{
  "snapshot_at": "2026-11-13T01:41:27Z",
  "brand": "CommBank",
  "brand_slug": "commbank",
  "product_id": "7375f63775b4489a890655e25395e12d",
  "cdr_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/7375f63775b4489a890655e25395e12d",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://api.commbank.com.au/public/cds-au/v1/banking/products/7375f63775b4489a890655e25395e12d'",
  "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": "Debit Mastercard",
        "additionalInfo": "Use instore, online and withdraw local currency at millions of locations, everywhere Mastercard is accepted. Choose a Debit Mastercard with your CommBank account and pay for things using your card, smartphone or wearable. You may receive access to other features and benefits associated with your Debit Mastercard subject to eligibility, approval and terms and conditions.",
        "additionalInfoUri": "https://www.commbank.com.au/banking/debit-mastercard.html"
      },
      {
        "featureType": "ADDITIONAL_CARDS",
        "additionalInfo": "We may limit the number of cards that may be issued or linked to a single account or customer profile."
      },
      {
        "featureType": "BILL_PAYMENT",
        "additionalValue": "BPAY View",
        "additionalInfo": "See, track and easily pay your bills online in NetBank or on the go in the CommBank app.",
        "additionalInfoUri": "https://www.commbank.com.au/digital-banking/bpay-view.html"
      },
      {
        "featureType": "CARD_ACCESS",
        "additionalValue": "Platinum Debit Mastercard",
        "additionalInfo": "Platinum Debit Mastercard is a premium debit card that can be linked to your CommBank transaction account and can be used everywhere Mastercard is accepted. Enjoy additional exclusive features and benefits, including complementary purchase protections, with the Platinum Debit Mastercard, subject to eligibility, approval, and terms and conditions.",
        "additionalInfoUri": "https://www.commbank.com.au/banking/platinum-debit-upgrade.html"
      },
      {
        "featureType": "CARD_ACCESS",
        "additionalValue": "World Debit Mastercard",
        "additionalInfo": "World Debit Mastercard is a premium debit card that can be linked to your CommBank transaction account and can be used everywhere Mastercard is accepted. Earn CommBank Yello points on eligible purchases using your World Debit Mastercard. The earning and redemption of CommBank Yello points are subject to meeting the eligibility criteria, including holding an eligible transaction account, as well as the applicable CommBank Yello terms and conditions. You may also enjoy additional exclusive features and benefits, including complimentary insurances and purchase protections, with the World Debit Mastercard, subject to eligibility, approval, and terms and conditions. Fees apply.",
        "additionalInfoUri": "https://www.commbank.com.au/banking/debit-cards/world-debit-mastercard.html"
      },
      {
        "featureType": "CARD_ACCESS",
        "additionalValue": "Link to Existing Card"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Securely lock your debit card in the CommBank app when you need to. And unlock it again when you don't.",
        "additionalInfoUri": "https://www.commbank.com.au/digital-banking/lock-your-debit-card.html"
      },
      {
        "featureType": "LOYALTY_PROGRAM",
        "additionalValue": "CommBank Yello",
        "additionalInfo": "CommBank Yello provides benefits for eligible CommBank customers, subject to terms and conditions. The earning and redemption of CommBank Yello Points are subject to meeting the eligibility criteria, including holding an eligible transaction account, as well as the applicable CommBank Yello terms and conditions.",
        "additionalInfoUri": "https://www.commbank.com.au/commbank-yello.html"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Access a range of travel benefits through Travel Booking (provided by Hopper) for eligible customers.",
        "additionalInfoUri": "https://www.commbank.com.au/travelbooking"
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "Wherever you are in the world, CommBank gives you the choice and control to securely manage all of your accounts on a range of devices, the way you want.",
        "additionalInfoUri": "https://www.commbank.com.au/digital-banking.html"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Apple Pay",
        "additionalInfo": "Pay with your Apple(TM) device using Apple Pay.",
        "additionalInfoUri": "https://www.commbank.com.au/digital-banking/mobile-payments-wearables/apple-pay.html"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "CommBank Tap and Pay",
        "additionalInfo": "Pay with your Android(TM) phone using the CommBank app.",
        "additionalInfoUri": "https://www.commbank.com.au/digital-banking/tap-and-pay.html"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Fitbit Pay",
        "additionalInfo": "Pay with your Fitbit(TM) smartwatch using Fitbit Pay.",
