{
  "snapshot_at": "2026-10-24T09:57:43Z",
  "brand": "Auswide Bank Ltd",
  "brand_slug": "auswide-bank-ltd",
  "product_id": "02ef924b-4492-49bf-b248-5571909c10c1",
  "cdr_url": "https://api.auswidebank.com.au/openbanking/cds-au/v1/banking/products/02ef924b-4492-49bf-b248-5571909c10c1",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://api.auswidebank.com.au/openbanking/cds-au/v1/banking/products/02ef924b-4492-49bf-b248-5571909c10c1'",
  "note": "Verbatim `data` object of the bank's CDR product detail response, as fetched. The live endpoint needs the x-v header shown in how_to_fetch and will not open in a browser.",
  "data": {
    "features": [
      {
        "featureType": "ADDITIONAL_CARDS"
      },
      {
        "featureType": "BALANCE_TRANSFERS"
      },
      {
        "featureType": "INTEREST_FREE",
        "additionalValue": "P55D"
      },
      {
        "featureType": "DIGITAL_BANKING"
      },
      {
        "featureType": "NPP_ENABLED"
      },
      {
        "featureType": "NPP_PAYID"
      }
    ],
    "constraints": [
      {
        "constraintType": "MIN_LIMIT",
        "additionalValue": "500.00"
      },
      {
        "constraintType": "MAX_LIMIT",
        "additionalValue": "50000.00"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "NATURAL_PERSON",
        "additionalInfo": "Available for personal use"
      },
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "18"
      }
    ],
    "fees": [
      {
        "name": "ANNUAL_FEE",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "50.00"
        },
        "currency": "AUD",
        "additionalValue": "P1Y",
        "additionalInfo": "Debited to your account on the day your credit card facility is activated and annually on anniversary",
        "additionalInfoUri": "https://auswidebank.com.au/help/resources/fees-and-charges/",
        "discounts": [
          {
            "description": "Under 25's",
            "discountType": "ELIGIBILITY_ONLY",
            "discountMethodUType": "rateBased",
            "rateBased": {
              "rateType": "FEE",
              "rate": "1.0"
            },
            "additionalInfo": "FEE WAIVED",
            "additionalInfoUri": "https://auswidebank.com.au/help/resources/fees-and-charges/"
          },
          {
            "description": "Shareholder of Auswide Bank",
            "discountType": "ELIGIBILITY_ONLY",
            "discountMethodUType": "rateBased",
            "rateBased": {
              "rateType": "FEE",
              "rate": "1.0"
            },
            "additionalInfo": "FEE WAIVED",
            "additionalInfoUri": "https://auswidebank.com.au/corporate/shareholder-information/shareholder-advantage/",
            "eligibility": [
              {
                "discountEligibilityType": "OTHER",
                "additionalInfo": "Must provide Holder Identification Number"
              }
            ]
          },
          {
            "description": "Hold an Auswide Bank Mortgage",
            "discountType": "ELIGIBILITY_ONLY",
            "discountMethodUType": "rateBased",
            "rateBased": {
              "rateType": "FEE",
              "rate": "1.0"
            },
            "additionalInfo": "FEE WAIVED",
            "additionalInfoUri": "https://auswidebank.com.au/help/resources/fees-and-charges/",
            "eligibility": [
              {
                "discountEligibilityType": "OTHER",
                "additionalInfo": "Must hold Auswide Bank mortgage"
              }
            ]
          }
        ]
      },
      {
        "name": "ATM_DIRECT_CHARGE_FEE",
        "feeType": "CASH_ADVANCE",
        "feeMethodUType": "variable",
        "variable": {},
        "currency": "AUD",
        "additionalInfo": "Direct charge fee is levied by the ATM owner. May be payable to the ATM owner when using your card to withdraw or check your balance at a non-Auswide Bank ATM network ATM.",
        "additionalInfoUri": "https://auswidebank.com.au/help/resources/fees-and-charges/"
      },
      {
        "name": "CASH_ADVANCE",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "3.50"
        },
        "currency": "AUD",
        "additionalInfo": "This fee is charged for making a cash advance, cash transfer or cash equivalent debit from your account",
