{
  "source": "https://secure.nicu.com.au/OpenBanking/cds-au/v1/banking/products/NICUS33",
  "note": "Product Reference Data published by the data holder under the Consumer Data Right, as cached by this site (refreshed every 6 hours).",
  "data": {
    "features": [
      {
        "featureType": "CARD_ACCESS",
        "additionalInfo": "Shop online or in store with our Visa Debit card",
        "additionalInfoUri": "https://nicu.com.au/banking/cards"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Apple Pay",
        "additionalInfo": "The easy way to pay everyday with Apple Pay",
        "additionalInfoUri": "https://nicu.com.au/help-support/apple-pay"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Google Pay",
        "additionalInfo": "The convenience of a mobile wallet in your hands with Google Pay",
        "additionalInfoUri": "https://nicu.com.au/help-support/google-pay"
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "24/7 access to your accounts anywhere in the world with our smartPAY App. You can also temporarily block your card or report it lost or stolen.",
        "additionalInfoUri": "https://nicu.com.au/help-support/smartpay-app"
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "Secure banking 24/7 from your computer or mobile with Online Banking",
        "additionalInfoUri": "https://nicu.com.au/help-support/online-banking"
      },
      {
        "featureType": "NPP_ENABLED",
        "additionalInfo": "Send and receive real-time payments via Osko from your Online Banking and NICU smartPay App",
        "additionalInfoUri": "https://www.nicu.com.au/help-support/osko-fast-payments"
      },
      {
        "featureType": "NPP_PAYID",
        "additionalInfo": "Send and receive real-time payments via Osko from your Online Banking and NICU smartPay App",
        "additionalInfoUri": "https://www.nicu.com.au/help-support/osko-fast-payments"
      },
      {
        "featureType": "NOTIFICATIONS",
        "additionalValue": "Alerts",
        "additionalInfo": "Receive notifications for transactions and balances on your accounts via SMS",
        "additionalInfoUri": "https://nicu.com.au/help-support/alerts"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Give your accountant access to your financial statements via online accounting software such as Banklink and Xero",
        "additionalInfoUri": "https://nicu.com.au/banking/business"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Access your personal account wherever you see an Australia Post retail outlet displaying the Bank@Post sign, if you have a card linked to the account on which you want to transact.",
        "additionalInfoUri": "https://nicu.com.au/help-support/bank-post"
      },
      {
        "featureType": "OFFSET",
        "additionalInfo": "An everyday transaction account which attaches to your eligible variable home or investment loan and 100% offsets against your loan balance",
        "additionalInfoUri": "https://nicu.com.au/banking/everyday/smart-offset"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "You must hold an eligible home loan product to have a Smart Offset account"
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "AU",
        "additionalInfo": "Individuals must be citizens or permanent residents of Australia."
      }
    ],
    "fees": [
      {
        "name": "BANK@POST_TRANS",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "4.00"
        },
        "feeCap": "0.00",
        "currency": "AUD",
        "additionalInfo": "First 5 free transactions per month for Members residing outside postcodes 2340, 2380 & 2390.",
        "additionalInfoUri": "https://www.nicu.com.au/ArticleDocuments/298/NICU_Fees_Charges.pdf.aspx"
      },
      {
        "name": "IN_BRANCH_TRANSACTION",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "2.50"
        },
        "feeCap": "0.00",
        "currency": "AUD",
        "additionalInfo": "This Fee is Rebateable and is added to other Rebateable Fees before the fee is applied.",
        "additionalInfoUri": "https://www.nicu.com.au/ArticleDocuments/298/NICU_Fees_Charges.pdf.aspx"
      },
      {
        "name": "VISA_ATM_WITHDRAWAL_OVERSEAS",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "2.00"
        },
        "feeCap": "0.00",
        "currency": "AUD",
        "additionalInfoUri": "https://www.nicu.com.au/ArticleDocuments/298/NICU_Fees_Charges.pdf.aspx"
      },
      {
        "name": "ALERTS",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.25"
