{
  "snapshot_at": "2026-10-24T09:57:49Z",
  "brand": "BankVic",
  "brand_slug": "bankvic",
  "product_id": "S17_QANTAS_CREDIT_CARD",
  "cdr_url": "https://ib.bankvic.com.au/openbanking/cds-au/v1/banking/products/S17_QANTAS_CREDIT_CARD",
  "x_v": 6,
  "how_to_fetch": "curl -H 'x-v: 6' 'https://ib.bankvic.com.au/openbanking/cds-au/v1/banking/products/S17_QANTAS_CREDIT_CARD'",
  "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": "CARD_ACCESS",
        "additionalValue": "TPAV Qantas Credit Card",
        "additionalInfo": "TPAV Qantas Credit Card"
      },
      {
        "featureType": "ADDITIONAL_CARDS",
        "additionalValue": "TPAV Qantas Credit Card"
      },
      {
        "featureType": "LOYALTY_PROGRAM",
        "additionalValue": "Earn Qantas Frequent Flyer Points - Earn 1 Qantas point for every $2 you spend"
      },
      {
        "featureType": "INTEREST_FREE",
        "additionalValue": "P55D",
        "additionalInfo": "Up to 55 days interest free for your purchases (Interest Free Days are not available if you have a Balance Transfer)"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Apple Pay",
        "additionalInfo": "Add your BankVic Visa credit card to a compatible device and pay securely with Apple Pay* TM"
      },
      {
        "featureType": "NPP_PAYID"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Google Pay",
        "additionalInfo": "Add your BankVic Visa credit card to a compatible device and pay securely with Google Pay* TM"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Fitbit Pay",
        "additionalInfo": "Add your BankVic Visa credit card to a compatible device and pay securely with Fitbit Pay* TM"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Garmin Pay",
        "additionalInfo": "Add your BankVic Visa credit card to a compatible device and pay securely with Garmin Pay* TM"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": " Samsung Pay",
        "additionalInfo": "Add your BankVic Visa credit card to a compatible device and pay securely with Samsung Pay* TM"
      },
      {
        "featureType": "FRAUD_PROTECTION",
        "additionalInfo": "Our #1 BankSafe Tip: If you're not 100% sure it's us, call us.",
        "additionalInfoUri": "https://www.bankvic.com.au/get-help/avoid-scams-bank-safe/?search-term=fraud"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Minimum repayments : 2.5% of the statement closing balance outstanding, or $20; whichever is greater. If the closing balance is less than $20, it must be paid in full."
      },
      {
        "featureType": "INSURANCE",
        "additionalValue": "Complimentary International Travel Insurance**",
        "additionalInfo": "Use either your primary or additional card to charge a minimum of $500 of your pre-paid travel costs including airline tickets or your hotel accommodation prior to commencing the trip and have a return overseas travel ticket before you leave Australia",
        "additionalInfoUri": "https://www.bankvic.com.au/complimentary-travel-insurance/?search-term=vau%2520credit%2520card"
      }
    ],
    "constraints": [
      {
        "constraintType": "MIN_LIMIT",
        "additionalValue": "5000.00"
      },
      {
        "constraintType": "MAX_LIMIT",
        "additionalValue": "20000.00"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "18"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "BankVic member"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Exclusive for Police Association of Victoria members"
      }
    ],
    "fees": [
      {
        "name": "CARD_REPLACEMENT_FEE",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.00"
        },
        "currency": "AUD",
        "additionalInfo": "There is a $10 replacement fee for members ordering a replacement card except if it is a faulty card, the card has worn out prematurely or the member is going on holidays at the time of renewal."
      },
      {
        "name": "CURRENCY_CONVERSION_FEE",
        "feeType": "TRANSACTION",
        "feeMethodUType": "rateBased",
        "rateBased": {
          "rateType": "TRANSACTION",
          "rate": "0.02",
          "accrualFrequency": "D"
        },
        "currency": "AUD"
      },
      {
        "name": "DISPUTED_CARD_TRANSACTION_FEE",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "25.00"
        },
        "currency": "AUD",
        "additionalInfo": "Disputed transactions - fee not charged if found to be merchant error"
      },
      {
        "name": "TPAV_ANNUAL_CREDIT_CARD_FEE",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "currency": "AUD"
      },
      {
        "name": "LATE_PAYMENT_FEE_-_QANTAS_CREDIT_CARD",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "9.00"
        },
        "currency": "AUD"
      },
      {
        "name": "QANTAS_EMERGENCY_CASH_FEE",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "currency": "AUD"
      },
      {
        "name": "QANTAS_EMERGENCY_OVERSEAS_CARD_REPLACEMENT_FEE",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "currency": "AUD"
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "CASH_ADVANCE",
        "rate": "0.1895",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "repaymentType": "OTHER",
        "loanPurpose": "OTHER",
        "additionalInfo": "6 month introductory rate"
      },
      {
        "lendingRateType": "PURCHASE",
        "rate": "0.1895",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "repaymentType": "OTHER",
        "loanPurpose": "OTHER",
        "additionalInfo": "6 month introductory rate"
      },
      {
        "lendingRateType": "INTRODUCTORY",
        "rate": "0.0996",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "repaymentType": "OTHER",
        "loanPurpose": "OTHER",
        "additionalValue": "P6M",
        "additionalInfo": "6 month introductory rate"
      }
    ],
    "productId": "S17_QANTAS_CREDIT_CARD",
    "lastUpdated": "2026-08-13T15:52:02.000+10:00",
    "productCategory": "CRED_AND_CHRG_CARDS",
    "name": "Qantas Credit Card",
    "description": "For Police Association of Victoria, Australian Federal Police Association, Northern Territory Police Association, Victorian Ambulance Union and United Firefighters Union members",
    "brand": "BankVic",
    "brandName": "BankVic",
    "applicationUri": "https://www.bankvic.com.au/apply-for-credit",
    "isTailored": true,
    "additionalInformation": {
      "overviewUri": "https://www.bankvic.com.au/banking/?filter=Credit-Card",
      "termsUri": "https://cdn.intelligencebank.com/au/share/NZw2/RVzr/yzJw/original/BankVic+Terms+%2526+Conditions",
      "eligibilityUri": "https://www.bankvic.com.au/banking/?filter=Credit-Card",
      "feesAndPricingUri": "https://cdn.intelligencebank.com/au/share/NZw2/RVzr/dwqA/original/Fees+and+Charges"
    }
  }
}