{
  "snapshot_at": "2026-10-24T09:57:56Z",
  "brand": "Credit Union SA",
  "brand_slug": "credit-union-sa",
  "product_id": "CREDITUNIONSA_OD_500",
  "cdr_url": "https://openbanking.api.creditunionsa.com.au/cds-au/v1/banking/products/CREDITUNIONSA_OD_500",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://openbanking.api.creditunionsa.com.au/cds-au/v1/banking/products/CREDITUNIONSA_OD_500'",
  "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": "CREDITUNIONSA_OD_500",
    "effectiveFrom": "2009-12-31T00:00:00.000+11:00",
    "effectiveTo": "2099-06-01T00:00:00.000+10:00",
    "lastUpdated": "2026-06-29T00:00:00.000+10:00",
    "productCategory": "CRED_AND_CHRG_CARDS",
    "name": "Visa Credit Card",
    "description": "Our Visa Credit Card offers 6 months of 0% pa on balance transfers. Afterwards you’ll still enjoy a low ongoing interest rate, with the same low rate applying for all purchases and cash advances. You’ll have the ability to make fast payments with Google Pay, Apple Pay, Samsung Pay, Garmin Pay and Visa payWave. It’s also highly secure, with microchip technology, 24/7 fraud monitoring, Visa’s Zero Liability policy and Visa Secure for online purchases from participating merchants and payWave. You’ll also be able to temporarily lock your card (if you misplace it), plus block payWave, international and online transactions whenever you need to – using the Mobile Banking App or Internet Banking.",
    "brand": "Credit Union SA",
    "applicationUri": "https://apply.creditunionsa.com.au/cusa/servlet/SmartForm.html?formCode=joint-credit-card",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.creditunionsa.com.au/cards/visa-credit-card/",
      "termsUri": "https://www.creditunionsa.com.au/globalassets/pdfs/brc_1025.pdf",
      "eligibilityUri": "https://www.creditunionsa.com.au/cards/visa-credit-card/",
      "feesAndPricingUri": "https://www.creditunionsa.com.au/fees/credit-cards-and-overdrafts/",
      "additionalOverviewUris": [],
      "additionalTermsUris": [],
      "additionalEligibilityUris": [],
      "additionalFeesAndPricingUris": [],
      "additionalBundleUris": []
    },
    "cardArt": [
      {
        "cardScheme": "VISA",
        "cardType": "CREDIT",
        "title": "Visa Credit Card",
        "imageUri": "https://cms.creditunionsa.com.au/assets/images/20220112_SecondaryPageBanners_Cards_VisaCreditCard.jpg"
      }
    ],
    "bundles": [],
    "features": [
      {
        "featureType": "CARD_ACCESS",
        "additionalValue": "Visa Credit Card",
        "additionalInfoUri": "https://www.creditunionsa.com.au/cards/visa-credit-card/"
      },
      {
        "featureType": "ADDITIONAL_CARDS",
        "additionalValue": "Null",
        "additionalInfoUri": "https://www.creditunionsa.com.au/cards/visa-credit-card/"
      },
      {
        "featureType": "UNLIMITED_TXNS",
        "additionalInfoUri": "https://www.creditunionsa.com.au/cards/visa-credit-card/"
      },
      {
        "featureType": "OVERDRAFT",
        "additionalInfoUri": "https://www.creditunionsa.com.au/fees/credit-cards-and-overdrafts/"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Apple Pay",
        "additionalInfoUri": "https://www.creditunionsa.com.au/tools/digital-wallet/"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Google Pay",
        "additionalInfoUri": "https://www.creditunionsa.com.au/tools/digital-wallet/"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Garmin Pay",
        "additionalInfoUri": "https://www.creditunionsa.com.au/tools/digital-wallet/"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Samsung Pay",
        "additionalInfoUri": "https://www.creditunionsa.com.au/tools/digital-wallet/"
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfoUri": "https://www.creditunionsa.com.au/digital-banking/"
      },
      {
        "featureType": "NPP_PAYID",
        "additionalInfoUri": "https://www.creditunionsa.com.au/digital-banking/real-time-payments/payid"
      },
      {
        "featureType": "NPP_ENABLED",
        "additionalInfoUri": "https://www.creditunionsa.com.au/digital-banking/real-time-payments/payid"
      },
      {
        "featureType": "BILL_PAYMENT",
        "additionalValue": "Bpay",
        "additionalInfoUri": "https://www.creditunionsa.com.au/globalassets/pdfs/brc_1095.pdf"
      },
      {
        "featureType": "NOTIFICATIONS",
        "additionalValue": "SMS alerts available for specified events/transactions, at regular intervals of one-off.",
        "additionalInfoUri": "https://www.creditunionsa.com.au/globalassets/pdfs/brc_1095.pdf"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Round-ups (destination account)",
        "additionalInfoUri": "https://www.creditunionsa.com.au/globalassets/pdfs/brc_1095.pdf"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Lock, block and control your card",
        "additionalInfoUri": "https://www.creditunionsa.com.au/community/news/2019/lock-block-and-control-your-card/"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Business Banking can be attached to the product",
        "additionalInfoUri": "https://www.creditunionsa.com.au/accounts/transaction-accounts/business-banking"
      }
    ],
    "constraints": [
      {
        "constraintType": "MIN_LIMIT",
        "additionalValue": "1000.00"
      },
      {
        "constraintType": "MAX_LIMIT",
        "additionalValue": "20000.00"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "18",
        "additionalInfoUri": "https://www.creditunionsa.com.au/cards/visa-credit-card/"
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "Australian citizen or permanent resident",
        "additionalInfoUri": "https://www.creditunionsa.com.au/cards/visa-credit-card/"
