{
  "segment": "personal",
  "kind": "low_rate",
  "ranked_by": "purchase_rate_pct ascending, then annual_fee (unstated last), then name",
  "generated_at": "2026-11-12T02:36:21Z",
  "data_as_of": "2026-11-12T02:35:39Z",
  "note": "The top 10 credit cards for this segment and ranking kind, one per bank, cut to the fields needed to quote them, from each bank's own published product data or, for source_kind document, from the issuer's own page and Key Facts Sheet. Quote the purchase rate with the annual fee (annual_fee is yearly; fee_as_stated is the monthly figure when fee_period is monthly) and, for a balance transfer, the months, the transfer fee and the rate it reverts to. annual_fee_stated false means the feed gives no card fee amount, not that there is none. record_stale means the bank has not updated the record recently. from_issuer_page lists the figures that are not the bank's CDR feed's own, each with the one sentence on the issuer's page that states the figure the entry is ranked on (url and quote): source correction (corrections.json changed the feed's figures), confirmation (the feed's figures seen on the page, which clears record_stale), watched_term (terms-watch.json added a restriction, limited a fee waiver or ended an offer) or issuer_document (an issuer with no feed, every figure read from its page). null when every figure is the feed's own. before_answering says what bank_last_updated and from_issuer_page[].confirmed each mean. generated_at is when this file's contents last changed.",
  "kinds_note": "kind low_rate ranks every credit card by its ongoing purchase rate, lowest first; no_annual_fee ranks the cards whose feed states a $0 annual (or monthly) card fee, by purchase rate; balance_transfer ranks the cards with a promotional balance transfer offer by the length of the offer, then its rate, fee and the rate it reverts to; rewards ranks the cards with a rewards programme by annual fee, lowest first, then purchase rate, because the feeds do not say what a point is worth. One entry per bank per slice. A card's annual_fee is the yearly figure: a monthly card fee is published as stated and multiplied by twelve.",
  "coverage_note": "Covers the banks, credit unions and other card issuers on the Consumer Data Right register that publish credit cards, every rate and fee as the issuer's own feed states it, plus issuers that are not on the register (American Express, Zip's Zip Plus line of credit and Wizit's Wizitcard): their cards are read by hand from their own pages and Key Facts Sheets, each figure quoted from the sentence it came from and re-read daily (source_kind document). Latitude and other non-bank issuers are not here. Not every offer an issuer advertises is in its feed, and rewards points are not valued: the feeds name the programme, not what a point is worth.",
  "before_answering": "https://deepalmanac.com/au/finance/credit-cards/v1/questions.json lists what to ask the reader first (personal or business; whether they carry a balance, want no fee, have a balance to transfer or want rewards), which file answers each question and what each figure means. Read its commentary before quoting a card. bank_last_updated is when the bank last touched its CDR record (for an issuer with no feed, when its quoted sentences were last re-read and found). from_issuer_page[].confirmed is the last day the quoted sentence was found on the issuer's page, by the daily re-read or the hand check that added it; it is null, with last_confirmed, when the sentence has not been re-confirmed within its maximum age.",
  "full_ranking": "https://deepalmanac.com/au/finance/credit-cards/v1/best/personal/low_rate.json",
  "banks_ranked": 52,
  "top": [
    {
      "rank": 1,
      "brand_label": "CommBank",
      "brand_slug": "commbank",
      "product_label": "Interest-free Low Fee Credit Card",
      "page": "/au/finance/credit-cards/cards/commbank/interest-free-low-fee-credit-card/",
      "card_type": "credit",
      "scheme": "mastercard",
      "purchase_rate_pct": 0.0,
      "purchase_rate_range_pct": null,
      "no_interest_card": true,
      "cash_advance_rate_pct": null,
      "intro_purchase_rate_pct": null,
      "intro_purchase_months": null,
      "interest_free_days": null,
      "annual_fee": 120.0,
      "fee_period": "monthly",
      "fee_as_stated": 10.0,
      "annual_fee_stated": true,
      "first_year_fee_waived": false,
      "foreign_transaction_fee_pct": 0.0,
      "bt_promo_rate_pct": null,
      "bt_promo_months": null,
      "bt_fee_pct": null,
      "bt_revert_rate_pct": null,
      "rewards_program": null,
      "rewards_program_fee": null,
      "bonus_offer": null,
      "insurances": [],
      "min_credit_limit": 400.0,
      "max_credit_limit": 1500.0,
      "min_income": null,
      "conditions": [
        "no interest is charged on purchases; the card costs $10.00 a month instead",
        "credit limit $400 to $1,500",
        "Applications for Interest-free Low fee credit card are subject to CBA's lending policy for new Low Cost Credit Contracts."
