{
  "source": "https://openbank.openbanking.imb.com.au/cds-au/v1/banking/products/OD-2-1",
  "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": "OD-2-1",
    "effectiveFrom": "2021-06-25T00:00:00+10:00",
    "lastUpdated": "2026-03-04T10:00:00+11:00",
    "productCategory": "OVERDRAFTS",
    "name": "Personal Line of Credit",
    "description": "An IMB Personal Line of Credit works in conjunction with your everyday banking account, so you have the simplicity of managing one account with the added benefit of easy access to extra funds as you need them.",
    "brand": "IMB Bank",
    "applicationUri": "https://www.imb.com.au/personal-and-car-loan-enquiry",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.imb.com.au/banking/personal-loans/personal-line-of-credit",
      "termsUri": "https://www.imb.com.au/important-information",
      "feesAndPricingUri": "https://www.imb.com.au/help-centre/rates-and-fees"
    },
    "cardArt": [
      {
        "title": "IMB Visa Debit Card",
        "imageUri": "https://uploads-ssl.webflow.com/6523c01e3505e25d762e59e6/65f2d0f5b7a422d7192d0726_visadebitcardimage.jpg",
        "cardScheme": "VISA",
        "cardType": "DEBIT"
      },
      {
        "title": "IMB Cashcard",
        "imageUri": "https://cdn.prod.website-files.com/6523c01e3505e25d762e59e6/692e5bdb55d44cfd67399ceb_IMB_Cashcard_FINAL_220913.jpg",
        "cardScheme": "EFTPOS",
        "cardType": "DEBIT"
      }
    ],
    "features": [
      {
        "featureType": "CARD_ACCESS",
        "additionalValue": "IMB Visa Debit Card and Cashcard available ",
        "additionalInfo": "Visa Debit Card is not available to individuals under 15",
        "additionalInfoUri": "https://www.imb.com.au/banking/ways-to-bank/imb-visa-debit-card"
      },
      {
        "featureType": "ADDITIONAL_CARDS",
        "additionalValue": "",
        "additionalInfo": "Account holders may hold both a Visa Debit and Cashcard per eligible account"
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "Internet Banking and Mobile Banking App.",
        "additionalInfoUri": "https://www.imb.com.au/banking/ways-to-bank/mobile-app"
      },
      {
        "featureType": "NPP_PAYID",
        "additionalInfo": "Create a PayID through IMB’s Internet Banking or Mobile Banking App to receive Osko payments.",
        "additionalInfoUri": "https://www.imb.com.au/banking/ways-to-bank/osko"
      },
      {
        "featureType": "NPP_ENABLED",
        "additionalInfo": "This account type is enabled for Osko payments, via the New Payments Platform (NPP). Osko is the faster way to pay or receive money from friends, family and businesses. No more waiting days for money to change hands. Now you can pay and be paid in a matter of seconds",
        "additionalInfoUri": "https://www.imb.com.au/banking/ways-to-bank/osko"
      },
      {
        "featureType": "BILL_PAYMENT",
        "additionalValue": "BPAY",
        "additionalInfo": "BPAY® is an electronic bill payment service, providing a convenient access point for the payment and receipt of consumer bills.",
        "additionalInfoUri": "https://www.imb.com.au/banking/ways-to-bank/bpay"
      },
      {
        "featureType": "NOTIFICATIONS",
        "additionalValue": "IMB Alerts",
        "additionalInfo": "IMB Alerts keep you up to date by sending you SMS or email alerts regarding your banking. Account Alerts help you keep track of your finances and Internet Banking Security Alerts to help keep you safe online. You can register for Alerts in Internet Banking.",
        "additionalInfoUri": "https://www.imb.com.au/banking/ways-to-bank/imb-alerts"
      },
      {
        "featureType": "OTHER",
        "additionalValue": "Direct Debit",
        "additionalInfo": "Direct debit is available on this account type."
      },
      {
        "featureType": "OTHER",
        "additionalValue": "Direct Credit",
        "additionalInfo": "Direct Credit is available on this account type."
      },
      {
        "featureType": "OTHER",
        "additionalValue": "Scheduled Payments",
        "additionalInfo": "Schedule Electronic Funds Transfers or Periodic Payments via internet banking, in branch or telephone banking"
      },
      {
        "featureType": "OTHER",
        "additionalValue": "Electronic Funds Transfer",
        "additionalInfo": "Make and receive Electronic Funds Transfers (EFT) from this account type."
