "groups": [], "open_note": null }, "conditions": [ "corrected from the bank's own page: no longer offered: Heritage Bank's credit card page says its cards are no longer available, and People First Bank lists only a personal Visa", "secured against a deposit" ], "ranked": false, "unranked_reason": "closed_to_new", "source_kind": "feed", "record_stale": false, "source_url": "https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products/baffe12c-ef7a-427c-bf70-fbd96dbd71f8", "source_snapshot": "/au/finance/credit-cards/v1/source/people-first-and-heritage-bank/baffe12c-ef7a-427c-bf70-fbd96dbd71f8.json", "snapshot_at": "2026-11-12T02:36:00Z", "bank_last_updated": "2026-06-04T00:02:49.939Z", "correction": { "checked": "2026-11-01", "note": "no longer offered: Heritage Bank's credit card page says its cards are no longer available, and People First Bank lists only a personal Visa", "fields": [ "ranked", "unranked_reason" ], "quotes": { "closed": { "text": "We’ve recently updated our product offering and credit cards are no longer available through Heritage Bank.", "url": "https://www.heritage.com.au/product-no-longer-available", "citation": { "quote": "We’ve recently updated our product offering and credit cards are no longer available through Heritage Bank.", "url": "https://www.heritage.com.au/product-no-longer-available#:~:text=We%E2%80%99ve%20recently%20updated%20our%20product,longer%20available%20through%20Heritage%20Bank.", "document_sha256": "6274a04544a9a0142fa9034f4451afae0365932dbeb4f13360efc6fdb0f1b1e5", "confirmed": "2026-11-12" } } }, "verified": { "closed": "found" } }, "from_issuer_page": [ { "source": "confirmation", "fields": [], "confirmed": "2026-11-12", "url": "https://www.heritage.com.au/product-no-longer-available#:~:text=We%E2%80%99ve%20recently%20updated%20our%20product,longer%20available%20through%20Heritage%20Bank.", "quote": "We’ve recently updated our product offering and credit cards are no longer available through Heritage Bank." } ], "rate_pct": 10.65, "rankings": [] }, { "brand": "People First and Heritage Bank", "brand_label": "People First Bank / Heritage Bank", "brand_slug": "people-first-and-heritage-bank", "legal_entity_abn": "11087651125", "product_id": "59c9ee22-c20e-4f97-bb8c-692b7fa4ad99", "product_name": "Unsecured Business Visa Credit Card", "product_label": "Unsecured Business Visa Credit Card", "product_slug": "unsecured-business-visa-credit-card", "page": "/au/finance/credit-cards/cards/people-first-and-heritage-bank/unsecured-business-visa-credit-card/", "product_url": "https://www.heritage.com.au/banking/credit-cards/business-visa", "terms_url": "https://www.heritage.com.au/inbound/brochures/guide-to-credit-cards", "fees_url": "https://www.heritage.com.au/inbound/brochures/fees-and-limits-guide", "eligibility_url": null, "card_type": "credit", "scheme": "visa", "tier": null, "segments": [ "business" ], "segment": "business", "purchase_rate_pct": 12.95, "purchase_rate_is_base": null, "no_interest_card": null, "purchase_rate_range_pct": null, "cash_advance_rate_pct": 12.95, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 40, "annual_fee": 45.0, "fee_period": "annual", "fee_as_stated": 45.0, "annual_fee_stated": true, "annual_fee_note": null, "fee_name": "Annual fee", "first_year_fee_waived": false, "fee_waived_for_group": null, "foreign_transaction_fee_pct": 3.0, "foreign_transaction_fee": null, "cash_advance_fee_pct": null, "cash_advance_fee": null, "late_payment_fee": null, "additional_cardholder_fee": 1.0, "bt_promo_rate_pct": null, "bt_promo_months": null, "bt_fee_pct": null, "bt_revert_rate_pct": null, "bt_revert_to": null, "rewards_program": "Heritage Credits is Heritage's loyalty program", "rewards_programs": [ "Heritage Credits is Heritage's loyalty program" ], "rewards_program_fee": null, "bonus_offer": null, "cashback_offer": null, "digital_wallets": [ "Google Pay", "Samsung Pay", "Fitbit Pay", "Garmin Pay", "Apple Pay" ], "instalment_plan": false, "additional_cards": null, "additional_cards_offered": null, "min_credit_limit": 1000.0, "max_credit_limit": null, "min_income": null, "min_age": 18, "restrictions": [], "who_can_open": { "restricted": false, "groups": [], "open_note": null }, "conditions": [ "corrected from the bank's own page: no longer offered: Heritage Bank's page says \"credit cards are no longer available through Heritage Bank\", and People First Bank lists only a personal Visa", "no longer offered: Heritage Bank no longer offers credit cards" ], "ranked": false, "unranked_reason": "closed_to_new", "source_kind": "feed", "record_stale": false, "source_url": "https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products/59c9ee22-c20e-4f97-bb8c-692b7fa4ad99", "source_snapshot": "/au/finance/credit-cards/v1/source/people-first-and-heritage-bank/59c9ee22-c20e-4f97-bb8c-692b7fa4ad99.json", "snapshot_at": "2026-11-12T02:36:00Z", "bank_last_updated": "2026-06-04T00:02:48.231Z", "correction": { "checked": "2026-11-01", "note": "no longer offered: Heritage Bank's page says \"credit cards are no longer available through Heritage Bank\", and People First Bank lists only a personal Visa", "fields": [ "ranked", "unranked_reason" ], "quotes": { "closed": { "text": "We’ve recently updated our product offering and credit cards are no longer available through Heritage Bank.", "url": "https://www.heritage.com.au/product-no-longer-available", "citation": { "quote": "We’ve recently updated our product offering and credit cards are no longer available through Heritage Bank.", "url": "https://www.heritage.com.au/product-no-longer-available#:~:text=We%E2%80%99ve%20recently%20updated%20our%20product,longer%20available%20through%20Heritage%20Bank.", "document_sha256": "6274a04544a9a0142fa9034f4451afae0365932dbeb4f13360efc6fdb0f1b1e5", "confirmed": "2026-11-12" } } }, "verified": { "closed": "found" } }, "from_issuer_page": [ { "source": "confirmation", "fields": [], "confirmed": "2026-11-12", "url": "https://www.heritage.com.au/product-no-longer-available#:~:text=We%E2%80%99ve%20recently%20updated%20our%20product,longer%20available%20through%20Heritage%20Bank.", "quote": "We’ve recently updated our product offering and credit cards are no longer available through Heritage Bank." } ], "rate_pct": 12.95, "rankings": [] }, { "brand": "Police Bank", "brand_label": "Police Bank", "brand_slug": "police-bank", "legal_entity_abn": "95087650799", "product_id": "c2455d26-e138-4804-b59f-eccfef6df1ee", "product_name": "Credit Card", "product_label": "Credit Card", "product_slug": "credit-card", "page": "/au/finance/credit-cards/cards/police-bank/credit-card/", "product_url": "https://www.policebank.com.au/credit-card", "terms_url": null, "fees_url": null, "eligibility_url": "https://cdn.mediavalet.com/aunsw/policebank/VJvq0feD5k--AWdA-eYtXw/NcnCdkzcDUOBShjKjqYU-A/Original/PBS14_Credit-Card-TMD.pdf", "card_type": "credit", "scheme": "visa", "tier": null, "segments": [ "personal" ], "segment": "personal", "purchase_rate_pct": 10.76, "purchase_rate_is_base": null, "no_interest_card": null, "purchase_rate_range_pct": null, "cash_advance_rate_pct": 10.76, "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, "fee_name": "Visa Credit Card Annual Fee", "first_year_fee_waived": false, "fee_waived_for_group": null, "foreign_transaction_fee_pct": 3.0, "foreign_transaction_fee": null, "cash_advance_fee_pct": null, "cash_advance_fee": 3.8, "late_payment_fee": 10.0, "additional_cardholder_fee": 5.0, "bt_promo_rate_pct": null, "bt_promo_months": null, "bt_fee_pct": null, "bt_revert_rate_pct": null, "bt_revert_to": null, "rewards_program": null, "rewards_programs": [], "rewards_program_fee": null, "bonus_offer": null, "cashback_offer": null, "digital_wallets": [ "Google Pay", "Samsung Pay", "Apple Pay" ], "instalment_plan": false, "additional_cards": null, "additional_cards_offered": null, "min_credit_limit": null, "max_credit_limit": null, "min_income": null, "min_age": 18, "restrictions": [], "who_can_open": { "restricted": false, "groups": [], "open_note": null }, "conditions": [ "$30 annual fee waived in the first year", "minimum credit limit $1,000" ], "ranked": true, "unranked_reason": null, "source_kind": "feed", "record_stale": false, "source_url": "https://public.cdr.prd.policebank.com.au/cds-au/v1/banking/products/c2455d26-e138-4804-b59f-eccfef6df1ee", "source_snapshot": "/au/finance/credit-cards/v1/source/police-bank/c2455d26-e138-4804-b59f-eccfef6df1ee.json", "snapshot_at": "2026-11-12T02:36:00Z", "bank_last_updated": "2026-07-28T22:48:34.353Z", "from_issuer_page": null, "rate_pct": 10.76, "rankings": [ { "segment": "personal", "kind": "low_rate", "rank": 12, "of": 52, "hidden_by_default": null } ] }, { "brand": "Police Bank", "brand_label": "Police Bank", "brand_slug": "police-bank", "legal_entity_abn": "95087650799", "product_id": "4b04816d-c585-4702-88f8-19f928de57a0", "product_name": "Police Student Credit Card", "product_label": "Student Credit Card", "product_slug": "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, "fees_url": null, "eligibility_url": "https://cdn.mediavalet.com/aunsw/policebank/hHJRPThAFkuxc-Ty2_iJIg/LxZ7JlAT706TzKwISu0e-A/Original/PBS14-STU_Student-Credit-Card-TMD.pdf", "card_type": "credit", "scheme": "visa", "tier": null, "segments": [ "personal" ], "segment": "personal", "purchase_rate_pct": 10.76, "purchase_rate_is_base": null, "no_interest_card": null, "purchase_rate_range_pct": null, "cash_advance_rate_pct": 