      ],
      "restrictions": [],
      "source_kind": "feed",
      "record_stale": false,
      "product_url": "https://www.commbank.com.au/credit-cards/interest-free-low-fee.html",
      "terms_url": "https://www.commbank.com.au/personal/apply-online/download-printed-forms/008-188-interest-free-low-fee.pdf",
      "key_facts_sheet_url": "https://www.commbank.com.au/content/dam/commbank/personal/apply-online/download-printed-forms/008-196.pdf",
      "bank_last_updated": "2026-11-12T02:15:46.000Z",
      "from_issuer_page": null
    },
    {
      "rank": 2,
      "brand_label": "Wizit",
      "brand_slug": "wizit",
      "product_label": "Wizitcard",
      "page": "/au/finance/credit-cards/cards/wizit/wizitcard/",
      "card_type": "credit",
      "scheme": "mastercard",
      "purchase_rate_pct": 0.0,
      "purchase_rate_range_pct": null,
      "no_interest_card": true,
      "cash_advance_rate_pct": null,
      "intro_purchase_rate_pct": null,
      "intro_purchase_months": null,
      "interest_free_days": 0,
      "annual_fee": 228,
      "fee_period": "monthly",
      "fee_as_stated": 19,
      "annual_fee_stated": true,
      "first_year_fee_waived": false,
      "foreign_transaction_fee_pct": 3,
      "bt_promo_rate_pct": null,
      "bt_promo_months": null,
      "bt_fee_pct": null,
      "bt_revert_rate_pct": null,
      "rewards_program": null,
      "rewards_program_fee": null,
      "bonus_offer": null,
      "insurances": [],
      "min_credit_limit": 500,
      "max_credit_limit": 5000,
      "min_income": null,
      "conditions": [
        "no interest is charged on purchases; the card costs $19.00 a month instead",
        "read from the issuer's own page and Key Facts Sheet correct as at 2026-09-14, each figure quoted and re-read daily",
        "the Monthly fee is not charged in a statement period in which the account had a zero balance and the card was not used",
        "a virtual Mastercard in the issuer's app, not a physical card",
        "credit limit $500 to $5,000",
        "cash advances are not offered",
        "A digital-first Mastercard added to Apple or Google Wallet; no physical card is needed to shop.",
        "The $19 monthly fee is not charged in a statement period in which the account had a zero balance and the card was not used; annual_fee is twelve months of it.",
        "The late payment fee is $1 for each day the account is overdue, capped at $100 in a rolling 12 months, after a grace period; it is not a single amount.",
        "not for applicants whose income is more than half pension, carer or jobseeker payments",
        "late fee $1 a day overdue after a 14-day grace period, capped at $100 a year; $0.55 dishonour fee"
      ],
      "restrictions": [],
      "source_kind": "document",
      "record_stale": false,
      "product_url": "https://wizit.money/wizitcard",
      "terms_url": null,
      "key_facts_sheet_url": "https://wizit.money/terms-and-conditions/wizitcard-key-facts-sheet",
      "bank_last_updated": "2026-11-12T02:35:39+00:00",
      "from_issuer_page": [
        {
          "source": "issuer_document",
          "fields": [
            "purchase_rate_pct",
            "annual_fee",
            "interest_free_days",
            "cash_advance_rate_pct",
            "min_credit_limit",
            "max_credit_limit",
            "form",
            "document_date",
            "foreign_transaction_fee_pct"
          ],
          "confirmed": "2026-11-12",
          "url": "https://wizit.money/terms-and-conditions/wizitcard-key-facts-sheet#:~:text=Interest%20on%20purchases%200%25%20p.a.",
          "quote": "Interest on purchases 0% p.a."
        }
      ]
    },
    {
      "rank": 3,
      "brand_label": "Unity Bank",
      "brand_slug": "unity-bank",
      "product_label": "Low Rate Visa Credit Card",
      "page": "/au/finance/credit-cards/cards/unity-bank/low-rate-visa-credit-card/",
      "card_type": "credit",
      "scheme": "visa",
      "purchase_rate_pct": 7.49,
      "purchase_rate_range_pct": null,
      "no_interest_card": null,
      "cash_advance_rate_pct": 15.49,
      "intro_purchase_rate_pct": null,
      "intro_purchase_months": null,
      "interest_free_days": 50,
      "annual_fee": 50.0,
      "fee_period": "annual",
      "fee_as_stated": 50.0,
      "annual_fee_stated": true,
      "first_year_fee_waived": false,
      "foreign_transaction_fee_pct": 3.0,
      "bt_promo_rate_pct": null,
      "bt_promo_months": null,
      "bt_fee_pct": null,
      "bt_revert_rate_pct": null,
      "rewards_program": null,
      "rewards_program_fee": null,
      "bonus_offer": null,
      "insurances": [],
      "min_credit_limit": 1000.0,
      "max_credit_limit": 75000.0,
      "min_income": null,
      "conditions": [
        "credit limit $1,000 to $75,000"
      ],
      "restrictions": [],
      "source_kind": "feed",
      "record_stale": false,
      "product_url": "https://www.unity.bank/reusable-documents/disclosure-documents/account-and-access-facility-conditions-of-use/",
      "terms_url": "https://www.unity.bank/reusable-documents/disclosure-documents/account-and-access-facility-conditions-of-use/",
      "key_facts_sheet_url": null,
      "bank_last_updated": "2026-09-14T10:49:01.000+10:00",
      "from_issuer_page": null
    },
    {
      "rank": 4,
      "brand_label": "Defence Bank",
      "brand_slug": "defence-bank",
      "product_label": "Foundation Credit Card",
      "page": "/au/finance/credit-cards/cards/defence-bank/foundation-credit-card/",
      "card_type": "credit",
      "scheme": "visa",
      "purchase_rate_pct": 8.99,
      "purchase_rate_range_pct": null,
      "no_interest_card": null,
      "cash_advance_rate_pct": 8.99,
      "intro_purchase_rate_pct": 3.99,
      "intro_purchase_months": 6,
      "interest_free_days": 55,
      "annual_fee": 45.0,
      "fee_period": "annual",
      "fee_as_stated": 45.0,
      "annual_fee_stated": true,
      "first_year_fee_waived": false,
      "foreign_transaction_fee_pct": 3.0,
      "bt_promo_rate_pct": 3.99,
      "bt_promo_months": 6,
      "bt_fee_pct": null,
      "bt_revert_rate_pct": 8.99,
      "rewards_program": null,
      "rewards_program_fee": null,
