{
  "snapshot_at": "2026-11-13T01:42:26Z",
  "brand": "Queensland Country Bank",
  "brand_slug": "queensland-country-bank",
  "product_id": "21",
  "cdr_url": "https://public.cdr-api.queenslandcountry.bank/cds-au/v1/banking/products/21",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://public.cdr-api.queenslandcountry.bank/cds-au/v1/banking/products/21'",
  "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": {
    "productId": "21",
    "effectiveFrom": "2015-06-30T14:30:00.0000000Z",
    "lastUpdated": "2026-11-13T00:00:23.8091263Z",
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "name": "Business Platinum",
    "description": "Our Business Platinum Account is ideal if you have high volume transaction needs or are considering an overdraft facility",
    "brand": "Queensland Country Bank",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.queenslandcountry.bank/business-banking/business-accounts/business-platinum-account/",
      "termsUri": "https://www.queenslandcountry.bank/siteassets/documents/brochures/brochure_account-access-facility.pdf",
      "feesAndPricingUri": "https://www.queenslandcountry.bank/siteassets/documents/brochures/brochure_fees-charges.pdf"
    },
    "cardArt": [
      {
        "cardScheme": "VISA",
        "cardType": "DEBIT",
        "title": "Brisbane Heat Debit Card",
        "imageUri": "https://www.queenslandcountry.bank/siteassets/images/product-pages/card-designs/visadebitbrisbane-heat.jpg"
      },
      {
        "cardScheme": "VISA",
        "cardType": "DEBIT",
        "title": "Pink Debit Card",
        "imageUri": "https://www.queenslandcountry.bank/siteassets/images/product-pages/card-designs/visadebit-pink.jpg"
      },
      {
        "cardScheme": "VISA",
        "cardType": "DEBIT",
        "title": "Teal Debit Card",
        "imageUri": "https://www.queenslandcountry.bank/siteassets/images/product-pages/card-designs/visadebit-teal.jpg"
      },
      {
        "cardScheme": "VISA",
        "cardType": "DEBIT",
        "title": "White Debit Card",
        "imageUri": "https://www.queenslandcountry.bank/siteassets/images/product-pages/card-designs/visadebit-white.jpg"
      },
      {
        "cardScheme": "VISA",
        "cardType": "DEBIT",
        "title": "Yellow Debit Card",
        "imageUri": "https://www.queenslandcountry.bank/siteassets/images/product-pages/card-designs/visadebit-yellow.jpg"
      }
    ],
    "features": [
      {
        "featureType": "ADDITIONAL_CARDS"
      },
      {
        "featureType": "CARD_ACCESS",
        "additionalValue": "Visa Debit Card"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "APPLE PAY",
        "additionalInfo": "Pay faster, easier and more securely with Apple Pay. Apple Pay eligibility restrictions may apply."
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "GOOGLE PAY",
        "additionalInfo": "Pay faster, easier and more securely with Google Pay. Google Pay eligibility restrictions may apply."
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "SAMSUNG PAY",
        "additionalInfo": "Pay faster, easier and more securely with Samsung Pay. Samsung Pay eligibility restrictions may apply."
      },
      {
        "featureType": "FREE_TXNS",
        "additionalValue": "40",
        "additionalInfo": "Transactions included in this limit comprise 'Everyday Transactions' for business accounts as provided in the Fees and Charges brochure",
        "additionalInfoUri": "https://www.queenslandcountry.bank/siteassets/documents/brochures/brochure_fees-charges.pdf"
      },
      {
        "featureType": "OVERDRAFT",
        "additionalInfo": "An overdraft facility can be considered for this product"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "BUSINESS"
      }
    ],
    "fees": [
      {
        "name": "Overseas Purchase Fee",
        "feeType": "TRANSACTION",
        "feeMethodUType": "rateBased",
        "rateBased": {
          "rateType": "TRANSACTION",
          "rate": "0.0365",
          "amountRange": {}
        },
        "currency": "AUD",
        "additionalInfo": "Charged as a percentage of the foreign currency transaction value"
      },
      {
        "name": "Disputed Transaction Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "35.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Direct Entry Recall of Funds",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "40.00"
        },
        "currency": "AUD",
        "additionalInfo": "Applies to Direct Debit, Direct Credit and OSKO payments"
      },
      {
        "name": "DE Mistaken Payment Return Req",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "50.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Monthly Account Service Fee",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "4.00"
        },
        "currency": "AUD",
        "additionalValue": "P1M",
        "discounts": [
          {
            "description": "Fee Waiver",
            "discountType": "BALANCE",
            "discountMethodUType": "rateBased",
            "rateBased": {
              "rateType": "FEE",
              "rate": "1.0",
              "amountRange": {}
            },
            "additionalValue": "20000.00",
            "additionalInfo": "Monthly Account Service Fee is waived if minimum monthly balance is over $20,000"
          },
          {
            "description": "A business or other non-person legal entity",
            "discountType": "ELIGIBILITY_ONLY",
            "discountMethodUType": "rateBased",
            "rateBased": {
              "rateType": "FEE",
              "rate": "1.0",
              "amountRange": {}
            },
            "eligibility": [
              {
                "discountEligibilityType": "BUSINESS"
              }
            ]
          },
          {
            "description": "Dormant Account",
            "discountType": "ELIGIBILITY_ONLY",
            "discountMethodUType": "rateBased",
            "rateBased": {
              "rateType": "FEE",
              "rate": "1.0",
              "amountRange": {}
            },
            "eligibility": [
              {
                "discountEligibilityType": "OTHER",
                "additionalInfo": "Monthly Account Service Fee is waived for accounts in a dormant status"
              }
            ]
          },
          {
            "description": "Fee Waiver",
            "discountType": "ELIGIBILITY_ONLY",
            "discountMethodUType": "rateBased",
            "rateBased": {
              "rateType": "FEE",
              "rate": "1.0",
              "amountRange": {}
            },
            "eligibility": [
              {
                "discountEligibilityType": "OTHER",
                "additionalInfo": "Monthly Account Service Fee is waived for non-profit organisations if conditions are met"
              }
            ]
          }
        ]
      },
      {
        "name": "Honour Charge",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "8.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Dishonour Insuff. Funds",
        "feeType": "DISHONOUR",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "8.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Dormant Account Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "15.00"
        },
        "currency": "AUD",
        "additionalInfo": "Charged on Closure of Dormant Account"
      },
      {
        "name": "RTGS Payment Received Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "7.20"
        },
        "currency": "AUD"
      },
      {
        "name": "Transaction Fees",
        "feeType": "OTHER",
        "feeMethodUType": "variable",
        "variable": {},
        "currency": "AUD",
        "additionalInfo": "Refer to our Fees and Charges brochure for information on other transactions which may attract fees and charges",
        "additionalInfoUri": "https://www.queenslandcountry.bank/siteassets/documents/brochures/brochure_fees-charges.pdf"
      },
      {
        "name": "Transaction Investigation Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "15.00"
        },
        "currency": "AUD"
      }
    ],
    "depositRates": [
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "Floating",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "0.00",
            "maximumValue": "4999.99",
            "rateApplicationMethod": "PER_TIER"
          }
        ]
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0001",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "USER-INPUT-RATE/1",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "5000.00",
            "rateApplicationMethod": "PER_TIER"
          }
        ]
      }
    ]
  }
}