{
  "snapshot_at": "2026-11-12T02:36:02Z",
  "brand": "Queensland Country Bank",
  "brand_slug": "queensland-country-bank",
  "product_id": "13",
  "cdr_url": "https://public.cdr-api.queenslandcountry.bank/cds-au/v1/banking/products/13",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://public.cdr-api.queenslandcountry.bank/cds-au/v1/banking/products/13'",
  "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": "13",
    "effectiveFrom": "2015-06-30T14:30:00.0000000Z",
    "lastUpdated": "2026-11-12T02:00:23.5726091Z",
    "productCategory": "CRED_AND_CHRG_CARDS",
    "name": "Visa Credit",
    "description": "Our Visa Credit Card comes with a competitive low interest rate, low annual fee and up to 55 days interest free on purchases and BPAY if you pay your card in full by the due date",
    "brand": "Queensland Country Bank",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.queenslandcountry.bank/Banking/credit-cards/Visa-My-Rewards-Credit-Card/",
      "termsUri": "https://www.queenslandcountry.bank/siteassets/documents/brochures/brochure_account-access-facility.pdf",
      "feesAndPricingUri": "https://www.queenslandcountry.bank/siteassets/documents/brochures/brochure_fees-charges.pdf"
    },
    "cardArt": [
      {
        "cardScheme": "VISA",
        "cardType": "CREDIT",
        "title": "Grey Credit Card",
        "imageUri": "https://www.queenslandcountry.bank/siteassets/images/product-pages/card-designs/visacredit-grey.jpg"
      },
      {
        "cardScheme": "VISA",
        "cardType": "CREDIT",
        "title": "Orange Credit Card",
        "imageUri": "https://www.queenslandcountry.bank/siteassets/images/product-pages/card-designs/visacredit-orange.jpg"
      }
    ],
    "features": [
      {
        "featureType": "ADDITIONAL_CARDS"
      },
      {
        "featureType": "CARD_ACCESS",
        "additionalValue": "Visa Credit Card"
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "24/7 mobile and internet banking access"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "APPLE PAY",
        "additionalInfo": "Pay faster, easier and more securely with Apple Pay. Apple Pay eligibility restrictions may apply."
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "GOOGLE PAY",
        "additionalInfo": "Pay faster, easier and more securely with Google Pay. Google Pay eligibility restrictions may apply."
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "SAMSUNG PAY",
        "additionalInfo": "Pay faster, easier and more securely with Samsung Pay. Samsung Pay eligibility restrictions may apply."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "A low competitive interest rate on both purchases and cash advances"
      },
      {
        "featureType": "UNLIMITED_TXNS"
      },
      {
        "featureType": "BALANCE_TRANSFERS",
        "additionalInfo": "Balance transfers can be made to the account"
      },
      {
        "featureType": "INTEREST_FREE",
        "additionalValue": "P55D",
        "additionalInfo": "Up to 55 days interest free on purchases and BPAY if you pay your card in full by the due date"
      }
    ],
    "constraints": [
      {
        "constraintType": "MAX_LIMIT",
        "additionalValue": "60000.00"
      },
      {
        "constraintType": "MIN_LIMIT",
        "additionalValue": "500.00"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "18"
      },
      {
        "eligibilityType": "NATURAL_PERSON"
      }
    ],
    "fees": [
      {
        "name": "Overseas Purchase Fee",
        "feeType": "TRANSACTION",
        "feeMethodUType": "rateBased",
        "rateBased": {
          "rateType": "TRANSACTION",
          "rate": "0.0365",
          "amountRange": {}
        },
        "currency": "AUD"
      },
      {
        "name": "Disputed Transaction Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "35.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Direct Entry Recall of Funds",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "40.00"
        },
        "currency": "AUD",
        "additionalInfo": "Applies to Direct Debit, Direct Credit and OSKO payments"
      },
      {
        "name": "DE Mistaken Payment Return Req",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "50.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Honour Charge",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "8.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Dishonour Insuff. Funds",
        "feeType": "DISHONOUR",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "8.00"
        },
        "currency": "AUD"
      },
      {
        "name": "RTGS Payment Received Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "7.20"
        },
        "currency": "AUD"
      },
      {
        "name": "Other Service Fees",
        "feeType": "OTHER",
        "feeMethodUType": "variable",
        "variable": {},
        "currency": "AUD",
        "additionalInfo": "Refer to our Fees and Charges brochure for information on other transactions which may attract fees and charges",
        "additionalInfoUri": "https://www.queenslandcountry.bank/siteassets/documents/brochures/brochure_fees-charges.pdf"
      },
      {
        "name": "Arrears Letter - Second Arrears Letter",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "40.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Arrears Letter Fee - Default Notice prior to Enforcement",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "70.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Overlimit Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "30.00"
        },
        "currency": "AUD",
        "discounts": [
          {
            "description": "100% waived when the Overlimit amount <= $50.000000",
            "discountType": "BALANCE",
            "discountMethodUType": "rateBased",
            "rateBased": {
              "rateType": "FEE",
              "rate": "1.0",
              "amountRange": {}
            },
            "additionalValue": "50.00"
          }
        ]
      },
      {
        "name": "Visa Annual Fee",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "39.00"
        },
        "currency": "AUD",
        "additionalValue": "P1Y",
        "additionalInfo": "Annual Fee charged on commencement and annually on anniversary of the commencement date",
        "discounts": [
          {
            "description": "Another eligibility criteria exists as described in the additionalInfo field",
            "discountType": "ELIGIBILITY_ONLY",
            "discountMethodUType": "rateBased",
            "rateBased": {
              "rateType": "FEE",
              "rate": "1.0",
              "amountRange": {}
            },
            "eligibility": [
              {
                "discountEligibilityType": "OTHER",
                "additionalInfo": "Annual Visa Card fee is waived under our Ultimate Home Loan Package"
              }
            ]
          }
        ]
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "BALANCE_TRANSFER",
        "rate": "0.1499",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "OTHER",
        "loanPurpose": "OTHER"
      },
      {
        "lendingRateType": "CASH_ADVANCE",
        "rate": "0.1499",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "OTHER",
        "loanPurpose": "OTHER"
      },
      {
        "lendingRateType": "PURCHASE",
        "rate": "0.1499",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "OTHER",
        "loanPurpose": "OTHER"
      }
    ]
  }
}