      "bonus_offer": null,
      "insurances": [],
      "min_credit_limit": null,
      "max_credit_limit": null,
      "min_income": null,
      "conditions": [
        "corrected from the bank's own page: 8.99% on purchases and cash advances, a $45 annual fee, and 3.99% for the first six months on purchases, balance transfers and cash advances (rates current as at 15 July 2026)",
        "the feed labels the card's rate as a variable rate rather than a purchase rate",
        "3.99% on purchases for the first 6 months, then the purchase rate",
        "$20 late payment fee; cash advance fee from $4.10"
      ],
      "restrictions": [],
      "source_kind": "feed",
      "record_stale": false,
      "product_url": "https://www.defencebank.com.au/creditcard",
      "terms_url": "https://www.defencebank.com.au/globalassets/documents/legal--compliance/disclosure-documents/defence-bank-products-and-services-conditions-of-use.pdf",
      "key_facts_sheet_url": "https://www.defencebank.com.au/globalassets/documents/credit-cards/defence-bank-foundation-credit-card---key-facts-sheet.pdf",
      "bank_last_updated": "2026-03-16T00:00:00.000+11:00",
      "from_issuer_page": [
        {
          "source": "correction",
          "fields": [
            "cash_advance_rate_pct",
            "bt_promo_rate_pct",
            "bt_promo_months",
            "bt_revert_rate_pct"
          ],
          "confirmed": "2026-11-12",
          "url": "https://www.defencebank.com.au/creditcard#:~:text=3.99%25%20p.a.%20six%20month%20introductory,transfers%2C%20purchases%20and%20cash%20advances",
          "quote": "3.99% p.a. six month introductory rate on balance transfers, purchases and cash advances"
        }
      ]
    },
    {
      "rank": 5,
      "brand_label": "Auswide Bank",
      "brand_slug": "auswide-bank-ltd",
      "product_label": "Low Rate Visa Credit Card",
      "page": "/au/finance/credit-cards/cards/auswide-bank-ltd/low-rate-visa-credit-card/",
      "card_type": "credit",
      "scheme": "visa",
      "purchase_rate_pct": 9.74,
      "purchase_rate_range_pct": null,
      "no_interest_card": null,
      "cash_advance_rate_pct": 9.74,
      "intro_purchase_rate_pct": null,
      "intro_purchase_months": null,
      "interest_free_days": 55,
      "annual_fee": 50.0,
      "fee_period": "annual",
      "fee_as_stated": 50.0,
      "annual_fee_stated": true,
      "first_year_fee_waived": false,
      "foreign_transaction_fee_pct": null,
      "bt_promo_rate_pct": null,
      "bt_promo_months": null,
      "bt_fee_pct": null,
      "bt_revert_rate_pct": null,
      "rewards_program": null,
      "rewards_program_fee": null,
      "bonus_offer": null,
      "insurances": [],
      "min_credit_limit": 500.0,
      "max_credit_limit": 50000.0,
      "min_income": null,
      "conditions": [
        "credit limit $500 to $50,000",
        "$20 late payment fee",
        "3% currency conversion fee on transactions not in Australian dollars",
        "$3.50 fee per cash advance",
        "0% balance transfers for 12 months, reverting to the purchase rate; no interest-free days on purchases while a balance transfer is owed"
      ],
      "restrictions": [],
      "source_kind": "feed",
      "record_stale": false,
      "product_url": "https://auswidebank.com.au/banking/credit-cards/low-rate-visa-credit-card/",
      "terms_url": "https://auswidebank.com.au/reusable-documents/terms-conditions-and-disclosure-documents/credit-cards-low-rate-visa/low-rate-visa-credit-card-terms-conditions/",
      "key_facts_sheet_url": "https://auswidebank.com.au/reusable-documents/fees-charges/credit-cards/credit-card-key-fact-sheet-0623/",
      "bank_last_updated": "2026-06-24T16:11:08.000+10:00",
      "from_issuer_page": null
    },
    {
      "rank": 6,
      "brand_label": "Westpac",
      "brand_slug": "westpac",
      "product_label": "Lite Card",
      "page": "/au/finance/credit-cards/cards/westpac/lite-card/",
      "card_type": "credit",
      "scheme": "mastercard",
      "purchase_rate_pct": 9.9,
      "purchase_rate_range_pct": null,
      "no_interest_card": null,
      "cash_advance_rate_pct": null,
      "intro_purchase_rate_pct": null,
      "intro_purchase_months": null,
      "interest_free_days": 45,
      "annual_fee": 108.0,
      "fee_period": "monthly",
      "fee_as_stated": 9.0,
      "annual_fee_stated": true,
      "first_year_fee_waived": false,
      "foreign_transaction_fee_pct": 0.0,
      "bt_promo_rate_pct": null,
      "bt_promo_months": null,
      "bt_fee_pct": null,
      "bt_revert_rate_pct": null,
      "rewards_program": null,
      "rewards_program_fee": null,
      "bonus_offer": null,
      "insurances": [],
      "min_credit_limit": 1000.0,
      "max_credit_limit": 20000.0,
      "min_income": 30000.0,
      "conditions": [
        "credit limit $1,000 to $20,000",
        "minimum income $30,000 a year",
        "Customer having a regular, verifiable Australian taxable income.",
        "Customer having a fixed, verifiable residential address in Australia.",
        "cash advances not available",
        "balance transfers not available",
        "from 30 November 2026: purchase rate 9.90% to 11.99%, card fee $9 to $10 a month, minimum payment 2.5% or $25",
        "card fee rises to $10 a month from 30 November 2026"
      ],
      "restrictions": [],
      "source_kind": "feed",
      "record_stale": false,
      "product_url": "https://www.westpac.com.au/credit-cards/low-rate-cards/westpac-lite-card",
      "terms_url": "https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/westpac-credit-card-terms-and-conditions.pdf",
      "key_facts_sheet_url": "https://www.westpac.com.au/credit-cards/credit-cards-fact-sheet",
      "bank_last_updated": "2026-10-29T02:41:55Z",
      "from_issuer_page": null
    },
    {
      "rank": 7,
      "brand_label": "Greater Bank",
      "brand_slug": "greater-bank",
      "product_label": "Visa Credit Card",
      "page": "/au/finance/credit-cards/cards/greater-bank/visa-credit-card/",
      "card_type": "credit",
      "scheme": "visa",
      "purchase_rate_pct": 9.95,
      "purchase_rate_range_pct": null,
      "no_interest_card": null,
      "cash_advance_rate_pct": 9.95,