      },
      {
        "featureType": "OTHER",
        "additionalValue": "Bank@post",
        "additionalInfo": "Do your day to day banking with your IMB transaction account at Australia Post Offices where Bank@Post is available.",
        "additionalInfoUri": "https://www.imb.com.au/banking/ways-to-bank/bank-post"
      },
      {
        "featureType": "OTHER",
        "additionalValue": "Branch",
        "additionalInfo": "IMB boasts an extensive branch network throughout the Illawarra, Sydney, NSW South Coast, the ACT and Melbourne.",
        "additionalInfoUri": "https://www.imb.com.au/banking/ways-to-bank/branch"
      },
      {
        "featureType": "OTHER",
        "additionalValue": "Phone Banking Operator Assisted",
        "additionalInfo": "IMB consultants are available Monday to Friday 8am - 8pm and Saturday 9am - 4pm",
        "additionalInfoUri": "https://www.imb.com.au/banking/ways-to-bank/phone-banking"
      },
      {
        "featureType": "OTHER",
        "additionalValue": "Chequebook",
        "additionalInfo": "As of 1 June 2021, IMB will not offer a cheque facility to customers that become Members on or after that date, or to existing Members who have not been issued a cheque facility before that date"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Apple Pay.",
        "additionalInfo": "Mobile payments are an easy and secure way to pay when you're on the go - using nothing but your phone or smartwatch. To get started, all you need to do is link your IMB Visa Debit Card with your preferred digital wallet.",
        "additionalInfoUri": "https://www.imb.com.au/banking/ways-to-bank/apple-pay"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Google Pay.",
        "additionalInfo": "Mobile payments are an easy and secure way to pay when you're on the go - using nothing but your phone or smartwatch. To get started, all you need to do is link your IMB Visa Debit Card with your preferred digital wallet.",
        "additionalInfoUri": "https://www.imb.com.au/banking/ways-to-bank/google-pay"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Samsung Pay.",
        "additionalInfo": "Mobile payments are an easy and secure way to pay when you're on the go - using nothing but your phone or smartwatch. To get started, all you need to do is link your IMB Visa Debit Card with your preferred digital wallet.",
        "additionalInfoUri": "https://www.imb.com.au/banking/ways-to-bank/samsung-pay"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Garmin Pay.",
        "additionalInfo": "Mobile payments are an easy and secure way to pay when you're on the go - using nothing but your phone or smartwatch. To get started, all you need to do is link your IMB Visa Debit Card with your preferred digital wallet.",
        "additionalInfoUri": "https://www.imb.com.au/banking/ways-to-bank/garmin-pay"
      },
      {
        "featureType": "EXTRA_REPAYMENTS",
        "additionalInfo": "Unrestricted additional repayments"
      },
      {
        "featureType": "OTHER",
        "additionalValue": "PayTo",
        "additionalInfo": "PayTo is available on this account type."
      }
    ],
    "constraints": [
      {
        "constraintType": "MIN_LIMIT",
        "additionalValue": "500"
      },
      {
        "constraintType": "MAX_LIMIT",
        "additionalValue": "20000"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Lending criteria, terms and conditions apply"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Personal Credit Line must be linked to an IMB deposit account. Please consider the PDS available from IMB before making a decision about this product"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "You must have a good credit history and a monthly income."
      },
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "18"
      }
    ],
    "fees": [
      {
        "name": "Fees and charges apply to linked account IMB deposit account.",
        "feeType": "OTHER",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "currency": "AUD",
        "additionalInfo": "Personal Credit Line facility must be linked to an IMB deposit account. Terms, conditions, fees and charges apply to the linked account. Please consider the PDS available from IMB in relation to IMB deposit products and facilities.",
        "additionalInfoUri": "https://www.imb.com.au/pdfs/fees-charges-and-limits-pds"
      }
    ],
    "lendingRates": [
      {
        "applicationType": "PERIODIC",
        "lendingRateType": "VARIABLE",
        "rate": "0.1385",
        "repaymentType": "OTHER"
      }
    ]
  }
}