{ "snapshot_at": "2026-11-05T03:37:27Z", "brand": "Bank Australia", "brand_slug": "bank-australia", "product_id": "a3e1054a-73da-469f-863e-0f3418967627", "cdr_url": "https://public.cdr.bankaust.com.au/cds-au/v1/banking/products/a3e1054a-73da-469f-863e-0f3418967627", "x_v": 7, "how_to_fetch": "curl -H 'x-v: 7' 'https://public.cdr.bankaust.com.au/cds-au/v1/banking/products/a3e1054a-73da-469f-863e-0f3418967627'", "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": { "additionalInformation": { "feesAndPricingUri": "https://www.bankaust.com.au/support/disclosures", "overviewUri": "https://www.bankaust.com.au/banking/credit-cards/low-rate-visa-credit-card/", "termsUri": "https://www.bankaust.com.au/support/disclosures" }, "brand": "Bank Australia", "cardArt": [ { "imageUri": "https://cdn.bfldr.com/1R31Y8GR/at/wmvt8jb3gkghqnhkxrj8fxh/1_Credit.png?auto=webp&format=png", "cardScheme": "VISA", "cardType": "CREDIT" } ], "description": "A lower interest rate to reduce your borrowing costs. Great for those who have a carryover balance each month.", "effectiveFrom": "2006-08-08T14:30:00.000Z", "isTailored": false, "lastUpdated": "2026-11-04T05:54:46.474Z", "name": "Low Rate Visa Credit Card", "productCategory": "CRED_AND_CHRG_CARDS", "productId": "a3e1054a-73da-469f-863e-0f3418967627", "constraints": [ { "additionalInfo": "Minimum Credit Limit of $1000 is required", "additionalValue": "1000.00", "constraintType": "MIN_LIMIT" } ], "eligibility": [ { "additionalValue": "18", "eligibilityType": "MIN_AGE" }, { "additionalInfo": "Natural Person or In trust for a Natural Person or Non-Individual entity", "eligibilityType": "NATURAL_PERSON" }, { "additionalInfo": "Each application for credit is subject to our normal lending criteria and approval.", "eligibilityType": "OTHER" }, { "additionalInfo": "Available to citizens or permanent resident of Australia and valid Visa holders. Make sure you are currently in receipt of a regular income.", "additionalValue": "AU", "eligibilityType": "RESIDENCY_STATUS" } ], "features": [ { "additionalInfo": "0% for 6 months. You can request to transfer the balance of another Banks's credit card to your Bank Australia Low Rate Visa Credit Card, to help you reduce interest charges.", "featureType": "BALANCE_TRANSFERS" }, { "additionalInfo": "Use instore, online and withdraw local currency at millions of locations, everywhere Visa is accepted. Cards are enabled to support diverse needs with raised bumps on the left hand-side on the front face of the card.", "additionalValue": "Visa Credit Card", "featureType": "CARD_ACCESS" }, { "additionalInfo": "You can self-serve your day-to-day banking needs via Bank Australia's App or Internet Banking.", "featureType": "DIGITAL_BANKING" }, { "additionalInfo": "Leave your wallet behind and pay for the things you need with Google Pay/ Samsung Pay/ Apple Pay.", "additionalValue": "Google, Samsung and Apple Pay available", "featureType": "DIGITAL_WALLET" }, { "additionalInfo": "Notifications can be enabled in the App or through Internet Banking, allowing you to be alerted either by email, sms or through the App about your card/account activity.", "additionalValue": "Card and Account Notifications", "featureType": "NOTIFICATIONS" }, { "additionalInfo": "Card Controls: Decide the features you want enabled on your card including card lock, digital wallet, pay wave, international transactions, ATM withdrawals or online/instore transactions and simply switch them on or off from your App or Internet