      "intro_purchase_rate_pct": null,
      "intro_purchase_months": null,
      "interest_free_days": 55,
      "annual_fee": 49.0,
      "fee_period": "annual",
      "fee_as_stated": 49.0,
      "annual_fee_stated": true,
      "first_year_fee_waived": false,
      "foreign_transaction_fee_pct": null,
      "bt_promo_rate_pct": null,
      "bt_promo_months": null,
      "bt_fee_pct": null,
      "bt_revert_rate_pct": null,
      "rewards_program": null,
      "rewards_program_fee": null,
      "bonus_offer": null,
      "insurances": [],
      "min_credit_limit": 1000.0,
      "max_credit_limit": 25000.0,
      "min_income": null,
      "conditions": [
        "credit limit $1,000 to $25,000",
        "Applicants must meet applicable identification requirements and lending criteria, including demonstrating an ability to afford repayments.",
        "employment status: Have a demonstrated ability to afford repayments"
      ],
      "restrictions": [],
      "source_kind": "feed",
      "record_stale": false,
      "product_url": "https://www.greater.com.au/personal/credit-cards/visa-credit-card/",
      "terms_url": "https://www.greater.com.au/termsandconditions",
      "key_facts_sheet_url": null,
      "bank_last_updated": "2026-11-04T13:00:00Z",
      "from_issuer_page": null
    },
    {
      "rank": 8,
      "brand_label": "Community First Bank",
      "brand_slug": "commfcu",
      "product_label": "Low Rate Credit Card",
      "page": "/au/finance/credit-cards/cards/commfcu/low-rate-credit-card/",
      "card_type": "credit",
      "scheme": "visa",
      "purchase_rate_pct": 9.99,
      "purchase_rate_range_pct": null,
      "no_interest_card": null,
      "cash_advance_rate_pct": 9.99,
      "intro_purchase_rate_pct": null,
      "intro_purchase_months": null,
      "interest_free_days": 55,
      "annual_fee": 50.0,
      "fee_period": "annual",
      "fee_as_stated": 50.0,
      "annual_fee_stated": true,
      "first_year_fee_waived": false,
      "foreign_transaction_fee_pct": 3.0,
      "bt_promo_rate_pct": null,
      "bt_promo_months": null,
      "bt_fee_pct": null,
      "bt_revert_rate_pct": null,
      "rewards_program": null,
      "rewards_program_fee": null,
      "bonus_offer": null,
      "insurances": [],
      "min_credit_limit": 500.0,
      "max_credit_limit": null,
      "min_income": null,
      "conditions": [
        "interest is charged on purchases while a balance transfer is outstanding",
        "Australian citizen or permanent resident with a regular income, more than 6 months in the current job, no defaults in 5 years, not bankrupt",
        "Australian citizen or permanent resident only"
      ],
      "restrictions": [],
      "source_kind": "feed",
      "record_stale": false,
      "product_url": "https://communityfirst.com.au/personal/banking/credit-cards",
      "terms_url": "https://communityfirst.com.au/support/important-information/disclosure-documents",
      "key_facts_sheet_url": "https://cms.communityfirst.com.au/wp-content/uploads/2026/08/Low-Rate-Credit-Card-Key-Fact-Sheet_20260901.pdf",
      "bank_last_updated": "2026-10-06T15:31:28.000+11:00",
      "from_issuer_page": null
    },
    {
      "rank": 9,
      "brand_label": "Coastline Bank",
      "brand_slug": "coastline-bank",
      "product_label": "Visa Credit Card",
      "page": "/au/finance/credit-cards/cards/coastline-bank/visa-credit-card/",
      "card_type": "credit",
      "scheme": "visa",
      "purchase_rate_pct": 10.24,
      "purchase_rate_range_pct": null,
      "no_interest_card": null,
      "cash_advance_rate_pct": 10.24,
      "intro_purchase_rate_pct": null,
      "intro_purchase_months": null,
      "interest_free_days": 55,
      "annual_fee": 0,
      "fee_period": "annual",
      "fee_as_stated": 0,
      "annual_fee_stated": true,
      "first_year_fee_waived": false,
      "foreign_transaction_fee_pct": null,
      "bt_promo_rate_pct": 0.0,
      "bt_promo_months": 6,
      "bt_fee_pct": null,
      "bt_revert_rate_pct": null,
      "rewards_program": null,
      "rewards_program_fee": null,
      "bonus_offer": null,
      "insurances": [],
      "min_credit_limit": 500.0,
      "max_credit_limit": null,
      "min_income": null,
      "conditions": [
        "corrected from the bank's own page: no annual fee, per the bank's card page (\"No annual fees\") and Key Facts Sheet; the feed states no card fee",
        "0.00% on balance transfers for 6 months",
        "no annual fee; cash advance fee $3.50; Visa international transaction fee 3.65%",
        "no balance transfer fee on the 6-month 0% offer"
      ],
      "restrictions": [],
      "source_kind": "feed",
      "record_stale": false,
      "product_url": "https://www.coastline.com.au/personal/visa-credit-card",
      "terms_url": "https://cdn.sanity.io/files/djf521sf/production/7b2f7389cbdab671e3e98f77ef7a70058406b8ce.pdf",
      "key_facts_sheet_url": "https://cdn.sanity.io/files/djf521sf/production/933d4d57eb4310f6c08643a39c37305dd01035b0.pdf",
      "bank_last_updated": "2026-10-14T14:00:14.4205168Z",
      "from_issuer_page": [
        {
          "source": "correction",
          "fields": [
            "annual_fee"
          ],
          "confirmed": "2026-11-12",
          "url": "https://www.coastline.com.au/personal/visa-credit-card#:~:text=No%20annual%20fees",
          "quote": "No annual fees"
        }
      ]
    },
    {
      "rank": 10,
      "brand_label": "First Option Bank",
      "brand_slug": "first-option-bank",
      "product_label": "Visa Credit Card",
      "page": "/au/finance/credit-cards/cards/first-option-bank/visa-credit-card/",
      "card_type": "credit",
      "scheme": "visa",
      "purchase_rate_pct": 10.49,
      "purchase_rate_range_pct": null,
      "no_interest_card": null,
      "cash_advance_rate_pct": 17.99,
      "intro_purchase_rate_pct": null,
      "intro_purchase_months": null,
      "interest_free_days": 45,
      "annual_fee": 48.0,
      "fee_period": "annual",
      "fee_as_stated": 48.0,
      "annual_fee_stated": true,
      "first_year_fee_waived": false,
      "foreign_transaction_fee_pct": null,
      "bt_promo_rate_pct": null,
      "bt_promo_months": null,
