{
  "snapshot_at": "2026-11-07T23:42:54Z",
  "brand": "MyCard",
  "brand_slug": "mycard",
  "product_id": "1c178978-1bac-4858-894a-eec4b71b1d68",
  "cdr_url": "https://api-openbanking.secure.mycard.com.au/cds-au/v1/banking/products/1c178978-1bac-4858-894a-eec4b71b1d68",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://api-openbanking.secure.mycard.com.au/cds-au/v1/banking/products/1c178978-1bac-4858-894a-eec4b71b1d68'",
  "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": "1c178978-1bac-4858-894a-eec4b71b1d68",
    "effectiveFrom": "2020-09-01T00:00:00Z",
    "lastUpdated": "2026-11-02T00:00:00Z",
    "productCategory": "CRED_AND_CHRG_CARDS",
    "name": "MyCard Premier",
    "description": "The Product is a premium rewards credit card that provides individuals with a line of credit facility, the ability to earn MyCard Reward Points (Reward Points) and access to ancillary benefits and complimentary insurances",
    "brand": "MyCard",
    "brandName": "MyCard",
    "applicationUri": "https://mycard.com.au/credit-cards/premier-card",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://mycard.com.au/credit-cards/premier-card",
      "termsUri": "https://mycard.com.au/help-and-support/important-information/terms-and-conditions",
      "eligibilityUri": "https://mycard.com.au/credit-cards/premier-card",
      "feesAndPricingUri": "https://mycard.com.au/help-and-support/important-information/fees-and-charges-credit-cards"
    },
    "cardArt": [
      {
        "cardScheme": "MASTERCARD",
        "cardType": "CREDIT",
        "imageUri": "https://www.mycard.com.au/credit-cards/premier-card/_jcr_content/root/container_1841667468/backgroundcontainer/banner/thumbnail_image.coreimg.png/1762874647410/mycard-premier-digital-card-1536x969.png"
      }
    ],
    "features": [
      {
        "featureType": "ADDITIONAL_CARDS",
        "additionalValue": "4",
        "additionalInfoUri": "https://www.mycard.com.au/credit-cards/premier-card"
      },
      {
        "featureType": "BALANCE_TRANSFERS",
        "additionalValue": "Eligibility criteria and terms and conditions apply",
        "additionalInfoUri": "https://www.mycard.com.au/help-and-support/manage-account/balance-transfers"
      },
      {
        "featureType": "BILL_PAYMENT",
        "additionalValue": "BPAY",
        "additionalInfoUri": "https://www.mycard.com.au/help-and-support/manage-account/paying-your-mycard-account"
      },
      {
        "featureType": "COMPLEMENTARY_PRODUCT_DISCOUNTS",
        "additionalValue": "Complimentary range of everyday benefits to help you shop and save",
        "additionalInfoUri": "https://www.mycard.com.au/credit-cards/benefits"
      },
      {
        "featureType": "COMPLEMENTARY_PRODUCT_DISCOUNTS",
        "additionalValue": "Priority Pass",
        "additionalInfoUri": "https://www.mycard.com.au/credit-cards/benefits"
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "MyCard Online",
        "additionalInfoUri": "https://secure.mycard.com.au/login"
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "MyCard App",
        "additionalInfoUri": "https://apps.apple.com/au/app/mycard-au/id6504455295"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Apple Pay",
        "additionalInfoUri": "https://www.mycard.com.au/help-and-support/account-setup/digital-wallets"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Samsung Pay",
        "additionalInfoUri": "https://www.mycard.com.au/help-and-support/account-setup/digital-wallets"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Google Pay",
        "additionalInfoUri": "https://www.mycard.com.au/help-and-support/account-setup/digital-wallets"
      },
      {
        "featureType": "INSURANCE",
        "additionalValue": "International Travel Insurance",
        "additionalInfoUri": "https://www.mycard.com.au/credit-cards/benefits"
      },
      {
        "featureType": "INSURANCE",
        "additionalValue": "Domestic Travel Insurance",
        "additionalInfoUri": "https://www.mycard.com.au/credit-cards/benefits"
      },
      {
        "featureType": "INSURANCE",
        "additionalValue": "Extended Warranty Insurance",
