{
  "updated": "2026-10-16",
  "scope": "Partial researched selection; not financial advice or live award availability.",
  "count": 512,
  "markets": 55,
  "cards": [
    {
      "id": "csp",
      "country": "US",
      "issuer": "Chase",
      "name": "Sapphire Preferred",
      "fee": 95,
      "currency": "USD",
      "reward": "Ultimate Rewards points",
      "rate": 1,
      "earn": "1 point / USD 1 on other eligible purchases",
      "special": [
        [
          "Dining",
          3
        ],
        [
          "Travel booked directly",
          2
        ]
      ],
      "route": "Transferable bank points. Selected airline partners include Flying Blue and KrisFlyer, generally 1:1. Check partner minimums and timing before transferring.",
      "eligibility": "US application requirements and credit approval apply. No guaranteed approval score or minimum income is stated here.",
      "note": "No foreign transaction fee. Portal, grocery, streaming, gas and other category bonuses are outside this simplified calculator.",
      "url": "https://www.chase.com/sapphire-cards/personal/preferred",
      "image": "public/assets/cards/csp.webp",
      "imageSource": "https://www.chase.com/sapphire-cards/personal/preferred",
      "imageOriginal": "https://www.chase.com/content/dam/unified-assets/sapphire-cards/personal/preferred/aaa-bbb-ccc-assets/card_sapphirePref_VS.png",
      "status": "Indexed from official sources; confirm availability",
      "verified": true,
      "mileageEligible": true,
      "mileageRoute": "Bank points",
      "mileageSource": "https://www.chase.com/sapphire-cards/personal/preferred",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "verifiedAt": null,
      "calculatorDisabled": true
    },
    {
      "id": "venture",
      "country": "US",
      "issuer": "Capital One",
      "name": "Venture Rewards",
      "fee": 95,
      "currency": "USD",
      "reward": "Capital One miles",
      "rate": 2,
      "earn": "2 miles / USD 1 on eligible purchases",
      "route": "Bank rewards, not airline miles. Partner conversions vary; verify the current partner, ratio, minimum and processing time in the issuer transfer directory.",
      "note": "The calculator uses the everyday rate and excludes portal bonuses.",
      "url": "https://www.capitalone.com/credit-cards/venture/",
      "image": "public/assets/cards/venture.webp",
      "imageSource": "https://www.capitalone.com/credit-cards/venture/",
      "imageOriginal": "https://ecm.capitalone.com/WCM/card/products/venture_cardart_prim_323x203-1/mobile.png",
      "status": "Indexed from official sources; confirm availability",
      "verified": true,
      "mileageEligible": true,
      "mileageRoute": "Bank points",
      "mileageSource": "https://www.capitalone.com/credit-cards/venture/",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "verifiedAt": null,
      "calculatorDisabled": true
    },
    {
      "id": "csr",
      "country": "US",
      "issuer": "Chase",
      "name": "Sapphire Reserve",
      "fee": 795,
      "currency": "USD",
      "reward": "Ultimate Rewards points",
      "rate": 1,
      "earn": "1 Ultimate Rewards points per USD 1 eligible base spend.",
      "route": "Transfer eligible points to participating airline programs. Ratios, minimums and partners depend on the local rewards program.",
      "note": "Purchases reimbursed by specified travel credits do not earn points. Direct airline/hotel categories can earn 4x; calculator includes base, dining and eligible portal purchases only.",
      "url": "https://www.chase.com/sapphire-cards/personal/reserve",
      "extra": null,
      "status": "Official product listing; confirm application availability",
      "verified": true,
      "path": "Bank points",
      "mileageEligible": true,
      "mileageRoute": "Bank points",
      "mileageSource": "https://www.chase.com/sapphire-cards/personal/reserve",
      "type": "Credit card",
      "special": [
        [
          "Dining",
          3
        ],
        [
          "Eligible Chase Travel purchases excluding credited purchases",
          8
        ]
      ],
      "eligibility": "US application eligibility, credit history, identification and issuer underwriting apply. Citizenship alone does not guarantee access.",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "verifiedAt": null,
      "calculatorDisabled": true,
      "image": "public/assets/cards/csr.png",
      "imageSource": "https://www.chase.com/sapphire-cards/personal/reserve",
      "imageOriginal": "https://creditcards.chase.com/content/dam/jpmc-marketplace/card-art/sapphire_reserve_card_Halo.png"
    },
    {
      "id": "amex-us-gold",
      "country": "US",
      "issuer": "American Express",
      "name": "Gold Card",
      "fee": 325,
      "currency": "USD",
      "reward": "Membership Rewards points",
      "rate": 1,
      "earn": "1 Membership Rewards points per USD 1 eligible base spend.",
      "route": "Transfer eligible points to participating airline programs. Ratios, minimums and partners depend on the local rewards program.",
      "note": "Calculator uses the uncapped 1x base rate only. Category multipliers, annual caps and benefit enrollment rules must be checked on the issuer page. Platinum fee needs confirmation.",
      "url": "https://www.americanexpress.com/us/credit-cards/card/gold-card/",
      "extra": "https://www.americanexpress.com/us/rewards/membership-rewards/travel/airlines/",
      "status": "Official product listing; confirm application availability",
      "verified": true,
      "path": "Bank points",
      "mileageEligible": true,
      "mileageRoute": "Bank points",
      "mileageSource": "https://www.americanexpress.com/us/rewards/membership-rewards/travel/airlines/",
      "type": "Charge card / flexible payment",
      "special": [],
      "eligibility": "US application eligibility, credit history, identification and issuer underwriting apply. Citizenship alone does not guarantee access.",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "verifiedAt": null,
      "calculatorDisabled": true,
      "image": "public/assets/cards/amex-us-gold.png",
      "imageSource": "https://www.americanexpress.com/us/credit-cards/card/gold-card/",
      "imageOriginal": "https://icm.aexp-static.com/Internet/Acquisition/US_en/AppContent/OneSite/category/cardarts/gold-card.png"
    },
    {
      "id": "amex-us-platinum",
      "country": "US",
      "issuer": "American Express",
      "name": "Platinum Card",
      "fee": 895,
      "currency": "USD",
      "reward": "Membership Rewards points",
      "rate": 1,
      "earn": "1 Membership Rewards points per USD 1 eligible base spend.",
      "route": "Transfer eligible points to participating airline programs. Ratios, minimums and partners depend on the local rewards program.",
      "note": "Calculator uses 1x base earning only. Flight 5x earning is capped at USD 500,000 per calendar year. Eligible prepaid Amex Travel hotel bookings also have higher earning; enrollment and credit rules apply.",
      "url": "https://www.americanexpress.com/us/credit-cards/card/platinum/",
      "extra": "https://www.americanexpress.com/us/rewards/membership-rewards/travel/airlines/",
      "status": "Official product listing; confirm application availability",
      "verified": true,
      "path": "Bank points",
      "mileageEligible": true,
      "mileageRoute": "Bank points",
      "mileageSource": "https://www.americanexpress.com/us/rewards/membership-rewards/travel/airlines/",
      "type": "Charge card / flexible payment",
      "special": [],
      "eligibility": "US application eligibility, credit history, identification and issuer underwriting apply. Citizenship alone does not guarantee access.",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "verifiedAt": null,
      "calculatorDisabled": true,
      "image": "public/assets/cards/amex-us-platinum.png",
      "imageSource": "https://www.americanexpress.com/us/credit-cards/card/platinum/",
      "imageOriginal": "https://icm.aexp-static.com/Internet/Acquisition/US_en/AppContent/OneSite/category/cardarts/platinum-card.png"
    },
    {
      "id": "venture-x",
      "country": "US",
      "issuer": "Capital One",
      "name": "Venture X Rewards",
      "fee": 395,
      "currency": "USD",
      "reward": "Capital One miles",
      "rate": 2,
      "earn": "2 Capital One miles per USD 1 eligible base spend.",
      "route": "Transfer eligible points to participating airline programs. Ratios, minimums and partners depend on the local rewards program.",
      "note": "2x base earning. Eligible portal bookings have higher rates. Capital One miles are bank rewards; airline transfer ratios vary.",
      "url": "https://www.capitalone.com/credit-cards/venture-x/",
      "extra": null,
      "status": "Official product listing; confirm application availability",
      "verified": true,
      "path": "Bank points",
      "mileageEligible": true,
      "mileageRoute": "Bank points",
      "mileageSource": "https://www.capitalone.com/credit-cards/venture-x/",
      "type": "Credit card",
      "special": [],
      "eligibility": "US application eligibility, credit history, identification and issuer underwriting apply. Citizenship alone does not guarantee access.",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "verifiedAt": null,
      "calculatorDisabled": true,
      "image": "public/assets/cards/venture-x.png",
      "imageSource": "https://www.capitalone.com/credit-cards/venture-x/",
      "imageOriginal": "https://ecm.capitalone.com/WCM/card/products/venturex-cg-static-card-1000x630-2.png"
    },
    {
      "id": "ventureone",
      "country": "US",
      "issuer": "Capital One",
      "name": "VentureOne Rewards",
      "fee": 0,
      "currency": "USD",
      "reward": "Capital One miles",
      "rate": 1.25,
      "earn": "1.25 Capital One miles per USD 1 eligible base spend.",
      "route": "Transfer eligible points to participating airline programs. Ratios, minimums and partners depend on the local rewards program.",
      "note": "Standard recurring membership fee shown; introductory waivers and welcome offers excluded. Check exclusions, foreign-exchange charges and current issuer terms.",
      "url": "https://www.capitalone.com/credit-cards/ventureone/",
      "extra": null,
      "status": "Official product listing; confirm application availability",
      "verified": true,
      "path": "Bank points",
      "mileageEligible": true,
      "mileageRoute": "Bank points",
      "mileageSource": "https://www.capitalone.com/credit-cards/ventureone/",
      "type": "Credit card",
      "special": [],
      "eligibility": "US application eligibility, credit history, identification and issuer underwriting apply. Citizenship alone does not guarantee access.",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "verifiedAt": null,
      "calculatorDisabled": true,
      "image": "public/assets/cards/ventureone.png",
      "imageSource": "https://www.capitalone.com/credit-cards/ventureone/",
      "imageOriginal": "https://ecm.capitalone.com/WCM/card/products/ventureone_cardart_prim_323x203.png"
    },
    {
      "id": "citi-strata-premier",
      "country": "US",
      "issuer": "Citi",
      "name": "Strata Premier",
      "fee": 95,
      "currency": "USD",
      "reward": "ThankYou points",
      "rate": 1,
      "earn": "1 ThankYou point per USD 1 eligible base spend.",
      "route": "Transfer ThankYou points to participating airline programs including American Airlines, JetBlue, Virgin Atlantic and Cathay; verify the live partner table.",
      "note": "Standard recurring membership fee shown; introductory waivers and welcome offers excluded. Check exclusions, foreign-exchange charges and current issuer terms.",
      "url": "https://www.citi.com/credit-cards/citi-strata-premier-credit-card",
      "extra": "https://www.citi.com/credit-cards/citi-strata-all-cards",
      "status": "Official product listing; confirm application availability",
      "verified": true,
      "path": "Bank points",
      "mileageEligible": true,
      "mileageRoute": "Bank points",
      "mileageSource": "https://www.citi.com/credit-cards/citi-strata-premier-credit-card",
      "type": "Credit card",
      "special": [],
      "eligibility": "US application eligibility, credit history, identification and issuer underwriting apply. Citizenship alone does not guarantee access.",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "verifiedAt": null,
      "calculatorDisabled": true,
      "image": "public/assets/cards/citi-strata-premier.webp",
      "imageSource": "https://www.citi.com/credit-cards/citi-strata-premier-credit-card",
      "imageOriginal": "https://aemapi.citi.com/content/dam/cfs/uspb/usmkt/cards/en/static/images/citi-strata-premier-credit-card/citi-strata-premier-credit-card_306x192.webp"
    },
    {
      "id": "citi-strata-elite",
      "country": "US",
      "issuer": "Citi",
      "name": "Strata Elite",
      "fee": 595,
      "currency": "USD",
      "reward": "ThankYou points",
      "rate": 1.5,
      "earn": "1.5 ThankYou points per USD 1 eligible base spend.",
      "route": "Transfer eligible points to participating airline programs. Ratios, minimums and partners depend on the local rewards program.",
      "note": "Citi Nights restaurant multiplier has time restrictions; calculator uses ordinary restaurant rate. Annual fee not confirmed in this review.",
      "url": "https://www.citi.com/credit-cards/citi-strata-elite-credit-card",
      "extra": null,
      "status": "Official product listing; confirm application availability",
      "verified": true,
      "path": "Bank points",
      "mileageEligible": true,
      "mileageRoute": "Bank points",
      "mileageSource": "https://www.citi.com/credit-cards/citi-strata-elite-credit-card",
      "type": "Credit card",
      "special": [
        [
          "Restaurants outside Citi Nights",
          3
        ],
        [
          "Citi Travel air bookings",
          6
        ],
        [
          "Citi Travel hotels, car rentals and attractions",
          12
        ]
      ],
      "eligibility": "US application eligibility, credit history, identification and issuer underwriting apply. Citizenship alone does not guarantee access.",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "verifiedAt": null,
      "calculatorDisabled": true,
      "image": "public/assets/cards/citi-strata-elite.webp",
      "imageSource": "https://www.citi.com/credit-cards/citi-strata-elite-credit-card",
      "imageOriginal": "https://aemapi.citi.com/content/dam/cfs/uspb/usmkt/cards/en/static/images/citi-strata-elite-credit-card/citi-strata-elite-credit-card_306x192.webp"
    },
    {
      "id": "wf-autograph-journey",
      "country": "US",
      "issuer": "Wells Fargo",
      "name": "Autograph Journey",
      "fee": 95,
      "currency": "USD",
      "reward": "Wells Fargo Rewards points",
      "rate": 1,
      "earn": "1 Wells Fargo Rewards points per USD 1 eligible base spend.",
      "route": "Transfer eligible points to participating airline programs. Ratios, minimums and partners depend on the local rewards program.",
      "note": "Standard recurring membership fee shown; introductory waivers and welcome offers excluded. Check exclusions, foreign-exchange charges and current issuer terms.",
      "url": "https://creditcards.wellsfargo.com/autograph-journey-visa-credit-card/",
      "extra": "https://www.wellsfargo.com/assets/pdf/personal/credit-cards/rewards/rewards-terms.pdf",
      "status": "Official product listing; confirm application availability",
      "verified": true,
      "path": "Bank points",
      "mileageEligible": true,
      "mileageRoute": "Bank points",
      "mileageSource": "https://www.wellsfargo.com/assets/pdf/personal/credit-cards/rewards/rewards-terms.pdf",
      "type": "Credit card",
      "special": [
        [
          "Hotels",
          5
        ],
        [
          "Airlines",
          4
        ],
        [
          "Restaurants and other eligible travel",
          3
        ]
      ],
      "eligibility": "US application eligibility, credit history, identification and issuer underwriting apply. Citizenship alone does not guarantee access.",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "verifiedAt": null,
      "calculatorDisabled": true,
      "image": "public/assets/cards/wf-autograph-journey.webp",
      "imageSource": "https://creditcards.wellsfargo.com/autograph-journey-visa-credit-card/",
      "imageOriginal": "https://creditcards.wellsfargo.com/rv/next/images/cards/autograph-journey.webp"
    },
    {
      "id": "wf-autograph",
      "country": "US",
      "issuer": "Wells Fargo",
      "name": "Autograph",
      "fee": 0,
      "currency": "USD",
      "reward": "Wells Fargo Rewards points",
      "rate": 1,
      "earn": "1 Wells Fargo Rewards point per USD 1 other purchases; 3 on eligible restaurants, travel, gas/EV charging, transit, popular streaming and phone plans.",
      "route": "Transfer eligible points to participating airline programs. Ratios, minimums and partners depend on the local rewards program.",
      "note": "The product page confirms transfers to selected travel loyalty programs and no annual fee. Merchant-category eligibility and partner transfer terms apply.",
      "url": "https://creditcards.wellsfargo.com/autograph-visa-credit-card/",
      "extra": "https://www.wellsfargo.com/assets/pdf/personal/credit-cards/rewards/rewards-terms.pdf",
      "status": "Listed on official product website; application subject to approval",
      "verified": true,
      "path": "Bank points",
      "mileageEligible": true,
      "mileageRoute": "Bank points",
      "mileageSource": "https://www.wellsfargo.com/assets/pdf/personal/credit-cards/rewards/rewards-terms.pdf",
      "type": "Credit card",
      "special": [],
      "eligibility": "US application eligibility, credit history, identification and issuer underwriting apply. Citizenship alone does not guarantee access.",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "verifiedAt": "2026-10-14",
      "calculatorDisabled": true,
      "verificationScope": "Official product, mileage route, published fee and earning summary checked. Detailed exclusions and fields marked unverified still need review.",
      "earningSource": "https://creditcards.wellsfargo.com/autograph-visa-credit-card/",
      "image": "public/assets/cards/wf-autograph.webp",
      "imageSource": "https://creditcards.wellsfargo.com/autograph-visa-credit-card/",
      "imageOriginal": "https://creditcards.wellsfargo.com/rv/next/images/cards/autograph.webp"
    },
    {
      "id": "united-gateway",
      "country": "US",
      "issuer": "Chase",
      "name": "United Gateway",
      "fee": 0,
      "currency": "USD",
      "reward": "United MileagePlus miles",
      "rate": 1,
      "earn": "1 MileagePlus mile per USD 1 other eligible spend; 2 on United purchases, gas stations and local transit/commuting.",
      "route": "Miles credit to your linked airline loyalty account.",
      "note": "These are card-spending miles. Advertised total flight mileage also includes flight-based earning and must not be used as a card earning rate. Fare restrictions apply.",
      "url": "https://creditcards.chase.com/travel-credit-cards/united",
      "extra": "https://media.chase.com/news/united-refresh-2025",
      "status": "Official product listing; confirm application availability",
      "verified": true,
      "path": "Direct miles",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "mileageSource": "https://media.chase.com/news/united-refresh-2025",
      "type": "Credit card",
      "special": [],
      "eligibility": "US application eligibility, credit history, identification and issuer underwriting apply. Citizenship alone does not guarantee access.",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "verifiedAt": "2026-10-14",
      "calculatorDisabled": true,
      "earningSource": "https://www.chase.com/personal/credit-cards/united/mileageplus-gateway",
      "verificationScope": "Published fee and/or earning fields checked against the linked official source; remaining terms are partially verified.",
      "image": "public/assets/cards/united-gateway.png",
      "imageSource": "https://creditcards.chase.com/travel-credit-cards/united",
      "imageOriginal": "https://creditcards.chase.com/content/dam/jpmc-marketplace/card-art/united_gateway_card.png"
    },
    {
      "id": "united-explorer",
      "country": "US",
      "issuer": "Chase",
      "name": "United Explorer",
      "fee": 150,
      "currency": "USD",
      "reward": "United MileagePlus miles",
      "rate": 1,
      "earn": "1 MileagePlus mile per USD 1 other eligible spend; 3 on eligible United purchases; 2 dining and hotels booked directly.",
      "route": "Miles credit to your linked airline loyalty account.",
      "note": "These are card-spending miles. Advertised total flight mileage also includes flight-based earning and must not be used as a card earning rate. Fare restrictions apply.",
      "url": "https://creditcards.chase.com/travel-credit-cards/united",
      "extra": "https://media.chase.com/news/united-refresh-2025",
      "status": "Official product listing; confirm application availability",
      "verified": true,
      "path": "Direct miles",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "mileageSource": "https://media.chase.com/news/united-refresh-2025",
      "type": "Credit card",
      "special": [],
      "eligibility": "US application eligibility, credit history, identification and issuer underwriting apply. Citizenship alone does not guarantee access.",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "verifiedAt": "2026-10-14",
      "calculatorDisabled": true,
      "earningSource": "https://www.chase.com/personal/credit-cards/united/united-explorer-card",
      "verificationScope": "Published fee and/or earning fields checked against the linked official source; remaining terms are partially verified.",
      "image": "public/assets/cards/united-explorer.png",
      "imageSource": "https://creditcards.chase.com/travel-credit-cards/united",
      "imageOriginal": "https://creditcards.chase.com/content/dam/jpmc-marketplace/card-art/united_explorer_new_card.png"
    },
    {
      "id": "united-quest",
      "country": "US",
      "issuer": "Chase",
      "name": "United Quest",
      "fee": 350,
      "currency": "USD",
      "reward": "United MileagePlus miles",
      "rate": 1,
      "earn": "1 MileagePlus mile per USD 1 other eligible spend; 4 on eligible United purchases; 2 dining, other travel and selected streaming; 5 prepaid Renowned Hotels.",
      "route": "Miles credit to your linked airline loyalty account.",
      "note": "These are card-spending miles. Advertised total flight mileage also includes flight-based earning and must not be used as a card earning rate. Fare restrictions apply.",
      "url": "https://creditcards.chase.com/travel-credit-cards/united",
      "extra": "https://media.chase.com/news/united-refresh-2025",
      "status": "Official product listing; confirm application availability",
      "verified": true,
      "path": "Direct miles",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "mileageSource": "https://media.chase.com/news/united-refresh-2025",
      "type": "Credit card",
      "special": [],
      "eligibility": "US application eligibility, credit history, identification and issuer underwriting apply. Citizenship alone does not guarantee access.",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "verifiedAt": "2026-10-14",
      "calculatorDisabled": true,
      "earningSource": "https://www.chase.com/personal/credit-cards/united/united-quest-card",
      "verificationScope": "Published fee and/or earning fields checked against the linked official source; remaining terms are partially verified.",
      "image": "public/assets/cards/united-quest.png",
      "imageSource": "https://creditcards.chase.com/travel-credit-cards/united",
      "imageOriginal": "https://creditcards.chase.com/content/dam/jpmc-marketplace/card-art/united_quest_new_card.png"
    },
    {
      "id": "united-club",
      "country": "US",
      "issuer": "Chase",
      "name": "United Club",
      "fee": 695,
      "currency": "USD",
      "reward": "United MileagePlus miles",
      "rate": null,
      "earn": "See issuer earning schedule; calculator unavailable pending rate verification.",
      "route": "Miles credit to your linked airline loyalty account.",
      "note": "Mileage earning depends on card and purchase category. Standard recurring fee shown; Explorer introductory waiver may apply. Check current baggage, credit and lounge conditions.",
      "url": "https://creditcards.chase.com/travel-credit-cards/united",
      "extra": "https://media.chase.com/news/united-refresh-2025",
      "status": "Official product listing; confirm application availability",
      "verified": false,
      "path": "Direct miles",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "mileageSource": "https://media.chase.com/news/united-refresh-2025",
      "type": "Credit card",
      "special": [],
      "eligibility": "US application eligibility, credit history, identification and issuer underwriting apply. Citizenship alone does not guarantee access.",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "verifiedAt": null,
      "calculatorDisabled": true,
      "image": "public/assets/cards/united-club.png",
      "imageSource": "https://creditcards.chase.com/travel-credit-cards/united",
      "imageOriginal": "https://creditcards.chase.com/content/dam/jpmc-marketplace/card-art/united_club_new_infinite_card.png"
    },
    {
      "id": "delta-blue",
      "country": "US",
      "issuer": "American Express",
      "name": "Delta SkyMiles Blue",
      "fee": 0,
      "currency": "USD",
      "reward": "Delta SkyMiles",
      "rate": 1,
      "earn": "1 SkyMile per USD 1 other eligible purchases; 2 on direct Delta purchases and restaurants (including US takeout/delivery).",
      "route": "Miles credit to your linked airline loyalty account.",
      "note": "SkyMiles earned from card spending are separate from Medallion Qualification Dollars. Detailed exclusions and transaction rounding need review.",
      "url": "https://www.delta.com/us/en/skymiles/airline-credit-cards/american-express-personal-cards",
      "extra": null,
      "status": "Official product listing; confirm application availability",
      "verified": true,
      "path": "Direct miles",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "mileageSource": "https://www.delta.com/us/en/skymiles/airline-credit-cards/american-express-personal-cards",
      "type": "Credit card",
      "special": [],
      "eligibility": "US application eligibility, credit history, identification and issuer underwriting apply. Citizenship alone does not guarantee access.",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "verifiedAt": "2026-10-14",
      "calculatorDisabled": true,
      "earningSource": "https://www.americanexpress.com/us/credit-cards/card/delta-skymiles-blue-american-express-card/",
      "verificationScope": "Published fee and/or earning fields checked against the linked official source; remaining terms are partially verified.",
      "image": "public/assets/cards/delta-blue.png",
      "imageSource": "https://www.delta.com/us/en/skymiles/airline-credit-cards/american-express-personal-cards",
      "imageOriginal": "https://icm.aexp-static.com/Internet/Acquisition/US_en/AppContent/OneSite/category/cardarts/delta-blue.png"
    },
    {
      "id": "delta-gold",
      "country": "US",
      "issuer": "American Express",
      "name": "Delta SkyMiles Gold",
      "fee": 150,
      "currency": "USD",
      "reward": "Delta SkyMiles",
      "rate": 1,
      "earn": "1 SkyMile per USD 1 other eligible purchases; 2 on direct Delta purchases, restaurants (including US takeout/delivery) and US supermarkets.",
      "route": "Miles credit to your linked airline loyalty account.",
      "note": "SkyMiles earned from card spending are separate from Medallion Qualification Dollars. Detailed exclusions and transaction rounding need review.",
      "url": "https://www.delta.com/us/en/skymiles/airline-credit-cards/american-express-personal-cards",
      "extra": null,
      "status": "Official product listing; confirm application availability",
      "verified": true,
      "path": "Direct miles",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "mileageSource": "https://www.delta.com/us/en/skymiles/airline-credit-cards/american-express-personal-cards",
      "type": "Credit card",
      "special": [],
      "eligibility": "US application eligibility, credit history, identification and issuer underwriting apply. Citizenship alone does not guarantee access.",
      "firstYearFee": 0,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "verifiedAt": "2026-10-14",
      "calculatorDisabled": true,
      "earningSource": "https://www.americanexpress.com/us/credit-cards/card/delta-skymiles-gold-american-express-card/",
      "verificationScope": "Published fee and/or earning fields checked against the linked official source; remaining terms are partially verified.",
      "image": "public/assets/cards/delta-gold.png",
      "imageSource": "https://www.delta.com/us/en/skymiles/airline-credit-cards/american-express-personal-cards",
      "imageOriginal": "https://icm.aexp-static.com/acquisition/card-art/NUS000000385_480x304_straight_withname.png"
    },
    {
      "id": "delta-platinum",
      "country": "US",
      "issuer": "American Express",
      "name": "Delta SkyMiles Platinum",
      "fee": 350,
      "currency": "USD",
      "reward": "Delta SkyMiles",
      "rate": 1,
      "earn": "1 SkyMile per USD 1 other eligible purchases; 3 on direct Delta and hotel purchases; 2 restaurants (including US takeout/delivery) and US supermarkets.",
      "route": "Miles credit to your linked airline loyalty account.",
      "note": "SkyMiles earned from card spending are separate from Medallion Qualification Dollars. Detailed exclusions and transaction rounding need review.",
      "url": "https://www.delta.com/us/en/skymiles/airline-credit-cards/american-express-personal-cards",
      "extra": null,
      "status": "Official product listing; confirm application availability",
      "verified": true,
      "path": "Direct miles",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "mileageSource": "https://www.delta.com/us/en/skymiles/airline-credit-cards/american-express-personal-cards",
      "type": "Credit card",
      "special": [],
      "eligibility": "US application eligibility, credit history, identification and issuer underwriting apply. Citizenship alone does not guarantee access.",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "verifiedAt": "2026-10-14",
      "calculatorDisabled": true,
      "earningSource": "https://www.americanexpress.com/us/credit-cards/card/delta-skymiles-platinum-american-express-card/",
      "verificationScope": "Published fee and/or earning fields checked against the linked official source; remaining terms are partially verified.",
      "image": "public/assets/cards/delta-platinum.png",
      "imageSource": "https://www.delta.com/us/en/skymiles/airline-credit-cards/american-express-personal-cards",
      "imageOriginal": "https://icm.aexp-static.com/Internet/Acquisition/US_en/AppContent/OneSite/category/cardarts/platinum-delta-skymiles.png"
    },
    {
      "id": "delta-reserve",
      "country": "US",
      "issuer": "American Express",
      "name": "Delta SkyMiles Reserve",
      "fee": 650,
      "currency": "USD",
      "reward": "Delta SkyMiles",
      "rate": 1,
      "earn": "1 SkyMile per USD 1 other eligible purchases; 3 on direct Delta purchases.",
      "route": "Miles credit to your linked airline loyalty account.",
      "note": "SkyMiles earned from card spending are separate from Medallion Qualification Dollars. Detailed exclusions and transaction rounding need review.",
      "url": "https://www.delta.com/us/en/skymiles/airline-credit-cards/american-express-personal-cards",
      "extra": null,
      "status": "Official product listing; confirm application availability",
      "verified": true,
      "path": "Direct miles",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "mileageSource": "https://www.delta.com/us/en/skymiles/airline-credit-cards/american-express-personal-cards",
      "type": "Credit card",
      "special": [],
      "eligibility": "US application eligibility, credit history, identification and issuer underwriting apply. Citizenship alone does not guarantee access.",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "verifiedAt": "2026-10-14",
      "calculatorDisabled": true,
      "earningSource": "https://www.americanexpress.com/us/credit-cards/card/delta-skymiles-reserve-american-express-card/",
      "verificationScope": "Published fee and/or earning fields checked against the linked official source; remaining terms are partially verified.",
      "image": "public/assets/cards/delta-reserve.png",
      "imageSource": "https://www.delta.com/us/en/skymiles/airline-credit-cards/american-express-personal-cards",
      "imageOriginal": "https://icm.aexp-static.com/Internet/Acquisition/US_en/AppContent/OneSite/category/cardarts/delta-reserve.png"
    },
    {
      "id": "southwest-plus",
      "country": "US",
      "issuer": "Chase",
      "name": "Southwest Rapid Rewards Plus",
      "fee": 99,
      "currency": "USD",
      "reward": "Southwest Rapid Rewards points",
      "rate": 1,
      "earn": "1 Rapid Rewards point per USD 1 eligible base spend.",
      "route": "Miles credit to your linked airline loyalty account.",
      "note": "Standard recurring membership fee shown; introductory waivers and welcome offers excluded. Check exclusions, foreign-exchange charges and current issuer terms.",
      "url": "https://www.southwest.com/rapid-rewards/partners/credit-cards/consumer-cards/",
      "extra": "https://creditcards.chase.com/southwest/FAQ",
      "status": "Official product listing; confirm application availability",
      "verified": true,
      "path": "Direct miles",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "mileageSource": "https://media.chase.com/news/chase-southwest-introduce-new-card-benefits",
      "type": "Credit card",
      "special": [],
      "eligibility": "US application eligibility, credit history, identification and issuer underwriting apply. Citizenship alone does not guarantee access.",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "verifiedAt": null,
      "calculatorDisabled": true,
      "image": "public/assets/cards/southwest-plus.png",
      "imageSource": "https://www.southwest.com/rapid-rewards/partners/credit-cards/consumer-cards/",
      "imageOriginal": "https://creditcards.chase.com/content/dam/jpmc-marketplace/card-art/swa_plus_card_New.png"
    },
    {
      "id": "southwest-premier",
      "country": "US",
      "issuer": "Chase",
      "name": "Southwest Rapid Rewards Premier",
      "fee": 149,
      "currency": "USD",
      "reward": "Southwest Rapid Rewards points",
      "rate": 1,
      "earn": "1 Rapid Rewards point per USD 1 eligible base spend.",
      "route": "Miles credit to your linked airline loyalty account.",
      "note": "Standard recurring membership fee shown; introductory waivers and welcome offers excluded. Check exclusions, foreign-exchange charges and current issuer terms.",
      "url": "https://www.southwest.com/rapid-rewards/partners/credit-cards/consumer-cards/",
      "extra": "https://creditcards.chase.com/southwest/FAQ",
      "status": "Official product listing; confirm application availability",
      "verified": true,
      "path": "Direct miles",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "mileageSource": "https://media.chase.com/news/chase-southwest-introduce-new-card-benefits",
      "type": "Credit card",
      "special": [],
      "eligibility": "US application eligibility, credit history, identification and issuer underwriting apply. Citizenship alone does not guarantee access.",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "verifiedAt": null,
      "calculatorDisabled": true,
      "image": "public/assets/cards/southwest-premier.png",
      "imageSource": "https://www.southwest.com/rapid-rewards/partners/credit-cards/consumer-cards/",
      "imageOriginal": "https://creditcards.chase.com/content/dam/jpmc-marketplace/card-art/swa_premier_card.png"
    },
    {
      "id": "southwest-priority",
      "country": "US",
      "issuer": "Chase",
      "name": "Southwest Rapid Rewards Priority",
      "fee": 229,
      "currency": "USD",
      "reward": "Southwest Rapid Rewards points",
      "rate": 1,
      "earn": "1 Rapid Rewards point per USD 1 eligible base spend.",
      "route": "Miles credit to your linked airline loyalty account.",
      "note": "Standard recurring membership fee shown; introductory waivers and welcome offers excluded. Check exclusions, foreign-exchange charges and current issuer terms.",
      "url": "https://www.southwest.com/rapid-rewards/partners/credit-cards/consumer-cards/",
      "extra": "https://creditcards.chase.com/southwest/FAQ",
      "status": "Official product listing; confirm application availability",
      "verified": true,
      "path": "Direct miles",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "mileageSource": "https://media.chase.com/news/chase-southwest-introduce-new-card-benefits",
      "type": "Credit card",
      "special": [],
      "eligibility": "US application eligibility, credit history, identification and issuer underwriting apply. Citizenship alone does not guarantee access.",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "verifiedAt": null,
      "calculatorDisabled": true,
      "image": "public/assets/cards/southwest-priority.png",
      "imageSource": "https://www.southwest.com/rapid-rewards/partners/credit-cards/consumer-cards/",
      "imageOriginal": "https://creditcards.chase.com/content/dam/jpmc-marketplace/card-art/swa_priority_card-2.png"
    },
    {
      "type": "Personal credit card",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "verifiedAt": "2026-10-15",
      "calculatorDisabled": true,
      "mileageEligible": true,
      "status": "Official product indexed; confirm current terms",
      "verified": true,
      "image": "public/assets/cards/us-chase-aeroplan.png",
      "imageSource": "https://creditcards.chase.com/travel-credit-cards/aircanada/aeroplan",
      "extra": null,
      "eligibility": "Local residency, age, income, credit assessment and issuer-specific requirements apply.",
      "id": "us-chase-aeroplan",
      "country": "US",
      "issuer": "Chase",
      "name": "Air Canada Aeroplan Card",
      "fee": 195,
      "currency": "USD",
      "reward": "Aeroplan points",
      "rate": 1,
      "earn": "1 Aeroplan point per USD 1 other eligible purchases; higher 2026 category rates apply.",
      "route": "Direct Aeroplan points transferred after each billing cycle.",
      "mileageRoute": "Direct miles",
      "url": "https://creditcards.chase.com/travel-credit-cards/aircanada/aeroplan",
      "mileageSource": "https://creditcards.chase.com/aircanada",
      "note": "Points do not expire while the card account remains open. Category rates may change after December 31, 2026. Base earning only, per the issuer product page. Category bonuses are not itemized here and calculators stay disabled.",
      "earningSource": "https://creditcards.chase.com/travel-credit-cards/aircanada/aeroplan",
      "imageOriginal": "https://creditcards.chase.com/content/dam/jpmc-marketplace/card-art/AirCanada_Aeroplan_cardart.png"
    },
    {
      "type": "Personal credit card",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "verifiedAt": "2026-10-13",
      "calculatorDisabled": true,
      "mileageEligible": true,
      "status": "Official product indexed; confirm current terms",
      "verified": true,
      "image": "public/assets/cards/us-atmos-ascent.png",
      "imageSource": "https://www.bankofamerica.com/credit-cards/products/alaska-airlines-credit-card/",
      "extra": null,
      "eligibility": "Local residency, age, income, credit assessment and issuer-specific requirements apply.",
      "id": "us-atmos-ascent",
      "country": "US",
      "issuer": "Bank of America",
      "name": "Atmos Rewards Ascent Visa Signature",
      "fee": 95,
      "currency": "USD",
      "reward": "Atmos Rewards points",
      "rate": null,
      "earn": "See current issuer earning schedule; calculator disabled.",
      "route": "Direct Atmos Rewards points redeemable with Alaska Airlines, Hawaiian Airlines and partners.",
      "mileageRoute": "Direct miles",
      "url": "https://www.bankofamerica.com/credit-cards/products/alaska-airlines-credit-card/",
      "mileageSource": "https://www.bankofamerica.com/credit-cards/visa-credit-cards/",
      "note": "Former Alaska Airlines Visa Signature branding may appear in older materials.",
      "imageOriginal": "https://www.bankofamerica.com/content/images/ContextualSiteGraphics/CreditCardArt/en_US/Approved_PCM/1bbt_sigcm_v_atmos_ascent_250.png"
    },
    {
      "type": "Personal credit card",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "verifiedAt": "2026-10-13",
      "calculatorDisabled": true,
      "mileageEligible": true,
      "status": "Official product indexed; confirm current terms",
      "verified": true,
      "image": "public/assets/cards/us-atmos-summit.png",
      "imageSource": "https://www.bankofamerica.com/credit-cards/products/alaska-airlines-infinite-credit-card/",
      "extra": null,
      "eligibility": "Local residency, age, income, credit assessment and issuer-specific requirements apply.",
      "id": "us-atmos-summit",
      "country": "US",
      "issuer": "Bank of America",
      "name": "Atmos Rewards Summit Visa Infinite",
      "fee": 395,
      "currency": "USD",
      "reward": "Atmos Rewards points",
      "rate": null,
      "earn": "1 point per USD 1 other eligible purchases; 3 per USD 1 eligible dining, foreign and Alaska/Hawaiian purchases.",
      "route": "Direct Atmos Rewards points redeemable with Alaska Airlines, Hawaiian Airlines and partners.",
      "mileageRoute": "Direct miles",
      "url": "https://www.bankofamerica.com/credit-cards/products/alaska-airlines-infinite-credit-card/",
      "mileageSource": "https://www.bankofamerica.com/credit-cards/products/alaska-airlines-infinite-credit-card/",
      "note": "Official page records a possible 10% points bonus with an eligible Bank of America account.",
      "imageOriginal": "https://www.bankofamerica.com/content/images/ContextualSiteGraphics/CreditCardArt/en_US/Approved_PCM/1bed_rewcm_v_atmos_visafront_infinite_250.png"
    },
    {
      "id": "bca-sq",
      "country": "ID",
      "issuer": "BCA",
      "name": "Singapore Airlines KrisFlyer Visa Signature",
      "fee": 500000,
      "currency": "IDR",
      "reward": "KrisFlyer miles",
      "rate": 0.00007407407407407407,
      "earn": "1 mile / IDR 13,500 eligible spend",
      "income": 3000000,
      "route": "Co-brand miles credited to your linked KrisFlyer account monthly. Allow up to two weeks after the statement date. No bank-point conversion is required.",
      "eligibility": "Main applicant: age 21 (or married) to 65; Indonesian citizen or foreign resident in Indonesia. Published minimum monthly income: IDR 3,000,000. Approval remains subject to BCA assessment.",
      "note": "Monthly threshold bonuses and welcome offers are excluded from estimates.",
      "url": "https://www.bca.co.id/en/Individu/produk/Kartu-Kredit/Sq-Visa-Signature",
      "image": "public/assets/cards/bca-sq.webp",
      "imageSource": "https://www.bca.co.id/en/Individu/produk/Kartu-Kredit/Sq-Visa-Signature",
      "imageOriginal": "https://www.bca.co.id/-/media/Feature/Credit-Card/SQ/SQ-signature.png?v=1",
      "status": "Indexed from official sources; confirm availability",
      "verified": true,
      "path": "Direct airline miles",
      "mileageEligible": true,
      "mileageSource": "https://www.bca.co.id/en/Individu/produk/Kartu-Kredit/Sq-Visa-Signature",
      "mileageRoute": "Direct miles",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "verifiedAt": null,
      "calculatorDisabled": true
    },
    {
      "id": "bni-garuda",
      "country": "ID",
      "issuer": "BNI",
      "name": "Garuda BNI Visa Signature",
      "fee": 800000,
      "currency": "IDR",
      "reward": "GarudaMiles",
      "rate": 0.00008333333333333333,
      "earn": "2 miles / IDR 24,000 eligible spend",
      "income": 3000000,
      "route": "Co-brand GarudaMiles transferred at month-end once at least 2,500 miles accumulate. From February 26, 2026, balances below 500 miles are cleared after each 12-month period.",
      "eligibility": "Published minimum annual income: IDR 36 million. Main applicant: age 21–65; supplementary card: 17+. Subject to issuer assessment.",
      "note": "Rate effective February 26, 2026. QRIS, bill payments, utilities, cash withdrawals and other excluded categories do not earn. Standard fee shown; conditional fee waivers may apply.",
      "url": "https://www.bni.co.id/creditcard/id-id/produk/riplay-personal/garuda-bni-card-riplay-personal",
      "extra": "https://www.bni.co.id/creditcard/id-id/produk/produkkartukreditbni/garudabnicard",
      "image": "https://www.bni.co.id/portals/3/BNI/CreditCard/Produk/Images/kartu-kredit-garuda-bni-signature-v1.jpg",
      "imageSource": "https://www.bni.co.id/creditcard/id-id/produk/produkkartukreditbni/garudabnicard",
      "status": "Indexed from official sources; confirm availability",
      "verified": true,
      "path": "Direct airline miles",
      "mileageEligible": true,
      "mileageSource": "https://www.bni.co.id/creditcard/id-id/produk/produkkartukreditbni/garudabnicard",
      "mileageRoute": "Direct miles",
      "feeSource": "https://www.bni.co.id/creditcard/en-us/product/costinformationandinterestcalculation",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "verifiedAt": null,
      "calculatorDisabled": true
    },
    {
      "id": "bca-everyday-card",
      "country": "ID",
      "issuer": "BCA",
      "name": "Everyday Card",
      "fee": 125000,
      "currency": "IDR",
      "reward": "Reward BCA (IDR)",
      "rate": 0.003,
      "earn": "0.3% of eligible purchases as Reward BCA",
      "route": "Convert eligible Reward BCA to airline miles; the World tier has a separate conversion table.",
      "note": "Main card annual fee IDR 125,000 per BCA product page.",
      "url": "https://www.bca.co.id/id/Individu/produk/Kartu-Kredit/Everyday-card",
      "extra": "https://www.bca.co.id/id/individu/produk/reward-bca",
      "status": "Indexed from official sources; confirm availability",
      "verified": true,
      "path": "Bank points / check terms",
      "image": "https://www.bca.co.id/-/media/Feature/Card/List-Card/2022/BCA-Everyday-Card.png?v=1",
      "imageSource": "https://www.bca.co.id/id/Individu/produk/Kartu-Kredit/Everyday-card",
      "mileageEligible": true,
      "mileageSource": "https://www.bca.co.id/id/individu/produk/reward-bca",
      "mileageRoute": "Bank points",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "verifiedAt": "2026-10-15",
      "calculatorDisabled": true,
      "feeSource": "https://www.bca.co.id/id/Individu/produk/Kartu-Kredit/Everyday-card"
    },
    {
      "id": "bca-bca-card-platinum",
      "country": "ID",
      "issuer": "BCA",
      "name": "BCA Card Platinum",
      "fee": 250000,
      "currency": "IDR",
      "reward": "Reward BCA (IDR)",
      "rate": 0.003,
      "earn": "0.3% of eligible purchases as Reward BCA",
      "route": "Convert eligible Reward BCA to airline miles; the World tier has a separate conversion table.",
      "note": "Main card annual fee IDR 250,000 per BCA product page.",
      "url": "https://www.bca.co.id/id/Individu/produk/Kartu-Kredit/Card-Platinum",
      "extra": "https://www.bca.co.id/id/individu/produk/reward-bca",
      "status": "Indexed from official sources; confirm availability",
      "verified": true,
      "path": "Bank points / check terms",
      "image": "https://www.bca.co.id/-/media/Feature/Card/List-Card/2022/BCA-Card-Platinum-Batik-Front.png?v=1",
      "imageSource": "https://www.bca.co.id/id/Individu/produk/Kartu-Kredit/Card-Platinum",
      "mileageEligible": true,
      "mileageSource": "https://www.bca.co.id/id/individu/produk/reward-bca",
      "mileageRoute": "Bank points",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "verifiedAt": "2026-10-15",
      "calculatorDisabled": true,
      "feeSource": "https://www.bca.co.id/id/Individu/produk/Kartu-Kredit/Card-Platinum"
    },
    {
      "id": "bca-visa-batman",
      "country": "ID",
      "issuer": "BCA",
      "name": "Visa Batman",
      "fee": 125000,
      "currency": "IDR",
      "reward": "Reward BCA (IDR)",
      "rate": 0.002,
      "earn": "0.2% of eligible purchases as Reward BCA",
      "route": "Convert eligible Reward BCA to airline miles; the World tier has a separate conversion table.",
      "note": "Main card annual fee IDR 125,000 per BCA product page.",
      "url": "https://www.bca.co.id/id/Individu/produk/Kartu-Kredit/Visa-Batman",
      "extra": "https://www.bca.co.id/id/individu/produk/reward-bca",
      "status": "Indexed from official sources; confirm availability",
      "verified": true,
      "path": "Bank points / check terms",
      "image": "https://www.bca.co.id/-/media/Feature/Card/List-Card/2022/BCA-Visa-Batman-Front.png?v=1",
      "imageSource": "https://www.bca.co.id/id/Individu/produk/Kartu-Kredit/Visa-Batman",
      "mileageEligible": true,
      "mileageSource": "https://www.bca.co.id/id/individu/produk/reward-bca",
      "mileageRoute": "Bank points",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "verifiedAt": "2026-10-15",
      "calculatorDisabled": true,
      "feeSource": "https://www.bca.co.id/id/Individu/produk/Kartu-Kredit/Visa-Batman"
    },
    {
      "id": "bca-visa-black",
      "country": "ID",
      "issuer": "BCA",
      "name": "Visa Black",
      "fee": 450000,
      "currency": "IDR",
      "reward": "Reward BCA (IDR)",
      "rate": 0.002,
      "earn": "0.2% of eligible purchases as Reward BCA",
      "route": "Convert eligible Reward BCA to airline miles; the World tier has a separate conversion table.",
      "note": "Main card annual fee IDR 450,000 per BCA product page.",
      "url": "https://www.bca.co.id/id/Individu/produk/Kartu-Kredit/Visa-Black-Signature",
      "extra": "https://www.bca.co.id/id/individu/produk/reward-bca",
      "status": "Indexed from official sources; confirm availability",
      "verified": true,
      "path": "Bank points / check terms",
      "image": "https://www.bca.co.id/-/media/Feature/Card/List-Card/2022/BCA-Visa-Black-2-Front.png?v=1",
      "imageSource": "https://www.bca.co.id/id/Individu/produk/Kartu-Kredit/Visa-Black-Signature",
      "mileageEligible": true,
      "mileageSource": "https://www.bca.co.id/id/individu/produk/reward-bca",
      "mileageRoute": "Bank points",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "verifiedAt": "2026-10-15",
      "calculatorDisabled": true,
      "feeSource": "https://www.bca.co.id/id/Individu/produk/Kartu-Kredit/Visa-Black-Signature"
    },
    {
      "id": "bca-mastercard-black",
      "country": "ID",
      "issuer": "BCA",
      "name": "Mastercard Black",
      "fee": 450000,
      "currency": "IDR",
      "reward": "Reward BCA (IDR)",
      "rate": 0.002,
      "earn": "0.2% of eligible purchases as Reward BCA",
      "route": "Convert eligible Reward BCA to airline miles; the World tier has a separate conversion table.",
      "note": "Main card annual fee IDR 450,000 per BCA product page.",
      "url": "https://www.bca.co.id/id/Individu/produk/Kartu-Kredit/Mastercard-Black",
      "extra": "https://www.bca.co.id/id/individu/produk/reward-bca",
      "status": "Indexed from official sources; confirm availability",
      "verified": true,
      "path": "Bank points / check terms",
      "image": "https://www.bca.co.id/-/media/Feature/Card/List-Card/2022/BCA-Mastercard-Black-2-Front.png?v=1",
      "imageSource": "https://www.bca.co.id/id/Individu/produk/Kartu-Kredit/Mastercard-Black",
      "mileageEligible": true,
      "mileageSource": "https://www.bca.co.id/id/individu/produk/reward-bca",
      "mileageRoute": "Bank points",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "verifiedAt": "2026-10-15",
      "calculatorDisabled": true,
      "feeSource": "https://www.bca.co.id/id/Individu/produk/Kartu-Kredit/Mastercard-Black"
    },
    {
      "id": "bca-mastercard-globe",
      "country": "ID",
      "issuer": "BCA",
      "name": "Mastercard Globe",
      "fee": 125000,
      "currency": "IDR",
      "reward": "Reward BCA (IDR)",
      "rate": 0.002,
      "earn": "0.2% of eligible purchases as Reward BCA",
      "route": "Convert eligible Reward BCA to airline miles; the World tier has a separate conversion table.",
      "note": "Main card annual fee IDR 125,000 per BCA product page.",
      "url": "https://www.bca.co.id/id/Individu/produk/Kartu-Kredit/Mastercard-Platinum",
      "extra": "https://www.bca.co.id/id/individu/produk/reward-bca",
      "status": "Indexed from official sources; confirm availability",
      "verified": true,
      "path": "Bank points / check terms",
      "image": "https://www.bca.co.id/-/media/Feature/Card/List-Card/2022/BCA-Mastercard-Platinum-Front.png?v=1",
      "imageSource": "https://www.bca.co.id/id/Individu/produk/Kartu-Kredit/Mastercard-Platinum",
      "mileageEligible": true,
      "mileageSource": "https://www.bca.co.id/id/individu/produk/reward-bca",
      "mileageRoute": "Bank points",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "verifiedAt": "2026-10-15",
      "calculatorDisabled": true,
      "feeSource": "https://www.bca.co.id/id/Individu/produk/Kartu-Kredit/Mastercard-Platinum"
    },
    {
      "id": "bca-mastercard-world",
      "country": "ID",
      "issuer": "BCA",
      "name": "Mastercard World",
      "fee": 1000000,
      "currency": "IDR",
      "reward": "Reward BCA (IDR)",
      "rate": 0.002,
      "earn": "0.2% of eligible purchases as Reward BCA",
      "route": "Convert eligible Reward BCA to airline miles; the World tier has a separate conversion table.",
      "note": "Main card annual fee IDR 1,000,000 per BCA product page.",
      "url": "https://www.bca.co.id/id/Individu/produk/Kartu-Kredit/Mastercard-World",
      "extra": "https://www.bca.co.id/id/individu/produk/reward-bca",
      "status": "Indexed from official sources; confirm availability",
      "verified": true,
      "path": "Bank points / check terms",
      "image": "https://www.bca.co.id/-/media/Feature/Card/List-Card/2022/BCA-Mastercard-World-Front.png?v=1",
      "imageSource": "https://www.bca.co.id/id/Individu/produk/Kartu-Kredit/Mastercard-World",
      "mileageEligible": true,
      "mileageSource": "https://www.bca.co.id/id/individu/produk/reward-bca",
      "mileageRoute": "Bank points",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "verifiedAt": "2026-10-15",
      "calculatorDisabled": true,
      "feeSource": "https://www.bca.co.id/id/Individu/produk/Kartu-Kredit/Mastercard-World"
    },
    {
      "id": "bca-jcb-black",
      "country": "ID",
      "issuer": "BCA",
      "name": "JCB Black",
      "fee": 450000,
      "currency": "IDR",
      "reward": "Reward BCA (IDR)",
      "rate": 0.002,
      "earn": "0.2% of eligible purchases as Reward BCA",
      "route": "Convert eligible Reward BCA to airline miles; the World tier has a separate conversion table.",
      "note": "Main card annual fee IDR 450,000 per BCA product page.",
      "url": "https://www.bca.co.id/id/Individu/produk/Kartu-Kredit/JCB-Black",
      "extra": "https://www.bca.co.id/id/individu/produk/reward-bca",
      "status": "Indexed from official sources; confirm availability",
      "verified": true,
      "path": "Bank points / check terms",
      "image": "https://www.bca.co.id/-/media/Feature/Card/List-Card/Kartu-Kredit/JCB/BCA-Black-JCB.png?v=1",
      "imageSource": "https://www.bca.co.id/id/Individu/produk/Kartu-Kredit/JCB-Black",
      "mileageEligible": true,
      "mileageSource": "https://www.bca.co.id/id/individu/produk/reward-bca",
      "mileageRoute": "Bank points",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "verifiedAt": "2026-10-15",
      "calculatorDisabled": true,
      "feeSource": "https://www.bca.co.id/id/Individu/produk/Kartu-Kredit/JCB-Black"
    },
    {
      "id": "bca-singapore-airlines-visa-infinite",
      "country": "ID",
      "issuer": "BCA",
      "name": "Singapore Airlines Visa Infinite",
      "fee": 1000000,
      "currency": "IDR",
      "reward": "KrisFlyer miles",
      "rate": 0.00009259259259259259,
      "earn": "1 KrisFlyer mile per IDR 10,800 eligible purchases. Monthly bonus: 1,000 miles at IDR 20 million spend or 2,000 at IDR 50 million; no multiples.",
      "route": "Co-brand miles credited to a linked KrisFlyer account.",
      "note": "IDR 1,000,000 primary-card annual fee effective June 3, 2026. Cash advances, fees and selected merchant categories are excluded.",
      "url": "https://www.bca.co.id/id/Individu/produk/Kartu-Kredit/Sq-Visa-Infinite",
      "extra": null,
      "status": "Indexed from official sources; confirm availability",
      "verified": true,
      "path": "Direct airline miles",
      "image": "https://www.bca.co.id/-/media/Feature/Card/List-Card/2022/BCA-SQ-KF-Visa-Infinite-Front.png?v=1",
      "imageSource": "https://www.bca.co.id/id/Individu/produk/Kartu-Kredit/Sq-Visa-Infinite",
      "mileageEligible": true,
      "mileageSource": "https://www.bca.co.id/id/Individu/produk/Kartu-Kredit/Sq-Visa-Infinite",
      "mileageRoute": "Direct miles",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": "Monthly crediting; the issuer allows up to two weeks after the statement date.",
      "partners": [
        "Singapore Airlines KrisFlyer"
      ],
      "verifiedAt": "2026-10-14",
      "calculatorDisabled": true,
      "programIds": [
        "krisflyer"
      ],
      "eligibility": "Indonesian citizens or foreigners resident in Indonesia; primary applicant 21+ or married, maximum 65. Issuer lists IDR 3 million monthly minimum income; underwriting and documentation apply.",
      "income": 3000000,
      "verificationScope": "Current fee, published earning, monthly bonus and basic eligibility checked. Detailed rounding and expiry still need review."