10.76, "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, "fee_name": "Visa Credit Card Annual Fee", "first_year_fee_waived": false, "fee_waived_for_group": null, "foreign_transaction_fee_pct": 3.0, "foreign_transaction_fee": null, "cash_advance_fee_pct": null, "cash_advance_fee": 3.8, "late_payment_fee": 10.0, "additional_cardholder_fee": 5.0, "bt_promo_rate_pct": null, "bt_promo_months": null, "bt_fee_pct": null, "bt_revert_rate_pct": null, "bt_revert_to": null, "rewards_program": null, "rewards_programs": [], "rewards_program_fee": null, "bonus_offer": null, "cashback_offer": null, "digital_wallets": [ "Google Pay", "Samsung Pay", "Apple Pay" ], "instalment_plan": false, "additional_cards": null, "additional_cards_offered": null, "min_credit_limit": null, "max_credit_limit": null, "min_income": null, "min_age": 18, "restrictions": [ "student" ], "who_can_open": { "restricted": true, "groups": [ { "kind": "student", "who": "students", "level": "product", "quote": "Police Student Credit Card", "source": "name" } ], "open_note": 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" ], "ranked": true, "unranked_reason": null, "source_kind": "feed", "record_stale": false, "source_url": "https://public.cdr.prd.policebank.com.au/cds-au/v1/banking/products/4b04816d-c585-4702-88f8-19f928de57a0", "source_snapshot": "/au/finance/credit-cards/v1/source/police-bank/4b04816d-c585-4702-88f8-19f928de57a0.json", "snapshot_at": "2026-11-12T02:36:00Z", "bank_last_updated": "2026-07-28T22:48:33.717Z", "from_issuer_page": null, "rate_pct": 10.76, "rankings": [] }, { "brand": "Police Credit Union Ltd", "brand_label": "Police Credit Union", "brand_slug": "police-credit-union-ltd", "legal_entity_abn": "30087651205", "product_id": "extralite_Credit_Card", "product_name": "extralite Credit Card", "product_label": "Extralite Credit Card", "product_slug": "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", "fees_url": "https://www.policecu.com.au/PCUDocuments/Fees_and_Charges_Personal_Credit_and_Overdraft.pdf", "eligibility_url": "https://www.policecu.com.au/rates/", "card_type": "credit", "scheme": null, "tier": null, "segments": [ "personal" ], "segment": "personal", "purchase_rate_pct": 14.24, "purchase_rate_is_base": null, "no_interest_card": null, "purchase_rate_range_pct": null, "cash_advance_rate_pct": 14.24, "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, "fee_name": null, "first_year_fee_waived": false, "fee_waived_for_group": null, "foreign_transaction_fee_pct": null, "foreign_transaction_fee": null, "cash_advance_fee_pct": null, "cash_advance_fee": null, "late_payment_fee": null, "additional_cardholder_fee": null, "bt_promo_rate_pct": null, "bt_promo_months": null, "bt_fee_pct": null, "bt_revert_rate_pct": null, "bt_revert_to": null, "rewards_program": null, "rewards_programs": [], "rewards_program_fee": null, "bonus_offer": null, "cashback_offer": null, "digital_wallets": [ "Apple Pay", "Samsung Pay", "Google Pay" ], "instalment_plan": false, "additional_cards": null, "additional_cards_offered": null, "min_credit_limit": 1000.0, "max_credit_limit": 10000, "min_income": null, "min_age": 18, "restrictions": [], "who_can_open": { "restricted": false, "groups": [], "open_note": 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" ], "ranked": true, "unranked_reason": null, "source_kind": "feed", "record_stale": false, "source_url": "https://api.policecu.com.au/OpenBanking/cds-au/v1/banking/products/extralite_Credit_Card", "source_snapshot": "/au/finance/credit-cards/v1/source/police-credit-union-ltd/extralite_Credit_Card.json", "snapshot_at": "2026-11-12T02:36:00Z", "bank_last_updated": "2026-04-27T11:31:49.000+09:30", "document_links_source": { "terms_url": "found by hand 2026-11-01: terms and conditions", "key_facts_sheet_url": "found by hand 2026-11-01: Key Facts Sheet" }, "key_facts_sheet_url": "https://www.policecu.com.au/PCUDocuments/Credit_Card_Key_Fact_Sheet.pdf", "correction": { "checked": "2026-11-01", "note": "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", "fields": [ "annual_fee", "annual_fee_stated", "fee_as_stated", "fee_period", "interest_free_days", "max_credit_limit" ], "quotes": { "annual_fee": { "text": "No monthly, annual, account keeping fees, or transaction fees on Visa credit purchases.", "url": "https://www.policecu.com.au/products/extralite-credit-card", "citation": { "quote": "No monthly, annual, account keeping fees, or transaction fees on Visa credit purchases.", "url": "https://www.policecu.com.au/products/extralite-credit-card#:~:text=No%20monthly%2C%20annual%2C%20account%20keeping,fees%20on%20Visa%20credit%20purchases.", "document_sha256": "96ec16834811f6b4feee214030506a887edcfdfe62688d44089a04caf7b68f7c", "confirmed": "2026-11-12" } }, "interest_free": { "text": "Up to 44 days on purchases only", "url": "https://www.policecu.com.au/PCUDocuments/Credit_Card_Key_Fact_Sheet.pdf", "citation": { "quote": "Up to 44 days on purchases only", "url": "https://www.policecu.com.au/PCUDocuments/Credit_Card_Key_Fact_Sheet.pdf#page=1", "page": 1, "document_sha256": "8f6152f13a67c244e476e0c32b38b4671cd97db29dd67d60e355e5eabe823d65", "confirmed": "2026-11-12" } }, "credit_limit": { "text": "Min $1,000.00 - Max $10,000", "url": "https://www.policecu.com.au/PCUDocuments/Credit_Card_Key_Fact_Sheet.pdf", "citation": { "quote": "Min $1,000.00 - Max $10,000", "url": "https://www.policecu.com.au/PCUDocuments/Credit_Card_Key_Fact_Sheet.pdf#page=1", "page": 1, "document_sha256": "8f6152f13a67c244e476e0c32b38b4671cd97db29dd67d60e355e5eabe823d65", "confirmed": "2026-11-12" } } }, "verified": { "annual_fee": "found", "interest_free": "found", "credit_limit": "found" } }, "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." } ], "rate_pct": 14.24, "rankings": [ { "segment": "personal", "kind": "low_rate", "rank": 45, "of": 52, "hidden_by_default": null }, { "segment": "personal", "kind": "no_annual_fee", "rank": 6, "of": 10, "hidden_by_default": null } ] }, { "brand": "Police Credit Union Ltd", "brand_label": "Police Credit Union", "brand_slug": "police-credit-union-ltd", "legal_entity_abn": "30087651205", "product_id": "SoLo_Credit_Card", "product_name": "SoLo Credit Card", "product_label": "SoLo Credit Card", "product_slug": "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": 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days" ], "ranked": true, "unranked_reason": null, "source_kind": "feed", "record_stale": false, "source_url": "https://api.policecu.com.au/OpenBanking/cds-au/v1/banking/products/SoLo_Credit_Card", "source_snapshot": "/au/finance/credit-cards/v1/source/police-credit-union-ltd/SoLo_Credit_Card.json", "snapshot_at": "2026-11-12T02:36:00Z", "bank_last_updated": "2026-04-27T11:33:53.000+09:30", "document_links_source": { "terms_url": "found by hand 2026-11-01: terms and conditions", "key_facts_sheet_url": "found by hand 2026-11-01: Key Facts Sheet" }, "key_facts_sheet_url": "https://www.policecu.com.au/PCUDocuments/Credit_Card_Key_Fact_Sheet.pdf", "correction": { "checked": "2026-10-30", "note": "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 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"qantas-money-credit-cards", "legal_entity_abn": "12004044937", "product_id": "3c2e5891-989b-4722-bc22-c30cb30137b6", "product_name": "Qantas Money Everyday Credit Card", "product_label": "Money Everyday Credit Card", "product_slug": "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", "fees_url": "https://www.qantasmoney.com/credit-cards/everyday/fees-and-rates", "eligibility_url": "https://www.qantasmoney.com/credit-cards/everyday", "card_type": "credit", "scheme": "mastercard", "tier": null, "segments": [ "personal" ], "segment": "personal", "purchase_rate_pct": 20.99, "purchase_rate_is_base": null, "no_interest_card": null, "purchase_rate_range_pct": null, "cash_advance_rate_pct": 21.99, "intro_purchase_rate_pct": null, 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"who_can_open": { "restricted": false, "groups": [], "open_note": null }, "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.", "offers are for new primary cardholders", "0.75 Qantas Points per $1 domestic up to $3,000 a statement period, then 0.4; 1 point per $1 international", "5,000 bonus Qantas Points for $3,000 spend within 90 days", "balance transfer offer for new cardholders only; total transfers up to 80% of the limit" ], "ranked": true, "unranked_reason": null, "source_kind": "feed", "record_stale": false, "source_url": 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Reverts to Cash Advance rate after 24 months.", "url": "https://www.qantasmoney.com/credit-cards/everyday", "citation": { "quote": "0% p.a. for 24 months, with a 3% Balance Transfer fee. Reverts to Cash Advance rate after 24 months.", "url": "https://www.qantasmoney.com/credit-cards/everyday#:~:text=0%25%20p.a.%20for%2024%20months%2C,Advance%20rate%20after%2024%20months.", "document_sha256": "bb47f43ed5ec967be271077c3b0550ff358bae89c8bda52f70bff9e126327cec", "confirmed": "2026-11-12" } }, "rate": { "text": "20.99% p.a.", "url": "https://www.qantasmoney.com/credit-cards/everyday", "citation": { "quote": "20.99% p.a.", "url": "https://www.qantasmoney.com/credit-cards/everyday#:~:text=20.99%25%20p.a.", "document_sha256": "bb47f43ed5ec967be271077c3b0550ff358bae89c8bda52f70bff9e126327cec", "confirmed": "2026-11-12" } } }, "verified": { "balance_transfer": "found", "rate": "found" } }, "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. 