Banking.", "featureType": "OTHER" }, { "additionalValue": "P6M", "featureType": "INTEREST_FREE_TRANSFERS" }, { "additionalValue": "1", "featureType": "ADDITIONAL_CARDS" } ], "fees": [ { "additionalInfo": "A fee charged to any cash advance within Australia through all channels.", "currency": "AUD", "feeMethodUType": "fixedAmount", "feeType": "CASH_ADVANCE", "fixedAmount": { "amount": "3.50" }, "name": "Cash Advance Fee - Domestic" }, { "additionalInfo": "Applies to any cash advance made outside Australia, plus the International Transaction Fee (ITF)", "feeMethodUType": "fixedAmount", "feeType": "CASH_ADVANCE", "fixedAmount": { "amount": "3.50" }, "name": "Cash Advance Fee - Overseas" }, { "additionalInfo": "A fee charged when you need an emergency replacement card or cash delivered to you on an urgent basis to an address overseas.", "currency": "USD", "feeMethodUType": "fixedAmount", "feeType": "REPLACEMENT", "fixedAmount": { "amount": "175.00" }, "name": "Visa emergency card/cash overseas fee" }, { "additionalInfo": "When you undertake an International transaction on a Bank Australia Visa Debit Card you will be charged the fee. An International transaction is any purchase, withdrawal or credit in a currency other than Australian Dollars or where the merchant or financial institution accepting the transaction is outside of Australia or where there is a currency conversion.", "currency": "AUD", "feeMethodUType": "rateBased", "feeType": "TRANSACTION", "name": "International transaction fee (ITF)", "rateBased": { "rate": "0.03", "rateType": "TRANSACTION" } }, { "additionalInfo": "An annual fee charged on your credit card.", "additionalValue": "P1Y", "currency": "AUD", "feeMethodUType": "fixedAmount", "feeType": "PERIODIC", "fixedAmount": { "amount": "0.00" }, "name": "Annual Fee - Low Rate Credit Card" }, { "additionalInfo": "You can request that we allow someone else to have a card on your account at no charge", "additionalValue": "P1Y", "currency": "AUD", "feeMethodUType": "fixedAmount", "feeType": "PERIODIC", "fixedAmount": { "amount": "0.00" }, "name": "Additional Cardholder Fee" } ], "lendingRates": [ { "additionalInfo": "Minimum monthly repayments of 2.5% or $20, whichever is greater. If the closing balance is less than $20, you must pay the full closing balance.\n", "applicationFrequency": "P1M", "applicationType": "PERIODIC", "calculationFrequency": "P1D", "interestPaymentDue": "IN_ARREARS", "lendingRateType": "CASH_ADVANCE", "loanPurpose": "OTHER", "rate": "0.1234", "repaymentType": "OTHER" }, { "additionalInfo": "Minimum monthly repayments of 2.5% or $20, whichever is greater. If the closing balance is less than $20, you must pay the full closing balance.\n", "applicationFrequency": "P1M", "applicationType": "PERIODIC", "calculationFrequency": "P1D", "interestPaymentDue": "IN_ARREARS", "lendingRateType": "PURCHASE", "loanPurpose": "OTHER", "rate": "0.1234", "repaymentType": "OTHER" }, { "additionalInfo": "0% for 6 months. You can request to transfer the balance of another Banks's credit card to your Bank Australia Low Rate Visa Credit Card, to help you reduce interest charges. At the end of the balance transfer period, the rate reverts to the purchase rate at the time.\n", "applicationFrequency": "P1M", "applicationType": "PERIODIC", "calculationFrequency": "P1D", "interestPaymentDue": "IN_ARREARS", "lendingRateType": "BALANCE_TRANSFER", "loanPurpose": "OTHER", "rate": "0", "repaymentType": "OTHER", "tiers": [ { "maximumValue": "6", "minimumValue": "1", "name": "Promotional Offer", "rateApplicationMethod": "WHOLE_BALANCE", "unitOfMeasure": "MONTH" } ] } ] } }