      "bt_fee_pct": null,
      "bt_revert_rate_pct": null,
      "rewards_program": null,
      "rewards_program_fee": null,
      "bonus_offer": null,
      "insurances": [],
      "min_credit_limit": 500.0,
      "max_credit_limit": null,
      "min_income": null,
      "conditions": [
        "no late payment fee",
        "0.25% of card spending is given to conservation projects at no cost to the cardholder"
      ],
      "restrictions": [],
      "source_kind": "feed",
      "record_stale": false,
      "product_url": "https://www.firstoptionbank.com.au/credit-card/",
      "terms_url": "https://firstoptionbank.com.au/disclosure-statements/",
      "key_facts_sheet_url": "https://firstoptionbank.com.au/wp-content/uploads/2024/01/Low-Rate_Visa_Credit_Card_Key_Fact_Sheet.pdf",
      "bank_last_updated": "2026-06-02T12:56:29.000+10:00",
      "from_issuer_page": null
    }
  ],
  "top_all_note": "Student cards, companion cards open only to holders of another of the issuer's cards, and lenders open only to certain occupations (restrictions student, companion_card, occupation_membership) are left out of top. Including them changes this top 10: top_all is the ranking with them in.",
  "top_all": [
    {
      "rank": 1,
      "brand_label": "CommBank",
      "brand_slug": "commbank",
      "product_label": "Interest-free Low Fee Credit Card",
      "page": "/au/finance/credit-cards/cards/commbank/interest-free-low-fee-credit-card/",
      "card_type": "credit",
      "scheme": "mastercard",
      "purchase_rate_pct": 0.0,
      "purchase_rate_range_pct": null,
      "no_interest_card": true,
      "cash_advance_rate_pct": null,
      "intro_purchase_rate_pct": null,
      "intro_purchase_months": null,
      "interest_free_days": null,
      "annual_fee": 120.0,
      "fee_period": "monthly",
      "fee_as_stated": 10.0,
      "annual_fee_stated": true,
      "first_year_fee_waived": false,
      "foreign_transaction_fee_pct": 0.0,
      "bt_promo_rate_pct": null,
      "bt_promo_months": null,
      "bt_fee_pct": null,
      "bt_revert_rate_pct": null,
      "rewards_program": null,
      "rewards_program_fee": null,
      "bonus_offer": null,
      "insurances": [],
      "min_credit_limit": 400.0,
      "max_credit_limit": 1500.0,
      "min_income": null,
      "conditions": [
        "no interest is charged on purchases; the card costs $10.00 a month instead",
        "credit limit $400 to $1,500",
        "Applications for Interest-free Low fee credit card are subject to CBA's lending policy for new Low Cost Credit Contracts."
      ],
      "restrictions": [],
      "source_kind": "feed",
      "record_stale": false,
      "product_url": "https://www.commbank.com.au/credit-cards/interest-free-low-fee.html",
      "terms_url": "https://www.commbank.com.au/personal/apply-online/download-printed-forms/008-188-interest-free-low-fee.pdf",
      "key_facts_sheet_url": "https://www.commbank.com.au/content/dam/commbank/personal/apply-online/download-printed-forms/008-196.pdf",
      "bank_last_updated": "2026-11-12T02:15:46.000Z",
      "from_issuer_page": null
    },
    {
      "rank": 2,
      "brand_label": "Wizit",
      "brand_slug": "wizit",
      "product_label": "Wizitcard",
      "page": "/au/finance/credit-cards/cards/wizit/wizitcard/",
      "card_type": "credit",
      "scheme": "mastercard",
      "purchase_rate_pct": 0.0,
      "purchase_rate_range_pct": null,
      "no_interest_card": true,
      "cash_advance_rate_pct": null,
      "intro_purchase_rate_pct": null,
      "intro_purchase_months": null,
      "interest_free_days": 0,
      "annual_fee": 228,
      "fee_period": "monthly",
      "fee_as_stated": 19,
      "annual_fee_stated": true,
      "first_year_fee_waived": false,
      "foreign_transaction_fee_pct": 3,
      "bt_promo_rate_pct": null,
      "bt_promo_months": null,
      "bt_fee_pct": null,
      "bt_revert_rate_pct": null,
      "rewards_program": null,
      "rewards_program_fee": null,
      "bonus_offer": null,
      "insurances": [],
      "min_credit_limit": 500,
      "max_credit_limit": 5000,
      "min_income": null,
      "conditions": [
        "no interest is charged on purchases; the card costs $19.00 a month instead",
        "read from the issuer's own page and Key Facts Sheet correct as at 2026-09-14, each figure quoted and re-read daily",
        "the Monthly fee is not charged in a statement period in which the account had a zero balance and the card was not used",
        "a virtual Mastercard in the issuer's app, not a physical card",
        "credit limit $500 to $5,000",
        "cash advances are not offered",
        "A digital-first Mastercard added to Apple or Google Wallet; no physical card is needed to shop.",
        "The $19 monthly fee is not charged in a statement period in which the account had a zero balance and the card was not used; annual_fee is twelve months of it.",
        "The late payment fee is $1 for each day the account is overdue, capped at $100 in a rolling 12 months, after a grace period; it is not a single amount.",
        "not for applicants whose income is more than half pension, carer or jobseeker payments",
        "late fee $1 a day overdue after a 14-day grace period, capped at $100 a year; $0.55 dishonour fee"
      ],
      "restrictions": [],
      "source_kind": "document",
      "record_stale": false,
      "product_url": "https://wizit.money/wizitcard",
      "terms_url": null,
      "key_facts_sheet_url": "https://wizit.money/terms-and-conditions/wizitcard-key-facts-sheet",
      "bank_last_updated": "2026-11-12T02:35:39+00:00",
      "from_issuer_page": [
        {
          "source": "issuer_document",
          "fields": [
            "purchase_rate_pct",
            "annual_fee",
            "interest_free_days",
            "cash_advance_rate_pct",
            "min_credit_limit",
            "max_credit_limit",
            "form",
            "document_date",
            "foreign_transaction_fee_pct"
          ],
          "confirmed": "2026-11-12",
          "url": "https://wizit.money/terms-and-conditions/wizitcard-key-facts-sheet#:~:text=Interest%20on%20purchases%200%25%20p.a.",
          "quote": "Interest on purchases 0% p.a."
