{
  "snapshot_at": "2026-11-07T23:42:58Z",
  "brand": "Qantas Money Credit Cards",
  "brand_slug": "qantas-money-credit-cards",
  "product_id": "9da83225-c177-4d60-9475-fb0d2c7a74b4",
  "cdr_url": "https://api.openbanking.qantasmoney.com/cds-au/v1/banking/products/9da83225-c177-4d60-9475-fb0d2c7a74b4",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://api.openbanking.qantasmoney.com/cds-au/v1/banking/products/9da83225-c177-4d60-9475-fb0d2c7a74b4'",
  "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": "9da83225-c177-4d60-9475-fb0d2c7a74b4",
    "effectiveFrom": "2020-09-01T00:00:00Z",
    "lastUpdated": "2026-11-02T00:12:00Z",
    "productCategory": "CRED_AND_CHRG_CARDS",
    "name": "Qantas Money Platinum Credit Card",
    "description": "The Product is a rewards credit card that provides individuals with a line of credit facility, the ability to earn Qantas Frequent Flyer Points (Qantas Points) and access to ancillary Qantas benefits and complimentary travel insurance, with up to 44 days interest free on retail purchases and an annual fee.",
    "brand": "Qantas Money",
    "brandName": "Qantas Money Credit Cards",
    "applicationUri": "https://www.qantasmoney.com/credit-cards",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.qantasmoney.com/credit-cards/platinum",
      "termsUri": "https://qantasmoney.com/terms-and-forms",
      "eligibilityUri": "https://www.qantasmoney.com/credit-cards/platinum",
      "feesAndPricingUri": "https://www.qantasmoney.com/credit-cards/platinum#fees-rates"
    },
    "cardArt": [
      {
        "cardScheme": "MASTERCARD",
        "cardType": "CREDIT",
        "imageUri": "https://www.qantasmoney.com/credit-cards"
      }
    ],
    "features": [
      {
        "featureType": "ADDITIONAL_CARDS",
        "additionalValue": "4",
        "additionalInfoUri": "https://www.qantasmoney.com/credit-cards/platinum/fees-and-rates"
      },
      {
        "featureType": "UNLIMITED_TXNS"
      },
      {
        "featureType": "BALANCE_TRANSFERS",
        "additionalValue": "Eligibility criteria and terms and conditions apply",
        "additionalInfoUri": "https://www.qantasmoney.com/credit-cards/platinum/fees-and-rates"
      },
      {
        "featureType": "INTEREST_FREE",
        "additionalValue": "P44D",
        "additionalInfoUri": "https://www.qantasmoney.com/credit-cards/platinum/fees-and-rates"
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "Qantas Money Credit Cards Online",
        "additionalInfoUri": "https://www.qantasmoney.com/app"
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "Qantas Money Credit Cards App",
        "additionalInfoUri": "https://www.qantasmoney.com/app"
      },
      {
        "featureType": "COMPLEMENTARY_PRODUCT_DISCOUNTS",
        "additionalValue": "2x Complimentary Lounge Invitations",
        "additionalInfoUri": "https://www.qantasmoney.com/credit-cards/platinum/features-and-benefits"
      },
      {
        "featureType": "COMPLEMENTARY_PRODUCT_DISCOUNTS",
        "additionalValue": "Discounted Companion Fares",
        "additionalInfoUri": "https://www.qantasmoney.com/credit-cards/platinum/features-and-benefits"
      },
      {
        "featureType": "INSURANCE",
        "additionalValue": "Complimentary Travel Insurance",
        "additionalInfoUri": "https://www.qantasmoney.com/credit-cards/platinum/features-and-benefits"
      },
      {
        "featureType": "LOYALTY_PROGRAM",
        "additionalValue": "Qantas Frequent Flyer",
        "additionalInfoUri": "https://www.qantasmoney.com/credit-cards/platinum#earning-qantas-points"
      },
      {
        "featureType": "OTHER",
        "additionalValue": " ",
        "additionalInfo": "Concierge service",
        "additionalInfoUri": "https://www.qantasmoney.com/credit-cards/platinum/features-and-benefits"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Contactless payments using Apple Pay & Google Pay",
        "additionalInfoUri": "https://www.qantasmoney.com/digital-wallet"
      },
      {
        "featureType": "FRAUD_PROTECTION",
        "additionalInfo": "MasterCard Zero Liability",
        "additionalInfoUri": "https://www.qantasmoney.com/credit-cards/platinum/features-and-benefits"
      },
      {
        "featureType": "INSTALMENT_PLAN",
        "additionalValue": "Eligibility criteria and terms and conditions apply",
        "additionalInfoUri": "https://www.qantasmoney.com/credit-cards/instalment-plans"
      }
    ],
    "constraints": [
      {
        "constraintType": "MAX_LIMIT",
        "additionalValue": "100000.00"
      },
      {
        "constraintType": "MIN_LIMIT",
        "additionalValue": "6000.00"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "18",
        "additionalInfoUri": "https://www.qantasmoney.com/credit-cards"
      },
      {
        "eligibilityType": "MIN_INCOME",
        "additionalValue": "35000.00",
        "additionalInfoUri": "https://www.qantasmoney.com/credit-cards"
