{
  "snapshot_at": "2026-10-24T09:57:57Z",
  "brand": "Defence Bank",
  "brand_slug": "defence-bank",
  "product_id": "552",
  "cdr_url": "https://product.defencebank.com.au/cds-au/v1/banking/products/552",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://product.defencebank.com.au/cds-au/v1/banking/products/552'",
  "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": "552",
    "effectiveFrom": "2020-10-01T00:00:00.000+10:00",
    "effectiveTo": "2029-12-31T00:00:00.000+11:00",
    "lastUpdated": "2026-03-16T00:00:00.000+11:00",
    "productCategory": "CRED_AND_CHRG_CARDS",
    "name": "Defence Bank Foundation Credit Card",
    "description": "A Visa credit card that gives back. Half of the annual $45 card fee is donated to the Defence Bank Foundation - a charity whose sole beneficiary is Defence Community Dogs.",
    "brand": "Defence Bank",
    "brandName": "Defence Bank Limited",
    "applicationUri": "https://www.defencebank.com.au/creditcard",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.defencebank.com.au/creditcard",
      "termsUri": "https://www.defencebank.com.au/tools-and-advice/legal-and-compliance/disclosure-documents/",
      "eligibilityUri": "https://www.defencebank.com.au/creditcard",
      "feesAndPricingUri": "https://www.defencebank.com.au/creditcard",
      "additionalOverviewUris": [],
      "additionalTermsUris": [],
      "additionalEligibilityUris": [],
      "additionalFeesAndPricingUris": [],
      "additionalBundleUris": []
    },
    "cardArt": [],
    "bundles": [],
    "features": [
      {
        "featureType": "ADDITIONAL_CARDS",
        "additionalValue": "Additional cardholder at no extra cost.",
        "additionalInfoUri": "https://www.defencebank.com.au/creditcard"
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalValue": "Digital banking convenience, Access via our award-winning banking app.",
        "additionalInfoUri": "https://www.defencebank.com.au/creditcard"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Compatible with digital wallets from Apple, Garmin, Google and Samsung.",
        "additionalInfoUri": "https://www.defencebank.com.au/creditcard"
      },
      {
        "featureType": "INTEREST_FREE",
        "additionalValue": "Up to 55 days interest free on purchases.",
        "additionalInfo": "55 Days",
        "additionalInfoUri": "https://www.defencebank.com.au/creditcard"
      },
      {
        "featureType": "OTHER",
        "additionalValue": "Same low rate for purchases and cash advances.",
        "additionalInfoUri": "https://www.defencebank.com.au/creditcard"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Replace lost or stolen cards immediately. Using Quick Cards, Members can order a replacement card within the app and be issued with a virtual card that they can add to their digital wallet and use immediately. This removes the stress and inconvenience of having to wait until the physical card arrives to access funds.",
        "additionalInfo": "Quick Cards",
        "additionalInfoUri": "https://www.defencebank.com.au/tools-and-advice/lost-or-stolen-cards/"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Lock & Block",
        "additionalInfoUri": "https://www.defencebank.com.au/tools-and-advice/lost-or-stolen-cards/"
      },
      {
        "featureType": "OTHER",
        "additionalValue": "Half of the annual $45 card fee is donated to the Defence Bank Foundation - a charity whose sole beneficiary is Defence Community Dogs.",
        "additionalInfo": "Annual donation to charity",
        "additionalInfoUri": "https://www.defencebank.com.au/creditcard"
      },
      {
        "featureType": "OTHER",
        "additionalValue": "Select your own Pin",
        "additionalInfoUri": "https://www.defencebank.com.au/creditcard"
      },
      {
        "featureType": "CARD_ACCESS",
        "additionalValue": "Use tap & go™ to make instant purchases at the tap of a card.",
        "additionalInfo": "tap & go™",
        "additionalInfoUri": "https://www.defencebank.com.au/creditcard"
      },
      {
        "featureType": "OTHER",
        "additionalValue": "Bank@Post facility available.",
        "additionalInfo": "Bank@Post",
        "additionalInfoUri": "https://www.defencebank.com.au/creditcard"
      },
      {
        "featureType": "OTHER",
        "additionalValue": "The greater of $10 or 3% of outstanding balance, plus overlimit or past due amounts.",
        "additionalInfo": "Minimum repayment",
        "additionalInfoUri": "https://www.defencebank.com.au/creditcard"
      }
    ],
    "constraints": [],
    "eligibility": [],
    "fees": [
      {
        "name": "Cheque Dishonour Bank@Post",
        "feeType": "TRANSACTION",
        "currency": "AUD",
        "additionalInfo": "For each cheque deposited through the Bank@Post  system and subsequently dishonoured.",
        "additionalInfoUri": "https://www.defencebank.com.au/tools-and-advice/rates-fees-and-charges/credit-card/",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "14.47"
        },
        "discounts": []
      },
      {
        "name": "Bank@Post Cash Advances.",
        "feeType": "TRANSACTION",
        "currency": "AUD",
        "additionalInfo": "Cash advance fee when cash advance is as a Bank@Post transaction",
        "additionalInfoUri": "https://www.defencebank.com.au/tools-and-advice/rates-fees-and-charges/credit-card/",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "6.10"
        },
        "discounts": []
      },
      {
        "name": "Transfer Fees",
        "feeType": "TRANSACTION",
        "currency": "AUD",
        "additionalInfo": "Transfer between accounts within Defence Bank.",
        "additionalInfoUri": "https://www.defencebank.com.au/tools-and-advice/rates-fees-and-charges/credit-card/",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "4.10"
        },
        "discounts": []
