{
  "snapshot_at": "2026-10-24T09:58:09Z",
  "brand": "RSL Money",
  "brand_slug": "rsl-money",
  "product_id": "9d1bd433-1c09-47dd-8841-a68e1dc715d1",
  "cdr_url": "https://public.open.rslmoney.com.au/cds-au/v1/banking/products/9d1bd433-1c09-47dd-8841-a68e1dc715d1",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://public.open.rslmoney.com.au/cds-au/v1/banking/products/9d1bd433-1c09-47dd-8841-a68e1dc715d1'",
  "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": {
    "brand": "RSL",
    "description": "With a low annual fee and a low ongoing interest rate for purchases, the Low Rate Visa Credit Card is the only credit card you'll ever need.\nPlus, with our competitive 12-month balance transfer rate, you can also transfer your outstanding balances from other credit or store cards to RSL Money for 0.00% p.a (introductory rate). ",
    "isTailored": false,
    "lastUpdated": "2026-09-30T14:00:00.404281Z",
    "name": "Low Rate Visa Credit Card",
    "productCategory": "CRED_AND_CHRG_CARDS",
    "productId": "9d1bd433-1c09-47dd-8841-a68e1dc715d1",
    "additionalInformation": {
      "overviewUri": "https://www.rslmoney.com.au/credit-card/low-rate-visa-card",
      "termsUri": "https://www.rslmoney.com.au/disclosuredocuments",
      "eligibilityUri": "https://www.rslmoney.com.au/disclosuredocuments",
      "feesAndPricingUri": "https://www.rslmoney.com.au/disclosuredocuments",
      "bundleUri": null,
      "additionalOverviewUris": null,
      "additionalTermsUris": null,
      "additionalEligibilityUris": null,
      "additionalFeesAndPricingUris": null,
      "additionalBundleUris": null
    },
    "applicationUri": "https://www.rslmoney.com.au/contact",
    "brandName": "RSL Money Prod",
    "brandGroup": null,
    "cardArt": [
      {
        "imageUri": "https://www.australianmilitarybank.com.au/sites/default/files/RSLCredit.png",
        "title": "VISA Credit",
        "cardScheme": "VISA",
        "cardType": "DEBIT"
      }
    ],
    "effectiveFrom": null,
    "effectiveTo": null,
    "bundles": [],
    "constraints": [
      {
        "constraintType": "MAX_LIMIT",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": "50000.00"
      },
      {
        "constraintType": "MIN_LIMIT",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": "2000.00"
      }
    ],
    "depositRates": [],
    "eligibility": [
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Only RSL Sub Branch members can apply for this account",
        "additionalInfoUri": null,
        "additionalValue": null
      },
      {
        "eligibilityType": "MIN_AGE",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": "18"
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": "Individuals must be citizens or permanent residents of Australia."
      },
      {
        "eligibilityType": "EMPLOYMENT_STATUS",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": "Applicants must be currently employed or receiving a regular income."
