{
  "snapshot_at": "2026-10-26T23:42:05Z",
  "brand": "BOQ Specialist",
  "brand_slug": "boq-specialist",
  "product_id": "09186288-5c03-ee11-8f6e-00224814dce7",
  "cdr_url": "https://api.cds.boqspecialist.com.au/cds-au/v1/banking/products/09186288-5c03-ee11-8f6e-00224814dce7",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://api.cds.boqspecialist.com.au/cds-au/v1/banking/products/09186288-5c03-ee11-8f6e-00224814dce7'",
  "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": "09186288-5c03-ee11-8f6e-00224814dce7",
    "lastUpdated": "2026-10-26T02:59:52Z",
    "productCategory": "CRED_AND_CHRG_CARDS",
    "name": "Signature Visa Credit Card",
    "description": "At BOQ Specialist, we believe it's important to find the credit card that's right for you. Whether you are a doctor, dentist or vet, we have a credit card to match your personal and business needs. Everyone likes to be rewarded. That's why BOQ Specialist credit cards come with an exciting range of premium benefits. You'll find it's easier than expected to earn, enjoy and relax",
    "brand": "BOQS",
    "brandName": "BOQ Specialist",
    "applicationUri": "https://www.boqspecialist.com.au/personal-banking/credit-cards",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.boqspecialist.com.au/personal-banking/credit-cards",
      "termsUri": "https://www.boqspecialist.com.au/help-and-support/important-information/terms-and-conditions",
      "eligibilityUri": "https://www.boqspecialist.com.au/help-and-support/important-information/tmd",
      "feesAndPricingUri": "https://www.boqspecialist.com.au/content/dam/boq-specialist/files/products/credit-cards/terms-and-conditions/CREDIT-CARD-KEY-FACTS-SHEET.pdf"
    },
    "cardArt": [
      {
        "title": "BOQS Signature Visa Credit Card Art",
        "imageUri": "https://bankofqueensland.sharepoint.com/sites/OpenBanking508-Operationalsupport/Shared%20Documents/Operational%20support/Customer%20Templates%20&%20Notices/BOQS_512px.png",
        "cardScheme": "VISA",
        "cardType": "CREDIT"
      }
    ],
    "features": [
      {
        "featureType": "ADDITIONAL_CARDS",
        "additionalValue": "9",
        "additionalInfo": "Split statements - need separate credit cards for business and personal purposes? No problem. We can offer multiple credit cards under one account and split your statements up to simplify life",
        "additionalInfoUri": "https://www.boqspecialist.com.au/personal-banking/credit-cards"
      },
      {
        "featureType": "LOYALTY_PROGRAM",
        "additionalValue": "Frequent Flyer Rewards",
        "additionalInfo": "1 Qantas Point or 1 Velocity Frequent Flyer Point for every $1 spent on eligible purchases in Australia up to $7,500 and 0.5 Points for every $1 spent above $7,500 up to a capped amount of $30,000 each statement period. 1 Qantas Point or 1 Velocity Frequent Flyer Point for every $1 spent on eligible international purchases each statement period. 1 additional Qantas Point per $1 spent on selected Qantas products and services in Australia",
        "additionalInfoUri": "https://www.boqspecialist.com.au/personal-banking/credit-cards"
      },
      {
        "featureType": "LOYALTY_PROGRAM",
        "additionalValue": "Choice of rewards program",
        "additionalInfo": "Velocity Frequent Flyer points on your everyday purchases",
        "additionalInfoUri": "https://www.boqspecialist.com.au/personal-banking/credit-cards"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Visa Concierge Service - get a helping hand with travel recommendations and local event tickets Visa Front Line Access - reserve tickets to some of the best shows, concerts and sporting events. Visa Entertainment - get the hottest entertainment offers including pre-sale tickets and member promotions",
        "additionalInfoUri": "https://www.boqspecialist.com.au/personal-banking/credit-cards"
      },
      {
        "featureType": "LOYALTY_PROGRAM",
        "additionalValue": "Choice of rewards program",
        "additionalInfo": "Earn Qantas rewards points on your everyday purchases",
        "additionalInfoUri": "https://www.boqspecialist.com.au/personal-banking/credit-cards"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Priority Pass airport lounge access, the primary cardholder is entitled to four complimentary visits to Priority Pass lounges and may bring one guest per visit free of charge per calendar year",
        "additionalInfoUri": "https://www.boqspecialist.com.au/personal-banking/credit-cards"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Client Service Centre - available 24 hours a day, 7 days a week",
        "additionalInfoUri": "https://www.boqspecialist.com.au/personal-banking/credit-cards"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Exclusive benefits for Signature cardholders - Priority Pass airport lounges and Visa Luxury Hotel Collection",
        "additionalInfoUri": "https://www.boqspecialist.com.au/personal-banking/credit-cards"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Google Pay",
        "additionalInfo": "Easy, fast and secure payments with Google Pay",
        "additionalInfoUri": "https://www.boqspecialist.com.au/personal-banking/credit-cards/google-pay"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Redeem your rewards points for travel, entertainment or merchandise to suit your preference",
        "additionalInfoUri": "https://www.boqspecialist.com.au/personal-banking/credit-cards"
      },
      {
        "featureType": "INSURANCE",
        "additionalValue": "Travel insurance and retail item cover",
