{
  "snapshot_at": "2026-10-24T09:57:51Z",
  "brand": "BCU Bank",
  "brand_slug": "bcu-bank",
  "product_id": "162",
  "cdr_url": "https://public.cdr-api.bcu.com.au/cds-au/v1/banking/products/162",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://public.cdr-api.bcu.com.au/cds-au/v1/banking/products/162'",
  "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": {
    "productId": "162",
    "effectiveFrom": "2020-03-29T13:30:00.0000000Z",
    "lastUpdated": "2026-07-10T14:00:53.0189421Z",
    "productCategory": "CRED_AND_CHRG_CARDS",
    "name": "Classic Credit Card",
    "description": "Our Classic Credit Card offers a competitive rate, up to 52 days interest free, and is protected by Visa's Zero Liability policy.",
    "brand": "BCU",
    "brandName": "bcu",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.bcu.com.au/cards/credit-cards/classic-credit-card/",
      "termsUri": "https://www.bcu.com.au/important-information/terms-and-conditions/credit-card-conditions-of-use/",
      "feesAndPricingUri": "https://www.bcu.com.au/help-centre/fees-and-charges/credit-card-fees-and-charges/"
    },
    "cardArt": [
      {
        "cardScheme": "VISA",
        "cardType": "CREDIT",
        "title": "Classic Credit Card",
        "imageUri": "https://digital.pnbank.com.au/globalassets/internet-banking/onboarding/products/bcu-visa-credit-classic_oct25.png"
      }
    ],
    "features": [
      {
        "featureType": "ADDITIONAL_CARDS",
        "additionalInfo": "You can apply to add an additional card holder to your account at no additional charge. Please see our website for more information.",
        "additionalInfoUri": "https://www.bcu.com.au/help-centre/credit-cards/"
      },
      {
        "featureType": "CARD_ACCESS",
        "additionalValue": "Visa Credit card available",
        "additionalInfo": "Make purchases online or in-store using your Visa Credit card, including paywave. Please visit our website for more information.",
        "additionalInfoUri": "https://www.bcu.com.au/cards/credit-cards/classic-credit-card/"
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "Transfer or make payments using our mobile app or internet banking. Payments made with PayID or using Osko are received in near real-time.",
        "additionalInfoUri": "https://www.bcu.com.au/everyday-banking/digital-banking/"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Apple Pay, Google Pay & Samsung Pay",
        "additionalInfo": "Make payments by adding your card to your digital wallet.",
        "additionalInfoUri": "https://www.bcu.com.au/cards/digital-wallets/"
      },
      {
        "featureType": "FRAUD_PROTECTION",
        "additionalInfo": "Shop safely with participating online merchants with Visa Secure and EFTPOS Secure. Please see the terms and conditions for more information.",
        "additionalInfoUri": "https://www.bcu.com.au/important-information/terms-and-conditions/credit-card-account-access-condition-of-use/"
      },
      {
        "featureType": "NPP_ENABLED",
        "additionalInfo": "Transfer or make payments using our mobile app or internet banking. Payments made with PayID or using Osko are received in near real-time.",
        "additionalInfoUri": "https://www.bcu.com.au/everyday-banking/ways-to-pay/"
      },
      {
        "featureType": "BALANCE_TRANSFERS",
        "additionalInfo": "We may at our reasonable descretion agree to a Balance Transfer request by you or a Card Contract Variation. Please refer to our Terms and Condition for additional information.",
        "additionalInfoUri": "https://www.bcu.com.au/important-information/terms-and-conditions/credit-card-conditions-of-use/"
      },
      {
        "featureType": "INTEREST_FREE",
        "additionalValue": "P52D",
        "additionalInfo": "Up to 52 days interest free when you pay off your statement balance owing by the due date each month. Terms and Conditions apply.",
        "additionalInfoUri": "https://www.bcu.com.au/important-information/terms-and-conditions/credit-card-conditions-of-use/"
      }
    ],
    "constraints": [
      {
        "constraintType": "MAX_LIMIT",
        "additionalValue": "100000.00",
        "additionalInfo": "Maximum loan amount is $100,000",
        "additionalInfoUri": "https://www.bcu.com.au/cards/credit-cards/classic-credit-card/"
      },
      {
        "constraintType": "MIN_LIMIT",
        "additionalValue": "500.00",
        "additionalInfo": "The minimum credit limit is $500",
        "additionalInfoUri": "https://www.bcu.com.au/cards/credit-cards/classic-credit-card/"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "18",
        "additionalInfoUri": "https://www.bcu.com.au/cards/credit-cards/classic-credit-card/"