        "additionalInfoUri": "https://www.mycard.com.au/credit-cards/benefits"
      },
      {
        "featureType": "INSURANCE",
        "additionalValue": "Purchase Protection Insurance",
        "additionalInfoUri": "https://www.mycard.com.au/credit-cards/benefits"
      },
      {
        "featureType": "INSURANCE",
        "additionalValue": "Mobile phone insurance",
        "additionalInfoUri": "https://www.mycard.com.au/credit-cards/benefits"
      },
      {
        "featureType": "INTEREST_FREE",
        "additionalValue": "P44D",
        "additionalInfoUri": "https://www.mycard.com.au/credit-cards/premier-card"
      },
      {
        "featureType": "LOYALTY_PROGRAM",
        "additionalValue": "MyCard Rewards program",
        "additionalInfoUri": "https://www.mycard.com.au/rewards-program"
      },
      {
        "featureType": "NOTIFICATIONS",
        "additionalValue": "MyCard Alerts"
      },
      {
        "featureType": "UNLIMITED_TXNS",
        "additionalInfoUri": "https://www.mycard.com.au/credit-cards/premier-card"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "24/7 worldwide customer service and fraud protection",
        "additionalInfoUri": "https://www.mycard.com.au/help-and-support/contact-us"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "24/7 customer service if your card is lost or stolen.",
        "additionalInfoUri": "https://www.mycard.com.au/help-and-support/contact-us"
      },
      {
        "featureType": "INSTALMENT_PLAN",
        "additionalValue": "Eligibility criteria and terms and conditions apply",
        "additionalInfoUri": "https://www.mycard.com.au/credit-cards/instalment-plans"
      }
    ],
    "constraints": [
      {
        "constraintType": "MAX_LIMIT",
        "additionalValue": "100000.00"
      },
      {
        "constraintType": "MIN_LIMIT",
        "additionalValue": "10000.00"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "18",
        "additionalInfoUri": "https://mycard.com.au/credit-cards/premier-card"
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "Must be an Australian resident",
        "additionalInfoUri": "https://mycard.com.au/credit-cards/premier-card"
      },
      {
        "eligibilityType": "NATURAL_PERSON"
      }
    ],
    "fees": [
      {
        "name": "Late Payment Fee",
        "feeType": "LATE_PAYMENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "30.00"
        },
        "currency": "AUD",
        "additionalValue": "14",
        "additionalInfo": "The amount charged to your Account after the Payment Due Date if at the time the fee is debited, your Account has an Overdue Amount and the balance of your Account is $50 or more.",
        "additionalInfoUri": "https://mycard.com.au/help-and-support/important-information/fees-and-charges-credit-cards"
      },
      {
        "name": "Dishonour Fee",
        "feeType": "DISHONOUR",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "currency": "AUD",
        "additionalInfo": "Charged each time a payment to the account is dishonoured, debited at time of dishonour.",
        "additionalInfoUri": "https://mycard.com.au/help-and-support/important-information/fees-and-charges-credit-cards"
      },
      {
        "name": "Overlimit Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "currency": "AUD",
        "additionalInfo": "Only for accounts opened prior to 1 July 2012. Charged per statement period when your credit limit is exceeded, debited to your account on the date your credit limit is exceeded and on each statement date in subsequent statement periods if your account remains overlimit.",
        "additionalInfoUri": "https://mycard.com.au/help-and-support/important-information/fees-and-charges-credit-cards"
      },
      {
        "name": "Annual Fee",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "300.00"
        },
        "currency": "AUD",
        "additionalValue": "P1Y",
        "additionalInfoUri": "https://www.mycard.com.au/credit-cards/premier-card"
      },
      {
        "name": "Additional Cardholder Fee",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "currency": "AUD",