    },
    {
      "id": "bca-singapore-airlines-pps-club-visa-infinite",
      "country": "ID",
      "issuer": "BCA",
      "name": "Singapore Airlines PPS Club Visa Infinite",
      "fee": 2000000,
      "currency": "IDR",
      "reward": "KrisFlyer miles",
      "rate": 0.0002,
      "earn": "1 mile / IDR 5,000 eligible spend",
      "route": "Co-brand miles credited to a linked KrisFlyer account.",
      "note": "Main card annual fee IDR 2,000,000, effective June 3, 2026 (previously IDR 1,000,000), per BCA product page. Requires Singapore Airlines PPS Club membership.",
      "url": "https://www.bca.co.id/id/Individu/produk/Kartu-Kredit/Singapore-Airlines-PPS-Club-Visa-Infinite-Card",
      "extra": null,
      "status": "PPS Club membership required",
      "verified": true,
      "path": "Direct airline miles",
      "image": "https://www.bca.co.id/-/media/Feature/Card/List-Card/2022/BCA-SQ-PPS-Visa-Infinite-Front.png?v=1",
      "imageSource": "https://www.bca.co.id/id/Individu/produk/Kartu-Kredit/Singapore-Airlines-PPS-Club-Visa-Infinite-Card",
      "mileageEligible": true,
      "mileageSource": "https://www.bca.co.id/id/Individu/produk/Kartu-Kredit/Singapore-Airlines-PPS-Club-Visa-Infinite-Card",
      "mileageRoute": "Direct miles",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "verifiedAt": "2026-10-15",
      "calculatorDisabled": true,
      "feeSource": "https://www.bca.co.id/id/Individu/produk/Kartu-Kredit/Singapore-Airlines-PPS-Club-Visa-Infinite-Card"
    },
    {
      "id": "bca-american-express-platinum",
      "country": "ID",
      "issuer": "BCA",
      "name": "American Express Platinum",
      "fee": 12000000,
      "currency": "IDR",
      "reward": "Membership Rewards points",
      "rate": 0.005,
      "earn": "0.5% of eligible spend in Membership Rewards points",
      "route": "Use BCA’s Membership Rewards conversion table; different from Danamon American Express.",
      "note": "Main card annual fee IDR 12,000,000 (charge card; first four supplementary cards free). Exclusive to BCA Prioritas, Solitaire or VIP customers.",
      "url": "https://www.bca.co.id/id/Individu/produk/Kartu-Kredit/American-Express",
      "extra": "https://www.bca.co.id/id/individu/produk/reward-bca",
      "status": "Indexed from official sources; confirm availability",
      "verified": true,
      "path": "Bank points / check terms",
      "image": "https://www.bca.co.id/-/media/Feature/Card/List-Card/2022/BCA-AMEX-contactless.png?v=1",
      "imageSource": "https://www.bca.co.id/id/Individu/produk/Kartu-Kredit/American-Express",
      "mileageEligible": true,
      "mileageSource": "https://www.bca.co.id/id/individu/produk/reward-bca",
      "mileageRoute": "Bank points",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "verifiedAt": "2026-10-15",
      "calculatorDisabled": true,
      "feeSource": "https://www.bca.co.id/id/Individu/produk/Kartu-Kredit/American-Express"
    },
    {
      "id": "bca-unionpay",
      "country": "ID",
      "issuer": "BCA",
      "name": "UnionPay",
      "fee": null,
      "currency": "IDR",
      "reward": "UnionPay points",
      "rate": 0.0001,
      "earn": "1 point / IDR 10,000 eligible spend",
      "route": "Airline conversion ratios change November 1, 2026. Confirm the table applicable on the redemption date.",
      "note": "Recurring fee not verified.",
      "url": "https://www.bca.co.id/id/individu/produk/reward-bca",
      "extra": null,
      "status": "Indexed from official sources; confirm availability",
      "verified": true,
      "path": "Bank points / check terms",
      "mileageEligible": true,
      "mileageSource": "https://www.bca.co.id/id/individu/produk/reward-bca",
      "mileageRoute": "Bank points",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "verifiedAt": null,
      "calculatorDisabled": true,
      "image": "https://www.bca.co.id/-/media/Feature/Card/List-Card/2022/BCA-Union-Pay-Card-Final-Front.png?v=1",
      "imageSource": "https://www.bca.co.id/id/individu/produk/kartu-kredit/pilihan-kartu"
    },
    {
      "id": "bni-garuda-indonesia-visa-platinum",
      "country": "ID",
      "issuer": "BNI",
      "name": "Garuda Indonesia Visa Platinum",
      "fee": 600000,
      "currency": "IDR",
      "reward": "GarudaMiles",
      "rate": 0.00002,
      "earn": "2 miles / IDR 100,000 eligible spend",
      "route": "Co-brand GarudaMiles credited automatically; exclusions and monthly crediting rules apply.",
      "note": "Fee waivers and spending exclusions may apply.",
      "url": "https://www.bni.co.id/creditcard/id-id/produk/produkkartukreditbni",
      "extra": "https://www.bni.co.id/creditcard/id-id/layananfasilitas/layanan/bnirewardpoints",
      "image": "public/assets/cards/bni-garuda-indonesia-visa-platinum.jpg",
      "imageSource": "https://www.bni.co.id/creditcard/id-id/produk/produkkartukreditbni/garudabnicard",
      "imageOriginal": "https://www.bni.co.id/portals/3/BNI/CreditCard/Produk/Images/kartu-kredit-garuda-bni-platinum-v1.jpg",
      "status": "Indexed from official sources; confirm availability",
      "verified": true,
      "path": "Direct airline miles",
      "mileageEligible": true,
      "mileageSource": "https://www.bni.co.id/creditcard/id-id/layananfasilitas/layanan/bnirewardpoints",
      "mileageRoute": "Direct miles",
      "feeSource": "https://www.bni.co.id/creditcard/en-us/product/costinformationandinterestcalculation",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "verifiedAt": null,
      "calculatorDisabled": true
    },
    {
      "id": "bni-visa-infinite-private",
      "country": "ID",
      "issuer": "BNI",
      "name": "Visa Infinite Private",
      "fee": null,
      "currency": "IDR",
      "reward": "BNI Reward Points",
      "rate": null,
      "earn": "14× BNI Rewards Points on eligible offline domestic and overseas transactions of at least IDR 1 million.",
      "route": "Airline conversion uses card-specific tiers and caps.",
      "note": "These are conditional offline earning examples, not an unconditional base rate. Online transactions, lower-value transactions and transfer rounding need separate verification.",
      "url": "https://www.bni.co.id/creditcard/id-id/produk/produkkartukreditbni",
      "extra": "https://www.bni.co.id/creditcard/id-id/layananfasilitas/layanan/bnirewardpoints",
      "image": "public/assets/cards/bni-visa-infinite-private.jpg",
      "imageSource": "https://www.bni.co.id/creditcard/id-id/produk/produkkartukreditbni",
      "imageOriginal": "https://www.bni.co.id/portals/3/BNI/CreditCard/Produk/Images/kk-bni-private.jpg",
      "status": "Indexed from official sources; confirm availability",
      "verified": true,
      "path": "Bank points / check terms",
      "mileageEligible": true,
      "mileageSource": "https://www.bni.co.id/creditcard/id-id/layananfasilitas/layanan/bnirewardpoints",
      "mileageRoute": "Bank points",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "verifiedAt": "2026-10-13",
      "calculatorDisabled": true,
      "special": "Issuer advertises IDR 4,571 per KrisFlyer / Garuda mile on qualifying spend.",
      "earningSource": "https://www.bni.co.id/creditcard/id-id/produk/produkkartukreditbni/bnivisainfinite"
    },
    {
      "id": "bni-visa-infinite-emerald",
      "country": "ID",
      "issuer": "BNI",
      "name": "Visa Infinite Emerald",
      "fee": null,
      "currency": "IDR",
      "reward": "BNI Reward Points",
      "rate": null,
      "earn": "6× BNI Rewards Points offline domestic; 10× offline overseas, minimum IDR 1 million per transaction.",
      "route": "Airline conversion uses card-specific tiers and caps.",
      "note": "These are conditional offline earning examples, not an unconditional base rate. Online transactions, lower-value transactions and transfer rounding need separate verification.",
      "url": "https://www.bni.co.id/creditcard/id-id/produk/produkkartukreditbni",
      "extra": "https://www.bni.co.id/creditcard/id-id/layananfasilitas/layanan/bnirewardpoints",
      "image": "public/assets/cards/bni-visa-infinite-emerald.jpg",
      "imageSource": "https://www.bni.co.id/creditcard/id-id/produk/produkkartukreditbni",
      "imageOriginal": "https://www.bni.co.id/portals/3/BNI/CreditCard/Produk/Images/kk-bni-emerald-visa-infinite.jpg",
      "status": "Indexed from official sources; confirm availability",
      "verified": true,
      "path": "Bank points / check terms",
      "mileageEligible": true,
      "mileageSource": "https://www.bni.co.id/creditcard/id-id/layananfasilitas/layanan/bnirewardpoints",
      "mileageRoute": "Bank points",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "verifiedAt": "2026-10-13",
      "calculatorDisabled": true,
      "special": "Issuer advertises IDR 10,667 domestic or IDR 6,400 overseas per KrisFlyer / Garuda mile on qualifying spend.",
      "earningSource": "https://www.bni.co.id/creditcard/id-id/produk/produkkartukreditbni/bnivisainfinite"
    },
    {
      "id": "bni-mastercard-world",
      "country": "ID",
      "issuer": "BNI",
      "name": "Mastercard World",
      "fee": 1000000,
      "currency": "IDR",
      "reward": "BNI Reward Points",
      "rate": 0.0001,
      "earn": "1 point / IDR 10,000 eligible spend",
      "route": "Airline conversion uses card-specific tiers and caps.",
      "note": "Recurring fee not verified.",
      "url": "https://www.bni.co.id/creditcard/id-id/produk/produkkartukreditbni",
      "extra": "https://www.bni.co.id/creditcard/id-id/layananfasilitas/layanan/bnirewardpoints",
      "status": "Indexed from official sources; confirm availability",
      "verified": true,
      "path": "Bank points / check terms",
      "mileageEligible": true,
      "mileageSource": "https://www.bni.co.id/creditcard/id-id/layananfasilitas/layanan/bnirewardpoints",
      "mileageRoute": "Bank points",
      "feeSource": "https://www.bni.co.id/creditcard/en-us/product/costinformationandinterestcalculation",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "verifiedAt": null,
      "calculatorDisabled": true,
      "image": "public/assets/cards/bni-mastercard-world.jpg",
      "imageSource": "https://bniexperience.bni.co.id/promo/detail/benefit-kartu-kredit-bni-mastercard-world-avbsgx"
    },
    {
      "id": "bni-jcb-ultimate",
      "country": "ID",
      "issuer": "BNI",
      "name": "JCB Ultimate",
      "fee": 1000000,
      "currency": "IDR",
      "reward": "BNI Reward Points",
      "rate": 0.0001,
      "earn": "1 point / IDR 10,000 eligible spend",
      "route": "Airline conversion uses card-specific tiers and caps.",
      "note": "Recurring fee not verified.",
      "url": "https://www.bni.co.id/creditcard/id-id/produk/produkkartukreditbni",
      "extra": "https://www.bni.co.id/creditcard/id-id/layananfasilitas/layanan/bnirewardpoints",
      "status": "Indexed from official sources; confirm availability",
      "verified": true,
      "path": "Bank points / check terms",
      "mileageEligible": true,
      "mileageSource": "https://www.bni.co.id/creditcard/id-id/layananfasilitas/layanan/bnirewardpoints",
      "mileageRoute": "Bank points",
      "feeSource": "https://www.bni.co.id/creditcard/en-us/product/costinformationandinterestcalculation",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "verifiedAt": null,
      "calculatorDisabled": true,
      "image": "public/assets/cards/bni-jcb-ultimate.jpg",
      "imageSource": "https://www.id.jcb/id/products/cards/"
    },
    {
      "id": "bni-visa-signature",
      "country": "ID",
      "issuer": "BNI",
      "name": "Visa Signature",
      "fee": 1000000,
      "currency": "IDR",
      "reward": "BNI Reward Points",
      "rate": 0.0001,
      "earn": "1 point / IDR 10,000 eligible spend",
      "route": "Airline conversion uses card-specific tiers and caps.",
      "note": "Recurring fee not verified.",
      "url": "https://www.bni.co.id/creditcard/id-id/produk/produkkartukreditbni",
      "extra": "https://www.bni.co.id/creditcard/id-id/layananfasilitas/layanan/bnirewardpoints",
      "image": "public/assets/cards/bni-visa-signature.jpg",
      "imageSource": "https://www.bni.co.id/creditcard/id-id/produk/produkkartukreditbni",
      "imageOriginal": "https://www.bni.co.id/portals/3/BNI/CreditCard/Produk/Images/kartu-kredit-bni-visa-signature-2.jpg",
      "status": "Indexed from official sources; confirm availability",
      "verified": true,
      "path": "Bank points / check terms",
      "mileageEligible": true,
      "mileageSource": "https://www.bni.co.id/creditcard/id-id/layananfasilitas/layanan/bnirewardpoints",
      "mileageRoute": "Bank points",
      "feeSource": "https://www.bni.co.id/creditcard/en-us/product/costinformationandinterestcalculation",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "verifiedAt": null,
      "calculatorDisabled": true
    },
    {
      "id": "bni-visa-platinum",
      "country": "ID",
      "issuer": "BNI",
      "name": "Visa Platinum",
      "fee": 600000,
      "currency": "IDR",
      "reward": "BNI Reward Points",
      "rate": 0.0001,
      "earn": "1 point / IDR 10,000 eligible spend",
      "route": "Airline conversion uses card-specific tiers and caps.",
      "note": "Recurring fee not verified.",
      "url": "https://www.bni.co.id/creditcard/id-id/produk/produkkartukreditbni",
      "extra": "https://www.bni.co.id/creditcard/id-id/layananfasilitas/layanan/bnirewardpoints",
      "image": "public/assets/cards/bni-visa-platinum.jpg",
      "imageSource": "https://www.bni.co.id/creditcard/id-id/produk/produkkartukreditbni",
      "imageOriginal": "https://www.bni.co.id/portals/3/BNI/CreditCard/Produk/Images/bni-visa-platinum-v1.jpg",
      "status": "Indexed from official sources; confirm availability",
      "verified": true,
      "path": "Bank points / check terms",
      "mileageEligible": true,
      "mileageSource": "https://www.bni.co.id/creditcard/id-id/layananfasilitas/layanan/bnirewardpoints",
      "mileageRoute": "Bank points",
      "feeSource": "https://www.bni.co.id/creditcard/en-us/product/costinformationandinterestcalculation",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "verifiedAt": null,
      "calculatorDisabled": true
    },
    {
      "id": "bni-jcb-platinum",
      "country": "ID",
      "issuer": "BNI",
      "name": "JCB Precious",
      "fee": 600000,
      "currency": "IDR",
      "reward": "BNI Reward Points",
      "rate": 0.0001,
      "earn": "1 point / IDR 10,000 eligible spend",
      "route": "Airline conversion uses card-specific tiers and caps.",
      "note": "Recurring fee not verified.",
      "url": "https://www.bni.co.id/creditcard/id-id/produk/produkkartukreditbni",
      "extra": "https://www.bni.co.id/creditcard/id-id/layananfasilitas/layanan/bnirewardpoints",
      "status": "Indexed from official sources; confirm availability",
      "verified": true,
      "path": "Bank points / check terms",
      "mileageEligible": true,
      "mileageSource": "https://www.bni.co.id/creditcard/id-id/layananfasilitas/layanan/bnirewardpoints",
      "mileageRoute": "Bank points",
      "feeSource": "https://www.bni.co.id/creditcard/en-us/product/costinformationandinterestcalculation",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "verifiedAt": null,
      "calculatorDisabled": true,
      "image": "public/assets/cards/bni-jcb-precious.jpg",
      "imageSource": "https://www.id.jcb/id/products/cards/"
    },
    {
      "id": "bni-lotte-platinum",
      "country": "ID",
      "issuer": "BNI",
      "name": "Lotte Platinum",
      "fee": 600000,
      "currency": "IDR",
      "reward": "BNI Reward Points",
      "rate": 0.0001,
      "earn": "1 point / IDR 10,000 eligible spend",
      "route": "Airline conversion uses card-specific tiers and caps.",
      "note": "Recurring fee not verified.",
      "url": "https://www.bni.co.id/creditcard/id-id/produk/produkkartukreditbni",
      "extra": "https://www.bni.co.id/creditcard/id-id/layananfasilitas/layanan/bnirewardpoints",
      "status": "Indexed from official sources; confirm availability",
      "verified": true,
      "path": "Bank points / check terms",
      "mileageEligible": true,
      "mileageSource": "https://www.bni.co.id/creditcard/id-id/layananfasilitas/layanan/bnirewardpoints",
      "mileageRoute": "Bank points",
      "feeSource": "https://www.bni.co.id/creditcard/en-us/product/costinformationandinterestcalculation",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "verifiedAt": null,
      "calculatorDisabled": true,
      "image": "public/assets/cards/bni-lotte-platinum.jpg",
      "imageSource": "https://bniexperience.bni.co.id/promo/detail/cobrand-kartu-kredit-bni-lotte-mart-oqsrht"
    },
    {
      "id": "bni-bank-bjb-platinum",
      "country": "ID",
      "issuer": "BNI",
      "name": "Bank BJB Platinum",
      "fee": 600000,
      "currency": "IDR",
      "reward": "BNI Reward Points",
      "rate": 0.0001,
      "earn": "1 point / IDR 10,000 eligible spend",
      "route": "Airline conversion uses card-specific tiers and caps.",
      "note": "Recurring fee not verified.",
      "url": "https://www.bni.co.id/creditcard/id-id/produk/produkkartukreditbni",
      "extra": "https://www.bni.co.id/creditcard/id-id/layananfasilitas/layanan/bnirewardpoints",
      "image": "public/assets/cards/bni-bank-bjb-platinum.webp",
      "imageSource": "https://www.bni.co.id/creditcard/id-id/produk/produkkartukreditbni",
      "imageOriginal": "https://www.bni.co.id/portals/3/BNI/CreditCard/Produk/Images/BNI-BJB-Platinum-v5.webp",
      "status": "Indexed from official sources; confirm availability",
      "verified": true,
      "path": "Bank points / check terms",
      "mileageEligible": true,
      "mileageSource": "https://www.bni.co.id/creditcard/id-id/layananfasilitas/layanan/bnirewardpoints",
      "mileageRoute": "Bank points",
      "feeSource": "https://www.bni.co.id/creditcard/en-us/product/costinformationandinterestcalculation",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "verifiedAt": null,
      "calculatorDisabled": true
    },
    {
      "id": "bni-pertamina-platinum",
      "country": "ID",
      "issuer": "BNI",
      "name": "Pertamina Platinum",
      "fee": 600000,
      "currency": "IDR",
      "reward": "BNI Reward Points",
      "rate": 0.0001,
      "earn": "1 point / IDR 10,000 eligible spend",
      "route": "Airline conversion uses card-specific tiers and caps.",
      "note": "Recurring fee not verified.",
      "url": "https://www.bni.co.id/creditcard/id-id/produk/produkkartukreditbni",
      "extra": "https://www.bni.co.id/creditcard/id-id/layananfasilitas/layanan/bnirewardpoints",
      "status": "Indexed from official sources; confirm availability",
      "verified": true,
      "path": "Bank points / check terms",
      "mileageEligible": true,
      "mileageSource": "https://www.bni.co.id/creditcard/id-id/layananfasilitas/layanan/bnirewardpoints",
      "mileageRoute": "Bank points",
      "feeSource": "https://www.bni.co.id/creditcard/en-us/product/costinformationandinterestcalculation",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "verifiedAt": null,
      "calculatorDisabled": true,
      "image": "public/assets/cards/bni-pertamina-platinum.jpg",
      "imageSource": "https://bniexperience.bni.co.id/artikel/detail/kartu-kredit-bni-pertamina"
    },
    {
      "id": "bni-telkomsel-platinum",
      "country": "ID",
      "issuer": "BNI",
      "name": "Telkomsel Platinum",
      "fee": 600000,
      "currency": "IDR",
      "reward": "BNI Reward Points",
      "rate": 0.0001,
      "earn": "1 point / IDR 10,000 eligible spend",
      "route": "Airline conversion uses card-specific tiers and caps.",
      "note": "Recurring fee not verified.",
      "url": "https://www.bni.co.id/creditcard/id-id/produk/produkkartukreditbni",
      "extra": "https://www.bni.co.id/creditcard/id-id/layananfasilitas/layanan/bnirewardpoints",
      "image": "public/assets/cards/bni-telkomsel-platinum.jpg",
      "imageSource": "https://www.bni.co.id/creditcard/id-id/produk/produkkartukreditbni",
      "imageOriginal": "https://www.bni.co.id/portals/3/BNI/CreditCard/Produk/Images/kartu-kredit-telkomsel-platinum-v1.jpg",
      "status": "Indexed from official sources; confirm availability",
      "verified": true,
      "path": "Bank points / check terms",
      "mileageEligible": true,
      "mileageSource": "https://www.bni.co.id/creditcard/id-id/layananfasilitas/layanan/bnirewardpoints",
      "mileageRoute": "Bank points",
      "feeSource": "https://www.bni.co.id/creditcard/en-us/product/costinformationandinterestcalculation",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "verifiedAt": null,
      "calculatorDisabled": true
    },
    {
      "id": "bni-batik-air-platinum",
      "country": "ID",
      "issuer": "BNI",
      "name": "Batik Air Platinum",
      "fee": 600000,
      "currency": "IDR",
      "reward": "BNI Reward Points",
      "rate": 0.0001,
      "earn": "1 point / IDR 10,000 eligible spend",
      "route": "Airline conversion uses card-specific tiers and caps.",
      "note": "Recurring fee not verified.",
      "url": "https://www.bni.co.id/creditcard/id-id/produk/produkkartukreditbni",
      "extra": "https://www.bni.co.id/creditcard/id-id/layananfasilitas/layanan/bnirewardpoints",
      "status": "Indexed from official sources; confirm availability",
      "verified": true,
      "path": "Bank points / check terms",
      "mileageEligible": true,
      "mileageSource": "https://www.bni.co.id/creditcard/id-id/layananfasilitas/layanan/bnirewardpoints",
      "mileageRoute": "Bank points",
      "feeSource": "https://www.bni.co.id/creditcard/en-us/product/costinformationandinterestcalculation",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "verifiedAt": null,
      "calculatorDisabled": true,
      "image": "public/assets/cards/bni-batik-air-platinum.jpg",
      "imageSource": "https://bniexperience.bni.co.id/promo/detail/batik-air-nworag"
    },
    {
      "id": "bni-batik-air-world",
      "country": "ID",
      "issuer": "BNI",
      "name": "Batik Air World",
      "fee": 1000000,
      "currency": "IDR",
      "reward": "BNI Reward Points",
      "rate": 0.0001,
      "earn": "1 point / IDR 10,000 eligible spend",
      "route": "Airline conversion uses card-specific tiers and caps.",
      "note": "Recurring fee not verified.",
      "url": "https://www.bni.co.id/creditcard/id-id/produk/produkkartukreditbni",
      "extra": "https://www.bni.co.id/creditcard/id-id/layananfasilitas/layanan/bnirewardpoints",
      "status": "Indexed from official sources; confirm availability",
      "verified": true,
      "path": "Bank points / check terms",
      "mileageEligible": true,
      "mileageSource": "https://www.bni.co.id/creditcard/id-id/layananfasilitas/layanan/bnirewardpoints",
      "mileageRoute": "Bank points",
      "feeSource": "https://www.bni.co.id/creditcard/en-us/product/costinformationandinterestcalculation",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "verifiedAt": null,
      "calculatorDisabled": true,
      "image": "public/assets/cards/bni-batik-air-world.jpg",
      "imageSource": "https://bniexperience.bni.co.id/promo/detail/batik-air-nworag"
    },
    {
      "id": "bni-siloam",
      "country": "ID",
      "issuer": "BNI",
      "name": "Siloam",
      "fee": null,
      "currency": "IDR",
      "reward": "BNI Reward Points",
      "rate": 0.0001,
      "earn": "1 point / IDR 10,000 eligible spend",
      "route": "Airline conversion uses card-specific tiers and caps.",
      "note": "Recurring fee not verified.",
      "url": "https://www.bni.co.id/creditcard/id-id/produk/produkkartukreditbni",
      "extra": "https://www.bni.co.id/creditcard/id-id/layananfasilitas/layanan/bnirewardpoints",
      "status": "Indexed from official sources; confirm availability",
      "verified": true,
      "path": "Bank points / check terms",
      "mileageEligible": true,
      "mileageSource": "https://www.bni.co.id/creditcard/id-id/layananfasilitas/layanan/bnirewardpoints",
      "mileageRoute": "Bank points",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "verifiedAt": null,
      "calculatorDisabled": true,
      "image": "public/assets/cards/bni-siloam.jpg",
      "imageSource": "https://bniexperience.bni.co.id/promo/detail/kartu-kredit-bni-siloam-hospitals-ufpzsx"
    },
    {
      "id": "bni-xl-platinum",
      "country": "ID",
      "issuer": "BNI",
      "name": "XL Platinum",
      "fee": 600000,
      "currency": "IDR",
      "reward": "BNI Reward Points",
      "rate": 0.0001,
      "earn": "1 point / IDR 10,000 eligible spend",
      "route": "Airline conversion uses card-specific tiers and caps.",
      "note": "Recurring fee not verified.",
      "url": "https://www.bni.co.id/creditcard/id-id/produk/produkkartukreditbni",
      "extra": "https://www.bni.co.id/creditcard/id-id/layananfasilitas/layanan/bnirewardpoints",
      "image": "public/assets/cards/bni-xl-platinum.jpg",
      "imageSource": "https://www.bni.co.id/creditcard/id-id/produk/produk-kartu-kredit-bni/bni-xl-prioritas",
      "imageOriginal": "https://www.bni.co.id/portals/3/BNI/CreditCard/Produk/Images/bni-xl-prioritas.jpg",
      "status": "Indexed from official sources; confirm availability",
      "verified": true,
      "path": "Bank points / check terms",
      "mileageEligible": true,
      "mileageSource": "https://www.bni.co.id/creditcard/id-id/layananfasilitas/layanan/bnirewardpoints",
      "mileageRoute": "Bank points",
      "feeSource": "https://www.bni.co.id/creditcard/en-us/product/costinformationandinterestcalculation",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "verifiedAt": null,
      "calculatorDisabled": true
    },
    {
      "id": "mandiri-skyz",
      "country": "ID",
      "issuer": "Mandiri",
      "name": "Skyz",
      "fee": 300000,
      "currency": "IDR",
      "reward": "Livin’poin",
      "rate": 0.00005,
      "earn": "1 Livin’poin per IDR 20,000 eligible retail spend",
      "route": "Issuer directs this product to Livin’ by Mandiri for KrisFlyer redemption. App-specific conversion and minimum are not verified; website 1:1 terms must not be applied.",
      "note": "Installments, cash advances, specified bills, donations, utilities, taxes and business invoicing are excluded. QRIS, transport, property, education and fuel use a reduced 1 point per IDR 100,000 rule. Confirm merchant classification. Base earning of 1 Livin’poin per IDR 20,000 per the Mandiri product page.",
      "url": "https://www.mandirikartukredit.com/produk/skyz-card",
      "extra": "https://www.mandirikartukredit.com/livinpoin/redeem/garudamiles",
      "status": "Indexed from official sources; confirm availability",
      "verified": false,
      "path": "Bank points / check terms",
      "mileageEligible": true,
      "mileageSource": "https://www.mandirikartukredit.com/livinpoin/redeem/krisflyer",
      "mileageRoute": "Bank points",
      "image": "https://www.mandirikartukredit.com/uploads/media/skyz-t01-contactless.png",
      "imageSource": "https://www.mandirikartukredit.com/produk/skyz-card",
      "imageOriginal": "https://www.mandirikartukredit.com/uploads/media/skyz-t01-contactless.png",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": "Livin’poin expire two years after earning if not redeemed.",
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [
        "Singapore Airlines KrisFlyer"
      ],
      "verifiedAt": "2026-10-15",
      "calculatorDisabled": true,
      "transfers": [],
      "special": "Overseas eligible retail: 1 points per IDR 20,000.",
      "earningSource": "https://www.mandirikartukredit.com/produk/skyz-card",
      "feeSource": "https://www.mandirikartukredit.com/produk/skyz-card",
      "verificationScope": "Published annual card fee checked; earning and transfer terms remain a partial prior record."
    },
    {
      "id": "mandiri-pertamina",
      "country": "ID",
      "issuer": "Mandiri",
      "name": "Pertamina",
      "fee": 400000,
      "currency": "IDR",
      "reward": "Livin’poin",
      "rate": 0.00005,
      "earn": "1 Livin’poin per IDR 20,000 eligible retail spend",
      "route": "Issuer directs this product to Livin’ by Mandiri for KrisFlyer redemption. App-specific conversion and minimum are not verified; website 1:1 terms must not be applied.",
      "note": "Installments, cash advances, specified bills, donations, utilities, taxes and business invoicing are excluded. QRIS, transport, property, education and fuel use a reduced 1 point per IDR 100,000 rule. Confirm merchant classification. Main card membership fee IDR 400,000 per year per Mandiri product page. Base earning of 1 Livin’poin per IDR 20,000 per the Mandiri product page. This is the rate at other merchants; the page lists 2X at automotive merchants and 3X in the MyPertamina app.",
      "url": "https://www.mandirikartukredit.com/produk/mypertaminacard",
      "extra": "https://www.mandirikartukredit.com/livinpoin/redeem/garudamiles",
      "status": "Indexed from official sources; confirm availability",
      "verified": false,
      "path": "Bank points / check terms",
      "mileageEligible": true,
      "mileageSource": "https://www.mandirikartukredit.com/livinpoin/redeem/krisflyer",
      "mileageRoute": "Bank points",
      "image": "https://www.mandirikartukredit.com/uploads/media/2024/product-MyPertamina/MyPertamina-Front.png",
      "imageSource": "https://www.mandirikartukredit.com/produk/mypertaminacard",
      "imageOriginal": "https://www.mandirikartukredit.com/uploads/media/2024/product-MyPertamina/MyPertamina-Front.png",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": "Livin’poin expire two years after earning if not redeemed.",
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [
        "Singapore Airlines KrisFlyer"
      ],
      "verifiedAt": "2026-10-15",
      "calculatorDisabled": true,
      "transfers": [],
      "special": "Overseas eligible retail: 1 points per IDR 20,000.",
      "earningSource": "https://www.mandirikartukredit.com/produk/mypertaminacard",
      "feeSource": "https://www.mandirikartukredit.com/produk/mypertaminacard"
    },
    {
      "id": "mandiri-platinum",
      "country": "ID",
      "issuer": "Mandiri",
      "name": "Platinum",
      "fee": 500000,
      "currency": "IDR",
      "reward": "Livin’poin",
      "rate": 0.00005,
      "earn": "1 Livin’poin per IDR 20,000 eligible retail spend",
      "route": "Issuer directs this product to Livin’ by Mandiri for KrisFlyer redemption. App-specific conversion and minimum are not verified; website 1:1 terms must not be applied.",
      "note": "Installments, cash advances, specified bills, donations, utilities, taxes and business invoicing are excluded. QRIS, transport, property, education and fuel use a reduced 1 point per IDR 100,000 rule. Confirm merchant classification. Main card membership fee IDR 500,000 per year per Mandiri product page. Base earning of 1 Livin’poin per IDR 20,000 per the Mandiri product page.",
      "url": "https://www.mandirikartukredit.com/produk/mandiri-platinum",
      "extra": "https://www.mandirikartukredit.com/livinpoin/redeem/garudamiles",
      "status": "Indexed from official sources; confirm availability",
      "verified": false,
      "path": "Bank points / check terms",
      "mileageEligible": true,
      "mileageSource": "https://www.mandirikartukredit.com/livinpoin/redeem/krisflyer",
      "mileageRoute": "Bank points",
      "image": "https://www.mandirikartukredit.com/uploads/media/redesign-kartu/Visa-Platinum-Front.png",
      "imageSource": "https://www.mandirikartukredit.com/produk/mandiri-platinum",
      "imageOriginal": "https://www.mandirikartukredit.com/uploads/media/redesign-kartu/Visa-Platinum-Front.png",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": "Livin’poin expire two years after earning if not redeemed.",
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [
        "Singapore Airlines KrisFlyer"
      ],
      "verifiedAt": "2026-10-15",
      "calculatorDisabled": true,
      "transfers": [],
      "special": "Overseas eligible retail: 1 points per IDR 20,000.",
      "earningSource": "https://www.mandirikartukredit.com/produk/mandiri-platinum",
      "feeSource": "https://www.mandirikartukredit.com/produk/mandiri-platinum"
    },
    {
      "id": "mandiri-golf-platinum",
      "country": "ID",
      "issuer": "Mandiri",
      "name": "Golf Platinum",
      "fee": 600000,
      "currency": "IDR",
      "reward": "Livin’poin",
      "rate": null,
      "earn": "1 Livin’poin per IDR 20,000 eligible domestic retail spend.",
      "route": "Issuer directs this product to Livin’ by Mandiri for KrisFlyer redemption. App-specific conversion and minimum are not verified; website 1:1 terms must not be applied.",
      "note": "Installments, cash advances, specified bills, donations, utilities, taxes and business invoicing are excluded. QRIS, transport, property, education and fuel use a reduced 1 point per IDR 100,000 rule. Confirm merchant classification. Main card membership fee IDR 600,000 per year per Mandiri product page.",
      "url": "https://www.mandirikartukredit.com/produk/golf-platinum",
      "extra": "https://www.mandirikartukredit.com/livinpoin/redeem/garudamiles",
      "status": "Indexed from official sources; confirm availability",
      "verified": false,
      "path": "Bank points / check terms",
      "mileageEligible": true,
      "mileageSource": "https://www.mandirikartukredit.com/livinpoin/redeem/krisflyer",
      "mileageRoute": "Bank points",
      "image": "https://www.mandirikartukredit.com/uploads/media/page/golf-platinum-contactless.png",
      "imageSource": "https://www.mandirikartukredit.com/produk/golf-platinum",
      "imageOriginal": "https://www.mandirikartukredit.com/uploads/media/page/golf-platinum-contactless.png",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": "Livin’poin expire two years after earning if not redeemed.",
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [
        "Singapore Airlines KrisFlyer"
      ],
      "verifiedAt": "2026-10-15",
      "calculatorDisabled": true,
      "transfers": [],
      "special": "Overseas eligible retail: 1 points per IDR 20,000.",
      "earningSource": "https://www.bankmandiri.co.id/en/cara-dapat-livinpoin",
      "feeSource": "https://www.mandirikartukredit.com/produk/golf-platinum"
    },
    {
      "id": "mandiri-fengshui",
      "country": "ID",
      "issuer": "Mandiri",
      "name": "Fengshui",
      "fee": 500000,
      "currency": "IDR",
      "reward": "Livin’poin",
      "rate": null,
      "earn": "1 Livin’poin per IDR 20,000 eligible domestic retail spend.",
      "route": "Issuer directs this product to Livin’ by Mandiri for KrisFlyer redemption. App-specific conversion and minimum are not verified; website 1:1 terms must not be applied.",
      "note": "Installments, cash advances, specified bills, donations, utilities, taxes and business invoicing are excluded. QRIS, transport, property, education and fuel use a reduced 1 point per IDR 100,000 rule. Confirm merchant classification.",
      "url": "https://www.mandirikartukredit.com/produk/fengshui",
      "extra": "https://www.mandirikartukredit.com/livinpoin/redeem/garudamiles",
      "status": "Indexed from official sources; confirm availability",
      "verified": false,
      "path": "Bank points / check terms",
      "mileageEligible": true,
      "mileageSource": "https://www.mandirikartukredit.com/livinpoin/redeem/krisflyer",
      "mileageRoute": "Bank points",
      "image": "https://www.mandirikartukredit.com/uploads/media/kartu/fengshui-front.png",
      "imageSource": "https://www.mandirikartukredit.com/produk/fengshui",
      "imageOriginal": "https://www.mandirikartukredit.com/uploads/media/kartu/fengshui-front.png",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": "Livin’poin expire two years after earning if not redeemed.",
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [
        "Singapore Airlines KrisFlyer"
      ],
      "verifiedAt": "2026-10-14",
      "calculatorDisabled": true,
      "transfers": [],
      "special": "2 points per IDR 20,000 in SGD, CNY, TWD and HKD; otherwise 1.",
      "earningSource": "https://www.bankmandiri.co.id/en/cara-dapat-livinpoin",
      "feeSource": "https://www.mandirikartukredit.com/produk/fengshui",
      "verificationScope": "Published annual card fee checked; earning and transfer terms remain a partial prior record."
