{
  "source": "https://public.cdr-api.queenslandcountry.bank/cds-au/v1/banking/products/48",
  "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": "48",
    "effectiveFrom": "2015-06-30T14:30:00.0000000Z",
    "lastUpdated": "2026-07-16T08:00:24.0755223Z",
    "productCategory": "OVERDRAFTS",
    "name": "Line of Credit",
    "description": "Our Line of Credit is an overdraft facility that provides you with the ability to continually draw up to your credit limit at any time for your home, car and other credit requirements, giving you flexibility providing you stay under your approved limit.",
    "brand": "Queensland Country Bank",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.queenslandcountry.bank/banking/",
      "termsUri": "https://www.queenslandcountry.bank/siteassets/documents/brochures/brochure_account-access-facility.pdf",
      "feesAndPricingUri": "https://www.queenslandcountry.bank/siteassets/documents/brochures/brochure_fees-charges.pdf"
    },
    "cardArt": [
      {
        "cardScheme": "VISA",
        "cardType": "DEBIT",
        "title": "Brisbane Heat Debit Card",
        "imageUri": "https://www.queenslandcountry.bank/siteassets/images/product-pages/card-designs/visadebitbrisbane-heat.jpg"
      },
      {
        "cardScheme": "VISA",
        "cardType": "DEBIT",
        "title": "Pink Debit Card",
        "imageUri": "https://www.queenslandcountry.bank/siteassets/images/product-pages/card-designs/visadebit-pink.jpg"
      },
      {
        "cardScheme": "VISA",
        "cardType": "DEBIT",
        "title": "Teal Debit Card",
        "imageUri": "https://www.queenslandcountry.bank/siteassets/images/product-pages/card-designs/visadebit-teal.jpg"
      },
      {
        "cardScheme": "VISA",
        "cardType": "DEBIT",
        "title": "White Debit Card",
        "imageUri": "https://www.queenslandcountry.bank/siteassets/images/product-pages/card-designs/visadebit-white.jpg"
      },
      {
        "cardScheme": "VISA",
        "cardType": "DEBIT",
        "title": "Yellow Debit Card",
        "imageUri": "https://www.queenslandcountry.bank/siteassets/images/product-pages/card-designs/visadebit-yellow.jpg"
      }
    ],
    "features": [
      {
        "featureType": "ADDITIONAL_CARDS"
      },
      {
        "featureType": "CARD_ACCESS",
        "additionalValue": "Visa Debit Card"
      },
      {
        "featureType": "DIGITAL_BANKING"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "APPLE PAY",
        "additionalInfo": "Pay faster, easier and more securely with Apple Pay. Apple Pay eligibility restrictions may apply."
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "GOOGLE PAY",
        "additionalInfo": "Pay faster, easier and more securely with Google Pay, Google Pay eligibility restrictions may apply."
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "SAMSUNG PAY",
        "additionalInfo": "Pay faster, easier and more securely with Samsung Pay. Samsung Pay eligibility restrictions may apply."
      },
      {
        "featureType": "OVERDRAFT"
      },
      {
        "featureType": "UNLIMITED_TXNS"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Continual credit facility."
      }
    ],
    "fees": [
      {
        "name": "Overseas Purchase Fee",
        "feeType": "TRANSACTION",
        "feeMethodUType": "rateBased",
        "rateBased": {
          "rateType": "TRANSACTION",
          "rate": "0.0365",
          "amountRange": {}
        },
        "currency": "AUD",
        "additionalInfo": "Charged as a percentage of the foreign currency transaction value"
      },
      {
        "name": "Disputed Transaction Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "35.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Direct Entry Recall of Funds",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "40.00"
        },
        "currency": "AUD"
      },
      {
        "name": "DE Mistaken Payment Return Req",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "50.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Honour Charge",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Dishonour Insuff. Funds",
        "feeType": "DISHONOUR",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "7.00"
        },
        "currency": "AUD"
      },
      {
        "name": "RTGS Payment Received Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "7.20"
        },
        "currency": "AUD"
      },
      {
        "name": "Other Service Fees",
        "feeType": "OTHER",
        "feeMethodUType": "variable",
        "variable": {},
        "currency": "AUD",
        "additionalInfo": "Refer to our Fees and Charges brochure for information on other transactions which may attract fees and charges",
        "additionalInfoUri": "https://www.queenslandcountry.bank/siteassets/documents/brochures/brochure_fees-charges.pdf"
      },
      {
        "name": "LOC Establishment Fee",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "250.00"
        },
        "currency": "AUD",
        "additionalInfo": "Charging on Origination",
        "discounts": [
          {
            "description": "LOC Establishment Fee",
            "discountType": "ELIGIBILITY_ONLY",
            "discountMethodUType": "rateBased",
            "rateBased": {
              "rateType": "FEE",
              "rate": "1.0",
              "amountRange": {}
            },
            "eligibility": [
              {
                "discountEligibilityType": "OTHER",
                "additionalInfo": "LOC Establishment Fee is waived whilst loan is held under the Ultimate Home Loan Package.\r\n"
              }