        "additionalInfoUri": "https://www.commbank.com.au/digital-banking/mobile-payments-wearables/fitbit-pay.html"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Garmin Pay",
        "additionalInfo": "Pay with your Garmin(TM) smartwatch using Garmin Pay.",
        "additionalInfoUri": "https://www.commbank.com.au/digital-banking/mobile-payments-wearables/garmin-pay.html"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Google Pay",
        "additionalInfo": "Pay with your Android(TM) device using Google Pay.",
        "additionalInfoUri": "https://www.commbank.com.au/digital-banking/mobile-payments-wearables/google-pay.html"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Samsung Pay",
        "additionalInfo": "Pay with your Samsung(TM) device using Samsung Pay.",
        "additionalInfoUri": "https://www.commbank.com.au/digital-banking/mobile-payments-wearables/samsung-pay.html"
      },
      {
        "featureType": "NPP_PAYID",
        "additionalInfo": "Get faster payments between participating banks, anytime with a PayID.",
        "additionalInfoUri": "https://www.commbank.com.au/digital-banking/pay-id.html"
      },
      {
        "featureType": "NPP_ENABLED",
        "additionalInfo": "Pay and receive near real-time payments.",
        "additionalInfoUri": "https://www.commbank.com.au/digital-banking/pay-id.html"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "You are not required to have a card to use this product."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Manage payments from your bank account using PayTo.",
        "additionalInfoUri": "https://www.commbank.com.au/digital-banking/pay-to.html"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Use QR Cardless to withdraw cash or deposit notes, coins and cheques (subject to product eligibility) by using the latest version of the CommBank app to scan a QR code at a compatible CommBank ATM.",
        "additionalInfoUri": "https://www.commbank.com.au/digital-banking/qr-cardless.html"
      },
      {
        "featureType": "UNLIMITED_TXNS",
        "additionalInfo": "Unlimited CommBank electronic transactions.",
        "additionalInfoUri": "https://www.commbank.com.au/banking/pensioner-security.html#rates"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "55",
        "additionalInfo": "You must be at least 55 years old."
      },
      {
        "eligibilityType": "NATURAL_PERSON",
        "additionalInfo": "You must be least 55 years old."
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "For customers wanting to apply online, they will require an Australian residential address."
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "AU",
        "additionalInfo": "Australian Resident"
      }
    ],
    "fees": [
      {
        "name": "Unpaid cheque or debit fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.00"
        },
        "currency": "AUD",
        "additionalInfo": "When we dishonour a cheque or debit presented to us because there isn't enough money in your account. We may waive certain fees or charges at our discretion. The failure by us to charge any fee or charge does not constitute a waiver of that fee or charge in the future."
      },
      {
        "name": "Paper Transaction Listing Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "2.50"
        },
        "currency": "AUD",
        "additionalInfo": "A fee charged when you ask us to give you a paper copy of transaction listings."
      },
      {
        "name": "Account Fee",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "currency": "AUD",
        "additionalValue": "P1M"
      },
      {
        "name": "Paper Statement Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "currency": "AUD",
        "additionalInfo": "A fee charged when you ask us to give you a paper copy of past statements or ordered statements."
      },
      {
        "name": "Access fee - ASB Bank ATMs in NZ and overseas CommBank ATMs",
        "feeType": "WITHDRAWAL",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "2.00"
        },
        "currency": "AUD",
        "discounts": [
          {
            "description": "When you make an international purchase, or withdraw cash at an ATM overseas using an eligible World Debit card, the access fee will be $0.",
            "discountType": "ELIGIBILITY_ONLY",
            "discountMethodUType": "fixedAmount",
            "fixedAmount": {
              "amount": "2.00"
            },
            "eligibility": [
              {
                "discountEligibilityType": "OTHER",
                "additionalInfo": "Where you withdraw cash using an eligible World Debit Mastercard, the access fee will be $0."
              }
            ],
            "additionalInfoUri": "https://www.commbank.com.au/banking/world-debit-mastercard.html"
          }
        ],
        "additionalInfo": "When you take money out at ASB ATMs in NZ or CommBank ATMs outside Australia."
