{
  "snapshot_at": "2026-10-30T00:01:17Z",
  "brand": "St.George Bank",
  "brand_slug": "st-george-bank",
  "product_id": "STGCCBusBusinessVantage",
  "cdr_url": "https://digital-api.stgeorge.com.au/cds-au/v1/banking/products/STGCCBusBusinessVantage",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://digital-api.stgeorge.com.au/cds-au/v1/banking/products/STGCCBusBusinessVantage'",
  "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": "STGCCBusBusinessVantage",
    "lastUpdated": "2026-10-29T01:03:02Z",
    "productCategory": "CRED_AND_CHRG_CARDS",
    "name": "Business Vantage",
    "description": "A low interest rate on purchases to help manage your business cash flow",
    "brand": "St. George Bank",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.stgeorge.com.au/business/credit-card/low-rate",
      "termsUri": "https://www.stgeorge.com.au/content/dam/stg/downloads/accounts_and_cards/STG_Business_Vantage_Credit_Card_Complimentary_Insurance_Allianz.pdf",
      "eligibilityUri": "https://www.stgeorge.com.au/business/credit-card/low-rate",
      "feesAndPricingUri": "https://www.stgeorge.com.au/content/dam/stg/downloads/accounts_and_cards/stg-cc-fee-charges.pdf"
    },
    "cardArt": [
      {
        "cardScheme": "VISA",
        "cardType": "CREDIT",
        "title": "BusinessVantage credit card",
        "imageUri": "https://www.stgeorge.com.au/content/dam/stg/images/business/credit-cards/BusinessVantage-Credit-Card_261x166.jpg"
      }
    ],
    "features": [
      {
        "featureType": "ADDITIONAL_CARDS",
        "additionalValue": "99",
        "additionalInfo": "Up to 100 cards: Keep your business organised with up to 99 additional cardholders with individual card limits."
      },
      {
        "featureType": "INSURANCE",
        "additionalValue": "Complimentary insurance: Get covered for the basics with complimentary insurance against unauthorised transactions.",
        "additionalInfoUri": "https://www.stgeorge.com.au/content/dam/stg/downloads/accounts_and_cards/STG_Business_Vantage_Credit_Card_Complimentary_Insurance_Allianz.pdf"
      },
      {
        "featureType": "INTEREST_FREE",
        "additionalValue": "P55D",
        "additionalInfo": "55 interest free days: Up to 55 days interest free on purchases when you pay the closing balance by statement due date each month."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Easier expense reporting: Detailed statements help to monitor and manage your expenses with optional consolidated summaries by department and division."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Available for Businesses: Available for many business structures including sole traders, companies, incorporated associations, partnerships and trusts."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Competitive rates: Enjoy a low rate of 9.99% p.a. (variable) on purchases (new cards only) and 17.15% p.a. (variable) on cash advances."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "We will send you and the Principal a monthly statement at the nominated mailing address (not always on the same day of each month) for the card account. However, we need not send a statement under certain criteria. Please see T&C document for more details"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Automatic Payment Plan: If the principal has an Automatic Payment Plan, we debit the payment specified on statement to the account selected for debiting under the Plan. We debit the payment 25 days after the statement date (or if that is not a banking day, then the next banking day)."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Credit card payments can be paid via Phone banking, Internet banking, BPAY."
      },
      {
        "featureType": "EXTRA_REPAYMENTS",
        "additionalInfo": "The product has EXTRA_REPAYMENTS option available."
      },
      {
        "featureType": "FRAUD_PROTECTION",
        "additionalInfo": "The product includes FRAUD_PROTECTION features."
      },
      {
        "featureType": "RELATIONSHIP_MANAGEMENT",
        "additionalInfo": "RELATIONSHIP_MANAGEMENT is available for eligible customers."
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "18",
        "additionalInfo": "Are at least 18 years of age"
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "Are a permanent resident"
      },
      {
        "eligibilityType": "BUSINESS",
        "additionalInfo": "Intend to use the card predominantly for business expenditure"
      },
      {
        "eligibilityType": "BUSINESS",
        "additionalInfo": "Should have business registered in Australia"
      }
    ],
    "fees": [
      {
        "name": "Card Fee",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "55.00"
        },
        "additionalValue": "P1Y",
        "additionalInfo": "Per card."
      },
      {
        "name": "Foreign Transaction Fee",
        "feeType": "TRANSACTION",
        "feeMethodUType": "rateBased",
        "rateBased": {
          "rateType": "TRANSACTION",
          "rate": "0.03"
        },
        "additionalInfo": "3% of the Australian dollar value of any Foreign Transaction."
      },
      {
        "name": "Cash Advance Fee",
        "feeType": "CASH_ADVANCE",
        "feeMethodUType": "rateBased",
        "rateBased": {
          "rateType": "TRANSACTION",
          "rate": "0.03"
        }
      },
      {
        "name": "Missed Payment Fee",
        "feeType": "LATE_PAYMENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "additionalValue": "30",
        "additionalInfo": "$0 applied for each missed payment"
      },
      {
        "name": "Card Replacement Fee",
        "feeType": "REPLACEMENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "additionalInfo": "Courier costs may apply"
      },
      {
        "name": "Overlimit Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "additionalInfo": "$0 applied once per statement period if a transaction is made for an amount exceeding the available credit at the date the transaction is debited to your credit card account."
      },
      {
        "name": "Automatic payment fee",
        "feeType": "PAYMENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "additionalInfo": "$0 applied once per statement period for each payment dishonoured made under the automatic payment plan."
      },
      {
        "name": "Statement Copy Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "2.00"
        },
        "additionalInfo": "$2 for requests via Phone Banking or Internet Banking and $2 for all other requests"
      },
      {
        "name": "Copy of a sales voucher",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.50"
        }
      },
      {
        "name": "Copy of a deposit or withdrawal form",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "15.00"
        }
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "PURCHASE",
        "rate": "0.0999",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "OTHER",
        "loanPurpose": "OTHER",
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "OTHER",
            "additionalInfo": "Charged to purchase balances where full closing balance is not paid by due date"
          }
        ],
        "additionalInfo": "Purchase Rate"
      },
      {
        "lendingRateType": "CASH_ADVANCE",
        "rate": "0.1715",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "OTHER",
        "loanPurpose": "OTHER",
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "OTHER",
            "additionalInfo": "Applied to any amount of 'cash' withdrawn from account. (includes physical cash and transfer from account)"
          }
        ],
        "additionalInfo": "Cash advances"
      }
    ]
  }
}