      },
      {
        "eligibilityType": "NATURAL_PERSON",
        "additionalInfo": "Member must be a natural person rather than another legal entity.",
        "additionalInfoUri": "https://www.bcu.com.au/cards/credit-cards/classic-credit-card/"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Credit eligibilty criteria, terms and conditions, fees and charges apply.",
        "additionalInfoUri": "https://www.bcu.com.au/cards/credit-cards/classic-credit-card/"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "You must be or become a BCU Bank member",
        "additionalInfoUri": "https://www.bcu.com.au/cards/credit-cards/classic-credit-card/"
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "Personal Lending is not available for non-residents.",
        "additionalInfoUri": "https://www.bcu.com.au/cards/credit-cards/classic-credit-card/"
      }
    ],
    "fees": [
      {
        "name": "Credit Card Annual Fee",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "45.00"
        },
        "currency": "AUD",
        "additionalValue": "P1Y",
        "additionalInfo": "Annual fee charged at the end of the month from the account opening, then every year at the end of anniversary month.",
        "additionalInfoUri": "https://www.bcu.com.au/cards/credit-cards/classic-credit-card/"
      },
      {
        "name": "Visa Chargeback Request Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "25.00"
        },
        "currency": "AUD",
        "additionalInfo": "When a cardholder raises a dispute relating to a card transaction.",
        "additionalInfoUri": "https://www.bcu.com.au/help-centre/fees-and-charges/credit-card-fees-and-charges/"
      },
      {
        "name": "Statement Retrieval Fee",
        "feeType": "REPLACEMENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "2.50"
        },
        "currency": "AUD",
        "additionalInfo": "Fee applies for statements over 12 months old. Payable on request to issue a copy of a previously issued statement.",
        "additionalInfoUri": "https://www.bcu.com.au/help-centre/fees-and-charges/credit-card-fees-and-charges/"
      },
      {
        "name": "Declined Emergency Visa Card Fee",
        "feeType": "REPLACEMENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "70.00"
        },
        "currency": "AUD",
        "additionalInfo": "Payable if your emergency card request is declined.",
        "additionalInfoUri": "https://www.bcu.com.au/help-centre/fees-and-charges/credit-card-fees-and-charges/"
      },
      {
        "name": "Visa Foreign Currency Conversion Fee",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "currency": "AUD",
        "additionalInfo": "3% of the transaction value in AUD. When you use your Visa Credit or Debit card in a foreign currency either online or at a merchant point of sale outside or in Australia. Please refer to our website for more information.",
        "additionalInfoUri": "https://www.bcu.com.au/help-centre/fees-and-charges/credit-card-fees-and-charges/"
      },
      {
        "name": "Card Replacement - Standard Fee",
        "feeType": "REPLACEMENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.00"
        },
        "currency": "AUD",
        "additionalInfo": "For the replacement of a lost or damaged Visa Credit card.",
        "additionalInfoUri": "https://www.bcu.com.au/help-centre/fees-and-charges/credit-card-fees-and-charges/"
      },
      {
        "name": "Card Replacement - Urgent Fee",
        "feeType": "REPLACEMENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "50.00"
        },
        "currency": "AUD",
        "additionalInfo": "For the urgent replacement of a lost or damaged Visa Credit card.",
        "additionalInfoUri": "https://www.bcu.com.au/help-centre/fees-and-charges/credit-card-fees-and-charges/"
      },
      {
        "name": "Emergency Card Replacement - Approved Fee",
        "feeType": "REPLACEMENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "320.00"
        },
        "currency": "AUD",
        "additionalInfo": "For the issue of a temporary emergency Visa Credit card, to temporarily replace a lost, stolen or damaged Visa Credit card.",
        "additionalInfoUri": "https://www.bcu.com.au/help-centre/fees-and-charges/credit-card-fees-and-charges/"
      },
      {
        "name": "Late Payment Notification Fee",
        "feeType": "LATE_PAYMENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.00"
        },
        "currency": "AUD",
        "additionalValue": "11",
        "additionalInfo": "When payment to a credit card becomes overdue by 11 and 30 days.",
        "additionalInfoUri": "https://www.bcu.com.au/help-centre/fees-and-charges/credit-card-fees-and-charges/"