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A 3% Balance Transfer fee applies. Reverts to Cash Advance rate after 24 months.", "url": "https://www.qantasmoney.com/credit-cards/platinum", "citation": { "quote": "0% p.a. for 24 months on Balance Transfers. A 3% Balance Transfer fee applies. Reverts to Cash Advance rate after 24 months.", "url": "https://www.qantasmoney.com/credit-cards/platinum#:~:text=0%25%20p.a.%20for%2024%20months,Advance%20rate%20after%2024%20months.", "document_sha256": "3a58ca4081991dd9008a8d72a11f6ca6f610e09e0cd5293ff0fc8d71859ab826", "confirmed": "2026-11-12" } }, "rate": { "text": "Retail Purchase Rate 20.99% p.a.", "url": "https://www.qantasmoney.com/credit-cards/platinum", "citation": { "quote": "Retail Purchase Rate 20.99% p.a.", "url": "https://www.qantasmoney.com/credit-cards/platinum#:~:text=Retail%20Purchase%20Rate%2020.99%25%20p.a.", "document_sha256": "3a58ca4081991dd9008a8d72a11f6ca6f610e09e0cd5293ff0fc8d71859ab826", "confirmed": "2026-11-12" } }, "annual_fee": { "text": "$399 per year.", "url": "https://www.qantasmoney.com/credit-cards/platinum", "citation": { "quote": "$399 per year.", "url": "https://www.qantasmoney.com/credit-cards/platinum#:~:text=%24399%20per%20year.", "document_sha256": "3a58ca4081991dd9008a8d72a11f6ca6f610e09e0cd5293ff0fc8d71859ab826", "confirmed": "2026-11-12" } } }, "verified": { "balance_transfer": "found", "rate": "found", "annual_fee": "found" } }, "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." } ], "rate_pct": 20.99, "rankings": [] }, { "brand": "Qantas Money Credit Cards", "brand_label": "Qantas Money Credit Cards", "brand_slug": "qantas-money-credit-cards", "legal_entity_abn": "12004044937", "product_id": "9db7d421-cc03-4dca-af57-05cbe5f183e2", "product_name": "Qantas Money Titanium Credit Card", "product_label": "Money Titanium Credit Card", "product_slug": "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", "fees_url": "https://www.qantasmoney.com/credit-cards/titanium/fees-and-rates", "eligibility_url": "https://www.qantasmoney.com/credit-cards/titanium", "card_type": "credit", "scheme": "mastercard", "tier": "titanium", "segments": [ "personal" ], "segment": "personal", "purchase_rate_pct": 20.99, "purchase_rate_is_base": null, "no_interest_card": null, "purchase_rate_range_pct": null, "cash_advance_rate_pct": 21.99, "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, "fee_name": "Annual Fee", "first_year_fee_waived": false, "fee_waived_for_group": null, "foreign_transaction_fee_pct": 3.0, "foreign_transaction_fee": null, "cash_advance_fee_pct": 3.0, "cash_advance_fee": null, "late_payment_fee": 30.0, "additional_cardholder_fee": 100.0, "bt_promo_rate_pct": 0.0, "bt_promo_months": 6, "bt_fee_pct": null, "bt_revert_rate_pct": 21.99, "bt_revert_to": "cash_advance", "rewards_program": "Qantas Frequent Flyer", "rewards_programs": [ "Qantas Frequent Flyer" ], "rewards_program_fee": null, "bonus_offer": null, "cashback_offer": null, "digital_wallets": [ "Apple Pay", "Google Pay" ], "instalment_plan": true, "additional_cards": 4, "additional_cards_offered": true, "min_credit_limit": 15000.0, "max_credit_limit": 100000.0, "min_income": 200000.0, "min_age": 18, "restrictions": [], "who_can_open": { "restricted": false, "groups": [], "open_note": null }, "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", "offers are for new primary cardholders", "120,000 bonus Qantas Points for $5,000 spend within 90 days", "1.25 Qantas Points per $1 domestic up to $12,500 a statement period, then 0.5; 2 international", "0% on balance transfers for 6 months, then the cash advance rate" ], "ranked": true, "unranked_reason": null, "source_kind": "feed", "record_stale": false, "source_url": "https://api.openbanking.qantasmoney.com/cds-au/v1/banking/products/9db7d421-cc03-4dca-af57-05cbe5f183e2", "source_snapshot": "/au/finance/credit-cards/v1/source/qantas-money-credit-cards/9db7d421-cc03-4dca-af57-05cbe5f183e2.json", "snapshot_at": "2026-11-12T02:36:00Z", "bank_last_updated": "2026-11-02T00:12:00Z", "document_links_source": { "terms_url": "found by hand 2026-11-01: terms and conditions", "key_facts_sheet_url": "found by hand 2026-11-01: Key Facts Sheet" }, "key_facts_sheet_url": "https://www.qantasmoney.com/assets/legals/qmoney/documents/Key_Facts_Sheet.pdf", "correction": { "checked": "2026-11-07", "note": "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)", "fields": [ "balance_transfer" ], "quotes": { "balance_transfer": { "text": "0% p.a. for 6 months. Reverts to Cash Advance rate after 6 months.", "url": "https://www.qantasmoney.com/credit-cards/titanium", "citation": { "quote": "0% p.a. for 6 months. Reverts to Cash Advance rate after 6 months.", "url": "https://www.qantasmoney.com/credit-cards/titanium#:~:text=0%25%20p.a.%20for%206%20months.,Advance%20rate%20after%206%20months.", "document_sha256": "ad1bf874a55bb2309ea4cab0ad81fea3bdea62eff2c400f75180f03d71254019", "confirmed": "2026-11-12" } }, "rate": { "text": "Retail Purchase Rate 20.99% p.a.", "url": "https://www.qantasmoney.com/credit-cards/titanium", "citation": { "quote": "Retail Purchase Rate 20.99% p.a.", "url": "https://www.qantasmoney.com/credit-cards/titanium#:~:text=Retail%20Purchase%20Rate%2020.99%25%20p.a.", "document_sha256": "ad1bf874a55bb2309ea4cab0ad81fea3bdea62eff2c400f75180f03d71254019", "confirmed": "2026-11-12" } }, "annual_fee": { "text": "$1,200 per year", "url": "https://www.qantasmoney.com/credit-cards/titanium", "citation": { "quote": "$1,200 per year", "url": "https://www.qantasmoney.com/credit-cards/titanium#:~:text=%241%2C200%20per%20year", "document_sha256": "ad1bf874a55bb2309ea4cab0ad81fea3bdea62eff2c400f75180f03d71254019", "confirmed": "2026-11-12" } } }, "verified": { "balance_transfer": "found", "rate": "found", "annual_fee": "found" } }, "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." } ], "rate_pct": 20.99, "rankings": [] }, { "brand": "QBANK", "brand_label": "QBank", "brand_slug": "qbank", "legal_entity_abn": "79087651036", "product_id": "S25_Bluey", "product_name": "Bluey Visa Credit Card", "product_label": "Bluey Visa Credit Card", "product_slug": "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", "fees_url": "https://www.qbank.com.au/loans-products/credit-cards/", "eligibility_url": "https://www.qbank.com.au/who-can-join/", "card_type": "credit", "scheme": "visa", "tier": null, "segments": [ "personal" ], "segment": "personal", "purchase_rate_pct": 12.74, "purchase_rate_is_base": null, "no_interest_card": null, "purchase_rate_range_pct": null, "cash_advance_rate_pct": 12.74, "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, "fee_name": null, "first_year_fee_waived": false, "fee_waived_for_group": null, "foreign_transaction_fee_pct": 3.65, "foreign_transaction_fee": 35.0, "cash_advance_fee_pct": null, "cash_advance_fee": null, "late_payment_fee": null, "additional_cardholder_fee": null, "bt_promo_rate_pct": 0.0, "bt_promo_months": 12, "bt_fee_pct": null, "bt_revert_rate_pct": null, "bt_revert_to": null, "rewards_program": null, "rewards_programs": [], "rewards_program_fee": null, "bonus_offer": null, "cashback_offer": null, "digital_wallets": [ "Apple Pay", "Google Pay" ], "instalment_plan": false, "additional_cards": null, "additional_cards_offered": true, "min_credit_limit": 1000.0, "max_credit_limit": null, "min_income": null, "min_age": null, "restrictions": [ "occupation_membership" ], "who_can_open": { "restricted": true, "groups": [ { "kind": "occupation", "who": "current or former employees of police, ambulance, firies, health workers, emergency services, correctional services and government employees as well as their family members", "level": "bank", "quote": "You must be a member. Membership is open to current or former employees of police, ambulance, firies, health workers, emergency services, correctional services and government employees as well as their family members.", "source": "feed: eligibility OTHER" } ], "open_note": 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", "no annual fee", "$8 late payment fee", "$4 cash advance fee per transaction" ], "ranked": true, "unranked_reason": null, "source_kind": "feed", "record_stale": false, "source_url": "https://banking.qbank.com.au/openbanking/cds-au/v1/banking/products/S25_Bluey", "source_snapshot": "/au/finance/credit-cards/v1/source/qbank/S25_Bluey.json", "snapshot_at": "2026-11-12T02:36:02Z", "bank_last_updated": "2026-10-19T06:10:22.000+10:00", "document_links_source": { "terms_url": "found by hand 2026-11-01: terms and conditions", "key_facts_sheet_url": "found by hand 2026-11-01: Key Facts Sheet" }, "key_facts_sheet_url": "https://www.qbank.com.au/media/4987/ccfs191026-credit-card-fact-sheet.pdf", "correction": { "checked": "2026-11-01", "note": "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", "fields": [ "annual_fee", "annual_fee_stated", "fee_as_stated", "fee_period", "intro_purchase_months", "intro_purchase_rate_pct", "balance_transfer" ], "quotes": { "rate": { "text": "Interest on purchases 12.74% p.a.*", "url": "https://www.qbank.com.au/media/4987/ccfs191026-credit-card-fact-sheet.pdf", "citation": { "quote": "Interest on purchases 12.74% p.a.*", "url": "https://www.qbank.com.au/media/4987/ccfs191026-credit-card-fact-sheet.pdf#page=1", "page": 1, "document_sha256": "e35fd627e358c242d8a6c32244dca815dcc49a57f6fab75f59eb122d10873e73", "confirmed": "2026-11-12" } }, "balance_transfer": { "text": "Balance Transfer Interest Rate 0.00% p.a.