    },
    {
      "id": "mandiri-precious",
      "country": "ID",
      "issuer": "Mandiri",
      "name": "Precious",
      "fee": 500000,
      "currency": "IDR",
      "reward": "Livin’poin",
      "rate": null,
      "earn": "1 Livin’poin per IDR 20,000 eligible domestic retail spend.",
      "route": "Issuer directs this product to Livin’ by Mandiri for KrisFlyer redemption. App-specific conversion and minimum are not verified; website 1:1 terms must not be applied.",
      "note": "Installments, cash advances, specified bills, donations, utilities, taxes and business invoicing are excluded. QRIS, transport, property, education and fuel use a reduced 1 point per IDR 100,000 rule. Confirm merchant classification.",
      "url": "https://www.mandirikartukredit.com/produk/jcb",
      "extra": "https://www.mandirikartukredit.com/livinpoin/redeem/garudamiles",
      "status": "Indexed from official sources; confirm availability",
      "verified": false,
      "path": "Bank points / check terms",
      "mileageEligible": true,
      "mileageSource": "https://www.mandirikartukredit.com/livinpoin/redeem/krisflyer",
      "mileageRoute": "Bank points",
      "image": "https://www.mandirikartukredit.com/uploads/media/jcb-white.png",
      "imageSource": "https://www.mandirikartukredit.com/produk/jcb",
      "imageOriginal": "https://www.mandirikartukredit.com/uploads/media/jcb-white.png",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": "Livin’poin expire two years after earning if not redeemed.",
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [
        "Singapore Airlines KrisFlyer"
      ],
      "verifiedAt": "2026-10-14",
      "calculatorDisabled": true,
      "transfers": [],
      "special": "2 points per IDR 20,000 in Japan, South Korea and ASEAN currencies; otherwise 1.",
      "earningSource": "https://www.bankmandiri.co.id/en/cara-dapat-livinpoin",
      "feeSource": "https://www.mandirikartukredit.com/produk/jcb",
      "verificationScope": "Published annual card fee checked; earning and transfer terms remain a partial prior record."
    },
    {
      "id": "mandiri-signature",
      "country": "ID",
      "issuer": "Mandiri",
      "name": "Signature",
      "fee": 900000,
      "currency": "IDR",
      "reward": "Livin’poin",
      "rate": 0.0001,
      "earn": "2 Livin’poin per IDR 20,000 eligible retail spend",
      "route": "MKK website: 1 point = 1 KrisFlyer mile up to 1,000 points per month per card, shared with other mileage redemptions. Excess: 3,000 points = 1,000 miles. Own-name account required.",
      "note": "Installments, cash advances, specified bills, donations, utilities, taxes and business invoicing are excluded. QRIS, transport, property, education and fuel use a reduced 1 point per IDR 100,000 rule. Confirm merchant classification. Base earning of 2 Livin’poin per IDR 20,000 per the Mandiri product page.",
      "url": "https://www.mandirikartukredit.com/produk/signature",
      "extra": "https://www.mandirikartukredit.com/livinpoin/redeem/garudamiles",
      "status": "Indexed from official sources; confirm availability",
      "verified": false,
      "path": "Bank points / check terms",
      "mileageEligible": true,
      "mileageSource": "https://www.mandirikartukredit.com/livinpoin/redeem/krisflyer",
      "mileageRoute": "Bank points",
      "image": "https://www.mandirikartukredit.com/uploads/media/redesign-kartu/Visa-Signature-Front.png",
      "imageSource": "https://www.mandirikartukredit.com/produk/signature",
      "imageOriginal": "https://www.mandirikartukredit.com/uploads/media/redesign-kartu/Visa-Signature-Front.png",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": "Livin’poin expire two years after earning if not redeemed.",
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [
        "Singapore Airlines KrisFlyer"
      ],
      "verifiedAt": "2026-10-15",
      "calculatorDisabled": true,
      "transfers": [
        {
          "program": "KrisFlyer — within monthly quota",
          "points": 1000,
          "miles": 1000,
          "minimumPoints": 1000,
          "increment": 1000,
          "processing": "Up to 15 working days"
        },
        {
          "program": "KrisFlyer — excess quota",
          "points": 3000,
          "miles": 1000,
          "minimumPoints": 3000,
          "increment": 3000,
          "processing": "Up to 15 working days"
        }
      ],
      "special": "Overseas eligible retail: 2 points per IDR 20,000.",
      "earningSource": "https://www.mandirikartukredit.com/produk/signature",
      "feeSource": "https://www.mandirikartukredit.com/produk/signature",
      "verificationScope": "Published annual card fee checked; earning and transfer terms remain a partial prior record."
    },
    {
      "id": "mandiri-golf-signature",
      "country": "ID",
      "issuer": "Mandiri",
      "name": "Golf Signature",
      "fee": 1500000,
      "currency": "IDR",
      "reward": "Livin’poin",
      "rate": null,
      "earn": "2 Livin’poin per IDR 20,000 eligible domestic retail spend.",
      "route": "MKK website: 1 point = 1 KrisFlyer mile up to 1,000 points per month per card, shared with other mileage redemptions. Excess: 3,000 points = 1,000 miles. Own-name account required.",
      "note": "Installments, cash advances, specified bills, donations, utilities, taxes and business invoicing are excluded. QRIS, transport, property, education and fuel use a reduced 1 point per IDR 100,000 rule. Confirm merchant classification. Main card membership fee IDR 1,500,000 per year per Mandiri product page.",
      "url": "https://www.mandirikartukredit.com/produk/golf-signature",
      "extra": "https://www.mandirikartukredit.com/livinpoin/redeem/garudamiles",
      "status": "Indexed from official sources; confirm availability",
      "verified": false,
      "path": "Bank points / check terms",
      "mileageEligible": true,
      "mileageSource": "https://www.mandirikartukredit.com/livinpoin/redeem/krisflyer",
      "mileageRoute": "Bank points",
      "image": "https://www.mandirikartukredit.com/uploads/media/page/golf-signature-contactless.png",
      "imageSource": "https://www.mandirikartukredit.com/produk/golf-signature",
      "imageOriginal": "https://www.mandirikartukredit.com/uploads/media/page/golf-signature-contactless.png",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": "Livin’poin expire two years after earning if not redeemed.",
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [
        "Singapore Airlines KrisFlyer"
      ],
      "verifiedAt": "2026-10-15",
      "calculatorDisabled": true,
      "transfers": [
        {
          "program": "KrisFlyer — within monthly quota",
          "points": 1000,
          "miles": 1000,
          "minimumPoints": 1000,
          "increment": 1000,
          "processing": "Up to 15 working days"
        },
        {
          "program": "KrisFlyer — excess quota",
          "points": 3000,
          "miles": 1000,
          "minimumPoints": 3000,
          "increment": 3000,
          "processing": "Up to 15 working days"
        }
      ],
      "special": "Overseas eligible retail: 2 points per IDR 20,000.",
      "earningSource": "https://www.bankmandiri.co.id/en/cara-dapat-livinpoin",
      "feeSource": "https://www.mandirikartukredit.com/produk/golf-signature"
    },
    {
      "id": "mandiri-prioritas",
      "country": "ID",
      "issuer": "Mandiri",
      "name": "Prioritas",
      "fee": null,
      "currency": "IDR",
      "reward": "Livin’poin",
      "rate": null,
      "earn": "3 Livin’poin per IDR 20,000 eligible domestic retail spend.",
      "route": "MKK website: 1 point = 1 KrisFlyer mile up to 25,000 points per month per card, shared with other mileage redemptions. Excess: 3,000 points = 1,000 miles. Own-name account required.",
      "note": "Installments, cash advances, specified bills, donations, utilities, taxes and business invoicing are excluded. QRIS, transport, property, education and fuel use a reduced 1 point per IDR 100,000 rule. Confirm merchant classification.",
      "url": "https://www.mandirikartukredit.com/produk/prioritas",
      "extra": "https://www.mandirikartukredit.com/livinpoin/redeem/garudamiles",
      "status": "Indexed from official sources; confirm availability",
      "verified": false,
      "path": "Bank points / check terms",
      "mileageEligible": true,
      "mileageSource": "https://www.mandirikartukredit.com/livinpoin/redeem/krisflyer",
      "mileageRoute": "Bank points",
      "image": "https://www.mandirikartukredit.com/uploads/media/redesign-kartu/Mastercard-Prioritas-Front.png",
      "imageSource": "https://www.mandirikartukredit.com/produk/prioritas",
      "imageOriginal": "https://www.mandirikartukredit.com/uploads/media/redesign-kartu/Mastercard-Prioritas-Front.png",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": "Livin’poin expire two years after earning if not redeemed.",
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [
        "Singapore Airlines KrisFlyer"
      ],
      "verifiedAt": "2026-10-13",
      "calculatorDisabled": true,
      "transfers": [
        {
          "program": "KrisFlyer — within monthly quota",
          "points": 1000,
          "miles": 1000,
          "minimumPoints": 10000,
          "increment": 1000,
          "processing": "Up to 15 working days"
        },
        {
          "program": "KrisFlyer — excess quota",
          "points": 3000,
          "miles": 1000,
          "minimumPoints": 3000,
          "increment": 3000,
          "processing": "Up to 15 working days"
        }
      ],
      "special": "Overseas retail: 4 points per IDR 20,000.",
      "earningSource": "https://www.bankmandiri.co.id/en/cara-dapat-livinpoin"
    },
    {
      "id": "mandiri-world-elite",
      "country": "ID",
      "issuer": "Mandiri",
      "name": "World Elite",
      "fee": null,
      "currency": "IDR",
      "reward": "Livin’poin",
      "rate": 0.0002,
      "earn": "4 Livin’poin per IDR 20,000 eligible retail spend",
      "route": "MKK website: 1 point = 1 KrisFlyer mile up to 25,000 points per month per card, shared with other mileage redemptions. Excess: 3,000 points = 1,000 miles. Own-name account required.",
      "note": "Installments, cash advances, specified bills, donations, utilities, taxes and business invoicing are excluded. QRIS, transport, property, education and fuel use a reduced 1 point per IDR 100,000 rule. Confirm merchant classification. Base earning of 4 Livin’poin per IDR 20,000 per the Mandiri product page. The page states 4X for domestic and overseas spend.",
      "url": "https://www.mandirikartukredit.com/produk/world-elite",
      "extra": "https://www.mandirikartukredit.com/livinpoin/redeem/garudamiles",
      "status": "Indexed from official sources; confirm availability",
      "verified": false,
      "path": "Bank points / check terms",
      "mileageEligible": true,
      "mileageSource": "https://www.mandirikartukredit.com/livinpoin/redeem/krisflyer",
      "mileageRoute": "Bank points",
      "image": "https://www.mandirikartukredit.com/uploads/media/world-elite-contactless.png",
      "imageSource": "https://www.mandirikartukredit.com/produk/world-elite",
      "imageOriginal": "https://www.mandirikartukredit.com/uploads/media/world-elite-contactless.png",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": "Livin’poin expire two years after earning if not redeemed.",
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [
        "Singapore Airlines KrisFlyer"
      ],
      "verifiedAt": "2026-10-15",
      "calculatorDisabled": true,
      "transfers": [
        {
          "program": "KrisFlyer — within monthly quota",
          "points": 1000,
          "miles": 1000,
          "minimumPoints": 10000,
          "increment": 1000,
          "processing": "Up to 15 working days"
        },
        {
          "program": "KrisFlyer — excess quota",
          "points": 3000,
          "miles": 1000,
          "minimumPoints": 3000,
          "increment": 3000,
          "processing": "Up to 15 working days"
        }
      ],
      "special": "Overseas eligible retail: 4 points per IDR 20,000.",
      "earningSource": "https://www.mandirikartukredit.com/produk/world-elite"
    },
    {
      "id": "cimb-niaga-mastercard-world",
      "country": "ID",
      "issuer": "CIMB Niaga",
      "name": "Mastercard World",
      "fee": 3000000,
      "currency": "IDR",
      "reward": "Poin Xtra",
      "rate": 0.002,
      "earn": "100 Poin Xtra / IDR 50,000 domestic spend (non-Preferred)",
      "route": "Review card-specific Poin Xtra airline conversion eligibility and ratios.",
      "note": "Preferred/Private with qualifying balances: 150 points domestically or 300 abroad per IDR 50,000. Non-Preferred foreign spend: 200. Calculator uses non-Preferred domestic base; waiver conditions apply.",
      "url": "https://www.cimbniaga.co.id/id/personal/kartu-kredit/world",
      "extra": "https://www.cimbniaga.co.id/id/personal/kartu-kredit/konversi-poinxtra",
      "status": "Indexed from official sources; confirm availability",
      "verified": true,
      "path": "Bank points / check terms",
      "income": 25000000,
      "mileageEligible": true,
      "mileageSource": "https://www.cimbniaga.co.id/id/personal/kartu-kredit/konversi-poinxtra",
      "mileageRoute": "Bank points",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "verifiedAt": null,
      "calculatorDisabled": true,
      "image": "public/assets/cards/cimb-mastercard-world.jpg",
      "imageSource": "https://www.cimbniaga.co.id/id/personal/kartu-kredit"
    },
    {
      "id": "cimb-niaga-world-syariah",
      "country": "ID",
      "issuer": "CIMB Niaga",
      "name": "World Syariah",
      "fee": null,
      "currency": "IDR",
      "reward": "Poin Xtra",
      "rate": null,
      "earn": "Earning rate not verified — calculator unavailable",
      "route": "Review card-specific Poin Xtra airline conversion eligibility and ratios.",
      "note": "Recurring fee not verified.",
      "url": "https://www.cimbniaga.co.id/id/personal/kartu-kredit/world-syariah",
      "extra": "https://www.cimbniaga.co.id/id/personal/kartu-kredit/konversi-poinxtra",
      "status": "Indexed from official sources; confirm availability",
      "verified": false,
      "path": "Bank points / check terms",
      "mileageEligible": true,
      "mileageSource": "https://www.cimbniaga.co.id/id/personal/kartu-kredit/konversi-poinxtra",
      "mileageRoute": "Bank points",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "verifiedAt": null,
      "calculatorDisabled": true,
      "image": "public/assets/cards/cimb-world-syariah.jpg",
      "imageSource": "https://www.cimbniaga.co.id/id/personal/kartu-kredit/world-syariah"
    },
    {
      "id": "cimb-niaga-private-wealth",
      "country": "ID",
      "issuer": "CIMB Niaga",
      "name": "Private Wealth",
      "fee": null,
      "currency": "IDR",
      "reward": "Poin Xtra",
      "rate": null,
      "earn": "Earning rate not verified — calculator unavailable",
      "route": "Review card-specific Poin Xtra airline conversion eligibility and ratios.",
      "note": "Recurring fee not verified.",
      "url": "https://www.cimbniaga.co.id/id/personal/kartu-kredit/private-wealth",
      "extra": "https://www.cimbniaga.co.id/id/personal/kartu-kredit/konversi-poinxtra",
      "status": "Indexed from official sources; confirm availability",
      "verified": false,
      "path": "Bank points / check terms",
      "mileageEligible": true,
      "mileageSource": "https://www.cimbniaga.co.id/id/personal/kartu-kredit/konversi-poinxtra",
      "mileageRoute": "Bank points",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "verifiedAt": null,
      "calculatorDisabled": true,
      "image": "https://www.cimbniaga.co.id/content/dam/cimb/kartu-kredit/card-private-wealth.png",
      "imageSource": "https://www.cimbniaga.co.id/id/personal/kartu-kredit/private-wealth"
    },
    {
      "id": "cimb-niaga-world-cathay",
      "country": "ID",
      "issuer": "CIMB Niaga",
      "name": "World Cathay",
      "fee": 1500000,
      "currency": "IDR",
      "reward": "Asia Miles",
      "rate": null,
      "earn": "Earning rate not verified — calculator unavailable",
      "route": "Eligible purchases earn Asia Miles under the World Cathay card rules.",
      "note": "Fee waivers and spending exclusions may apply.",
      "url": "https://www.cimbniaga.co.id/id/personal/kartu-kredit/world-cathay",
      "extra": "https://www.cimbniaga.co.id/id/personal/kartu-kredit/konversi-poinxtra",
      "status": "Indexed from official sources; confirm availability",
      "verified": false,
      "path": "Bank points / check terms",
      "mileageEligible": true,
      "mileageSource": "https://www.cimbniaga.co.id/id/personal/kartu-kredit/konversi-poinxtra",
      "mileageRoute": "Direct miles",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "verifiedAt": null,
      "calculatorDisabled": true,
      "image": "public/assets/cards/cimb-world-cathay.jpg",
      "imageSource": "https://flights.cathaypacific.com/id_ID/offers/cimb-world-cathay-card.html"
    },
    {
      "id": "cimb-niaga-mastercard-platinum",
      "country": "ID",
      "issuer": "CIMB Niaga",
      "name": "Mastercard Platinum",
      "fee": 0,
      "currency": "IDR",
      "reward": "Poin Xtra",
      "rate": null,
      "earn": "Earning rate not verified — calculator unavailable",
      "route": "Airline transfer requires also holding CIMB Mastercard World or World Syariah (all eligible airlines), or World Cathay (Asia Miles only). This card alone does not unlock mileage redemption.",
      "note": "Fee waivers and spending exclusions may apply.",
      "url": "https://www.cimbniaga.co.id/id/personal/kartu-kredit/mastercard-platinum",
      "extra": "https://www.cimbniaga.co.id/id/personal/kartu-kredit/konversi-poinxtra",
      "status": "Indexed from official sources; confirm availability",
      "verified": false,
      "path": "Bank points / check terms",
      "mileageEligible": true,
      "mileageSource": "https://www.cimbniaga.co.id/id/personal/kartu-kredit/mastercard-platinum",
      "mileageRoute": "Requires another card",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "verifiedAt": null,
      "calculatorDisabled": true,
      "image": "public/assets/cards/cimb-mastercard-platinum.jpg",
      "imageSource": "https://www.cimbniaga.co.id/id/personal/kartu-kredit"
    },
    {
      "id": "cimb-niaga-visa-travel-card",
      "country": "ID",
      "issuer": "CIMB Niaga",
      "name": "Visa Travel Card",
      "fee": 350000,
      "currency": "IDR",
      "reward": "Poin Xtra",
      "rate": null,
      "earn": "Earning rate not verified — calculator unavailable",
      "route": "Review card-specific Poin Xtra airline conversion eligibility and ratios.",
      "note": "Fee waivers and spending exclusions may apply.",
      "url": "https://www.cimbniaga.co.id/id/personal/kartu-kredit/visa-travel-card",
      "extra": "https://www.cimbniaga.co.id/id/personal/kartu-kredit/konversi-poinxtra",
      "status": "Indexed from official sources; confirm availability",
      "verified": false,
      "path": "Bank points / check terms",
      "mileageEligible": true,
      "mileageSource": "https://www.cimbniaga.co.id/id/personal/kartu-kredit/konversi-poinxtra",
      "mileageRoute": "Bank points",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "verifiedAt": null,
      "calculatorDisabled": true,
      "image": "https://www.cimbniaga.co.id/content/dam/cimb/kartu-kredit/Visa%20Platinum.png",
      "imageSource": "https://www.cimbniaga.co.id/id/personal/kartu-kredit/visa-travel-card"
    },
    {
      "id": "cimb-niaga-jcb-ultimate",
      "country": "ID",
      "issuer": "CIMB Niaga",
      "name": "JCB Ultimate",
      "fee": 3000000,
      "currency": "IDR",
      "reward": "Poin Xtra",
      "rate": null,
      "earn": "Earning rate not verified — calculator unavailable",
      "route": "Legacy product: check conversion and replacement-card terms.",
      "note": "Main card annual fee IDR 3,000,000 per CIMB Niaga conventional credit-card fee schedule. Charged immediately after approval.",
      "url": "https://www.cimbniaga.co.id/id/personal/kartu-kredit/ultimate",
      "extra": "https://www.cimbniaga.co.id/id/personal/kartu-kredit/spending-reward-mastercard-world",
      "status": "Legacy / replacement to Mastercard World",
      "verified": false,
      "path": "Bank points / check terms",
      "mileageEligible": true,
      "mileageSource": "https://www.cimbniaga.co.id/id/personal/kartu-kredit/spending-reward-mastercard-world",
      "mileageRoute": "Bank points",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "verifiedAt": "2026-10-15",
      "calculatorDisabled": true,
      "image": "public/assets/cards/cimb-jcb-ultimate.jpg",
      "imageSource": "https://www.global.jcb/en/press/2014/201411040001_alliance.html",
      "feeSource": "https://www.cimbniaga.co.id/id/personal/kartu-kredit/tarif---biaya-kartu-kredit-konvensional"
    },
    {
      "id": "cimb-niaga-visa-infinite",
      "country": "ID",
      "issuer": "CIMB Niaga",
      "name": "Visa Infinite",
      "fee": 1500000,
      "currency": "IDR",
      "reward": "Poin Xtra",
      "rate": null,
      "earn": "Earning rate not verified — calculator unavailable",
      "route": "Legacy product: check conversion and replacement-card terms.",
      "note": "Main card annual fee IDR 1,500,000 per CIMB Niaga conventional credit-card fee schedule. Charged immediately after approval.",
      "url": "https://www.cimbniaga.co.id/id/personal/kartu-kredit/visa-infinite",
      "extra": "https://www.cimbniaga.co.id/id/personal/kartu-kredit/spending-reward-mastercard-world",
      "status": "Legacy / replacement to Mastercard World",
      "verified": false,
      "path": "Bank points / check terms",
      "mileageEligible": true,
      "mileageSource": "https://www.cimbniaga.co.id/id/personal/kartu-kredit/spending-reward-mastercard-world",
      "mileageRoute": "Bank points",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "verifiedAt": "2026-10-15",
      "calculatorDisabled": true,
      "image": "https://www.cimbniaga.co.id/content/dam/cimb/kartu-kredit/banner-website/Bannerweb-visa-infinite.jpg",
      "imageSource": "https://www.cimbniaga.co.id/id/personal/kartu-kredit/visa-infinite",
      "feeSource": "https://www.cimbniaga.co.id/id/personal/kartu-kredit/tarif---biaya-kartu-kredit-konvensional"
    },
    {
      "id": "cimb-niaga-preferred-visa-infinite",
      "country": "ID",
      "issuer": "CIMB Niaga",
      "name": "Preferred Visa Infinite",
      "fee": null,
      "currency": "IDR",
      "reward": "Poin Xtra",
      "rate": null,
      "earn": "Earning rate not verified — calculator unavailable",
      "route": "Legacy product: check conversion and replacement-card terms.",
      "note": "Recurring fee not verified.",
      "url": "https://www.cimbniaga.co.id/id/personal/kartu-kredit/preferred-visa-infinite",
      "extra": "https://www.cimbniaga.co.id/id/personal/kartu-kredit/spending-reward-mastercard-world",
      "status": "Legacy / replacement to Mastercard World",
      "verified": false,
      "path": "Bank points / check terms",
      "mileageEligible": true,
      "mileageSource": "https://www.cimbniaga.co.id/id/personal/kartu-kredit/spending-reward-mastercard-world",
      "mileageRoute": "Bank points",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "verifiedAt": null,
      "calculatorDisabled": true,
      "image": "https://www.cimbniaga.co.id/content/dam/cimb/kartu-kredit/banner-website/BannerWeb-VisaInfinite.jpg",
      "imageSource": "https://www.cimbniaga.co.id/id/personal/kartu-kredit/preferred-visa-infinite"
    },
    {
      "id": "cimb-niaga-world-all-accor-live-limitless",
      "country": "ID",
      "issuer": "CIMB Niaga",
      "name": "World ALL Accor Live Limitless",
      "fee": 3000000,
      "currency": "IDR",
      "reward": "ALL Reward points",
      "rate": null,
      "earn": "Earning rate not verified — calculator unavailable",
      "route": "Earn ALL Reward points, then convert eligible points to airline miles under Accor partner rules. This is an indirect hotel-points route.",
      "note": "Main card annual fee IDR 3,000,000 per CIMB Niaga conventional credit-card fee schedule. Charged immediately after approval.",
      "url": "https://www.cimbniaga.co.id/id/personal/kartu-kredit/world-all-accor-live-limitless",
      "extra": null,
      "status": "Indexed from official sources; confirm availability",
      "verified": false,
      "path": "Hotel points",
      "mileageEligible": true,
      "mileageSource": "https://all.accor.com/a/en/loyalty-program/partners/conditions/airlines.html",
      "mileageRoute": "Via hotel points",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "verifiedAt": "2026-10-15",
      "calculatorDisabled": true,
      "image": "public/assets/cards/cimb-world-all-accor.jpg",
      "imageSource": "https://all.accor.com/a/en/loyalty-program/partners/offers/cimb-offer.html",
      "feeSource": "https://www.cimbniaga.co.id/id/personal/kartu-kredit/tarif---biaya-kartu-kredit-konvensional"
    },
    {
      "id": "cimb-niaga-platinum-all-accor-live-limitless",
      "country": "ID",
      "issuer": "CIMB Niaga",
      "name": "Platinum ALL Accor Live Limitless",
      "fee": 350000,
      "currency": "IDR",
      "reward": "ALL Reward points",
      "rate": null,
      "earn": "Earning rate not verified — calculator unavailable",
      "route": "Earn ALL Reward points, then convert eligible points to airline miles under Accor partner rules. This is an indirect hotel-points route.",
      "note": "Main card annual fee IDR 350,000 per CIMB Niaga conventional credit-card fee schedule. First year free; waived in later years with at least IDR 24 million retail spend per year, otherwise charged.",
      "url": "https://www.cimbniaga.co.id/id/personal/kartu-kredit/platinum-all-accor-live-limitless",
      "extra": null,
      "status": "Indexed from official sources; confirm availability",
      "verified": false,
      "path": "Hotel points",
      "mileageEligible": true,
      "mileageSource": "https://all.accor.com/a/en/loyalty-program/partners/conditions/airlines.html",
      "mileageRoute": "Via hotel points",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "verifiedAt": "2026-10-15",
      "calculatorDisabled": true,
      "image": "https://www.cimbniaga.co.id/content/dam/cimb/kartu-kredit/old%20platinum%20accor.jpg",
      "imageSource": "https://www.cimbniaga.co.id/id/personal/kartu-kredit/platinum-all-accor-live-limitless",
      "feeSource": "https://www.cimbniaga.co.id/id/personal/kartu-kredit/tarif---biaya-kartu-kredit-konvensional"
    },
    {
      "id": "danamon-jcb-precious",
      "country": "ID",
      "issuer": "Danamon",
      "name": "JCB Precious",
      "fee": 800000,
      "currency": "IDR",
      "reward": "D-Point",
      "rate": 0.0004,
      "earn": "1 D-Point per IDR 2,500 eligible retail spend",
      "route": "Confirm card-specific D-Point eligibility, airline partners and conversion thresholds.",
      "note": "Main card annual fee IDR 800,000 per Danamon credit-card fee schedule. Base earning of 1 D-Point per IDR 2,500 retail spend per the issuer product page; the page's footnote exclusions apply and were not itemized here.",
      "url": "https://www.danamon.co.id/Personal/KartuTransaksi/Kartu-Kredit/1-Menit-Bisa-Kartu-Kredit-Danamon-JCB-Precious",
      "extra": null,
      "status": "Indexed from official sources; confirm availability",
      "verified": false,
      "path": "Bank points / check terms",
      "image": "https://www.danamon.co.id/-/media/Project/Danamon/DCWCOID/v1/Content/Product/Thumbnail/Personal/Kartu-kredit/Thumbnail-09092025/Kartu-Kredit-Danamon-JCB-Precious---500x500.png?h=500&w=500",
      "imageSource": "https://www.danamon.co.id/Personal/KartuTransaksi/Kartu-Kredit/1-Menit-Bisa-Kartu-Kredit-Danamon-JCB-Precious",
      "mileageEligible": true,
      "mileageSource": "https://www.danamon.co.id/Personal/KartuTransaksi/Kartu-Kredit/1-Menit-Bisa-Kartu-Kredit-Danamon-JCB-Precious",
      "mileageRoute": "Bank points",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "verifiedAt": "2026-10-15",
      "calculatorDisabled": true,
      "feeSource": "https://www.danamon.co.id/id/Personal/Lainnya/Tarif-Biaya-Kartu-Kredit",
      "earningSource": "https://www.danamon.co.id/Personal/KartuTransaksi/Kartu-Kredit/1-Menit-Bisa-Kartu-Kredit-Danamon-JCB-Precious"
    },
    {
      "id": "danamon-mastercard-platinum",
      "country": "ID",
      "issuer": "Danamon",
      "name": "Mastercard Platinum",
      "fee": 600000,
      "currency": "IDR",
      "reward": "D-Point",
      "rate": 0.0004,
      "earn": "1 D-Point per IDR 2,500 eligible retail spend",
      "route": "Confirm card-specific D-Point eligibility, airline partners and conversion thresholds.",
      "note": "Main card annual fee IDR 600,000 per Danamon credit-card fee schedule. Base earning of 1 D-Point per IDR 2,500 retail spend per the issuer product page; the page's footnote exclusions apply and were not itemized here.",
      "url": "https://www.danamon.co.id/Personal/KartuTransaksi/Kartu-Kredit/1-Menit-Bisa-Kartu-Kredit-Danamon-Mastercard-Platinum",
      "extra": null,
      "status": "Indexed from official sources; confirm availability",
      "verified": false,
      "path": "Bank points / check terms",
      "mileageEligible": true,
      "mileageSource": "https://www.danamon.co.id/Personal/KartuTransaksi/Kartu-Kredit/1-Menit-Bisa-Kartu-Kredit-Danamon-Mastercard-Platinum",
      "mileageRoute": "Bank points",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "verifiedAt": "2026-10-15",
      "calculatorDisabled": true,
      "image": "public/assets/cards/danamon-mc-platinum.jpg",
      "imageSource": "https://www.danamon.co.id/Personal/KartuTransaksi/Kartu-Kredit/1-Menit-Bisa-Kartu-Kredit-Danamon-Mastercard-Platinum",
      "feeSource": "https://www.danamon.co.id/id/Personal/Lainnya/Tarif-Biaya-Kartu-Kredit",
      "earningSource": "https://www.danamon.co.id/Personal/KartuTransaksi/Kartu-Kredit/1-Menit-Bisa-Kartu-Kredit-Danamon-Mastercard-Platinum"
    },
    {
      "id": "danamon-mastercard-world",
      "country": "ID",
      "issuer": "Danamon",
      "name": "Mastercard World",
      "fee": 1200000,
      "currency": "IDR",
      "reward": "D-Point",
      "rate": 0.0004,
      "earn": "1 D-Point per IDR 2,500 eligible retail spend",
      "route": "Confirm card-specific D-Point eligibility, airline partners and conversion thresholds.",
      "note": "Main card annual fee IDR 1,200,000 per Danamon credit-card fee schedule. Base earning of 1 D-Point per IDR 2,500 retail spend per the issuer product page; the page's footnote exclusions apply and were not itemized here.",
      "url": "https://www.danamon.co.id/Personal/KartuTransaksi/Kartu-Kredit/1-Menit-Bisa-Kartu-Kredit-Danamon-Mastercard-World",
      "extra": null,
      "status": "Indexed from official sources; confirm availability",
      "verified": false,
      "path": "Bank points / check terms",
      "mileageEligible": true,
      "mileageSource": "https://www.danamon.co.id/Personal/KartuTransaksi/Kartu-Kredit/1-Menit-Bisa-Kartu-Kredit-Danamon-Mastercard-World",
      "mileageRoute": "Bank points",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "verifiedAt": "2026-10-15",
      "calculatorDisabled": true,
      "image": "public/assets/cards/danamon-mc-world.jpg",
      "imageSource": "https://www.danamon.co.id/Personal/KartuTransaksi/Kartu-Kredit/1-Menit-Bisa-Kartu-Kredit-Danamon-Mastercard-World",
      "feeSource": "https://www.danamon.co.id/id/Personal/Lainnya/Tarif-Biaya-Kartu-Kredit",
      "earningSource": "https://www.danamon.co.id/Personal/KartuTransaksi/Kartu-Kredit/1-Menit-Bisa-Kartu-Kredit-Danamon-Mastercard-World"
    },
    {
      "id": "danamon-visa-platinum",
      "country": "ID",
      "issuer": "Danamon",
      "name": "Visa Platinum",
      "fee": 600000,
      "currency": "IDR",
      "reward": "D-Point",
      "rate": 0.0004,
      "earn": "1 D-Point per IDR 2,500 eligible retail spend",
      "route": "Confirm card-specific D-Point eligibility, airline partners and conversion thresholds.",
      "note": "Main card annual fee IDR 600,000 per Danamon credit-card fee schedule. Base earning of 1 D-Point per IDR 2,500 retail spend per the issuer product page; the page's footnote exclusions apply and were not itemized here.",
      "url": "https://www.danamon.co.id/Personal/KartuTransaksi/Kartu-Kredit/1-Menit-Bisa-Kartu-Kredit-Danamon-Visa-Platinum",
      "extra": null,
      "status": "Indexed from official sources; confirm availability",
      "verified": false,
      "path": "Bank points / check terms",
      "image": "https://www.danamon.co.id/-/media/Project/Danamon/DCWCOID/v1/Content/Product/Thumbnail/Personal/Kartu-kredit/Thumbnail-09092025/Kartu-Kredit-Danamon-Visa-Platinum---500x500.png?h=500&w=500",
      "imageSource": "https://www.danamon.co.id/Personal/KartuTransaksi/Kartu-Kredit/1-Menit-Bisa-Kartu-Kredit-Danamon-Visa-Platinum",
      "mileageEligible": true,
      "mileageSource": "https://www.danamon.co.id/Personal/KartuTransaksi/Kartu-Kredit/1-Menit-Bisa-Kartu-Kredit-Danamon-Visa-Platinum",
      "mileageRoute": "Bank points",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "verifiedAt": "2026-10-15",
      "calculatorDisabled": true,
      "feeSource": "https://www.danamon.co.id/id/Personal/Lainnya/Tarif-Biaya-Kartu-Kredit",
      "earningSource": "https://www.danamon.co.id/Personal/KartuTransaksi/Kartu-Kredit/1-Menit-Bisa-Kartu-Kredit-Danamon-Visa-Platinum"
    },
    {
      "id": "danamon-visa-infinite",
      "country": "ID",
      "issuer": "Danamon",
      "name": "Visa Infinite",
      "fee": 1500000,
      "currency": "IDR",
      "reward": "D-Point",
      "rate": 0.0004,
      "earn": "1 D-Point per IDR 2,500 eligible retail spend",
      "route": "Confirm card-specific D-Point eligibility, airline partners and conversion thresholds.",
      "note": "Main card annual fee IDR 1,500,000 per Danamon credit-card fee schedule. Base earning of 1 D-Point per IDR 2,500 retail spend per the issuer product page; the page's footnote exclusions apply and were not itemized here.",
      "url": "https://www.danamon.co.id/Personal/KartuTransaksi/Kartu-Kredit/Infinite-Card",
      "extra": null,
      "status": "Indexed from official sources; confirm availability",
      "verified": false,
      "path": "Bank points / check terms",
      "image": "https://www.danamon.co.id/-/media/Project/Danamon/DCWCOID/v1/Content/Product/Thumbnail/Personal/Kartu-kredit/Thumbnail-09092025/Kartu-Kredit-Danamon-Visa-Infinite---500x500.png?h=500&w=500",
      "imageSource": "https://www.danamon.co.id/Personal/KartuTransaksi/Kartu-Kredit/Infinite-Card",
      "mileageEligible": true,
      "mileageSource": "https://www.danamon.co.id/Personal/KartuTransaksi/Kartu-Kredit/Infinite-Card",
      "mileageRoute": "Bank points",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "verifiedAt": "2026-10-15",
      "calculatorDisabled": true,
      "feeSource": "https://www.danamon.co.id/id/Personal/Lainnya/Tarif-Biaya-Kartu-Kredit",
      "earningSource": "https://www.danamon.co.id/Personal/KartuTransaksi/Kartu-Kredit/Infinite-Card"
    },
    {
      "id": "danamon-world-elite",
      "country": "ID",
      "issuer": "Danamon",
      "name": "World Elite",
      "fee": 6000000,
      "currency": "IDR",
      "reward": "D-Point",
      "rate": 0.0004,
      "earn": "1 D-Point per IDR 2,500 eligible retail spend",
      "route": "Confirm card-specific D-Point eligibility, airline partners and conversion thresholds.",
      "note": "Main card annual fee IDR 6,000,000 per Danamon credit-card fee schedule. Waived for Danamon Privilege customers with at least IDR 5 billion average managed funds over the last 12 months. Base earning of 1 D-Point per IDR 2,500 retail spend per the issuer product page; the page's footnote exclusions apply and were not itemized here.",
      "url": "https://www.danamon.co.id/Personal/KartuTransaksi/Kartu-Kredit/World-Elite",
      "extra": null,
      "status": "Indexed from official sources; confirm availability",
      "verified": false,
      "path": "Bank points / check terms",
      "image": "https://www.danamon.co.id/-/media/Project/Danamon/DCWCOID/v1/Content/Product/Thumbnail/Personal/Kartu-kredit/Thumbnail-09092025/Kartu-Kredit-Danamon-World-Elite-Mastercard---500x500.png?h=500&w=500",
      "imageSource": "https://www.danamon.co.id/Personal/KartuTransaksi/Kartu-Kredit/World-Elite",
      "mileageEligible": true,
      "mileageSource": "https://www.danamon.co.id/Personal/KartuTransaksi/Kartu-Kredit/World-Elite",
      "mileageRoute": "Bank points",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "verifiedAt": "2026-10-15",
      "calculatorDisabled": true,
      "feeSource": "https://www.danamon.co.id/id/Personal/Lainnya/Tarif-Biaya-Kartu-Kredit",
      "earningSource": "https://www.danamon.co.id/Personal/KartuTransaksi/Kartu-Kredit/World-Elite"
    },
    {
      "id": "danamon-jcb-treasure",
      "country": "ID",
      "issuer": "Danamon",
      "name": "JCB Treasure",
      "fee": 2000000,
      "currency": "IDR",
      "reward": "D-Point",
      "rate": null,
      "earn": "Earning rate not verified — calculator unavailable",
      "route": "Confirm card-specific D-Point eligibility, airline partners and conversion thresholds.",
      "note": "Main card annual fee IDR 2,000,000 per Danamon credit-card fee schedule.",
      "url": "https://www.danamon.co.id/Personal/KartuTransaksi/Kartu-Kredit/jcb-treasure",
      "extra": null,
      "status": "Indexed from official sources; confirm availability",
      "verified": false,
      "path": "Bank points / check terms",
      "image": "https://www.danamon.co.id/-/media/ALL-CONTENT-PERSONAL-BANKING/Kartu-Kredit/JCB-Treasure/thumbnail.jpg?h=1042&w=1042",
      "imageSource": "https://www.danamon.co.id/Personal/KartuTransaksi/Kartu-Kredit/jcb-treasure",
      "mileageEligible": true,
      "mileageSource": "https://www.danamon.co.id/Personal/KartuTransaksi/Kartu-Kredit/jcb-treasure",
      "mileageRoute": "Bank points",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "verifiedAt": "2026-10-15",
      "calculatorDisabled": true,
      "feeSource": "https://www.danamon.co.id/id/Personal/Lainnya/Tarif-Biaya-Kartu-Kredit"
    },
    {
      "id": "danamon-grab",
      "country": "ID",
      "issuer": "Danamon",
      "name": "Grab",
      "fee": 450000,
      "currency": "IDR",
      "reward": "D-Point",
      "rate": null,
      "earn": "Earning rate not verified — calculator unavailable",
      "route": "Confirm card-specific D-Point eligibility, airline partners and conversion thresholds.",
      "note": "Main card annual fee IDR 450,000 per Danamon credit-card fee schedule.",
      "url": "https://www.danamon.co.id/Personal/KartuTransaksi/Kartu-Kredit/1-Menit-Bisa-Kartu-Kredit-Danamon-Grab",
      "extra": null,
      "status": "Indexed from official sources; confirm availability",
      "verified": false,
      "path": "Bank points / check terms",
      "image": "https://www.danamon.co.id/-/media/Project/Danamon/DCWCOID/v1/Content/Product/Thumbnail/Personal/Kartu-kredit/Thumbnail-09092025/Kartu-Kredit-Danamon-Grab---500x500.png?h=500&w=500",
      "imageSource": "https://www.danamon.co.id/Personal/KartuTransaksi/Kartu-Kredit/1-Menit-Bisa-Kartu-Kredit-Danamon-Grab",
      "mileageEligible": true,
      "mileageSource": "https://www.danamon.co.id/Personal/KartuTransaksi/Kartu-Kredit/1-Menit-Bisa-Kartu-Kredit-Danamon-Grab",
      "mileageRoute": "Bank points",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "verifiedAt": "2026-10-15",
      "calculatorDisabled": true,
      "feeSource": "https://www.danamon.co.id/id/Personal/Lainnya/Tarif-Biaya-Kartu-Kredit"
    },
    {
      "id": "danamon-american-express-gold",
      "country": "ID",
      "issuer": "Danamon",
      "name": "American Express Gold",
      "fee": null,
      "currency": "IDR",
      "reward": "Membership Rewards points",
      "rate": null,
      "earn": "Earning rate not verified — calculator unavailable",
      "route": "Use Danamon American Express transfer terms. BCA American Express uses a separate program.",
      "note": "Recurring fee not verified.",
      "url": "https://www.danamon.co.id/Personal/KartuTransaksi/Kartu-Kredit/Gold-Card-Revamp",
      "extra": "https://www.danamon.co.id/Personal/KartuTransaksi/Lainnya/Syarat-dan-Ketentuan-Membership-Rewards-Points",
      "status": "Indexed from official sources; confirm availability",
      "verified": false,
      "path": "Bank points / check terms",
      "image": "https://www.danamon.co.id/-/media/Project/Danamon/DCWCOID/v1/Content/Product/Thumbnail/Personal/Kartu-kredit/v3Banner-Card-Face-GRCC-Gold---500x500.png?h=1042&w=1043",
      "imageSource": "https://www.danamon.co.id/Personal/KartuTransaksi/Kartu-Kredit/Gold-Card-Revamp",
      "mileageEligible": true,
      "mileageSource": "https://www.danamon.co.id/Personal/KartuTransaksi/Lainnya/Syarat-dan-Ketentuan-Membership-Rewards-Points",
      "mileageRoute": "Bank points",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "verifiedAt": null,
      "calculatorDisabled": true
    },
    {
      "id": "danamon-american-express-green",
      "country": "ID",
      "issuer": "Danamon",
      "name": "American Express Green",
      "fee": 650000,
      "currency": "IDR",
      "reward": "Membership Rewards points",
      "rate": 0.0004,
      "earn": "1 Membership Rewards point per IDR 2,500 eligible retail spend",
      "route": "Use Danamon American Express transfer terms. BCA American Express uses a separate program.",
      "note": "Main card annual fee IDR 650,000 per Danamon credit-card fee schedule. Listed as the Green Charge Card. Base earning of 1 Membership Rewards point per IDR 2,500 retail spend per the issuer product page; the page's footnote exclusions apply and were not itemized here.",
      "url": "https://www.danamon.co.id/Personal/KartuTransaksi/Kartu-Kredit/Kartu-Danamon-American-Express-Green",
      "extra": "https://www.danamon.co.id/Personal/KartuTransaksi/Lainnya/Syarat-dan-Ketentuan-Membership-Rewards-Points",
      "status": "Indexed from official sources; confirm availability",
      "verified": false,
      "path": "Bank points / check terms",
      "image": "https://www.danamon.co.id/-/media/Project/Danamon/DCWCOID/v1/Content/Product/Thumbnail/Personal/Kartu-kredit/Thumbnail-09092025/Kartu-Danamon-American-Express-Green----500x500.png?h=500&w=500",
      "imageSource": "https://www.danamon.co.id/Personal/KartuTransaksi/Kartu-Kredit/Kartu-Danamon-American-Express-Green",
      "mileageEligible": true,
      "mileageSource": "https://www.danamon.co.id/Personal/KartuTransaksi/Lainnya/Syarat-dan-Ketentuan-Membership-Rewards-Points",
      "mileageRoute": "Bank points",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "verifiedAt": "2026-10-15",
      "calculatorDisabled": true,
      "feeSource": "https://www.danamon.co.id/id/Personal/Lainnya/Tarif-Biaya-Kartu-Kredit",
      "earningSource": "https://www.danamon.co.id/Personal/KartuTransaksi/Kartu-Kredit/Kartu-Danamon-American-Express-Green"
    },
    {
      "id": "danamon-american-express-platinum",
      "country": "ID",
      "issuer": "Danamon",
      "name": "American Express Platinum",
      "fee": 12000000,
      "currency": "IDR",
      "reward": "Membership Rewards points",
      "rate": 0.0004,
      "earn": "1 Membership Rewards point per IDR 2,500 eligible retail spend",
      "route": "Use Danamon American Express transfer terms. BCA American Express uses a separate program.",
      "note": "Main card annual fee IDR 12,000,000 per Danamon credit-card fee schedule. Listed as the Platinum Card charge card; waived for Danamon Privilege customers with at least IDR 5 billion average managed funds over the last 12 months. Base earning of 1 Membership Rewards point per IDR 2,500 retail spend per the issuer product page; the page's footnote exclusions apply and were not itemized here.",
      "url": "https://www.danamon.co.id/Personal/KartuTransaksi/Kartu-Kredit/Platinum-Card",
      "extra": "https://www.danamon.co.id/Personal/KartuTransaksi/Lainnya/Syarat-dan-Ketentuan-Membership-Rewards-Points",
      "status": "Indexed from official sources; confirm availability",
      "verified": false,
      "path": "Bank points / check terms",
      "mileageEligible": true,
      "mileageSource": "https://www.danamon.co.id/Personal/KartuTransaksi/Lainnya/Syarat-dan-Ketentuan-Membership-Rewards-Points",
      "mileageRoute": "Bank points",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "verifiedAt": "2026-10-15",
      "calculatorDisabled": true,
      "image": "https://www.danamon.co.id/-/media/Project/Danamon/DCWCOID/v1/Content/Product/Thumbnail/Personal/Kartu-kredit/Thumbnail-09092025/Kartu-Danamon-American-Express-Platinum---500x500.png",
      "imageSource": "https://www.danamon.co.id/Personal/KartuTransaksi/Kartu-Kredit/Platinum-Card",
      "feeSource": "https://www.danamon.co.id/id/Personal/Lainnya/Tarif-Biaya-Kartu-Kredit",
      "earningSource": "https://www.danamon.co.id/Personal/KartuTransaksi/Kartu-Kredit/Platinum-Card"
    },
    {
      "id": "maybank-visa-infinite",
      "country": "ID",
      "issuer": "Maybank",
      "name": "Visa Infinite",
      "fee": 1500000,
      "currency": "IDR",