        }
      ]
    },
    {
      "rank": 3,
      "brand_label": "Unity Bank",
      "brand_slug": "unity-bank",
      "product_label": "Low Rate Visa Credit Card",
      "page": "/au/finance/credit-cards/cards/unity-bank/low-rate-visa-credit-card/",
      "card_type": "credit",
      "scheme": "visa",
      "purchase_rate_pct": 7.49,
      "purchase_rate_range_pct": null,
      "no_interest_card": null,
      "cash_advance_rate_pct": 15.49,
      "intro_purchase_rate_pct": null,
      "intro_purchase_months": null,
      "interest_free_days": 50,
      "annual_fee": 50.0,
      "fee_period": "annual",
      "fee_as_stated": 50.0,
      "annual_fee_stated": true,
      "first_year_fee_waived": false,
      "foreign_transaction_fee_pct": 3.0,
      "bt_promo_rate_pct": null,
      "bt_promo_months": null,
      "bt_fee_pct": null,
      "bt_revert_rate_pct": null,
      "rewards_program": null,
      "rewards_program_fee": null,
      "bonus_offer": null,
      "insurances": [],
      "min_credit_limit": 1000.0,
      "max_credit_limit": 75000.0,
      "min_income": null,
      "conditions": [
        "credit limit $1,000 to $75,000"
      ],
      "restrictions": [],
      "source_kind": "feed",
      "record_stale": false,
      "product_url": "https://www.unity.bank/reusable-documents/disclosure-documents/account-and-access-facility-conditions-of-use/",
      "terms_url": "https://www.unity.bank/reusable-documents/disclosure-documents/account-and-access-facility-conditions-of-use/",
      "key_facts_sheet_url": null,
      "bank_last_updated": "2026-09-14T10:49:01.000+10:00",
      "from_issuer_page": null
    },
    {
      "rank": 4,
      "brand_label": "Police Credit Union",
      "brand_slug": "police-credit-union-ltd",
      "product_label": "SoLo Credit Card",
      "page": "/au/finance/credit-cards/cards/police-credit-union-ltd/solo-credit-card/",
      "card_type": "credit",
      "scheme": null,
      "purchase_rate_pct": 8.74,
      "purchase_rate_range_pct": null,
      "no_interest_card": null,
      "cash_advance_rate_pct": 8.74,
      "intro_purchase_rate_pct": null,
      "intro_purchase_months": null,
      "interest_free_days": 0,
      "annual_fee": 0,
      "fee_period": "annual",
      "fee_as_stated": 0,
      "annual_fee_stated": true,
      "first_year_fee_waived": false,
      "foreign_transaction_fee_pct": null,
      "bt_promo_rate_pct": null,
      "bt_promo_months": null,
      "bt_fee_pct": null,
      "bt_revert_rate_pct": null,
      "rewards_program": null,
      "rewards_program_fee": null,
      "bonus_offer": null,
      "insurances": [],
      "min_credit_limit": 1000.0,
      "max_credit_limit": 10000,
      "min_income": null,
      "conditions": [
        "corrected from the bank's own page: only current and former Police Credit Union personal loan and home loan borrowers may apply; no annual fee, no interest-free period and limits of $1,000 to $10,000, per the credit union's rate schedule on 2026-10-24; 8.74% on purchases, unchanged in the rate schedule as at 1 November 2026 (checked 2026-10-30)",
        "late payment fee $15 at 21 days in arrears and $25 at 35 days"
      ],
      "restrictions": [
        "limited_eligibility"
      ],
      "source_kind": "feed",
      "record_stale": false,
      "product_url": "https://www.policecu.com.au/product-type/credit-cards/",
      "terms_url": "https://www.policecu.com.au/PCUDocuments/Terms_and_Conditions_Credit_Card.pdf",
      "key_facts_sheet_url": "https://www.policecu.com.au/PCUDocuments/Credit_Card_Key_Fact_Sheet.pdf",
      "bank_last_updated": "2026-04-27T11:33:53.000+09:30",
      "from_issuer_page": [
        {
          "source": "correction",
          "fields": [
            "annual_fee",
            "interest_free_days",
            "max_credit_limit",
            "restrictions"
          ],
          "confirmed": "2026-11-12",
          "url": "https://www.policecu.com.au/PCUDocuments/LOC_Credit_Cards_Interest_Rates.pdf#page=1",
          "quote": "Only current and former PCU personal loan / home loan borrowers are eligible for SoLo"
        }
      ]
    },
    {
      "rank": 5,
      "brand_label": "Defence Bank",
      "brand_slug": "defence-bank",
      "product_label": "Foundation Credit Card",
      "page": "/au/finance/credit-cards/cards/defence-bank/foundation-credit-card/",
      "card_type": "credit",
      "scheme": "visa",
      "purchase_rate_pct": 8.99,
      "purchase_rate_range_pct": null,
      "no_interest_card": null,
      "cash_advance_rate_pct": 8.99,
      "intro_purchase_rate_pct": 3.99,
      "intro_purchase_months": 6,
      "interest_free_days": 55,
      "annual_fee": 45.0,
      "fee_period": "annual",
      "fee_as_stated": 45.0,
      "annual_fee_stated": true,
      "first_year_fee_waived": false,
      "foreign_transaction_fee_pct": 3.0,
      "bt_promo_rate_pct": 3.99,
      "bt_promo_months": 6,
      "bt_fee_pct": null,
      "bt_revert_rate_pct": 8.99,
      "rewards_program": null,
      "rewards_program_fee": null,
      "bonus_offer": null,
      "insurances": [],
      "min_credit_limit": null,
      "max_credit_limit": null,
      "min_income": null,
      "conditions": [
        "corrected from the bank's own page: 8.99% on purchases and cash advances, a $45 annual fee, and 3.99% for the first six months on purchases, balance transfers and cash advances (rates current as at 15 July 2026)",
        "the feed labels the card's rate as a variable rate rather than a purchase rate",
        "3.99% on purchases for the first 6 months, then the purchase rate",
