{
  "snapshot_at": "2026-11-05T06:23:13Z",
  "brand": "Greater Bank",
  "brand_slug": "greater-bank",
  "product_id": "3220",
  "cdr_url": "https://public.cdr.greater.com.au/cds-au/v1/banking/products/3220",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://public.cdr.greater.com.au/cds-au/v1/banking/products/3220'",
  "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": {
    "brand": "GB",
    "description": "Low rate, low fee, personal credit card",
    "isTailored": false,
    "lastUpdated": "2026-11-04T13:00:00Z",
    "name": "Visa Credit Card",
    "productCategory": "CRED_AND_CHRG_CARDS",
    "productId": "3220",
    "additionalInformation": {
      "overviewUri": "https://www.greater.com.au/personal/credit-cards/visa-credit-card/",
      "termsUri": "https://www.greater.com.au/termsandconditions",
      "eligibilityUri": null,
      "feesAndPricingUri": "https://www.greater.com.au/siteassets/calculators-rate-and-support/documents/disclosure-documents/fees-and-charges/creditcard_feesandchargesform.pdf",
      "bundleUri": null,
      "additionalOverviewUris": null,
      "additionalTermsUris": null,
      "additionalEligibilityUris": null,
      "additionalFeesAndPricingUris": null,
      "additionalBundleUris": null
    },
    "applicationUri": "https://www.greater.com.au/personal/credit-cards/",
    "brandName": "Greater Bank",
    "brandGroup": null,
    "cardArt": [
      {
        "imageUri": "https://www.greater.com.au/globalassets/images/gb-cards/gb_visa_credit_card.png",
        "title": "Visa Credit Card",
        "cardScheme": "VISA",
        "cardType": "CREDIT"
      }
    ],
    "effectiveFrom": "2007-03-31T14:00:00Z",
    "effectiveTo": "9999-12-29T13:00:00Z",
    "bundles": null,
    "constraints": [
      {
        "constraintType": "MIN_LIMIT",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": "1000.00"
      },
      {
        "constraintType": "MAX_LIMIT",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": "25000.00"
      }
    ],
    "depositRates": null,
    "eligibility": [
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Applicants must meet applicable identification requirements and lending criteria, including demonstrating an ability to afford repayments.",
        "additionalInfoUri": null,
        "additionalValue": null
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": "Australian Residents only"
      },
      {
        "eligibilityType": "MIN_AGE",
        "additionalInfo": "Minimum cardholder age 16 years​",
        "additionalInfoUri": null,
        "additionalValue": "18"
      },
      {
        "eligibilityType": "NATURAL_PERSON",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": null
      },
      {
        "eligibilityType": "EMPLOYMENT_STATUS",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": "Have a demonstrated ability to afford repayments"
      }
    ],
    "features": [
      {
        "featureType": "ADDITIONAL_CARDS",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": "9"
      },
      {
        "featureType": "FRAUD_PROTECTION",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": null
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": null
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalInfo": null,
        "additionalInfoUri": "https://www.greater.com.au/digitalwallet/",
        "additionalValue": "Google Pay"
      },
      {
        "featureType": "INTEREST_FREE",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": "P55D"
      },
      {
        "featureType": "BALANCE_TRANSFERS",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": null
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalInfo": null,
        "additionalInfoUri": "https://www.greater.com.au/digitalwallet/",
        "additionalValue": "Apple Pay"
      },
      {
        "featureType": "CARD_ACCESS",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": "Greater Bank Visa Credit Card"
      },
      {
        "featureType": "UNLIMITED_TXNS",
        "additionalInfo": "Subject to credit limit",
        "additionalInfoUri": null,
        "additionalValue": null
      },
      {
        "featureType": "NOTIFICATIONS",
        "additionalInfo": "Receive notification from bank of your nominated transactions (e.g. low account balance warning; credits over $500)",
        "additionalInfoUri": null,
        "additionalValue": "SMS or Email"
      }
    ],
    "fees": [
      {
        "feeType": "WITHDRAWAL",
        "name": "EFT transaction fee (RTGS)",
        "additionalInfo": "Applicable when you send an outward RTGS (Real time gross settlement)",
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "20.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EVENT",
        "name": "Information fee - Per Page",
        "additionalInfo": "Information fee $20.00 plus $1.00 per page copied. Debited to your account when we provide information or copies of documents to you or someone else that relates to your credit card contract or any other record relating to the credit card contract.",
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "1.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EVENT",
        "name": "Replacement card fee",
        "additionalInfo": "Payable if the card is sent to you outside Australia. Payable when you or an additional cardholder request a replacement card before your card has expired, and you have already requested a replacement card in the period between the date on which the most recent annual fee is charged on your account (or if the annual fee is waived, the date on which it would be charged had it not been waived) and the date on which you request a second replacement card.",
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "100.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "TRANSACTION",
        "name": "SMS alert fee",
        "additionalInfo": "Charged for each SMS alert that is sent to you notifying you of account balances and/or other nominated transactions.",
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.20"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EVENT",
        "name": "Disputed transaction fee",
        "additionalInfo": "Debited to your account when you request a record of a disputed transaction.",
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "CASH_ADVANCE",
        "name": "Overseas cash advance fee",
        "additionalInfo": "If your account has a negative balance at the time you request you will be charged 2.00% of the cash advance amount. The minimum fee is $4.00, the maximum fee is $20.00. If your account has a positive balance flat fee is $4.00. Debited to your account when you request a cash advance through a terminal outside of Australia. The fee will be debited on the last day of the statement period.",
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "rateBased",
        "fixedAmount": null,
        "rateBased": {
          "rateType": "TRANSACTION",
          "rate": "0.0200",
          "accrualFrequency": null,
          "amountRange": null
        },
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "PURCHASE",
        "name": "Foreign currency conversion fee",
        "additionalInfo": "3.00% of the value of the transaction in AUD debited to your account when you make a transaction in a foreign currency or in AUD when you are outside of Australia; or in Australia where the merchant or financial institution that processes the transaction is located outside of Australia",