      "reward": "Maybank TREATS",
      "rate": 0.0001125112511251125,
      "earn": "1 TREATS / IDR 8,888 eligible ordinary spend",
      "route": "Maybank TREATS bank points. Up to 200,000 TREATS Points transferred to an airline in the preceding 12 months use the published 1:1 conversion; the lower tier after that threshold is recorded in official terms.",
      "note": "TREATS expire after one year. September 10, 2026 spending exclusions apply. Bonus categories excluded. Airline transfers are subject to the member-name match, program limits and the current Maybank TREATS schedule.",
      "url": "https://www.maybank.co.id/id/creditcard/maybank-visa-infinite-credit-card",
      "extra": "https://www.maybank.co.id/id/creditcard/treatspoint-jan-2026",
      "status": "Indexed from official sources; confirm availability",
      "verified": true,
      "path": "Bank points / check terms",
      "mileageEligible": true,
      "mileageSource": "https://www.maybank.co.id/id/creditcard/treatspoint-jan-2026",
      "mileageRoute": "Bank points",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": "TREATS earned since February 1, 2025 expire one year after earning.",
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [
        "Singapore Airlines KrisFlyer",
        "GarudaMiles",
        "Cathay Asia Miles",
        "AirAsia rewards"
      ],
      "verifiedAt": "2026-10-14",
      "calculatorDisabled": true,
      "transfers": [
        {
          "program": "KrisFlyer / GarudaMiles / Asia Miles",
          "points": 20000,
          "miles": 20000,
          "minimumPoints": 20000,
          "increment": 20000,
          "processing": "Issuer requests Garuda/KrisFlyer on Monday and Thursday; up to 5 working days after request"
        }
      ],
      "feeSource": "https://www.maybank.co.id/creditcard/feescharges",
      "verificationScope": "Annual card fee and current TREATS eligibility, earning and expiry schedule checked; transfer tiers remain subject to the published rolling limit.",
      "image": "https://www.maybank.co.id/-/media/Feature/Content/Banner/Image-Banner-and-Card/Kartu-Kredit/Card/Kartu-Kredit-Revamp-Web-Product-Card-215x135-Infinite.png?h=135&iar=0&w=215&hash=CB8C55FBECB72F385564B0580D667637",
      "imageSource": "https://www.maybank.co.id/id/creditcard"
    },
    {
      "id": "maybank-bmw",
      "country": "ID",
      "issuer": "Maybank",
      "name": "BMW",
      "fee": 1500000,
      "currency": "IDR",
      "reward": "Maybank TREATS",
      "rate": 0.0001125112511251125,
      "earn": "1 TREATS / IDR 8,888 eligible ordinary spend",
      "route": "Maybank TREATS bank points. Up to 200,000 TREATS Points transferred to an airline in the preceding 12 months use the published 1:1 conversion; the lower tier after that threshold is recorded in official terms.",
      "note": "TREATS expire after one year. September 10, 2026 spending exclusions apply. Bonus categories excluded. Airline transfers are subject to the member-name match, program limits and the current Maybank TREATS schedule.",
      "url": "https://www.maybank.co.id/id/creditcard/bmw-maybank-credit-card",
      "extra": "https://www.maybank.co.id/id/creditcard/treatspoint-jan-2026",
      "status": "Indexed from official sources; confirm availability",
      "verified": true,
      "path": "Bank points / check terms",
      "mileageEligible": true,
      "mileageSource": "https://www.maybank.co.id/id/creditcard/treatspoint-jan-2026",
      "mileageRoute": "Bank points",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": "TREATS earned since February 1, 2025 expire one year after earning.",
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [
        "Singapore Airlines KrisFlyer",
        "GarudaMiles",
        "Cathay Asia Miles",
        "AirAsia rewards"
      ],
      "verifiedAt": "2026-10-14",
      "calculatorDisabled": true,
      "transfers": [
        {
          "program": "KrisFlyer / GarudaMiles / Asia Miles",
          "points": 20000,
          "miles": 20000,
          "minimumPoints": 20000,
          "increment": 20000,
          "processing": "Issuer requests Garuda/KrisFlyer on Monday and Thursday; up to 5 working days after request"
        }
      ],
      "feeSource": "https://www.maybank.co.id/id/creditcard/bmw-maybank-credit-card",
      "verificationScope": "Annual card fee and current TREATS eligibility, earning and expiry schedule checked; transfer tiers remain subject to the published rolling limit.",
      "image": "https://www.maybank.co.id/id/creditcard/-/media/Feature/Content/Card/BMW-Credit-Card-Design-215x135-rev.png",
      "imageSource": "https://www.maybank.co.id/id/creditcard/bmw-maybank-credit-card"
    },
    {
      "id": "maybank-mini",
      "country": "ID",
      "issuer": "Maybank",
      "name": "MINI",
      "fee": 1500000,
      "currency": "IDR",
      "reward": "Maybank TREATS",
      "rate": 0.0001125112511251125,
      "earn": "1 TREATS / IDR 8,888 eligible ordinary spend",
      "route": "Maybank TREATS bank points. Up to 200,000 TREATS Points transferred to an airline in the preceding 12 months use the published 1:1 conversion; the lower tier after that threshold is recorded in official terms.",
      "note": "TREATS expire after one year. September 10, 2026 spending exclusions apply. Bonus categories excluded. Airline transfers are subject to the member-name match, program limits and the current Maybank TREATS schedule.",
      "url": "https://www.maybank.co.id/id/creditcard/mini-cobrand-card",
      "extra": "https://www.maybank.co.id/id/creditcard/treatspoint-jan-2026",
      "status": "Indexed from official sources; confirm availability",
      "verified": true,
      "path": "Bank points / check terms",
      "mileageEligible": true,
      "mileageSource": "https://www.maybank.co.id/id/creditcard/treatspoint-jan-2026",
      "mileageRoute": "Bank points",
      "firstYearFee": 0,
      "feeWaiver": "First year waived. Later years require at least one purchase at MINI during the preceding year, on each card seeking a waiver.",
      "rounding": null,
      "pointsExpiry": "TREATS earned since February 1, 2025 expire one year after earning.",
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [
        "Singapore Airlines KrisFlyer",
        "GarudaMiles",
        "Cathay Asia Miles",
        "AirAsia rewards"
      ],
      "verifiedAt": "2026-10-14",
      "calculatorDisabled": true,
      "transfers": [
        {
          "program": "KrisFlyer / GarudaMiles / Asia Miles",
          "points": 20000,
          "miles": 20000,
          "minimumPoints": 20000,
          "increment": 20000,
          "processing": "Issuer requests Garuda/KrisFlyer on Monday and Thursday; up to 5 working days after request"
        }
      ],
      "feeSource": "https://www.maybank.co.id/id/creditcard/mini-cobrand-card",
      "verificationScope": "Annual card fee and current TREATS eligibility, earning and expiry schedule checked; transfer tiers remain subject to the published rolling limit.",
      "image": "https://www.maybank.co.id/id/creditcard/-/media/Feature/Content/Card/BMW-Mini-Credit-Card-Design-215x135-rev.png",
      "imageSource": "https://www.maybank.co.id/id/creditcard/mini-cobrand-card"
    },
    {
      "id": "maybank-visa-platinum",
      "country": "ID",
      "issuer": "Maybank",
      "name": "Visa Platinum",
      "fee": 600000,
      "currency": "IDR",
      "reward": "Maybank TREATS",
      "rate": 0.00005,
      "earn": "1 TREATS / IDR 20,000 eligible ordinary spend",
      "route": "Maybank TREATS bank points. Up to 200,000 TREATS Points transferred to an airline in the preceding 12 months use the published 1:1 conversion; the lower tier after that threshold is recorded in official terms.",
      "note": "TREATS expire after one year. September 10, 2026 spending exclusions apply. Bonus categories excluded. Airline transfers are subject to the member-name match, program limits and the current Maybank TREATS schedule.",
      "url": "https://www.maybank.co.id/id/creditcard/maybank-platinum-credit-card",
      "extra": "https://www.maybank.co.id/id/creditcard/treatspoint-jan-2026",
      "status": "Indexed from official sources; confirm availability",
      "verified": true,
      "path": "Bank points / check terms",
      "mileageEligible": true,
      "mileageSource": "https://www.maybank.co.id/id/creditcard/treatspoint-jan-2026",
      "mileageRoute": "Bank points",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": "TREATS earned since February 1, 2025 expire one year after earning.",
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [
        "Singapore Airlines KrisFlyer",
        "GarudaMiles",
        "Cathay Asia Miles",
        "AirAsia rewards"
      ],
      "verifiedAt": "2026-10-14",
      "calculatorDisabled": true,
      "transfers": [
        {
          "program": "KrisFlyer / GarudaMiles / Asia Miles",
          "points": 20000,
          "miles": 20000,
          "minimumPoints": 20000,
          "increment": 20000,
          "processing": "Issuer requests Garuda/KrisFlyer on Monday and Thursday; up to 5 working days after request"
        }
      ],
      "feeSource": "https://www.maybank.co.id/creditcard/feescharges",
      "verificationScope": "Published annual card fee and TREATS expiry checked; remaining terms are partially verified.",
      "image": "https://www.maybank.co.id/-/media/Feature/Content/Banner/Image-Banner-and-Card/Kartu-Kredit/Card/Kartu-Kredit-Revamp-Web-Product-Card-215x135-Platinum-Visa.png?h=135&iar=0&w=215&hash=911F7D33C9F9862859D60F6A812BD9EE",
      "imageSource": "https://www.maybank.co.id/id/creditcard"
    },
    {
      "id": "maybank-mastercard-platinum",
      "country": "ID",
      "issuer": "Maybank",
      "name": "Mastercard Platinum",
      "fee": 600000,
      "currency": "IDR",
      "reward": "Maybank TREATS",
      "rate": 0.00005,
      "earn": "1 TREATS / IDR 20,000 eligible ordinary spend",
      "route": "Maybank TREATS bank points. Up to 200,000 TREATS Points transferred to an airline in the preceding 12 months use the published 1:1 conversion; the lower tier after that threshold is recorded in official terms.",
      "note": "TREATS expire after one year. September 10, 2026 spending exclusions apply. Bonus categories excluded. Airline transfers are subject to the member-name match, program limits and the current Maybank TREATS schedule.",
      "url": "https://www.maybank.co.id/id/creditcard/maybank-master-platinum-credit-card",
      "extra": "https://www.maybank.co.id/id/creditcard/treatspoint-jan-2026",
      "status": "Indexed from official sources; confirm availability",
      "verified": true,
      "path": "Bank points / check terms",
      "image": "https://www.maybank.co.id/-/media/Feature/Form/Maybank-Platinum-MasterCard-rev.png?h=135&iar=0&w=215&hash=28E94A3D4B16B9BC8C241B59CA28AF18",
      "imageSource": "https://www.maybank.co.id/id/creditcard/maybank-master-platinum-credit-card",
      "mileageEligible": true,
      "mileageSource": "https://www.maybank.co.id/id/creditcard/treatspoint-jan-2026",
      "mileageRoute": "Bank points",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": "TREATS earned since February 1, 2025 expire one year after earning.",
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [
        "Singapore Airlines KrisFlyer",
        "GarudaMiles",
        "Cathay Asia Miles",
        "AirAsia rewards"
      ],
      "verifiedAt": "2026-10-14",
      "calculatorDisabled": true,
      "transfers": [
        {
          "program": "KrisFlyer / GarudaMiles / Asia Miles",
          "points": 20000,
          "miles": 20000,
          "minimumPoints": 20000,
          "increment": 20000,
          "processing": "Issuer requests Garuda/KrisFlyer on Monday and Thursday; up to 5 working days after request"
        }
      ],
      "feeSource": "https://www.maybank.co.id/creditcard/feescharges",
      "verificationScope": "Published annual card fee and TREATS expiry checked; remaining terms are partially verified."
    },
    {
      "id": "maybank-jcb-platinum",
      "country": "ID",
      "issuer": "Maybank",
      "name": "JCB Platinum",
      "fee": 600000,
      "currency": "IDR",
      "reward": "Maybank TREATS",
      "rate": 0.0001,
      "earn": "1 TREATS / IDR 10,000 eligible ordinary spend",
      "route": "Maybank TREATS bank points. Up to 200,000 TREATS Points transferred to an airline in the preceding 12 months use the published 1:1 conversion; the lower tier after that threshold is recorded in official terms.",
      "note": "TREATS expire after one year. September 10, 2026 spending exclusions apply. Bonus categories excluded. Airline transfers are subject to the member-name match, program limits and the current Maybank TREATS schedule.",
      "url": "https://www.maybank.co.id/id/creditcard/maybank-jcb-platinum-credit-card",
      "extra": "https://www.maybank.co.id/id/creditcard/treatspoint-jan-2026",
      "status": "Indexed from official sources; confirm availability",
      "verified": true,
      "path": "Bank points / check terms",
      "mileageEligible": true,
      "mileageSource": "https://www.maybank.co.id/id/creditcard/treatspoint-jan-2026",
      "mileageRoute": "Bank points",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": "TREATS earned since February 1, 2025 expire one year after earning.",
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [
        "Singapore Airlines KrisFlyer",
        "GarudaMiles",
        "Cathay Asia Miles",
        "AirAsia rewards"
      ],
      "verifiedAt": "2026-10-14",
      "calculatorDisabled": true,
      "transfers": [
        {
          "program": "KrisFlyer / GarudaMiles / Asia Miles",
          "points": 20000,
          "miles": 20000,
          "minimumPoints": 20000,
          "increment": 20000,
          "processing": "Issuer requests Garuda/KrisFlyer on Monday and Thursday; up to 5 working days after request"
        }
      ],
      "feeSource": "https://www.maybank.co.id/creditcard/feescharges",
      "verificationScope": "Published annual card fee and TREATS expiry checked; remaining terms are partially verified.",
      "image": "https://www.maybank.co.id/-/media/Feature/Content/Banner/Image-Banner-and-Card/Kartu-Kredit/Card/Kartu-Kredit-Revamp-Web-Product-Card-215x135-JCB-a.png?h=135&iar=0&w=215&hash=5550649320345E64330387B6292F1DEE",
      "imageSource": "https://www.maybank.co.id/id/creditcard"
    },
    {
      "id": "maybank-manchester-united",
      "country": "ID",
      "issuer": "Maybank",
      "name": "Manchester United",
      "fee": 600000,
      "currency": "IDR",
      "reward": "Maybank TREATS",
      "rate": 0.00005,
      "earn": "1 TREATS / IDR 20,000 eligible ordinary spend",
      "route": "Maybank TREATS bank points. Up to 200,000 TREATS Points transferred to an airline in the preceding 12 months use the published 1:1 conversion; the lower tier after that threshold is recorded in official terms.",
      "note": "TREATS expire after one year. September 10, 2026 spending exclusions apply. Bonus categories excluded. Airline transfers are subject to the member-name match, program limits and the current Maybank TREATS schedule. Main card annual fee IDR 600,000 per the Maybank product page. First year free without conditions; later years free with at least IDR 12 million spend in the previous year.",
      "url": "https://www.maybank.co.id/id/creditcard/maybank-kartu-kredit-manchester-united",
      "extra": "https://www.maybank.co.id/id/creditcard/treatspoint-jan-2026",
      "status": "Indexed from official sources; confirm availability",
      "verified": true,
      "path": "Bank points / check terms",
      "mileageEligible": true,
      "mileageSource": "https://www.maybank.co.id/id/creditcard/treatspoint-jan-2026",
      "mileageRoute": "Bank points",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [
        "Singapore Airlines KrisFlyer",
        "GarudaMiles",
        "Cathay Asia Miles",
        "AirAsia rewards"
      ],
      "verifiedAt": "2026-10-15",
      "calculatorDisabled": true,
      "transfers": [
        {
          "program": "KrisFlyer / GarudaMiles / Asia Miles",
          "points": 20000,
          "miles": 20000,
          "minimumPoints": 20000,
          "increment": 20000,
          "processing": "Issuer requests Garuda/KrisFlyer on Monday and Thursday; up to 5 working days after request"
        }
      ],
      "image": "https://www.maybank.co.id/id/creditcard/-/media/Feature/Content/Card/Maybank-MU-Visa-Credit-Card-215x135.png",
      "imageSource": "https://www.maybank.co.id/id/creditcard/maybank-kartu-kredit-manchester-united",
      "feeSource": "https://www.maybank.co.id/id/creditcard/maybank-kartu-kredit-manchester-united"
    },
    {
      "id": "maybank-white-card",
      "country": "ID",
      "issuer": "Maybank",
      "name": "White Card",
      "fee": 180000,
      "currency": "IDR",
      "reward": "Maybank TREATS Miles",
      "rate": null,
      "earn": "Select the TREATS Miles wallet: 1 per IDR 10,000 (Onyx), IDR 9,000 (Emerald), or IDR 8,000 (Diamond).",
      "route": "White Card uses its own TREATS Miles wallet. Minimum 40,000 to each listed airline; output ratios require confirmation in M2U. Standard TREATS Points transfer rules do not apply automatically.",
      "note": "Choose the Miles wallet before the next billing cycle; default is TREATS Cash. Annualized fee: IDR 15,000 per month. Cash, bill-payment and specified merchant exclusions apply.",
      "url": "https://www.maybank.co.id/id/creditcard/maybank-white-card-new-benefit",
      "extra": "https://www.maybank.co.id/id/creditcard/treatspoint-jan-2026",
      "status": "Indexed from official sources; confirm availability",
      "verified": false,
      "path": "Bank points / check terms",
      "mileageEligible": true,
      "mileageSource": "https://www.maybank.co.id/id/creditcard/maybank-white-card-new-benefit",
      "mileageRoute": "Bank points",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": "One year after earning.",
      "transferMinimum": null,
      "transferFee": "Free in M2U ID.",
      "processingTime": null,
      "partners": [
        "Singapore Airlines KrisFlyer",
        "GarudaMiles",
        "Cathay Asia Miles",
        "AirAsia rewards"
      ],
      "verifiedAt": "2026-10-13",
      "calculatorDisabled": true,
      "transfers": [
        {
          "program": "KrisFlyer",
          "points": null,
          "miles": null,
          "minimumPoints": 40000,
          "increment": null,
          "processing": "Not verified"
        },
        {
          "program": "GarudaMiles",
          "points": null,
          "miles": null,
          "minimumPoints": 40000,
          "increment": null,
          "processing": "Not verified"
        },
        {
          "program": "Asia Miles",
          "points": null,
          "miles": null,
          "minimumPoints": 40000,
          "increment": null,
          "processing": "Not verified"
        },
        {
          "program": "AirAsia rewards",
          "points": null,
          "miles": null,
          "minimumPoints": 40000,
          "increment": null,
          "processing": "Not verified"
        }
      ],
      "special": "Monthly billing-cycle cap: Onyx 2,000; Emerald 3,000; Diamond 5,000 TREATS Miles. Club is reassessed annually.",
      "eligibility": "Primary applicant 21–65 (or married), IDR 120 million annual income; Indonesian ID or eligible foreign residency documents, tax ID and satisfactory credit history.",
      "image": "https://www.maybank.co.id/-/media/Feature/Content/Banner/Image-Banner-and-Card/Kartu-Kredit/Card/Kartu-Kredit-Revamp-Web-Product-Card-215x135-white-card.png?h=135&iar=0&w=215&hash=8787CC29E4367EC7381FF7DCC579C3F3",
      "imageSource": "https://www.maybank.co.id/id/creditcard"
    },
    {
      "id": "uob-indonesia-zenith",
      "country": "ID",
      "issuer": "UOB Indonesia",
      "name": "Zenith",
      "fee": 3500000,
      "currency": "IDR",
      "reward": "UOB Points",
      "rate": 0.0006666666666666666,
      "earn": "1 UOB Point per IDR 1,500 eligible purchases in any country.",
      "route": "The January 9, 2026 schedule uses 5.87 UOB Points per airline mile; UOB quotes approximately IDR 8,800 per mile.",
      "note": "Instalments, cash advances, utilities, government payments and specified donations are excluded. The issuer rounds its advertised effective spend per mile; estimates remain disabled.",
      "url": "https://www.uob.co.id/personal/cards/zenith.page",
      "extra": "https://www.uob.co.id/personal/cards/rewards.page",
      "status": "Indexed from official sources; confirm availability",
      "verified": false,
      "path": "Bank points / check terms",
      "mileageEligible": true,
      "mileageSource": "https://www.uob.co.id/personal/cards/zenith.page",
      "mileageRoute": "Bank points",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "verifiedAt": "2026-10-14",
      "calculatorDisabled": true,
      "earningSource": "https://www.uob.co.id/personal/cards/zenith.page",
      "verificationScope": "Published card fee and earning summary checked; remaining terms are only partially verified.",
      "image": "https://www.uob.co.id/assets/web-resources/images/card-face/card/uob-zenith-card.jpg",
      "imageSource": "https://www.uob.co.id/personal/cards/index.page"
    },
    {
      "id": "uob-indonesia-privimiles",
      "country": "ID",
      "issuer": "UOB Indonesia",
      "name": "PRIVIMiles",
      "fee": 1000000,
      "currency": "IDR",
      "reward": "UOB Points",
      "rate": 0.001,
      "earn": "1 UOB Point per IDR 1,000 domestic purchases; 2.67 points in MYR, SGD, THB or VND and 1.6 points in other foreign currencies per IDR 1,000 equivalent.",
      "route": "From January 9, 2026: 12 UOB Points per airline mile. Published redemption example: 60,000 points for 5,000 KrisFlyer, GarudaMiles, Asia Miles or AirAsia rewards.",
      "note": "Domestic airline-mile equivalent is IDR 12,000 per mile. Instalments, cash advances, utilities, government payments and specified donations do not earn points. Rounding and minimum transfer need confirmation.",
      "url": "https://www.uob.co.id/personal/cards/privimiles.page",
      "extra": "https://www.uob.co.id/personal/cards/rewards.page",
      "status": "Indexed from official sources; confirm availability",
      "verified": false,
      "path": "Bank points / check terms",
      "mileageEligible": true,
      "mileageSource": "https://www.uob.co.id/personal/cards/privimiles.page",
      "mileageRoute": "Bank points",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [
        "Singapore Airlines KrisFlyer",
        "GarudaMiles",
        "Cathay Asia Miles",
        "AirAsia rewards"
      ],
      "verifiedAt": "2026-10-14",
      "calculatorDisabled": true,
      "transfers": [
        {
          "program": "KrisFlyer / GarudaMiles / Asia Miles / AirAsia rewards",
          "points": 60000,
          "miles": 5000,
          "minimumPoints": null,
          "increment": null,
          "processing": "Not verified"
        }
      ],
      "earningSource": "https://www.uob.co.id/personal/cards/privimiles.page",
      "verificationScope": "Published card fee and earning summary checked; remaining terms are only partially verified.",
      "image": "https://www.uob.co.id/assets/web-resources/images/card-face/card/uob-privimiles-card.jpg",
      "imageSource": "https://www.uob.co.id/personal/cards/index.page"
    },
    {
      "id": "uob-indonesia-garuda-indonesia-uob-card",
      "country": "ID",
      "issuer": "UOB Indonesia",
      "name": "Garuda Indonesia UOB Card",
      "fee": 800000,
      "currency": "IDR",
      "reward": "GarudaMiles",
      "rate": 0.00008333333333333333,
      "earn": "Per IDR 24,000: 2 GarudaMiles on other domestic purchases, 3 on foreign-currency or hotel/travel purchases, and 4.8 on direct Garuda Indonesia purchases.",
      "route": "Miles transfer automatically to the primary cardholder’s GarudaMiles account once at least 250 miles have accumulated.",
      "note": "Instalments, cash advances, specified utility/government/donation payments and fees do not earn miles.",
      "url": "https://www.uob.co.id/personal/cards/garuda.page",
      "extra": "https://www.uob.co.id/personal/cards/rewards.page",
      "status": "Indexed from official sources; confirm availability",
      "verified": false,
      "path": "Bank points / check terms",
      "mileageEligible": true,
      "mileageSource": "https://www.uob.co.id/personal/cards/garuda.page",
      "mileageRoute": "Direct miles",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": "Earning is quoted per IDR 24,000 multiples; fractional-mile settlement not yet modeled.",
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "verifiedAt": "2026-10-14",
      "calculatorDisabled": true,
      "earningSource": "https://www.uob.co.id/personal/cards/garuda.page",
      "verificationScope": "Published card fee and earning summary checked; remaining terms are only partially verified.",
      "image": "https://www.uob.co.id/assets/web-resources/images/card-face/card/uob-garuda-card.jpg",
      "imageSource": "https://www.uob.co.id/personal/cards/index.page"
    },
    {
      "id": "uob-indonesia-preferred",
      "country": "ID",
      "issuer": "UOB Indonesia",
      "name": "Preferred",
      "fee": 500000,
      "currency": "IDR",
      "reward": "UOB Points",
      "rate": 0.001,
      "earn": "1 UOB Point per IDR 1,000 other retail purchases; 3 points on restaurants, fashion, department stores and overseas spend. Extra points capped at 100,000 per customer monthly.",
      "route": "Confirm Indonesian UOB earning and airline conversion terms; overseas UOB rates do not apply.",
      "note": "Instalments, cash advances and Cash on Phone do not earn points. Airline conversion ratios and current partner terms still require verification.",
      "url": "https://www.uob.co.id/personal/cards/preferred.page",
      "extra": "https://www.uob.co.id/personal/cards/rewards.page",
      "status": "Indexed from official sources; confirm availability",
      "verified": false,
      "path": "Bank points / check terms",
      "mileageEligible": true,
      "mileageSource": "https://www.uob.co.id/personal/cards/rewards.page",
      "mileageRoute": "Bank points",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "verifiedAt": "2026-10-14",
      "calculatorDisabled": true,
      "earningSource": "https://www.uob.co.id/personal/cards/preferred.page",
      "verificationScope": "Published card fee and earning summary checked; remaining terms are only partially verified.",
      "image": "https://www.uob.co.id/assets/web-resources/images/card-face/card/uob-preferred-card.jpg",
      "imageSource": "https://www.uob.co.id/personal/cards/index.page"
    },
    {
      "id": "uob-indonesia-lady-s-card",
      "country": "ID",
      "issuer": "UOB Indonesia",
      "name": "Lady’s Card",
      "fee": 750000,
      "currency": "IDR",
      "reward": "UOB Points",
      "rate": 0.001,
      "earn": "1 UOB Point per IDR 1,000 other retail purchases; 3 points on fashion, department stores, supermarkets and e-commerce. Extra points capped at 100,000 per customer monthly.",
      "route": "Confirm Indonesian UOB earning and airline conversion terms; overseas UOB rates do not apply.",
      "note": "Airline conversion ratios and current partner terms still require verification. Instalments, cash advances and Cash on Phone do not earn points.",
      "url": "https://www.uob.co.id/personal/cards/ladys.page",
      "extra": "https://www.uob.co.id/personal/cards/rewards.page",
      "status": "Indexed from official sources; confirm availability",
      "verified": false,
      "path": "Bank points / check terms",
      "mileageEligible": true,
      "mileageSource": "https://www.uob.co.id/personal/cards/rewards.page",
      "mileageRoute": "Bank points",
      "firstYearFee": 0,
      "feeWaiver": "After the first year: at least one qualifying purchase of IDR 100,000 every month. Cash advances, instalments and recurring bills do not count.",
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "verifiedAt": "2026-10-14",
      "calculatorDisabled": true,
      "earningSource": "https://www.uob.co.id/personal/cards/ladys.page",
      "verificationScope": "Published card fee and earning summary checked; remaining terms are only partially verified.",
      "image": "https://www.uob.co.id/assets/web-resources/images/card-face/card/uob-ladys-card.jpg",
      "imageSource": "https://www.uob.co.id/personal/cards/index.page"
    },
    {
      "id": "hsbc-indonesia-visa-signature",
      "country": "ID",
      "issuer": "HSBC Indonesia",
      "name": "Visa Signature",
      "fee": 1000000,
      "currency": "IDR",
      "reward": "HSBC Reward Points",
      "rate": 0.0006666666666666666,
      "earn": "1 point / IDR 1,500 eligible ordinary spend",
      "route": "Redeem eligible HSBC points for airline miles; club bonuses and monthly limits apply.",
      "note": "Main card annual fee IDR 1,000,000 per the HSBC Indonesia credit-card rates and fees page. The product page lists first-year and qualifying-customer fee waivers.",
      "url": "https://www.hsbc.co.id/credit-cards/products/visa-signature/",
      "extra": "https://www.hsbc.co.id/en-id/credit-cards/rewards/",
      "status": "Indexed from official sources; confirm availability",
      "verified": true,
      "path": "Bank points / check terms",
      "mileageEligible": true,
      "mileageSource": "https://www.hsbc.co.id/en-id/credit-cards/rewards/",
      "mileageRoute": "Bank points",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "verifiedAt": "2026-10-15",
      "calculatorDisabled": true,
      "image": "https://www.hsbc.co.id/content/dam/hsbc/hbid/images/16-9/18325-hsbc-visa-signature-1600x900.jpg",
      "imageSource": "https://www.hsbc.co.id/credit-cards/products/visa-signature/",
      "feeSource": "https://www.hsbc.co.id/credit-cards/rates-and-fees/"
    },
    {
      "id": "hsbc-indonesia-premier-mastercard",
      "country": "ID",
      "issuer": "HSBC Indonesia",
      "name": "Premier Mastercard",
      "fee": 0,
      "currency": "IDR",
      "reward": "HSBC Reward Points",
      "rate": null,
      "earn": "Earning rate not verified — calculator unavailable",
      "route": "Redeem eligible HSBC points for airline miles; club bonuses and monthly limits apply.",
      "note": "Main card annual fee listed as free (gratis) on the HSBC Indonesia rates and fees page; the product page ties the waiver to a qualifying HSBC Premier relationship balance, salary or home-loan eligibility.",
      "url": "https://www.hsbc.co.id/credit-cards/products/premier-mastercard/",
      "extra": "https://www.hsbc.co.id/en-id/credit-cards/rewards/",
      "status": "Indexed from official sources; confirm availability",
      "verified": false,
      "path": "Bank points / check terms",
      "mileageEligible": true,
      "mileageSource": "https://www.hsbc.co.id/en-id/credit-cards/rewards/",
      "mileageRoute": "Bank points",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "verifiedAt": "2026-10-15",
      "calculatorDisabled": true,
      "image": "https://www.hsbc.co.id/content/dam/hsbc/hbid/images/16-9/18329-hsbc-premier-lion-world-mastercard-1600x900.jpg",
      "imageSource": "https://www.hsbc.co.id/credit-cards/products/premier-mastercard/",
      "feeSource": "https://www.hsbc.co.id/credit-cards/rates-and-fees/"
    },
    {
      "id": "dbs-indonesia-travel-signature",
      "country": "ID",
      "issuer": "DBS Indonesia",
      "name": "Travel Signature",
      "fee": 1000000,
      "currency": "IDR",
      "reward": "digibank mileage",
      "rate": 0.00011111111111111112,
      "earn": "1 Mileage DBS per IDR 9,000 domestic or IDR 6,000 international purchases.",
      "route": "Travel mileage converts 1:1 to selected airlines; Live Fresh uses a different points conversion table.",
      "note": "Bank points and Mileage DBS are separate reward currencies. April 1, 2026 earning revisions apply. Full exclusions and transaction rounding remain unmodeled.",
      "url": "https://www.dbs.id/id/digibank-id/kartu/kartu-digibank/digibank-travel",
      "extra": "https://www.dbs.id/digibank/id/id/kartu/kartu-kredit/poin-rewards-digibank.page",
      "status": "Indexed from official sources; confirm availability",
      "verified": true,
      "path": "Bank points / check terms",
      "mileageEligible": true,
      "mileageSource": "https://www.dbs.id/digibank/id/id/kartu/kartu-kredit/poin-rewards-digibank.page",
      "mileageRoute": "Bank points",
      "firstYearFee": null,
      "feeWaiver": "New cardholders: first-year annual fee waived after any purchase within 60 days of approval. Annual fees can also be redeemed with the applicable points balance.",
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "verifiedAt": "2026-10-14",
      "calculatorDisabled": true,
      "feeSource": "https://www.dbs.id/digibank/id/id/kartu/how-to/tarif-dan-biaya",
      "earningSource": "https://www.dbs.id/digibank/id/id/kartu/kartu-kredit/poin-rewards-digibank.page",
      "verificationScope": "Published card fee and earning summary checked; remaining terms are only partially verified.",
      "image": "https://www.dbs.id/id/iwov-resources/images/kartu/icon-card-digibank-visa-travel-signature.png?cl21",
      "imageSource": "https://www.dbs.id/id/digibank-id/kartu/kartu-digibank/digibank-travel"
    },
    {
      "id": "dbs-indonesia-travel-platinum",
      "country": "ID",
      "issuer": "DBS Indonesia",
      "name": "Travel Platinum",
      "fee": 750000,
      "currency": "IDR",
      "reward": "digibank mileage",
      "rate": 0.00007407407407407407,
      "earn": "From April 1, 2026: 1 Mileage DBS per IDR 13,500 domestic or IDR 10,000 international purchases.",
      "route": "Travel mileage converts 1:1 to selected airlines; Live Fresh uses a different points conversion table.",
      "note": "Bank points and Mileage DBS are separate reward currencies. April 1, 2026 earning revisions apply. Full exclusions and transaction rounding remain unmodeled.",
      "url": "https://www.dbs.id/id/digibank-id/kartu/kartu-digibank/digibank-travel-platinum",
      "extra": "https://www.dbs.id/digibank/id/id/kartu/kartu-kredit/poin-rewards-digibank.page",
      "status": "Indexed from official sources; confirm availability",
      "verified": true,
      "path": "Bank points / check terms",
      "mileageEligible": true,
      "mileageSource": "https://www.dbs.id/digibank/id/id/kartu/kartu-kredit/poin-rewards-digibank.page",
      "mileageRoute": "Bank points",
      "firstYearFee": null,
      "feeWaiver": "New cardholders: first-year annual fee waived after any purchase within 60 days of approval. Annual fees can also be redeemed with the applicable points balance.",
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "verifiedAt": "2026-10-14",
      "calculatorDisabled": true,
      "feeSource": "https://www.dbs.id/digibank/id/id/kartu/how-to/tarif-dan-biaya",
      "earningSource": "https://www.dbs.id/digibank/id/id/kartu/kartu-kredit/poin-rewards-digibank.page",
      "verificationScope": "Published card fee and earning summary checked; remaining terms are only partially verified.",
      "image": "https://www.dbs.id/id/iwov-resources/images/kartu/revamp/icon-card-digibank-visa-travel-platinum.png?cc",
      "imageSource": "https://www.dbs.id/id/digibank-id/kartu/kartu-digibank/digibank-travel-platinum"
    },
    {
      "id": "dbs-indonesia-live-fresh",
      "country": "ID",
      "issuer": "DBS Indonesia",
      "name": "Live Fresh",
      "fee": 400000,
      "currency": "IDR",
      "reward": "digibank Reward Points",
      "rate": 0.00008333333333333333,
      "earn": "From April 1, 2026: 1 DBS Rewards Point per IDR 12,000 domestic or international purchases.",
      "route": "Travel mileage converts 1:1 to selected airlines; Live Fresh uses a different points conversion table.",
      "note": "Bank points and Mileage DBS are separate reward currencies. April 1, 2026 earning revisions apply. Full exclusions and transaction rounding remain unmodeled.",
      "url": "https://www.dbs.id/id/digibank-id/kartu/kartu-digibank/digibank-live-fresh",
      "extra": "https://www.dbs.id/digibank/id/id/kartu/kartu-kredit/poin-rewards-digibank.page",
      "status": "Indexed from official sources; confirm availability",
      "verified": true,
      "path": "Bank points / check terms",
      "mileageEligible": true,
      "mileageSource": "https://www.dbs.id/digibank/id/id/kartu/kartu-kredit/poin-rewards-digibank.page",
      "mileageRoute": "Bank points",
      "firstYearFee": null,
      "feeWaiver": "New cardholders: first-year annual fee waived after any purchase within 60 days of approval. Annual fees can also be redeemed with the applicable points balance.",
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "verifiedAt": "2026-10-14",
      "calculatorDisabled": true,
      "feeSource": "https://www.dbs.id/digibank/id/id/kartu/how-to/tarif-dan-biaya",
      "earningSource": "https://www.dbs.id/digibank/id/id/kartu/kartu-kredit/poin-rewards-digibank.page",
      "verificationScope": "Published card fee and earning summary checked; remaining terms are only partially verified.",
      "image": "https://www.dbs.id/id/iwov-resources/images/kartu/revamp/icon-card-digibank-live-fresh.png?Cl11",
      "imageSource": "https://www.dbs.id/id/digibank-id/kartu/kartu-digibank/digibank-live-fresh"
    },
    {
      "id": "ocbc-indonesia-90-n",
      "country": "ID",
      "issuer": "OCBC Indonesia",
      "name": "90°N",
      "fee": 1000000,
      "currency": "IDR",
      "reward": "Travel Miles",
      "rate": 0.00008333333333333333,
      "earn": "1 Travel Mile per IDR 12,000 domestic or IDR 10,000 foreign-currency purchases.",
      "route": "1 Travel Mile converts to 1 KrisFlyer mile, 1 AirAsia point or 1.05 GarudaMiles; minimums apply.",
      "note": "Travel Miles credited no later than one month after posting; one-year points validity. Transfer minimums and fees are not yet verified.",
      "url": "https://www.ocbc.id/id/90n",
      "extra": null,
      "status": "Indexed from official sources; confirm availability",
      "verified": true,
      "path": "Bank points / check terms",
      "mileageEligible": true,
      "mileageSource": "https://www.ocbc.id/id/90n",
      "mileageRoute": "Bank points",
      "firstYearFee": 0,
      "feeWaiver": "First year waived. Primary card annual fee can be redeemed with 25,000 Travel Miles.",
      "rounding": null,
      "pointsExpiry": "Travel Miles expire one year from earning.",
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [
        "Singapore Airlines KrisFlyer",
        "GarudaMiles",
        "AirAsia rewards"
      ],
      "verifiedAt": "2026-10-14",
      "calculatorDisabled": true,
      "transfers": [
        {
          "program": "GarudaMiles",
          "points": 1,
          "miles": 1.05,
          "minimumPoints": null,
          "increment": null,
          "processing": "Check current OCBC processing"
        },
        {
          "program": "Singapore Airlines KrisFlyer",
          "points": 1,
          "miles": 1,
          "minimumPoints": null,
          "increment": null,
          "processing": "Check current OCBC processing"
        }
      ],
      "eligibility": "Primary cardholder 21–65; Indonesian or foreign citizen; issuer lists minimum annual income of IDR 120,000,000.",
      "verificationScope": "Annual fee, first-year waiver, domestic/foreign earning, points expiry and partner ratios checked; transfer minimums and fees remain unverified.",
      "image": "https://cdn1.ocbc.id/asset/media/Feature/Card/Sticky/kartu-travel-90n_394x192.png?h=192&w=304&rev=-1",
      "imageSource": "https://www.ocbc.id/id/90n"
    },
    {
      "id": "ocbc-indonesia-voyage",
      "country": "ID",
      "issuer": "OCBC Indonesia",
      "name": "Voyage",
      "fee": 8000000,
      "currency": "IDR",
      "reward": "Voyage Miles",
      "rate": 0.00008333333333333333,
      "earn": "1 Voyage Mile per IDR 12,000 eligible retail spend",
      "route": "Confirm current airline conversion ratios and redemption conditions.",
      "note": "Main card annual fee IDR 8,000,000 outside Private and Premier Banking customers, per the official product disclosure PDF; waived if combined card spend reached IDR 300 million in the previous year, and free for Private Banking customers and for Premier Banking customers maintaining the required combined balance. Base earning of 1 Voyage Mile per IDR 12,000 retail spend per the official product disclosure PDF; Voyage Miles expire two years after earning.",
      "url": "https://cdn1.ocbc.id/asset/media/Feature/PDF/individu/riplay/rip-cc-ocbc-voyage_id.pdf?rev=b99f6545b1e84c00b62b725e2b8f2936",
      "extra": null,
      "status": "Indexed from official sources; confirm availability",
      "verified": false,
      "path": "Bank points / check terms",
      "mileageEligible": true,
      "mileageSource": "https://cdn1.ocbc.id/asset/media/Feature/PDF/individu/riplay/rip-cc-ocbc-voyage_id.pdf?rev=b99f6545b1e84c00b62b725e2b8f2936",
      "mileageRoute": "Bank points",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "verifiedAt": "2026-10-15",
      "calculatorDisabled": true,
      "image": "public/assets/cards/ocbc-voyage.jpg",
      "imageSource": "https://cdn1.ocbc.id/asset/media/Feature/PDF/individu/riplay/rip-cc-ocbc-voyage_id.pdf?rev=b99f6545b1e84c00b62b725e2b8f2936",
      "feeSource": "https://cdn1.ocbc.id/asset/media/Feature/PDF/individu/riplay/rip-cc-ocbc-voyage_id.pdf?rev=b99f6545b1e84c00b62b725e2b8f2936",
      "earningSource": "https://cdn1.ocbc.id/asset/media/Feature/PDF/individu/riplay/rip-cc-ocbc-voyage_id.pdf?rev=b99f6545b1e84c00b62b725e2b8f2936"
    },
    {
      "id": "panin-visa-infinite",
      "country": "ID",
      "issuer": "Panin",
      "name": "Visa Infinite",
      "fee": 0,
      "currency": "IDR",
      "reward": "Panin reward points",
      "rate": 0.00012,
      "earn": "3 Panin points per IDR 25,000 eligible spend",
      "route": "Confirm current airline conversion availability and ratios.",
      "note": "Main card annual fee free (IDR 0) per the Panin product page; supplementary card IDR 500,000. Base earning of 3 Panin points per IDR 25,000 per the same page; exclusions, caps and Panin point to airline-mile conversion were not verified.",
      "url": "https://www.panin.co.id/id/product/credit-card/visa-infinite",
      "extra": null,
      "image": "public/assets/cards/panin-visa-infinite.jpg",
      "imageSource": "https://www.panin.co.id/id/product/credit-card/visa-infinite",
      "status": "Indexed from official sources; confirm availability",
      "verified": false,
      "path": "Bank points / check terms",
      "mileageEligible": true,
      "mileageSource": "https://www.panin.co.id/id/product/credit-card/visa-infinite",
      "mileageRoute": "Bank points",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "verifiedAt": "2026-10-15",
      "calculatorDisabled": true,
      "feeSource": "https://www.panin.co.id/id/product/credit-card/visa-infinite",
      "earningSource": "https://www.panin.co.id/id/product/credit-card/visa-infinite"
    },
    {
      "id": "panin-visa-platinum",
      "country": "ID",
      "issuer": "Panin",
      "name": "Visa Platinum",
      "fee": 0,
      "currency": "IDR",
      "reward": "Panin reward points",
      "rate": null,
      "earn": "Earning rate not verified — calculator unavailable",
      "route": "Confirm current airline conversion availability and ratios.",
      "note": "Main card annual fee free (IDR 0) per the Panin product page; supplementary card IDR 150,000. The page does not state a numeric base earning rate, so the rate stays unverified.",
      "url": "https://www.panin.co.id/id/product/credit-card/visa-platinum",
      "extra": null,
      "image": "public/assets/cards/panin-visa-platinum.jpg",
      "imageSource": "https://www.panin.co.id/id/product/credit-card/visa-platinum",
      "status": "Indexed from official sources; confirm availability",
      "verified": false,
      "path": "Bank points / check terms",
      "mileageEligible": true,
      "mileageSource": "https://www.panin.co.id/id/product/credit-card/visa-platinum",
      "mileageRoute": "Bank points",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "verifiedAt": "2026-10-15",
      "calculatorDisabled": true,
      "feeSource": "https://www.panin.co.id/id/product/credit-card/visa-platinum"
    },
    {
      "id": "jenius-visa-credit-card",
      "country": "ID",
      "issuer": "Jenius",
      "name": "Visa Credit Card",
      "fee": 750000,
      "currency": "IDR",
      "reward": "Yay Points",
      "rate": null,
      "earn": "Seed / Plant: 1 Yay Point per IDR 12,000 eligible domestic spend. Higher clubs: 1 per IDR 10,000.",
      "route": "Yay Points transfer in the Jenius app. KrisFlyer and GarudaMiles: one redemption each per month. KrisFlyer ratio depends on Club tier, effective August 1, 2026. Increments and delivery timing need confirmation.",
      "note": "From August 1, 2026: double points for eligible foreign spend or your chosen category; 0% installments excluded. Annual fee waived in year one or with IDR 60 million annual spend. Calculator uses Seed / Plant domestic base rate only.",
      "url": "https://www.jenius.com/pages/yaypoints",