        "$20 late payment fee; cash advance fee from $4.10"
      ],
      "restrictions": [],
      "source_kind": "feed",
      "record_stale": false,
      "product_url": "https://www.defencebank.com.au/creditcard",
      "terms_url": "https://www.defencebank.com.au/globalassets/documents/legal--compliance/disclosure-documents/defence-bank-products-and-services-conditions-of-use.pdf",
      "key_facts_sheet_url": "https://www.defencebank.com.au/globalassets/documents/credit-cards/defence-bank-foundation-credit-card---key-facts-sheet.pdf",
      "bank_last_updated": "2026-03-16T00:00:00.000+11:00",
      "from_issuer_page": [
        {
          "source": "correction",
          "fields": [
            "cash_advance_rate_pct",
            "bt_promo_rate_pct",
            "bt_promo_months",
            "bt_revert_rate_pct"
          ],
          "confirmed": "2026-11-12",
          "url": "https://www.defencebank.com.au/creditcard#:~:text=3.99%25%20p.a.%20six%20month%20introductory,transfers%2C%20purchases%20and%20cash%20advances",
          "quote": "3.99% p.a. six month introductory rate on balance transfers, purchases and cash advances"
        }
      ]
    },
    {
      "rank": 6,
      "brand_label": "Auswide Bank",
      "brand_slug": "auswide-bank-ltd",
      "product_label": "Low Rate Visa Credit Card",
      "page": "/au/finance/credit-cards/cards/auswide-bank-ltd/low-rate-visa-credit-card/",
      "card_type": "credit",
      "scheme": "visa",
      "purchase_rate_pct": 9.74,
      "purchase_rate_range_pct": null,
      "no_interest_card": null,
      "cash_advance_rate_pct": 9.74,
      "intro_purchase_rate_pct": null,
      "intro_purchase_months": null,
      "interest_free_days": 55,
      "annual_fee": 50.0,
      "fee_period": "annual",
      "fee_as_stated": 50.0,
      "annual_fee_stated": true,
      "first_year_fee_waived": false,
      "foreign_transaction_fee_pct": null,
      "bt_promo_rate_pct": null,
      "bt_promo_months": null,
      "bt_fee_pct": null,
      "bt_revert_rate_pct": null,
      "rewards_program": null,
      "rewards_program_fee": null,
      "bonus_offer": null,
      "insurances": [],
      "min_credit_limit": 500.0,
      "max_credit_limit": 50000.0,
      "min_income": null,
      "conditions": [
        "credit limit $500 to $50,000",
        "$20 late payment fee",
        "3% currency conversion fee on transactions not in Australian dollars",
        "$3.50 fee per cash advance",
        "0% balance transfers for 12 months, reverting to the purchase rate; no interest-free days on purchases while a balance transfer is owed"
      ],
      "restrictions": [],
      "source_kind": "feed",
      "record_stale": false,
      "product_url": "https://auswidebank.com.au/banking/credit-cards/low-rate-visa-credit-card/",
      "terms_url": "https://auswidebank.com.au/reusable-documents/terms-conditions-and-disclosure-documents/credit-cards-low-rate-visa/low-rate-visa-credit-card-terms-conditions/",
      "key_facts_sheet_url": "https://auswidebank.com.au/reusable-documents/fees-charges/credit-cards/credit-card-key-fact-sheet-0623/",
      "bank_last_updated": "2026-06-24T16:11:08.000+10:00",
      "from_issuer_page": null
    },
    {
      "rank": 7,
      "brand_label": "Westpac",
      "brand_slug": "westpac",
      "product_label": "Lite Card",
      "page": "/au/finance/credit-cards/cards/westpac/lite-card/",
      "card_type": "credit",
      "scheme": "mastercard",
      "purchase_rate_pct": 9.9,
      "purchase_rate_range_pct": null,
      "no_interest_card": null,
      "cash_advance_rate_pct": null,
      "intro_purchase_rate_pct": null,
      "intro_purchase_months": null,
      "interest_free_days": 45,
      "annual_fee": 108.0,
      "fee_period": "monthly",
      "fee_as_stated": 9.0,
      "annual_fee_stated": true,
      "first_year_fee_waived": false,
      "foreign_transaction_fee_pct": 0.0,
      "bt_promo_rate_pct": null,
      "bt_promo_months": null,
      "bt_fee_pct": null,
      "bt_revert_rate_pct": null,
      "rewards_program": null,
      "rewards_program_fee": null,
      "bonus_offer": null,
      "insurances": [],
      "min_credit_limit": 1000.0,
      "max_credit_limit": 20000.0,
      "min_income": 30000.0,
      "conditions": [
        "credit limit $1,000 to $20,000",
        "minimum income $30,000 a year",
        "Customer having a regular, verifiable Australian taxable income.",
        "Customer having a fixed, verifiable residential address in Australia.",
        "cash advances not available",
        "balance transfers not available",
        "from 30 November 2026: purchase rate 9.90% to 11.99%, card fee $9 to $10 a month, minimum payment 2.5% or $25",
        "card fee rises to $10 a month from 30 November 2026"
      ],
      "restrictions": [],
      "source_kind": "feed",
      "record_stale": false,
      "product_url": "https://www.westpac.com.au/credit-cards/low-rate-cards/westpac-lite-card",
      "terms_url": "https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/westpac-credit-card-terms-and-conditions.pdf",
      "key_facts_sheet_url": "https://www.westpac.com.au/credit-cards/credit-cards-fact-sheet",
      "bank_last_updated": "2026-10-29T02:41:55Z",
      "from_issuer_page": null
    },
    {
      "rank": 8,
      "brand_label": "Greater Bank",
      "brand_slug": "greater-bank",
      "product_label": "Visa Credit Card",
      "page": "/au/finance/credit-cards/cards/greater-bank/visa-credit-card/",
      "card_type": "credit",
      "scheme": "visa",
      "purchase_rate_pct": 9.95,
      "purchase_rate_range_pct": null,
      "no_interest_card": null,
