{
  "source": "https://banking.qbank.com.au/openbanking/cds-au/v1/banking/products/S28_CLASSIC_PLUS_OD_GT%24250",
  "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": "OTHER",
        "additionalInfo": "No monthly fees"
      },
      {
        "featureType": "INSURANCE",
        "additionalValue": " 20% off a new home insurance policy"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Access funds up to your approved limit without applying for a new loan"
      }
    ],
    "constraints": [
      {
        "constraintType": "MIN_LIMIT",
        "additionalValue": "250000.00"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "18"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "LVR up to 80%"
      }
    ],
    "fees": [
      {
        "name": "CONSTRUCTION_SETTLEMENT_FEE",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "295.00"
        },
        "currency": "AUD",
        "additionalInfo": "Applies once only per construction loan facility"
      },
      {
        "name": "SPLIT_LOAN_FEE",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "25.00"
        },
        "currency": "AUD",
        "additionalInfo": "Applies per additional loan split and waived on the classic plus package"
      },
      {
        "name": "TOP_UP_FEE",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "200.00"
        },
        "currency": "AUD",
        "additionalInfo": "Applies when further lending is requested and applied to a current QBANK loan limit. Payable at the time the top-up is funded.Waived on the classic plus package"
      },
      {
        "name": "STANDARD_SETTLEMENT_FEE",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "195.00"
        },
        "currency": "AUD",
        "additionalInfo": "Applies once only per standard loan facility and waived on the classic plus package."
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0829",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "repaymentType": "OTHER",
        "loanPurpose": "OTHER"
      }
    ],
    "productId": "S28_CLASSIC_PLUS_OD_GT$250",
    "lastUpdated": "2026-06-01T08:02:08.000+10:00",
    "productCategory": "OVERDRAFTS",
    "name": "Classic Plus Overdraft  $250,000.00 and Above",
    "description": "Classic Plus Overdraft  $250,000.00 and Above",
    "brand": "QBANK",
    "brandName": "QBANK",
    "isTailored": false,
    "additionalInformation": {
      "feesAndPricingUri": "https://www.qbank.com.au/rates-fees"
    }
  }
}