{ "snapshot_at": "2026-10-24T09:57:56Z", "brand": "Credit Union SA", "brand_slug": "credit-union-sa", "product_id": "CREDITUNIONSA_OD_550", "cdr_url": "https://openbanking.api.creditunionsa.com.au/cds-au/v1/banking/products/CREDITUNIONSA_OD_550", "x_v": 7, "how_to_fetch": "curl -H 'x-v: 7' 'https://openbanking.api.creditunionsa.com.au/cds-au/v1/banking/products/CREDITUNIONSA_OD_550'", "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_550", "effectiveFrom": "2016-12-16T00:00:00.000+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": "Education Community Credit Card", "description": "Our Education Community Credit Card includes no annual fee, a 0% pa introductory rate for the first six months on purchases, balance transfers and cash advances as well as a low ongoing interest rate after the first 6 months.  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. This is exclusive to current or retired employees of the South Australian education community, students carrying out studies in education, and their eligible immediate family members.", "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/education-community-credit-card/", "termsUri": "https://www.creditunionsa.com.au/globalassets/pdfs/brc_1025.pdf", "eligibilityUri": "https://www.creditunionsa.com.au/cards/education-community-credit-card/", "feesAndPricingUri": "https://www.creditunionsa.com.au/fees/credit-cards-and-overdrafts/", "additionalOverviewUris": [], "additionalTermsUris": [], "additionalEligibilityUris": [], "additionalFeesAndPricingUris": [], "additionalBundleUris": [] }, "cardArt": [ { "cardScheme": "VISA", "cardType": "CREDIT", "title": "Education Community Credit Card", "imageUri": "https://cms.creditunionsa.com.au/assets/images/20220112_SecondaryPageBanners_EducationCommunityCard.jpg" } ], "bundles": [], "features": [ { "featureType": "CARD_ACCESS", "additionalValue": "Education Community Credit Card", "additionalInfoUri": "https://www.creditunionsa.com.au/cards/education-community-credit-card/" }, { "featureType": "ADDITIONAL_CARDS", "additionalValue": "Null", "additionalInfoUri": "https://www.creditunionsa.com.au/cards/education-community-credit-card/" }, { "featureType": "UNLIMITED_TXNS", "additionalInfoUri": "https://www.creditunionsa.com.au/cards/education-community-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/education-community-credit-card/" }, { "eligibilityType": "OTHER", "additionalInfo": "Knowledge Counts Banking Benefits members and students carrying out studies in education and eligible family members (these are parents, children, grandparents, grandchildren, siblings and partners only), as part of the Knowledge Counts Banking Benefits offered by Credit Union SA.", "additionalInfoUri": "https://www.creditunionsa.com.au/cards/education-community-credit-card/" }, { "eligibilityType": "RESIDENCY_STATUS", "additionalValue": "Australian citizen or permanent resident", "additionalInfoUri": "https://www.creditunionsa.com.au/cards/education-community-credit-card/" } ], "fees": [ { "name": "Education Community Credit Card Periodic", "feeType": "PERIODIC", "currency": "AUD", "additionalValue": "Annual fee is waived for any employee of the education community and students carrying out studies in education.", "additionalInfoUri": "https://www.creditunionsa.com.au/fees/credit-cards-and-overdrafts/", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "0.00" }, "discounts": [] }, { "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": [] } ], "depositRates": [], "lendingRates": [ { "lendingRateType": "INTRODUCTORY", "comparisonRate": "0.0", "interestPaymentDue": "IN_ARREARS", "repaymentType": "INTEREST_ONLY", "loanPurpose": "OTHER", "rate": "0.0", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P1M", "tiers": [], "additionalValue": "P6M", "additionalInfoUri": "https://www.creditunionsa.com.au/cards/education-community-credit-card/" }, { "lendingRateType": "PURCHASE", "comparisonRate": "0.0", "interestPaymentDue": "IN_ARREARS", "repaymentType": "INTEREST_ONLY", "loanPurpose": "OTHER", "rate": "0.1149", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P1M", "tiers": [], "additionalInfoUri": "https://www.creditunionsa.com.au/cards/education-community-credit-card/" }, { "lendingRateType": "CASH_ADVANCE", "comparisonRate": "0.0", "interestPaymentDue": "IN_ARREARS", "repaymentType": "INTEREST_ONLY", "loanPurpose": "OTHER", "rate": "0.1149", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P1M", "tiers": [], "additionalInfoUri": "https://www.creditunionsa.com.au/cards/education-community-credit-card/" } ] } }