{
  "source": "https://public.cdr.api.beyondbank.com.au/cds-au/v1/banking/products/11",
  "note": "Product Reference Data published by the data holder under the Consumer Data Right, as cached by this site (refreshed every 6 hours).",
  "data": {
    "productId": "11",
    "effectiveFrom": "2008-11-27T13:30:00.0000000Z",
    "lastUpdated": "2026-01-08T08:00:31.1339956Z",
    "productCategory": "CRED_AND_CHRG_CARDS",
    "name": "Low Rate Credit Card",
    "description": "Enjoy the benefits of our Low Rate Credit Card and receive up to 62 days interest free days on purchases or take advantage of our balance transfer offer.",
    "brand": "BYD",
    "brandName": "Beyond Bank Australia",
    "applicationUri": "https://www.beyondbank.com.au/bank-and-save/debit-and-credit-cards/low-rate-visa-credit-card/",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.beyondbank.com.au/bank-and-save/debit-and-credit-cards/low-rate-visa-credit-card/",
      "termsUri": "https://www.beyondbank.com.au/bank-and-save/debit-and-credit-cards/low-rate-visa-credit-card/",
      "eligibilityUri": "https://www.beyondbank.com.au/bank-and-save/debit-and-credit-cards/low-rate-visa-credit-card/",
      "feesAndPricingUri": "https://www.beyondbank.com.au/bank-and-save/debit-and-credit-cards/low-rate-visa-credit-card/"
    },
    "features": [
      {
        "featureType": "ADDITIONAL_CARDS",
        "additionalValue": "4",
        "additionalInfo": "Up to 4 additional card holders"
      },
      {
        "featureType": "BILL_PAYMENT",
        "additionalInfo": "BPAY available.",
        "additionalInfoUri": "https://www.beyondbank.com.au/help-and-contact/faqs/internet-banking/how-do-i-use-bpay-on-internet-banking/"
      },
      {
        "featureType": "CARD_ACCESS",
        "additionalValue": "Visa Credit Card available"
      },
      {
        "featureType": "COMPLEMENTARY_PRODUCT_DISCOUNTS",
        "additionalValue": "The Annual Card Fee will be waived for eligible Total Home Loan Package borrowers. Conditions apply.",
        "additionalInfoUri": "https://www.beyondbank.com.au/bank-and-save/debit-and-credit-cards/low-rate-visa-credit-card/"
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "Access your money 24/7 through Internet Banking, Telephone Banking or Mobile Banking services",
        "additionalInfoUri": "https://www.beyondbank.com.au/bank-and-save/switch-to-beyond-bank/"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Mobile Wallet",
        "additionalInfo": "Load your Beyond Bank Visa Credit card to your phone to make fast and easy transactions",
        "additionalInfoUri": "https://www.beyondbank.com.au/bank-and-save/switch-to-beyond-bank/mobile-wallet/"
      },
      {
        "featureType": "NPP_ENABLED",
        "additionalInfo": "New Payments Platform (NPP) available.  Allows you to send and receive money instantly between eligible accounts with your PayID.",
        "additionalInfoUri": "https://www.beyondbank.com.au/bank-and-save/switch-to-beyond-bank/osko/"
      },
      {
        "featureType": "NPP_PAYID",
        "additionalInfo": "New Payments Platform (NPP) is available.  Use your mobile number or email as your PayID to send and receive money instantly between eligible accounts.",
        "additionalInfoUri": "https://www.beyondbank.com.au/bank-and-save/switch-to-beyond-bank/osko/"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "AutoPay: you can choose to automatically pay a set amount, the minimum monthly payment or the total balance every month.",
        "additionalInfoUri": "https://www.beyondbank.com.au/bank-and-save/debit-and-credit-cards/low-rate-visa-credit-card/"
      },
      {
        "featureType": "BALANCE_TRANSFERS",
        "additionalInfo": "12 or 6 months Balance Transfers options are available on newly approved Low Rate Credit Cards. Conditions apply.",
        "additionalInfoUri": "https://www.beyondbank.com.au/bank-and-save/debit-and-credit-cards/low-rate-visa-credit-card/"
      },
      {
        "featureType": "INTEREST_FREE",
        "additionalValue": "P62D",
        "additionalInfo": "Receive up to 62 interest free days available on purchases. Conditions apply.",
        "additionalInfoUri": "https://www.beyondbank.com.au/bank-and-save/debit-and-credit-cards/low-rate-visa-credit-card/"
      },
      {
        "featureType": "INTEREST_FREE_TRANSFERS",
        "additionalValue": "P12M",
        "additionalInfo": "Balance Transfer: 0% on balance transfers for 12 months. Limited offer. Conditions apply.",
        "additionalInfoUri": "https://www.beyondbank.com.au/bank-and-save/debit-and-credit-cards/low-rate-visa-credit-card/"
      }
    ],
    "constraints": [
      {
        "constraintType": "MAX_LIMIT",
        "additionalValue": "80000.00"
      },
      {
        "constraintType": "MIN_LIMIT",
        "additionalValue": "1000.00"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "18"
      },
      {
        "eligibilityType": "NATURAL_PERSON"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Lending criteria applies."
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Membership: You must be or become a Beyond Bank Australia member"
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "Australian Citizen",
        "additionalInfo": "Must be an Australian citizen, Permanent Australian resident or hold a Visa - if a Visa holders' income is relied upon to determine serviceability, the term of the Visa must exceed the term of the loan. An Australian resident is a person who is living in Australia and is an Australian citizen, a permanent visa holder, or a protected Special Category visa (SCV) holder."
      }
    ],
    "fees": [
      {
        "name": "Declined Withdrawal Fee",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.40"
        },
        "currency": "AUD"
      },
      {
        "name": "Bank@Post Deposit Fee",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "2.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Bank@Post Withdrawal Fee",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "4.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Cash Advance Fee",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "4.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Default Notice Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "20.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Annual Card Fee",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "59.00"
        },
        "currency": "AUD",
        "additionalValue": "P1Y",
        "additionalInfo": "This fee is payable at the end of the month in which your account is opened and every 12 months thereafter."
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "BALANCE_TRANSFER",
        "rate": "0.0",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "UNCONSTRAINED",
        "additionalInfo": "For a limited time, this offer is available on balance transfers for a 12 month period with any newly approved Low Rate Visa Credit Card. It applies exclusively to balance transfers from credit or store cards not issued by Beyond Bank. A minimum transfer amount of $500 is required, and the offer must be requested within one month of your credit card being funded.  After the 12-month promotional period, any remaining balance will revert to the variable interest rate for Purchases applicable at that time. Conditions apply."
      },
      {
        "lendingRateType": "BALANCE_TRANSFER",
        "rate": "0.0499",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "UNCONSTRAINED",
        "additionalInfo": "For a limited time, this discounted rate is available on balance transfers for a 6 month period with any newly approved Low Rate Visa Credit Card. It applies exclusively to balance transfers from credit or store cards not issued by Beyond Bank. A minimum transfer amount of $500 is required, and the offer must be requested within one month of your credit card being funded.  After the 6-month period, any remaining balance will revert to the variable interest rate for Purchases applicable at that time. Conditions apply."
      },
      {
        "lendingRateType": "CASH_ADVANCE",
        "rate": "0.1199",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "UNCONSTRAINED"
      },
      {
        "lendingRateType": "PURCHASE",
        "rate": "0.1199",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "UNCONSTRAINED",
        "additionalInfo": "Up to 62 interest free days available on purchases. Conditions apply."
      }
    ]
  }
}