{
  "snapshot_at": "2026-10-24T09:58:10Z",
  "brand": "SWSbank",
  "brand_slug": "swsbank",
  "product_id": "S3_VC",
  "cdr_url": "https://online.swsbank.com.au/openbanking/cds-au/v1/banking/products/S3_VC",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://online.swsbank.com.au/openbanking/cds-au/v1/banking/products/S3_VC'",
  "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": {
    "features": [
      {
        "featureType": "CARD_ACCESS",
        "additionalValue": "Accepted worldwide wherever visa is accepted"
      },
      {
        "featureType": "BALANCE_TRANSFERS"
      },
      {
        "featureType": "NOTIFICATIONS",
        "additionalValue": "Monthly statements"
      },
      {
        "featureType": "DIGITAL_BANKING"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Apple Pay, Google Pay and Samsung Pay"
      },
      {
        "featureType": "NPP_PAYID",
        "additionalInfo": "Simply use your mobile, email or ABN to receive payments"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Minimum monthly repayment - 3% of the account balance last day of statement or $20, whichever is greater"
      },
      {
        "featureType": "UNLIMITED_TXNS",
        "additionalInfo": "There is no limit to the number of Visa transaction you make"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Up to 55 days interest free period"
      }
    ],
    "constraints": [
      {
        "constraintType": "MIN_LIMIT",
        "additionalValue": "500.00"
      },
      {
        "constraintType": "MAX_LIMIT",
        "additionalValue": "20000.00"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "18"
      },
      {
        "eligibilityType": "NATURAL_PERSON"
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "Australian citizen or permanent resident"
      },
      {
        "eligibilityType": "BUSINESS"
      }
    ],
    "fees": [
      {
        "name": "OVERLIMIT_FEE",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "30.00"
        },
        "currency": "AUD",
        "additionalInfo": "Visa Credit Card is over approved credit limit",
        "additionalInfoUri": "https://www.swsbank.com.au/help-support/rates-fees/fees-and-charges/"
      },
      {
        "name": "VISA_CREDIT_CARD_ANNUAL_FEE",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "30.00"
        },
        "currency": "AUD",
        "additionalValue": "P12Y",
        "additionalInfo": "Visa Credit Card annual fee",
        "additionalInfoUri": "https://www.swsbank.com.au/help-support/rates-fees/fees-and-charges/"
      },
      {
        "name": "VISA_CARD_FEE",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "15.00"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://www.swsbank.com.au/help-support/rates-fees/fees-and-charges/"
      }
    ],
    "depositRates": [
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalInfoUri": "https://www.swsbank.com.au/loans/credit-facilities/visa-classic-credit-card/"
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "CASH_ADVANCE",
        "rate": "0.1345",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "repaymentType": "OTHER",
        "loanPurpose": "OTHER",
        "additionalInfoUri": "https://www.swsbank.com.au/loans/credit-facilities/visa-classic-credit-card/"
      },
      {
        "lendingRateType": "PURCHASE",
        "rate": "0.1345",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "repaymentType": "OTHER",
        "loanPurpose": "OTHER",
        "additionalInfoUri": "https://www.swsbank.com.au/loans/credit-facilities/visa-classic-credit-card/"
      }
    ],
    "productCategory": "CRED_AND_CHRG_CARDS",
    "productId": "S3_VC",
    "lastUpdated": "2025-09-15T11:05:37.000+10:00",
    "name": "Visa Credit Card",
    "description": "Visa Credit Card",
    "brand": "South West Slopes Credit Union",
    "brandName": "South West Slopes Credit Union Ltd trading as SWSbank",
    "applicationUri": "https://swscu.apply-online.com.au/#/b7f0c6a4-2f6a-49c2-9912-3f8eb4a40b5a",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.swsbank.com.au/loans/credit-facilities/visa-classic-credit-card/",
      "termsUri": "https://www.swsbank.com.au/help-support/important-information/disclosure-documents/",
      "feesAndPricingUri": "https://www.swsbank.com.au/help-support/rates-fees/fees-and-charges/"
    }
  }
}