{
  "snapshot_at": "2026-11-12T02:36:05Z",
  "brand": "Summerland Bank",
  "brand_slug": "summerland-bank",
  "product_id": "74",
  "cdr_url": "https://public.cdr-api.summerland.com.au/cds-au/v1/banking/products/74",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://public.cdr-api.summerland.com.au/cds-au/v1/banking/products/74'",
  "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": "74",
    "effectiveFrom": "2015-03-29T13:30:00.0000000Z",
    "lastUpdated": "2026-11-12T02:00:41.0226439Z",
    "productCategory": "CRED_AND_CHRG_CARDS",
    "name": "Low Rate Credit Card",
    "description": "Benefit from a low interest rate on purchases.",
    "brand": "Summerland",
    "applicationUri": "https://application.summerland.com.au/nPortal__SelfRegistration?product=a0uOm000005EqqbIAC&core=es5&_gl=1*cy7mzo*_gcl_au*MTYyNjUxNDAwNi4xNzQwNjkxMDQ1",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://summerland.com.au/my-banking/credit-cards/",
      "termsUri": "https://www.summerland.com.au/detailed-credit-card-product-guide",
      "feesAndPricingUri": "https://www.summerland.com.au/fees-charges-transaction-limits"
    },
    "features": [
      {
        "featureType": "ADDITIONAL_CARDS",
        "additionalInfoUri": "https://summerland.com.au/my-banking/credit-cards/"
      },
      {
        "featureType": "CARD_ACCESS",
        "additionalValue": "Low Rate Visa credit card.",
        "additionalInfoUri": "https://www.summerland.com.au/"
      },
      {
        "featureType": "UNLIMITED_TXNS",
        "additionalInfo": "Unlimited Visa purchases.",
        "additionalInfoUri": "https://summerland.com.au/my-banking/credit-cards/"
      },
      {
        "featureType": "BALANCE_TRANSFERS",
        "additionalInfo": "Consolidate your Credit Card Balances with a Summerland Credit Card.\r\n",
        "additionalInfoUri": "https://summerland.com.au/credit-cards"
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "Open accounts, check balances, view transactions, transfer funds, schedule payments, BPAY, eStatements, SMS alerts, activate cards, change card PIN, mark card lost or stolen, loan redraw, loan status update, accept loan contracts and send secure messages.\r\n",
        "additionalInfoUri": "https://summerland.com.au/access"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Apple Pay.",
        "additionalInfoUri": "https://summerland.com.au/apple-pay"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Google Pay",
        "additionalInfoUri": "https://summerland.com.au/google-pay"
      },
      {
        "featureType": "INTEREST_FREE",
        "additionalValue": "P55D",
        "additionalInfo": "Up to 55 interest free days on purchases.",
        "additionalInfoUri": "https://summerland.com.au/credit-cards"
      },
      {
        "featureType": "INTEREST_FREE_TRANSFERS",
        "additionalValue": "P9M",
        "additionalInfoUri": "https://summerland.com.au/credit-cards"
      },
      {
        "featureType": "NOTIFICATIONS",
        "additionalValue": "Event based notifications.",
        "additionalInfoUri": "https://summerland.com.au/phone-banking#sms-alerts"
      },
      {
        "featureType": "NPP_ENABLED",
        "additionalInfoUri": "https://summerland.com.au/npp"
      },
      {
        "featureType": "NPP_PAYID",
        "additionalInfo": "Set up a pay ID to receive lightning fast payments.\r\n",
        "additionalInfoUri": "https://summerland.com.au/payid"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Save on paper, receive and view your statements online with eStatements.",
        "additionalInfoUri": "https://summerland.com.au/internet-banking#estatements"
      }
    ],
    "fees": [
      {
        "name": "Low Rate Annual Fee",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "49.00"
        },
        "currency": "AUD",
        "additionalValue": "P1Y",
        "additionalInfoUri": "https://summerland.com.au/credit-cards",
        "discounts": [
          {
            "description": "The discount is available for holders of a Premium Home Loan.",
            "discountType": "ELIGIBILITY_ONLY",
            "discountMethodUType": "rateBased",
            "rateBased": {
              "rateType": "FEE",
              "rate": "1.0",
              "amountRange": {}
            },
            "eligibility": [
              {
                "discountEligibilityType": "OTHER",
                "additionalInfo": "The discount is available for holders of a Premium Home Loan."
              }
            ]
          }
        ]
      },
      {
        "name": "Cash Advance Fee",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "3.50"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://www.summerland.com.au/fees-charges-transaction-limits"
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "BALANCE_TRANSFER",
        "rate": "0.0",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P9M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OTHER",
        "additionalInfoUri": "https://summerland.com.au/credit-cards"
      }
    ]
  }
}