      "extra": "https://www.jenius.com/faq/my-jenius/yay-points",
      "image": "public/assets/cards/jenius-visa-credit-card.png",
      "imageSource": "https://www.jenius.com/pages/yaypoints",
      "status": "Indexed from official sources; confirm availability",
      "verified": true,
      "path": "Bank points / check terms",
      "mileageEligible": true,
      "mileageSource": "https://www.jenius.com/en/faq/kredit/kartu-kredit-jenius",
      "mileageRoute": "Bank points",
      "special": null,
      "feeSource": "https://www.jenius.com/rates-and-limits/",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": "Points are rounded down to the nearest whole Yay Point per transaction.",
      "pointsExpiry": "Yay Points expire two years from earning, on the first day of the following month.",
      "transferMinimum": null,
      "transferFee": "No redemption fee for these airline partners.",
      "processingTime": null,
      "partners": [
        "Singapore Airlines KrisFlyer",
        "GarudaMiles",
        "AirAsia rewards",
        "LinkMiles"
      ],
      "verifiedAt": "2026-10-13",
      "calculatorDisabled": true,
      "transfers": [
        {
          "program": "KrisFlyer — Seed / Plant",
          "points": 50000,
          "miles": 30000,
          "minimumPoints": 50000,
          "increment": null,
          "processing": "Not verified"
        },
        {
          "program": "KrisFlyer — Grow / Nurture / Bloom",
          "points": 40000,
          "miles": 30000,
          "minimumPoints": 40000,
          "increment": null,
          "processing": "Not verified"
        },
        {
          "program": "GarudaMiles",
          "points": 25000,
          "miles": 20000,
          "minimumPoints": 25000,
          "increment": null,
          "processing": "Not verified"
        },
        {
          "program": "LinkMiles",
          "points": 15000,
          "miles": 12500,
          "minimumPoints": 15000,
          "increment": null,
          "processing": "Not verified"
        },
        {
          "program": "AirAsia rewards",
          "points": 10000,
          "miles": 10000,
          "minimumPoints": 10000,
          "increment": null,
          "processing": "Not verified"
        }
      ]
    },
    {
      "id": "permatabank-ultimate-jcb",
      "country": "ID",
      "issuer": "PermataBank",
      "name": "Ultimate JCB",
      "fee": null,
      "currency": "IDR",
      "reward": "Permata Reward Points",
      "rate": null,
      "earn": "Earning rate not verified — calculator unavailable",
      "route": "Historical official product guide. Current 2026 earning and conversion terms require reconfirmation.",
      "note": "Recurring fee not verified.",
      "url": "https://www.permatabank.com/sites/default/files/2025-02/FA_Permata%20Ultimate%20Card%20E%20Welcome%20Pack.pdf",
      "extra": null,
      "status": "Historical guide; current terms unverified",
      "verified": false,
      "path": "Bank points / check terms",
      "mileageEligible": true,
      "mileageSource": "https://www.permatabank.com/sites/default/files/2025-02/FA_Permata%20Ultimate%20Card%20E%20Welcome%20Pack.pdf",
      "mileageRoute": "Bank points",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "verifiedAt": null,
      "calculatorDisabled": true,
      "image": "public/assets/cards/permata-ultimate-jcb.jpg",
      "imageSource": "https://www.id.jcb/id/products/cards/"
    },
    {
      "id": "bank-sinarmas-red-diamond-visa-infinite",
      "country": "ID",
      "issuer": "Bank Sinarmas",
      "name": "Red Diamond Visa Infinite",
      "fee": 1500000,
      "currency": "IDR",
      "reward": "Reward points",
      "rate": null,
      "earn": "1 point per IDR 10,000 domestic / IDR 7,500 foreign spend; monthly point cap applies.",
      "route": "20,000 points → 20,000 KrisFlyer miles or GarudaMiles; IDR 25,000 redemption fee.",
      "note": "Maximum 50,000 earned points per billing cycle including bonuses; maximum 100,000 points redeemed monthly. Points expire after two years. Annual fee waiver conditions apply. Calculator disabled because of earning caps.",
      "url": "https://www.banksinarmas.com/id/personal/produk/kartukredit",
      "extra": "https://www.banksinarmas.com/id/informasi/kebijakan-kartu-kredit",
      "status": "Indexed from official sources; confirm availability",
      "verified": false,
      "path": "Bank points / check terms",
      "mileageEligible": true,
      "mileageSource": "https://www.banksinarmas.com/id/informasi/kebijakan-kartu-kredit",
      "mileageRoute": "Bank points",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "verifiedAt": null,
      "calculatorDisabled": true,
      "image": "https://www.banksinarmas.com/id/public/upload/images/68e4be35f03f3_red-diamond.png",
      "imageSource": "https://www.banksinarmas.com/id/personal/produk/kartukredit"
    },
    {
      "id": "mayapada-signature",
      "country": "ID",
      "issuer": "Bank Mayapada",
      "name": "myCREDITCARD Signature",
      "fee": 750000,
      "currency": "IDR",
      "reward": "myREWARDS points",
      "rate": 0.002,
      "earn": "1 myREWARDS point per IDR 500 eligible spend.",
      "route": "Redeem myREWARDS points for miles through the official rewards catalog. Check available airlines and conversion ratios before transferring.",
      "eligibility": "Minimum annual income IDR 36 million; primary card applicants aged 21–65. Issuer approval applies.",
      "note": "Points are not airline miles. The calculator estimates bank points only; current airline conversion ratios are not verified.",
      "url": "https://www.bankmayapada.com/id/produk/pinjaman/mycreditcard",
      "extra": "https://myrewards.bankmayapada.id/earn.aspx",
      "status": "Official product listing; confirm application availability",
      "verified": true,
      "path": "Bank points",
      "mileageEligible": true,
      "mileageRoute": "Bank points",
      "mileageSource": "https://www.bankmayapada.com/id/produk/pinjaman/mycreditcard",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "verifiedAt": null,
      "calculatorDisabled": true,
      "image": "public/assets/cards/mayapada-signature.png",
      "imageSource": "https://www.bankmayapada.com/id/produk/pinjaman/mycreditcard"
    },
    {
      "id": "mayapada-platinum",
      "country": "ID",
      "issuer": "Bank Mayapada",
      "name": "myCREDITCARD Platinum",
      "fee": 600000,
      "currency": "IDR",
      "reward": "myREWARDS points",
      "rate": 0.002,
      "earn": "1 myREWARDS point per IDR 500 eligible spend.",
      "route": "Redeem myREWARDS points for miles through the official rewards catalog. Check available airlines and conversion ratios before transferring.",
      "eligibility": "Minimum annual income IDR 36 million; primary card applicants aged 21–65. Issuer approval applies.",
      "note": "Points are not airline miles. The calculator estimates bank points only; current airline conversion ratios are not verified.",
      "url": "https://www.bankmayapada.com/id/produk/pinjaman/mycreditcard",
      "extra": "https://myrewards.bankmayapada.id/earn.aspx",
      "status": "Official product listing; confirm application availability",
      "verified": true,
      "path": "Bank points",
      "mileageEligible": true,
      "mileageRoute": "Bank points",
      "mileageSource": "https://www.bankmayapada.com/id/produk/pinjaman/mycreditcard",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "verifiedAt": null,
      "calculatorDisabled": true,
      "image": "public/assets/cards/mayapada-platinum.png",
      "imageSource": "https://www.bankmayapada.com/id/produk/pinjaman/mycreditcard"
    },
    {
      "id": "mayapada-gold",
      "country": "ID",
      "issuer": "Bank Mayapada",
      "name": "myCREDITCARD Gold",
      "fee": 300000,
      "currency": "IDR",
      "reward": "myREWARDS points",
      "rate": 0.002,
      "earn": "1 myREWARDS point per IDR 500 eligible spend.",
      "route": "Redeem myREWARDS points for miles through the official rewards catalog. Check available airlines and conversion ratios before transferring.",
      "eligibility": "Minimum annual income IDR 36 million; primary card applicants aged 21–65. Issuer approval applies.",
      "note": "Points are not airline miles. The calculator estimates bank points only; current airline conversion ratios are not verified.",
      "url": "https://www.bankmayapada.com/id/produk/pinjaman/mycreditcard",
      "extra": "https://myrewards.bankmayapada.id/earn.aspx",
      "status": "Official product listing; confirm application availability",
      "verified": true,
      "path": "Bank points",
      "mileageEligible": true,
      "mileageRoute": "Bank points",
      "mileageSource": "https://www.bankmayapada.com/id/produk/pinjaman/mycreditcard",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "verifiedAt": null,
      "calculatorDisabled": true,
      "image": "public/assets/cards/mayapada-gold.png",
      "imageSource": "https://www.bankmayapada.com/id/produk/pinjaman/mycreditcard"
    },
    {
      "id": "mnc-citilink-visa",
      "country": "ID",
      "issuer": "MNC Bank",
      "name": "Citilink Visa Card",
      "fee": 300000,
      "currency": "IDR",
      "reward": "LinkMiles",
      "rate": null,
      "earn": "Conditional LinkMiles earning on eligible retail purchases; minimum monthly spend applies.",
      "route": "Eligible miles are credited to your Citilink LinkMiles account.",
      "note": "Minimum eligible monthly spend IDR 2.5 million, increasing to IDR 5 million from November 1, 2026. Offline purchases and specified categories excluded. Maximum 10,000 miles monthly. First three years annual fee waived. Base earning rate needs current confirmation.",
      "url": "https://mncbank.co.id/en/individu/kartu-kredit/kartu-kredit-co-branding/mnc-bank-citilink-visa-card",
      "extra": null,
      "status": "Official product listing; confirm application availability",
      "verified": false,
      "path": "Direct miles",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "mileageSource": "https://mncbank.co.id/en/individu/kartu-kredit/kartu-kredit-co-branding/mnc-bank-citilink-visa-card",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "verifiedAt": null,
      "calculatorDisabled": true,
      "image": "public/assets/cards/mnc-citilink-visa.webp",
      "imageSource": "https://mncbank.co.id/en/individu/kartu-kredit/kartu-kredit-co-branding/mnc-bank-citilink-visa-card"
    },
    {
      "id": "swiss-classic",
      "country": "CH",
      "issuer": "Swisscard",
      "name": "SWISS Miles & More Classic duo",
      "fee": 120,
      "currency": "CHF",
      "reward": "Miles & More miles",
      "rate": 0.75,
      "earn": "Amex: 1.5 miles / CHF 2; Visa or Mastercard: 0.6 / CHF 2",
      "special": [
        [
          "Visa / Mastercard purchases",
          0.3
        ]
      ],
      "route": "Co-brand miles credited to Miles & More. No transferable bank-point balance. Confirm posting dates with Swisscard.",
      "note": "Enter Amex purchases as ordinary spend and companion-card purchases separately. Eligible monthly use can protect miles from expiry, subject to terms.",
      "url": "https://www.miles-and-more-cards.ch/en/private-customers/credit-cards/classic",
      "extra": "https://www.swisscard.ch/dam/jcr%3Ad01070d1-ed3f-4f4a-9a50-bf203c74f133/leistungsuebersicht-swiss-miles-and-more-classic-americanexpress-visa-de.pdf",
      "image": "public/assets/cards/swiss-classic.jpg",
      "imageSource": "https://www.miles-and-more-cards.ch/en/private-customers/credit-cards/classic",
      "imageOriginal": "https://www.miles-and-more-cards.ch/.imaging/flex/jcr:0f567a2c-8182-4441-b722-c46151de0610/hash/1909707744/ratio/16:9/version/1774019890/width/560/swiss-miles-and-more-classic-stagestatic.jpg",
      "status": "Indexed from official sources; confirm availability",
      "verified": true,
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "mileageSource": "https://www.swisscard.ch/dam/jcr%3Ad01070d1-ed3f-4f4a-9a50-bf203c74f133/leistungsuebersicht-swiss-miles-and-more-classic-americanexpress-visa-de.pdf",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "verifiedAt": null,
      "calculatorDisabled": true
    },
    {
      "id": "swiss-goldplus",
      "country": "CH",
      "issuer": "Swisscard",
      "name": "SWISS Miles & More Gold Plus duo",
      "fee": 300,
      "currency": "CHF",
      "reward": "Miles & More miles",
      "rate": 1,
      "earn": "Amex: 2 miles / CHF 2; companion-card rate not included",
      "route": "Co-brand miles credited to Miles & More. Confirm posting schedule and companion-card earning with Swisscard.",
      "eligibility": "This is a product for status customers. Confirm the required frequent-flyer status, residency and application conditions with Swisscard.",
      "note": "Calculator covers eligible Amex purchases only. Do not enter companion-card spending.",
      "url": "https://www.miles-and-more-cards.ch/de/privatkunden/kreditkarten/kreditkarten-fuer-statuskunden/gold-plus",
      "image": "public/assets/cards/swiss-goldplus.jpg",
      "imageSource": "https://www.miles-and-more-cards.ch/de/privatkunden/kreditkarten/kreditkarten-fuer-statuskunden/gold-plus",
      "imageOriginal": "https://www.miles-and-more-cards.ch/.imaging/flex/jcr:dd19f4d5-d6c6-46f1-977a-20828e1a0333/hash/2050146716/ratio/16:9/version/1773323704/width/560/swiss-miles-and-more-gold-plus-stagestatic.jpg",
      "status": "Indexed from official sources; confirm availability",
      "verified": true,
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "mileageSource": "https://www.miles-and-more-cards.ch/de/privatkunden/kreditkarten/kreditkarten-fuer-statuskunden/gold-plus",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "verifiedAt": null,
      "calculatorDisabled": true
    },
    {
      "id": "swiss-gold",
      "country": "CH",
      "issuer": "Swisscard",
      "name": "SWISS Miles & More Gold duo",
      "fee": 220,
      "currency": "CHF",
      "reward": "Miles & More miles",
      "rate": 1,
      "earn": "1 Miles & More miles per CHF 1 eligible base spend.",
      "route": "Miles credit to your linked airline loyalty account.",
      "note": "Standard annual fee CHF 220. Base field describes American Express earning; the companion Visa or Mastercard has a separate rate.",
      "url": "https://www.miles-and-more-cards.ch/en/private-customers/credit-cards/gold",
      "extra": "https://www.miles-and-more-cards.ch/dam/jcr%3Aee9033b5-03f6-48aa-9140-2f1393263105/leistungsuebersicht-swiss-miles-and-more-cards-plus-en.pdf",
      "status": "Official product listing; confirm application availability",
      "verified": true,
      "path": "Direct miles",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "mileageSource": "https://www.miles-and-more-cards.ch/en/private-customers/credit-cards/gold",
      "type": "Credit card package",
      "special": [
        [
          "Visa / Mastercard purchases",
          0.4
        ]
      ],
      "eligibility": "Swiss issuer residency, age, income and credit checks apply. Confirm Swiss or Liechtenstein residence requirements.",
      "ordinaryLabel": "American Express purchases",
      "image": "https://www.miles-and-more-cards.ch/.imaging/flex/jcr%3Ac8873a4c-09cf-42d8-a20c-403c0117ae44/hash/-550420432/ratio/16%3A9/version/1774019983/width/560/swiss-miles-and-more-gold-stagestatic.jpg",
      "imageSource": "https://www.miles-and-more-cards.ch/en/private-customers/credit-cards/gold",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "verifiedAt": "2026-10-13",
      "calculatorDisabled": true
    },
    {
      "id": "swiss-platinum",
      "country": "CH",
      "issuer": "Swisscard",
      "name": "SWISS Miles & More Platinum duo",
      "fee": 750,
      "currency": "CHF",
      "reward": "Miles & More miles",
      "rate": 1.2,
      "earn": "1.2 Miles & More miles per CHF 1 eligible base spend.",
      "route": "Miles credit to your linked airline loyalty account.",
      "note": "Standard annual fee CHF 750. Base field describes American Express earning; the companion Visa or Mastercard has a separate rate.",
      "url": "https://www.miles-and-more-cards.ch/en/private-customers/credit-cards/platinum",
      "extra": "https://www.miles-and-more-cards.ch/dam/jcr%3Aee9033b5-03f6-48aa-9140-2f1393263105/leistungsuebersicht-swiss-miles-and-more-cards-plus-en.pdf",
      "status": "Official product listing; confirm application availability",
      "verified": true,
      "path": "Direct miles",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "mileageSource": "https://www.miles-and-more-cards.ch/en/private-customers/credit-cards/platinum",
      "type": "Credit card package",
      "special": [
        [
          "Visa / Mastercard purchases",
          0.5
        ]
      ],
      "eligibility": "Swiss issuer residency, age, income and credit checks apply. Confirm Swiss or Liechtenstein residence requirements.",
      "ordinaryLabel": "American Express purchases",
      "image": "https://www.miles-and-more-cards.ch/.imaging/flex/jcr%3A4aa02604-2db6-43bf-8707-011c15707e74/hash/-1880778067/ratio/16%3A9/version/1774019999/width/560/swiss-miles-and-more-platinum-stagestatic.jpg",
      "imageSource": "https://www.miles-and-more-cards.ch/en/private-customers/credit-cards/platinum",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "verifiedAt": "2026-10-13",
      "calculatorDisabled": true
    },
    {
      "id": "corner-mm-classic",
      "country": "CH",
      "issuer": "Cornèrcard",
      "name": "Miles & More Classic combo",
      "fee": 140,
      "currency": "CHF",
      "reward": "Miles & More miles",
      "rate": 0.5,
      "earn": "Visa: 1 mile per CHF 2; Diners Club: 2 miles per CHF 2 eligible spend.",
      "route": "Cornèrcard purchases earn Miles & More miles directly; the Diners Club companion card has a separate earning schedule.",
      "note": "Standard annual fee CHF 140; current first-year offer CHF 70. Calculator uses the Visa rate only; Diners Club earns 1 mile per CHF 1.",
      "url": "https://www.cornercard.ch/en/tntlandingpages/milesundmore/index.html?bop=1&cid=1714",
      "extra": "https://www-p1-s.cornercard.ch/export/sites/cornercardCH2020/downloads/products_promotions/legal-mm-1wawe26-en.pdf",
      "status": "Official product listing; confirm application availability",
      "verified": true,
      "path": "Direct miles",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "mileageSource": "https://www.cornercard.ch/en/tntlandingpages/milesundmore/index.html?bop=1&cid=1714",
      "type": "Credit card package",
      "special": [],
      "eligibility": "Swiss issuer residency, age, income and credit checks apply. Confirm Swiss or Liechtenstein residence requirements.",
      "firstYearFee": 70,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": "Miles remain valid subject to qualifying monthly card use and the issuer programme conditions.",
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "verifiedAt": "2026-10-13",
      "calculatorDisabled": true,
      "image": "public/assets/cards/corner-mm-classic.png",
      "imageSource": "https://www.cornercard.ch/en/tntlandingpages/milesundmore/index.html?bop=1&cid=1714",
      "imageOriginal": "https://www.cornercard.ch/export/sites/cornercardCH2020/de/tntlandingpages/milesundmore/experienceAS/assets/img/cards/cc-mm-classic.png"
    },
    {
      "id": "corner-mm-gold",
      "country": "CH",
      "issuer": "Cornèrcard",
      "name": "Miles & More Gold combo",
      "fee": 220,
      "currency": "CHF",
      "reward": "Miles & More miles",
      "rate": 0.6,
      "earn": "Visa: 1.2 miles per CHF 2; Diners Club: 2 miles per CHF 2 eligible spend.",
      "route": "Cornèrcard purchases earn Miles & More miles directly; the Diners Club companion card has a separate earning schedule.",
      "note": "Standard annual fee CHF 220; current first-year offer CHF 110. Calculator uses the Visa rate only; Diners Club earns 1 mile per CHF 1.",
      "url": "https://www.cornercard.ch/en/tntlandingpages/milesundmore/index.html?bop=1&cid=1714",
      "extra": "https://www-p1-s.cornercard.ch/export/sites/cornercardCH2020/downloads/products_promotions/legal-mm-1wawe26-en.pdf",
      "status": "Official product listing; confirm application availability",
      "verified": true,
      "path": "Direct miles",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "mileageSource": "https://www.cornercard.ch/en/tntlandingpages/milesundmore/index.html?bop=1&cid=1714",
      "type": "Credit card package",
      "special": [],
      "eligibility": "Swiss issuer residency, age, income and credit checks apply. Confirm Swiss or Liechtenstein residence requirements.",
      "firstYearFee": 110,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": "Miles remain valid subject to qualifying monthly card use and the issuer programme conditions.",
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "verifiedAt": "2026-10-13",
      "calculatorDisabled": true,
      "image": "public/assets/cards/corner-mm-gold.png",
      "imageSource": "https://www.cornercard.ch/en/tntlandingpages/milesundmore/index.html?bop=1&cid=1714",
      "imageOriginal": "https://www.cornercard.ch/export/sites/cornercardCH2020/de/tntlandingpages/milesundmore/experienceAS/assets/img/cards/cc-mm-gold.png"
    },
    {
      "id": "corner-mm-platinum",
      "country": "CH",
      "issuer": "Cornèrcard",
      "name": "Miles & More Platinum combo",
      "fee": 750,
      "currency": "CHF",
      "reward": "Miles & More miles",
      "rate": null,
      "earn": "Visa: 1.5 miles per CHF 2; Diners Club: 2.4 miles per CHF 2 eligible spend.",
      "route": "Earns Miles & More miles directly through the paired-card package.",
      "note": "Calculator disabled because the two cards in the combo have different earning rates.",
      "url": "https://www.cornercard.ch/en/tntlandingpages/milesundmore/index.html?bop=1&cid=1714",
      "status": "Official product indexed; confirm current terms before applying",
      "verified": true,
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "mileageSource": "https://www.cornercard.ch/en/tntlandingpages/milesundmore/index.html?bop=1&cid=1714",
      "type": "Personal credit-card combo",
      "eligibility": "Swiss issuer eligibility, identification and credit checks apply.",
      "image": "public/assets/cards/corner-mm-platinum.png",
      "imageSource": "https://www.cornercard.ch/en/tntlandingpages/milesundmore/index.html?bop=1&cid=1714",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": "Miles remain valid subject to qualifying monthly card use and the issuer programme conditions.",
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "verifiedAt": "2026-10-13",
      "calculatorDisabled": true,
      "imageOriginal": "https://www.cornercard.ch/export/sites/cornercardCH2020/de/tntlandingpages/milesundmore/experienceAS/assets/img/cards/cc-mm-platinum.png"
    },
    {
      "id": "amex-ch-gold",
      "country": "CH",
      "issuer": "American Express / Swisscard",
      "name": "American Express Gold Card",
      "fee": 350,
      "currency": "CHF",
      "reward": "Membership Rewards points",
      "rate": 1,
      "earn": "1 Membership Rewards point per CHF 1 eligible spend.",
      "route": "Transfer eligible Swiss Membership Rewards points to participating airline programs.",
      "note": "Standard annual fee CHF 350; temporary welcome offers excluded.",
      "url": "https://www.americanexpress.ch/en/cards/private-customers-cards/gold-card",
      "status": "Official product indexed; confirm current terms before applying",
      "verified": true,
      "mileageEligible": true,
      "mileageRoute": "Bank points",
      "mileageSource": "https://www.americanexpress.ch/en/magazine/benefits/american-express-flight-miles",
      "type": "Personal charge card",
      "eligibility": "Swiss residence, eligible income and Swisscard underwriting requirements apply.",
      "image": "public/assets/cards/amex-ch-gold.jpg",
      "imageSource": "https://www.americanexpress.ch/en/cards/private-customers-cards/gold-card",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": "Points do not expire while the eligible card and Membership Rewards account remain active.",
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [
        "Miles & More",
        "British Airways Club",
        "Flying Blue",
        "Etihad Guest",
        "Delta SkyMiles"
      ],
      "verifiedAt": "2026-10-14",
      "calculatorDisabled": true,
      "extra": "https://www.americanexpress.ch/dam/jcr%3A7a94a4ac-fe45-49bf-8d4a-08929d3a4dbf/leistungsuebersicht-americanexpress-gold-card-de.pdf",
      "programIds": [
        "milesmore",
        "ba",
        "flyingblue"
      ],
      "verificationScope": "Swiss personal-card airline partner list checked. Partner-specific ratios, minimums and timing require review; no generic 2:1 ratio assumed.",
      "imageOriginal": "https://www.americanexpress.ch/.imaging/flex/jcr:1b1dd7ed-425a-4cae-b2d8-45ee5545cd25/hash/-396905766/ratio/16:9/version/1691043427/width/860/americanexpress-gold-stagestatic.jpg"
    },
    {
      "id": "amex-ch-platinum",
      "country": "CH",
      "issuer": "American Express / Swisscard",
      "name": "American Express Platinum Card",
      "fee": 900,
      "currency": "CHF",
      "reward": "Membership Rewards points",
      "rate": 1,
      "earn": "1 Membership Rewards point per CHF 1 eligible spend.",
      "route": "Transfer eligible Swiss Membership Rewards points to participating airline programs.",
      "note": "Standard annual fee CHF 900; temporary welcome offers excluded.",
      "url": "https://www.americanexpress.ch/en/cards/private-customers-cards/platinum-card",
      "status": "Official product indexed; confirm current terms before applying",
      "verified": true,
      "mileageEligible": true,
      "mileageRoute": "Bank points",
      "mileageSource": "https://www.americanexpress.ch/en/magazine/benefits/american-express-flight-miles",
      "type": "Personal charge card",
      "eligibility": "Swiss residence, eligible income and Swisscard underwriting requirements apply.",
      "image": "public/assets/cards/amex-ch-platinum.jpg",
      "imageSource": "https://www.americanexpress.ch/en/cards/private-customers-cards/platinum-card",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": "Points do not expire while the eligible card and Membership Rewards account remain active.",
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [
        "Miles & More",
        "British Airways Club",
        "Flying Blue",
        "Etihad Guest",
        "Delta SkyMiles"
      ],
      "verifiedAt": "2026-10-14",
      "calculatorDisabled": true,
      "extra": "https://www.americanexpress.ch/dam/jcr%3Aa429f74b-2802-494c-befe-ca8295af7227/leistungsuebersicht-americanexpress-platinum-card-de.pdf",
      "programIds": [
        "milesmore",
        "ba",
        "flyingblue"
      ],
      "verificationScope": "Swiss personal-card airline partner list checked. Partner-specific ratios, minimums and timing require review; no generic 2:1 ratio assumed.",
      "imageOriginal": "https://www.americanexpress.ch/.imaging/flex/jcr:a5ca0ed5-2487-4d6e-9f44-d5eff448d83e/hash/1347840441/ratio/16:9/version/1748331899/width/860/american-express-platinum-stagestatic.jpg"
    },
    {
      "id": "business-easy-gold",
      "country": "CH",
      "issuer": "Swisscard",
      "name": "Business Easy Gold Card Package",
      "fee": 200,
      "currency": "CHF",
      "reward": "Membership Rewards points",
      "rate": 1,
      "earn": "1 Membership Rewards point per CHF 1 eligible business spend.",
      "route": "Only the American Express card earns Membership Rewards, at 1 point per CHF 1; its points convert to Miles & More at 2:1. The companion Mastercard does not earn Membership Rewards.",
      "note": "First year CHF 0, then CHF 200 per year.",
      "url": "https://www.swisscard.ch/en/business-customers/business-cards/card-overview/business-easy-gold-card-package",
      "status": "Official product indexed; confirm current terms before applying",
      "verified": true,
      "mileageEligible": true,
      "mileageRoute": "Bank points",
      "mileageSource": "https://www.swisscard.ch/dam/jcr:2fc2cdbb-6a6a-4291-bb47-c0183a6cb6cd/factsheet-business-easy-silver-gold-fr.pdf",
      "type": "Business credit-card package",
      "eligibility": "Requires the qualifying Business Easy or Startup Easy bank package. Confirm present UBS/Swisscard package availability before applying.",
      "image": null,
      "imageSource": null,
      "firstYearFee": 0,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [
        "Miles & More"
      ],
      "verifiedAt": "2026-10-14",
      "calculatorDisabled": true,
      "transfers": [
        {
          "program": "Miles & More",
          "points": 2,
          "miles": 1,
          "minimumPoints": null,
          "increment": null,
          "processing": null,
          "source": "https://www.swisscard.ch/dam/jcr:2fc2cdbb-6a6a-4291-bb47-c0183a6cb6cd/factsheet-business-easy-silver-gold-fr.pdf"
        }
      ],
      "programIds": [
        "milesmore"
      ],
      "verificationScope": "Package-specific points and Miles & More conversion checked in the issuer factsheet. Banking-package pricing and current onboarding availability still require confirmation."
    },
    {
      "id": "af-silver",
      "country": "FR",
      "issuer": "American Express",
      "name": "AIR FRANCE KLM – AMEX Silver",
      "fee": 0,
      "currency": "EUR",
      "reward": "Flying Blue miles",
      "rate": 0.5,
      "earn": "5 miles / EUR 10 ordinary spend",
      "special": [
        [
          "Air France, KLM, Transavia & Hertz",
          1
        ]
      ],
      "type": "Deferred-debit payment card",
      "route": "Earns Flying Blue miles directly; no Membership Rewards conversion. Confirm statement posting times with Amex.",
      "note": "Issuer currently advertises no annual membership fee. Welcome bonuses excluded.",
      "url": "https://www.americanexpress.com/fr-fr/carte-de-paiement/airfrance-klm-americanexpress-silver/",
      "image": "public/assets/cards/af-silver.webp",
      "imageSource": "https://www.americanexpress.com/fr-fr/carte-de-paiement/airfrance-klm-americanexpress-silver/",
      "imageOriginal": "https://icm.aexp-static.com/Internet/internationalcardshop/fr_fr/images/cards/airfrance-klm-americanexpress-silver.png",
      "status": "Indexed from official sources; confirm availability",
      "verified": true,
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "mileageSource": "https://www.americanexpress.com/fr-fr/carte-de-paiement/airfrance-klm-americanexpress-silver/",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "verifiedAt": null,
      "calculatorDisabled": true
    },
    {
      "id": "af-gold",
      "country": "FR",
      "issuer": "American Express",
      "name": "AIR FRANCE KLM – AMEX Gold",
      "fee": 252,
      "currency": "EUR",
      "reward": "Flying Blue miles",
      "rate": 1,
      "earn": "10 miles / EUR 10 ordinary spend",
      "special": [
        [
          "Air France, KLM, Transavia & Hertz",
          1.5
        ]
      ],
      "type": "Deferred-debit payment card",
      "route": "Earns Flying Blue miles directly; no Membership Rewards conversion. Confirm statement posting times with Amex.",
      "note": "EUR 21/month after the advertised free first year. Annual figure reflects the recurring fee; welcome bonuses excluded.",
      "url": "https://www.americanexpress.com/fr-fr/carte-de-paiement/airfrance-klm-americanexpress-gold/",
      "image": "public/assets/cards/af-gold.webp",
      "imageSource": "https://www.americanexpress.com/fr-fr/carte-de-paiement/airfrance-klm-americanexpress-gold/",
      "imageOriginal": "https://icm.aexp-static.com/Internet/internationalcardshop/fr_fr/images/cards/airfrance-klm-americanexpress-gold.png",
      "status": "Indexed from official sources; confirm availability",
      "verified": true,
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "mileageSource": "https://www.americanexpress.com/fr-fr/carte-de-paiement/airfrance-klm-americanexpress-gold/",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "verifiedAt": null,
      "calculatorDisabled": true
    },
    {
      "id": "af-platinum",
      "country": "FR",
      "issuer": "American Express",
      "name": "AIR FRANCE KLM – AMEX Platinum",
      "fee": 792,
      "currency": "EUR",
      "reward": "Flying Blue miles",
      "rate": 1.3,
      "earn": "1.3 Flying Blue miles per EUR 1 eligible base spend.",
      "route": "Miles credit to your linked airline loyalty account.",
      "note": "EUR 66 monthly fee annualized. Full balance collected monthly. Eligible partner spend earns 30 miles per EUR 10; ordinary eligible spend earns 13 per EUR 10. Verify transaction rounding.",
      "url": "https://www.americanexpress.com/fr-fr/carte-de-paiement/airfrance-klm-americanexpress-platinum/",
      "extra": null,
      "status": "Official product listing; confirm application availability",
      "verified": true,
      "path": "Direct miles",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "mileageSource": "https://www.americanexpress.com/fr-fr/carte-de-paiement/airfrance-klm-americanexpress-platinum/",
      "type": "Deferred-debit card",
      "special": [
        [
          "Eligible Air France, KLM, Transavia and Hertz purchases",
          3
        ]
      ],
      "eligibility": "Adult applicant with a personal SEPA bank account; French issuer eligibility and Banque de France checks apply. Deferred-debit balances must be repaid in full.",
      "image": "https://icm.aexp-static.com/Internet/internationalcardshop/fr_fr/images/cards/airfrance-klm-americanexpress-platinum.png",
      "imageSource": "https://www.americanexpress.com/fr-fr/carte-de-paiement/airfrance-klm-americanexpress-platinum/",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "verifiedAt": null,
      "calculatorDisabled": true
    },
    {
      "id": "amex-fr-green",
      "country": "FR",
      "issuer": "American Express",
      "name": "Green Card",
      "fee": 95,
      "currency": "EUR",
      "reward": "Membership Rewards points",
      "rate": 1,
      "earn": "1 Membership Rewards points per EUR 1 eligible base spend.",
      "route": "Transfer enrolled Membership Rewards points to the French programme partners listed below. Link your own partner account first. Transfers are final; ratios are specific to France.",
      "note": "1 Membership Rewards point per eligible euro. Airline transfers use France-specific ratios. Full monthly repayment. Gold EUR 21/month and Platinum EUR 59/month annualized; introductory waivers excluded.",
      "url": "https://www.americanexpress.com/fr-fr/carte-de-paiement/carte-green-americanexpress/",
      "extra": "https://www.americanexpress.com/fr/benefices/membership-rewards/transfert-points-voyage.html",
      "status": "Official product listing; confirm application availability",
      "verified": true,
      "path": "Bank points",
      "mileageEligible": true,
      "mileageRoute": "Bank points",
      "mileageSource": "https://www.americanexpress.com/fr/benefices/membership-rewards/transfert-points-voyage.html",
      "type": "Deferred-debit card",
      "special": [],
      "eligibility": "Adult applicant with a personal SEPA bank account; French issuer eligibility and Banque de France checks apply. Deferred-debit balances must be repaid in full.",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": "Normally 3 working days; KrisFlyer 10–15 working days, after account registration.",
      "partners": [
        "Cathay",
        "British Airways Club",
        "Delta SkyMiles",
        "Emirates Skywards",
        "Finnair Plus",
        "Flying Blue",
        "Iberia Club",
        "Qatar Airways Privilege Club",
        "SAS EuroBonus",
        "KrisFlyer"
      ],
      "verifiedAt": "2026-10-14",
      "calculatorDisabled": true,
      "transfers": [
        {
          "program": "Cathay",
          "points": 5,
          "miles": 4,
          "minimumPoints": null,
          "increment": null,
          "processing": "About 3 working days",
          "source": "https://www.americanexpress.com/fr/benefices/membership-rewards/transfert-points-voyage.html"
        },
        {
          "program": "British Airways Club",
          "points": 5,
          "miles": 4,
          "minimumPoints": null,
          "increment": null,
          "processing": "About 3 working days",
          "source": "https://www.americanexpress.com/fr/benefices/membership-rewards/transfert-points-voyage.html"
        },
        {
          "program": "Delta SkyMiles",
          "points": 1,
          "miles": 1,
          "minimumPoints": null,
          "increment": null,
          "processing": "About 3 working days",
          "source": "https://www.americanexpress.com/fr/benefices/membership-rewards/transfert-points-voyage.html"
        },
        {
          "program": "Emirates Skywards",
          "points": 2,
          "miles": 1,
          "minimumPoints": null,
          "increment": null,
          "processing": "About 3 working days",
          "source": "https://www.americanexpress.com/fr/benefices/membership-rewards/transfert-points-voyage.html"
        },
        {
          "program": "Finnair Plus",
          "points": 5,
          "miles": 4,
          "minimumPoints": null,
          "increment": null,
          "processing": "About 3 working days",
          "source": "https://www.americanexpress.com/fr/benefices/membership-rewards/transfert-points-voyage.html"
        },
        {
          "program": "Flying Blue",
          "points": 5,
          "miles": 4,
          "minimumPoints": null,
          "increment": null,
          "processing": "About 3 working days",
          "source": "https://www.americanexpress.com/fr/benefices/membership-rewards/transfert-points-voyage.html"
        },
        {
          "program": "Iberia Club",
          "points": 5,
          "miles": 4,
          "minimumPoints": null,
          "increment": null,
          "processing": "About 3 working days",
          "source": "https://www.americanexpress.com/fr/benefices/membership-rewards/transfert-points-voyage.html"
        },
        {
          "program": "Qatar Airways Privilege Club",
          "points": 6,
          "miles": 5,
          "minimumPoints": null,
          "increment": null,
          "processing": "About 3 working days",
          "source": "https://www.americanexpress.com/fr/benefices/membership-rewards/transfert-points-voyage.html"
        },
        {
          "program": "SAS EuroBonus",
          "points": 5,
          "miles": 4,
          "minimumPoints": null,
          "increment": null,
          "processing": "About 3 working days",
          "source": "https://www.americanexpress.com/fr/benefices/membership-rewards/transfert-points-voyage.html"
        },
        {
          "program": "KrisFlyer",
          "points": 5,
          "miles": 4,
          "minimumPoints": null,
          "increment": null,
          "processing": "10–15 working days",
          "source": "https://www.americanexpress.com/fr/benefices/membership-rewards/transfert-points-voyage.html"
        }
      ],
      "programIds": [
        "ba",
        "cathay",
        "flyingblue",
        "qatar",
        "krisflyer"
      ],
      "verificationScope": "France-specific published airline ratios and processing estimates checked. Minimum transfers, fees and full card conditions remain partially verified.",
      "image": "public/assets/cards/amex-fr-green.png",
      "imageSource": "https://www.americanexpress.com/fr-fr/carte-de-paiement/carte-green-americanexpress/",
      "imageOriginal": "https://icm.aexp-static.com/Internet/internationalcardshop/fr_fr/images/cards/carte-green-americanexpress.png"
    },
    {
      "id": "amex-fr-gold",
      "country": "FR",
      "issuer": "American Express",
      "name": "Gold Card",
      "fee": 252,
      "currency": "EUR",
      "reward": "Membership Rewards points",
      "rate": 1,
      "earn": "1 Membership Rewards points per EUR 1 eligible base spend.",
      "route": "Transfer enrolled Membership Rewards points to the French programme partners listed below. Link your own partner account first. Transfers are final; ratios are specific to France.",
      "note": "1 Membership Rewards point per eligible euro. Airline transfers use France-specific ratios. Full monthly repayment. Gold EUR 21/month and Platinum EUR 59/month annualized; introductory waivers excluded.",
      "url": "https://www.americanexpress.com/fr-fr/carte-de-paiement/gold-card-americanexpress/",
      "extra": "https://www.americanexpress.com/fr/benefices/membership-rewards/transfert-points-voyage.html",
      "status": "Official product listing; confirm application availability",
      "verified": true,
      "path": "Bank points",
      "mileageEligible": true,
      "mileageRoute": "Bank points",
      "mileageSource": "https://www.americanexpress.com/fr/benefices/membership-rewards/transfert-points-voyage.html",
      "type": "Deferred-debit card",
      "special": [],
      "eligibility": "Adult applicant with a personal SEPA bank account; French issuer eligibility and Banque de France checks apply. Deferred-debit balances must be repaid in full.",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": "Normally 3 working days; KrisFlyer 10–15 working days, after account registration.",
      "partners": [
        "Cathay",
        "British Airways Club",
        "Delta SkyMiles",
        "Emirates Skywards",
        "Finnair Plus",
        "Flying Blue",
        "Iberia Club",
        "Qatar Airways Privilege Club",
        "SAS EuroBonus",
        "KrisFlyer"
      ],
      "verifiedAt": "2026-10-14",
      "calculatorDisabled": true,
      "transfers": [
        {
          "program": "Cathay",
          "points": 5,
          "miles": 4,
          "minimumPoints": null,
          "increment": null,
          "processing": "About 3 working days",
          "source": "https://www.americanexpress.com/fr/benefices/membership-rewards/transfert-points-voyage.html"
        },
        {
          "program": "British Airways Club",
          "points": 5,
          "miles": 4,
          "minimumPoints": null,
          "increment": null,
          "processing": "About 3 working days",
          "source": "https://www.americanexpress.com/fr/benefices/membership-rewards/transfert-points-voyage.html"
        },
        {
          "program": "Delta SkyMiles",
          "points": 1,
          "miles": 1,
          "minimumPoints": null,
          "increment": null,
          "processing": "About 3 working days",
          "source": "https://www.americanexpress.com/fr/benefices/membership-rewards/transfert-points-voyage.html"
        },
        {
          "program": "Emirates Skywards",
          "points": 2,
          "miles": 1,
          "minimumPoints": null,
          "increment": null,
          "processing": "About 3 working days",
          "source": "https://www.americanexpress.com/fr/benefices/membership-rewards/transfert-points-voyage.html"
        },
        {
          "program": "Finnair Plus",
          "points": 5,
          "miles": 4,
          "minimumPoints": null,
          "increment": null,
          "processing": "About 3 working days",
          "source": "https://www.americanexpress.com/fr/benefices/membership-rewards/transfert-points-voyage.html"
        },
        {
          "program": "Flying Blue",
          "points": 5,
          "miles": 4,
          "minimumPoints": null,
          "increment": null,
          "processing": "About 3 working days",
          "source": "https://www.americanexpress.com/fr/benefices/membership-rewards/transfert-points-voyage.html"
        },
        {
          "program": "Iberia Club",
          "points": 5,
          "miles": 4,
          "minimumPoints": null,
          "increment": null,
          "processing": "About 3 working days",
          "source": "https://www.americanexpress.com/fr/benefices/membership-rewards/transfert-points-voyage.html"
        },
        {
          "program": "Qatar Airways Privilege Club",
          "points": 6,
          "miles": 5,
          "minimumPoints": null,
          "increment": null,
          "processing": "About 3 working days",
          "source": "https://www.americanexpress.com/fr/benefices/membership-rewards/transfert-points-voyage.html"
        },
        {
          "program": "SAS EuroBonus",
          "points": 5,
          "miles": 4,
          "minimumPoints": null,
          "increment": null,
          "processing": "About 3 working days",
          "source": "https://www.americanexpress.com/fr/benefices/membership-rewards/transfert-points-voyage.html"
        },
        {
          "program": "KrisFlyer",
          "points": 5,
          "miles": 4,
          "minimumPoints": null,
          "increment": null,
          "processing": "10–15 working days",
          "source": "https://www.americanexpress.com/fr/benefices/membership-rewards/transfert-points-voyage.html"
        }
      ],
      "programIds": [
        "ba",
        "cathay",
        "flyingblue",
        "qatar",
        "krisflyer"
      ],
      "verificationScope": "France-specific published airline ratios and processing estimates checked. Minimum transfers, fees and full card conditions remain partially verified."
