{
  "snapshot_at": "2026-11-12T02:35:51Z",
  "brand": "CommBank",
  "brand_slug": "commbank",
  "product_id": "67b2f138050940d8977cbbaebbfcc636",
  "cdr_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/67b2f138050940d8977cbbaebbfcc636",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://api.commbank.com.au/public/cds-au/v1/banking/products/67b2f138050940d8977cbbaebbfcc636'",
  "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": "ADDITIONAL_CARDS",
        "additionalValue": "1",
        "additionalInfo": "Adding an additional cardholder is an easy way to share the convenience and accessibility of your CommBank credit card, without opening a new account. You can have one additional cardholder and they must be at least 16 years old. They'll get a card with their name but with your account number.",
        "additionalInfoUri": "https://www.commbank.com.au/support.credit-cards.add-additional-cardholder.html"
      },
      {
        "featureType": "BILL_PAYMENT",
        "additionalValue": "AutoPay",
        "additionalInfo": "Through AutoPay, you can choose to have the full closing balance, the minimum amount due, or set an amount debited from your chosen CommBank transaction account. If the set amount isn t enough to cover the minimum payment shown on your current statement, we ll take out more to cover the difference. If the set amount is more than your closing balance shown on your current statement, only the closing balance amount is debited.",
        "additionalInfoUri": "https://www.commbank.com.au/support.credit-cards.set-up-autopay.html"
      },
      {
        "featureType": "BILL_PAYMENT",
        "additionalValue": "BPAY View",
        "additionalInfo": "With BPAY View you can switch to online bills & ask billers to send them directly to the CommBank app or NetBank, making it easy to see, track, and pay bills online.",
        "additionalInfoUri": "https://www.commbank.com.au/digital-banking/bpay-view.html"
      },
      {
        "featureType": "COMPLEMENTARY_PRODUCT_DISCOUNTS",
        "additionalValue": "Priceless Cities",
        "additionalInfo": "A program available exclusively to Mastercard cardholders that provides access to unforgettable experiences in the cities where you live and travel.",
        "additionalInfoUri": "https://www.priceless.com/"
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "Wherever you are in the world, CommBank gives you the choice and control to securely manage all of your accounts on a range of devices, the way you want.",
        "additionalInfoUri": "https://www.commbank.com.au/digital-banking.html"
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "We help you stay on track with your credit card spending in the CommBank app.",
        "additionalInfoUri": "https://www.commbank.com.au/digital-banking/spend-tracker-insights.html"
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "Setting a Spending Cap helps you keep on top of your spend. Plus you can still access additional funds if you need them.",
        "additionalInfoUri": "https://www.commbank.com.au/support.credit-cards.set-a-spending-cap-or-decrease-limit.html"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Apple Pay",
        "additionalInfo": "Pay with your Apple(TM) device using Apple Pay.",
        "additionalInfoUri": "https://www.commbank.com.au/digital-banking/mobile-payments-wearables/apple-pay.html"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "CommBank Tap and Pay",
        "additionalInfo": "Pay with your Android(TM) phone using the CommBank app.",
        "additionalInfoUri": "https://www.commbank.com.au/digital-banking/tap-and-pay.html"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Garmin Pay",
        "additionalInfo": "Pay with your Garmin(TM) smartwatch using Garmin Pay.",
        "additionalInfoUri": "https://www.commbank.com.au/digital-banking/mobile-payments-wearables/garmin-pay.html"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Google Pay",
        "additionalInfo": "Pay with your Android(TM) device using Google Pay(TM).",
        "additionalInfoUri": "https://www.commbank.com.au/digital-banking/mobile-payments-wearables/google-pay.html"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Samsung Pay",
        "additionalInfo": "Pay with your Samsung(TM) device using Samsung Pay.",
        "additionalInfoUri": "https://www.commbank.com.au/digital-banking/mobile-payments-wearables/samsung-pay.html"
      },
      {
        "featureType": "EXTRA_REPAYMENTS",
        "additionalInfo": "While you have a SurePay instalment plan, payments are applied in accordance with our Terms and Conditions.",
        "additionalInfoUri": "https://www.commbank.com.au/content/dam/commbank/personal/apply-online/download-printed-forms/cc2-cou.pdf"
      },
      {
        "featureType": "FRAUD_PROTECTION",
        "additionalInfo": "Instantly lock, block or limit your credit card for extra control through the CommBank app or NetBank.",
        "additionalInfoUri": "https://www.commbank.com.au/digital-banking/lock-block-limit-your-credit-card.html"
      },
      {
        "featureType": "FRAUD_PROTECTION",
        "additionalInfo": "Securing your accounts is our top priority. That's why we provide a range of security features and services, including fraud prevention technology and secure banking, to help you stay safe.",
        "additionalInfoUri": "https://www.commbank.com.au/support/security.html"
      },
      {
        "featureType": "INTEREST_FREE",
        "additionalValue": "P55D",
        "additionalInfo": "Up to 55 days. We won't charge any interest on purchases if you pay at least the closing balance shown on your statement by the due date each and every month.",
        "additionalInfoUri": "https://www.commbank.com.au/credit-cards/credit-card-interest.html"
      },
      {
        "featureType": "NOTIFICATIONS",
        "additionalValue": "Billing notifications",
        "additionalInfo": "We'll tell you when your online bill payment is due.",
        "additionalInfoUri": "https://www.commbank.com.au/digital-banking/bpay-view.html"
      },
      {
        "featureType": "NOTIFICATIONS",
        "additionalValue": "Overlimit notifications",
        "additionalInfo": "Sends message to customer to inform them their card is over limit and to make payment to reduce limit and prevent an overlimit fee from being charged to the account."
