{
  "snapshot_at": "2026-11-07T23:42:42Z",
  "brand": "Coles Credit Cards",
  "brand_slug": "coles-credit-cards",
  "product_id": "52d7855f-39b1-4dd4-af37-e1d3d2da67e4",
  "cdr_url": "https://api.openbanking.secure.coles.com.au/cds-au/v1/banking/products/52d7855f-39b1-4dd4-af37-e1d3d2da67e4",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://api.openbanking.secure.coles.com.au/cds-au/v1/banking/products/52d7855f-39b1-4dd4-af37-e1d3d2da67e4'",
  "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": "52d7855f-39b1-4dd4-af37-e1d3d2da67e4",
    "effectiveFrom": "2020-09-01T00:00:00Z",
    "lastUpdated": "2026-11-02T00:12:00Z",
    "productCategory": "CRED_AND_CHRG_CARDS",
    "name": "Coles Rewards  Mastercard",
    "description": "The Product is rewards credit card that provides individuals with a line of credit facility, the ability to earn Fluybuys Points and access to complimentary Mobile Phone insurance.",
    "brand": "Coles",
    "brandName": "Coles Credit Cards",
    "applicationUri": "https://www.coles.com.au/credit-cards/rewards",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.coles.com.au/credit-cards/rewards",
      "termsUri": "https://www.coles.com.au/credit-cards/rewards",
      "eligibilityUri": "https://www.coles.com.au/credit-cards/rewards",
      "feesAndPricingUri": "https://www.coles.com.au/credit-cards/rewards"
    },
    "cardArt": [
      {
        "cardScheme": "MASTERCARD",
        "cardType": "CREDIT",
        "imageUri": "https://www.coles.com.au/credit-cards/rewards"
      }
    ],
    "features": [
      {
        "featureType": "ADDITIONAL_CARDS",
        "additionalValue": "4"
      },
      {
        "featureType": "INSURANCE",
        "additionalValue": "Complimentary insurance\r\nComplimentary mobile phone insurance - effective from 1 October",
        "additionalInfoUri": "https://www.coles.com.au/credit-cards/rewards"
      },
      {
        "featureType": "BALANCE_TRANSFERS",
        "additionalValue": "Eligibility criteria and terms and conditions apply"
      },
      {
        "featureType": "INTEREST_FREE",
        "additionalValue": "P44D"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Apple Pay"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Samsung Pay"
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "Online Service Centre"
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "Coles Credit Cards App"
      },
      {
        "featureType": "BILL_PAYMENT",
        "additionalValue": "Pay Your Account"
      },
      {
        "featureType": "BILL_PAYMENT",
        "additionalValue": "BPAY"
      },
      {
        "featureType": "LOYALTY_PROGRAM",
        "additionalValue": "Flybuys"
      },
      {
        "featureType": "FRAUD_PROTECTION",
        "additionalInfo": "Coles Shield",
        "additionalInfoUri": "https://www.coles.com.au/credit-cards/existing-customers/faqs/security-and-protection"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Google Pay"
      },
      {
        "featureType": "INSTALMENT_PLAN",
        "additionalValue": "Eligibility criteria and terms and conditions apply",
        "additionalInfoUri": "https://www.coles.com.au/credit-cards/instalment-plans"
      }
    ],
    "constraints": [
      {
        "constraintType": "MAX_LIMIT",
        "additionalValue": "60000.00"
      },
      {
        "constraintType": "MIN_LIMIT",
        "additionalValue": "1000.00"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "18"
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "Must be an Australian resident"
      },
      {
        "eligibilityType": "NATURAL_PERSON"
      }
    ],
    "fees": [
      {
        "name": "Annual Fee",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "99.00"
        },
        "currency": "AUD",
        "additionalValue": "P1Y",
        "additionalInfoUri": "https://www.coles.com.au/credit-cards/rewards"
      },
      {
        "name": "Late Payment Fee",
        "feeType": "LATE_PAYMENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "30.00"
        },
        "currency": "AUD",
        "additionalValue": "15",
        "additionalInfo": "$30 each time we do not receive the Minimum Payment Due and any Overdue Amount by the payment due date, debited to your Account after the payment due date. The Minimum Payment Due, any Overdue Amount, and payment due date are detailed on your statement of account.",
        "additionalInfoUri": "https://www.coles.com.au/credit-cards/rewards"
      },
      {
        "name": "Domestic Cash Advance Fee",
        "feeType": "CASH_ADVANCE",
        "feeMethodUType": "rateBased",
        "rateBased": {
          "rateType": "TRANSACTION",
          "rate": "0.03",
          "amountRange": {
            "feeMinimum": "1.95"
          }
        },
        "currency": "AUD",
        "additionalInfo": "A Domestic Cash Advance Fee will apply of A$1.95 per transaction amount under A$65.00, and 3.00% of the transaction amount for any transaction equal to or over A$65.00, debited to your Account on the Transaction Date.",
        "additionalInfoUri": "https://www.coles.com.au/credit-cards/rewards"
      },
      {
        "name": "International Cash Advance Fee",
        "feeType": "CASH_ADVANCE",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.00"
        },
        "currency": "AUD",
        "additionalInfo": "$5 per Transaction for a Cash Advance outside of Australia, debited to your Account on the Transation Date.",
        "additionalInfoUri": "https://www.coles.com.au/credit-cards/rewards"
      },
      {
        "name": "International Transaction Fee",
        "feeType": "TRANSACTION",
        "feeMethodUType": "rateBased",
        "rateBased": {
          "rateType": "TRANSACTION",
          "rate": "0.03"
        },
        "currency": "AUD",
        "additionalInfo": "An International Transaction Fee will apply of 3.00%, debited to your Account on the Transaction Date, of which a service and assessment fee of 1.10% is payable by us to Mastercard, for any Retail Purchase or Cash Advance transaction in Foreign currency once converted to Australian dollars; and/or Australian dollars (or any other currency).",
        "additionalInfoUri": "https://www.coles.com.au/credit-cards/rewards"
      },
      {
        "name": "Over-the-Counter Transaction Fee",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "2.25"
        },
        "currency": "AUD",
        "additionalInfo": "You will be charged A$2.25 for each payment made to your Account at Australia Post outlets by cash or EFTPOS.",
        "additionalInfoUri": "https://www.coles.com.au/credit-cards/rewards"
      },
      {
        "name": "Paper Statement Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "2.00"
        },
        "currency": "AUD",
        "additionalInfo": "You will be charged a Paper Statement Fee of A$2.00 each month we issue you with a paper statement, debited to your Account in the following Statement Period. This fee may be waived in limited circumstances.",
        "additionalInfoUri": "https://www.coles.com.au/credit-cards/rewards"
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "PURCHASE",
        "rate": "0.2199",
        "calculationFrequency": "P1D",
        "applicationType": "UPFRONT",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "OTHER",
        "loanPurpose": "OTHER",
        "additionalInfo": "Interest on purchases",
        "additionalInfoUri": "https://www.coles.com.au/credit-cards/rewards"
      },
      {
        "lendingRateType": "CASH_ADVANCE",
        "rate": "0.2199",
        "calculationFrequency": "P1D",
        "applicationType": "UPFRONT",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "OTHER",
        "loanPurpose": "OTHER",
        "additionalInfo": "Interest on cash advances",
        "additionalInfoUri": "https://www.coles.com.au/credit-cards/rewards"
      }
    ],
    "instalments": {
      "minimumPlanValue": "50.00",
      "minimumSplit": 3,
      "maximumSplit": 60
    }
  }
}