{
  "snapshot_at": "2026-10-24T09:58:12Z",
  "brand": "Unity Bank",
  "brand_slug": "unity-bank",
  "product_id": "S78_PLATINUM_VISA_CREDIT_CARD",
  "cdr_url": "https://ibank.unity.bank/OpenBanking/cds-au/v1/banking/products/S78_PLATINUM_VISA_CREDIT_CARD",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://ibank.unity.bank/OpenBanking/cds-au/v1/banking/products/S78_PLATINUM_VISA_CREDIT_CARD'",
  "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",
        "additionalInfo": "Our Platinum Visa Credit Card offers all the things you'd expect from a premium credit card including Qantas Points on eligible purchases and access to concierge services wherever you are in the world."
      },
      {
        "featureType": "ADDITIONAL_CARDS",
        "additionalInfo": "No fees for additional cardholders"
      },
      {
        "featureType": "UNLIMITED_TXNS",
        "additionalInfo": "Unlimited electronic transactions available on your account"
      },
      {
        "featureType": "FREE_TXNS",
        "additionalValue": "9999999999",
        "additionalInfo": "Unlimited free electronic transactions available on your account"
      },
      {
        "featureType": "LOYALTY_PROGRAM",
        "additionalValue": "Qantas Frequent Flyer Points",
        "additionalInfo": "Earn 1.00 Qantas Point for every $1 spent, and also 1 additional Qantas Point for every $1 spent on selected Qantas products and services in Australia (capped at 20,000 Qantas Points per month). Supplementary 10,000 bonus Qantas Points applied annually."
      },
      {
        "featureType": "INTEREST_FREE",
        "additionalValue": "P50D"
      },
      {
        "featureType": "NPP_PAYID",
        "additionalInfo": "Get faster payments between participating banks, anytime with a Pay ID"
      },
      {
        "featureType": "NPP_ENABLED"
      },
      {
        "featureType": "BONUS_REWARDS",
        "additionalValue": "Qantas Frequent Flyer Points",
        "additionalInfo": "1 Qantas Point for every $1 spent"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Concierge is an exclusive service designed to assist platinum cardholders. It   s like having your own personal assistant available 24 hours, 7 days a week in Australia and overseas. Access to range of services including, Emergency travel arrangement provisions, Passport, visa, and customs information Translation and message assistance, Restaurant recommendations, concert tickets and tour bookings"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Securely lock your debit card in the GCMB App while you look for it and unlock it again when you find it"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Cards made from 82% recycled PVC"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Find the digital version of your card via the Mobile App before your physical card arrives in the mail."
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Apple Pay"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Google Pay"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Samsung Pay"
      },
      {
        "featureType": "FRAUD_PROTECTION",
        "additionalInfo": "A range of security features and services provided, including fraud prevention technology and secure banking, to help keep your funds safe."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Make free deposits and withdrawals through a Bank@Post facility at Australia Post outlets."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Minimum monthly repayment is the greater of 3% of the amount of the closing balance, or $20"
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "With PayTo, you can see, review and authorise all new PayTo payments for transactions such as recurring bills, memberships and subscriptions before the money leaves your account."
      }
    ],
    "constraints": [
      {
        "constraintType": "OPENING_BALANCE",
        "additionalValue": "6000.00"
      },
      {
        "constraintType": "MAX_LIMIT",
        "additionalValue": "75000.00"
      },
      {
        "constraintType": "MIN_LIMIT",
        "additionalValue": "6000.00"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "18"
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "PERMANENT RESIDENT",
        "additionalInfo": "You must be an Australian citizen or permanent resident"
      },
      {
        "eligibilityType": "NATURAL_PERSON"
      }
    ],
    "fees": [
      {
        "name": "EMERGENCY_CASH/CARD_VISA_CREDIT",
        "feeType": "REPLACEMENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "currency": "AUD",
        "additionalInfo": "Third party fee charged when you need an emergency replacement card delivered to you (fee is charged at cost)",
        "additionalInfoUri": "https://www.unity.bank/help/rates-fees/"
      },
      {
        "name": "ANNUAL_CREDIT_CARD_FEE_-_PLATINUM",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "299.00"
        },
        "currency": "AUD",
        "additionalValue": "P1Y",
        "additionalInfo": "An annual fee charged for Platinum Visa Credit Card product",
        "additionalInfoUri": "https://www.unity.bank/help/rates-fees/"
      },
      {