      }
    ],
    "features": [
      {
        "featureType": "CARD_ACCESS",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": "Visa Credit with payWave"
      },
      {
        "featureType": "ADDITIONAL_CARDS",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": null
      },
      {
        "featureType": "BILL_PAYMENT",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": null
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": null
      },
      {
        "featureType": "INTEREST_FREE_TRANSFERS",
        "additionalInfo": "0.00% p.a.12 months introductory balance transfer rate. Reverts to purchase rate after that period. Balance transfer offer (including interest rate and term) applies to approved requests made at the time of application.",
        "additionalInfoUri": null,
        "additionalValue": "P12M"
      },
      {
        "featureType": "NOTIFICATIONS",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": "Members can set up a variety of notifications in Internet Banking"
      },
      {
        "featureType": "INTEREST_FREE",
        "additionalInfo": "You may receive up to 55 days interest free period for purchases provided you continue to pay your closing balance in full on or before every statement due date.",
        "additionalInfoUri": null,
        "additionalValue": "P55D"
      }
    ],
    "fees": [
      {
        "feeType": "EVENT",
        "name": "Cash advance fee",
        "additionalInfo": "$4.50 per ATM or cash out withdrawal or internal/external transfer.\nThere may be an additional direct fee charged by third party ATM operators which will be displayed on the ATM screen. You will only be charged this additional fee if you accept and proceed with the transaction.",
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "4.50"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EVENT",
        "name": "Visa card replacement processing fee",
        "additionalInfo": "At cost ",
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "variable",
        "fixedAmount": null,
        "rateBased": null,
        "variable": {
          "feeMinimum": "20.00",
          "feeMaximum": null
        },
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EVENT",
        "name": "Audit Certificate Fee",
        "additionalInfo": "Per audit certificate requested",
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "50.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "PERIODIC",
        "name": "Paper statement fee (per statement)",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": "P1M",
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "2.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EVENT",
        "name": "Paper statements printed at branch or posted",
        "additionalInfo": "per page. $2.50 if printed at branch, $5 if posted",
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "variable",
        "fixedAmount": null,
        "rateBased": null,
        "variable": {
          "feeMinimum": "2.50",
          "feeMaximum": "5.00"
        },
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "PERIODIC",
        "name": "Annual fee - credit card",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": "P1Y",
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "49.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "TRANSACTION",
        "name": "Foreign Currency Conversion fee",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "rateBased",
        "fixedAmount": null,
        "rateBased": {
          "rateType": "TRANSACTION",
          "rate": "0.03",
          "accrualFrequency": null,
          "amountRange": null
        },
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EVENT",
        "name": "Declined Visa dispute",
        "additionalInfo": "If a Visa dispute lodged by you is declined and found that the claim was invalid",
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "30.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EVENT",
        "name": "Late payment fee - credit card",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EVENT",
        "name": "Archive retrieval fee",
        "additionalInfo": "Per hour fee applies plus any expenses incurred",
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "variable",
        "fixedAmount": null,
        "rateBased": null,
        "variable": {
          "feeMinimum": "50.00",
          "feeMaximum": null
        },
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EVENT",
        "name": "Default notice fee",
        "additionalInfo": "Payable when a notice is issued regarding a default under the credit card contract",
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "30.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "WITHDRAWAL",
        "name": "Overseas ATM withdrawals",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "4.50"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EVENT",
        "name": "Arrears notice fee",
        "additionalInfo": "2nd and subsequent reminders by letter or phone",
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "20.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "FIXED",
        "rate": "0.00",
        "additionalInfo": "Introductory balance transfer rate: 0.00% p.a. for 12 months",
        "additionalInfoUri": null,
        "additionalValue": "P12M",
        "applicationFrequency": null,
        "calculationFrequency": null,
        "comparisonRate": null,
        "interestPaymentDue": null,
        "loanPurpose": "UNCONSTRAINED",
        "repaymentType": "UNCONSTRAINED",
        "tiers": [],
        "applicabilityConditions": [],
        "applicationType": "PERIODIC"
      },
      {
        "lendingRateType": "PURCHASE",
        "rate": "0.1199",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": null,
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D",
        "comparisonRate": null,
        "interestPaymentDue": null,
        "loanPurpose": "UNCONSTRAINED",
        "repaymentType": "UNCONSTRAINED",
        "tiers": [],
        "applicabilityConditions": [],
        "applicationType": "PERIODIC"
      },
      {
        "lendingRateType": "CASH_ADVANCE",
        "rate": "0.1999",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": null,
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D",
        "comparisonRate": null,
        "interestPaymentDue": null,
        "loanPurpose": "UNCONSTRAINED",
        "repaymentType": "UNCONSTRAINED",
        "tiers": [],
        "applicabilityConditions": [],
        "applicationType": "PERIODIC"
      }
    ],
    "instalments": null
  }
}