{ "snapshot_at": "2026-10-31T23:18:46Z", "brand": "Great Southern Bank", "brand_slug": "great-southern-bank", "product_id": "2691-0100", "cdr_url": "https://api.open-banking.greatsouthernbank.com.au/cds-au/v1/banking/products/2691-0100", "x_v": 7, "how_to_fetch": "curl -H 'x-v: 7' 'https://api.open-banking.greatsouthernbank.com.au/cds-au/v1/banking/products/2691-0100'", "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": "2691-0100", "effectiveFrom": "2026-09-28T14:00:00.00000Z", "effectiveTo": "2037-12-31T13:59:59.00000Z", "lastUpdated": "2026-10-30T21:01:00.00000Z", "productCategory": "CRED_AND_CHRG_CARDS", "name": "Low Rate Credit Card (New)", "description": "A VISA credit card with a low rate and a low monthly fee.", "brand": "Great Southern Bank", "brandName": "Great Southern Bank", "brandGroup": "Great Southern Bank", "applicationUri": "https://apply.greatsouthernbank.com.au/integatecus/frmIntegate.aspx?company=CUA&merchant=250&operator=WEB&Product=CC&ccProductId=1&ccCardDesign=1&ccProductName=Low%20Rate%20Credit%20Card&ccPromoCode=&encp=3PbPtkh51DQ5EnhM38OwPPF6jX0oem/KmPj0zQrDv80=a1RV/y24aquBKZoqpcE8gLiWGIMvYN6z&_gl=1*1lywldp*_gcl_au*NTQ1MDkxOTQ1LjE3NTQ0NDUxNzU.", "isTailored": false, "additionalInformation": { "overviewUri": "https://www.greatsouthernbank.com.au/credit-cards/low-rate", "termsUri": "https://www.greatsouthernbank.com.au/__data/assets/pdf_file/0024/536154/RC00689_CREDIT_CARD_Conditions_of_Use_and_Credit_Guide_260911.pdf", "eligibilityUri": "https://www.greatsouthernbank.com.au/credit-cards/low-rate", "feesAndPricingUri": "https://www.greatsouthernbank.com.au/__data/assets/pdf_file/0021/45903/RC00688_Schedule_of_Fees_CREDIT_CARD_250910.pdf" }, "cardArt": [ { "title": "Low Rate Credit Card", "imageUri": "https://www.greatsouthernbank.com.au/media/jthn/low-rate.webp", "cardScheme": "VISA", "cardType": "CREDIT" } ], "eligibility": [ { "eligibilityType": "MIN_AGE", "additionalValue": "18", "additionalInfo": "To be 18 or over" }, { "eligibilityType": "NATURAL_PERSON", "additionalInfo": "Applications are for individuals and personal use purposes only." }, { "eligibilityType": "RESIDENCY_STATUS", "additionalValue": "You must be an Australian citizen or Australian resident to hold an account with Great Southern Bank" }, { "eligibilityType": "OTHER", "additionalInfo": "Applications for credit cards are subject to credit approval." }, { "eligibilityType": "OTHER" } ], "constraints": [ { "constraintType": "MIN_LIMIT", "additionalValue": "500.00", "additionalInfo": "Minimum credit limit", "additionalInfoUri": "https://www.greatsouthernbank.com.au/__data/assets/pdf_file/0025/536155/KFS_KEY-FACTS-SHEET_250725.pdf" } ], "features": [ { "featureType": "ADDITIONAL_CARDS", "additionalValue": "3", "additionalInfo": "Additional Cardholders must be over 16 years of age. If an Additional Cardholder is not an existing Great Southern Bank customer, they must complete a Membership Application - Individual form and satisfy our identification requirements before being added to your account." }, { "featureType": "NOTIFICATIONS", "additionalValue": "Monthly Statements" }, { "featureType": "OTHER", "additionalInfo": "Minimum Repayment. Your minimum repayment for each month will be calculated as the amount that is the greatest (or equal greatest) of: $35; or 3% of your Closing Balance; AND your Overlimit Amount (if any). If the Closing Balance on your Account is less than $35, the minimum repayment will be the Closing Balance." }, { "featureType": "DIGITAL_BANKING", "additionalInfo": "Wherever