{
  "source": "https://public.cdr-api.coastline.com.au/cds-au/v1/banking/products/50",
  "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": "50",
    "effectiveFrom": "2006-06-30T14:30:00.0000000Z",
    "lastUpdated": "2025-12-23T04:00:14.3446902Z",
    "productCategory": "OVERDRAFTS",
    "name": "Gold Benefits Savings",
    "description": "Gold Benefits Savings",
    "brand": "Coastline ",
    "applicationUri": "https://foss.coastline.com.au/FileView/Form/personal-products-enquiry-form",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.coastline.com.au/personal/personal-overdraft",
      "termsUri": "https://www.coastline.com.au/personal/personal-overdraft",
      "eligibilityUri": "https://www.coastline.com.au/personal/personal-overdraft",
      "feesAndPricingUri": "https://www.coastline.com.au/conditions-of-use",
      "bundleUri": "https://www.coastline.com.au/personal/personal-overdraft"
    },
    "constraints": [
      {
        "constraintType": "MIN_LIMIT",
        "additionalValue": "500.00"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "50"
      },
      {
        "eligibilityType": "NATURAL_PERSON"
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "Australia"
      }
    ],
    "fees": [
      {
        "name": "Settlement Disbursement Fee",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Personal Ln Establishment Fee",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "300.00"
        },
        "currency": "AUD"
      },
      {
        "name": "CU Solicitor Mtg Discharge Fee",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "380.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Mortgage Discharge Fee",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "250.00"
        },
        "currency": "AUD"
      },
      {
        "name": "PPSR Security Interest Fee",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "50.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Property Search Fee",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "30.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Manual Arrears Transfer Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Arrears Reminder Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Final Notice of Demand",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "40.00"
        },
        "currency": "AUD"
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.15",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "INVESTMENT",
        "tiers": [
          {
            "name": "USER-INPUT-RATE/1",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "0.01",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "applicabilityConditions": [
              {
                "rateApplicabilityType": "EXISTING_CUST"
              },
              {
                "rateApplicabilityType": "NEW_ACCOUNTS"
              },
              {
                "rateApplicabilityType": "NEW_CUSTOMER"
              }
            ]
          }
        ],
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "EXISTING_CUST"
          },
          {
            "rateApplicabilityType": "NEW_ACCOUNTS"
          },
          {
            "rateApplicabilityType": "NEW_CUSTOMER"
          }
        ]
      }
    ]
  }
}