    },
    {
      "id": "amex-fr-platinum",
      "country": "FR",
      "issuer": "American Express",
      "name": "Platinum Card",
      "fee": 708,
      "currency": "EUR",
      "reward": "Membership Rewards points",
      "rate": 1,
      "earn": "1 Membership Rewards points per EUR 1 eligible base spend.",
      "route": "Transfer enrolled Membership Rewards points to the French programme partners listed below. Link your own partner account first. Transfers are final; ratios are specific to France.",
      "note": "1 Membership Rewards point per eligible euro. Airline transfers use France-specific ratios. Full monthly repayment. Gold EUR 21/month and Platinum EUR 59/month annualized; introductory waivers excluded.",
      "url": "https://www.americanexpress.com/fr-fr/carte-de-paiement/carte-platinum-americanexpress/",
      "extra": "https://www.americanexpress.com/fr/benefices/membership-rewards/transfert-points-voyage.html",
      "status": "Official product listing; confirm application availability",
      "verified": true,
      "path": "Bank points",
      "mileageEligible": true,
      "mileageRoute": "Bank points",
      "mileageSource": "https://www.americanexpress.com/fr/benefices/membership-rewards/transfert-points-voyage.html",
      "type": "Deferred-debit card",
      "special": [],
      "eligibility": "Adult applicant with a personal SEPA bank account; French issuer eligibility and Banque de France checks apply. Deferred-debit balances must be repaid in full.",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": "Normally 3 working days; KrisFlyer 10–15 working days, after account registration.",
      "partners": [
        "Cathay",
        "British Airways Club",
        "Delta SkyMiles",
        "Emirates Skywards",
        "Finnair Plus",
        "Flying Blue",
        "Iberia Club",
        "Qatar Airways Privilege Club",
        "SAS EuroBonus",
        "KrisFlyer"
      ],
      "verifiedAt": "2026-10-14",
      "calculatorDisabled": true,
      "transfers": [
        {
          "program": "Cathay",
          "points": 5,
          "miles": 4,
          "minimumPoints": null,
          "increment": null,
          "processing": "About 3 working days",
          "source": "https://www.americanexpress.com/fr/benefices/membership-rewards/transfert-points-voyage.html"
        },
        {
          "program": "British Airways Club",
          "points": 5,
          "miles": 4,
          "minimumPoints": null,
          "increment": null,
          "processing": "About 3 working days",
          "source": "https://www.americanexpress.com/fr/benefices/membership-rewards/transfert-points-voyage.html"
        },
        {
          "program": "Delta SkyMiles",
          "points": 1,
          "miles": 1,
          "minimumPoints": null,
          "increment": null,
          "processing": "About 3 working days",
          "source": "https://www.americanexpress.com/fr/benefices/membership-rewards/transfert-points-voyage.html"
        },
        {
          "program": "Emirates Skywards",
          "points": 2,
          "miles": 1,
          "minimumPoints": null,
          "increment": null,
          "processing": "About 3 working days",
          "source": "https://www.americanexpress.com/fr/benefices/membership-rewards/transfert-points-voyage.html"
        },
        {
          "program": "Finnair Plus",
          "points": 5,
          "miles": 4,
          "minimumPoints": null,
          "increment": null,
          "processing": "About 3 working days",
          "source": "https://www.americanexpress.com/fr/benefices/membership-rewards/transfert-points-voyage.html"
        },
        {
          "program": "Flying Blue",
          "points": 5,
          "miles": 4,
          "minimumPoints": null,
          "increment": null,
          "processing": "About 3 working days",
          "source": "https://www.americanexpress.com/fr/benefices/membership-rewards/transfert-points-voyage.html"
        },
        {
          "program": "Iberia Club",
          "points": 5,
          "miles": 4,
          "minimumPoints": null,
          "increment": null,
          "processing": "About 3 working days",
          "source": "https://www.americanexpress.com/fr/benefices/membership-rewards/transfert-points-voyage.html"
        },
        {
          "program": "Qatar Airways Privilege Club",
          "points": 6,
          "miles": 5,
          "minimumPoints": null,
          "increment": null,
          "processing": "About 3 working days",
          "source": "https://www.americanexpress.com/fr/benefices/membership-rewards/transfert-points-voyage.html"
        },
        {
          "program": "SAS EuroBonus",
          "points": 5,
          "miles": 4,
          "minimumPoints": null,
          "increment": null,
          "processing": "About 3 working days",
          "source": "https://www.americanexpress.com/fr/benefices/membership-rewards/transfert-points-voyage.html"
        },
        {
          "program": "KrisFlyer",
          "points": 5,
          "miles": 4,
          "minimumPoints": null,
          "increment": null,
          "processing": "10–15 working days",
          "source": "https://www.americanexpress.com/fr/benefices/membership-rewards/transfert-points-voyage.html"
        }
      ],
      "programIds": [
        "ba",
        "cathay",
        "flyingblue",
        "qatar",
        "krisflyer"
      ],
      "verificationScope": "France-specific published airline ratios and processing estimates checked. Minimum transfers, fees and full card conditions remain partially verified.",
      "image": "public/assets/cards/amex-fr-platinum.png",
      "imageSource": "https://www.americanexpress.com/fr-fr/carte-de-paiement/carte-platinum-americanexpress/",
      "imageOriginal": "https://icm.aexp-static.com/Internet/internationalcardshop/fr_fr/images/cards/carte-platinum-americanexpress.png"
    },
    {
      "id": "amex-fr-business-green",
      "country": "FR",
      "issuer": "American Express",
      "name": "Business Green Card",
      "fee": 95,
      "currency": "EUR",
      "reward": "Membership Rewards points",
      "rate": 1,
      "earn": "1 Membership Rewards point per EUR 1 eligible business spend.",
      "route": "Transfer enrolled Membership Rewards points to the French programme partners listed below. Link your own partner account first. Transfers are final; ratios are specific to France.",
      "note": "Annual card fee shown by Amex France. Confirm airline ratios and exclusions in the rewards terms.",
      "url": "https://www.americanexpress.com/fr-fr/entreprise/carte-de-paiement//",
      "status": "Official product indexed; confirm current terms before applying",
      "verified": true,
      "mileageEligible": true,
      "mileageRoute": "Bank points",
      "mileageSource": "https://www.americanexpress.com/fr/benefices/membership-rewards/transfert-points-voyage.html",
      "type": "Business deferred-debit card",
      "eligibility": "French business applicant; issuer, bank-account and underwriting requirements apply.",
      "image": "public/assets/cards/amex-fr-business-green.png",
      "imageSource": "https://www.americanexpress.com/fr-fr/entreprise/carte-de-paiement//",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": "Normally 3 working days; KrisFlyer 10–15 working days, after account registration.",
      "partners": [
        "Cathay",
        "British Airways Club",
        "Delta SkyMiles",
        "Emirates Skywards",
        "Finnair Plus",
        "Flying Blue",
        "Iberia Club",
        "Qatar Airways Privilege Club",
        "SAS EuroBonus",
        "KrisFlyer"
      ],
      "verifiedAt": "2026-10-14",
      "calculatorDisabled": true,
      "extra": "https://www.americanexpress.com/fr-fr/rewards/membership-rewards/about-redeeming/",
      "transfers": [
        {
          "program": "Cathay",
          "points": 5,
          "miles": 4,
          "minimumPoints": null,
          "increment": null,
          "processing": "About 3 working days",
          "source": "https://www.americanexpress.com/fr/benefices/membership-rewards/transfert-points-voyage.html"
        },
        {
          "program": "British Airways Club",
          "points": 5,
          "miles": 4,
          "minimumPoints": null,
          "increment": null,
          "processing": "About 3 working days",
          "source": "https://www.americanexpress.com/fr/benefices/membership-rewards/transfert-points-voyage.html"
        },
        {
          "program": "Delta SkyMiles",
          "points": 1,
          "miles": 1,
          "minimumPoints": null,
          "increment": null,
          "processing": "About 3 working days",
          "source": "https://www.americanexpress.com/fr/benefices/membership-rewards/transfert-points-voyage.html"
        },
        {
          "program": "Emirates Skywards",
          "points": 2,
          "miles": 1,
          "minimumPoints": null,
          "increment": null,
          "processing": "About 3 working days",
          "source": "https://www.americanexpress.com/fr/benefices/membership-rewards/transfert-points-voyage.html"
        },
        {
          "program": "Finnair Plus",
          "points": 5,
          "miles": 4,
          "minimumPoints": null,
          "increment": null,
          "processing": "About 3 working days",
          "source": "https://www.americanexpress.com/fr/benefices/membership-rewards/transfert-points-voyage.html"
        },
        {
          "program": "Flying Blue",
          "points": 5,
          "miles": 4,
          "minimumPoints": null,
          "increment": null,
          "processing": "About 3 working days",
          "source": "https://www.americanexpress.com/fr/benefices/membership-rewards/transfert-points-voyage.html"
        },
        {
          "program": "Iberia Club",
          "points": 5,
          "miles": 4,
          "minimumPoints": null,
          "increment": null,
          "processing": "About 3 working days",
          "source": "https://www.americanexpress.com/fr/benefices/membership-rewards/transfert-points-voyage.html"
        },
        {
          "program": "Qatar Airways Privilege Club",
          "points": 6,
          "miles": 5,
          "minimumPoints": null,
          "increment": null,
          "processing": "About 3 working days",
          "source": "https://www.americanexpress.com/fr/benefices/membership-rewards/transfert-points-voyage.html"
        },
        {
          "program": "SAS EuroBonus",
          "points": 5,
          "miles": 4,
          "minimumPoints": null,
          "increment": null,
          "processing": "About 3 working days",
          "source": "https://www.americanexpress.com/fr/benefices/membership-rewards/transfert-points-voyage.html"
        },
        {
          "program": "KrisFlyer",
          "points": 5,
          "miles": 4,
          "minimumPoints": null,
          "increment": null,
          "processing": "10–15 working days",
          "source": "https://www.americanexpress.com/fr/benefices/membership-rewards/transfert-points-voyage.html"
        }
      ],
      "programIds": [
        "ba",
        "cathay",
        "flyingblue",
        "qatar",
        "krisflyer"
      ],
      "verificationScope": "France-specific published airline ratios and processing estimates checked. Minimum transfers, fees and full card conditions remain partially verified.",
      "imageOriginal": "https://icm.aexp-static.com/Internet/internationalcardshop/gcp/business/fr_fr/images/cards/green-480x304.png"
    },
    {
      "id": "amex-fr-business-gold",
      "country": "FR",
      "issuer": "American Express",
      "name": "Business Gold Card",
      "fee": 240,
      "currency": "EUR",
      "reward": "Membership Rewards points",
      "rate": 1,
      "earn": "1 Membership Rewards point per EUR 1 eligible business spend.",
      "route": "Transfer enrolled Membership Rewards points to the French programme partners listed below. Link your own partner account first. Transfers are final; ratios are specific to France.",
      "note": "Recurring fee excludes temporary welcome offers. Confirm airline ratios and exclusions in the rewards terms.",
      "url": "https://www.americanexpress.com/fr-fr/entreprise/carte-de-paiement/business-gold/",
      "status": "Official product indexed; confirm current terms before applying",
      "verified": true,
      "mileageEligible": true,
      "mileageRoute": "Bank points",
      "mileageSource": "https://www.americanexpress.com/fr/benefices/membership-rewards/transfert-points-voyage.html",
      "type": "Business deferred-debit card",
      "eligibility": "French business applicant; issuer, bank-account and underwriting requirements apply.",
      "image": "public/assets/cards/amex-fr-business-gold.png",
      "imageSource": "https://www.americanexpress.com/fr-fr/entreprise/carte-de-paiement/business-gold/",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": "Normally 3 working days; KrisFlyer 10–15 working days, after account registration.",
      "partners": [
        "Cathay",
        "British Airways Club",
        "Delta SkyMiles",
        "Emirates Skywards",
        "Finnair Plus",
        "Flying Blue",
        "Iberia Club",
        "Qatar Airways Privilege Club",
        "SAS EuroBonus",
        "KrisFlyer"
      ],
      "verifiedAt": "2026-10-14",
      "calculatorDisabled": true,
      "extra": "https://www.americanexpress.com/fr-fr/rewards/membership-rewards/about-redeeming/",
      "transfers": [
        {
          "program": "Cathay",
          "points": 5,
          "miles": 4,
          "minimumPoints": null,
          "increment": null,
          "processing": "About 3 working days",
          "source": "https://www.americanexpress.com/fr/benefices/membership-rewards/transfert-points-voyage.html"
        },
        {
          "program": "British Airways Club",
          "points": 5,
          "miles": 4,
          "minimumPoints": null,
          "increment": null,
          "processing": "About 3 working days",
          "source": "https://www.americanexpress.com/fr/benefices/membership-rewards/transfert-points-voyage.html"
        },
        {
          "program": "Delta SkyMiles",
          "points": 1,
          "miles": 1,
          "minimumPoints": null,
          "increment": null,
          "processing": "About 3 working days",
          "source": "https://www.americanexpress.com/fr/benefices/membership-rewards/transfert-points-voyage.html"
        },
        {
          "program": "Emirates Skywards",
          "points": 2,
          "miles": 1,
          "minimumPoints": null,
          "increment": null,
          "processing": "About 3 working days",
          "source": "https://www.americanexpress.com/fr/benefices/membership-rewards/transfert-points-voyage.html"
        },
        {
          "program": "Finnair Plus",
          "points": 5,
          "miles": 4,
          "minimumPoints": null,
          "increment": null,
          "processing": "About 3 working days",
          "source": "https://www.americanexpress.com/fr/benefices/membership-rewards/transfert-points-voyage.html"
        },
        {
          "program": "Flying Blue",
          "points": 5,
          "miles": 4,
          "minimumPoints": null,
          "increment": null,
          "processing": "About 3 working days",
          "source": "https://www.americanexpress.com/fr/benefices/membership-rewards/transfert-points-voyage.html"
        },
        {
          "program": "Iberia Club",
          "points": 5,
          "miles": 4,
          "minimumPoints": null,
          "increment": null,
          "processing": "About 3 working days",
          "source": "https://www.americanexpress.com/fr/benefices/membership-rewards/transfert-points-voyage.html"
        },
        {
          "program": "Qatar Airways Privilege Club",
          "points": 6,
          "miles": 5,
          "minimumPoints": null,
          "increment": null,
          "processing": "About 3 working days",
          "source": "https://www.americanexpress.com/fr/benefices/membership-rewards/transfert-points-voyage.html"
        },
        {
          "program": "SAS EuroBonus",
          "points": 5,
          "miles": 4,
          "minimumPoints": null,
          "increment": null,
          "processing": "About 3 working days",
          "source": "https://www.americanexpress.com/fr/benefices/membership-rewards/transfert-points-voyage.html"
        },
        {
          "program": "KrisFlyer",
          "points": 5,
          "miles": 4,
          "minimumPoints": null,
          "increment": null,
          "processing": "10–15 working days",
          "source": "https://www.americanexpress.com/fr/benefices/membership-rewards/transfert-points-voyage.html"
        }
      ],
      "programIds": [
        "ba",
        "cathay",
        "flyingblue",
        "qatar",
        "krisflyer"
      ],
      "verificationScope": "France-specific published airline ratios and processing estimates checked. Minimum transfers, fees and full card conditions remain partially verified.",
      "imageOriginal": "https://icm.aexp-static.com/Internet/internationalcardshop/gcp/business/fr_fr/images/cards/gold-268x170.png"
    },
    {
      "id": "amex-fr-business-platinum",
      "country": "FR",
      "issuer": "American Express",
      "name": "Business Platinum Card",
      "fee": 708,
      "currency": "EUR",
      "reward": "Membership Rewards points",
      "rate": 1,
      "earn": "1 Membership Rewards point per EUR 1 eligible business spend.",
      "route": "Transfer enrolled Membership Rewards points to the French programme partners listed below. Link your own partner account first. Transfers are final; ratios are specific to France.",
      "note": "EUR 59 monthly fee annualized. Confirm airline ratios and exclusions in the rewards terms.",
      "url": "https://www.americanexpress.com/fr-fr/entreprise/carte-de-paiement/business-platinum/",
      "status": "Official product indexed; confirm current terms before applying",
      "verified": true,
      "mileageEligible": true,
      "mileageRoute": "Bank points",
      "mileageSource": "https://www.americanexpress.com/fr/benefices/membership-rewards/transfert-points-voyage.html",
      "type": "Business deferred-debit card",
      "eligibility": "French business applicant; issuer, bank-account and underwriting requirements apply.",
      "image": "public/assets/cards/amex-fr-business-platinum.png",
      "imageSource": "https://www.americanexpress.com/fr-fr/entreprise/carte-de-paiement/business-platinum/",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": "Normally 3 working days; KrisFlyer 10–15 working days, after account registration.",
      "partners": [
        "Cathay",
        "British Airways Club",
        "Delta SkyMiles",
        "Emirates Skywards",
        "Finnair Plus",
        "Flying Blue",
        "Iberia Club",
        "Qatar Airways Privilege Club",
        "SAS EuroBonus",
        "KrisFlyer"
      ],
      "verifiedAt": "2026-10-14",
      "calculatorDisabled": true,
      "extra": "https://www.americanexpress.com/fr-fr/rewards/membership-rewards/about-redeeming/",
      "transfers": [
        {
          "program": "Cathay",
          "points": 5,
          "miles": 4,
          "minimumPoints": null,
          "increment": null,
          "processing": "About 3 working days",
          "source": "https://www.americanexpress.com/fr/benefices/membership-rewards/transfert-points-voyage.html"
        },
        {
          "program": "British Airways Club",
          "points": 5,
          "miles": 4,
          "minimumPoints": null,
          "increment": null,
          "processing": "About 3 working days",
          "source": "https://www.americanexpress.com/fr/benefices/membership-rewards/transfert-points-voyage.html"
        },
        {
          "program": "Delta SkyMiles",
          "points": 1,
          "miles": 1,
          "minimumPoints": null,
          "increment": null,
          "processing": "About 3 working days",
          "source": "https://www.americanexpress.com/fr/benefices/membership-rewards/transfert-points-voyage.html"
        },
        {
          "program": "Emirates Skywards",
          "points": 2,
          "miles": 1,
          "minimumPoints": null,
          "increment": null,
          "processing": "About 3 working days",
          "source": "https://www.americanexpress.com/fr/benefices/membership-rewards/transfert-points-voyage.html"
        },
        {
          "program": "Finnair Plus",
          "points": 5,
          "miles": 4,
          "minimumPoints": null,
          "increment": null,
          "processing": "About 3 working days",
          "source": "https://www.americanexpress.com/fr/benefices/membership-rewards/transfert-points-voyage.html"
        },
        {
          "program": "Flying Blue",
          "points": 5,
          "miles": 4,
          "minimumPoints": null,
          "increment": null,
          "processing": "About 3 working days",
          "source": "https://www.americanexpress.com/fr/benefices/membership-rewards/transfert-points-voyage.html"
        },
        {
          "program": "Iberia Club",
          "points": 5,
          "miles": 4,
          "minimumPoints": null,
          "increment": null,
          "processing": "About 3 working days",
          "source": "https://www.americanexpress.com/fr/benefices/membership-rewards/transfert-points-voyage.html"
        },
        {
          "program": "Qatar Airways Privilege Club",
          "points": 6,
          "miles": 5,
          "minimumPoints": null,
          "increment": null,
          "processing": "About 3 working days",
          "source": "https://www.americanexpress.com/fr/benefices/membership-rewards/transfert-points-voyage.html"
        },
        {
          "program": "SAS EuroBonus",
          "points": 5,
          "miles": 4,
          "minimumPoints": null,
          "increment": null,
          "processing": "About 3 working days",
          "source": "https://www.americanexpress.com/fr/benefices/membership-rewards/transfert-points-voyage.html"
        },
        {
          "program": "KrisFlyer",
          "points": 5,
          "miles": 4,
          "minimumPoints": null,
          "increment": null,
          "processing": "10–15 working days",
          "source": "https://www.americanexpress.com/fr/benefices/membership-rewards/transfert-points-voyage.html"
        }
      ],
      "programIds": [
        "ba",
        "cathay",
        "flyingblue",
        "qatar",
        "krisflyer"
      ],
      "verificationScope": "France-specific published airline ratios and processing estimates checked. Minimum transfers, fees and full card conditions remain partially verified.",
      "imageOriginal": "https://icm.aexp-static.com/Internet/internationalcardshop/gcp/business/fr_fr/images/cards/platinum-268x170.png"
    },
    {
      "id": "af-klm-pro-gold",
      "country": "FR",
      "issuer": "American Express",
      "name": "AIR FRANCE KLM – AMEX PRO Gold",
      "fee": 300,
      "currency": "EUR",
      "reward": "Flying Blue miles",
      "rate": 0.5,
      "earn": "5 Flying Blue miles per EUR 10 other eligible spend; 15 per EUR 10 with Air France, KLM, Transavia and Hertz.",
      "route": "Earns Flying Blue miles directly; miles are transferred to the linked account monthly.",
      "note": "EUR 300 annual fee. Category rates verified from the official product page; welcome offers and XP bonuses are excluded.",
      "url": "https://www.americanexpress.com/fr-fr/entreprise/carte-de-paiement/decouvrez-la-carte/business-pro-blue-biz/index.html",
      "status": "Official product indexed; confirm current terms before applying",
      "verified": true,
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "mileageSource": "https://www.americanexpress.com/fr-fr/entreprise/carte-de-paiement/decouvrez-la-carte/business-pro-blue-biz/index.html",
      "type": "Business deferred-debit card",
      "eligibility": "French professional or business applicant with an eligible bank account; issuer underwriting applies.",
      "image": "public/assets/cards/af-klm-pro-gold.png",
      "imageSource": "https://www.americanexpress.com/fr-fr/entreprise/carte-de-paiement/decouvrez-la-carte/business-pro-blue-biz/index.html",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "verifiedAt": "2026-10-13",
      "calculatorDisabled": true,
      "special": [
        [
          "Air France, KLM, Transavia and Hertz",
          1.5
        ]
      ],
      "imageOriginal": "https://icm.aexp-static.com/Internet/internationalcardshop/gcp/business/fr_fr/images/cards/af-klm-gold-480x304.png"
    },
    {
      "id": "af-klm-pro-platinum",
      "country": "FR",
      "issuer": "American Express",
      "name": "AIR FRANCE KLM – AMEX PRO Platinum",
      "fee": 780,
      "currency": "EUR",
      "reward": "Flying Blue miles",
      "rate": 1,
      "earn": "10 Flying Blue miles per EUR 10 other eligible spend; 20 per EUR 10 with Air France, KLM, Transavia and Hertz.",
      "route": "Earns Flying Blue miles directly into the linked account.",
      "note": "EUR 780 annual fee. Category rates verified from the official product page; welcome offers and XP bonuses are excluded.",
      "url": "https://www.americanexpress.com/fr-fr/entreprise/carte-de-paiement/pro-air-france-klm-platinum/",
      "status": "Official product indexed; confirm current terms before applying",
      "verified": true,
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "mileageSource": "https://www.americanexpress.com/fr-fr/entreprise/carte-de-paiement/pro-air-france-klm-platinum/",
      "type": "Business deferred-debit card",
      "eligibility": "French professional or business applicant with an eligible bank account; issuer underwriting applies.",
      "image": "public/assets/cards/af-klm-pro-platinum.png",
      "imageSource": "https://www.americanexpress.com/fr-fr/entreprise/carte-de-paiement/pro-air-france-klm-platinum/",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "verifiedAt": "2026-10-13",
      "calculatorDisabled": true,
      "special": [
        [
          "Air France, KLM, Transavia and Hertz",
          2
        ]
      ],
      "imageOriginal": "https://icm.aexp-static.com/Internet/internationalcardshop/gcp/business/fr_fr/images/cards/af-klm-platinum-268x170.png"
    },
    {
      "id": "mm-gold",
      "country": "DE",
      "issuer": "Deutsche Bank",
      "name": "Miles & More Gold Credit Card",
      "fee": 138,
      "currency": "EUR",
      "reward": "Miles & More miles",
      "rate": 0.5,
      "earn": "1 mile per EUR 2 eligible purchases.",
      "route": "Co-brand miles earned into Miles & More. Personal-card rate shown; business-card rates differ. Confirm posting schedule with the issuer.",
      "note": "EUR 11.50 monthly fee annualized. Current issuer is Deutsche Bank; former DKB terms do not automatically apply.",
      "url": "https://www.miles-and-more-kreditkarte.com/de/privatkunden.html",
      "image": "public/assets/cards/mm-gold.webp",
      "imageSource": "https://www.miles-and-more-kreditkarte.com/de/privatkunden.html",
      "imageOriginal": "https://www.miles-and-more-kreditkarte.com/dam/milesandmore/bilder/privatkunden/kreditkarten/Gold.PNG.transform/db_eccs_common_resize_xxl_1x/image.png",
      "status": "Indexed from official sources; confirm availability",
      "verified": true,
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "mileageSource": "https://www.miles-and-more-kreditkarte.com/de/privatkunden.html",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "verifiedAt": null,
      "calculatorDisabled": true
    },
    {
      "id": "amex-de-gold",
      "country": "DE",
      "issuer": "American Express",
      "name": "American Express Gold Card",
      "fee": 240,
      "currency": "EUR",
      "reward": "Membership Rewards points",
      "rate": 1,
      "earn": "1 point / EUR 1 eligible spend",
      "route": "Enrolled Membership Rewards points transfer to the listed airline programmes. Each ratio, minimum and increment is partner-specific. Link an account in your own matching name; transfers are final.",
      "eligibility": "Age over 18, main residence in Germany and a euro bank account in a SEPA country, subject to approval. Minimum income not published here.",
      "note": "EUR 20/month. Paid earning boosters, welcome offers and statement credits excluded.",
      "url": "https://www.americanexpress.com/de-de/kreditkarte/goldcard/",
      "image": "public/assets/cards/amex-de-gold.jpg",
      "imageSource": "https://www.americanexpress.com/de-de/kreditkarte/goldcard/",
      "imageOriginal": "https://icm.aexp-static.com/Internet/internationalcardshop/de_de/images/cards/goldcard.png",
      "status": "Indexed from official sources; confirm availability",
      "verified": true,
      "mileageEligible": true,
      "mileageRoute": "Bank points",
      "mileageSource": "https://www.americanexpress.com/de-de/rewards/membership-rewards/travel/airlines",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": "See each partner in the transfer table.",
      "transferFee": null,
      "processingTime": "Partner-specific estimates in the table; account linking can add time.",
      "partners": [
        "British Airways Club",
        "Cathay",
        "Delta SkyMiles",
        "Emirates Skywards",
        "Flying Blue",
        "Iberia Club",
        "Qatar Airways Privilege Club",
        "SAS EuroBonus",
        "KrisFlyer"
      ],
      "verifiedAt": "2026-10-14",
      "calculatorDisabled": true,
      "transfers": [
        {
          "program": "British Airways Club",
          "points": 5,
          "miles": 4,
          "minimumPoints": 1000,
          "increment": 5,
          "processing": "Up to 1 working day",
          "source": "https://www.americanexpress.com/de-de/rewards/membership-rewards/travel/airlines"
        },
        {
          "program": "Cathay",
          "points": 3,
          "miles": 2,
          "minimumPoints": 900,
          "increment": 300,
          "processing": "About 3 working days",
          "source": "https://www.americanexpress.com/de-de/rewards/membership-rewards/travel/airlines"
        },
        {
          "program": "Delta SkyMiles",
          "points": 3,
          "miles": 2,
          "minimumPoints": 3000,
          "increment": 3,
          "processing": "About 5 working days",
          "source": "https://www.americanexpress.com/de-de/rewards/membership-rewards/travel/airlines"
        },
        {
          "program": "Emirates Skywards",
          "points": 2,
          "miles": 1,
          "minimumPoints": 1000,
          "increment": 2,
          "processing": "Up to 1 working day",
          "source": "https://www.americanexpress.com/de-de/rewards/membership-rewards/travel/airlines"
        },
        {
          "program": "Flying Blue",
          "points": 5,
          "miles": 4,
          "minimumPoints": 625,
          "increment": 5,
          "processing": "Up to 1 working day",
          "source": "https://www.americanexpress.com/de-de/rewards/membership-rewards/travel/airlines"
        },
        {
          "program": "Iberia Club",
          "points": 5,
          "miles": 4,
          "minimumPoints": 1000,
          "increment": 500,
          "processing": "Up to 1 working day",
          "source": "https://www.americanexpress.com/de-de/rewards/membership-rewards/travel/airlines"
        },
        {
          "program": "Qatar Airways Privilege Club",
          "points": 3,
          "miles": 2,
          "minimumPoints": 900,
          "increment": 3,
          "processing": "About 7 working days",
          "source": "https://www.americanexpress.com/de-de/rewards/membership-rewards/travel/airlines"
        },
        {
          "program": "SAS EuroBonus",
          "points": 5,
          "miles": 4,
          "minimumPoints": 1000,
          "increment": 500,
          "processing": "About 5 working days",
          "source": "https://www.americanexpress.com/de-de/rewards/membership-rewards/travel/airlines"
        },
        {
          "program": "KrisFlyer",
          "points": 3,
          "miles": 2,
          "minimumPoints": 1500,
          "increment": 3,
          "processing": "Up to 15 working days",
          "source": "https://www.americanexpress.com/de-de/rewards/membership-rewards/travel/airlines"
        }
      ],
      "programIds": [
        "ba",
        "cathay",
        "flyingblue",
        "qatar",
        "krisflyer"
      ],
      "verificationScope": "German MR partner ratios, minimums, increments and estimated timing checked in this pass. Existing card fees and earning summaries retain their earlier research; detailed exclusions remain partial."