            ]
          }
        ]
      },
      {
        "name": "Mortgage Document Fee",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "250.00"
        },
        "currency": "AUD",
        "additionalInfo": "Charging on Origination",
        "discounts": [
          {
            "description": "Mortgage Document Fee",
            "discountType": "ELIGIBILITY_ONLY",
            "discountMethodUType": "rateBased",
            "rateBased": {
              "rateType": "FEE",
              "rate": "1.0",
              "amountRange": {}
            },
            "eligibility": [
              {
                "discountEligibilityType": "OTHER",
                "additionalInfo": "Mortgage Documentation Fee is waived whilst loan is held under the Ultimate Home Loan Package\r\n"
              }
            ]
          }
        ]
      },
      {
        "name": "Package Fee",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "395.00"
        },
        "currency": "AUD",
        "additionalValue": "P1Y",
        "additionalInfo": "Package Fee charged on commencement of Ultimate Home Loan Package and annually on anniversary of the commencement date.  If multiple loans are held under the Ultimate Home Loan Package member can nominate applicable loan to be charged.",
        "discounts": [
          {
            "description": "Stand-alone Line of Credit",
            "discountType": "ELIGIBILITY_ONLY",
            "discountMethodUType": "rateBased",
            "rateBased": {
              "rateType": "FEE",
              "rate": "1.0",
              "amountRange": {}
            },
            "eligibility": [
              {
                "discountEligibilityType": "OTHER",
                "additionalInfo": "The annual package fee is waived whilst the Line of Credit is held as a stand-alone product"
              }
            ]
          },
          {
            "description": "Ultimate Home Loan Package",
            "discountType": "ELIGIBILITY_ONLY",
            "discountMethodUType": "rateBased",
            "rateBased": {
              "rateType": "FEE",
              "rate": "1.0",
              "amountRange": {}
            },
            "eligibility": [
              {
                "discountEligibilityType": "OTHER",
                "additionalInfo": "When multiple loans are held under the Ultimate Home Loan Package, only 1 (one) package fee is charged to the members nominated loan."
              }
            ]
          }
        ]
      },
      {
        "name": "Overlimit Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "30.00"
        },
        "currency": "AUD",
        "discounts": [
          {
            "description": "On a fee for maintaining a set balance",
            "discountType": "BALANCE",
            "discountMethodUType": "rateBased",
            "rateBased": {
              "rateType": "FEE",
              "rate": "1.0",
              "amountRange": {}
            },
            "additionalValue": "50.00"
          }
        ]
      },
      {
        "name": "Annual Facility Fee",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "100.00"
        },
        "currency": "AUD",
        "additionalValue": "P1Y",
        "discounts": [
          {
            "description": "Ultimate Home Loan Package",
            "discountType": "ELIGIBILITY_ONLY",
            "discountMethodUType": "rateBased",
            "rateBased": {
              "rateType": "FEE",
              "rate": "1.0",
              "amountRange": {}
            },
            "eligibility": [
              {
                "discountEligibilityType": "OTHER",
                "additionalInfo": "The Annual Facility Fee is waived whilst the Line of Credit is held under an Ultimate Home Loan Package"
              }
            ]
          }
        ]
      },
      {
        "name": "Val Fee - PropertyHub",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "50.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Other Credit Fees",
        "feeType": "OTHER",
        "feeMethodUType": "variable",
        "variable": {},
        "currency": "AUD",
        "additionalInfo": "Refer to our Fees and Charges brochure for information on other fees and charges which may apply.",
        "additionalInfoUri": "https://www.queenslandcountry.bank/siteassets/documents/brochures/brochure_fees-charges.pdf"
      },
      {
        "name": "Monthly Account Fee",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "currency": "AUD",
        "additionalValue": "P1M"
      },
      {
        "name": "Arrears Letter - Second Arrears Letter",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "40.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Arrears Letter Fee - Default Notice prior to Enforcement",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "70.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Transaction Investigation Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "15.00"
        },
        "currency": "AUD"
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0869",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "OTHER",
        "loanPurpose": "OTHER",
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "OTHER",
            "additionalInfo": "Applicable for Ultimate Home Loan Package holders"
          }
        ],
        "additionalInfo": "Line of Credit - Ultimate Home Loan Package"
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0919",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "OTHER",
        "loanPurpose": "OTHER",
        "additionalInfo": "Line of Credit"
      }
    ]
  }
}