{
  "snapshot_at": "2026-10-24T09:57:58Z",
  "brand": "First Option Bank",
  "brand_slug": "first-option-bank",
  "product_id": "VISA_CREDIT_CARD",
  "cdr_url": "https://internetbanking.firstoption.com.au/OpenBanking/cds-au/v1/banking/products/VISA_CREDIT_CARD",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://internetbanking.firstoption.com.au/OpenBanking/cds-au/v1/banking/products/VISA_CREDIT_CARD'",
  "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": "CARD_ACCESS",
        "additionalInfo": "Visa Card"
      },
      {
        "featureType": "INTEREST_FREE",
        "additionalInfo": "up to 45 days on purchases"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalInfo": "Google, Apple Pay, Samsung Pay"
      },
      {
        "featureType": "DIGITAL_BANKING"
      },
      {
        "featureType": "NPP_ENABLED"
      },
      {
        "featureType": "NOTIFICATIONS",
        "additionalInfo": "Email, SMS"
      }
    ],
    "constraints": [
      {
        "constraintType": "MIN_LIMIT",
        "additionalValue": "500.00"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "Australian Residents"
      },
      {
        "eligibilityType": "NATURAL_PERSON"
      },
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "18"
      }
    ],
    "fees": [
      {
        "name": "CREDIT_CARD_ANNUAL_FEE",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "48.00"
        },
        "currency": "AUD",
        "additionalValue": "P1Y",
        "discounts": [
          {
            "description": "Credit Card Annual Fee",
            "discountType": "ELIGIBILITY_ONLY",
            "discountMethodUType": "rateBased",
            "rateBased": {
              "rateType": "FEE",
              "rate": "1.0"
            },
            "eligibility": [
              {
                "discountEligibilityType": "OTHER",
                "additionalInfo": "If you have a Complete Home Loan with First Option you will not be charged this fee"
              }
            ]
          }
        ]
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "CASH_ADVANCE",
        "rate": "0.1799",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "repaymentType": "OTHER",
        "loanPurpose": "OTHER",
        "additionalInfoUri": "https://www.firstoptionbank.com.au/lending-rates/"
      },
      {
        "lendingRateType": "PURCHASE",
        "rate": "0.1049",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "repaymentType": "OTHER",
        "loanPurpose": "OTHER",
        "additionalInfoUri": "https://www.firstoptionbank.com.au/lending-rates/"
      }
    ],
    "productCategory": "CRED_AND_CHRG_CARDS",
    "cardArt": [
      {
        "cardScheme": null,
        "cardType": null,
        "title": "Visa Credit Card",
        "imageUri": "https://firstoptionbank.com.au/wp-content/uploads/2020/11/Credit-Card-Mockup_blue-8.png"
      }
    ],
    "productId": "VISA_CREDIT_CARD",
    "lastUpdated": "2026-06-02T12:56:29.000+10:00",
    "name": "VISA CREDIT CARD",
    "description": "Low Rate Visa Credit Card",
    "brand": "FIRST OPTION BANK LTD",
    "brandName": "FIRST OPTION BANK",
    "applicationUri": "https://www.firstoptionbank.com.au/credit-card-enquiry/",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.firstoptionbank.com.au/credit-card/",
      "termsUri": "https://firstoptionbank.com.au/disclosure-statements/",
      "eligibilityUri": "https://firstoptionbank.com.au/disclosure-statements/",
      "feesAndPricingUri": "https://firstoptionbank.com.au/disclosure-statements/"
    }
  }
}