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "Must be a permanent Australian resident",
        "additionalInfoUri": "https://www.qantasmoney.com/credit-cards"
      },
      {
        "eligibilityType": "NATURAL_PERSON"
      },
      {
        "eligibilityType": "OTHER",
        "additionalValue": "Must have Australian mobile",
        "additionalInfo": "Must have Australian mobile",
        "additionalInfoUri": "https://www.qantasmoney.com/credit-cards"
      },
      {
        "eligibilityType": "OTHER",
        "additionalValue": "Must have Australian residential address",
        "additionalInfo": "Must have Australian residential address",
        "additionalInfoUri": "https://www.qantasmoney.com/credit-cards"
      },
      {
        "eligibilityType": "OTHER",
        "additionalValue": "Must be a Qantas Frequent Flyer member",
        "additionalInfo": "You must be a Qantas Frequent Flyer member.",
        "additionalInfoUri": "https://www.qantasmoney.com/credit-cards"
      }
    ],
    "fees": [
      {
        "name": "Annual Fee",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "399.00"
        },
        "currency": "AUD",
        "additionalValue": "P1Y",
        "additionalInfo": "$349 first year only",
        "additionalInfoUri": "https://www.qantasmoney.com/credit-cards/platinum/fees-and-rates"
      },
      {
        "name": "Additional Cardholder Fee",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "50.00"
        },
        "currency": "AUD",
        "additionalValue": "P1Y",
        "additionalInfoUri": "https://www.qantasmoney.com/credit-cards/platinum/fees-and-rates"
      },
      {
        "name": "Late Payment Fee",
        "feeType": "LATE_PAYMENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "30.00"
        },
        "currency": "AUD",
        "additionalValue": "2",
        "additionalInfo": "Each time we do not receive the Minimum Payment Due and any Overdue Amount by the payment due date, debited to your Account after the payment due date. The Minimum Payment Due, any Overdue Amount, and payment due date are detailed on your statement of account.",
        "additionalInfoUri": "https://www.qantasmoney.com/credit-cards/platinum/fees-and-rates"
      },
      {
        "name": "Domestic Cash Advance Fee",
        "feeType": "CASH_ADVANCE",
        "feeMethodUType": "rateBased",
        "rateBased": {
          "rateType": "TRANSACTION",
          "rate": "0.03",
          "amountRange": {
            "feeMinimum": "3.00"
          }
        },
        "currency": "AUD",
        "additionalInfo": "$3.00 per transaction or 3% of the transaction amount whichever is higher",
        "additionalInfoUri": "https://www.qantasmoney.com/credit-cards/platinum/fees-and-rates"
      },
      {
        "name": "International Cash Advance Fee",
        "feeType": "CASH_ADVANCE",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.00"
        },
        "currency": "AUD",
        "additionalInfo": "$5 per transaction\r\nFor a Cash Advance outside Australia, debited to your Account on the date the Cash Advance takes place. This fee is in addition to any International Transaction Fee.",
        "additionalInfoUri": "https://www.qantasmoney.com/credit-cards/platinum/fees-and-rates"
      },
      {
        "name": "International Transaction Fee",
        "feeType": "TRANSACTION",
        "feeMethodUType": "rateBased",
        "rateBased": {
          "rateType": "TRANSACTION",
          "rate": "0.03"
        },
        "currency": "AUD",
        "additionalInfo": "3% of the transaction amount when you make any purchase or cash advance",
        "additionalInfoUri": "https://www.qantasmoney.com/credit-cards/platinum/fees-and-rates"
      },
      {
        "name": "Over-the-Counter Transaction Fee",
        "feeType": "PAYMENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "2.50"
        },
        "currency": "AUD",
        "additionalInfo": "$2.50 when you make a payment at an Australia Post outlet",
        "additionalInfoUri": "https://www.qantasmoney.com/credit-cards/platinum/fees-and-rates"
      },
      {
        "name": "Paper Statement Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "2.00"
        },
        "currency": "AUD",
        "additionalInfo": "$2 for each paper statement we send you",
        "additionalInfoUri": "https://www.qantasmoney.com/credit-cards/platinum/fees-and-rates"
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "PURCHASE",
        "rate": "0.2099",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "repaymentType": "OTHER",
        "loanPurpose": "OTHER",
        "additionalInfo": "Retail Purchase Rate"
      },
      {
        "lendingRateType": "CASH_ADVANCE",
        "rate": "0.2199",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "repaymentType": "OTHER",
        "loanPurpose": "OTHER",
        "additionalInfo": "Cash Advance Rate"
      }
    ],
    "instalments": {
      "minimumPlanValue": "50.00",
      "minimumSplit": 3,
      "maximumSplit": 60
    }
  }
}