{
  "snapshot_at": "2026-11-12T02:36:02Z",
  "brand": "Queensland Country Bank",
  "brand_slug": "queensland-country-bank",
  "product_id": "19",
  "cdr_url": "https://public.cdr-api.queenslandcountry.bank/cds-au/v1/banking/products/19",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://public.cdr-api.queenslandcountry.bank/cds-au/v1/banking/products/19'",
  "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": "19",
    "effectiveFrom": "2015-06-30T14:30:00.0000000Z",
    "lastUpdated": "2026-11-12T02:00:23.5726091Z",
    "productCategory": "CRED_AND_CHRG_CARDS",
    "name": "Visa Business My Rewards",
    "description": "Our Business 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, and is linked to our free rewards program, Business Rewarder",
    "brand": "Queensland Country Bank",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.queenslandcountry.bank/business-banking/business-finance/business-visa-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": "Business My Rewards Credit Card",
        "imageUri": "https://www.queenslandcountry.bank/siteassets/images/product-pages/card-designs/visabusiness-reward.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.\r\n"
      },
      {
        "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": "LOYALTY_PROGRAM",
        "additionalValue": "An automatic inclusion to our rewards program that gives you the choice of where to spend your rewards points",
        "additionalInfo": "Reward dollars are earned on eligible purchases."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "A low competitive interest rate on both purchases and cash advances"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Ability to set monthly spend limits for individual cardholders"
      },
      {
        "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": "MIN_LIMIT",
        "additionalValue": "500.00"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "BUSINESS"
      }
    ],
    "fees": [
      {
        "name": "Overseas Purchase Fee",
        "feeType": "TRANSACTION",
        "feeMethodUType": "rateBased",
        "rateBased": {
          "rateType": "TRANSACTION",
          "rate": "0.0365",
          "amountRange": {}
        },
        "currency": "AUD",
        "additionalInfo": "Charged as a percentage of the foreign currency transaction value"
      },
      {
        "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": "Document Fee",
        "feeType": "OTHER",
        "feeMethodUType": "variable",
        "variable": {},
        "currency": "AUD",
        "additionalInfo": "Price on Application"
      },
      {
        "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": "Transaction Investigation Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "15.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Overlimit Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "30.00"
        },
        "currency": "AUD",
        "discounts": [
          {
            "description": "On a fee for maintaining a set balance",
            "discountType": "BALANCE",
            "discountMethodUType": "rateBased",
            "rateBased": {
              "rateType": "FEE",
              "rate": "1.0",
              "amountRange": {}
            },
            "additionalValue": "50.00"
          }
        ]
      },
      {
        "name": "Business Visa Annual Fee",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "85.00"
        },
        "currency": "AUD",
        "additionalValue": "P1Y",
        "additionalInfo": "Annual Fee charged on commencement and annually on anniversary of the commencement date",
        "discounts": [
          {
            "description": "A business or other non-person legal entity",
            "discountType": "ELIGIBILITY_ONLY",
            "discountMethodUType": "rateBased",
            "rateBased": {
              "rateType": "FEE",
              "rate": "1.0",
              "amountRange": {}
            },
            "eligibility": [
              {
                "discountEligibilityType": "BUSINESS"
              }
            ]
          }
        ]
      }
    ],
    "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"
      }
    ]
  }
}