{
  "snapshot_at": "2026-10-22T13:25:35Z",
  "brand": "Qudos Bank",
  "brand_slug": "qudos-bank",
  "product_id": "d1b7df1e-f639-4fbd-872b-6d76ce0b39a9",
  "cdr_url": "https://public.cdr.qudosbank.com.au/cds-au/v1/banking/products/d1b7df1e-f639-4fbd-872b-6d76ce0b39a9",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://public.cdr.qudosbank.com.au/cds-au/v1/banking/products/d1b7df1e-f639-4fbd-872b-6d76ce0b39a9'",
  "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": {
    "additionalInformation": {
      "eligibilityUri": "https://www.qudosbank.com.au/products/savings-accounts/qantas-points-saver",
      "feesAndPricingUri": "https://www.qudosbank.com.au/products/savings-accounts/qantas-points-saver",
      "overviewUri": "https://www.qudosbank.com.au/products/savings-accounts/qantas-points-saver",
      "termsUri": "https://www.qudosbank.com.au/support/legal/new-to-bank-terms-and-conditions"
    },
    "applicationUri": "https://join.qudosbank.com.au/#/welcome?productcode=126",
    "brand": "Qudos Bank",
    "description": "Saving has never been more rewarding. Earn more than just interest, plus get a complimentary Qantas Frequent Flyer membership*.",
    "effectiveFrom": "2013-01-21T13:30:00.000Z",
    "isTailored": false,
    "lastUpdated": "2026-10-14T21:00:22.805Z",
    "name": "Qantas Points Saver",
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "productId": "d1b7df1e-f639-4fbd-872b-6d76ce0b39a9",
    "depositRates": [
      {
        "additionalInfoUri": "https://www.qudosbank.com.au/products/savings-accounts/qantas-points-saver",
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "depositRateType": "VARIABLE",
        "rate": "0.045"
      }
    ],
    "eligibility": [
      {
        "additionalInfo": "Qantas Point Saver is only available to personal members",
        "eligibilityType": "NATURAL_PERSON"
      },
      {
        "additionalInfo": "One personal account or one personal joint account per person can be applied",
        "additionalInfoUri": "https://www.qudosbank.com.au/products/savings-accounts/qantas-points-saver",
        "eligibilityType": "OTHER"
      },
      {
        "additionalInfo": "This product is only available to members who have a residential address in Australia.",
        "additionalValue": "Australian Resident",
        "eligibilityType": "RESIDENCY_STATUS"
      }
    ],
    "features": [
      {
        "additionalInfo": "Receive a complimentary Qantas Frequent Flyer membership",
        "additionalValue": "Qantas Frequent Flyer",
        "featureType": "LOYALTY_PROGRAM"
      },
      {
        "additionalInfo": "No penalties for withdrawing funds",
        "featureType": "OTHER"
      },
      {
        "additionalInfo": "Qantas Points can be earned on balances up to $1,000,000",
        "featureType": "OTHER"
      },
      {
        "additionalInfo": "Earn 400 Qantas Points* per annum for every $1000 of your balance, credited monthly",
        "featureType": "OTHER"
      },
      {
        "additionalValue": "BPAY",
        "featureType": "BILL_PAYMENT"
      },
      {
        "additionalInfo": "Access via Online Banking or App",
        "featureType": "DIGITAL_BANKING"
      },
      {
        "additionalInfo": "Set up direct debits and direct credits",
        "featureType": "OTHER"
      },
      {
        "featureType": "NPP_ENABLED"
      },
      {
        "featureType": "NPP_PAYID"
      }
    ],
    "fees": [
      {
        "feeMethodUType": "fixedAmount",
        "feeType": "UPFRONT",
        "fixedAmount": {
          "amount": "0.00"
        },
        "name": "Application Fee"
      },
      {
        "additionalInfo": "This fee applies to each SMS Banking \nmessage sent to your mobile phone. \nThe fee will be debited to your main savings account (S0) at \nthe time the SMS is sent. Your telecommunications provider \nmay also charge you a fee for sending and receiving SMS.\nNote: This service is not to be mistaken with QSafe \nSMS Authentication – which is a free service.",
        "feeMethodUType": "fixedAmount",
        "feeType": "EVENT",
        "fixedAmount": {
          "amount": "0.25"
        },