      },
      {
        "name": "Notice of Demand Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "75.00"
        },
        "currency": "AUD",
        "additionalInfo": "When payment to a credit card becomes overdue by 46 days.",
        "additionalInfoUri": "https://www.bcu.com.au/help-centre/fees-and-charges/credit-card-fees-and-charges/"
      },
      {
        "name": "Management Administration Fee",
        "feeType": "LATE_PAYMENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "50.00"
        },
        "currency": "AUD",
        "additionalValue": "90",
        "additionalInfo": "When payment to a credit card becomes overdue by more than 90 days.",
        "additionalInfoUri": "https://www.bcu.com.au/help-centre/fees-and-charges/credit-card-fees-and-charges/"
      },
      {
        "name": "Collection Agent Administration Fee",
        "feeType": "LATE_PAYMENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "100.00"
        },
        "currency": "AUD",
        "additionalValue": "90",
        "additionalInfo": "Payable when you are in arrears for more than 90 days and we choose to engage an external collection agent.",
        "additionalInfoUri": "https://www.bcu.com.au/help-centre/fees-and-charges/credit-card-fees-and-charges/"
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "BALANCE_TRANSFER",
        "rate": "0.1199",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "UNCONSTRAINED",
        "loanPurpose": "UNCONSTRAINED",
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "EXISTING_CUST",
            "additionalInfo": "Rate available to existing customers.",
            "additionalInfoUri": "https://www.bcu.com.au/cards/credit-cards/classic-credit-card/"
          },
          {
            "rateApplicabilityType": "NEW_ACCOUNTS",
            "additionalInfo": "Rate available for new accounts.",
            "additionalInfoUri": "https://www.bcu.com.au/cards/credit-cards/classic-credit-card/"
          },
          {
            "rateApplicabilityType": "NEW_CUSTOMER",
            "additionalInfo": "Rate available to new customers.",
            "additionalInfoUri": "https://www.bcu.com.au/cards/credit-cards/classic-credit-card/"
          }
        ],
        "additionalInfo": "We may at our reasonable descretion agree to a Balance Transfer request by you or a Card Contract Variation. Please refer to our Terms and Condition for additional information.",
        "additionalInfoUri": "https://www.bcu.com.au/important-information/terms-and-conditions/credit-card-conditions-of-use/"
      },
      {
        "lendingRateType": "CASH_ADVANCE",
        "rate": "0.148",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "UNCONSTRAINED",
        "loanPurpose": "UNCONSTRAINED",
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "EXISTING_CUST",
            "additionalInfo": "Rate available to existing customers.",
            "additionalInfoUri": "https://www.bcu.com.au/cards/credit-cards/classic-credit-card/"
          },
          {
            "rateApplicabilityType": "NEW_ACCOUNTS",
            "additionalInfo": "Rate available for new accounts.",
            "additionalInfoUri": "https://www.bcu.com.au/cards/credit-cards/classic-credit-card/"
          },
          {
            "rateApplicabilityType": "NEW_CUSTOMER",
            "additionalInfo": "Rate available to new customers.",
            "additionalInfoUri": "https://www.bcu.com.au/cards/credit-cards/classic-credit-card/"
          }
        ],
        "additionalInfo": "Rate available to existing customers.",
        "additionalInfoUri": "https://www.bcu.com.au/cards/credit-cards/classic-credit-card/"
      },
      {
        "lendingRateType": "PURCHASE",
        "rate": "0.1195",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "UNCONSTRAINED",
        "loanPurpose": "UNCONSTRAINED",
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "EXISTING_CUST",
            "additionalInfo": "Rate available to existing customers.",
            "additionalInfoUri": "https://www.bcu.com.au/cards/credit-cards/classic-credit-card/"
          },
          {
            "rateApplicabilityType": "NEW_ACCOUNTS",
            "additionalInfo": "Rate available for new accounts.",
            "additionalInfoUri": "https://www.bcu.com.au/cards/credit-cards/classic-credit-card/"
          },
          {
            "rateApplicabilityType": "NEW_CUSTOMER",
            "additionalInfo": "Rate available to new customers.",
            "additionalInfoUri": "https://www.bcu.com.au/cards/credit-cards/classic-credit-card/"
          }
        ],
        "additionalInfo": "Up to 52 days interest free on eligible purchases"
      }
    ]
  }
}