* for 12 months from the transfer date", "url": "https://www.qbank.com.au/media/4987/ccfs191026-credit-card-fact-sheet.pdf", "citation": { "quote": "Balance Transfer Interest Rate 0.00% p.a.* for 12 months from the transfer date", "url": "https://www.qbank.com.au/media/4987/ccfs191026-credit-card-fact-sheet.pdf#page=1", "page": 1, "document_sha256": "e35fd627e358c242d8a6c32244dca815dcc49a57f6fab75f59eb122d10873e73", "confirmed": "2026-11-12" } }, "annual_fee": { "text": "Annual fee Nil", "url": "https://www.qbank.com.au/media/4987/ccfs191026-credit-card-fact-sheet.pdf", "citation": { "quote": "Annual fee Nil", "url": "https://www.qbank.com.au/media/4987/ccfs191026-credit-card-fact-sheet.pdf#page=1", "page": 1, "document_sha256": "e35fd627e358c242d8a6c32244dca815dcc49a57f6fab75f59eb122d10873e73", "confirmed": "2026-11-12" } } }, "verified": { "rate": "found", "balance_transfer": "found", "annual_fee": "found" } }, "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" } ], "rate_pct": 12.74, "rankings": [ { "segment": "personal", "kind": "low_rate", "rank": 36, "of": 62, "hidden_by_default": true }, { "segment": "personal", "kind": "no_annual_fee", "rank": 7, "of": 11, "hidden_by_default": true }, { "segment": "personal", "kind": "balance_transfer", "rank": 16, "of": 29, "hidden_by_default": true } ] }, { "brand": "Qudos Bank", "brand_label": "Qudos Bank", "brand_slug": "qudos-bank", "legal_entity_abn": "21087651607", "product_id": "9be8ebbe-7ed3-4ae2-bc1e-c794f5730339", "product_name": "Lifestyle", "product_label": "Lifestyle", "product_slug": "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/", "fees_url": "https://www.qudosbank.com.au/products/credit-cards/lifestyle-credit-card", "eligibility_url": "https://www.qudosbank.com.au/products/credit-cards/lifestyle-credit-card", "card_type": "credit", "scheme": "visa", "tier": null, "segments": [ "personal" ], "segment": "personal", "purchase_rate_pct": 12.34, "purchase_rate_is_base": null, "no_interest_card": null, "purchase_rate_range_pct": null, "cash_advance_rate_pct": 12.34, "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, "fee_name": "Annual Fee", "first_year_fee_waived": false, "fee_waived_for_group": null, "foreign_transaction_fee_pct": 3.0, "foreign_transaction_fee": null, "cash_advance_fee_pct": null, "cash_advance_fee": 3.5, "late_payment_fee": 0.0, "additional_cardholder_fee": 0.0, "bt_promo_rate_pct": null, "bt_promo_months": null, "bt_fee_pct": null, "bt_revert_rate_pct": null, "bt_revert_to": null, "rewards_program": null, "rewards_programs": [], "rewards_program_fee": null, "bonus_offer": null, "cashback_offer": null, "digital_wallets": [ "Apple Pay", "Google Pay" ], "instalment_plan": false, "additional_cards": 1, "additional_cards_offered": true, "min_credit_limit": 1000.0, "max_credit_limit": 20000.0, "min_income": null, "min_age": 18, "restrictions": [ "existing_customers" ], "who_can_open": { "restricted": true, "groups": [ { "kind": "existing_customers", "who": "existing Qudos Bank customers only; new customers are sent to Bank Australia", "level": "product", "quote": "If you’re a new customer, select ‘I’m a new customer’ to view Bank Australia credit cards on the Bank Australia website.", "source": "https://www.qudosbank.com.au/products/credit-cards/lifestyle-credit-card", "citation": { "quote": "If you’re a new customer, select ‘I’m a new customer’ to view Bank Australia credit cards on the Bank Australia website.", "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.", "document_sha256": "82350477979cd81bf65b313efd1ec43b7ac9a5b7ec94446d775782fd24240683", "confirmed": "2026-11-12" } } ], "open_note": 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" ], "ranked": true, "unranked_reason": null, "source_kind": "feed", "record_stale": false, "source_url": "https://public.cdr.qudosbank.com.au/cds-au/v1/banking/products/9be8ebbe-7ed3-4ae2-bc1e-c794f5730339", "source_snapshot": "/au/finance/credit-cards/v1/source/qudos-bank/9be8ebbe-7ed3-4ae2-bc1e-c794f5730339.json", "snapshot_at": "2026-11-12T02:36:02Z", "bank_last_updated": "2026-02-27T04:23:05.801Z", "document_links_source": { "terms_url": "found by hand 2026-11-01: terms and conditions" }, "correction": { "checked": "2026-11-01", "note": "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", "fields": [ "balance_transfer", "intro_purchase_months", "intro_purchase_rate_pct", "conditions" ], "quotes": { "effective_date": { "text": "Effective 1 November 2026", "url": "https://www.qudosbank.com.au/products/rates/credit-cards-rates", "citation": { "quote": "Effective 1 November 2026", "url": "https://www.qudosbank.com.au/products/rates/credit-cards-rates#:~:text=Effective%201%20November%202026", "document_sha256": "f9ffd4f9bbfdefc4efe8ec80ecafd10056c9cf68d8798fa27525e19e4d0dff06", "confirmed": "2026-11-12" } }, "rate": { "text": "Interest on purchases 20.99 19.74 12.34", "url": "https://www.qudosbank.com.au/products/rates/credit-cards-rates", "citation": { "quote": "Interest on purchases 20.99 19.74 12.34", "url": "https://www.qudosbank.com.au/products/rates/credit-cards-rates#:~:text=Interest%20on%20purchases%2020.99%2019.74%2012.34", "document_sha256": "f9ffd4f9bbfdefc4efe8ec80ecafd10056c9cf68d8798fa27525e19e4d0dff06", "confirmed": "2026-11-12" } }, "intro_ended": { "text": "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.", "url": "https://www.qudosbank.com.au/credit-card-updates", "citation": { "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.", "url": "https://www.qudosbank.com.au/credit-card-updates#:~:text=From%201%20November%202026%2C%20the,Qudos%20Bank%20credit%20card%20applications.", "document_sha256": "f68255c5e06fa836c602634590ee51b50049c2bd74330e3115357572d092bb00", "confirmed": "2026-11-12" } } }, "verified": { "effective_date": "found", "rate": "found", "intro_ended": "found" } }, "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." } ], "rate_pct": 12.34, "rankings": [ { "segment": "personal", "kind": "low_rate", "rank": 25, "of": 52, "hidden_by_default": null }, { "segment": "personal", "kind": "no_annual_fee", "rank": 4, "of": 10, "hidden_by_default": null } ] }, { "brand": "Qudos Bank", "brand_label": "Qudos Bank", "brand_slug": "qudos-bank", "legal_entity_abn": "21087651607", "product_id": "79cd516c-e420-421b-b6c9-3a98ee95fe63", "product_name": "Lifestyle Plus", "product_label": "Lifestyle Plus", "product_slug": "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/", "fees_url": "https://www.qudosbank.com.au/products/credit-cards/lifestyle-plus-credit-card", "eligibility_url": "https://www.qudosbank.com.au/products/credit-cards/lifestyle-plus-credit-card", "card_type": "credit", "scheme": "visa", "tier": null, "segments": [ "personal" ], "segment": "personal", "purchase_rate_pct": 19.74, "purchase_rate_is_base": null, "no_interest_card": null, "purchase_rate_range_pct": null, "cash_advance_rate_pct": 19.74, "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, "fee_name": "Annual Fee", "first_year_fee_waived": false, 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"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", "fees_url": "https://www.stgeorge.com.au/content/dam/stg/downloads/accounts_and_cards/stg-cc-fee-charges.pdf", "eligibility_url": "https://www.stgeorge.com.au/personal/credit-cards/low-rate/vertigo-rainbow-card", "card_type": "credit", "scheme": "visa", "tier": null, "segments": [ "personal" ], "segment": "personal", "purchase_rate_pct": 13.99, "purchase_rate_is_base": null, "no_interest_card": null, "purchase_rate_range_pct": null, "cash_advance_rate_pct": 21.99, "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, "fee_name": "Monthly Card Fee", "first_year_fee_waived": false, "fee_waived_for_group": null, 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"https://www.stgeorge.com.au/content/dam/stg/downloads/personal/credit-cards/stg_credit_card_terms_and_conditions.pdf", "fees_url": "https://www.stgeorge.com.au/content/dam/stg/downloads/accounts_and_cards/stg-cc-fee-charges.pdf", "eligibility_url": "https://www.stgeorge.com.au/personal/credit-cards/low-rate", "card_type": "credit", "scheme": "visa", "tier": null, "segments": [ "personal" ], "segment": "personal", "purchase_rate_pct": 13.99, "purchase_rate_is_base": null, "no_interest_card": null, "purchase_rate_range_pct": null, "cash_advance_rate_pct": 21.99, "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, "fee_name": "Monthly Card Fee", "first_year_fee_waived": false, "fee_waived_for_group": null, "foreign_transaction_fee_pct": 3.0, "foreign_transaction_fee": null, "cash_advance_fee_pct": 3.5, "cash_advance_fee": null, 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"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", "$450 cashback not for anyone who has held a St.George, Bank of Melbourne or BankSA credit card in the last 24 months", "from 30 November 2026 the purchase rate rises to 14.99% and the cash advance rate to 24.24%, and the minimum payment becomes 2.5% or $25", "balance transfer minimum $200, up to 80% of the approved limit, from up to 3 non-group cards; the other card's issuer must accept