{
  "source": "https://public.cdr.api.beyondbank.com.au/cds-au/v1/banking/products/60",
  "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": "60",
    "effectiveFrom": "2021-03-25T13:30:00.0000000Z",
    "lastUpdated": "2026-07-16T08:00:31.2032296Z",
    "productCategory": "PERS_LOANS",
    "name": "Line of Credit",
    "description": "Be prepared for life's little emergencies with a financial safety net that gives you access to funds when you need it. Start enjoying the benefits today with line of credit loans starting from as little as $2,000.",
    "brand": "BYD",
    "brandName": "Beyond Bank Australia",
    "applicationUri": "https://www.beyondbank.com.au/personal-loans/line-of-credit/",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.beyondbank.com.au/personal-loans/line-of-credit/",
      "termsUri": "https://www.beyondbank.com.au/personal-loans/line-of-credit/",
      "eligibilityUri": "https://www.beyondbank.com.au/personal-loans/line-of-credit/",
      "feesAndPricingUri": "https://www.beyondbank.com.au/personal-loans/line-of-credit/"
    },
    "features": [
      {
        "featureType": "BILL_PAYMENT",
        "additionalValue": "BPAY available"
      },
      {
        "featureType": "CARD_ACCESS",
        "additionalValue": "Visa Debit Card available.",
        "additionalInfoUri": "https://www.beyondbank.com.au/personal-loans/line-of-credit/"
      },
      {
        "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 Debit 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": "NOTIFICATIONS",
        "additionalValue": "Text Me or Push Notification Alert",
        "additionalInfo": "Available with Internet Banking or via notifications from Mobile Banking. Service enables information about accounts to be sent via SMS to a specified mobile number. It is event triggered or on demand.",
        "additionalInfoUri": "https://brand.beyondbank.com.au/m/3639ea02e11a40f4/original/Product-Guide-website.pdf"
      },
      {
        "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/"
      }
    ],
    "constraints": [
      {
        "constraintType": "MAX_LIMIT",
        "additionalValue": "140000.00"
      },
      {
        "constraintType": "MAX_LVR",
        "additionalValue": "0.00"
      },
      {
        "constraintType": "MIN_LIMIT",
        "additionalValue": "2000.00"
      },
      {
        "constraintType": "MIN_LVR",
        "additionalValue": "0.00"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "18",
        "additionalInfo": "Minimum age is 18 years of age.",
        "additionalInfoUri": "https://www.beyondbank.com.au/personal-loans/line-of-credit/"
      },
      {
        "eligibilityType": "NATURAL_PERSON"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Membership:  You must be or become a Beyond Bank Australia member.",
        "additionalInfoUri": "https://www.beyondbank.com.au/personal-loans/line-of-credit/"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Lending criteria applies.",
        "additionalInfoUri": "https://www.beyondbank.com.au/personal-loans/line-of-credit/"
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "Australian Citizen",
        "additionalInfo": "Must be an Australian citizen, permanent Australian resident or hold a Visa. If a Visa holder's income is relied upon to determine serviceability, the term of the Visa must exceed the term of the loan.",
        "additionalInfoUri": "https://www.beyondbank.com.au/personal-loans/line-of-credit/"
      }
    ],
    "fees": [
      {
        "name": "Line of Credit Approval / Variation Fee",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "195.00"
        },
        "currency": "AUD",
        "additionalInfo": "This fee is payable when you apply for new or increased credit or request a change to your line of credit contract.",
        "additionalInfoUri": "https://www.beyondbank.com.au/personal-loans/line-of-credit/",
        "discounts": [
          {
            "description": "No Line of Credit Approval/Variation Fee - Life Members",
            "discountType": "ELIGIBILITY_ONLY",
            "discountMethodUType": "fixedAmount",
            "fixedAmount": {
              "amount": "195.00"
            },
            "eligibility": [
              {
                "discountEligibilityType": "OTHER",
                "additionalInfo": "This fee is waived for Life Members."
              }
            ]
          }
        ]
      },
      {
        "name": "Default Notice Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "20.00"
        },
        "currency": "AUD",
        "additionalInfo": "This fee is payable whenever we send you a default notice because you have defaulted under the contract.",
        "additionalInfoUri": "https://www.beyondbank.com.au/personal-loans/line-of-credit/"
      },
      {
        "name": "Default Fee on Line of Credit",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "25.00"
        },
        "currency": "AUD",
        "additionalInfo": "This fee is payable on the 15th day of every month whilst you are in default.",
        "additionalInfoUri": "https://www.beyondbank.com.au/personal-loans/line-of-credit/"
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.1449",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "UNCONSTRAINED",
        "additionalInfo": "Unsecured Line of Credit, variable rate.  Conditions apply.",
        "additionalInfoUri": "https://www.beyondbank.com.au/interest-rates/personal-loans.html"
      }
    ]
  }
}