    },
    {
      "id": "mm-blue",
      "country": "DE",
      "issuer": "Deutsche Bank",
      "name": "Miles & More Blue Credit Card",
      "fee": 66,
      "currency": "EUR",
      "reward": "Miles & More miles",
      "rate": 0.5,
      "earn": "0.5 Miles & More miles per EUR 1 eligible base spend.",
      "route": "Miles credit to your linked airline loyalty account.",
      "note": "EUR 5.50 monthly fee annualized. 1 mile per EUR 2 eligible purchases. Check expiry-protection and optional package conditions.",
      "url": "https://www.miles-and-more-kreditkarte.com/de/privatkunden/kreditkarten/miles-and-more-blue-credit-card.html",
      "extra": null,
      "status": "Official product listing; confirm application availability",
      "verified": true,
      "path": "Direct miles",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "mileageSource": "https://www.miles-and-more-kreditkarte.com/de/privatkunden/kreditkarten/miles-and-more-blue-credit-card.html",
      "type": "Credit card",
      "special": [],
      "eligibility": "German issuer residency, SEPA account and credit checks apply. Confirm current eligibility with the issuer.",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "verifiedAt": null,
      "calculatorDisabled": true,
      "image": "public/assets/cards/mm-blue.png",
      "imageSource": "https://www.miles-and-more-kreditkarte.com/de/privatkunden/kreditkarten/miles-and-more-blue-credit-card.html",
      "imageOriginal": "https://www.miles-and-more-kreditkarte.com/dam/milesandmore/bilder/privatkunden/kreditkarten/Blue.PNG"
    },
    {
      "id": "mm-myflex",
      "country": "DE",
      "issuer": "Deutsche Bank",
      "name": "Miles & More MyFlex Credit Card",
      "fee": 0,
      "currency": "EUR",
      "reward": "Miles & More miles",
      "rate": 0.5,
      "earn": "0.5 Miles & More miles per EUR 1 eligible base spend.",
      "route": "Miles credit to your linked airline loyalty account.",
      "note": "No monthly card fee. Revolving repayment is built into this product; interest can exceed reward value. Confirm repayment settings and current terms.",
      "url": "https://www.miles-and-more-kreditkarte.com/de/privatkunden/kreditkarten/miles-and-more-myflex-credit-card.html",
      "extra": "https://www.miles-and-more-kreditkarte.com/de/privatkunden/kreditkarten/miles-and-more-gold-credit-card.html",
      "status": "Official product listing; confirm application availability",
      "verified": true,
      "path": "Direct miles",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "mileageSource": "https://www.miles-and-more-kreditkarte.com/de/privatkunden/kreditkarten/miles-and-more-gold-credit-card.html",
      "type": "Credit card",
      "special": [],
      "eligibility": "German issuer residency, SEPA account and credit checks apply. Confirm current eligibility with the issuer.",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "verifiedAt": null,
      "calculatorDisabled": true,
      "image": "public/assets/cards/mm-myflex.png",
      "imageSource": "https://www.miles-and-more-kreditkarte.com/de/privatkunden/kreditkarten/miles-and-more-myflex-credit-card.html",
      "imageOriginal": "https://www.miles-and-more-kreditkarte.com/dam/milesandmore/bilder/privatkunden/kreditkarten/MyFlex.PNG"
    },
    {
      "id": "amex-de-green",
      "country": "DE",
      "issuer": "American Express",
      "name": "Green Card",
      "fee": 60,
      "currency": "EUR",
      "reward": "Membership Rewards points",
      "rate": 1,
      "earn": "1 Membership Rewards points per EUR 1 eligible base spend.",
      "route": "Enrolled Membership Rewards points transfer to the listed airline programmes. Each ratio, minimum and increment is partner-specific. Link an account in your own matching name; transfers are final.",
      "note": "Base 1 point per eligible euro; optional paid boosters excluded. Monthly fees annualized. Check issuer fee waivers and German airline-transfer ratios.",
      "url": "https://www.americanexpress.com/de-de/kreditkarte/amex-card/",
      "extra": "https://www.americanexpress.com/de-de/rewards/membership-rewards/travel/airlines/",
      "status": "Official product listing; confirm application availability",
      "verified": true,
      "path": "Bank points",
      "mileageEligible": true,
      "mileageRoute": "Bank points",
      "mileageSource": "https://www.americanexpress.com/de-de/rewards/membership-rewards/travel/airlines",
      "type": "Charge card",
      "special": [],
      "eligibility": "German issuer residency, SEPA account and credit checks apply. Confirm current eligibility with the issuer.",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": "See each partner in the transfer table.",
      "transferFee": null,
      "processingTime": "Partner-specific estimates in the table; account linking can add time.",
      "partners": [
        "British Airways Club",
        "Cathay",
        "Delta SkyMiles",
        "Emirates Skywards",
        "Flying Blue",
        "Iberia Club",
        "Qatar Airways Privilege Club",
        "SAS EuroBonus",
        "KrisFlyer"
      ],
      "verifiedAt": "2026-10-14",
      "calculatorDisabled": true,
      "transfers": [
        {
          "program": "British Airways Club",
          "points": 5,
          "miles": 4,
          "minimumPoints": 1000,
          "increment": 5,
          "processing": "Up to 1 working day",
          "source": "https://www.americanexpress.com/de-de/rewards/membership-rewards/travel/airlines"
        },
        {
          "program": "Cathay",
          "points": 3,
          "miles": 2,
          "minimumPoints": 900,
          "increment": 300,
          "processing": "About 3 working days",
          "source": "https://www.americanexpress.com/de-de/rewards/membership-rewards/travel/airlines"
        },
        {
          "program": "Delta SkyMiles",
          "points": 3,
          "miles": 2,
          "minimumPoints": 3000,
          "increment": 3,
          "processing": "About 5 working days",
          "source": "https://www.americanexpress.com/de-de/rewards/membership-rewards/travel/airlines"
        },
        {
          "program": "Emirates Skywards",
          "points": 2,
          "miles": 1,
          "minimumPoints": 1000,
          "increment": 2,
          "processing": "Up to 1 working day",
          "source": "https://www.americanexpress.com/de-de/rewards/membership-rewards/travel/airlines"
        },
        {
          "program": "Flying Blue",
          "points": 5,
          "miles": 4,
          "minimumPoints": 625,
          "increment": 5,
          "processing": "Up to 1 working day",
          "source": "https://www.americanexpress.com/de-de/rewards/membership-rewards/travel/airlines"
        },
        {
          "program": "Iberia Club",
          "points": 5,
          "miles": 4,
          "minimumPoints": 1000,
          "increment": 500,
          "processing": "Up to 1 working day",
          "source": "https://www.americanexpress.com/de-de/rewards/membership-rewards/travel/airlines"
        },
        {
          "program": "Qatar Airways Privilege Club",
          "points": 3,
          "miles": 2,
          "minimumPoints": 900,
          "increment": 3,
          "processing": "About 7 working days",
          "source": "https://www.americanexpress.com/de-de/rewards/membership-rewards/travel/airlines"
        },
        {
          "program": "SAS EuroBonus",
          "points": 5,
          "miles": 4,
          "minimumPoints": 1000,
          "increment": 500,
          "processing": "About 5 working days",
          "source": "https://www.americanexpress.com/de-de/rewards/membership-rewards/travel/airlines"
        },
        {
          "program": "KrisFlyer",
          "points": 3,
          "miles": 2,
          "minimumPoints": 1500,
          "increment": 3,
          "processing": "Up to 15 working days",
          "source": "https://www.americanexpress.com/de-de/rewards/membership-rewards/travel/airlines"
        }
      ],
      "programIds": [
        "ba",
        "cathay",
        "flyingblue",
        "qatar",
        "krisflyer"
      ],
      "verificationScope": "German MR partner ratios, minimums, increments and estimated timing checked in this pass. Existing card fees and earning summaries retain their earlier research; detailed exclusions remain partial.",
      "image": "public/assets/cards/amex-de-green.jpg",
      "imageSource": "https://www.americanexpress.com/de-de/kreditkarte/amex-card/",
      "imageOriginal": "https://icm.aexp-static.com/Internet/internationalcardshop/de_de/images/cards/american-express-card.png"
    },
    {
      "id": "amex-de-platinum",
      "country": "DE",
      "issuer": "American Express",
      "name": "Platinum Card",
      "fee": 720,
      "currency": "EUR",
      "reward": "Membership Rewards points",
      "rate": 1,
      "earn": "1 Membership Rewards points per EUR 1 eligible base spend.",
      "route": "Enrolled Membership Rewards points transfer to the listed airline programmes. Each ratio, minimum and increment is partner-specific. Link an account in your own matching name; transfers are final.",
      "note": "Base 1 point per eligible euro; optional paid boosters excluded. Monthly fees annualized. Check issuer fee waivers and German airline-transfer ratios.",
      "url": "https://www.americanexpress.com/de-de/kreditkarte/platinum-card/",
      "extra": "https://www.americanexpress.com/de-de/rewards/membership-rewards/travel/airlines/",
      "status": "Official product listing; confirm application availability",
      "verified": true,
      "path": "Bank points",
      "mileageEligible": true,
      "mileageRoute": "Bank points",
      "mileageSource": "https://www.americanexpress.com/de-de/rewards/membership-rewards/travel/airlines",
      "type": "Charge card",
      "special": [],
      "eligibility": "German issuer residency, SEPA account and credit checks apply. Confirm current eligibility with the issuer.",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": "See each partner in the transfer table.",
      "transferFee": null,
      "processingTime": "Partner-specific estimates in the table; account linking can add time.",
      "partners": [
        "British Airways Club",
        "Cathay",
        "Delta SkyMiles",
        "Emirates Skywards",
        "Flying Blue",
        "Iberia Club",
        "Qatar Airways Privilege Club",
        "SAS EuroBonus",
        "KrisFlyer"
      ],
      "verifiedAt": "2026-10-14",
      "calculatorDisabled": true,
      "transfers": [
        {
          "program": "British Airways Club",
          "points": 5,
          "miles": 4,
          "minimumPoints": 1000,
          "increment": 5,
          "processing": "Up to 1 working day",
          "source": "https://www.americanexpress.com/de-de/rewards/membership-rewards/travel/airlines"
        },
        {
          "program": "Cathay",
          "points": 3,
          "miles": 2,
          "minimumPoints": 900,
          "increment": 300,
          "processing": "About 3 working days",
          "source": "https://www.americanexpress.com/de-de/rewards/membership-rewards/travel/airlines"
        },
        {
          "program": "Delta SkyMiles",
          "points": 3,
          "miles": 2,
          "minimumPoints": 3000,
          "increment": 3,
          "processing": "About 5 working days",
          "source": "https://www.americanexpress.com/de-de/rewards/membership-rewards/travel/airlines"
        },
        {
          "program": "Emirates Skywards",
          "points": 2,
          "miles": 1,
          "minimumPoints": 1000,
          "increment": 2,
          "processing": "Up to 1 working day",
          "source": "https://www.americanexpress.com/de-de/rewards/membership-rewards/travel/airlines"
        },
        {
          "program": "Flying Blue",
          "points": 5,
          "miles": 4,
          "minimumPoints": 625,
          "increment": 5,
          "processing": "Up to 1 working day",
          "source": "https://www.americanexpress.com/de-de/rewards/membership-rewards/travel/airlines"
        },
        {
          "program": "Iberia Club",
          "points": 5,
          "miles": 4,
          "minimumPoints": 1000,
          "increment": 500,
          "processing": "Up to 1 working day",
          "source": "https://www.americanexpress.com/de-de/rewards/membership-rewards/travel/airlines"
        },
        {
          "program": "Qatar Airways Privilege Club",
          "points": 3,
          "miles": 2,
          "minimumPoints": 900,
          "increment": 3,
          "processing": "About 7 working days",
          "source": "https://www.americanexpress.com/de-de/rewards/membership-rewards/travel/airlines"
        },
        {
          "program": "SAS EuroBonus",
          "points": 5,
          "miles": 4,
          "minimumPoints": 1000,
          "increment": 500,
          "processing": "About 5 working days",
          "source": "https://www.americanexpress.com/de-de/rewards/membership-rewards/travel/airlines"
        },
        {
          "program": "KrisFlyer",
          "points": 3,
          "miles": 2,
          "minimumPoints": 1500,
          "increment": 3,
          "processing": "Up to 15 working days",
          "source": "https://www.americanexpress.com/de-de/rewards/membership-rewards/travel/airlines"
        }
      ],
      "programIds": [
        "ba",
        "cathay",
        "flyingblue",
        "qatar",
        "krisflyer"
      ],
      "verificationScope": "German MR partner ratios, minimums, increments and estimated timing checked in this pass. Existing card fees and earning summaries retain their earlier research; detailed exclusions remain partial.",
      "image": "public/assets/cards/amex-de-platinum.png",
      "imageSource": "https://www.americanexpress.com/de-de/kreditkarte/platinum-card/",
      "imageOriginal": "https://icm.aexp-static.com/Internet/internationalcardshop/de_de/images/cards/platinum-card.png"
    },
    {
      "id": "amex-de-payback",
      "country": "DE",
      "issuer": "American Express",
      "name": "PAYBACK American Express",
      "fee": 0,
      "currency": "EUR",
      "reward": "PAYBACK points",
      "rate": 0.3333333333333333,
      "earn": "1 PAYBACK point per EUR 3 eligible spend (petrol stations excluded).",
      "route": "Earn PAYBACK points and convert them to Miles & More miles through PAYBACK under current transfer rules.",
      "note": "1 PAYBACK point per EUR 3 eligible spend; petrol stations excluded. Partner rewards and boosters excluded. Transaction rounding can reduce the estimate.",
      "url": "https://www.americanexpress.com/de-de/amexcited/cards/payback-american-express-karte",
      "extra": null,
      "status": "Official product listing; confirm application availability",
      "verified": true,
      "path": "Bank points",
      "mileageEligible": true,
      "mileageRoute": "Bank points",
      "mileageSource": "https://www.americanexpress.com/de-de/amexcited/cards/payback-american-express-karte",
      "type": "Credit card",
      "special": [],
      "eligibility": "German issuer residency, SEPA account and credit checks apply. Confirm current eligibility with the issuer.",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "verifiedAt": null,
      "calculatorDisabled": true,
      "image": "public/assets/cards/amex-de-payback.jpg",
      "imageSource": "https://www.americanexpress.com/de-de/amexcited/cards/payback-american-express-karte",
      "imageOriginal": "https://icm.aexp-static.com/Internet/internationalcardshop/de_de/images/cards/payback-karte.png"
    },
    {
      "id": "eurowings-classic",
      "country": "DE",
      "issuer": "easybank / BAWAG",
      "name": "Eurowings Classic",
      "fee": 29,
      "currency": "EUR",
      "reward": "Miles & More miles",
      "rate": 0.5,
      "earn": "0.5 Miles & More miles per EUR 1 eligible base spend.",
      "route": "Miles credit to your linked airline loyalty account.",
      "note": "Standard annual fee after any introductory waiver. 1 mile per EUR 2 eligible purchases. Miles & More service card number required. Confirm easybank terms and card-specific airline benefits.",
      "url": "https://www.miles-and-more.com/de/de/earn/germany-eurowings-credit-cards/partner/finance/germany-eurowings-credit-cards/earn/basic-offer/eurowings-credit-cards_earn_basic_1m.html",
      "extra": null,
      "status": "Official product listing; confirm application availability",
      "verified": true,
      "path": "Direct miles",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "mileageSource": "https://www.miles-and-more.com/de/de/earn/germany-eurowings-credit-cards/partner/finance/germany-eurowings-credit-cards/earn/basic-offer/eurowings-credit-cards_earn_basic_1m.html",
      "type": "Credit card",
      "special": [],
      "eligibility": "German issuer residency, SEPA account and credit checks apply. Confirm current eligibility with the issuer.",
      "feeSource": "https://www.eurowings.com/de/ihre-vorteile/kreditkarten/uebersicht.html",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "verifiedAt": null,
      "calculatorDisabled": true
    },
    {
      "id": "eurowings-premium",
      "country": "DE",
      "issuer": "easybank / BAWAG",
      "name": "Eurowings Premium",
      "fee": 99,
      "currency": "EUR",
      "reward": "Miles & More miles",
      "rate": 0.5,
      "earn": "0.5 Miles & More miles per EUR 1 eligible base spend.",
      "route": "Miles credit to your linked airline loyalty account.",
      "note": "Standard annual fee after any introductory waiver. 1 mile per EUR 2 eligible purchases. Miles & More service card number required. Confirm easybank terms and card-specific airline benefits.",
      "url": "https://www.miles-and-more.com/de/de/earn/germany-eurowings-credit-cards/partner/finance/germany-eurowings-credit-cards/earn/basic-offer/eurowings-credit-cards_earn_basic_1m.html",
      "extra": null,
      "status": "Official product listing; confirm application availability",
      "verified": true,
      "path": "Direct miles",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "mileageSource": "https://www.miles-and-more.com/de/de/earn/germany-eurowings-credit-cards/partner/finance/germany-eurowings-credit-cards/earn/basic-offer/eurowings-credit-cards_earn_basic_1m.html",
      "type": "Credit card",
      "special": [],
      "eligibility": "German issuer residency, SEPA account and credit checks apply. Confirm current eligibility with the issuer.",
      "feeSource": "https://www.eurowings.com/de/ihre-vorteile/kreditkarten/uebersicht.html",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "verifiedAt": null,
      "calculatorDisabled": true
    },
    {
      "id": "amex-de-business-green",
      "country": "DE",
      "issuer": "American Express",
      "name": "Business Green Card",
      "fee": 70,
      "currency": "EUR",
      "reward": "Membership Rewards points",
      "rate": 1,
      "earn": "1 Membership Rewards point per EUR 1 eligible business spend.",
      "route": "Enrolled Membership Rewards points transfer to the listed airline programmes. Each ratio, minimum and increment is partner-specific. Link an account in your own matching name; transfers are final.",
      "note": "The card fee is EUR 70 after year one. Membership Rewards costs EUR 30 yearly on this product.",
      "url": "https://www.americanexpress.com/de-de/business/kreditkarte/business-green/",
      "status": "Official product indexed; confirm current terms before applying",
      "verified": true,
      "mileageEligible": true,
      "mileageRoute": "Bank points",
      "mileageSource": "https://www.americanexpress.com/de-de/rewards/membership-rewards/travel/airlines",
      "type": "Business charge card",
      "eligibility": "Applicant must be 18 or older, operate a business, and have an eligible euro SEPA bank account; underwriting applies.",
      "image": "public/assets/cards/amex-de-business-green.png",
      "imageSource": "https://www.americanexpress.com/de-de/business/kreditkarte/business-green/",
      "firstYearFee": 0,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": "See each partner in the transfer table.",
      "transferFee": null,
      "processingTime": "Partner-specific estimates in the table; account linking can add time.",
      "partners": [
        "British Airways Club",
        "Cathay",
        "Delta SkyMiles",
        "Emirates Skywards",
        "Flying Blue",
        "Iberia Club",
        "Qatar Airways Privilege Club",
        "SAS EuroBonus",
        "KrisFlyer"
      ],
      "verifiedAt": "2026-10-14",
      "calculatorDisabled": true,
      "rewardsAnnualFee": 30,
      "verificationScope": "German MR partner ratios, minimums, increments and estimated timing checked in this pass. Existing card fees and earning summaries retain their earlier research; detailed exclusions remain partial.",
      "transfers": [
        {
          "program": "British Airways Club",
          "points": 5,
          "miles": 4,
          "minimumPoints": 1000,
          "increment": 5,
          "processing": "Up to 1 working day",
          "source": "https://www.americanexpress.com/de-de/rewards/membership-rewards/travel/airlines"
        },
        {
          "program": "Cathay",
          "points": 3,
          "miles": 2,
          "minimumPoints": 900,
          "increment": 300,
          "processing": "About 3 working days",
          "source": "https://www.americanexpress.com/de-de/rewards/membership-rewards/travel/airlines"
        },
        {
          "program": "Delta SkyMiles",
          "points": 3,
          "miles": 2,
          "minimumPoints": 3000,
          "increment": 3,
          "processing": "About 5 working days",
          "source": "https://www.americanexpress.com/de-de/rewards/membership-rewards/travel/airlines"
        },
        {
          "program": "Emirates Skywards",
          "points": 2,
          "miles": 1,
          "minimumPoints": 1000,
          "increment": 2,
          "processing": "Up to 1 working day",
          "source": "https://www.americanexpress.com/de-de/rewards/membership-rewards/travel/airlines"
        },
        {
          "program": "Flying Blue",
          "points": 5,
          "miles": 4,
          "minimumPoints": 625,
          "increment": 5,
          "processing": "Up to 1 working day",
          "source": "https://www.americanexpress.com/de-de/rewards/membership-rewards/travel/airlines"
        },
        {
          "program": "Iberia Club",
          "points": 5,
          "miles": 4,
          "minimumPoints": 1000,
          "increment": 500,
          "processing": "Up to 1 working day",
          "source": "https://www.americanexpress.com/de-de/rewards/membership-rewards/travel/airlines"
        },
        {
          "program": "Qatar Airways Privilege Club",
          "points": 3,
          "miles": 2,
          "minimumPoints": 900,
          "increment": 3,
          "processing": "About 7 working days",
          "source": "https://www.americanexpress.com/de-de/rewards/membership-rewards/travel/airlines"
        },
        {
          "program": "SAS EuroBonus",
          "points": 5,
          "miles": 4,
          "minimumPoints": 1000,
          "increment": 500,
          "processing": "About 5 working days",
          "source": "https://www.americanexpress.com/de-de/rewards/membership-rewards/travel/airlines"
        },
        {
          "program": "KrisFlyer",
          "points": 3,
          "miles": 2,
          "minimumPoints": 1500,
          "increment": 3,
          "processing": "Up to 15 working days",
          "source": "https://www.americanexpress.com/de-de/rewards/membership-rewards/travel/airlines"
        }
      ],
      "programIds": [
        "ba",
        "cathay",
        "flyingblue",
        "qatar",
        "krisflyer"
      ],
      "imageOriginal": "https://icm.aexp-static.com/Internet/internationalcardshop/gcp/business/de_de/images/cards/Green-538x340.png"
    },
    {
      "id": "amex-de-business-gold",
      "country": "DE",
      "issuer": "American Express",
      "name": "Business Gold Card",
      "fee": 175,
      "currency": "EUR",
      "reward": "Membership Rewards points",
      "rate": 1,
      "earn": "1 Membership Rewards point per EUR 1 eligible business spend.",
      "route": "Enrolled Membership Rewards points transfer to the listed airline programmes. Each ratio, minimum and increment is partner-specific. Link an account in your own matching name; transfers are final.",
      "note": "Membership Rewards is included. The official page currently advertises a free first year.",
      "url": "https://www.americanexpress.com/de-de/business/kreditkarte/business-gold/",
      "status": "Official product indexed; confirm current terms before applying",
      "verified": true,
      "mileageEligible": true,
      "mileageRoute": "Bank points",
      "mileageSource": "https://www.americanexpress.com/de-de/rewards/membership-rewards/travel/airlines",
      "type": "Business charge card",
      "eligibility": "German business or self-employed applicant with an eligible bank account; underwriting applies.",
      "image": "public/assets/cards/amex-de-business-gold.png",
      "imageSource": "https://www.americanexpress.com/de-de/business/kreditkarte/business-gold/",
      "firstYearFee": 0,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": "See each partner in the transfer table.",
      "transferFee": null,
      "processingTime": "Partner-specific estimates in the table; account linking can add time.",
      "partners": [
        "British Airways Club",
        "Cathay",
        "Delta SkyMiles",
        "Emirates Skywards",
        "Flying Blue",
        "Iberia Club",
        "Qatar Airways Privilege Club",
        "SAS EuroBonus",
        "KrisFlyer"
      ],
      "verifiedAt": "2026-10-14",
      "calculatorDisabled": true,
      "transfers": [
        {
          "program": "British Airways Club",
          "points": 5,
          "miles": 4,
          "minimumPoints": 1000,
          "increment": 5,
          "processing": "Up to 1 working day",
          "source": "https://www.americanexpress.com/de-de/rewards/membership-rewards/travel/airlines"
        },
        {
          "program": "Cathay",
          "points": 3,
          "miles": 2,
          "minimumPoints": 900,
          "increment": 300,
          "processing": "About 3 working days",
          "source": "https://www.americanexpress.com/de-de/rewards/membership-rewards/travel/airlines"
        },
        {
          "program": "Delta SkyMiles",
          "points": 3,
          "miles": 2,
          "minimumPoints": 3000,
          "increment": 3,
          "processing": "About 5 working days",
          "source": "https://www.americanexpress.com/de-de/rewards/membership-rewards/travel/airlines"
        },
        {
          "program": "Emirates Skywards",
          "points": 2,
          "miles": 1,
          "minimumPoints": 1000,
          "increment": 2,
          "processing": "Up to 1 working day",
          "source": "https://www.americanexpress.com/de-de/rewards/membership-rewards/travel/airlines"
        },
        {
          "program": "Flying Blue",
          "points": 5,
          "miles": 4,
          "minimumPoints": 625,
          "increment": 5,
          "processing": "Up to 1 working day",
          "source": "https://www.americanexpress.com/de-de/rewards/membership-rewards/travel/airlines"
        },
        {
          "program": "Iberia Club",
          "points": 5,
          "miles": 4,
          "minimumPoints": 1000,
          "increment": 500,
          "processing": "Up to 1 working day",
          "source": "https://www.americanexpress.com/de-de/rewards/membership-rewards/travel/airlines"
        },
        {
          "program": "Qatar Airways Privilege Club",
          "points": 3,
          "miles": 2,
          "minimumPoints": 900,
          "increment": 3,
          "processing": "About 7 working days",
          "source": "https://www.americanexpress.com/de-de/rewards/membership-rewards/travel/airlines"
        },
        {
          "program": "SAS EuroBonus",
          "points": 5,
          "miles": 4,
          "minimumPoints": 1000,
          "increment": 500,
          "processing": "About 5 working days",
          "source": "https://www.americanexpress.com/de-de/rewards/membership-rewards/travel/airlines"
        },
        {
          "program": "KrisFlyer",
          "points": 3,
          "miles": 2,
          "minimumPoints": 1500,
          "increment": 3,
          "processing": "Up to 15 working days",
          "source": "https://www.americanexpress.com/de-de/rewards/membership-rewards/travel/airlines"
        }
      ],
      "programIds": [
        "ba",
        "cathay",
        "flyingblue",
        "qatar",
        "krisflyer"
      ],
      "verificationScope": "German MR partner ratios, minimums, increments and estimated timing checked in this pass. Existing card fees and earning summaries retain their earlier research; detailed exclusions remain partial.",
      "imageOriginal": "https://icm.aexp-static.com/Internet/internationalcardshop/gcp/business/de_de/images/cards/Gold-538x340.png"
    },
    {
      "id": "amex-de-business-platinum",
      "country": "DE",
      "issuer": "American Express",
      "name": "Business Platinum Card",
      "fee": 850,
      "currency": "EUR",
      "reward": "Membership Rewards points",
      "rate": 1,
      "earn": "1 Membership Rewards point per EUR 1 eligible business spend.",
      "route": "Enrolled Membership Rewards points transfer to the listed airline programmes. Each ratio, minimum and increment is partner-specific. Link an account in your own matching name; transfers are final.",
      "note": "Annual package fee; promotional credits and welcome offers excluded.",
      "url": "https://www.americanexpress.com/de-de/business/kreditkarte/business-platinum/",
      "status": "Official product indexed; confirm current terms before applying",
      "verified": true,
      "mileageEligible": true,
      "mileageRoute": "Bank points",
      "mileageSource": "https://www.americanexpress.com/de-de/rewards/membership-rewards/travel/airlines",
      "type": "Business charge card",
      "eligibility": "German business or self-employed applicant with an eligible bank account; underwriting applies.",
      "image": "public/assets/cards/amex-de-business-platinum.jpg",
      "imageSource": "https://www.americanexpress.com/de-de/business/kreditkarte/business-platinum/",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": "See each partner in the transfer table.",
      "transferFee": null,
      "processingTime": "Partner-specific estimates in the table; account linking can add time.",
      "partners": [
        "British Airways Club",
        "Cathay",
        "Delta SkyMiles",
        "Emirates Skywards",
        "Flying Blue",
        "Iberia Club",
        "Qatar Airways Privilege Club",
        "SAS EuroBonus",
        "KrisFlyer"
      ],
      "verifiedAt": "2026-10-14",
      "calculatorDisabled": true,
      "transfers": [
        {
          "program": "British Airways Club",
          "points": 5,
          "miles": 4,
          "minimumPoints": 1000,
          "increment": 5,
          "processing": "Up to 1 working day",
          "source": "https://www.americanexpress.com/de-de/rewards/membership-rewards/travel/airlines"
        },
        {
          "program": "Cathay",
          "points": 3,
          "miles": 2,
          "minimumPoints": 900,
          "increment": 300,
          "processing": "About 3 working days",
          "source": "https://www.americanexpress.com/de-de/rewards/membership-rewards/travel/airlines"
        },
        {
          "program": "Delta SkyMiles",
          "points": 3,
          "miles": 2,
          "minimumPoints": 3000,
          "increment": 3,
          "processing": "About 5 working days",
          "source": "https://www.americanexpress.com/de-de/rewards/membership-rewards/travel/airlines"
        },
        {
          "program": "Emirates Skywards",
          "points": 2,
          "miles": 1,
          "minimumPoints": 1000,
          "increment": 2,
          "processing": "Up to 1 working day",
          "source": "https://www.americanexpress.com/de-de/rewards/membership-rewards/travel/airlines"
        },
        {
          "program": "Flying Blue",
          "points": 5,
          "miles": 4,
          "minimumPoints": 625,
          "increment": 5,
          "processing": "Up to 1 working day",
          "source": "https://www.americanexpress.com/de-de/rewards/membership-rewards/travel/airlines"
        },
        {
          "program": "Iberia Club",
          "points": 5,
          "miles": 4,
          "minimumPoints": 1000,
          "increment": 500,
          "processing": "Up to 1 working day",
          "source": "https://www.americanexpress.com/de-de/rewards/membership-rewards/travel/airlines"
        },
        {
          "program": "Qatar Airways Privilege Club",
          "points": 3,
          "miles": 2,
          "minimumPoints": 900,
          "increment": 3,
          "processing": "About 7 working days",
          "source": "https://www.americanexpress.com/de-de/rewards/membership-rewards/travel/airlines"
        },
        {
          "program": "SAS EuroBonus",
          "points": 5,
          "miles": 4,
          "minimumPoints": 1000,
          "increment": 500,
          "processing": "About 5 working days",
          "source": "https://www.americanexpress.com/de-de/rewards/membership-rewards/travel/airlines"
        },
        {
          "program": "KrisFlyer",
          "points": 3,
          "miles": 2,
          "minimumPoints": 1500,
          "increment": 3,
          "processing": "Up to 15 working days",
          "source": "https://www.americanexpress.com/de-de/rewards/membership-rewards/travel/airlines"
        }
      ],
      "programIds": [
        "ba",
        "cathay",
        "flyingblue",
        "qatar",
        "krisflyer"
      ],
      "verificationScope": "German MR partner ratios, minimums, increments and estimated timing checked in this pass. Existing card fees and earning summaries retain their earlier research; detailed exclusions remain partial.",
      "imageOriginal": "https://icm.aexp-static.com/Internet/internationalcardshop/gcp/business/de_de/images/cards/Platinum-538x340.png"
    },
    {
      "id": "mm-blue-business",
      "country": "DE",
      "issuer": "Deutsche Bank",
      "name": "Miles & More Blue Credit Card Business",
      "fee": 66,
      "currency": "EUR",
      "reward": "Miles & More miles",
      "rate": 1,
      "earn": "1 mile per EUR 1 eligible business card spend.",
      "route": "Earns Miles & More miles directly.",
      "note": "EUR 5.50 monthly card price annualized. Miles remain unlimited while an eligible Blue Business card is held.",
      "url": "https://www.miles-and-more-kreditkarte.com/de/unternehmen/kreditkartenvergleich.html",
      "status": "Official product indexed; confirm current terms before applying",
      "verified": true,
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "mileageSource": "https://www.miles-and-more-kreditkarte.com/de/unternehmen/kreditkartenvergleich.html",
      "type": "Business credit card",
      "eligibility": "For self-employed applicants, freelancers and companies using a business account; Deutsche Bank underwriting applies.",
      "image": "public/assets/cards/mm-blue-business.png",
      "imageSource": "https://www.miles-and-more-kreditkarte.com/de/selbststaendige/kreditkarten/miles-and-more-blue-credit-card-business.html",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": "Miles are protected from expiry while an eligible Blue Business card remains active, subject to programme terms.",
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "verifiedAt": "2026-10-13",
      "calculatorDisabled": true,
      "imageOriginal": "https://www.miles-and-more-kreditkarte.com/dam/milesandmore/bilder/privatkunden/kreditkarten/Blue.PNG"
    },
    {
      "id": "mm-gold-business",
      "country": "DE",
      "issuer": "Deutsche Bank",
      "name": "Miles & More Gold Credit Card Business",
      "fee": 138,
      "currency": "EUR",
      "reward": "Miles & More miles",
      "rate": 1,
      "earn": "1 mile per EUR 1 eligible business card spend.",
      "route": "Earns Miles & More miles directly.",
      "note": "EUR 11.50 monthly card price annualized. Miles remain unlimited while an eligible Gold Business card is held.",
      "url": "https://www.miles-and-more-kreditkarte.com/de/unternehmen/kreditkartenvergleich.html",
      "status": "Official product indexed; confirm current terms before applying",
      "verified": true,
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "mileageSource": "https://www.miles-and-more-kreditkarte.com/de/unternehmen/kreditkartenvergleich.html",
      "type": "Business credit card",
      "eligibility": "For self-employed applicants, freelancers and companies using a business account; Deutsche Bank underwriting applies.",
      "image": "public/assets/cards/mm-gold-business.png",
      "imageSource": "https://www.miles-and-more-kreditkarte.com/de/selbststaendige/kreditkarten/miles-and-more-gold-credit-card-business.html",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": "Miles are protected from expiry while an eligible Gold Business card remains active, subject to programme terms.",
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "verifiedAt": "2026-10-13",
      "calculatorDisabled": true,
      "imageOriginal": "https://www.miles-and-more-kreditkarte.com/dam/milesandmore/bilder/privatkunden/kreditkarten/Gold.PNG"
    },
    {
      "id": "mm-frequent-traveller",
      "country": "DE",
      "issuer": "Deutsche Bank",
      "name": "Lufthansa Frequent Traveller Credit Card",
      "fee": 64.92,
      "currency": "EUR",
      "reward": "Miles & More miles",
      "rate": 0.5,
      "earn": "0.5 Miles & More miles per EUR 1 eligible spend.",
      "route": "Earns Miles & More miles directly.",
      "note": "EUR 5.41 monthly price annualized. Status eligibility is mandatory.",
      "url": "https://www.miles-and-more-kreditkarte.com/de/privatkunden/kreditkarten-fuer-vielfliegende/lufthansa-frequent-traveller-credit-card.html",
      "status": "Official product indexed; restricted eligibility applies",
      "verified": true,
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "mileageSource": "https://www.miles-and-more-kreditkarte.com/de/privatkunden/kreditkarten-fuer-vielfliegende/lufthansa-frequent-traveller-credit-card.html",
      "type": "Status personal credit card",
      "eligibility": "Only for current Miles & More Frequent Traveller status holders; Deutsche Bank underwriting applies.",
      "image": "public/assets/cards/mm-frequent-traveller.png",
      "imageSource": "https://www.miles-and-more-kreditkarte.com/de/privatkunden/kreditkarten-fuer-vielfliegende/lufthansa-frequent-traveller-credit-card.html",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": "Miles are protected from expiry while the eligible status card remains active, subject to programme terms.",
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "verifiedAt": "2026-10-13",
      "calculatorDisabled": true,
      "imageOriginal": "https://www.miles-and-more-kreditkarte.com/dam/milesandmore/bilder/privatkunden/kreditkarten/64px-rand/D4120A_CC_DB_Digitale_Karten_R-Ecken_FTL_1536x969px_Variante_B_Rand64px.png"
    },
    {
      "id": "mm-senator",
      "country": "DE",
      "issuer": "Deutsche Bank",
      "name": "Lufthansa Senator Credit Card",
      "fee": 0,
      "currency": "EUR",
      "reward": "Miles & More miles",
      "rate": 0.5,
      "earn": "0.5 Miles & More miles per EUR 1 eligible spend.",
      "route": "Earns Miles & More miles directly.",
      "note": "No monthly card price while eligible Senator status is held.",
      "url": "https://www.miles-and-more-kreditkarte.com/de/privatkunden/kreditkarten-fuer-vielfliegende/lufthansa-senator-credit-card.html",
      "status": "Official product indexed; restricted eligibility applies",
      "verified": true,
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "mileageSource": "https://www.miles-and-more-kreditkarte.com/de/privatkunden/kreditkarten-fuer-vielfliegende/lufthansa-senator-credit-card.html",
      "type": "Status personal credit card",
      "eligibility": "Only for current Miles & More Senator status holders; Deutsche Bank underwriting applies.",
      "image": "public/assets/cards/mm-senator.png",
      "imageSource": "https://www.miles-and-more-kreditkarte.com/de/privatkunden/kreditkarten-fuer-vielfliegende/lufthansa-senator-credit-card.html",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": "Miles are protected from expiry while the eligible status card remains active, subject to programme terms.",
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "verifiedAt": "2026-10-13",
      "calculatorDisabled": true,
      "imageOriginal": "https://www.miles-and-more-kreditkarte.com/dam/milesandmore/bilder/privatkunden/kreditkarten/64px-rand/D4120A_CC_DB_Digitale_Karten_R-Ecken_SEN_1536x969px_Variante_B_Rand64px.png"
    },
    {
      "id": "mm-hon-circle",
      "country": "DE",
      "issuer": "Deutsche Bank",
      "name": "Lufthansa HON Circle Credit Card",
      "fee": 0,
      "currency": "EUR",
      "reward": "Miles & More miles",
      "rate": 0.5,
      "earn": "0.5 Miles & More miles per EUR 1 eligible spend.",
      "route": "Earns Miles & More miles directly.",
      "note": "No monthly card price while eligible HON Circle status is held.",
      "url": "https://www.miles-and-more-kreditkarte.com/de/privatkunden/kreditkarten-fuer-vielfliegende/lufthansa-hon-circle-credit-card.html",
      "status": "Official product indexed; restricted eligibility applies",
      "verified": true,
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "mileageSource": "https://www.miles-and-more-kreditkarte.com/de/privatkunden/kreditkarten-fuer-vielfliegende/lufthansa-hon-circle-credit-card.html",
      "type": "Status personal credit card",
      "eligibility": "Only for current Miles & More HON Circle status holders; Deutsche Bank underwriting applies.",
      "image": "public/assets/cards/mm-hon-circle.png",
      "imageSource": "https://www.miles-and-more-kreditkarte.com/de/privatkunden/kreditkarten-fuer-vielfliegende/lufthansa-hon-circle-credit-card.html",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": "Miles are protected from expiry while the eligible status card remains active, subject to programme terms.",
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "verifiedAt": "2026-10-13",
      "calculatorDisabled": true,
      "imageOriginal": "https://www.miles-and-more-kreditkarte.com/dam/milesandmore/bilder/privatkunden/kreditkarten/64px-rand/D4120A_CC_DB_Digitale_Karten_R-Ecken_HON_1536x969px_Variante_B_Rand64px.png"
    },
    {
      "id": "mm-frequent-traveller-business",
      "country": "DE",
      "issuer": "Deutsche Bank",
      "name": "Lufthansa Frequent Traveller Credit Card Business",
      "fee": 64.92,
      "currency": "EUR",
      "reward": "Miles & More miles",
      "rate": 1,
      "earn": "1 Miles & More mile per EUR 1 eligible spend.",
      "route": "Earns Miles & More miles directly.",
      "note": "EUR 5.41 monthly price annualized. Current issuance mechanics may use a Gold Business card plus a separate status service card.",
      "url": "https://www.miles-and-more-kreditkarte.com/de/selbststaendige/kreditkarten-fuer-vielfliegende/lufthansa-frequent-traveller-credit-card-business/kartenleistungen.html",
      "status": "Official product indexed; restricted eligibility applies",
      "verified": true,
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "mileageSource": "https://www.miles-and-more-kreditkarte.com/de/selbststaendige/kreditkarten-fuer-vielfliegende/lufthansa-frequent-traveller-credit-card-business/kartenleistungen.html",
      "type": "Status business credit card",
      "eligibility": "For self-employed or business applicants with current Frequent Traveller status; business spending only.",
      "image": "public/assets/cards/mm-frequent-traveller-business.png",
      "imageSource": "https://www.miles-and-more-kreditkarte.com/de/selbststaendige/kreditkarten-fuer-vielfliegende/lufthansa-frequent-traveller-credit-card-business.html",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": "Miles are protected from expiry while the eligible status card remains active, subject to programme terms.",
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "verifiedAt": "2026-10-13",
      "calculatorDisabled": true,
      "imageOriginal": "https://www.miles-and-more-kreditkarte.com/dam/milesandmore/bilder/privatkunden/kreditkarten/64px-rand/D4120A_CC_DB_Digitale_Karten_R-Ecken_FTL_1536x969px_Variante_B_Rand64px.png"
    },
    {
      "id": "mm-senator-business",
      "country": "DE",
      "issuer": "Deutsche Bank",
      "name": "Lufthansa Senator Credit Card Business",
      "fee": 0,
      "currency": "EUR",
      "reward": "Miles & More miles",
      "rate": 1,
      "earn": "1 Miles & More mile per EUR 1 eligible spend.",
      "route": "Earns Miles & More miles directly.",
      "note": "Fee is credited for eligible status holders. Current issuance mechanics may use a Gold Business card plus a separate status service card.",
      "url": "https://www.miles-and-more-kreditkarte.com/de/selbststaendige/kreditkarten-fuer-vielfliegende/lufthansa-senator-credit-card-business/kartenleistungen.html",
      "status": "Official product indexed; restricted eligibility applies",
      "verified": true,
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "mileageSource": "https://www.miles-and-more-kreditkarte.com/de/selbststaendige/kreditkarten-fuer-vielfliegende/lufthansa-senator-credit-card-business/kartenleistungen.html",
      "type": "Status business credit card",
      "eligibility": "For self-employed or business applicants with current Senator status; business spending only.",
      "image": "public/assets/cards/mm-senator-business.png",
      "imageSource": "https://www.miles-and-more-kreditkarte.com/de/selbststaendige/kreditkarten-fuer-vielfliegende/lufthansa-senator-credit-card-business.html",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": "Miles are protected from expiry while the eligible status card remains active, subject to programme terms.",
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "verifiedAt": "2026-10-13",
      "calculatorDisabled": true,
      "imageOriginal": "https://www.miles-and-more-kreditkarte.com/dam/milesandmore/bilder/privatkunden/kreditkarten/64px-rand/D4120A_CC_DB_Digitale_Karten_R-Ecken_SEN_1536x969px_Variante_B_Rand64px.png"
    },
    {
      "id": "mm-hon-circle-business",
      "country": "DE",
      "issuer": "Deutsche Bank",
      "name": "Lufthansa HON Circle Credit Card Business",
      "fee": 0,
      "currency": "EUR",
      "reward": "Miles & More miles",
      "rate": 1,
      "earn": "1 Miles & More mile per EUR 1 eligible spend.",
      "route": "Earns Miles & More miles directly.",
      "note": "Fee is credited for eligible status holders. Current issuance mechanics may use a Gold Business card plus a separate status service card.",
      "url": "https://www.miles-and-more-kreditkarte.com/de/selbststaendige/kreditkarten-fuer-vielfliegende/lufthansa-hon-circle-credit-card-business/kartenleistungen.html",
      "status": "Official product indexed; restricted eligibility applies",
      "verified": true,
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "mileageSource": "https://www.miles-and-more-kreditkarte.com/de/selbststaendige/kreditkarten-fuer-vielfliegende/lufthansa-hon-circle-credit-card-business/kartenleistungen.html",
      "type": "Status business credit card",
      "eligibility": "For self-employed or business applicants with current HON Circle status; business spending only.",
      "image": "public/assets/cards/mm-hon-circle-business.png",
      "imageSource": "https://www.miles-and-more-kreditkarte.com/de/selbststaendige/kreditkarten-fuer-vielfliegende/lufthansa-hon-circle-credit-card-business.html",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": "Miles are protected from expiry while the eligible status card remains active, subject to programme terms.",
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "verifiedAt": "2026-10-13",
      "calculatorDisabled": true,
      "imageOriginal": "https://www.miles-and-more-kreditkarte.com/dam/milesandmore/bilder/privatkunden/kreditkarten/64px-rand/D4120A_CC_DB_Digitale_Karten_R-Ecken_HON_1536x969px_Variante_B_Rand64px.png"
    },
    {
      "id": "hilton-honors-de",
      "country": "DE",
      "issuer": "Advanzia Bank / Hilton",
      "name": "Hilton Honors Credit Card",
      "fee": 72,
      "currency": "EUR",
      "reward": "Hilton Honors points",
      "rate": 1,
      "earn": "1 Hilton Honors point per EUR 1 eligible everyday spend; 2 points per EUR 1 at eligible Hilton hotels.",
      "route": "Via Hilton Honors points; airline exchanges use Hilton partner rules and generally offer lower value than hotel redemptions.",
      "note": "EUR 6 monthly fee annualized. Included because Hilton Honors has an established airline-exchange route; the card primarily earns hotel points.",
      "url": "https://www.hilton.com/de/p/hilton-honors/credit-cards/advanzia/",
      "status": "Official product indexed; restricted eligibility applies",
      "verified": true,
      "mileageEligible": true,
      "mileageRoute": "Via hotel points",
      "mileageSource": "https://www.hilton.com/de/p/hilton-honors/credit-cards/advanzia/",
      "type": "Personal credit card",
      "eligibility": "Available to eligible applicants in Germany; Advanzia underwriting and identification requirements apply.",
      "image": null,
      "imageSource": null,
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "verifiedAt": "2026-10-13",
      "calculatorDisabled": true
    },
    {
      "country": "GB",
      "id": "gb-ba-premium",
      "name": "British Airways American Express Premium Plus Card",
      "issuer": "American Express",
      "fee": 300,
      "currency": "GBP",
      "reward": "Avios",
      "earn": "Published purchase earning: 1.25 Avios per GBP 1.",
      "url": "https://www.americanexpress.com/en-gb/credit-cards/ba-premium-plus-credit-card/",
      "route": "Direct British Airways Club Avios. Crediting timing and expiry still require verification.",
      "rate": 1.25,
      "eligibility": "Age 18+, permanent UK home address, UK bank/building society account, no bad-debt history and annual income of at least GBP 35,000.",
      "type": "Personal credit card",
      "mileageRoute": "Direct miles",
      "status": "Listed for new applications; confirm approval",
      "verified": false,
      "mileageEligible": true,
      "mileageSource": "https://www.americanexpress.com/en-gb/credit-cards/ba-premium-plus-credit-card/",
      "note": "First-year pricing, waivers, exclusions, transaction rounding and expiry have not been fully verified. No welcome offer is modeled.",
      "image": "https://icm.aexp-static.com/Internet/internationalcardshop/en_gb/images/cards/UK_AXP_British_Airways_American_Express_Premium_Plus_Card.png",
      "imageSource": "https://www.americanexpress.com/en-gb/credit-cards/ba-premium-plus-credit-card/",
      "special": [],
      "income": null,
      "verifiedAt": "2026-10-12",
      "calculatorDisabled": true,
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [
        "British Airways Club"
      ],
      "programIds": [
        "ba"
      ]
    },
    {
      "country": "GB",
      "id": "gb-ba-free",
      "name": "British Airways American Express Credit Card",
      "issuer": "American Express",
      "fee": 0,
      "currency": "GBP",
      "reward": "Avios",
      "earn": "1 Avios per GBP 1 of eligible everyday purchases. Exclusions and transaction rounding apply.",
      "url": "https://www.americanexpress.com/en-gb/credit-cards/ba-credit-card/",
      "route": "British Airways Club Avios credited to the linked account.",
      "rate": 1,
      "eligibility": "Age 18+, permanent UK home address and a UK bank/building society account. Credit approval and product-specific income requirements apply; confirm the current product checklist.",
      "type": "Personal credit card",
      "mileageRoute": "Direct miles",
      "status": "Listed for new applications; confirm approval",
      "verified": true,
      "mileageEligible": true,
      "mileageSource": "https://www.americanexpress.com/en-gb/credit-cards/ba-credit-card/",
      "note": "Eligibility, excluded transactions, rounding and full reward terms remain partially researched. Welcome offers are not modeled.",
      "image": "https://icm.aexp-static.com/Internet/internationalcardshop/en_gb/images/cards/UK_AXP_British_Airways_American_Express_Credit_Card.png",
      "imageSource": "https://www.americanexpress.com/en-gb/credit-cards/ba-credit-card/",
      "special": [],
      "income": null,
      "verifiedAt": "2026-10-12",
      "calculatorDisabled": true,
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [
        "British Airways Club"
      ],
      "programIds": [
        "ba"
      ]
    },
    {
      "country": "GB",
      "id": "gb-amex-gold",
      "name": "American Express Preferred Rewards Gold Credit Card",
      "issuer": "American Express",
      "fee": 195,
      "currency": "GBP",
      "reward": "Membership Rewards",
      "earn": "1 Membership Rewards point/GBP on everyday purchases; 2/GBP on direct airline or foreign-currency purchases; 3/GBP at Amex Travel. Spending bonuses have separate annual limits.",
      "url": "https://www.americanexpress.com/en-gb/credit-cards/gold-credit-card/",
      "route": "UK Membership Rewards transfer to airline programs. Verified examples: British Airways Club 1:1 (minimum 1,000 points; increments of 500; estimated instant after account linking), Cathay 1:1 (minimum 1,000; increments of 500; estimated 3 working days). Other partners have their own rules.",
      "rate": 1,
      "eligibility": "Age 18+, permanent UK home address and a UK bank/building society account. Credit approval and product-specific income requirements apply; confirm the current product checklist.",
      "type": "Personal credit card",
      "mileageRoute": "Bank points",
      "status": "Listed for new applications; confirm approval",
      "verified": true,
      "mileageEligible": true,
      "mileageSource": "https://www.americanexpress.com/en-gb/rewards/membership-rewards/travel/airlines/",
      "note": "Published spending bonus: 5,000 points per GBP 10,000, capped at 10,000 bonus points/year. Category overlap, exclusions and transaction rounding are not modeled.",
      "image": "https://icm.aexp-static.com/Internet/internationalcardshop/en_gb/images/cards/UK_AXP_Preferred_Rewards_Gold_Card.png",
      "imageSource": "https://www.americanexpress.com/en-gb/credit-cards/gold-credit-card/",
      "special": [],
      "income": null,
      "verifiedAt": "2026-10-12",
      "calculatorDisabled": true,
      "firstYearFee": 0,
      "feeWaiver": "GBP 0 first year; standard GBP 195 thereafter.",
      "rounding": null,
      "pointsExpiry": "No scheduled expiry while the qualifying Membership Rewards account remains eligible; check account-closure terms.",
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [
        "British Airways Club",
        "Cathay"
      ],
      "programIds": [
        "ba",
        "cathay"
      ],
      "extra": "https://www.americanexpress.com/en-gb/rewards/membership-rewards/travel/airlines/",
      "transfers": [
        {
          "program": "British Airways Club",
          "points": 1,
          "miles": 1,
          "minimumPoints": 1000,
          "increment": 500,
          "processing": "Estimated instant after linking; new enrollment may add 3 working days",
          "source": "https://www.americanexpress.com/en-gb/rewards/membership-rewards/travel/airlines/"
        },
        {
          "program": "Cathay",
          "points": 1,
          "miles": 1,
          "minimumPoints": 1000,
          "increment": 500,
          "processing": "Estimated 3 working days",
          "source": "https://www.americanexpress.com/en-gb/rewards/membership-rewards/travel/airlines/"
        }
      ]
    },
    {
      "country": "GB",
      "id": "gb-amex-platinum",
      "name": "The Platinum Card — UK Credit Card",
      "issuer": "American Express",
      "fee": 650,
      "currency": "GBP",
      "reward": "Membership Rewards",
      "earn": "1 Membership Rewards point/GBP on everyday purchases; 2/GBP at Amex Travel Online. Exclusions and rounding apply.",
      "url": "https://www.americanexpress.com/en-gb/credit-cards/platinum-card/",
      "route": "UK Membership Rewards transfer to airline programs; British Airways Club and Cathay examples are recorded separately. Do not apply UK transfer ratios to other countries.",
      "rate": 1,
      "eligibility": "Age 18+, permanent UK home address and a UK bank/building society account. Credit approval and product-specific income requirements apply; confirm the current product checklist.",
      "type": "Personal credit card",
      "mileageRoute": "Bank points",
      "status": "Listed for new applications; confirm approval",
      "verified": true,
      "mileageEligible": true,
      "mileageSource": "https://www.americanexpress.com/en-gb/rewards/membership-rewards/travel/airlines/",
      "note": "Eligibility, excluded transactions, rounding and full reward terms remain partially researched. Welcome offers are not modeled.",
      "image": "https://icm.aexp-static.com/Internet/internationalcardshop/en_gb/images/cards/UK_AXP_Platinum.png",
      "imageSource": "https://www.americanexpress.com/en-gb/credit-cards/platinum-card/",
      "special": [],
      "income": null,
      "verifiedAt": "2026-10-12",
      "calculatorDisabled": true,
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": "No scheduled expiry while the qualifying Membership Rewards account remains eligible; check account-closure terms.",
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [
        "British Airways Club",
        "Cathay"
      ],
      "programIds": [
        "ba",
        "cathay"
      ],
      "extra": "https://www.americanexpress.com/en-gb/rewards/membership-rewards/travel/airlines/",
      "transfers": [
        {
          "program": "British Airways Club",
          "points": 1,
          "miles": 1,
          "minimumPoints": 1000,
          "increment": 500,
          "processing": "Estimated instant after linking; new enrollment may add 3 working days",
          "source": "https://www.americanexpress.com/en-gb/rewards/membership-rewards/travel/airlines/"
        },
        {
          "program": "Cathay",
          "points": 1,
          "miles": 1,
          "minimumPoints": 1000,
          "increment": 500,
          "processing": "Estimated 3 working days",
          "source": "https://www.americanexpress.com/en-gb/rewards/membership-rewards/travel/airlines/"
        }
      ]
    },
    {
      "country": "GB",
      "id": "gb-virgin-reward",
      "name": "Virgin Atlantic Reward Credit Card",
      "issuer": "Virgin Money",
      "fee": 0,
      "currency": "GBP",
      "reward": "Virgin Points",
      "earn": "0.75 Virgin Points/GBP on eligible purchases; 1.5/GBP directly with Virgin Atlantic or Virgin Holidays. Check limits and exclusions.",
      "url": "https://uk.virginmoney.com/cards/products/vaa-cards/",
      "route": "Direct Virgin Points credited to the linked Flying Club account. Reward vouchers and Tier Points are separate benefits.",
      "rate": 0.75,
      "eligibility": "UK residency and issuer credit approval required. Confirm age, income, identity, bank-account and credit-history requirements with the issuer; no numeric minimum is verified for this record.",
      "type": "Personal credit card",
      "mileageRoute": "Direct miles",
      "status": "Listed for new applications; confirm approval",
      "verified": true,
      "mileageEligible": true,
      "mileageSource": "https://uk.virginmoney.com/cards/products/vaa-cards/product-switch/",
      "note": "Reward voucher spending threshold: GBP 20,000 per card year. Voucher usage, points earning caps and transaction rounding require the applicable terms; calculator disabled.",
      "image": "public/assets/cards/gb-virgin-reward.png",
      "imageSource": "https://uk.virginmoney.com/cards/products/vaa-cards/",
      "special": [],
      "income": null,
      "verifiedAt": "2026-10-12",
      "calculatorDisabled": true,
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": "Virgin Points do not expire; Flying Club membership/status rules are separate.",
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [
        "Virgin Atlantic Flying Club"
      ],
      "programIds": [
        "virgin"
      ],
      "extra": "https://uk.virginmoney.com/cards/products/vaa-cards/product-switch/",
      "imageOriginal": "https://uk.virginmoney.com/downloads/images/creditcards/582B17A6-DF81-478A-BBFE-5C2951665D0B.png"
    },
    {
      "country": "GB",
      "id": "gb-virgin-plus",
      "name": "Virgin Atlantic Reward+ Credit Card",
      "issuer": "Virgin Money",
      "fee": 160,
      "currency": "GBP",
      "reward": "Virgin Points",
      "earn": "1.5 Virgin Points/GBP on eligible purchases; 3/GBP directly with Virgin Atlantic or Virgin Holidays. Check limits and exclusions.",
      "url": "https://uk.virginmoney.com/cards/products/vaa-cards/",
      "route": "Direct Virgin Points credited to the linked Flying Club account. Reward vouchers and Tier Points are separate benefits.",
      "rate": 1.5,
      "eligibility": "UK residency and issuer credit approval required. Confirm age, income, identity, bank-account and credit-history requirements with the issuer; no numeric minimum is verified for this record.",
      "type": "Personal credit card",
      "mileageRoute": "Direct miles",
      "status": "Listed for new applications; confirm approval",
      "verified": true,
      "mileageEligible": true,
      "mileageSource": "https://uk.virginmoney.com/cards/products/vaa-cards/product-switch/",
      "note": "Reward voucher spending threshold: GBP 10,000 per card year. Voucher usage, points earning caps and transaction rounding require the applicable terms; calculator disabled.",
      "image": "https://uk.virginmoney.com/img/img_virgin_altantic_reward_plus_credit_card_254x160px.png",
      "imageSource": "https://uk.virginmoney.com/cards/products/vaa-cards/product-switch/",
      "special": [],
      "income": null,
      "verifiedAt": "2026-10-12",
      "calculatorDisabled": true,
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": "Virgin Points do not expire; Flying Club membership/status rules are separate.",
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [
        "Virgin Atlantic Flying Club"
      ],
      "programIds": [
        "virgin"
      ],
      "extra": "https://uk.virginmoney.com/cards/products/vaa-cards/product-switch/"
    },
    {
      "country": "GB",
      "id": "gb-barclay-avios",
      "name": "Barclaycard Avios",
      "issuer": "Barclaycard",
      "fee": 0,
      "currency": "GBP",
      "reward": "Avios",
      "earn": "1 Avios per GBP 1 of eligible everyday purchases. Exclusions and transaction rounding apply.",
      "url": "https://www.barclays.co.uk/credit-cards/avios-cards/barclaycard-avios/",
      "route": "Direct British Airways Club Avios. This card is separate from the paid Barclays Avios Rewards bank-account service.",
      "rate": 1,
      "eligibility": "UK residency and issuer credit approval required. Confirm age, income, identity, bank-account and credit-history requirements with the issuer; no numeric minimum is verified for this record.",
      "type": "Personal credit card",
      "mileageRoute": "Direct miles",
      "status": "Listed for new applications; confirm approval",
      "verified": true,
      "mileageEligible": true,
      "mileageSource": "https://www.barclays.co.uk/credit-cards/avios-cards/barclaycard-avios/",
      "note": "Eligibility, excluded transactions, rounding and full reward terms remain partially researched. Welcome offers are not modeled.",
      "image": null,
      "imageSource": null,
      "special": [],
      "income": null,
      "verifiedAt": "2026-10-12",
      "calculatorDisabled": true,
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [
        "British Airways Club"
      ],
      "programIds": [
        "ba"
      ],
      "extra": "https://www.barclaycard.co.uk/personal/customer/how-to-collect-and-spend-avios"
    },
    {
      "country": "GB",
      "id": "gb-barclay-plus",
      "name": "Barclaycard Avios Plus",
      "issuer": "Barclaycard",
      "fee": 240,
      "currency": "GBP",
      "reward": "Avios",
      "earn": "1.5 Avios per GBP 1 of eligible everyday purchases. Exclusions and transaction rounding apply.",
      "url": "https://www.barclays.co.uk/credit-cards/avios-cards/barclaycard-avios-plus/",
      "route": "Direct British Airways Club Avios. GBP 20 monthly fee annualized to GBP 240; bank-account bundles and rebates are separate.",
      "rate": 1.5,
      "eligibility": "UK residency and issuer credit approval required. Confirm age, income, identity, bank-account and credit-history requirements with the issuer; no numeric minimum is verified for this record.",
      "type": "Personal credit card",
      "mileageRoute": "Direct miles",
      "status": "Listed for new applications; confirm approval",
      "verified": true,
      "mileageEligible": true,
      "mileageSource": "https://www.barclays.co.uk/credit-cards/avios-cards/barclaycard-avios-plus/",
      "note": "Eligibility, excluded transactions, rounding and full reward terms remain partially researched. Welcome offers are not modeled.",
      "image": null,
      "imageSource": null,
      "special": [],
      "income": null,
      "verifiedAt": "2026-10-12",
      "calculatorDisabled": true,
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [
        "British Airways Club"
      ],
      "programIds": [
        "ba"
      ],
      "extra": "https://www.barclaycard.co.uk/personal/customer/how-to-collect-and-spend-avios"
    },
    {
      "type": "Personal credit card",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": "Points rounded to the nearest whole point under the rewards rules.",
      "pointsExpiry": "Normally 3 years from the end of the calendar month in which points were earned. Closing the account forfeits unused points.",
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": "HSBC normally processes the request within 1 day; airline crediting can take longer and is not guaranteed within that day.",
      "partners": [
        "British Airways Club",
        "Emirates Skywards",
        "Etihad Guest",
        "Qatar Airways Privilege Club",
        "Air India Maharaja Club"
      ],
      "verifiedAt": "2026-10-14",
      "calculatorDisabled": true,
      "mileageEligible": true,
      "status": "Official product indexed; confirm current terms",
      "verified": true,
      "image": "public/assets/cards/gb-hsbc-premier.png",
      "imageSource": "https://www.hsbc.co.uk/credit-cards/products/premier/",
      "extra": "https://www.hsbc.co.uk/content/dam/hsbc/gb/pdf/credit-cards/reward-programme-rules-hsbc.pdf",
      "eligibility": "UK resident aged over 18 with an HSBC Premier Account, subject to affordability and credit approval. Premier banking eligibility applies separately.",
      "id": "gb-hsbc-premier",
      "country": "GB",
      "issuer": "HSBC UK",
      "name": "Premier Credit Card",
      "fee": 0,
      "currency": "GBP",
      "reward": "HSBC Reward Points",
      "rate": 1.5,
      "earn": "1.5 Reward Points per GBP 1 eligible sterling spend; 2 per GBP 1 in another currency (foreign transaction fee applies).",
      "route": "Primary Premier cardholders can convert points to participating airline programmes through HSBC Mobile Banking or the Loyalty Portal. Transfer only to a programme account in your own matching name. Confirm each current ratio and minimum before transfer.",
      "mileageRoute": "Bank points",
      "url": "https://www.hsbc.co.uk/credit-cards/products/premier/",
      "mileageSource": "https://www.hsbc.co.uk/credit-cards/products/premier/",
      "note": "Requires an HSBC Premier account. Airline conversion ratios and minimums must be checked before transfer.",
      "programIds": [
        "ba",
        "qatar"
      ],
      "earningSource": "https://www.hsbc.co.uk/credit-cards/products/premier/",
      "verificationScope": "Current card fee, sterling/non-sterling earning, named airline routes, bank-account eligibility, point expiry and transfer processing checked. Partner-specific ratios and minimums not fully verified.",
      "imageOriginal": "https://www.hsbc.co.uk/content/dam/hsbc/gb/images/16-9/19267-premier-world-card-2000x1125.jpg/jcr:content/renditions/cq5dam.web.1680.1000.jpeg"
    },
    {
      "type": "Personal credit card",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": "Points rounded to the nearest whole point under the rewards rules.",
      "pointsExpiry": "Normally 3 years from the end of the calendar month in which points were earned. Closing the account forfeits unused points.",
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": "HSBC normally processes the request within 1 day; airline crediting can take longer and is not guaranteed within that day.",
      "partners": [
        "British Airways Club",
        "Emirates Skywards",
        "Etihad Guest",
        "Qatar Airways Privilege Club",
        "Air India Maharaja Club"
      ],
      "verifiedAt": "2026-10-14",
      "calculatorDisabled": true,
      "mileageEligible": true,
      "status": "Official product indexed; confirm current terms",
      "verified": true,
      "image": null,
      "imageSource": null,
      "extra": "https://www.hsbc.co.uk/content/dam/hsbc/gb/pdf/credit-cards/reward-programme-rules-hsbc.pdf",
      "eligibility": "UK resident aged over 18 with an HSBC Premier Account, subject to affordability and credit approval. Premier banking eligibility applies separately.",
      "id": "gb-hsbc-premier-world-elite",
      "country": "GB",
      "issuer": "HSBC UK",
      "name": "Premier World Elite Mastercard",
      "fee": 290,
      "currency": "GBP",
      "reward": "HSBC Reward Points",
      "rate": 3,
      "earn": "3 Reward Points per GBP 1 eligible sterling spend; 4 per GBP 1 in another currency (foreign transaction fee applies).",
      "route": "Primary Premier cardholders can convert points to participating airline programmes through HSBC Mobile Banking or the Loyalty Portal. Transfer only to a programme account in your own matching name. Confirm each current ratio and minimum before transfer.",
      "mileageRoute": "Bank points",
      "url": "https://www.hsbc.co.uk/credit-cards/products/premier-world-elite/",
      "mileageSource": "https://www.hsbc.co.uk/credit-cards/premier-credit-cards/",
      "note": "Requires an HSBC Premier account. Standard annual fee recorded from the official representative example.",
      "programIds": [
        "ba",
        "qatar"
      ],
      "earningSource": "https://www.hsbc.co.uk/credit-cards/products/premier-world-elite/",
      "verificationScope": "Current card fee, sterling/non-sterling earning, named airline routes, bank-account eligibility, point expiry and transfer processing checked. Partner-specific ratios and minimums not fully verified."