        "name": "SMS Banking Requests"
      },
      {
        "additionalInfo": "This fee applies to telegraphic transfers on behalf of Members, \narranged via Westpac. This fee will be charged at the time of \nthe transfer",
        "additionalInfoUri": "https://www.qudosbank.com.au/documents/fees-charges",
        "feeMethodUType": "fixedAmount",
        "feeType": "EVENT",
        "fixedAmount": {
          "amount": "20.00"
        },
        "name": "Domestic Telegraphic Transfer"
      },
      {
        "additionalInfo": "At the request of Members, we can \nprovide certain foreign exchange and \npayment services. We may receive a \ncommission for providing these services \nto you, refer to our FSG for details. ",
        "feeMethodUType": "fixedAmount",
        "feeType": "EVENT",
        "fixedAmount": {
          "amount": "10.00"
        },
        "name": "International telegraphic transfer online"
      },
      {
        "feeMethodUType": "fixedAmount",
        "feeType": "EVENT",
        "fixedAmount": {
          "amount": "30.00"
        },
        "name": "International telegraphic transfers phone or email assisted  (sent in foreign currency)"
      },
      {
        "additionalInfo": "This fee is applied for each cheque deposited to a Member's account which is subsequently rejected. This fee will be charged at the time of the rejection.",
        "feeMethodUType": "fixedAmount",
        "feeType": "DEPOSIT",
        "fixedAmount": {
          "amount": "15.00"
        },
        "name": "Inward cheque rejection fee"
      },
      {
        "feeMethodUType": "fixedAmount",
        "feeType": "EVENT",
        "fixedAmount": {
          "amount": "0.00"
        },
        "name": "Electronic debit rejection fee"
      },
      {
        "additionalInfo": "This fee is applied if one or more savings accounts under a member number have been classified as dormant. An account is classified as dormant if there have been no member-initiated transactions for 12 months and we have followed the procedures required by our Constitution. This fee is charged annually per member and is typically applied at the start of each calendar year.",
        "additionalValue": "P1Y",
        "feeMethodUType": "fixedAmount",
        "feeType": "PERIODIC",
        "fixedAmount": {
          "amount": "10.00"
        },
        "name": "Dormant Accounts"
      },
      {
        "additionalInfo": "This fee is applied when a Member requests a copy of a statement \non an account for a period more than 3 months before the request. \nThere is no charge for copies of statements less than 3 months \nold. This fee will be charged at the time the copy is provided.",
        "feeMethodUType": "fixedAmount",
        "feeType": "EVENT",
        "fixedAmount": {
          "amount": "5.00"
        },
        "name": "Statement Copies"
      },
      {
        "additionalInfo": "No charge applies for copies of documents such as loan or withdrawal forms.",
        "feeMethodUType": "fixedAmount",
        "feeType": "EVENT",
        "fixedAmount": {
          "amount": "0.00"
        },
        "name": "Copies of documents other than statements"
      },
      {
        "additionalInfo": "This fee applies to foreign cheques deposited on behalf of \nMembers, via Convera. This fee will be charged at the time \nof the deposit.",
        "feeMethodUType": "fixedAmount",
        "feeType": "EVENT",
        "fixedAmount": {
          "amount": "50.00"
        },
        "name": "Foreign Cheque Deposits AUD$5,000 and over"
      },
      {
        "additionalInfo": "This fee applies to foreign cheques deposited on behalf of \nMembers, via Convera. This fee will be charged at the time \nof the deposit.",
        "feeMethodUType": "fixedAmount",
        "feeType": "EVENT",
        "fixedAmount": {
          "amount": "20.00"
        },
        "name": "Foreign Cheque Deposits under AUD$5000"
      },
      {
        "additionalValue": "P1Y",
        "feeMethodUType": "fixedAmount",
        "feeType": "PERIODIC",
        "fixedAmount": {
          "amount": "0.00"
        },
        "name": "Account Keeping Fee"
      }
    ]
  }
}