you are in the world, Great Southern Bank 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.greatsouthernbank.com.au/digital-banking" }, { "featureType": "DIGITAL_WALLET", "additionalValue": "Apple Pay", "additionalInfo": "Pay with your Apple(TM) device using Apple Pay.", "additionalInfoUri": "https://www.greatsouthernbank.com.au/digital-banking/apple-pay-everyday" }, { "featureType": "FRAUD_PROTECTION", "additionalInfo": "Enjoy 24/7 fraud monitoring and Visa’s Zero Liability Policy^.", "additionalInfoUri": "https://www.greatsouthernbank.com.au/credit-cards" }, { "featureType": "OTHER", "additionalInfo": "24/7 Emergency Assistance. If your card is lost or stolen, you can call us anytime to block it and order a replacement card.", "additionalInfoUri": "https://www.greatsouthernbank.com.au/credit-cards" }, { "featureType": "DIGITAL_WALLET", "additionalValue": "Google Pay", "additionalInfo": "Pay with your NFC capable Android(TM) devices using Google Pay.", "additionalInfoUri": "https://www.greatsouthernbank.com.au/digital-banking/google-pay" }, { "featureType": "INTEREST_FREE", "additionalValue": "P55D", "additionalInfo": "Up to 55 interest free days on purchases when you pay off your closing balance in full by the due date shown on your statement each month." } ], "fees": [ { "name": "Monthly Card fee", "feeType": "PERIODIC", "feeMethodUType": "fixedAmount", "amount": "5.00", "currency": "AUD", "additionalValue": "Monthly", "additionalInfo": "The Annual Fee is charged to your Account on the last day of your first statement cycle, and then will be charged monthly thereafter.", "fixedAmount": { "amount": "5.00" } }, { "name": "Cash Advance Fee", "feeType": "WITHDRAWAL", "feeMethodUType": "variable", "currency": "AUD", "additionalInfo": "A minimum of $3.50 Cash Advance Fee will be charged when a Cash Advance is obtained from your Account.", "variable": {} }, { "name": "Foreign Exchange Fee", "feeType": "TRANSACTION", "feeMethodUType": "variable", "currency": "AUD", "additionalInfo": "A Foreign Exchange Fee will be charged in Australian dollars for any Purchases or Cash Advances made or processed in a foreign currency or where the merchant, or the merchant’s financial institution, is located overseas (both Multi-Currency Transactions and Single Currency Transactions).", "variable": {} }, { "name": "Late Payment Fee", "feeType": "EVENT", "feeMethodUType": "fixedAmount", "amount": "12.50", "currency": "AUD", "additionalInfo": "A Late Payment Fee will be charged if the ”Total amount due” figure shown on the Statement is not paid within 25 days from your Statement Date.", "fixedAmount": { "amount": "12.50" } }, { "name": "Emergency Replacement Card Fee", "feeType": "EVENT", "feeMethodUType": "fixedAmount", "amount": "30.00", "currency": "AUD", "additionalInfo": "An Emergency Replacement Card Fee will be charged when a replacement Card is requested to be provided to you or an Additional Cardholder via a priority service within Australia or overseas.", "fixedAmount": { "amount": "30.00" } } ], "lendingRates": [ { "lendingRateType": "CASH_ADVANCE", "rate": "0.2174", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P1M", "interestPaymentDue": "IN_ARREARS", "repaymentType": "OTHER", "loanPurpose": "UNCONSTRAINED" }, { "lendingRateType": "PURCHASE", "rate": "0.1199", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P1M", "interestPaymentDue": "IN_ARREARS", "repaymentType": "OTHER", "loanPurpose": "UNCONSTRAINED" } ] } }