{
  "source": "https://public.cdr.bankaust.com.au/cds-au/v1/banking/products/7f413f78-bbd6-4cd7-836b-04887d0e15dc",
  "note": "Product Reference Data published by the data holder under the Consumer Data Right, as cached by this site (refreshed every 6 hours).",
  "data": {
    "additionalInformation": {
      "feesAndPricingUri": "https://www.bankaust.com.au/support/disclosures",
      "overviewUri": "https://www.bankaust.com.au/banking/credit-cards/visa-credit-card",
      "termsUri": "https://www.bankaust.com.au/support/disclosures"
    },
    "brand": "Bank Australia",
    "cardArt": [
      {
        "imageUri": "https://cdn.bfldr.com/1R31Y8GR/at/wmvt8jb3gkghqnhkxrj8fxh/1_Credit.png?auto=webp&format=png",
        "cardType": "CREDIT",
        "cardScheme": "VISA"
      }
    ],
    "description": "No annual fee and interest fee days to reduce your card costs. Great for those who pay off their card in full each month.",
    "effectiveFrom": "2005-07-12T14:30:00.000Z",
    "isTailored": false,
    "lastUpdated": "2026-04-10T05:29:18.661Z",
    "name": "Visa Credit Card",
    "productCategory": "CRED_AND_CHRG_CARDS",
    "productId": "7f413f78-bbd6-4cd7-836b-04887d0e15dc",
    "fees": [
      {
        "rateBased": {
          "rateType": "TRANSACTION",
          "rate": "0.03"
        },
        "name": "International transaction fee (ITF)",
        "additionalInfo": "When you undertake an International transaction on a Bank Australia Visa Debit Card you will be charged the fee. An International transaction is any purchase, withdrawal or credit in a currency other than Australian Dollars or where the merchant or financial institution accepting the transaction is outside of Australia or where there is a currency conversion.",
        "currency": "AUD",
        "feeType": "TRANSACTION",
        "feeMethodUType": "rateBased"
      },
      {
        "name": "Visa emergency card/cash overseas fee",
        "additionalInfo": "A fee charged when you need an emergency replacement card or cash delivered to you on an urgent basis to an address overseas.",
        "currency": "USD",
        "fixedAmount": {
          "amount": "175.00"
        },
        "feeType": "REPLACEMENT",
        "feeMethodUType": "fixedAmount"
      },
      {
        "name": "Cash Advance Fee - Domestic",
        "additionalInfo": "A fee charged to any cash advance within Australia through all channels.",
        "currency": "AUD",
        "fixedAmount": {
          "amount": "3.50"
        },
        "feeType": "CASH_ADVANCE",
        "feeMethodUType": "fixedAmount"
      },
      {
        "name": "Cash Advance Fee - Overseas",
        "additionalInfo": "Applies to any cash advance made outside Australia, plus the International Transaction Fee (ITF)",
        "fixedAmount": {
          "amount": "3.50"
        },
        "feeType": "CASH_ADVANCE",
        "feeMethodUType": "fixedAmount"
      },
      {
        "name": "Annual Fee - Visa Credit Card",
        "currency": "AUD",
        "additionalValue": "P1Y",
        "fixedAmount": {
          "amount": "0.00"
        },
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount"
      },
      {
        "name": "Additional Cardholder Fee",
        "additionalInfo": "You can request that we allow someone else to have a card on your account at no charge",
        "currency": "AUD",
        "additionalValue": "P1Y",
        "fixedAmount": {
          "amount": "0.00"
        },
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "18"
      },
      {
        "additionalInfo": "Natural Person or In trust for a Natural Person or Non-Individual entity",
        "eligibilityType": "NATURAL_PERSON"
      },
      {
        "additionalInfo": "Each application for credit is subject to our normal lending criteria and approval.",
        "eligibilityType": "OTHER"
      },
      {
        "additionalInfo": "Available to citizens or permanent resident of Australia and valid Visa holders. Make sure you are currently in receipt of a regular income.",
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "AU"
      }
    ],
    "constraints": [
      {
        "additionalInfo": "Minimum Credit Limit of $1000 is required",
        "constraintType": "MIN_LIMIT",
        "additionalValue": "1000.00"
      }
    ],
    "features": [
      {
        "featureType": "ADDITIONAL_CARDS",
        "additionalInfo": "For greater convenience and flexibility you can share you Bank Australia credit card with 1 additional card holder provided they are at least 18 years old. The card will be in their name but you will remain responsible for the account.",
        "additionalValue": "1"
      },
      {
        "featureType": "CARD_ACCESS",
        "additionalInfo": "Use instore, online and withdraw local currency at millions of locations, everywhere Visa is accepted. Cards are enabled to support diverse needs with raised bumps on the left hand-side on the front face of the card.",
        "additionalValue": "Visa Credit Card"
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "You can self-serve your day-to-day banking needs via Bank Australia's App or Internet Banking."
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalInfo": "Leave your wallet behind and pay for the things you need with Google Pay/ Samsung Pay/ Apple Pay.",
        "additionalValue": "Google, Samsung and Apple Pay available"
      },
      {
        "featureType": "INTEREST_FREE",
        "additionalInfo": "Up to 55 days interest free days for purchases",
        "additionalValue": "P55D"
      },
      {
        "featureType": "NOTIFICATIONS",
        "additionalInfo": "Notifications can be enabled in the App or through Internet Banking, allowing you to be alerted either by email, sms or through the App about your card/account activity.",
        "additionalValue": "Card and Account Notifications"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Card Controls: Decide the features you want enabled on your card including card lock, digital wallet, pay wave, international transactions, ATM withdrawals or online/instore transactions and simply switch them on or off from your App or Internet Banking."
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "CASH_ADVANCE",
        "applicationType": "PERIODIC",
        "repaymentType": "OTHER",
        "rate": "0.1974",
        "applicationFrequency": "P1M",
        "additionalInfo": "Minimum monthly repayments of 2.5% or $20, whichever is greater. If the closing balance is less than $20, you must pay the full closing balance.\n",
        "loanPurpose": "OTHER",
        "calculationFrequency": "P1D",
        "interestPaymentDue": "IN_ARREARS"
      },
      {
        "lendingRateType": "PURCHASE",
        "applicationType": "PERIODIC",
        "repaymentType": "OTHER",
        "rate": "0.1974",
        "applicationFrequency": "P1M",
        "additionalInfo": "Minimum monthly repayments of 2.5% or $20, whichever is greater. If the closing balance is less than $20, you must pay the full closing balance.\n",
        "loanPurpose": "OTHER",
        "calculationFrequency": "P1D",
        "interestPaymentDue": "IN_ARREARS"
      }
    ]
  }
}