BPAY" ], "ranked": true, "unranked_reason": null, "source_kind": "feed", "record_stale": false, "source_url": "https://digital-api.stgeorge.com.au/cds-au/v1/banking/products/STGCCVertigocard", "source_snapshot": "/au/finance/credit-cards/v1/source/st-george-bank/STGCCVertigocard.json", "snapshot_at": "2026-11-12T02:36:05Z", "bank_last_updated": "2026-11-05T02:44:44Z", "key_facts_sheet_url": "https://www.stgeorge.com.au/personal/credit-cards/tools/credit-card-key-facts-sheet", "document_links_source": { "key_facts_sheet_url": "found by hand 2026-11-01: Key Facts Sheet" }, "from_issuer_page": null, "rate_pct": 13.99, "rankings": [] }, { "brand": "Summerland Bank", "brand_label": "Summerland Bank", "brand_slug": "summerland-bank", "legal_entity_abn": "21087650360", "product_id": "74", "product_name": "Low Rate Credit Card", "product_label": "Low Rate Credit Card", "product_slug": "low-rate-credit-card", "page": "/au/finance/credit-cards/cards/summerland-bank/low-rate-credit-card/", "product_url": "https://summerland.com.au/my-banking/credit-cards/", "terms_url": "https://www.summerland.com.au/detailed-credit-card-product-guide", "fees_url": "https://www.summerland.com.au/fees-charges-transaction-limits", "eligibility_url": null, "card_type": "credit", "scheme": "visa", "tier": null, "segments": [ "personal" ], "segment": "personal", "purchase_rate_pct": 11.99, "purchase_rate_is_base": null, "no_interest_card": null, "purchase_rate_range_pct": null, "cash_advance_rate_pct": 15.99, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 56, "annual_fee": 49.0, "fee_period": "annual", "fee_as_stated": 49.0, "annual_fee_stated": true, "annual_fee_note": null, "fee_name": "Low Rate Annual Fee", "first_year_fee_waived": false, "fee_waived_for_group": null, "foreign_transaction_fee_pct": null, "foreign_transaction_fee": null, "cash_advance_fee_pct": null, "cash_advance_fee": null, "late_payment_fee": null, "additional_cardholder_fee": null, "bt_promo_rate_pct": 0.0, "bt_promo_months": 9, "bt_fee_pct": null, "bt_revert_rate_pct": null, "bt_revert_to": null, "rewards_program": null, "rewards_programs": [], "rewards_program_fee": null, "bonus_offer": null, "cashback_offer": null, "digital_wallets": [ "Apple Pay", "Google Pay" ], "instalment_plan": false, "additional_cards": null, "additional_cards_offered": true, "min_credit_limit": null, "max_credit_limit": null, "min_income": null, "min_age": null, "restrictions": [], "who_can_open": { "restricted": false, "groups": [], "open_note": null }, "conditions": [ "corrected from the bank's own page: 11.99% on purchases, 15.99% on cash advances and up to 56 interest-free days, per the bank's Key Facts Sheet (correct as at 1 July 2026); the feed gives no purchase or cash advance rate and 55 days", "0.00% on balance transfers for 9 months", "no late payment fee", "up to 56 days interest-free on purchases, including while a balance transfer is outstanding", "minimum balance transfer $1,000, only from Australian-issued non-Summerland cards", "$3.50 fee for each Visa cash advance or ATM withdrawal, including overseas", "$49 annual fee waived in the first year", "0% for 9 months on transfers requested with a new card application, then the purchase rate; no transfer fee; minimum $1,000 from non-Summerland Australian cards", "purchase rate 11.99%, cash advance rate 15.99% (the feed gives no rates)" ], "ranked": true, "unranked_reason": null, "source_kind": "feed", "record_stale": false, "source_url": "https://public.cdr-api.summerland.com.au/cds-au/v1/banking/products/74", "source_snapshot": "/au/finance/credit-cards/v1/source/summerland-bank/74.json", "snapshot_at": "2026-11-12T02:36:05Z", "bank_last_updated": "2026-11-12T02:00:41.0226439Z", "key_facts_sheet_url": "https://www.summerland.com.au/app/uploads/2023/12/credit-card-key-fact-sheet.pdf", "document_links_source": { "key_facts_sheet_url": "found by hand 2026-11-01: Key Facts Sheet" }, "correction": { "checked": "2026-11-07", "note": "11.99% on purchases, 15.99% on cash advances and up to 56 interest-free days, per the bank's Key Facts Sheet (correct as at 1 July 2026); the feed gives no purchase or cash advance rate and 55 days", "fields": [ "cash_advance_rate_pct", "interest_free_days", "purchase_rate_pct" ], "quotes": { "rate": { "text": "Interest on purchase 11.99%pa 18.99%pa", "url": "https://www.summerland.com.au/app/uploads/2023/12/credit-card-key-fact-sheet.pdf", "citation": { "quote": "Interest on purchase 11.99%pa 18.99%pa", "url": "https://www.summerland.com.au/app/uploads/2023/12/credit-card-key-fact-sheet.pdf#page=1", "page": 1, "document_sha256": "22129d6de721b9cc2b6928f2a0ea923783efd28c0518f699448ad9504e93f56d", "confirmed": "2026-11-12" } }, "cash": { "text": "Interest on cash advances 15.99%pa", "url": "https://www.summerland.com.au/app/uploads/2023/12/credit-card-key-fact-sheet.pdf", "citation": { "quote": "Interest on cash advances 15.99%pa", "url": "https://www.summerland.com.au/app/uploads/2023/12/credit-card-key-fact-sheet.pdf#page=1", "page": 1, "document_sha256": "22129d6de721b9cc2b6928f2a0ea923783efd28c0518f699448ad9504e93f56d", "confirmed": "2026-11-12" } }, "interest_free": { "text": "Up to 56 days on purchase only", "url": "https://www.summerland.com.au/app/uploads/2023/12/credit-card-key-fact-sheet.pdf", "citation": { "quote": "Up to 56 days on purchase only", "url": "https://www.summerland.com.au/app/uploads/2023/12/credit-card-key-fact-sheet.pdf#page=1", "page": 1, "document_sha256": "22129d6de721b9cc2b6928f2a0ea923783efd28c0518f699448ad9504e93f56d", "confirmed": "2026-11-12" } } }, "verified": { "rate": "found", "cash": "found", "interest_free": "found" } }, "from_issuer_page": [ { "source": "correction", "fields": [ "purchase_rate_pct", "cash_advance_rate_pct", "interest_free_days" ], "confirmed": "2026-11-12", "url": "https://www.summerland.com.au/app/uploads/2023/12/credit-card-key-fact-sheet.pdf#page=1", "quote": "Interest on purchase 11.99%pa 18.99%pa" } ], "rate_pct": 11.99, "rankings": [ { "segment": "personal", "kind": "low_rate", "rank": 20, "of": 52, "hidden_by_default": null } ] }, { "brand": "Summerland Bank", "brand_label": "Summerland Bank", "brand_slug": "summerland-bank", "legal_entity_abn": "21087650360", "product_id": "75", "product_name": "Rewards Credit Card", "product_label": "Rewards Credit Card", "product_slug": "rewards-credit-card", "page": "/au/finance/credit-cards/cards/summerland-bank/rewards-credit-card/", "product_url": "https://summerland.com.au/my-banking/credit-cards/", "terms_url": "https://www.summerland.com.au/detailed-credit-card-product-guide", "fees_url": "https://www.summerland.com.au/fees-charges-transaction-limits", "eligibility_url": null, "card_type": "credit", "scheme": "visa", "tier": null, "segments": [ "personal" ], "segment": "personal", "purchase_rate_pct": 18.99, "purchase_rate_is_base": null, "no_interest_card": null, "purchase_rate_range_pct": null, "cash_advance_rate_pct": 20.49, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 56, "annual_fee": 79.0, "fee_period": "annual", "fee_as_stated": 79.0, "annual_fee_stated": true, "annual_fee_note": null, "fee_name": "Rewards Annual Fee", "first_year_fee_waived": false, "fee_waived_for_group": null, "foreign_transaction_fee_pct": null, "foreign_transaction_fee": null, "cash_advance_fee_pct": null, "cash_advance_fee": null, "late_payment_fee": null, "additional_cardholder_fee": null, "bt_promo_rate_pct": 0.0, "bt_promo_months": 12, "bt_fee_pct": null, "bt_revert_rate_pct": null, "bt_revert_to": null, "rewards_program": "Summerland Credit Card Rewards Program", "rewards_programs": [ "Summerland Credit Card Rewards Program" ], "rewards_program_fee": null, "bonus_offer": null, "cashback_offer": null, "digital_wallets": [ "Apple Pay", "Google Pay" ], "instalment_plan": false, "additional_cards": null, "additional_cards_offered": true, "min_credit_limit": null, "max_credit_limit": null, "min_income": null, "min_age": null, "restrictions": [], "who_can_open": { "restricted": false, "groups": [], "open_note": null }, "conditions": [ "corrected from the bank's own page: 18.99% on purchases, 20.49% on cash advances and up to 56 interest-free days, per the bank's Key Facts Sheet (correct as at 1 July 2026); the feed gives no purchase or cash advance rate and 55 days", "0.00% on balance transfers for 12 months", "no late payment fee", "up to 56 days interest-free on purchases, including while a balance transfer is outstanding", "minimum balance transfer $1,000, only from Australian-issued non-Summerland cards", "$3.50 fee for each Visa cash advance or ATM withdrawal, including overseas", "$79 annual fee waived in the first year", "0% for 12 months on transfers requested with a new card application, then the purchase rate; no transfer fee; minimum $1,000 from non-Summerland Australian cards", "1 point per $2 spent, paid monthly as cash at $10 per 1,000 points", "capped at 100,000 points in each 12-month period", "purchase rate 18.99%, cash advance rate 20.49% (the feed gives no rates)" ], "ranked": true, "unranked_reason": null, "source_kind": "feed", "record_stale": false, "source_url": "https://public.cdr-api.summerland.com.au/cds-au/v1/banking/products/75", "source_snapshot": "/au/finance/credit-cards/v1/source/summerland-bank/75.json", "snapshot_at": "2026-11-12T02:36:05Z", "bank_last_updated": "2026-11-12T02:00:41.0226439Z", "key_facts_sheet_url": "https://www.summerland.com.au/app/uploads/2023/12/credit-card-key-fact-sheet.pdf", "document_links_source": { "key_facts_sheet_url": "found by hand 2026-11-01: Key Facts Sheet" }, "correction": { "checked": "2026-11-07", "note": "18.99% on