      },
      {
        "name": "Transfer Fees",
        "feeType": "TRANSACTION",
        "currency": "AUD",
        "additionalInfo": "Electronic Transfer requested online.",
        "additionalInfoUri": "https://www.defencebank.com.au/tools-and-advice/rates-fees-and-charges/credit-card/",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.10"
        },
        "discounts": []
      },
      {
        "name": "Transfer Fees",
        "feeType": "TRANSACTION",
        "currency": "AUD",
        "additionalInfo": "Electronic Transfer requested at a branch.",
        "additionalInfoUri": "https://www.defencebank.com.au/tools-and-advice/rates-fees-and-charges/credit-card/",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "6.10"
        },
        "discounts": []
      },
      {
        "name": "Emergency Overseas Visa Cash Advance Fee.",
        "feeType": "EVENT",
        "currency": "USD",
        "additionalInfo": "Emergency Overseas Visa Cash Advance Fee.",
        "additionalInfoUri": "https://www.defencebank.com.au/tools-and-advice/rates-fees-and-charges/credit-card/",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "175.00"
        },
        "discounts": []
      },
      {
        "name": "Emergency overseas Visa replacement card",
        "feeType": "EVENT",
        "currency": "USD",
        "additionalInfo": "Emergency Overseas Visa Replacement Card Fee.",
        "additionalInfoUri": "https://www.defencebank.com.au/tools-and-advice/rates-fees-and-charges/credit-card/",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "175.00"
        },
        "discounts": []
      },
      {
        "name": "Foreign Currency Conversion Fee,",
        "feeType": "TRANSACTION",
        "currency": "AUD",
        "additionalInfo": "Fee is charged as a percentage of value of transaction.",
        "additionalInfoUri": "https://www.defencebank.com.au/tools-and-advice/rates-fees-and-charges/credit-card/",
        "feeMethodUType": "rateBased",
        "rateBased": {
          "rateType": "TRANSACTION",
          "rate": "0.03",
          "accrualFrequency": "Event",
          "amountRange": {
            "feeMinimum": "0.00",
            "feeMaximum": "999999.99"
          }
        },
        "discounts": []
      },
      {
        "name": "Notice of Demand",
        "feeType": "EVENT",
        "currency": "AUD",
        "additionalInfo": "enforcement notice",
        "additionalInfoUri": "https://www.defencebank.com.au/tools-and-advice/rates-fees-and-charges/credit-card/",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "20.00"
        },
        "discounts": []
      },
      {
        "name": "Outbound Foreign Currency International Telegraphic Transfer.",
        "feeType": "WITHDRAWAL",
        "currency": "AUD",
        "additionalInfo": "When requested via online banking or the mobile app.",
        "additionalInfoUri": "https://www.defencebank.com.au/tools-and-advice/rates-fees-and-charges/credit-card/",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "20.00"
        },
        "discounts": []
      },
      {
        "name": "Outbound Foreign Currency International Telegraphic Transfer.",
        "feeType": "WITHDRAWAL",
        "currency": "AUD",
        "additionalInfo": "When requested at a branch.",
        "additionalInfoUri": "https://www.defencebank.com.au/tools-and-advice/rates-fees-and-charges/credit-card/",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "30.00"
        },
        "discounts": []
      },
      {
        "name": "Late Payment Fee.",
        "feeType": "EVENT",
        "currency": "AUD",
        "additionalInfo": "Fee charged when the payment is received after the due date",
        "additionalInfoUri": "https://www.defencebank.com.au/tools-and-advice/rates-fees-and-charges/credit-card/",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "20.00"
        },
        "discounts": []
      },
      {
        "name": "BPay",
        "feeType": "TRANSACTION",
        "currency": "AUD",
        "additionalInfo": "BPAY transaction.",
        "additionalInfoUri": "https://www.defencebank.com.au/tools-and-advice/rates-fees-and-charges/credit-card/",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "4.10"
        },
        "discounts": []
      },
      {
        "name": "Cash Advances except Bank@Post.",
        "feeType": "TRANSACTION",
        "currency": "AUD",
        "additionalInfo": "Cash advance fee (includes withdrawals, electronic transfers).",
        "additionalInfoUri": "https://www.defencebank.com.au/tools-and-advice/rates-fees-and-charges/credit-card/",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "4.10"
        },
        "discounts": []
      },
      {
        "name": "Annual Fee",
        "feeType": "PERIODIC",
        "currency": "AUD",
        "additionalInfo": "Half of the annual fee is donated to the Defence Bank Foundation - a charity whose sole beneficiary is Defence Community Dogs.",
        "additionalInfoUri": "https://www.defencebank.com.au/tools-and-advice/rates-fees-and-charges/credit-card/",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "45.00"
        },
        "discounts": []
      }
    ],
    "depositRates": [],
    "lendingRates": [
      {
        "lendingRateType": "INTRODUCTORY",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "rate": "0.0399",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [],
        "additionalValue": "6 month introductory rate.",
        "additionalInfoUri": "https://www.defencebank.com.au/creditcard"
      },
      {
        "lendingRateType": "FLOATING",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "rate": "0.0899",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [],
        "additionalValue": "Ongoing rate 6 month introductory period.",
        "additionalInfoUri": "https://www.defencebank.com.au/creditcard"
      }
    ]
  }
}