      "cash_advance_rate_pct": 9.95,
      "intro_purchase_rate_pct": null,
      "intro_purchase_months": null,
      "interest_free_days": 55,
      "annual_fee": 49.0,
      "fee_period": "annual",
      "fee_as_stated": 49.0,
      "annual_fee_stated": true,
      "first_year_fee_waived": false,
      "foreign_transaction_fee_pct": null,
      "bt_promo_rate_pct": null,
      "bt_promo_months": null,
      "bt_fee_pct": null,
      "bt_revert_rate_pct": null,
      "rewards_program": null,
      "rewards_program_fee": null,
      "bonus_offer": null,
      "insurances": [],
      "min_credit_limit": 1000.0,
      "max_credit_limit": 25000.0,
      "min_income": null,
      "conditions": [
        "credit limit $1,000 to $25,000",
        "Applicants must meet applicable identification requirements and lending criteria, including demonstrating an ability to afford repayments.",
        "employment status: Have a demonstrated ability to afford repayments"
      ],
      "restrictions": [],
      "source_kind": "feed",
      "record_stale": false,
      "product_url": "https://www.greater.com.au/personal/credit-cards/visa-credit-card/",
      "terms_url": "https://www.greater.com.au/termsandconditions",
      "key_facts_sheet_url": null,
      "bank_last_updated": "2026-11-04T13:00:00Z",
      "from_issuer_page": null
    },
    {
      "rank": 9,
      "brand_label": "Bank of us",
      "brand_slug": "bank-of-us",
      "product_label": "Visa Credit Card",
      "page": "/au/finance/credit-cards/cards/bank-of-us/visa-credit-card/",
      "card_type": "credit",
      "scheme": "visa",
      "purchase_rate_pct": 9.99,
      "purchase_rate_range_pct": null,
      "no_interest_card": null,
      "cash_advance_rate_pct": 9.99,
      "intro_purchase_rate_pct": null,
      "intro_purchase_months": null,
      "interest_free_days": 58,
      "annual_fee": 39.0,
      "fee_period": "annual",
      "fee_as_stated": 39.0,
      "annual_fee_stated": true,
      "first_year_fee_waived": false,
      "foreign_transaction_fee_pct": 2.5,
      "bt_promo_rate_pct": null,
      "bt_promo_months": null,
      "bt_fee_pct": null,
      "bt_revert_rate_pct": null,
      "rewards_program": null,
      "rewards_program_fee": null,
      "bonus_offer": null,
      "insurances": [],
      "min_credit_limit": 500.0,
      "max_credit_limit": 50000.0,
      "min_income": null,
      "conditions": [
        "corrected from the bank's own page: new customers must be existing Tasmanian residents, per the bank's cards page on 2026-10-24; 9.99% on purchases per the bank's rates page (checked 2026-10-30)",
        "credit limit $500 to $50,000",
        "$20 late payment fee",
        "$5 fee for a cash advance at an overseas ATM"
      ],
      "restrictions": [
        "limited_eligibility"
      ],
      "source_kind": "feed",
      "record_stale": false,
      "product_url": "https://bankofus.com.au/cards",
      "terms_url": "https://bankofus.com.au/source-assets/documents/compliance/61525-Bank-of-Us-Conditions-of-Use-Visa-Credit-Credit-Card-36PP-Cover1Dec2020.pdf",
      "key_facts_sheet_url": "https://bankofus.com.au/source-assets/documents/compliance/Credit-Card-Key-Fact-Sheet_15.02.2022.pdf",
      "bank_last_updated": "2026-04-13T22:42:12.000+10:00",
      "from_issuer_page": [
        {
          "source": "correction",
          "fields": [
            "restrictions"
          ],
          "confirmed": "2026-11-12",
          "url": "https://bankofus.com.au/cards#:~:text=we%20can%27t%20offer%20this%20product,are%20not%20existing%20Tasmanian%20residents",
          "quote": "we can't offer this product to new customers who are not existing Tasmanian residents"
        }
      ]
    },
    {
      "rank": 10,
      "brand_label": "Community First Bank",
      "brand_slug": "commfcu",
      "product_label": "Low Rate Credit Card",
      "page": "/au/finance/credit-cards/cards/commfcu/low-rate-credit-card/",
      "card_type": "credit",
      "scheme": "visa",
      "purchase_rate_pct": 9.99,
      "purchase_rate_range_pct": null,
      "no_interest_card": null,
      "cash_advance_rate_pct": 9.99,
      "intro_purchase_rate_pct": null,
      "intro_purchase_months": null,
      "interest_free_days": 55,
      "annual_fee": 50.0,
      "fee_period": "annual",
      "fee_as_stated": 50.0,
      "annual_fee_stated": true,
      "first_year_fee_waived": false,
      "foreign_transaction_fee_pct": 3.0,
      "bt_promo_rate_pct": null,
      "bt_promo_months": null,
      "bt_fee_pct": null,
      "bt_revert_rate_pct": null,
      "rewards_program": null,
      "rewards_program_fee": null,
      "bonus_offer": null,
      "insurances": [],
      "min_credit_limit": 500.0,
      "max_credit_limit": null,
      "min_income": null,
      "conditions": [
        "interest is charged on purchases while a balance transfer is outstanding",
        "Australian citizen or permanent resident with a regular income, more than 6 months in the current job, no defaults in 5 years, not bankrupt",
        "Australian citizen or permanent resident only"
      ],
      "restrictions": [],
      "source_kind": "feed",
      "record_stale": false,
      "product_url": "https://communityfirst.com.au/personal/banking/credit-cards",
      "terms_url": "https://communityfirst.com.au/support/important-information/disclosure-documents",
      "key_facts_sheet_url": "https://cms.communityfirst.com.au/wp-content/uploads/2026/08/Low-Rate-Credit-Card-Key-Fact-Sheet_20260901.pdf",
      "bank_last_updated": "2026-10-06T15:31:28.000+11:00",
      "from_issuer_page": null
    }
  ]
}