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "rateBased",
        "fixedAmount": null,
        "rateBased": {
          "rateType": "TRANSACTION",
          "rate": "0.0300",
          "accrualFrequency": null,
          "amountRange": null
        },
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "WITHDRAWAL",
        "name": "EasyPay notification fee - SMS",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.20"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "DEPOSIT",
        "name": "Foreign currency deposit fee",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "CASH_ADVANCE",
        "name": "Australian cash advance fee",
        "additionalInfo": "If your account has a negative balance at the time you request the cash advance fee you will be charged 2.00% of the cash advance amount. The minimum fee is $1.50, the maximum fee is $20.00. If your account has a positive balance flat fee is $1.50. Debited to your account when you request a cash advance in Australia. The fee will be debited on the last day of the statement period. ",
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "rateBased",
        "fixedAmount": null,
        "rateBased": {
          "rateType": "TRANSACTION",
          "rate": "0.0200",
          "accrualFrequency": null,
          "amountRange": null
        },
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "WITHDRAWAL",
        "name": "Telegraphic transfer - Foreign Currency (Outgoing International Payment)",
        "additionalInfo": "When transferring in a foreign currency. Fee is inclusive of $20.00 payable to the product issuer, Convera Australia Pty Ltd.",
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "30.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "WITHDRAWAL",
        "name": "Bank transfer fee",
        "additionalInfo": "Applicable when receiving an inward RTGS (Real time gross settlement)",
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "8.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "WITHDRAWAL",
        "name": "Overseas ATM",
        "additionalInfo": "$5.00 plus Foreign Currency Conversion Fee",
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EVENT",
        "name": "Default notice fee",
        "additionalInfo": "Debited to your account when we send you a notice informing you of a default under the credit card contract.",
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "50.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "LATE_PAYMENT",
        "name": "Late payment fee",
        "additionalInfo": "Payable when you miss a payment. The fee will be debited to your account on the last day of the second consecutive statement period in which the minimum repayment is not made and thereafter on the last day of each statement period that the minimum repayment is not made by the due date.",
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "20.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "PERIODIC",
        "name": "Annual fee",
        "additionalInfo": "Debited to your account on the last day of the month in which the account is opened and then on the anniversary of that date every year. We will waive the annual fee: 1) When the value of all purchases debited to your account during the period between the debiting of one annual fee and the date of the next annual fee is to be debited equals or exceeds $12,000; 2) If you have paid an annual package fee in respect of your Ultimate Home loan on the date of or since the date that the last annual fee would otherwise have been debited.",
        "additionalInfoUri": null,
        "additionalValue": "P1Y",
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "49.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "WITHDRAWAL",
        "name": "Bulk coin purchase fee - In branch",
        "additionalInfo": "2.00% of value (minimum $2.00)",
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "rateBased",
        "fixedAmount": null,
        "rateBased": {
          "rateType": "TRANSACTION",
          "rate": "0.0200",
          "accrualFrequency": null,
          "amountRange": null
        },
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "WITHDRAWAL",
        "name": "Telegraphic transfer - Australian Currency (Outgoing International Payment)",
        "additionalInfo": "When transferring in AUD. Fee is inclusive of $40.00 payable to the product issuer, Convera Australia Pty Ltd.",
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "50.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "WITHDRAWAL",
        "name": "Bulk coin purchase fee - External",
        "additionalInfo": "$8.00 per bag",
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "8.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EVENT",
        "name": "Replacement card fee",
        "additionalInfo": "Payable if the card is sent to you in Australia. Payable when you or an additional cardholder request a replacement card before your card has expired, and you have already requested a replacement card in the period between the date on which the most recent annual fee is charged on your account (or if the annual fee is waived, the date on which it would be charged had it not been waived) and the date on which you request a second replacement card.",
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "7.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EVENT",
        "name": "Information fee",
        "additionalInfo": "$20.00 plus $1.00 per page copied. Debited to your account when we provide information or copies of documents to you or someone else that relates to your credit card contract or any other record relating to the credit card contract.",
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "20.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "WITHDRAWAL",
        "name": "EasyPay notification fee - Letter",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "8.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "PURCHASE",
        "rate": "0.0995",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": null,
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D",
        "comparisonRate": null,
        "interestPaymentDue": "IN_ARREARS",
        "loanPurpose": "OTHER",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "tiers": null,
        "applicabilityConditions": null,
        "applicationType": "PERIODIC"
      },
      {
        "lendingRateType": "CASH_ADVANCE",
        "rate": "0.0995",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": null,
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D",
        "comparisonRate": null,
        "interestPaymentDue": "IN_ARREARS",
        "loanPurpose": "OTHER",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "tiers": null,
        "applicabilityConditions": null,
        "applicationType": "PERIODIC"
      },
      {
        "lendingRateType": "BALANCE_TRANSFER",
        "rate": "0.0995",
        "additionalInfo": null,
        "additionalInfoUri": "https://www.greater.com.au/personal/credit-card-interest-rates",
        "additionalValue": null,
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D",
        "comparisonRate": null,
        "interestPaymentDue": "IN_ARREARS",
        "loanPurpose": "OTHER",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "tiers": null,
        "applicabilityConditions": null,
        "applicationType": "PERIODIC"
      }
    ],
    "instalments": null
  }
}