      },
      {
        "name": "Access fee - Other overseas cash and ATM withdrawals",
        "feeType": "WITHDRAWAL",
        "feeMethodUType": "rateBased",
        "rateBased": {
          "rateType": "TRANSACTION",
          "rate": "0.035",
          "amountRange": {
            "feeMinimum": "5.00"
          }
        },
        "currency": "AUD",
        "discounts": [
          {
            "description": "When you make an international purchase, or withdraw cash at an ATM overseas using an eligible World Debit card, the access fee will be $0.",
            "discountType": "ELIGIBILITY_ONLY",
            "discountMethodUType": "rateBased",
            "rateBased": {
              "rateType": "TRANSACTION",
              "rate": "0.035",
              "amountRange": {
                "discountMinimum": "5.00"
              }
            },
            "eligibility": [
              {
                "discountEligibilityType": "OTHER",
                "additionalInfo": "Where you withdraw cash using an eligible World Debit Mastercard, the access fee will be $0.",
                "additionalInfoUri": "https://www.commbank.com.au/banking/world-debit-mastercard.html"
              }
            ],
            "additionalInfoUri": "https://www.commbank.com.au/banking/world-debit-mastercard.html"
          }
        ],
        "additionalInfo": "Any other cash withdrawals overseas will incur a $5.00 fee plus 3.5% of the transaction value."
      },
      {
        "name": "Access fee - Overseas purchases",
        "feeType": "PURCHASE",
        "feeMethodUType": "rateBased",
        "rateBased": {
          "rateType": "TRANSACTION",
          "rate": "0.035"
        },
        "currency": "AUD",
        "discounts": [
          {
            "description": "When you make an international purchase, or withdraw cash at an ATM overseas using an eligible World Debit card, the access fee will be $0.",
            "discountType": "ELIGIBILITY_ONLY",
            "discountMethodUType": "rateBased",
            "rateBased": {
              "rateType": "TRANSACTION",
              "rate": "0.035"
            },
            "eligibility": [
              {
                "discountEligibilityType": "OTHER",
                "additionalInfo": "Where your international purchases are made using an eligible World Debit Mastercard, the access fee will be $0.",
                "additionalInfoUri": "https://www.commbank.com.au/banking/world-debit-mastercard.html"
              }
            ],
            "additionalInfoUri": "https://www.commbank.com.au/banking/world-debit-mastercard.html"
          }
        ],
        "additionalInfo": "Purchases made overseas or in Australia (e.g. online), where the merchant is located overseas or the financial institution or entity processing transaction is located overseas."
      },
      {
        "name": "Staff assisted withdrawals",
        "feeType": "WITHDRAWAL",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "currency": "AUD",
        "additionalInfo": "There is no charge when you take money out at a CommBank branch, a post office, agency, with telephone banking if using an operator or by cashing a cheque.",
        "additionalInfoUri": "https://www.commbank.com.au/content/dam/commbank/personal/apply-online/download-printed-forms/SavingsInvestment_ADB2852.pdf"
      },
      {
        "name": "Cheque negotiated fee",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "3.00"
        },
        "currency": "AUD",
        "discounts": [
          {
            "description": "We won't charge you a cheque negotiated fee.",
            "discountType": "ELIGIBILITY_ONLY",
            "discountMethodUType": "fixedAmount",
            "fixedAmount": {
              "amount": "3.00"
            },
            "eligibility": [
              {
                "discountEligibilityType": "OTHER",
                "additionalInfo": "You have a disability that requires you to use a branch (visit a branch to apply), then we won't charge you a cheque negotiated fee."
              }
            ],
            "additionalInfoUri": "https://www.commbank.com.au/important-info/personal.html#pii-bank-accounts"
          }
        ],
        "additionalInfo": "When you write a cheque that needs to be negotiated through the clearing system."