      },
      {
        "featureType": "NOTIFICATIONS",
        "additionalValue": "Payment reminders",
        "additionalInfo": "Reminders before payments are due to avoid late fees."
      },
      {
        "featureType": "NOTIFICATIONS",
        "additionalValue": "Transaction Notifications",
        "additionalInfo": "Turn Transaction Notifications on in the CommBank app and we'll instantly alert you when you pay using your CommBank credit card, and when you receive money into your everyday account.",
        "additionalInfoUri": "https://www.commbank.com.au/digital-banking/transaction-notifications.html"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Use QR Cardless to withdraw cash or deposit notes, coins and cheques (subject to product eligibility) by using the latest version of the CommBank app to scan a QR code at a compatible CommBank ATM",
        "additionalInfoUri": "https://www.commbank.com.au/digital-banking/qr-cardless.html"
      },
      {
        "featureType": "INSTALMENT_PLAN",
        "additionalInfo": "The SurePay - Balance Plan is an instalment plan feature available to help you manage your credit card repayments. You can break down your credit card purchase balance into smaller, manageable instalments with a fixed term and no set up fee. Your card purchase interest rate, or special interest rate, will be applied to the balance and Terms and Conditions apply.",
        "additionalInfoUri": "https://www.commbank.com.au/credit-cards/manage/surepay-instalment-plans.html"
      },
      {
        "featureType": "INSTALMENT_PLAN",
        "additionalInfo": "The SurePay - Cash Advance Plan is an instalment plan feature available to help you manage your credit card repayments. You can break down your cash advance balance into smaller, manageable instalments with a fixed term and no set up fee. Your cash advance interest rate will apply to the balance and Terms and Conditions apply.",
        "additionalInfoUri": "https://www.commbank.com.au/credit-cards/manage/surepay-instalment-plans.html"
      },
      {
        "featureType": "INSTALMENT_PLAN",
        "additionalInfo": "The SurePay - Purchase Plan is an instalment plan feature available to help you manage your credit card repayments. You can split your purchases into smaller, manageable instalments with a fixed term and 0% interest rate for purchases in an instalment plan. A set-up fee and minimum term applies and is subject to Terms and Conditions. The SurePay - Purchase Plan is considered an Instalment Feature of the account. For further information refer to the BankingProductInstalments Open Banking API.",
        "additionalInfoUri": "https://www.commbank.com.au/credit-cards/manage/surepay-instalment-plans.html"
      }
    ],
    "constraints": [
      {
        "constraintType": "MIN_LIMIT",
        "additionalValue": "500.00",
        "additionalInfo": "Note that the credit limit we give you will depend on your ability to meet your repayments."
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "18",
        "additionalInfo": "The additional cardholder may be 16 years of age or older.",
        "additionalInfoUri": "https://www.commbank.com.au/credit-cards/what-you-need-to-apply.html"
      },
      {
        "eligibilityType": "NATURAL_PERSON",
        "additionalInfo": "Individuals must have the legal capacity to enter into the loan contract. Not available for non-personal borrowers.",
        "additionalInfoUri": "https://www.commbank.com.au/credit-cards/what-you-need-to-apply.html"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Applications for credit cards are subject to credit approval.",
        "additionalInfoUri": "https://www.commbank.com.au/credit-cards/what-you-need-to-apply.html"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Each application for credit is assessed on the ability of the applicant to service debt (limit) based on the financials supplied in the application.",
        "additionalInfoUri": "https://www.commbank.com.au/credit-cards/what-you-need-to-apply.html"
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "AU",
        "additionalInfo": "Available to citizens or permanent resident of Australia and valid visa holders. Make sure you are legally allowed to work in Australia.",
        "additionalInfoUri": "https://www.commbank.com.au/credit-cards/what-you-need-to-apply.html"
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "NZ",
        "additionalInfo": "Available to citizens or permanent resident of NZ and valid visa holders. Make sure you are legally allowed to work in Australia.",
        "additionalInfoUri": "https://www.commbank.com.au/credit-cards/what-you-need-to-apply.html"
      }
    ],
    "fees": [
      {
        "name": "Additional cardholder fee",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "currency": "AUD",
        "additionalValue": "P1Y",
        "additionalInfo": "Pay no additional cardholder fee to share the convenience of your card with an additional cardholder."
