{
  "snapshot_at": "2026-10-31T23:18:27Z",
  "brand": "Bank Australia",
  "brand_slug": "bank-australia",
  "product_id": "f23e4849-212b-4a22-beb1-a088654d73e5",
  "cdr_url": "https://public.cdr.bankaust.com.au/cds-au/v1/banking/products/f23e4849-212b-4a22-beb1-a088654d73e5",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://public.cdr.bankaust.com.au/cds-au/v1/banking/products/f23e4849-212b-4a22-beb1-a088654d73e5'",
  "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": {
      "bundleUri": "https://www.bankaust.com.au/banking/home-loans/offset-home-loan",
      "feesAndPricingUri": "https://www.bankaust.com.au/support/disclosures",
      "overviewUri": "https://www.bankaust.com.au/banking/credit-cards/platinum-rewards-credit-card",
      "termsUri": "https://www.bankaust.com.au/support/disclosures"
    },
    "brand": "Bank Australia",
    "cardArt": [
      {
        "imageUri": "https://cdn.bfldr.com/1R31Y8GR/at/8pjw5xj3k6637fhx8gw7tb/1_Platinum.png?auto=webp&format=png",
        "cardScheme": "VISA",
        "cardType": "CREDIT"
      }
    ],
    "description": "Be rewarded for your spending with Qantas Points. Great for those who pay their card in full each month and are a Qantas Frequent Flyer member.",
    "effectiveFrom": "2013-09-25T14:30:00.000Z",
    "isTailored": false,
    "lastUpdated": "2026-10-31T21:00:24.184Z",
    "name": "Platinum Visa Credit Card",
    "productCategory": "CRED_AND_CHRG_CARDS",
    "productId": "f23e4849-212b-4a22-beb1-a088654d73e5",
    "bundles": [
      {
        "additionalInfo": "Offset loans include an annual fee waiver for the Platinum Rewards Credit Card and everyday banking.",
        "additionalInfoUri": "https://www.bankaust.com.au/banking/home-loans/offset-home-loan",
        "description": "Offset Loan",
        "name": "Offset Loan",
        "productIds": [
          "194",
          "216",
          "225",
          "229",
          "238",
          "490",
          "494"
        ]
      }
    ],
    "constraints": [
      {
        "additionalInfo": "Minimum Credit Limit of $1000 is required",
        "additionalValue": "1000.00",
        "constraintType": "MIN_LIMIT"
      }
    ],
    "eligibility": [
      {
        "additionalInfo": "18+ years",
        "additionalValue": "18",
        "eligibilityType": "MIN_AGE"
      },
      {
        "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.",
        "additionalValue": "AU",
        "eligibilityType": "RESIDENCY_STATUS"
      }
    ],
    "features": [
      {
        "additionalInfo": "For greater convenience and flexibility you can share you Bank Australia credit card with 1 additional card holder provided they are at least 18 years old. The card will be in their name but you will remain responsible for the account.",
        "additionalValue": "1",
        "featureType": "ADDITIONAL_CARDS"
      },
      {
        "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": "Overseas travel insurance is provided free of charge for up to 90 days subject to full terms and conditions.",
        "additionalValue": "Complimentary Overseas Travel Insurance",
        "featureType": "COMPLEMENTARY_PRODUCT_DISCOUNTS"
      },
      {
        "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": "Up to 55 days interest free days for purchases",
        "additionalValue": "P55D",
        "featureType": "INTEREST_FREE"
      },
      {
        "additionalInfo": "Earn Qantas Frequent Flyer points on your everyday purchases. Limits, terms and conditions apply.",
        "additionalValue": "Qantas Frequent Flyer",
        "featureType": "LOYALTY_PROGRAM"
      },
      {
        "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"
      }
    ],
    "fees": [
      {
        "additionalInfo": "Applies to any cash advance made outside Australia on the Platinum Rewards Visa, $5 plus the International Transaction Fee (ITF)",
        "currency": "AUD",
        "feeMethodUType": "fixedAmount",
        "feeType": "CASH_ADVANCE",
        "fixedAmount": {
          "amount": "5.00"
        },
        "name": "Cash Advance Fee - Overseas"
      },
      {
        "additionalInfo": "A fee charged to any cash advance within Australia through all channels on the Platinum Rewards Visa Credit Card",
        "currency": "AUD",
        "feeMethodUType": "fixedAmount",
        "feeType": "CASH_ADVANCE",
        "fixedAmount": {
          "amount": "5.00"
        },
        "name": "Cash Advance Fee - Domestic"
      },
      {
        "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",
        "discounts": [
          {
            "additionalInfo": "We won't charge the fee if this criteria is met.",
            "description": "This fee is waived for holders of an Offset or Clean Energy Home Loan. Each Offset or Clean Energy Loan is entitled to a wavier for the future Annual Fee for one eligible card account in the name of the loan holder.",
            "discountMethodUType": "fixedAmount",
            "discountType": "ELIGIBILITY_ONLY",
            "eligibility": [
              {
                "additionalInfo": "This fee is waived for holders of an Offset or Clean Energy Home Loan. Each Offset or Clean Energy Loan is entitled to a wavier for the future Annual Fee for one eligible card account in the name of the loan holder.",
                "discountEligibilityType": "OTHER"
              }
            ],
            "fixedAmount": {
              "amount": "189.00"
            }
          }
        ],
        "feeMethodUType": "fixedAmount",
        "feeType": "PERIODIC",
        "fixedAmount": {
          "amount": "189.00"
        },
        "name": "Platinum Rewards Credit Card Annual Fee"
      },
      {
        "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": "A fee payable if you request that we allow someone else to have a card on your account. Paid annually.",
        "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": "0.2099",
        "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": "0.2099",
        "repaymentType": "OTHER"
      }
    ]
  }
}