        "additionalInfoUri": "https://auswidebank.com.au/help/resources/fees-and-charges/"
      },
      {
        "name": "FOREIGN_ATM_WITHDRAWAL_FEE",
        "feeType": "WITHDRAWAL",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.00"
        },
        "currency": "AUD",
        "additionalInfo": "Plus 3% Currency Conversion Fee. Payable when you use your Visa Debit Card at any oversas ATM to withdraw from your account",
        "additionalInfoUri": "https://auswidebank.com.au/help/resources/fees-and-charges/"
      },
      {
        "name": "CURRENCY_CONVERSION_FEE",
        "feeType": "TRANSACTION",
        "feeMethodUType": "rateBased",
        "rateBased": {
          "rateType": "TRANSACTION",
          "rate": "0.03"
        },
        "currency": "AUD",
        "additionalInfo": "Payable when you use your card to pay for purchases or withdraw cash at overseas retail outlets or overseas ATM",
        "additionalInfoUri": "https://auswidebank.com.au/help/resources/fees-and-charges/"
      },
      {
        "name": "EMERGENCY_CARD/EMERGENCY_CASH_DISBURSEMENT_FEE",
        "feeType": "CASH_ADVANCE",
        "feeMethodUType": "variable",
        "variable": {},
        "currency": "AUD",
        "additionalInfo": "Unascertainable - as quoted by Visa Global Customer Assistance Service.",
        "additionalInfoUri": "https://auswidebank.com.au/help/resources/fees-and-charges/"
      },
      {
        "name": "LATE_PAYMENT_FEE",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "20.00"
        },
        "currency": "AUD",
        "additionalInfo": "Payable where there is an amount overdue for payment past its due date",
        "additionalInfoUri": "https://auswidebank.com.au/help/resources/fees-and-charges/"
      },
      {
        "name": "DISHONOUR_FEE_-_DIRECT_DEBIT_AND_EXTERNAL_PAYMENT",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "15.00"
        },
        "currency": "AUD",
        "additionalInfo": "Charged per rejection. Payable when you've arranged a direct debit payment or external payment to an account at another financial institution but there are insufficient clear funds in your account",
        "additionalInfoUri": "https://auswidebank.com.au/help/resources/fees-and-charges/"
      },
      {
        "name": "RTGS_OUTWARD_PAYMENT_FEE",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "20.00"
        },
        "currency": "AUD",
        "additionalInfo": "Payable each time you request a high value, time critical payment from your account to another financial institution on a real time basis for    same day    payment",
        "additionalInfoUri": "https://auswidebank.com.au/help/resources/fees-and-charges/"
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "CASH_ADVANCE",
        "rate": "0.0974",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "repaymentType": "OTHER",
        "loanPurpose": "OTHER",
        "additionalInfoUri": "https://auswidebank.com.au/help/resources/interest-rates/"
      },
      {
        "lendingRateType": "PURCHASE",
        "rate": "0.0974",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "repaymentType": "OTHER",
        "loanPurpose": "OTHER",
        "additionalInfoUri": "https://auswidebank.com.au/help/resources/interest-rates/"
      },
      {
        "lendingRateType": "BALANCE_TRANSFER",
        "rate": "0.0",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "repaymentType": "OTHER",
        "loanPurpose": "OTHER",
        "additionalInfoUri": "https://auswidebank.com.au/help/resources/interest-rates/"
      }
    ],
    "productCategory": "CRED_AND_CHRG_CARDS",
    "productId": "02ef924b-4492-49bf-b248-5571909c10c1",
    "lastUpdated": "2026-06-24T16:11:08.000+10:00",
    "name": "LOW RATE VISA CREDIT CARD",
    "description": "A low rate credit card",
    "brand": "A-Auswide Bank",
    "brandName": "A-Auswide Bank",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://auswidebank.com.au/banking/credit-cards/low-rate-visa-credit-card/",
      "termsUri": "https://auswidebank.com.au/help/resources/terms-and-conditions/",
      "eligibilityUri": "https://auswidebank.com.au/help/resources/terms-and-conditions/",
      "feesAndPricingUri": "https://auswidebank.com.au/help/resources/fees-and-charges/"
    }
  }
}