      },
      {
        "name": "Late payment fee",
        "feeType": "LATE_PAYMENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "20.00"
        },
        "currency": "AUD",
        "additionalValue": "1",
        "additionalInfo": "When you don't make your minimum monthly payment, plus any overdue amount, by your statement due date."
      },
      {
        "name": "Overlimit fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "15.00"
        },
        "currency": "AUD",
        "additionalInfo": "When we first allow you to go over your credit limit in a statement period. Only applies to accounts opened before 1 July 2012 (including any time you switch to a new credit card product)"
      },
      {
        "name": "Emergency issue/ lost/ replacement card fee",
        "feeType": "REPLACEMENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "20.00"
        },
        "currency": "AUD",
        "additionalInfo": "When you need an emergency replacement card delivered to you."
      },
      {
        "name": "International transaction fee",
        "feeType": "TRANSACTION",
        "feeMethodUType": "rateBased",
        "rateBased": {
          "rateType": "TRANSACTION",
          "rate": "0.035"
        },
        "currency": "AUD",
        "additionalInfo": "When you make a transaction that is converted by Mastercard or Visa from a foreign currency to Australian dollars."
      },
      {
        "name": "Cash advance fee",
        "feeType": "CASH_ADVANCE",
        "feeMethodUType": "rateBased",
        "rateBased": {
          "rateType": "TRANSACTION",
          "rate": "0.03",
          "amountRange": {
            "feeMinimum": "4.00",
            "feeMaximum": "300.00"
          }
        },
        "currency": "AUD",
        "additionalInfo": "This is charged for cash advances from CommBank branches or other Australian financial institutions, ATMs, overseas terminals or financial institutions, funds transfers using CommBank networks and purchases of cash equivalent items, such as gambling, lottery tickets and money transfers. Capped at a maximum fee of $300.00 (or $4.00 if your closing balance was in credit the previous business day)."
      },
      {
        "name": "Monthly fee",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "6.00"
        },
        "currency": "AUD",
        "additionalValue": "P1M",
        "additionalInfo": "Payable each month, giving you access to the features and benefits of your credit card."
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "CASH_ADVANCE",
        "rate": "0.2199",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "OTHER",
        "loanPurpose": "OTHER"
      },
      {
        "lendingRateType": "PURCHASE",
        "rate": "0.1399",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "OTHER",
        "loanPurpose": "OTHER",
        "additionalInfo": "From 10 December 2024, interest rates offered on approval vary from 10.99% p.a. to 15.99% p.a. The rate offered to you (your personalised interest rate) within this range depends on different factors, including your individual credit risk score. Once your credit contract is entered into, your personalised interest rate will be reviewed periodically and may change upon review. We may also vary the range of rates available for new Low Rate credit cards at any time. We ll notify you as outlined in the conditions of use if your personalised interest rate changes. All customers with an existing CommBank Low Rate credit card, and customers who switch from an existing CommBank credit card to a Low Rate credit card will be offered or will retain an interest rate of 13.99% p.a. This rate may be varied at any time during the term of the credit contract."
      }
    ],
    "instalments": {
      "maximumConcurrentPlans": 50,
      "minimumPlanValue": "100.00",
      "minimumSplit": 3,
      "maximumSplit": 12
    },
    "productId": "67b2f138050940d8977cbbaebbfcc636",
    "lastUpdated": "2026-11-12T02:15:46.000Z",
    "productCategory": "CRED_AND_CHRG_CARDS",
    "name": "Low Rate credit card",
    "description": "With a low interest rate on purchases, our Low Rate credit card makes it easier to pay off purchases over time.",
    "brand": "CBA",
    "brandName": "CommBank",
    "applicationUri": "https://www.commbank.com.au/credit-cards/low-rate.html",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.commbank.com.au/credit-cards/low-rate.html",
      "termsUri": "https://www.commbank.com.au/content/dam/commbank/personal/apply-online/download-printed-forms/cc2-cou.pdf",
      "eligibilityUri": "https://www.commbank.com.au/credit-cards/low-rate.html",
      "feesAndPricingUri": "https://www.commbank.com.au/personal/apply-online/download-printed-forms/ADB1682.pdf"
    },
    "cardArt": [
      {
        "cardScheme": "MASTERCARD",
        "cardType": "CREDIT",
        "title": "Low Rate credit card",
        "imageUri": "https://www.commbank.com.au/content/dam/commbank-assets/open-banking/credit-cards/retail/mastercard-low-rate-credit-card.png"
      }
    ]
  }
}