      },
      {
        "name": "Monthly card fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.00"
        },
        "currency": "AUD",
        "additionalInfo": "A monthly card fee for Debit Mastercard holders with an approved World Debit Mastercard.",
        "additionalInfoUri": "https://www.commbank.com.au/banking/world-debit-mastercard.html"
      }
    ],
    "depositRates": [
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0005",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P3M",
        "tiers": [
          {
            "name": "Amount",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "0.00",
            "maximumValue": "9999.99",
            "rateApplicationMethod": "PER_TIER"
          }
        ],
        "additionalInfo": "Paid on the portion of the balance that falls within each balance band. Rates are calculated daily and credited to your account quarterly in March, June, September and December.",
        "additionalInfoUri": "https://www.commbank.com.au/content/dam/commbank/personal/apply-online/download-printed-forms/TSI_interest_rates.pdf"
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0185",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P3M",
        "tiers": [
          {
            "name": "Amount",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "10000.00",
            "maximumValue": "49999.99",
            "rateApplicationMethod": "PER_TIER"
          }
        ],
        "additionalInfo": "Paid on the portion of the balance that falls within each balance band. Rates are calculated daily and credited to your account quarterly in March, June, September and December.",
        "additionalInfoUri": "https://www.commbank.com.au/content/dam/commbank/personal/apply-online/download-printed-forms/TSI_interest_rates.pdf"
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0235",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P3M",
        "tiers": [
          {
            "name": "Amount",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "50000.00",
            "maximumValue": "249999.99",
            "rateApplicationMethod": "PER_TIER"
          }
        ],
        "additionalInfo": "Paid on the portion of the balance that falls within each balance band. Rates are calculated daily and credited to your account quarterly in March, June, September and December.",
        "additionalInfoUri": "https://www.commbank.com.au/content/dam/commbank/personal/apply-online/download-printed-forms/TSI_interest_rates.pdf"
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0285",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P3M",
        "tiers": [
          {
            "name": "Amount",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "250000.00",
            "rateApplicationMethod": "PER_TIER"
          }
        ],
        "additionalInfo": "Paid on the portion of the balance that falls within each balance band. Rates are calculated daily and credited to your account quarterly in March, June, September and December.",
        "additionalInfoUri": "https://www.commbank.com.au/content/dam/commbank/personal/apply-online/download-printed-forms/TSI_interest_rates.pdf"
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.149",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P3M",
        "repaymentType": "UNCONSTRAINED",
        "loanPurpose": "OTHER",
        "additionalInfo": "The interest rate that applies to any overdrawn amounts. This is calculated daily and charged quarterly. CBA may waive any overdraw interest charges at its discretion.",
        "additionalInfoUri": "https://www.commbank.com.au/personal/apply-online/download-printed-forms/TSI_interest_rates.pdf"
      }
    ],
    "productId": "7375f63775b4489a890655e25395e12d",
    "lastUpdated": "2026-11-13T12:00:18.000Z",
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "name": "Pensioner Security Account",
    "description": "One convenient account for your transaction and savings needs - for customers aged 55 and above.",
    "brand": "CBA",
    "brandName": "CommBank",
    "applicationUri": "https://www.commbank.com.au/banking/pensioner-security.html#apply",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.commbank.com.au/banking/pensioner-security.html",
      "termsUri": "https://www.commbank.com.au/content/dam/commbank/personal/apply-online/download-printed-forms/SavingsInvestment_ADB2852.pdf",
      "eligibilityUri": "https://www.commbank.com.au/banking/pensioner-security.html#apply",
      "feesAndPricingUri": "https://www.commbank.com.au/banking/pensioner-security.html#rates"
    },
    "cardArt": [
      {
        "cardScheme": "MASTERCARD",
        "cardType": "DEBIT",
        "title": "Debit Mastercard",
        "imageUri": "https://www.commbank.com.au/content/dam/commbank-assets/open-banking/debit_master_card.png"
      },
      {
        "cardScheme": "MASTERCARD",
        "cardType": "DEBIT",
        "title": "World Debit Mastercard",
        "imageUri": "https://www.commbank.com.au/content/dam/commbank-assets/open-banking/world_debit_master_card.png"
      },
      {
        "cardScheme": "MASTERCARD",
        "cardType": "DEBIT",
        "title": "Platinum Debit Mastercard",
        "imageUri": "https://www.commbank.com.au/content/dam/commbank-assets/open-banking/platinum_debit_master_card.png"
      }
    ]
  }
}