{
  "snapshot_at": "2026-11-12T02:36:05Z",
  "brand": "Summerland Bank",
  "brand_slug": "summerland-bank",
  "product_id": "75",
  "cdr_url": "https://public.cdr-api.summerland.com.au/cds-au/v1/banking/products/75",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://public.cdr-api.summerland.com.au/cds-au/v1/banking/products/75'",
  "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": "75",
    "effectiveFrom": "2015-04-06T14:30:00.0000000Z",
    "lastUpdated": "2026-11-12T02:00:41.0226439Z",
    "productCategory": "CRED_AND_CHRG_CARDS",
    "name": "Rewards Credit Card",
    "description": "Earn Rewards points on your everyday spend.",
    "brand": "Summerland",
    "applicationUri": "https://application.summerland.com.au/nPortal__SelfRegistration?product=a0uOm000005EqqcIAC&core=es5&_gl=1*199l32e*_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": "Rewards 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": "P12M",
        "additionalInfoUri": "https://summerland.com.au/credit-cards"
      },
      {
        "featureType": "LOYALTY_PROGRAM",
        "additionalValue": "Summerland Credit Card Rewards Program",
        "additionalInfo": "Get paid to shop with Summerlands Credit Card Rewards Program. Earn one reward point for every Australian dollar spent on eligible transactions. These points are then converted into cash and paid back to you every six months. The maximum number of reward points you can earn during each 12 month period is 100,000 points. Each 12 month period is determined from your card establishment date.",
        "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": "Rewards Annual Fee",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "79.00"
        },
        "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://summerland.com.au/credit-cards"
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "BALANCE_TRANSFER",
        "rate": "0.0",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P12M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OTHER",
        "additionalInfoUri": "https://summerland.com.au/credit-cards"
      }
    ]
  }
}