      }
    ],
    "fees": [
      {
        "name": "Transaction",
        "feeType": "TRANSACTION",
        "currency": "AUD",
        "additionalValue": "No transaction or withdrawal fees",
        "additionalInfoUri": "https://www.creditunionsa.com.au/fees/credit-cards-and-overdrafts/",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "discounts": []
      },
      {
        "name": "Arrears",
        "feeType": "EVENT",
        "currency": "AUD",
        "additionalValue": "Arrears administration fee",
        "additionalInfoUri": "https://www.creditunionsa.com.au/fees/credit-cards-and-overdrafts/",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "15.00"
        },
        "discounts": []
      },
      {
        "name": "Currency Conversion",
        "feeType": "EVENT",
        "currency": "AUD",
        "additionalValue": "Visa Currency Conversion",
        "additionalInfoUri": "https://www.creditunionsa.com.au/fees/credit-cards-and-overdrafts/",
        "feeMethodUType": "rateBased",
        "rateBased": {
          "rateType": "TRANSACTION",
          "rate": "0.03",
          "amountRange": {
            "feeMinimum": "0.01",
            "feeMaximum": "9999999.99"
          }
        },
        "discounts": []
      },
      {
        "name": "Lost VISA Card",
        "feeType": "EVENT",
        "currency": "AUD",
        "additionalValue": "Lost VISA Card",
        "additionalInfo": "Payable when you lose or misplace your VISA Card and we need to order you a new card",
        "additionalInfoUri": "https://www.creditunionsa.com.au/fees/other-fees/",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.00"
        },
        "discounts": []
      },
      {
        "name": "Visa Credit Card Periodic",
        "feeType": "PERIODIC",
        "currency": "AUD",
        "additionalValue": "Annual fee",
        "additionalInfoUri": "https://www.creditunionsa.com.au/fees/credit-cards-and-overdrafts/",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "59.00"
        },
        "discounts": [
          {
            "description": "Annual fee is waived for any employee of the education community and students carrying out studies in education and eligible family members(these are parents, children, grandparents, grandchildren, siblings and partners only).",
            "discountType": "ELIGIBILITY_ONLY",
            "additionalInfoUri": "https://www.creditunionsa.com.au/fees/credit-cards-and-overdrafts/",
            "discountMethodUType": "fixedAmount",
            "fixedAmount": {
              "amount": "0.00"
            },
            "eligibility": [
              {
                "discountEligibilityType": "STUDENT",
                "additionalValue": "<html><html>Application fee is waived for any employee of the education community and students carrying out studies in education <b>and eligible family members(these are parents, children, grandparents, grandchildren, siblings and partners only).</b></html></html>",
                "additionalInfoUri": "https://www.creditunionsa.com.au/cards/education-community-credit-card"
              },
              {
                "discountEligibilityType": "EMPLOYMENT_STATUS",
                "additionalValue": "<html><html>Application fee is waived for any employee of the education community and students carrying out studies in education <b>and eligible family members(these are parents, children, grandparents, grandchildren, siblings and partners only).</b></html></html>",
                "additionalInfoUri": "https://www.creditunionsa.com.au/cards/education-community-credit-card"
              }
            ]
          },
          {
            "description": "Annual fee is waved for any employee at SA Power Network",
            "discountType": "ELIGIBILITY_ONLY",
            "additionalInfoUri": "https://www.creditunionsa.com.au/cards/workplace-benefits-credit-card",
            "discountMethodUType": "fixedAmount",
            "fixedAmount": {
              "amount": "0.00"
            },
            "eligibility": [
              {
                "discountEligibilityType": "EMPLOYMENT_STATUS",
                "additionalValue": "0% pa introductory rate on cash advances, purchases and balance transfers for a period of 6 months on new accounts and no annual fee.",
                "additionalInfo": "Offers are available to employees within any of the following companies or fields of employment SA Power Networks, Foodbank SA/NT, St John Ambulance SA and other organisations, as join the program.",
                "additionalInfoUri": "https://www.creditunionsa.com.au/fees/personal-loans/"
              }
            ]
          }
        ]
      }
    ],
    "depositRates": [],
    "lendingRates": [
      {
        "lendingRateType": "VARIABLE",
        "comparisonRate": "0.0",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "OTHER",
        "rate": "0.0",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [],
        "additionalInfoUri": "https://www.creditunionsa.com.au/cards/visa-credit-card/"
      },
      {
        "lendingRateType": "PURCHASE",
        "comparisonRate": "0.0",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "OTHER",
        "rate": "0.1199",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [],
        "additionalInfoUri": "https://www.creditunionsa.com.au/cards/visa-credit-card/"
      },
      {
        "lendingRateType": "CASH_ADVANCE",
        "comparisonRate": "0.0",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "OTHER",
        "rate": "0.1199",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [],
        "additionalInfoUri": "https://www.creditunionsa.com.au/cards/visa-credit-card/"
      }
    ]
  }
}