        },
        "feeCap": "0.00",
        "currency": "AUD",
        "additionalInfo": "First 8 free",
        "additionalInfoUri": "https://www.nicu.com.au/ArticleDocuments/298/NICU_Fees_Charges.pdf.aspx"
      },
      {
        "name": "ATM_DECLINED_TRANSACTION",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "2.50"
        },
        "feeCap": "0.00",
        "currency": "AUD",
        "additionalInfo": "This Fee is Rebateable and is added to other Rebateable Fees before the fee is applied.",
        "additionalInfoUri": "https://www.nicu.com.au/ArticleDocuments/298/NICU_Fees_Charges.pdf.aspx"
      },
      {
        "name": "TRACE_FEE",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "28.00"
        },
        "feeCap": "0.00",
        "currency": "AUD",
        "additionalInfo": "Refunded if Credit Union is at fault.",
        "additionalInfoUri": "https://www.nicu.com.au/ArticleDocuments/298/NICU_Fees_Charges.pdf.aspx"
      },
      {
        "name": "DIRECT_DEBIT_DISHONOUR-REINSTATEMENT",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "12.50"
        },
        "feeCap": "0.00",
        "currency": "AUD",
        "additionalInfoUri": "https://www.nicu.com.au/ArticleDocuments/298/NICU_Fees_Charges.pdf.aspx"
      },
      {
        "name": "HONOURING_DIRECT_DEBIT",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.00"
        },
        "feeCap": "0.00",
        "currency": "AUD",
        "additionalInfoUri": "https://www.nicu.com.au/ArticleDocuments/298/NICU_Fees_Charges.pdf.aspx"
      },
      {
        "name": "SWIFT_FEE_INBOUND",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "11.00"
        },
        "feeCap": "0.00",
        "currency": "AUD",
        "additionalInfo": "Applicable when deposit/credit made to your account via the SWIFT system",
        "additionalInfoUri": "https://www.nicu.com.au/ArticleDocuments/298/NICU_Fees_Charges.pdf.aspx"
      },
      {
        "name": "SWIFT_FEE_OUTBOUND",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "25.00"
        },
        "feeCap": "0.00",
        "currency": "AUD",
        "additionalInfo": "Applicable when a payment is sent from your account via the SWIFT system",
        "additionalInfoUri": "https://www.nicu.com.au/ArticleDocuments/298/NICU_Fees_Charges.pdf.aspx"
      },
      {
        "name": "BANK_CONFIRMATION",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "30.00"
        },
        "feeCap": "0.00",
        "currency": "AUD",
        "additionalInfoUri": "https://www.nicu.com.au/ArticleDocuments/298/NICU_Fees_Charges.pdf.aspx"
      },
      {
        "name": "RETRIEVAL_OF_ELECTRONIC_DOCUMENTS",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "1.50"
        },
        "feeCap": "0.00",
        "currency": "AUD",
        "additionalInfo": "Per Page",
        "additionalInfoUri": "https://www.nicu.com.au/ArticleDocuments/298/NICU_Fees_Charges.pdf.aspx"
      },
      {
        "name": "OTHER_DOCUMENTS",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "50.00"
        },
        "feeCap": "0.00",
        "currency": "AUD",
        "additionalInfo": "Per Hour",
        "additionalInfoUri": "https://www.nicu.com.au/ArticleDocuments/298/NICU_Fees_Charges.pdf.aspx"
      }
    ],
    "depositRates": [
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M"
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.1575",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "repaymentType": "OTHER",
        "loanPurpose": "OTHER"
      }
    ],
    "productId": "NICUS33",
    "lastUpdated": "2025-10-08T14:10:09.000+11:00",
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "name": "Value Package Offset Account",
    "description": "Reduce your home loan interest charged, by linking a Value Package Offset account to your eligible mortgage. It 100% offsets against your eligible loan balance.",
    "brand": "NORTHERN INLAND CREDIT UNION LTD.",
    "brandName": "NORTHERN INLAND CREDIT UNION LTD.",
    "applicationUri": "https://www.nicu.com.au/banking/banking-enquiry",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.nicu.com.au/banking/everyday-banking/smart-offset",
      "termsUri": "https://www.nicu.com.au/ArticleDocuments/305/pfs_S28_S29_S31_S32_S33_S35.pdf.aspx",
      "eligibilityUri": "https://www.nicu.com.au/ArticleDocuments/305/pfs_S28_S29_S31_S32_S33_S35.pdf.aspx",
      "feesAndPricingUri": "https://www.nicu.com.au/ArticleDocuments/298/NICU_Fees_Charges.pdf.aspx"
    }
  }
}