{
  "source": "https://public.ob.business.hsbc.com.au/cds-au/v1/banking/products/CR3",
  "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": "CR3",
    "effectiveFrom": "2019-01-31T00:41:00.000Z",
    "lastUpdated": "2025-12-02T07:09:54.418Z",
    "productCategory": "CRED_AND_CHRG_CARDS",
    "name": "HSBC Virtual Card",
    "description": "Single and multi use virtual cards for corporate expenditure",
    "brand": "HSBC",
    "applicationUri": "https://www.business.hsbc.com.au/en-au/solutions/corporate-card",
    "isTailored": true,
    "additionalInformation": {
      "overviewUri": "https://www.business.hsbc.com.au/en-au/solutions/corporate-card",
      "termsUri": "https://www.business.hsbc.com.au/en-au/solutions/corporate-card",
      "eligibilityUri": "https://www.business.hsbc.com.au/en-au/solutions/corporate-card",
      "feesAndPricingUri": "https://www.business.hsbc.com.au/en-au/solutions/corporate-card",
      "bundleUri": "https://www.business.hsbc.com.au/en-au/solutions/corporate-card"
    },
    "cardArt": [
      {
        "title": "HSBC virtual cards",
        "imageUri": "https://www.business.hsbc.com.au/en-au/solutions/virtual-card",
        "cardScheme": "MASTERCARD",
        "cardType": "CREDIT"
      }
    ],
    "features": [
      {
        "featureType": "CARD_ACCESS",
        "additionalValue": "Virtual cards are generated by the corporate on request and available for immediate use"
      },
      {
        "featureType": "ADDITIONAL_CARDS",
        "additionalInfo": "Additional cards can be issued under the facility"
      },
      {
        "featureType": "UNLIMITED_TXNS",
        "additionalInfo": "Unlimited transactions up to credit limit"
      },
      {
        "featureType": "INTEREST_FREE",
        "additionalValue": "P55D"
      },
      {
        "featureType": "INSURANCE",
        "additionalValue": "Complimentary unauthorised transaction insurance ",
        "additionalInfoUri": "https://www.business.hsbc.com.au/en-au/form-downloads-and-interest-rates"
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "Online card management portal available"
      },
      {
        "featureType": "BILL_PAYMENT",
        "additionalValue": "Mandatory direct debit, BPAY available"
      },
      {
        "featureType": "NOTIFICATIONS",
        "additionalValue": "Alerts such as fraud alerts, spending alerts, and more"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Company Liability only"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "BUSINESS",
        "additionalInfo": "Business / Corporate applicants only"
      }
    ],
    "fees": [
      {
        "name": "Overseas Transaction Fee",
        "feeType": "TRANSACTION",
        "currency": "AUD",
        "additionalInfo": "Overseas Transaction Fee per foreign transaction",
        "feeMethodUType": "rateBased",
        "rateBased": {
          "rateType": "TRANSACTION",
          "rate": "0.03"
        }
      },
      {
        "name": "Late Payment Reminder Fee",
        "feeType": "EVENT",
        "currency": "AUD",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "30.00"
        }
      },
      {
        "name": "Disputed Transaction Charge",
        "feeType": "EVENT",
        "currency": "AUD",
        "additionalInfo": "Per item disputed where the resultant investigation confirms liability for the transaction is with the cardholder",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.00"
        }
      },
      {
        "name": "Disputed Item Charge",
        "feeType": "EVENT",
        "currency": "AUD",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.00"
        }
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "PENALTY",
        "rate": "0.1575",
        "calculationFrequency": "P1D",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OTHER",
        "additionalValue": "Purchases interest rate for purchases not paid off in full by payment due date",
        "applicationType": "PERIODIC"
      }
    ]
  }
}