{
  "source": "https://ib.bankvic.com.au/openbanking/cds-au/v1/banking/products/S15_VISA_CLASSIC_CREDIT_CA",
  "note": "Product Reference Data published by the data holder under the Consumer Data Right, as cached by this site (refreshed every 6 hours).",
  "data": {
    "features": [
      {
        "featureType": "CARD_ACCESS",
        "additionalValue": "Silver Visa Credit Card"
      },
      {
        "featureType": "ADDITIONAL_CARDS",
        "additionalValue": "Silver Visa Credit Card",
        "additionalInfo": "1"
      },
      {
        "featureType": "INTEREST_FREE",
        "additionalValue": "P44D",
        "additionalInfo": "Up to 44 days interest free on purchases",
        "additionalInfoUri": "https://www.bankvic.com.au/banking/?filter=Credit-Card&product=Low-Rate-Visa"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Apple Pay",
        "additionalInfo": "Add your BankVic Visa credit card to a compatible device and pay securely with Apple Pay*TM"
      },
      {
        "featureType": "NPP_PAYID"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Google Pay",
        "additionalInfo": "Add your BankVic Visa credit card to a compatible device and pay securely with Google Pay* TM"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "FitBit Pay",
        "additionalInfo": "Add your BankVic Visa credit card to a compatible device and pay securely with FitBit Pay* TM"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Garmin Pay",
        "additionalInfo": "Add your BankVic Visa credit card to a compatible device and pay securely with Garmin Pay* TM"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Samsung Pay",
        "additionalInfo": "Add your BankVic Visa credit card to a compatible device and pay securely with Samsung Pay* TM"
      },
      {
        "featureType": "BALANCE_TRANSFERS"
      },
      {
        "featureType": "FRAUD_PROTECTION"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Minimum repayments : 2.5% of the statement closing balance outstanding, or $20; whichever is greater. If the closing balance is less than $20, it must be paid in full."
      }
    ],
    "constraints": [
      {
        "constraintType": "MIN_LIMIT",
        "additionalValue": "1000.00"
      },
      {
        "constraintType": "MAX_LIMIT",
        "additionalValue": "10000.00"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "18"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "BankVic member"
      }
    ],
    "fees": [
      {
        "name": "CARD_REPLACEMENT_FEE",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.00"
        },
        "currency": "AUD",
        "additionalInfo": "There is a $10 replacement fee for members ordering a replacement card except if it is a faulty card, the card has worn out prematurely or the member is going on holidays at the time of renewal."
      },
      {
        "name": "DISPUTED_CARD_TRANSACTION_FEE",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "25.00"
        },
        "currency": "AUD",
        "additionalInfo": "Disputed transactions - fee not charged if found to be merchant error"
      },
      {
        "name": "LATE_PAYMENT_FEE",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "15.00"
        },
        "currency": "AUD"
      },
      {
        "name": "INTERNATIONAL_TRANSACTION_CURRENCY_CONVERSION_FEE",
        "feeType": "WITHDRAWAL",
        "feeMethodUType": "rateBased",
        "rateBased": {
          "rateType": "TRANSACTION",
          "rate": "0.0365",
          "accrualFrequency": "D"
        },
        "currency": "AUD",
        "additionalInfo": "International transaction currency conversion fee"
      },
      {
        "name": "SILVER_CREDIT_CARD_ANNUAL_FEE",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "currency": "AUD"
      },
      {
        "name": "EMERGENCY_OVERSEAS_CARD_REPLACEMENT_FEE",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "175.00"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://cdn.intelligencebank.com/au/share/NZw2/RVzr/dwqA/original/Fees+and+Charges"
      },
      {
        "name": "EMERGENCY_OVERSEAS_CASH_FEE",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "175.00"
        },
        "currency": "AUD"
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "CASH_ADVANCE",
        "rate": "0.1395",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "repaymentType": "OTHER",
        "loanPurpose": "OTHER",
        "additionalInfo": "6 month introductory rate for 8.99% for Non"
      },
      {
        "lendingRateType": "PURCHASE",
        "rate": "0.1395",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "repaymentType": "OTHER",
        "loanPurpose": "OTHER",
        "additionalInfo": "6 month introductory rate for 8.99% for Non"
      },
      {
        "lendingRateType": "INTRODUCTORY",
        "rate": "0.0496",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "repaymentType": "OTHER",
        "loanPurpose": "OTHER",
        "additionalValue": "P6M",
        "additionalInfo": "6 month introductory rate for 8.99% for Non"
      }
    ],
    "productId": "S15_VISA_CLASSIC_CREDIT_CA",
    "lastUpdated": "2025-11-21T14:27:08.000+11:00",
    "productCategory": "CRED_AND_CHRG_CARDS",
    "name": "Low Rate Visa Credit Card",
    "description": "A basic credit card for everyday banking",
    "brand": "BankVic",
    "brandName": "BankVic",
    "applicationUri": "https://www.bankvic.com.au/apply-for-credit",
    "isTailored": true,
    "additionalInformation": {
      "overviewUri": "https://www.bankvic.com.au/banking/?filter=Credit-Card",
      "termsUri": "https://cdn.intelligencebank.com/au/share/NZw2/RVzr/yzJw/original/BankVic+Terms+%2526+Conditions",
      "eligibilityUri": "https://www.bankvic.com.au/banking/?filter=Credit-Card",
      "feesAndPricingUri": "https://cdn.intelligencebank.com/au/share/NZw2/RVzr/dwqA/original/Fees+and+Charges"
    }
  }
}