{
  "snapshot_at": "2026-10-27T23:35:55Z",
  "brand": "People First and Heritage Bank",
  "brand_slug": "people-first-and-heritage-bank",
  "product_id": "59c9ee22-c20e-4f97-bb8c-692b7fa4ad99",
  "cdr_url": "https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products/59c9ee22-c20e-4f97-bb8c-692b7fa4ad99",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products/59c9ee22-c20e-4f97-bb8c-692b7fa4ad99'",
  "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": "59c9ee22-c20e-4f97-bb8c-692b7fa4ad99",
    "lastUpdated": "2026-06-04T00:02:48.231Z",
    "productCategory": "CRED_AND_CHRG_CARDS",
    "name": "Unsecured Business Visa Credit Card",
    "description": "Business Credit card gives business owners access to a credit card facility, plus the option of having more than one card to cover monthly fuel, accommodation and other business expenses.",
    "brand": "HERITAGE",
    "brandName": "Heritage",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.heritage.com.au/banking/credit-cards/business-visa",
      "termsUri": "https://www.heritage.com.au/inbound/brochures/guide-to-credit-cards",
      "feesAndPricingUri": "https://www.heritage.com.au/inbound/brochures/fees-and-limits-guide"
    },
    "cardArt": [
      {
        "title": "Business Credit Card",
        "imageUri": "https://www.heritage.com.au/inbound/open-banking/card-art/business-visa",
        "cardScheme": "VISA",
        "cardType": "CREDIT"
      }
    ],
    "features": [
      {
        "featureType": "OTHER",
        "additionalInfo": "Bank@Post facility available.  Minimum deposit of $20, maximum deposit of $8,000, minimum withdrawal of $20, maximum withdrawal of $2,000."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Electronic or paper statements available"
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalValue": "Internet, Mobile and Phone banking available",
        "additionalInfo": "Cancel or place your card on hold or Block online, international, in-store or all card payments in our Mobile Banking App"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Periodic payments and direct debit available"
      },
      {
        "featureType": "BILL_PAYMENT",
        "additionalValue": "BPAY available"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Sweep facility available"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Google Pay, Samsung Pay, Fitbit Pay, Garmin Pay, Apple Pay",
        "additionalInfoUri": "https://www.heritage.com.au/ways-to-bank"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Visa emergency services available"
      },
      {
        "featureType": "CARD_ACCESS",
        "additionalValue": "Visa credit card"
      },
      {
        "featureType": "INTEREST_FREE",
        "additionalValue": "P40D",
        "additionalInfo": " If Purchase Transactions made on your account may be eligible for an interest free period, then to be eligible for that interest free period you must pay your Closing Balance as shown on your most recent statement in full by the applicable Due Date. If you do not pay your Closing Balance in full by the applicable Due Date, then your outstanding balance of Purchase Transactions shown on the most recent statement will attract interest as per Section 8. Interest. of the Guide to Heritage Credit Card Products. ",
        "additionalInfoUri": "https://www.heritage.com.au/inbound/brochures/guide-to-credit-cards"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "SMS Sevices"
      },
      {
        "featureType": "LOYALTY_PROGRAM",
        "additionalValue": "Heritage Credits is Heritage's loyalty program"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Business Credit Cards can be issued to business owners and their employees to pay for monthly fuel, accommodation and other business expenses"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Allows personal and business expenses to be kept separate"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Convenience to take care of business expenses without having to carry cheques and petty cash"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Individual monthly spend limits are set by the business owner"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Multiple credit cards are issued under one overall approved limit, but each card has an individual spend limit"
      },
      {
        "featureType": "OTHER",
        "additionalValue": "Monthly repayment at 3% of balance or $30, whichever is greater",
        "additionalInfo": " Minimum repayment based on percentage of outstanding balance is 3% or $30.00 whichever is the greater, plus overlimit or past due amounts."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Visa Zero Liability Policy",
        "additionalInfoUri": "https://www.visa.com.au/pay-with-visa/security/zero-liability.html"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "24/7  Visa Global Customer Assistance Service -  access to emergency cash disbursement worldwide. Cash disbursement must be within the available credit limit of your card. (Fees and limits may apply).",
        "additionalInfoUri": "https://www.visa.com.au/travel-with-visa/travel-support.html"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Select your own Pin"
      }
    ],
    "constraints": [
      {
        "constraintType": "MIN_LIMIT",
        "additionalValue": "1000.00",
        "additionalInfo": "Minimum limit per individual card of 500.00"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "18"
      }
    ],
    "fees": [
      {
        "name": "Emergency Card Fee- Outside Australia",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "200.00"
        },
        "additionalInfo": "Whenever a replacement card is requested to be delivered within 5 days"
      },
      {
        "name": "Emergency card replacement fee- within Australia",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "25.00"
        },
        "additionalInfo": "Whenever a replacement card is requested to be delivered within 5 days"
      },
      {
        "name": "Overseas currency conversion fee",
        "feeType": "TRANSACTION",
        "feeMethodUType": "rateBased",
        "rateBased": {
          "rateType": "TRANSACTION",
          "rate": "0.03"
        },
        "additionalInfo": "Fee is calculated on the Australian dollar amount of the transaction"
      },
      {
        "name": "Annual fee",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "45.00"
        },
        "additionalValue": "P1Y",
        "additionalInfo": "Charge per card"
      },
      {
        "name": "Cash Advance Fee",
        "feeType": "TRANSACTION",
        "feeMethodUType": "rateBased",
        "rateBased": {
          "rateType": "TRANSACTION",
          "rate": "0.02"
        },
        "additionalValue": "2% of the withdrawal amount (minimum fee of $2.50). (Other fees may also be applicable for certain cash advance transactions). Transactions performed in a currency other than Australian Dollar (AUD) also have Overseas Currency Conversion Fee charged. Withdrawal transactions performed on your Credit Card account through a Bank@Post agency will also include a Bank@Post Cash Withdrawal Fee.",
        "additionalInfo": "Cash Advance Fee applies whenever one of the following transactions are performed; Cash withdrawal, cheque withdrawal, periodic payment, direct debit, manual transfer or debit transfer counter transactions at a Heritage Branch; ATM/EFTPOS cash withdrawal or transfer within Australia or overseas*; Cash withdrawal over the counter at another financial institution (domestically or overseas*); Heritage Access Line Transfer; Heritage Online transfer (including payments made by Mobile Banking and New Payments Platform transfers) and withdrawals through Bank@Post (including purchase withdrawals with a cash out component). Other fees may also be applicable for certain cash advance transactions."