purchases, 20.49% on cash advances and up to 56 interest-free days, per the bank's Key Facts Sheet (correct as at 1 July 2026); the feed gives no purchase or cash advance rate and 55 days", "fields": [ "cash_advance_rate_pct", "interest_free_days", "purchase_rate_pct" ], "quotes": { "rate": { "text": "Interest on purchase 11.99%pa 18.99%pa", "url": "https://www.summerland.com.au/app/uploads/2023/12/credit-card-key-fact-sheet.pdf", "citation": { "quote": "Interest on purchase 11.99%pa 18.99%pa", "url": "https://www.summerland.com.au/app/uploads/2023/12/credit-card-key-fact-sheet.pdf#page=1", "page": 1, "document_sha256": "22129d6de721b9cc2b6928f2a0ea923783efd28c0518f699448ad9504e93f56d", "confirmed": "2026-11-12" } }, "cash": { "text": "Interest on cash advances 15.99%pa 20.49%", "url": "https://www.summerland.com.au/app/uploads/2023/12/credit-card-key-fact-sheet.pdf", "citation": { "quote": "Interest on cash advances 15.99%pa 20.49%", "url": "https://www.summerland.com.au/app/uploads/2023/12/credit-card-key-fact-sheet.pdf#page=1", "page": 1, "document_sha256": "22129d6de721b9cc2b6928f2a0ea923783efd28c0518f699448ad9504e93f56d", "confirmed": "2026-11-12" } }, "interest_free": { "text": "Up to 56 days on purchases", "url": "https://www.summerland.com.au/app/uploads/2023/12/credit-card-key-fact-sheet.pdf", "citation": { "quote": "Up to 56 days on purchases", "url": "https://www.summerland.com.au/app/uploads/2023/12/credit-card-key-fact-sheet.pdf#page=1", "page": 1, "document_sha256": "22129d6de721b9cc2b6928f2a0ea923783efd28c0518f699448ad9504e93f56d", "confirmed": "2026-11-12" } } }, "verified": { "rate": "found", "cash": "found", "interest_free": "found" } }, "from_issuer_page": [ { "source": "correction", "fields": [ "purchase_rate_pct", "cash_advance_rate_pct", "interest_free_days" ], "confirmed": "2026-11-12", "url": "https://www.summerland.com.au/app/uploads/2023/12/credit-card-key-fact-sheet.pdf#page=1", "quote": "Interest on purchase 11.99%pa 18.99%pa" } ], "rate_pct": 18.99, "rankings": [ { "segment": "personal", "kind": "balance_transfer", "rank": 15, "of": 22, "hidden_by_default": null }, { "segment": "personal", "kind": "rewards", "rank": 5, "of": 24, "hidden_by_default": null } ] }, { "brand": "SWSbank", "brand_label": "SWS Bank", "brand_slug": "swsbank", "legal_entity_abn": "80087650673", "product_id": "S3_VC", "product_name": "Visa Credit Card", "product_label": "Visa Credit Card", "product_slug": "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/", "fees_url": "https://www.swsbank.com.au/help-support/rates-fees/fees-and-charges/", "eligibility_url": null, "card_type": "credit", "scheme": "visa", "tier": null, "segments": [ "personal", "business" ], "segment": "personal", "purchase_rate_pct": 13.45, "purchase_rate_is_base": null, "no_interest_card": null, "purchase_rate_range_pct": null, "cash_advance_rate_pct": 13.45, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 55, "annual_fee": 30.0, "fee_period": "annual", "fee_as_stated": 30.0, "annual_fee_stated": true, "annual_fee_note": null, "fee_name": "VISA_CREDIT_CARD_ANNUAL_FEE", "first_year_fee_waived": false, "fee_waived_for_group": null, "foreign_transaction_fee_pct": null, "foreign_transaction_fee": null, "cash_advance_fee_pct": null, "cash_advance_fee": null, "late_payment_fee": null, "additional_cardholder_fee": null, "bt_promo_rate_pct": null, "bt_promo_months": null, "bt_fee_pct": null, "bt_revert_rate_pct": null, "bt_revert_to": null, "rewards_program": null, "rewards_programs": [], "rewards_program_fee": null, "bonus_offer": null, "cashback_offer": null, "digital_wallets": [ "Apple Pay", "Google Pay", "Samsung Pay" ], "instalment_plan": false, "additional_cards": null, "additional_cards_offered": null, "min_credit_limit": 500.0, "max_credit_limit": 20000.0, "min_income": null, "min_age": 18, "restrictions": [], "who_can_open": { "restricted": false, "groups": [], "open_note": 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" ], "ranked": true, "unranked_reason": null, "source_kind": "feed", "record_stale": false, "source_url": "https://online.swsbank.com.au/openbanking/cds-au/v1/banking/products/S3_VC", "source_snapshot": "/au/finance/credit-cards/v1/source/swsbank/S3_VC.json", "snapshot_at": "2026-11-12T02:36:05Z", "bank_last_updated": "2025-09-15T11:05:37.000+10:00", "document_links_source": { "terms_url": "found by hand 2026-11-01: terms and conditions", "key_facts_sheet_url": "found by hand 2026-11-01: Key Facts Sheet" }, "key_facts_sheet_url": "https://swsbank.com.au/reusable-documents/tc/key-facts-credit-card/", "correction": { "checked": "2026-10-30", "note": "13.45% on purchases, a $30 annual fee and up to 55 days interest-free", "fields": [ "interest_free_days" ], "quotes": { "interest_free": { "text": "Up to 55 days interest free on purchases", "url": "https://www.swsbank.com.au/loans/credit-facilities/visa-classic-credit-card/", "citation": { "quote": "Up to 55 days interest free on purchases", "url": "https://www.swsbank.com.au/loans/credit-facilities/visa-classic-credit-card/#:~:text=Up%20to%2055%20days%20interest%20free%20on%20purchases", "document_sha256": "da5699a0bb08651c5dff611d7d4300f6335942d732a5d382e83a09b07baa943d", "confirmed": "2026-11-12" } } }, "verified": { "interest_free": "found" } }, "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" } ], "rate_pct": 13.45, "rankings": [ { "segment": "personal", "kind": "low_rate", "rank": 33, "of": 52, "hidden_by_default": null }, { "segment": "business", "kind": "low_rate", "rank": 7, "of": 13, "hidden_by_default": null } ] }, { "brand": "Teachers Mutual Bank", "brand_label": "Teachers Mutual Bank", "brand_slug": "teachers-mutual-bank", "legal_entity_abn": "30087650459", "product_id": "5aee7d43-7685-43c7-849b-d1cdba21c895", "product_name": "Credit Card", "product_label": "Credit Card", "product_slug": "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", "fees_url": "https://www.tmbank.com.au/content/dam/documents/collateral/fees-and-charges.pdf", "eligibility_url": "https://www.tmbank.com.au/banking/credit-card", "card_type": "credit", "scheme": "visa", "tier": null, "segments": [ "personal" ], "segment": "personal", "purchase_rate_pct": 11.5, "purchase_rate_is_base": null, "no_interest_card": null, "purchase_rate_range_pct": null, "cash_advance_rate_pct": 11.5, "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", "fee_name": null, "first_year_fee_waived": false, "fee_waived_for_group": null, "foreign_transaction_fee_pct": 2.9, "foreign_transaction_fee": null, "cash_advance_fee_pct": null, "cash_advance_fee": 4.0, "late_payment_fee": 10.0, "additional_cardholder_fee": null, "bt_promo_rate_pct": 7.9, "bt_promo_months": 6, "bt_fee_pct": null, "bt_revert_rate_pct": 11.5, "bt_revert_to": "balance_transfer", "rewards_program": null, "rewards_programs": [], "rewards_program_fee": null, "bonus_offer": null, "cashback_offer": null, "digital_wallets": [ "Apple Pay", "Google Pay", "Samsung Pay" ], "instalment_plan": false, "additional_cards": null, "additional_cards_offered": true, "min_credit_limit": 1000.0, "max_credit_limit": 25000.0, "min_income": null, "min_age": 18, "restrictions": [ "occupation_membership" ], "who_can_open": { "restricted": true, "groups": [ { "kind": "occupation", "who": "current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of the Bank", "level": "bank", "quote": "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 the Bank.", "source": "feed: eligibility OTHER" } ], "open_note": 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…", "up to 55 interest-free days on purchases and on balance transfers", "$0 annual fee" ], "ranked": true, "unranked_reason": null, "source_kind": "feed", "record_stale": false, "source_url": "https://ob.tmbl.com.au/tmbank/cds-au/v1/banking/products/5aee7d43-7685-43c7-849b-d1cdba21c895", "source_snapshot": "/au/finance/credit-cards/v1/source/teachers-mutual-bank/5aee7d43-7685-43c7-849b-d1cdba21c895.json", "snapshot_at": "2026-11-12T02:36:05Z", "bank_last_updated": "2026-09-09T15:13:03.000+10:00", "document_links_source": { "terms_url": "found by hand 2026-11-01: terms and conditions", "key_facts_sheet_url": "found by hand 2026-11-01: Key Facts Sheet" }, "key_facts_sheet_url": "https://www.tmbank.com.au/content/dam/documents/factsheets/cc-fact-sheet-tmb.pdf", "from_issuer_page": null, "rate_pct": 11.5, "rankings": [ { "segment": "personal", "kind": "low_rate", "rank": 21, "of": 62, "hidden_by_default": true }, { "segment": "personal", "kind": "balance_transfer", "rank": 27, "of": 29, "hidden_by_default": true } ] }, { "brand": "Maitland Mutual Limited", "brand_label": "The Mutual Bank", "brand_slug": "maitland-mutual-limited", "legal_entity_abn": "94087651983", "product_id": "Mutual_Visa_Credit_Card", "product_name": "Mutual Visa Credit Card", "product_label": "Mutual Visa Credit Card", "product_slug": "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/", "fees_url": "https://www.themutual.com.au/help-support/important-documents/", "eligibility_url": "https://www.themutual.com.au/everyday-banking/personal-finance/mutual-visa-credit-card/", "card_type": "credit", "scheme": "visa", "tier": null, "segments": [ "personal" ], "segment": "personal", "purchase_rate_pct": 12.49, "purchase_rate_is_base": null, "no_interest_card": null, "purchase_rate_range_pct": null, "cash_advance_rate_pct": 12.49, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 55, "annual_fee": 