        "additionalValue": "P1Y",
        "additionalInfo": "You may have up to four additional cardholders, who must be at least 16 years old.",
        "additionalInfoUri": "https://www.mycard.com.au/credit-cards/premier-card"
      },
      {
        "name": "International Transaction Fee",
        "feeType": "TRANSACTION",
        "feeMethodUType": "rateBased",
        "rateBased": {
          "rateType": "TRANSACTION",
          "rate": "0.035"
        },
        "currency": "AUD",
        "additionalInfo": "When you make a Retail Purchase or obtain a Cash Advance in Australian dollars while overseas, or while in Australia (for example online) where the merchant, or the financial institution or entity processing the transaction, is located outside Australia. An ATM fee may also apply.",
        "additionalInfoUri": "https://mycard.com.au/help-and-support/important-information/fees-and-charges-credit-cards"
      },
      {
        "name": "Over-the-Counter Transaction Fee",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "2.50"
        },
        "currency": "AUD",
        "additionalInfo": "Charged for each payment made to your Account by cash at an Australia Post outlet displaying the Bank@PostTM symbol.",
        "additionalInfoUri": "https://mycard.com.au/help-and-support/important-information/fees-and-charges-credit-cards"
      },
      {
        "name": "Domestic Cash Advance Fee",
        "feeType": "CASH_ADVANCE",
        "feeMethodUType": "rateBased",
        "rateBased": {
          "rateType": "TRANSACTION",
          "rate": "0.035",
          "amountRange": {
            "feeMinimum": "3.50"
          }
        },
        "currency": "AUD",
        "additionalInfo": "$3.50 per transaction amount or 3.5% of the transaction amount, whichever is higher, for a Cash Advance inside Australia, debited to your Account on the date the Cash Advance takes place. An ATM fee may also apply.",
        "additionalInfoUri": "https://mycard.com.au/help-and-support/important-information/fees-and-charges-credit-cards"
      },
      {
        "name": "International Cash Advance Fee",
        "feeType": "CASH_ADVANCE",
        "feeMethodUType": "rateBased",
        "rateBased": {
          "rateType": "TRANSACTION",
          "rate": "0.035",
          "amountRange": {
            "feeMinimum": "3.50"
          }
        },
        "currency": "AUD",
        "additionalInfo": "$3.50 per transaction amount or 3.50% of the transaction amount, whichever is higher, for a Cash Advance outside Australia, debited to your Account on the date the Cash Advance tasks place. Please note, this is in addition to any International Transaction Fee that may be payable. An ATM fee may also apply.",
        "additionalInfoUri": "https://mycard.com.au/help-and-support/important-information/fees-and-charges-credit-cards"
      },
      {
        "name": "Paper Statement Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "2.00"
        },
        "currency": "AUD",
        "additionalInfo": "Charged when we issue you a paper statement and debited to your Account on the last day of the Statement Period. This may be waived in limited circumstances.",
        "additionalInfoUri": "https://mycard.com.au/help-and-support/important-information/fees-and-charges-credit-cards"
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "PURCHASE",
        "rate": "0.2249",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "OTHER",
        "loanPurpose": "OTHER",
        "additionalInfo": "Retail purchase rate",
        "additionalInfoUri": "https://www.mycard.com.au/help-and-support/important-information/fees-and-charges-credit-cards"
      },
      {
        "lendingRateType": "CASH_ADVANCE",
        "rate": "0.2299",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "OTHER",
        "loanPurpose": "OTHER",
        "additionalInfo": "Cash advance rate",
        "additionalInfoUri": "https://www.mycard.com.au/help-and-support/important-information/fees-and-charges-credit-cards"
      }
    ],
    "instalments": {
      "minimumPlanValue": "50.00",
      "minimumSplit": 3,
      "maximumSplit": 60
    }
  }
}