      },
      {
        "name": "Overseas ATM or counter withdrawals (Visa)",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.00"
        },
        "additionalInfo": "Overseas currency conversion fee is added to base fee"
      },
      {
        "name": "Replacement Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.00"
        },
        "additionalValue": "Second and subsequent cards",
        "additionalInfo": "Whenever a replacement card is requested. In each successive 12 month period"
      },
      {
        "name": "Statement replacement fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "7.50"
        },
        "additionalInfo": "Whenever a copy of a previous statement is requested"
      },
      {
        "name": "Direct Debit Dishonour fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.00"
        },
        "additionalInfo": "If a direct debit authorised to be made from or to your account is dishonoured"
      },
      {
        "name": "Document/Record Search Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "12.00"
        },
        "additionalInfo": "Whenever we provide a copy of a document relating to your card account at your request"
      },
      {
        "name": "Manual Transfer Fee- Heritage account",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "2.50"
        },
        "additionalInfo": "Whenever we manually transfer funds from your card account."
      },
      {
        "name": "Manual Transfer Fee-External Payee",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "4.00"
        },
        "additionalInfo": "Whenever we manually transfer funds from your card account to another financial institution including a People's Choice branded account."
      },
      {
        "name": "Sweep Fee",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "2.00"
        },
        "additionalInfo": "Whenever you place a sweep on your card account to allow funds to be drawn from it and transferred to another Heritage account to meet drawings on that other account."
      },
      {
        "name": "Periodical Payment",
        "feeType": "PAYMENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "3.00"
        },
        "additionalValue": "for each occurrence of the payment",
        "additionalInfo": "To another financial institution or BPAY - Set up by Heritage staff member"
      },
      {
        "name": "Periodical Payment",
        "feeType": "PAYMENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "additionalInfo": "To another Heritage account"
      },
      {
        "name": "Default fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "20.00"
        },
        "additionalInfo": "If a payment remains outstanding after its due date"
      },
      {
        "name": "Overlimit Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.00"
        },
        "additionalValue": "If the overdrawn amount is at least $15.00",
        "additionalInfo": "Charged per dat on the date of any debit, other than for fees and charges or interest, to your facility account which causes an overdrawing or further overdrawing."
      },
      {
        "name": "SMS Banking- SMS Alerts",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.25"
        },
        "additionalValue": "each SMS alert",
        "additionalInfo": "If an SMS alert is delivered by SMS to your mobile phone"
      },
      {
        "name": "Additional Statement Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "1.00"
        },
        "additionalInfo": "For the second and each subsequent statement issued during a month, or when a statement is issued on your facility account at your request at any time before the next statement issuing date."
      },
      {
        "name": "Transaction Listing Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.00"
        },
        "additionalValue": "Per page",
        "additionalInfo": "When a transaction listing between two given dates is issued on your facility account"
      },
      {
        "name": "Heritage on-line business internet banking payroll and creditor batch payments",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.05"
        },
        "additionalValue": "plus GST per payment in a batch"
      },
      {
        "name": "Heritage on-line business internet banking account recconciliation",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.05"
        },
        "additionalValue": "plus GST per entry"
      },
      {
        "name": "Heritage on-line business internet banking security token fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "50.00"
        },
        "additionalValue": "per token each 3 years (including placement tokens)"
      },
      {
        "name": "Audit certificate fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "15.00"
        },
        "additionalValue": "per certificate"
      },
      {
        "name": "Paper Based Statement Fee",
        "feeType": "OTHER",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "3.00"
        },
        "additionalInfo": "Fee is charged for each paper statement issued as per your account statement cycle. Excludes eStatements which are free of charge.",
        "additionalInfoUri": "https://www.heritage.com.au/-/media/m/publications/brochures/sv030---fees-and-limits-guide.pdf?rev=bd133dd2466649bdbc48fd6676828ba5"
      }
    ],
    "lendingRates": [
      {
        "rate": "0.1295",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "Business Unsecured",
        "additionalInfo": "Interest rates are on a per annum basis.",
        "lendingRateType": "PURCHASE",
        "repaymentType": "OTHER",
        "loanPurpose": "OTHER"
      },
      {
        "rate": "0.1295",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "Business Unsecured",
        "additionalInfo": "Interest rates are on a per annum basis.",
        "lendingRateType": "CASH_ADVANCE",
        "repaymentType": "OTHER",
        "loanPurpose": "OTHER"
      }
    ]
  }
}