49.0, "fee_period": "annual", "fee_as_stated": 49.0, "annual_fee_stated": true, "annual_fee_note": null, "fee_name": "ANNUAL_FEE", "first_year_fee_waived": false, "fee_waived_for_group": null, "foreign_transaction_fee_pct": 3.0, "foreign_transaction_fee": null, "cash_advance_fee_pct": null, "cash_advance_fee": null, "late_payment_fee": null, "additional_cardholder_fee": null, "bt_promo_rate_pct": null, "bt_promo_months": null, "bt_fee_pct": null, "bt_revert_rate_pct": null, "bt_revert_to": null, "rewards_program": null, "rewards_programs": [], "rewards_program_fee": null, "bonus_offer": null, "cashback_offer": null, "digital_wallets": [ "Apple Pay", "Google Pay" ], "instalment_plan": false, "additional_cards": 1, 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"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", "fees_url": "https://www.westpac.com.au/credit-cards/low-fee", "eligibility_url": "https://www.westpac.com.au/credit-cards/low-fee", "card_type": "credit", "scheme": "mastercard", "tier": null, "segments": [ "personal" ], "segment": "personal", "purchase_rate_pct": 20.99, "purchase_rate_is_base": null, "no_interest_card": null, "purchase_rate_range_pct": null, "cash_advance_rate_pct": 21.99, "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, "fee_name": "Annual Card Fee", "first_year_fee_waived": true, "fee_waived_for_group": null, "foreign_transaction_fee_pct": 3.0, "foreign_transaction_fee": null, "cash_advance_fee_pct": 3.5, "cash_advance_fee": null, "late_payment_fee": 20.0, "additional_cardholder_fee": null, "bt_promo_rate_pct": null, "bt_promo_months": null, "bt_fee_pct": null, "bt_revert_rate_pct": null, "bt_revert_to": null, "rewards_program": null, "rewards_programs": [], "rewards_program_fee": null, "bonus_offer": null, "cashback_offer": 240.0, "digital_wallets": [ "Garmin Pay", "Apple Pay", "Google Pay", "Samsung Pay" ], "instalment_plan": true, "additional_cards": null, "additional_cards_offered": null, "min_credit_limit": 500.0, "max_credit_limit": 50000.0, "min_income": 30000.0, "min_age": 18, "restrictions": [], "who_can_open": { "restricted": false, "groups": [], "open_note": 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", "$0 card fee in the first year, and in later years with $5,000+ spend on purchases; otherwise $30", "from 30 November 2026: purchase rate 20.99% to 23.99%, cash advance rate 21.99% to 24.24%, minimum payment 2.5% or $25", "cards approved from 30 November 2026: $45 a year after the free first year, with no spend waiver", "$45 annual card fee after the first year from 30 November 2026" ], "ranked": true, "unranked_reason": null, "source_kind": "feed", "record_stale": false, "source_url": "https://digital-api.westpac.com.au/cds-au/v1/banking/products/CCLowFee", "source_snapshot": "/au/finance/credit-cards/v1/source/westpac/CCLowFee.json", "snapshot_at": "2026-11-12T02:36:07Z", "bank_last_updated": "2026-10-29T02:41:55Z", "key_facts_sheet_url": "https://www.westpac.com.au/credit-cards/credit-cards-fact-sheet", "document_links_source": { "key_facts_sheet_url": "found by hand 2026-11-01: Key Facts Sheet" }, "from_issuer_page": null, "rate_pct": 20.99, "rankings": [] }, { "brand": "Westpac", "brand_label": "Westpac", "brand_slug": "westpac", "legal_entity_abn": "33007457141", "product_id": "CCLowRate", "product_name": "Low Rate Card", "product_label": "Low Rate Card", "product_slug": "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", "fees_url": "https://www.westpac.com.au/credit-cards/low-rate-cards/low-rate", "eligibility_url": "https://www.westpac.com.au/credit-cards/low-rate-cards/low-rate", "card_type": "credit", "scheme": "mastercard", "tier": null, "segments": [ "personal" ], "segment": "personal", "purchase_rate_pct": 13.74, "purchase_rate_is_base": null, "no_interest_card": null, "purchase_rate_range_pct": null, "cash_advance_rate_pct": 21.99, "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, "fee_name": "Monthly Card Fee", "first_year_fee_waived": false, "fee_waived_for_group": null, "foreign_transaction_fee_pct": 3.0, "foreign_transaction_fee": null, "cash_advance_fee_pct": 3.5, "cash_advance_fee": null, "late_payment_fee": 20.0, "additional_cardholder_fee": null, "bt_promo_rate_pct": 0.0, "bt_promo_months": 20, "bt_fee_pct": 3.0, "bt_revert_rate_pct": 21.99, "bt_revert_to": "cash_advance", "rewards_program": null, "rewards_programs": [], "rewards_program_fee": null, "bonus_offer": null, "cashback_offer": 450.0, "digital_wallets": [ "Garmin Pay", "Apple Pay", "Google Pay", "Samsung Pay" ], "instalment_plan": true, "additional_cards": 1, "additional_cards_offered": true, "min_credit_limit": 500.0, "max_credit_limit": 50000.0, "min_income": 30000.0, "min_age": 18, "restrictions": [], "who_can_open": { "restricted": false, "groups": [], "open_note": 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.", "offers for new cards only; not if you held any Westpac credit card in the last 24 months", "card fee waived in the first year with the new-card cashback offer", "$450 cashback: $75 for each month with $1,000+ spend in the first 6 months", "from 30 November 2026: purchase rate 13.74% to 14.99%, cash advance rate 21.99% to 24.24%, minimum payment 2.5% or $25" ], "ranked": true, "unranked_reason": null, "source_kind": "feed", "record_stale": false, "source_url": "https://digital-api.westpac.com.au/cds-au/v1/banking/products/CCLowRate", "source_snapshot": "/au/finance/credit-cards/v1/source/westpac/CCLowRate.json", "snapshot_at": "2026-11-12T02:36:07Z", "bank_last_updated": "2026-10-29T02:41:54Z", "key_facts_sheet_url": "https://www.westpac.com.au/credit-cards/credit-cards-fact-sheet", "document_links_source": { "key_facts_sheet_url": "found by hand 2026-11-01: Key Facts Sheet" }, "from_issuer_page": null, "rate_pct": 13.74, "rankings": [ { "segment": "personal", "kind": "balance_transfer", "rank": 8, "of": 22, "hidden_by_default": null } ] }, { "brand": "Credit Corp Financial Services Pty Limited trading as WizitMoney", "brand_label": "Wizit", "brand_slug": "wizit", "legal_entity_abn": "39146525706", "product_id": "wizitcard", "product_name": "Wizitcard", "product_label": "Wizitcard", "product_slug": "wizitcard", "page": "/au/finance/credit-cards/cards/wizit/wizitcard/", "product_url": "https://wizit.money/wizitcard", "terms_url": null, "fees_url": "https://wizit.money/wizitcard", "eligibility_url": null, "card_type": "credit", "scheme": "mastercard", "tier": null, "segments": [ "personal" ], "segment": "personal", "purchase_rate_pct": 0.0, "purchase_rate_is_base": null, "no_interest_card": true, "purchase_rate_range_pct": null, "cash_advance_rate_pct": null, "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", "fee_name": "Monthly fee", "first_year_fee_waived": false, "interest_free_balance_threshold": null, "fee_waived_for_group": null, "foreign_transaction_fee_pct": 3, "foreign_transaction_fee": null, "cash_advance_fee_pct": null, "cash_advance_fee": null, "late_payment_fee": null, "additional_cardholder_fee": null, "bt_promo_rate_pct": null, "bt_promo_months": null, "bt_fee_pct": null, "bt_revert_rate_pct": null, "bt_revert_to": null, "form": "virtual_card", "rewards_program": null, "rewards_programs": [], "rewards_program_fee": null, "bonus_offer": null, "cashback_offer": null, "digital_wallets": [], "instalment_plan": false, "additional_cards": null, "additional_cards_offered": null, "min_credit_limit": 500, "max_credit_limit": 5000, "min_income": null, "min_age": null, "restrictions": [], "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", "A digital-first Mastercard added to Apple or Google Wallet; no physical card is needed to shop.", "The $19 monthly fee is not charged in a statement period in which the account had a zero balance and the card was not used; annual_fee is twelve months of it.", "The late payment fee is $1 for each day the account is overdue, capped at $100 in a rolling 12 months, after a grace period; it is not a single amount.", "not for applicants whose income is more than half pension, carer or jobseeker payments", "late fee $1 a day overdue after a 14-day grace period, capped at $100 a year; $0.55 dishonour fee" ], "ranked": true, "unranked_reason": null, "source_kind": "document", "record_stale": false, "source_url": "https://wizit.money/wizitcard", "source_snapshot": null, "snapshot_at": null, "bank_last_updated": "2026-11-12T02:35:39+00:00", "key_facts_sheet_url": "https://wizit.money/terms-and-conditions/wizitcard-key-facts-sheet", "document_date": "2026-09-14", "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." } ], "rate_pct": 0.0, "rankings": [ { "segment": "personal", "kind": "low_rate", "rank": 2, "of": 52, "hidden_by_default": null } ] }, { "brand": "Woolworths Team Bank", "brand_label": "Woolworths Team Bank", "brand_slug": "woolworths-team-bank", "legal_entity_abn": "67087651803", "product_id": "S90", "product_name": "Visa Credit Card", "product_label": "Visa Credit Card", "product_slug": "visa-credit-card", "page": "/au/finance/credit-cards/cards/woolworths-team-bank/visa-credit-card/", "product_url": "https://woolworthsteambank.com.au", "terms_url": "https://woolworthsteambank.com.au", "fees_url": "https://woolworthsteambank.com.au/wp-content/uploads/2026/09/PDS_Fees_Charges_Transaction_Limits_2026_08.pdf", "eligibility_url": "https://woolworthsteambank.com.au", "card_type": "credit", "scheme": "visa", "tier": null, "segments": [ "personal" ], "segment": "personal", "purchase_rate_pct": 13.45, "purchase_rate_is_base": null, "no_interest_card": null, "purchase_rate_range_pct": null, "cash_advance_rate_pct": 13.45, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 55, "annual_fee": 24, "fee_period": "monthly", "fee_as_stated": 2, "annual_fee_stated": true, "annual_fee_note": null, "fee_name": null, "first_year_fee_waived": false, "fee_waived_for_group": null, "foreign_transaction_fee_pct": null, "foreign_transaction_fee": null, "cash_advance_fee_pct": null, "cash_advance_fee": null, "late_payment_fee": null, "additional_cardholder_fee": null, "bt_promo_rate_pct": null, "bt_promo_months": null, "bt_fee_pct": null, "bt_revert_rate_pct": null, "bt_revert_to": null, "rewards_program": null, "rewards_programs": [], "rewards_program_fee": null, "bonus_offer": null, "cashback_offer": null, "digital_wallets": [], "instalment_plan": false, "additional_cards": null, "additional_cards_offered": null, "min_credit_limit": 2000, "max_credit_limit": null, "min_income": null, "min_age": 18, "restrictions": [ "occupation_membership" ], "who_can_open": { "restricted": true, "groups": [ { "kind": "occupation", "who": "Membership limited to Woolworths Group and Endeavour Group team members and their families (the bank's membership form)", "level": "bank", "quote": "I'm a Woolworths Group or Endeavour Group team member", "source": "https://woolworthsteambank.snapforms.com.au/form/membership-form", "citation": { "quote": "I'm a Woolworths Group or Endeavour Group team member", "url": "https://woolworthsteambank.snapforms.com.au/form/membership-form#:~:text=I%27m%20a%20Woolworths%20Group%20or%20Endeavour%20Group%20team%20member", "document_sha256": "a966961aa842df59b15254dd67fda2f7132fb1ea77272f8fc772fb3c16a9db75", "confirmed": "2026-11-12" } } ], "open_note": null }, "conditions": [ "corrected from the bank's own page: a $2 monthly card fee, waived for members with loans or regular deposits, up to 55 interest-free days and a $2,000 minimum limit, per the bank's card page (\"Monthly card fee $2*\"; \"*Card fee is waived for members with loans or regular deposits into their account\") and Key Facts Sheet; 13.45% is the page's rate for its 'Visa - Credit Card' (the page also lists a 9.45% Low Rate card the feed does not carry)", "Membership is open to team members of Woolworths and Endeavour Groups, their immediate family members, and those with an affinity to Woolworths Group.", "Membership limited to Woolworths Group and Endeavour Group team members and their families (the bank's membership form)", "$2 a month card fee, waived for members with loans or regular deposits", "foreign currency conversion fee 2.5% (the card page says 3%)", "cash advance fee $1.50 a transaction", "minimum credit limit $2,000", "up to 55 interest-free days on purchases only" ], "ranked": true, "unranked_reason": null, "source_kind": "feed", "record_stale": false, "source_url": "https://online.woolworthsteambank.com.au/OpenBanking/cds-au/v1/banking/products/S90", "source_snapshot": "/au/finance/credit-cards/v1/source/woolworths-team-bank/S90.json", "snapshot_at": "2026-11-12T02:36:08Z", "bank_last_updated": "2025-08-26T11:59:05.000+10:00", "document_links_source": { "fees_url": "found by hand 2026-11-01: fees and charges", "key_facts_sheet_url": "found by hand 2026-11-01: Key Facts Sheet" }, "key_facts_sheet_url": "https://woolworthsteambank.com.au/wp-content/uploads/2025/07/Credit%20Card%20Key%20Facts%202025.07.pdf", "correction": { "checked": "2026-11-01", "note": "a $2 monthly card fee, waived for members with loans or regular deposits, up to 55 interest-free days and a $2,000 minimum limit, per the bank's card page (\"Monthly card fee $2*\"; \"*Card fee is waived for members with loans or regular deposits into their account\") and Key Facts Sheet; 13.45% is the page's rate for its 'Visa - Credit Card' (the page also lists a 9.45% Low Rate card the feed does not carry)", "fields": [ "annual_fee", "annual_fee_stated", "fee_as_stated", "fee_period", "interest_free_days", "min_credit_limit" ], "quotes": { "annual_fee": { "text": "Monthly card fee $2*", "url": "https://woolworthsteambank.com.au/credit-cards/", "citation": { "quote": "Monthly card fee $2*", "url": "https://woolworthsteambank.com.au/credit-cards/#:~:text=Monthly%20card%20fee%20%242%2A", "document_sha256": "3493b7e1c8202322c90a564e161b1eb13820f434f317e9bb2fca117f3cadb7e6", "confirmed": "2026-11-12" } }, "waiver": { "text": "*Card fee is waived for members with loans or regular deposits into their account", "url": "https://woolworthsteambank.com.au/credit-cards/", "citation": { "quote": "*Card fee is waived for members with loans or regular deposits into their account", "url": "https://woolworthsteambank.com.au/credit-cards/#:~:text=%2ACard%20fee%20is%20waived%20for,regular%20deposits%20into%20their%20account", "document_sha256": "3493b7e1c8202322c90a564e161b1eb13820f434f317e9bb2fca117f3cadb7e6", "confirmed": "2026-11-12" } }, "interest_free": { "text": "Interest free days Up to 55 days", "url": "https://woolworthsteambank.com.au/credit-cards/", "citation": { "quote": "Interest free days Up to 55 days", "url": "https://woolworthsteambank.com.au/credit-cards/#:~:text=Interest%20free%20days%20Up%20to%2055%20days", "document_sha256": "3493b7e1c8202322c90a564e161b1eb13820f434f317e9bb2fca117f3cadb7e6", "confirmed": "2026-11-12" } }, "credit_limit": { "text": "Minimum credit limit $2,000.00", "url": "https://woolworthsteambank.com.au/wp-content/uploads/2025/07/Credit%20Card%20Key%20Facts%202025.07.pdf", "citation": { "quote": "Minimum credit limit $2,000.00", "url": "https://woolworthsteambank.com.au/wp-content/uploads/2025/07/Credit%20Card%20Key%20Facts%202025.07.pdf#page=1", "page": 1, "document_sha256": "b986e3b9860e7fb0d1130880b306d70b8e63c84806be7eff8f19a898ec3eddc8", "confirmed": "2026-11-12" } } }, "verified": { "annual_fee": "found", "waiver": "found", "interest_free": "found", "credit_limit": "found" } }, "from_issuer_page": [ { "source": "correction", "fields": [ "annual_fee", "interest_free_days", "min_credit_limit" ], "confirmed": "2026-11-12", "url": "https://woolworthsteambank.com.au/credit-cards/#:~:text=Monthly%20card%20fee%20%242%2A", "quote": "Monthly card fee $2*" }, { "source": "watched_term", "fields": [ "restrictions" ], "confirmed": "2026-11-12", "url": "https://woolworthsteambank.snapforms.com.au/form/membership-form#:~:text=I%27m%20a%20Woolworths%20Group%20or%20Endeavour%20Group%20team%20member", "quote": "I'm a Woolworths Group or Endeavour Group team member" } ], "rate_pct": 13.45, "rankings": [ { "segment": "personal", "kind": "low_rate", "rank": 42, "of": 62, "hidden_by_default": true } ] }, { "brand": "ZipMoney Payments Pty Ltd", "brand_label": "Zip", "brand_slug": "zip", "legal_entity_abn": "58164440993", "product_id": "zip-plus", "product_name": "Zip Plus", "product_label": "Zip Plus", "product_slug": "zip-plus", "page": "/au/finance/credit-cards/cards/zip/zip-plus/", "product_url": "https://zip.co/au/zip-plus", "terms_url": null, "fees_url": "https://zip.co/au/zip-plus", "eligibility_url": null, "card_type": "credit", "scheme": "visa", "tier": null, "segments": [ "personal" ], "segment": "personal", "purchase_rate_pct": 13.7, "purchase_rate_is_base": null, "no_interest_card": null, "purchase_rate_range_pct": null, "cash_advance_rate_pct": 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", "fee_name": "Monthly Account Fee", "first_year_fee_waived": false, "interest_free_balance_threshold": 1000, "fee_waived_for_group": null, "foreign_transaction_fee_pct": 0, "foreign_transaction_fee": null, "cash_advance_fee_pct": null, "cash_advance_fee": null, "late_payment_fee": 15, "additional_cardholder_fee": null, "bt_promo_rate_pct": null, "bt_promo_months": null, "bt_fee_pct": null, "bt_revert_rate_pct": null, "bt_revert_to": null, "form": "virtual_card", "rewards_program": null, "rewards_programs": [], "rewards_program_fee": null, "bonus_offer": null, "cashback_offer": null, "digital_wallets": [], "instalment_plan": false, "additional_cards": null, "additional_cards_offered": null, "min_credit_limit": 2000, "max_credit_limit": 20000, "min_income": null, "min_age": null, "restrictions": [], "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.", "No interest is charged in a month in which the balance owing at the end of the month is $1,000 or less; above that, interest accrues at the standard rate. There are no interest-free days in the credit card sense.", "The $9.95 monthly account fee is waived in any month with nothing owing at the end of the month; annual_fee is twelve months of it.", "Minimum monthly repayments are a fixed amount set by the credit limit ($120 a month on a $4,000 limit, the page's example).", "no foreign transaction fees", "$300 cashback for a new account approved by 11:59pm AEDT 6 December 2026 with $8,000 spend in the first 3 months", "cashback offer for new Zip customers only" ], "ranked": true, "unranked_reason": null, "source_kind": "document", "record_stale": false, "source_url": "https://zip.co/au/zip-plus", "source_snapshot": null, "snapshot_at": null, "bank_last_updated": "2026-11-12T02:35:39+00:00", "key_facts_sheet_url": null, "document_date": null, "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." } ], "rate_pct": 13.7, "rankings": [ { "segment": "personal", "kind": "low_rate", "rank": 36, "of": 52, "hidden_by_default": null } ] } ] }