        "name": "CREDIT_CARD_STATEMENT_FEE_-_GCMB",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "2.00"
        },
        "currency": "AUD",
        "additionalValue": "P1M",
        "additionalInfo": "A fee charged to cover the cost of producing and sending paper statements",
        "additionalInfoUri": "https://www.unity.bank/help/rates-fees/"
      },
      {
        "name": "LATE_PAYMENT_FEE",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "15.00"
        },
        "currency": "AUD",
        "additionalInfo": "A fee charged when you don't make your minimum monthly payment, plus any overdue amount",
        "additionalInfoUri": "https://www.unity.bank/help/rates-fees/"
      },
      {
        "name": "OUTWARD_RTGS_PAYMENT_FEE",
        "feeType": "WITHDRAWAL",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "30.00"
        },
        "currency": "AUD",
        "additionalInfo": "A Processing fee charged when you require funds to be sent straight away",
        "additionalInfoUri": "https://www.unity.bank/help/rates-fees/"
      },
      {
        "name": "INWARD_RTGS_AND_SWIFT_PAYMENT_FEE",
        "feeType": "DEPOSIT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.00"
        },
        "currency": "AUD",
        "additionalInfo": "A processing fee charged when you receive funds through this channel",
        "additionalInfoUri": "https://www.unity.bank/help/rates-fees/"
      },
      {
        "name": "EFTPOS_DECLINE_FEE",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "1.00"
        },
        "currency": "AUD",
        "additionalInfo": "A fee charged if you don't have enough money in your account for an EFTPOS transaction",
        "additionalInfoUri": "https://www.unity.bank/help/rates-fees/"
      },
      {
        "name": "ATM_INSUFFICIENT_FUNDS",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "1.00"
        },
        "currency": "AUD",
        "additionalInfo": "A fee charged if you don't have enough money in your account for an ATM withdrawal",
        "additionalInfoUri": "https://www.unity.bank/help/rates-fees/"
      },
      {
        "name": "QUICKDEBIT_DISHONOUR_FEE",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "20.00"
        },
        "currency": "AUD",
        "additionalInfo": "A fee charged when you have insufficient funds in your account and we are unable to honour the Quick Debit transaction for you",
        "additionalInfoUri": "https://www.unity.bank/help/rates-fees/"
      },
      {
        "name": "_FOREIGN_CURRENCY_CONVERSION_FEE",
        "feeType": "TRANSACTION",
        "feeMethodUType": "rateBased",
        "rateBased": {
          "rateType": "TRANSACTION",
          "rate": "0.03",
          "accrualFrequency": "D"
        },
        "currency": "AUD",
        "additionalInfo": "Foreign currency conversion fee charged on transaction value in AUD (overseas transactions)",
        "additionalInfoUri": "https://www.unity.bank/help/rates-fees/"
      },
      {
        "name": "VISA_CASH_ADVANCE_FEE",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "4.00"
        },
        "currency": "AUD",
        "additionalInfo": "A fee charged for cash advances and overseas transactions will attract an additional currency conversion fee",
        "additionalInfoUri": "https://www.unity.bank/help/rates-fees/"
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "CASH_ADVANCE",
        "rate": "0.2199",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "repaymentType": "OTHER",
        "loanPurpose": "OTHER",
        "additionalInfo": "Calculated daily, charged monthly."
      },
      {
        "lendingRateType": "PURCHASE",
        "rate": "0.1999",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "repaymentType": "OTHER",
        "loanPurpose": "OTHER",
        "additionalInfo": "Calculated daily, charged monthly."
      },
      {
        "lendingRateType": "BALANCE_TRANSFER",
        "rate": "0.0",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "repaymentType": "OTHER",
        "loanPurpose": "OTHER",
        "additionalInfo": "Calculated daily, charged monthly."
      }
    ],
    "productCategory": "CRED_AND_CHRG_CARDS",
    "productId": "S78_PLATINUM_VISA_CREDIT_CARD",
    "lastUpdated": "2026-09-14T10:49:01.000+10:00",
    "name": "Platinum Visa Credit Card",
    "description": "Premium credit card including Qantas Points on eligible purchases and access to concierge services wherever you are in the world",
    "brand": "UBL",
    "brandName": "UNITY BANK",
    "applicationUri": "https://campaign.mpowerdigitalonboarding.com.au/newapplication?hide_back=false&lang=en&utm_source=UB&utm_medium=gncfmCpLP9Ze&utm_campaign=website&utm_term=PVCC",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.unity.bank/personal-loans/credit-card/platinum-visa-credit-card/",
      "termsUri": "https://www.unity.bank/reusable-documents/disclosure-documents/account-and-access-facility-conditions-of-use/",
      "eligibilityUri": "https://www.unity.bank/reusable-documents/disclosure-documents/account-and-access-facility-conditions-of-use/",
      "feesAndPricingUri": "https://www.unity.bank/help/rates-fees/"
    }
  }
}