        "additionalInfo": "Insurance cover, including domestic and international travel insurance for you, your spouse and legally dependant children, purchase security and extended warranty with your BOQ Specialist credit card",
        "additionalInfoUri": "https://www.boqspecialist.com.au/personal-banking/credit-cards"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Apple Pay",
        "additionalInfo": "Easy, fast and secure payments with Apple Pay",
        "additionalInfoUri": "https://www.boqspecialist.com.au/personal-banking/credit-cards/apple-pay"
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "Easily access your funds using your Visa debit card, via online banking and our mobile app including BPAY and Pay Anyone functionality",
        "additionalInfoUri": "https://olb.boqspecialist.com.au/web/banking#sst"
      }
    ],
    "constraints": [
      {
        "constraintType": "MIN_LIMIT",
        "additionalValue": "15000.0000000000",
        "additionalInfo": "Minimum Credit Limit"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "MIN_INCOME",
        "additionalValue": "120000.0000000000"
      },
      {
        "eligibilityType": "NATURAL_PERSON"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Product is generally offered to medical, dental, veterinary or accounting professions and their associates and suppliers",
        "additionalInfoUri": "https://www.boqspecialist.com.au/about"
      },
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "18"
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "Resident or Citizen"
      }
    ],
    "fees": [
      {
        "name": "Voucher Retrieval Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.0000"
        },
        "currency": "AUD",
        "additionalInfo": "Payable for each voucher retrieval you request BOQ Specialist to obtain from a relevant merchant.",
        "additionalInfoUri": "https://www.boqspecialist.com.au/content/dam/boq-specialist/files/products/credit-cards/terms-and-conditions/CREDIT-CARD-KEY-FACTS-SHEET.pdf"
      },
      {
        "name": "Foreign Currency Conversion Fee",
        "feeType": "PURCHASE",
        "feeMethodUType": "rateBased",
        "rateBased": {
          "rateType": "TRANSACTION",
          "rate": "0.0320000000000000"
        },
        "currency": "AUD",
        "additionalInfo": "Payable when you make a transaction on your card account in a currency other than Australian dollars, or you make a transaction on your card account in any currency (including AUD) that is processed by the card scheme or billed by the merchant outside Australia. 1.0% of the total amount of each such transaction is payable to Visa as a currency conversion charge and the remaining 2.2% of the total amount of each such transaction is an administration fee payable to BOQ Specialist.",
        "additionalInfoUri": "https://www.boqspecialist.com.au/content/dam/boq-specialist/files/products/credit-cards/terms-and-conditions/CREDIT-CARD-KEY-FACTS-SHEET.pdf"
      },
      {
        "name": "Payment Dishonour Fee",
        "feeType": "DISHONOUR",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "15.0000"
        },
        "currency": "AUD",
        "additionalInfo": "Payable per dishonour and deducted from your card account at the time of dishonour.",
        "additionalInfoUri": "https://www.boqspecialist.com.au/content/dam/boq-specialist/files/products/credit-cards/terms-and-conditions/CREDIT-CARD-KEY-FACTS-SHEET.pdf"
      },
      {
        "name": "Duplicate and Interim Statement Fee",
        "feeType": "ENQUIRY",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.0000"
        },
        "currency": "AUD",
        "additionalInfo": "Per request (payable and deducted from your card account on request of a statement or copy of a statement in addition to the monthly credit card statement we give you in accordance with the Conditions of Use).",
        "additionalInfoUri": "https://www.boqspecialist.com.au/content/dam/boq-specialist/files/products/credit-cards/terms-and-conditions/CREDIT-CARD-KEY-FACTS-SHEET.pdf"
      },
      {
        "name": "Annual Card Fee",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "400.0000"
        },
        "currency": "AUD",
        "additionalValue": "P1Y",
        "additionalInfo": "Deducted from your card account after you activate your card account and then on each anniversary after that date (unless otherwise advertised)",
        "additionalInfoUri": "https://www.boqspecialist.com.au/content/dam/boq-specialist/files/products/credit-cards/terms-and-conditions/CREDIT-CARD-KEY-FACTS-SHEET.pdf"
      },
      {
        "name": "Priority Pass Guest Visit Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "35.0000"
        },
        "currency": "USD",
        "additionalInfo": "The primary cardholder is entitled to four complimentary visits to Priority Pass lounges and may bring one guest per visit free of charge. Any additional guests will be charged directly to you by Priority Pass at their ordinary price, currently US$35 per person per visit.",
        "additionalInfoUri": "https://www.boqspecialist.com.au/content/dam/boq-specialist/files/products/credit-cards/terms-and-conditions/CREDIT-CARD-KEY-FACTS-SHEET.pdf"
      }
    ],
    "lendingRates": [
      {
        "rate": "0.2050000000000000",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "lendingRateType": "PURCHASE",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "OTHER",
        "loanPurpose": "OTHER"
      },
      {
        "rate": "0.2050000000000000",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "lendingRateType": "CASH_ADVANCE",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "OTHER",
        "loanPurpose": "OTHER"
      }
    ]
  }
}