{
  "snapshot_at": "2026-10-24T09:57:59Z",
  "brand": "HSBC Bank Australia Limited – Wholesale Banking",
  "brand_slug": "hsbc-bank-australia-limited-wholesale-banking",
  "product_id": "CR2",
  "cdr_url": "https://public.ob.business.hsbc.com.au/cds-au/v1/banking/products/CR2",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://public.ob.business.hsbc.com.au/cds-au/v1/banking/products/CR2'",
  "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": "CR2",
    "effectiveFrom": "2020-10-01T00:49:00.000Z",
    "lastUpdated": "2025-12-02T07:07:11.406Z",
    "productCategory": "CRED_AND_CHRG_CARDS",
    "name": "HSBC Corporate or Purchasing Card",
    "description": "Corporate or Purchasing cards for corporate expenditure including T&E and  Procurement spend",
    "brand": "HSBC",
    "applicationUri": "https://www.business.hsbc.com.au/en-au/cards-email-us",
    "isTailored": true,
    "additionalInformation": {
      "overviewUri": "https://www.business.hsbc.com.au/en-au/solutions/corporate-card",
      "termsUri": "https://www.business.hsbc.com.au/en-au/solutions/corporate-card",
      "eligibilityUri": "https://www.business.hsbc.com.au/en-au/solutions/corporate-card",
      "bundleUri": "https://www.business.hsbc.com.au/en-au/solutions/corporate-card"
    },
    "cardArt": [
      {
        "title": "Corporate or Purchasing",
        "imageUri": "https://www.business.hsbc.com.au/-/jssmedia/media/australia/images/campaigns/au-corporate-cardface-img.jpg?h=516&iar=0&w=800&hash=64E0EE07E5471A3DC30D08CD12733021",
        "cardScheme": "MASTERCARD",
        "cardType": "CREDIT"
      }
    ],
    "features": [
      {
        "featureType": "CARD_ACCESS",
        "additionalValue": "Physical, Chip, Contactless, Apple Wallet, Google Wallet",
        "additionalInfoUri": "https://www.business.hsbc.com.au/en-au/solutions/corporate-card"
      },
      {
        "featureType": "ADDITIONAL_CARDS",
        "additionalInfo": "Unlimited additional cards can be issued under the company"
      },
      {
        "featureType": "UNLIMITED_TXNS"
      },
      {
        "featureType": "INSURANCE",
        "additionalValue": "Complimentary travel & unauthorised transaction insurance ",
        "additionalInfoUri": "https://www.business.hsbc.com.au/en-au/form-downloads-and-interest-rates"
      },
      {
        "featureType": "INTEREST_FREE",
        "additionalValue": "P55D",
        "additionalInfo": "Up to 55 days interest free"
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "Online card management portal available"
      },
      {
        "featureType": "BILL_PAYMENT",
        "additionalValue": "Mandatory direct debit, BPAY available"
      },
      {
        "featureType": "NOTIFICATIONS",
        "additionalValue": "Alerts such as fraud alerts, spending alerts, and more"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "BUSINESS",
        "additionalInfo": "Corporate applicants only. Company Liability."
      }
    ],
    "fees": [
      {
        "name": "Annual fee",
        "feeType": "PERIODIC",
        "currency": "AUD",
        "additionalValue": "P1Y",
        "additionalInfo": "Annual fee per card",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "40.00"
        }
      },
      {
        "name": "Overseas Transaction Fee",
        "feeType": "TRANSACTION",
        "currency": "AUD",
        "feeMethodUType": "rateBased",
        "rateBased": {
          "rateType": "TRANSACTION",
          "rate": "0.03"
        }
      },
      {
        "name": "Overseas cash advance fee",
        "feeType": "CASH_ADVANCE",
        "currency": "AUD",
        "additionalInfo": "Overseas cash advance and quasi cash fee",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "4.50"
        }
      },
      {
        "name": "Domestic cash advance fee",
        "feeType": "CASH_ADVANCE",
        "currency": "AUD",
        "additionalInfo": "Domestic cash advance and quasi cash fee",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "2.50"
        }
      },
      {
        "name": "Late Payment Reminder Fee",
        "feeType": "EVENT",
        "currency": "AUD",
        "additionalInfo": "payable on or after the day an amount is due for payment and has not been paid",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "30.00"
        }
      },
      {
        "name": "Disputed Transaction Charge",
        "feeType": "EVENT",
        "currency": "AUD",
        "additionalInfo": "Per item disputed where the resultant investigation confirms liability for the transaction is with the cardholder",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.00"
        }
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "CASH_ADVANCE",
        "rate": "0.1575",
        "calculationFrequency": "P1D",
        "applicationFrequency": "P1D",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OTHER",
        "additionalInfo": "Interest rate applied to cash advances",
        "applicationType": "PERIODIC"
      },
      {
        "lendingRateType": "PENALTY",
        "rate": "0.1575",
        "calculationFrequency": "P1D",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OTHER",
        "additionalValue": "Purchases interest rate for purchases not paid off in full by payment due date",
        "applicationType": "PERIODIC"
      }
    ]
  }
}