    },
    {
      "country": "CA",
      "id": "ca-cobalt",
      "name": "American Express Cobalt Card",
      "issuer": "American Express",
      "fee": 191.88,
      "currency": "CAD",
      "reward": "Membership Rewards",
      "earn": "1 Membership Rewards point per CAD 1 other eligible purchases; 5 eligible Canadian food/groceries up to CAD 2,500 monthly, then 1; 3 eligible Canadian streaming; 2 eligible Canadian gas, transit and rideshare.",
      "url": "https://www.americanexpress.com/en-ca/credit-cards/cobalt-card/",
      "route": "Eligible Membership Rewards can transfer to frequent-flyer programs. Partner-specific ratios and minimums are not yet recorded.",
      "rate": 1,
      "eligibility": "Local residency, identification, income and credit approval must be checked with the issuer.",
      "type": "Personal credit card",
      "mileageRoute": "Bank points",
      "status": "Listed for new applications; confirm approval",
      "verified": true,
      "mileageEligible": true,
      "mileageSource": "https://www.americanexpress.com/en-ca/credit-cards/cobalt-card/",
      "note": "The food cap is monthly. Bank points and airline miles remain separate; partner-specific conversion and rounding need review.",
      "image": "https://icm.aexp-static.com/Internet/internationalcardshop/en_ca/images/pdp-uplift/consumer/cobalt-card/Cobalt-card.webp",
      "imageSource": "https://www.americanexpress.com/en-ca/credit-cards/cobalt-card/",
      "special": [],
      "income": null,
      "verifiedAt": "2026-10-14",
      "calculatorDisabled": true,
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "earningSource": "https://www.americanexpress.com/ca/en/benefits/cobalt-card/",
      "verificationScope": "Published fee and/or earning fields checked against the linked official source; remaining terms are partially verified."
    },
    {
      "type": "Personal charge card",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": "Aeroplan points do not expire while you remain the Basic Cardmember and the Aeroplan account is in good standing.",
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "verifiedAt": "2026-10-14",
      "calculatorDisabled": true,
      "mileageEligible": true,
      "status": "Listed on official product website; application subject to approval",
      "verified": true,
      "image": "https://icm.aexp-static.com/Internet/internationalcardshop/en_ca/images/cards/aeroplan-card.png",
      "imageSource": "https://www.americanexpress.com/en-ca/charge-cards/small-business-platinum-card/",
      "extra": null,
      "eligibility": "Local residency, age, income, credit assessment and issuer-specific requirements apply.",
      "id": "ca-amex-aeroplan",
      "country": "CA",
      "issuer": "American Express",
      "name": "Aeroplan Card",
      "fee": 120,
      "currency": "CAD",
      "reward": "Aeroplan points",
      "rate": 1,
      "earn": "1 Aeroplan point per CAD 1 other purchases; 2 on eligible direct Air Canada purchases; 1.5 on eligible Canadian dining and food delivery.",
      "route": "Direct Aeroplan points.",
      "mileageRoute": "Direct miles",
      "url": "https://www.americanexpress.com/en-ca/charge-cards/aeroplan-card/",
      "mileageSource": "https://www.americanexpress.com/en-ca/membership-benefits/aeroplan-card/",
      "note": "Current annual fee is CAD 120. Amex announces CAD 150 for annual fees charged on or after January 12, 2027. Eligible direct Hyatt purchases earn 1.5 points per CAD 1 from July 15, 2026 to July 15, 2029 under the separate offer.",
      "verificationScope": "Official product, mileage route, published fee and earning summary checked. Detailed exclusions and fields marked unverified still need review.",
      "earningSource": "https://www.americanexpress.com/en-ca/membership-benefits/aeroplan-card/",
      "feeSource": "https://www.americanexpress.com/ca/en/credit-cards/aeroplan-cards/compare-cards/?parent=A00000G8CZ"
    },
    {
      "type": "Personal credit card",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": "Aeroplan points do not expire while you remain the Basic Cardmember and the Aeroplan account is in good standing.",
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "verifiedAt": "2026-10-14",
      "calculatorDisabled": true,
      "mileageEligible": true,
      "status": "Listed on official product website; application subject to approval",
      "verified": true,
      "image": "https://icm.aexp-static.com/Internet/internationalcardshop/en_ca/images/cards/aeroplan-reserve-card.png",
      "imageSource": "https://www.americanexpress.com/en-ca/charge-cards/small-business-platinum-card/",
      "extra": null,
      "eligibility": "Local residency, age, income, credit assessment and issuer-specific requirements apply.",
      "id": "ca-amex-aeroplan-reserve",
      "country": "CA",
      "issuer": "American Express",
      "name": "Aeroplan Reserve Card",
      "fee": 599,
      "currency": "CAD",
      "reward": "Aeroplan points",
      "rate": 1.25,
      "earn": "1.25 Aeroplan points per CAD 1 other purchases; 3 on eligible direct Air Canada purchases; 2 on eligible Canadian dining and food delivery.",
      "route": "Direct Aeroplan points.",
      "mileageRoute": "Direct miles",
      "url": "https://www.americanexpress.com/en-ca/membership-benefits/aeroplan-reserve-card/",
      "mileageSource": "https://www.americanexpress.com/en-ca/membership-benefits/aeroplan-reserve-card/",
      "note": "Current annual fee is CAD 599. Amex announces CAD 799 for annual fees charged on or after January 12, 2027. A separate participating-Hyatt offer earns 2 Aeroplan points per CAD 1; check its dates and exclusions.",
      "verificationScope": "Official product, mileage route, published fee and earning summary checked. Detailed exclusions and fields marked unverified still need review.",
      "earningSource": "https://www.americanexpress.com/en-ca/membership-benefits/aeroplan-reserve-card/",
      "feeSource": "https://www.americanexpress.com/ca/en/credit-cards/aeroplan-cards/compare-cards/?parent=A00000G8CZ"
    },
    {
      "type": "Personal credit card",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "verifiedAt": "2026-10-14",
      "calculatorDisabled": true,
      "mileageEligible": true,
      "status": "Official product indexed; confirm current terms",
      "verified": true,
      "image": "public/assets/cards/ca-amex-gold-rewards.jpg",
      "imageSource": "https://www.americanexpress.com/en-ca/credit-cards/gold-rewards-card/",
      "extra": null,
      "eligibility": "Local residency, age, income, credit assessment and issuer-specific requirements apply.",
      "id": "ca-amex-gold-rewards",
      "country": "CA",
      "issuer": "American Express",
      "name": "Gold Rewards Card",
      "fee": 250,
      "currency": "CAD",
      "reward": "Membership Rewards points",
      "rate": 1,
      "earn": "1 Membership Rewards point per CAD 1 other eligible purchases; 2 per CAD 1 eligible travel and Canadian gas, grocery and drugstore purchases.",
      "route": "Eligible Membership Rewards points can transfer to participating airline programs.",
      "mileageRoute": "Bank points",
      "url": "https://www.americanexpress.com/en-ca/credit-cards/gold-rewards-card/",
      "mileageSource": "https://www.americanexpress.com/en-ca/rewards/membership-rewards/",
      "note": "Transfer eligibility varies by Canadian Membership Rewards product.",
      "earningSource": "https://www.americanexpress.com/en-ca/credit-cards/gold-rewards-card/",
      "verificationScope": "Recurring fee and published earning categories checked; other terms remain incomplete.",
      "imageOriginal": "https://icm.aexp-static.com/Internet/internationalcardshop/en_ca/images/cards/Gold_Rewards_Card.png"
    },
    {
      "type": "Personal charge card with flexible payment option",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "verifiedAt": "2026-10-14",
      "calculatorDisabled": true,
      "mileageEligible": true,
      "status": "Listed on official product website; application subject to approval",
      "verified": true,
      "image": "public/assets/cards/ca-amex-platinum.png",
      "imageSource": "https://www.americanexpress.com/en-ca/charge-cards/the-platinum-card/",
      "extra": "https://www.americanexpress.com/en-ca/credit-cards/all-cards/business/",
      "eligibility": "Local residency, age, income, credit assessment and issuer-specific requirements apply.",
      "id": "ca-amex-platinum",
      "country": "CA",
      "issuer": "American Express",
      "name": "The Platinum Card",
      "fee": 799,
      "currency": "CAD",
      "reward": "Membership Rewards points",
      "rate": 1,
      "earn": "1 Membership Rewards point per CAD 1 other purchases; 2 on eligible Canadian dining and eligible travel.",
      "route": "Eligible Membership Rewards points can transfer to participating airline programs.",
      "mileageRoute": "Bank points",
      "url": "https://www.americanexpress.com/en-ca/charge-cards/the-platinum-card/",
      "mileageSource": "https://www.americanexpress.com/en-ca/rewards/membership-rewards/",
      "note": "Canadian dining excludes groceries. Travel excludes local and commuter transportation. Product-specific merchant coding and third-party payment exclusions apply.",
      "verificationScope": "Official product, mileage route, published fee and earning summary checked. Detailed exclusions and fields marked unverified still need review.",
      "earningSource": "https://www.americanexpress.com/en-ca/benefits/membership-rewards/the-platinum-card/",
      "imageOriginal": "https://icm.aexp-static.com/Internet/internationalcardshop/en_ca/images/cards/The_Platinum_Card.png"
    },
    {
      "type": "Personal credit card",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": "Aeroplan points do not expire while the primary TD Aeroplan cardholder remains in good standing.",
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "verifiedAt": "2026-10-14",
      "calculatorDisabled": true,
      "mileageEligible": true,
      "status": "Official product indexed; confirm current terms",
      "verified": true,
      "image": "public/assets/cards/ca-td-aeroplan-platinum.jpg",
      "imageSource": "https://www.td.com/ca/en/personal-banking/products/credit-cards/aeroplan/aeroplan-visa-platinum-card",
      "extra": null,
      "eligibility": "Local residency, age, income, credit assessment and issuer-specific requirements apply.",
      "id": "ca-td-aeroplan-platinum",
      "country": "CA",
      "issuer": "TD",
      "name": "Aeroplan Visa Platinum Card",
      "fee": 89,
      "currency": "CAD",
      "reward": "Aeroplan points",
      "rate": 0.6666666666666666,
      "earn": "1 Aeroplan point per CAD 1.50 other eligible purchases; 1 per CAD 1 eligible gas, EV charging, groceries and direct Air Canada purchases.",
      "route": "Direct Aeroplan points.",
      "mileageRoute": "Direct miles",
      "url": "https://www.td.com/ca/en/personal-banking/products/credit-cards/aeroplan/aeroplan-visa-platinum-card",
      "mileageSource": "https://www.td.com/ca/en/personal-banking/products/credit-cards/compare-cards",
      "note": "Bonus-category caps and transaction rounding still require review.",
      "earningSource": "https://www.td.com/ca/en/personal-banking/products/credit-cards/aeroplan/aeroplan-visa-platinum-card/",
      "verificationScope": "Published fee and/or earning fields checked against the linked official source; remaining terms are partially verified.",
      "imageOriginal": "https://www.td.com/content/dam/tdct/images/personal-banking/app-banner-1-10-7-en.jpeg"
    },
    {
      "type": "Personal credit card",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "verifiedAt": "2026-10-14",
      "calculatorDisabled": true,
      "mileageEligible": true,
      "status": "Listed on official product website; application subject to approval",
      "verified": true,
      "image": "public/assets/cards/ca-td-aeroplan-infinite.jpg",
      "imageSource": "https://www.td.com/ca/en/personal-banking/products/credit-cards/aeroplan/aeroplan-visa-infinite-card",
      "extra": null,
      "eligibility": "Local residency, age, income, credit assessment and issuer-specific requirements apply.",
      "id": "ca-td-aeroplan-infinite",
      "country": "CA",
      "issuer": "TD",
      "name": "Aeroplan Visa Infinite Card",
      "fee": 139,
      "currency": "CAD",
      "reward": "Aeroplan points",
      "rate": 1,
      "earn": "1 Aeroplan point per CAD 1 other purchases; 1.5 on gas, EV charging, groceries and direct Air Canada, up to CAD 80,000 combined annual purchases in those categories, then 1.",
      "route": "Direct Aeroplan points.",
      "mileageRoute": "Direct miles",
      "url": "https://www.td.com/ca/en/personal-banking/products/credit-cards/aeroplan/aeroplan-visa-infinite-card",
      "mileageSource": "https://www.td.com/ca/en/personal-banking/products/credit-cards/aeroplan/aeroplan-visa-infinite-card",
      "note": "A separate Hyatt offer runs July 15, 2026–July 15, 2029: 1.5 Aeroplan points per CAD 1 eligible Hyatt spend up to CAD 80,000 annually. Its cap is separate from the regular bonus-category cap. Hyatt-program points are a different currency.",
      "verificationScope": "Official product, mileage route, published fee and earning summary checked. Detailed exclusions and fields marked unverified still need review.",
      "earningSource": "https://www.td.com/ca/en/personal-banking/products/credit-cards/aeroplan/aeroplan-visa-infinite-card",
      "imageOriginal": "https://www.td.com/content/dam/tdct/images/personal-banking/aeroplan-infinite-visa-card-fr-comp39-en.jpeg"
    },
    {
      "type": "Personal credit card",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "verifiedAt": "2026-10-14",
      "calculatorDisabled": true,
      "mileageEligible": true,
      "status": "Listed on official product website; application subject to approval",
      "verified": true,
      "image": "public/assets/cards/ca-td-aeroplan-privilege.jpg",
      "imageSource": "https://www.td.com/ca/en/personal-banking/products/credit-cards/aeroplan/aeroplan-visa-infinite-privilege-card",
      "extra": null,
      "eligibility": "Local residency, age, income, credit assessment and issuer-specific requirements apply.",
      "id": "ca-td-aeroplan-privilege",
      "country": "CA",
      "issuer": "TD",
      "name": "Aeroplan Visa Infinite Privilege Card",
      "fee": 599,
      "currency": "CAD",
      "reward": "Aeroplan points",
      "rate": 1.25,
      "earn": "1.25 Aeroplan points per CAD 1 other purchases; 2 direct Air Canada and 1.5 gas, EV charging, groceries, travel/transit and dining, up to CAD 100,000 combined annual bonus-category purchases, then 1.25.",
      "route": "Direct Aeroplan points.",
      "mileageRoute": "Direct miles",
      "url": "https://www.td.com/ca/en/personal-banking/products/credit-cards/aeroplan/aeroplan-visa-infinite-privilege-card",
      "mileageSource": "https://www.td.com/ca/en/personal-banking/products/credit-cards/compare-cards",
      "note": "A separate Hyatt offer runs July 15, 2026–July 15, 2029: 2 Aeroplan points per CAD 1 eligible Hyatt spend up to CAD 100,000 annually. That cap is separate. Additional World of Hyatt points must not be counted as Aeroplan points.",
      "verificationScope": "Official product, mileage route, published fee and earning summary checked. Detailed exclusions and fields marked unverified still need review.",
      "earningSource": "https://www.td.com/ca/en/personal-banking/products/credit-cards/aeroplan/aeroplan-visa-infinite-privilege-card",
      "imageOriginal": "https://www.td.com/content/dam/tdct/images/personal-banking/apip-banner-1-10-7-fr-en.jpeg"
    },
    {
      "type": "Personal credit card",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "verifiedAt": "2026-10-14",
      "calculatorDisabled": true,
      "mileageEligible": true,
      "status": "Official product indexed; confirm current terms",
      "verified": true,
      "image": "public/assets/cards/ca-cibc-aeroplan-visa.png",
      "imageSource": "https://www.cibc.com/en/personal-banking/credit-cards/all-credit-cards/aeroplan-visa-card.html",
      "extra": null,
      "eligibility": "Local residency, age, income, credit assessment and issuer-specific requirements apply.",
      "id": "ca-cibc-aeroplan-visa",
      "country": "CA",
      "issuer": "CIBC",
      "name": "Aeroplan Visa Card",
      "fee": 0,
      "currency": "CAD",
      "reward": "Aeroplan points",
      "rate": 0.6666666666666666,
      "earn": "1 Aeroplan point per CAD 1.50 other eligible purchases. 1 per CAD 1 gas, EV charging, groceries and direct Air Canada; bonus rate applies only within the first CAD 40,000 in total net annual purchases.",
      "route": "Direct Aeroplan points.",
      "mileageRoute": "Direct miles",
      "url": "https://www.cibc.com/en/personal-banking/credit-cards/all-credit-cards/aeroplan-visa-card.html",
      "mileageSource": "https://www.cibc.com/en/personal-banking/credit-cards/all-credit-cards/aeroplan-visa-card.html",
      "note": "Corrected the prior overstated everyday rate. The bonus-category threshold counts total account purchases, not only bonus-category spend.",
      "earningSource": "https://www.cibc.com/content/dam/cibc-public-assets/personal-banking/credit-cards/documents/cibc-credit-card-privacy-disclosures-tc-14266-en.pdf",
      "verificationScope": "Published fee and/or earning fields checked against the linked official source; remaining terms are partially verified.",
      "imageOriginal": "https://www.cibc.com/content/dam/global-assets/card-art/credit-cards/aeroplan-cards/cibc-aeroplan-visa-card/cibc-aeroplan-platinum-en.png/_jcr_content/renditions/cq5dam.web.1280.1280.png"
    },
    {
      "type": "Personal credit card",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "verifiedAt": "2026-10-14",
      "calculatorDisabled": true,
      "mileageEligible": true,
      "status": "Listed on official product website; application subject to approval",
      "verified": true,
      "image": "public/assets/cards/ca-cibc-aeroplan-infinite.png",
      "imageSource": "https://www.cibc.com/en/personal-banking/credit-cards/all-credit-cards/aeroplan-visa-infinite-card.html",
      "extra": null,
      "eligibility": "Minimum annual income CAD 60,000 personal or CAD 100,000 household, plus issuer residency, age, identity and credit-assessment requirements.",
      "id": "ca-cibc-aeroplan-infinite",
      "country": "CA",
      "issuer": "CIBC",
      "name": "Aeroplan Visa Infinite Card",
      "fee": 139,
      "currency": "CAD",
      "reward": "Aeroplan points",
      "rate": 1,
      "earn": "1 Aeroplan point per CAD 1 other purchases; 1.5 on eligible gas, EV charging, groceries and direct Air Canada within the first CAD 80,000 in total annual net purchases, then 1.",
      "route": "Direct Aeroplan points.",
      "mileageRoute": "Direct miles",
      "url": "https://www.cibc.com/en/personal-banking/credit-cards/all-credit-cards/aeroplan-visa-infinite-card.html",
      "mileageSource": "https://www.cibc.com/en/personal-banking/credit-cards/aeroplan-cards.html",
      "note": "The CAD 80,000 threshold includes all purchases by all cardholders, not just bonus categories. The product also advertises a separate 1.5-point Hyatt offer whose detailed limits need review. Annual fee CAD 139.",
      "verificationScope": "Official product, mileage route, published fee and earning summary checked. Detailed exclusions and fields marked unverified still need review.",
      "earningSource": "https://www.cibc.com/en/personal-banking/credit-cards/all-credit-cards/aeroplan-visa-infinite-privilege-card.html?utrc=S229%3A259",
      "imageOriginal": "https://www.cibc.com/content/dam/global-assets/card-art/credit-cards/aeroplan-cards/cibc-aeroplan-visa-infinite-card/cibc-aeroplan-infinite-en.png/_jcr_content/renditions/cq5dam.web.767.767.png"
    },
    {
      "type": "Personal credit card",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "verifiedAt": "2026-10-14",
      "calculatorDisabled": true,
      "mileageEligible": true,
      "status": "Official product indexed; confirm current terms",
      "verified": true,
      "image": "public/assets/cards/ca-cibc-aeroplan-privilege.png",
      "imageSource": "https://www.cibc.com/en/personal-banking/credit-cards/all-credit-cards/aeroplan-visa-infinite-privilege-card.html",
      "extra": null,
      "eligibility": "Minimum annual income CAD 150,000 individual or CAD 200,000 household. Local eligibility and credit approval apply.",
      "id": "ca-cibc-aeroplan-privilege",
      "country": "CA",
      "issuer": "CIBC",
      "name": "Aeroplan Visa Infinite Privilege Card",
      "fee": 599,
      "currency": "CAD",
      "reward": "Aeroplan points",
      "rate": 1.25,
      "earn": "1.25 Aeroplan points per CAD 1 other eligible purchases. Within the first CAD 100,000 total annual net purchases: 2 on direct Air Canada and 1.5 eligible gas, EV charging, groceries, travel and dining; then 1.25.",
      "route": "Direct Aeroplan points.",
      "mileageRoute": "Direct miles",
      "url": "https://www.cibc.com/en/personal-banking/credit-cards/all-credit-cards/aeroplan-visa-infinite-privilege-card.html",
      "mileageSource": "https://www.cibc.com/en/personal-banking/credit-cards/aeroplan-cards.html",
      "note": "Premium personal Aeroplan card; confirm current annual fee and income requirements.",
      "earningSource": "https://www.cibc.com/en/personal-banking/credit-cards/all-credit-cards/aeroplan-visa-infinite-privilege-card.html",
      "verificationScope": "Published fee and/or earning fields checked against the linked official source; remaining terms are partially verified.",
      "imageOriginal": "https://www.cibc.com/content/dam/global-assets/card-art/credit-cards/aeroplan-cards/cibc-aeroplan-visa-infinite-privilege-card/cibc-aeroplan-infinite-privilege-en.png/_jcr_content/renditions/cq5dam.web.1280.1280.png"
    },
    {
      "type": "Personal credit card",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "verifiedAt": "2026-10-14",
      "calculatorDisabled": true,
      "mileageEligible": true,
      "status": "Official product indexed; confirm current terms",
      "verified": true,
      "image": "public/assets/cards/ca-rbc-avion-infinite.webp",
      "imageSource": "https://www.rbcroyalbank.com/credit-cards/travel/rbc-visa-infinite-avion.html",
      "extra": null,
      "eligibility": "Local residency, age, income, credit assessment and issuer-specific requirements apply.",
      "id": "ca-rbc-avion-infinite",
      "country": "CA",
      "issuer": "RBC",
      "name": "Avion Visa Infinite",
      "fee": 120,
      "currency": "CAD",
      "reward": "Avion points",
      "rate": 1,
      "earn": "1 Avion point per CAD 1 eligible purchases. 25% more on eligible travel purchases.",
      "route": "Transfer eligible Avion points to participating airline loyalty programs.",
      "mileageRoute": "Bank points",
      "url": "https://www.rbcroyalbank.com/credit-cards/travel/rbc-visa-infinite-avion.html",
      "mileageSource": "https://www.rbcroyalbank.com/credit-cards/travel/rbc-visa-infinite-avion/rbc-visa-infinite-avion-benefits-guide.pdf",
      "note": "Confirm current transfer partners, ratios and promotional bonuses.",
      "earningSource": "https://www.rbcroyalbank.com/credit-cards/all-credit-cards.html",
      "verificationScope": "Published fee and/or earning fields checked against the linked official source; remaining terms are partially verified.",
      "imageOriginal": "https://www.rbcroyalbank.com/credit-cards/canada/travel/images/rbc-avion-visa-infinite.webp"
    },
    {
      "type": "Personal credit card",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "verifiedAt": "2026-10-14",
      "calculatorDisabled": true,
      "mileageEligible": true,
      "status": "Official product indexed; confirm current terms",
      "verified": true,
      "image": "public/assets/cards/ca-rbc-avion-platinum.webp",
      "imageSource": "https://www.rbcroyalbank.com/credit-cards/travel/avion-rbc-credit-cards.html",
      "extra": null,
      "eligibility": "Local residency, age, income, credit assessment and issuer-specific requirements apply.",
      "id": "ca-rbc-avion-platinum",
      "country": "CA",
      "issuer": "RBC",
      "name": "Avion Visa Platinum",
      "fee": 120,
      "currency": "CAD",
      "reward": "Avion points",
      "rate": 1,
      "earn": "1 Avion point per CAD 1 eligible purchases.",
      "route": "Transfer eligible Avion points to participating airline loyalty programs.",
      "mileageRoute": "Bank points",
      "url": "https://www.rbcroyalbank.com/credit-cards/travel/avion-rbc-credit-cards.html",
      "mileageSource": "https://www.rbcroyalbank.com/credit-cards/travel/avion-rbc-credit-cards.html",
      "note": "Confirm current fee, earning rate and transfer eligibility.",
      "earningSource": "https://www.rbcroyalbank.com/credit-cards/all-credit-cards.html",
      "verificationScope": "Published fee and/or earning fields checked against the linked official source; remaining terms are partially verified.",
      "imageOriginal": "https://www.rbcroyalbank.com/credit-cards/canada/travel/images/rbc-visa-platinum-avion.webp"
    },
    {
      "country": "SG",
      "id": "sg-altitude-visa",
      "name": "DBS Altitude Visa Signature Card",
      "issuer": "DBS",
      "fee": 196.2,
      "currency": "SGD",
      "reward": "DBS Points",
      "earn": "DBS Points equivalent to up to 1.3 miles per SGD 1 local or 2.2 overseas spend: nominally 0.65 or 1.1 DBS Points per dollar, before transaction rounding.",
      "url": "https://www.dbs.com.sg/personal/cards/credit-cards/dbs-altitude-cards",
      "route": "5,000 DBS Points convert to 10,000 KrisFlyer or Asia Miles; 500 points convert to 1,500 AirAsia points.",
      "rate": 0.65,
      "eligibility": "Age 21–75. Singapore citizen/PR income SGD 30,000/year at age 55 or below; SGD 15,000 above 55. Foreigners SGD 45,000/year. ID verification required.",
      "type": "Personal credit card",
      "mileageRoute": "Bank points",
      "status": "Listed for new applications; confirm approval",
      "verified": false,
      "mileageEligible": true,
      "mileageSource": "https://www.dbs.com.sg/personal/cards/credit-cards/dbs-altitude-cards",
      "note": "Annual fee includes GST. Optional KrisFlyer automatic conversion has a separate SGD 43.60 annual participation fee; the ordinary on-demand route uses a per-transfer fee.",
      "image": "https://www.dbs.com.sg/iwov-resources/media/images/redesign/cards/dbs-altitude-card/dbs-altitude-card-card-face-684x630.png",
      "imageSource": "https://www.dbs.com.sg/personal/cards/credit-cards/dbs-altitude-cards",
      "special": [],
      "income": null,
      "verifiedAt": "2026-10-14",
      "calculatorDisabled": true,
      "firstYearFee": 0,
      "feeWaiver": "First-year waiver listed; subsequent waivers require issuer confirmation.",
      "rounding": "DBS Points awarded for every SGD 5 per transaction.",
      "pointsExpiry": "DBS Points earned on Altitude do not expire.",
      "transferMinimum": null,
      "transferFee": 27.25,
      "processingTime": null,
      "partners": [
        "Singapore Airlines KrisFlyer",
        "Cathay Asia Miles",
        "AirAsia rewards"
      ],
      "transfers": [
        {
          "program": "KrisFlyer",
          "points": 5000,
          "miles": 10000,
          "minimumPoints": null,
          "increment": null,
          "processing": "Not verified"
        },
        {
          "program": "Asia Miles",
          "points": 5000,
          "miles": 10000,
          "minimumPoints": null,
          "increment": null,
          "processing": "Not verified"
        },
        {
          "program": "AirAsia rewards",
          "points": 500,
          "miles": 1500,
          "minimumPoints": null,
          "increment": null,
          "processing": "Not verified"
        }
      ],
      "verificationScope": "Published card fee and earning summary checked; remaining terms are only partially verified."
    },
    {
      "id": "amex-sg-krisflyer",
      "country": "SG",
      "issuer": "American Express",
      "name": "Singapore Airlines KrisFlyer Credit Card",
      "fee": 179.85,
      "currency": "SGD",
      "reward": "KrisFlyer miles",
      "rate": null,
      "earn": "1.1 KrisFlyer miles per SGD 1 other eligible spend; 2 miles on eligible Singapore Airlines group and Grab spend.",
      "route": "Miles are credited directly to the linked KrisFlyer account.",
      "note": "Welcome offers excluded. Confirm current caps, exclusions and renewal pricing in the linked terms.",
      "url": "https://www.americanexpress.com/sg/credit-cards/singapore-airlines-krisflyer-credit-card/",
      "status": "Current product shown by the official issuer; confirm application eligibility",
      "verified": true,
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "mileageSource": "https://www.americanexpress.com/sg/credit-cards/singapore-airlines-krisflyer-credit-card/",
      "type": "Personal credit card",
      "eligibility": "Age 21 or older and must meet Singapore regulatory income and Amex underwriting requirements.",
      "image": "public/assets/cards/amex-sg-krisflyer.png",
      "imageSource": "https://www.americanexpress.com/sg/credit-cards/singapore-airlines-krisflyer-credit-card/",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [
        "KrisFlyer"
      ],
      "verifiedAt": "2026-10-13",
      "calculatorDisabled": true,
      "imageOriginal": "https://www.americanexpress.com/content/dam/amex/sg/credit-cards/CON_KFCC_rpvc_SG_315x200.png"
    },
    {
      "id": "amex-sg-krisflyer-ascend",
      "country": "SG",
      "issuer": "American Express",
      "name": "Singapore Airlines KrisFlyer Ascend Credit Card",
      "fee": 397.85,
      "currency": "SGD",
      "reward": "KrisFlyer miles",
      "rate": 1.2,
      "earn": "1.2 KrisFlyer miles per SGD 1 on all other eligible purchases, no cap",
      "route": "Miles are credited directly to the linked KrisFlyer account.",
      "note": "Annual fee SGD 397.85 including 9% GST per the issuer page; the page lists no main-card waiver. Supplementary cards SGD 81.75, waived for the first year for the first two. Bonus categories were not itemized.",
      "url": "https://www.americanexpress.com/en-sg/credit-cards/singapore-airlines-credit-cards/",
      "status": "Current product shown by the official issuer; confirm application eligibility",
      "verified": true,
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "mileageSource": "https://www.americanexpress.com/en-sg/credit-cards/singapore-airlines-credit-cards/",
      "type": "Personal credit card",
      "eligibility": "Age 21 or older, Singapore application requirements and Amex underwriting apply.",
      "image": "public/assets/cards/amex-sg-krisflyer-ascend.png",
      "imageSource": "https://www.americanexpress.com/en-sg/credit-cards/singapore-airlines-credit-cards/",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [
        "KrisFlyer"
      ],
      "verifiedAt": "2026-10-15",
      "calculatorDisabled": true,
      "feeSource": "https://www.americanexpress.com/sg/credit-cards/singapore-airlines-krisflyer-ascend-credit-card/",
      "earningSource": "https://www.americanexpress.com/sg/credit-cards/singapore-airlines-krisflyer-ascend-credit-card/",
      "imageOriginal": "https://www.americanexpress.com/content/dam/amex/sg/credit-cards/CON_KFA_rpvc_SG_315x200.png"
    },
    {
      "id": "amex-sg-pps-club",
      "country": "SG",
      "issuer": "American Express",
      "name": "Singapore Airlines PPS Club Credit Card",
      "fee": 561.35,
      "currency": "SGD",
      "reward": "KrisFlyer miles",
      "rate": 1.3,
      "earn": "1.3 KrisFlyer miles per SGD 1 on all other eligible purchases",
      "route": "Miles are credited directly to the linked KrisFlyer account.",
      "note": "Annual fee SGD 561.35 including 9% GST, waived in the first year, per the issuer page. Bonus categories were not itemized.",
      "url": "https://www.americanexpress.com/en-sg/credit-cards/singapore-airlines-credit-cards/",
      "status": "Current product shown by the official issuer; confirm application eligibility",
      "verified": true,
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "mileageSource": "https://www.americanexpress.com/en-sg/credit-cards/singapore-airlines-credit-cards/",
      "type": "Status personal credit card",
      "eligibility": "Restricted to eligible Singapore Airlines PPS Club members; Amex underwriting applies.",
      "image": "public/assets/cards/amex-sg-pps-club.png",
      "imageSource": "https://www.americanexpress.com/en-sg/credit-cards/singapore-airlines-credit-cards/",
      "firstYearFee": 0,
      "feeWaiver": "First-year annual fee waived for the main and supplementary cards per the issuer page.",
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [
        "KrisFlyer"
      ],
      "verifiedAt": "2026-10-15",
      "calculatorDisabled": true,
      "feeSource": "https://www.americanexpress.com/sg/credit-cards/singapore-airlines-pps-club/",
      "earningSource": "https://www.americanexpress.com/sg/credit-cards/singapore-airlines-pps-club/",
      "imageOriginal": "https://www.americanexpress.com/content/dam/amex/sg/credit-cards/CON_PPS_rpvc_SG_315x200.png"
    },
    {
      "id": "amex-sg-solitaire-pps",
      "country": "SG",
      "issuer": "American Express",
      "name": "Singapore Airlines Solitaire PPS Credit Card",
      "fee": 561.35,
      "currency": "SGD",
      "reward": "KrisFlyer miles",
      "rate": 1.3,
      "earn": "1.3 KrisFlyer miles per SGD 1 on all other eligible purchases",
      "route": "Miles are credited directly to the linked KrisFlyer account.",
      "note": "Annual fee SGD 561.35 including 9% GST, waived in the first year, per the issuer page, which shows the same fee and base rate as the PPS Club card. Bonus categories were not itemized.",
      "url": "https://www.americanexpress.com/en-sg/credit-cards/singapore-airlines-credit-cards/",
      "status": "Current product shown by the official issuer; confirm application eligibility",
      "verified": true,
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "mileageSource": "https://www.americanexpress.com/en-sg/credit-cards/singapore-airlines-credit-cards/",
      "type": "Status personal credit card",
      "eligibility": "Restricted to eligible Singapore Airlines Solitaire PPS Club members; Amex underwriting applies.",
      "image": "public/assets/cards/amex-sg-solitaire-pps.png",
      "imageSource": "https://www.americanexpress.com/en-sg/credit-cards/singapore-airlines-credit-cards/",
      "firstYearFee": 0,
      "feeWaiver": "First-year annual fee waived for the main and supplementary cards per the issuer page.",
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [
        "KrisFlyer"
      ],
      "verifiedAt": "2026-10-15",
      "calculatorDisabled": true,
      "feeSource": "https://www.americanexpress.com/sg/credit-cards/singapore-airlines-solitaire-pps-card/",
      "earningSource": "https://www.americanexpress.com/sg/credit-cards/singapore-airlines-solitaire-pps-card/",
      "imageOriginal": "https://www.americanexpress.com/content/dam/amex/sg/credit-cards/CON_PPSSOL_rpvc_SG_315x200.png"
    },
    {
      "id": "amex-sg-sia-business",
      "country": "SG",
      "issuer": "American Express",
      "name": "Singapore Airlines Business Credit Card",
      "fee": null,
      "currency": "SGD",
      "reward": "HighFlyer points",
      "rate": null,
      "earn": "1.2 HighFlyer points per SGD 1 other eligible spend; 2 on KrisShop/Pelago and up to 8 on eligible Singapore Airlines group bookings.",
      "route": "HighFlyer points can be converted to KrisFlyer miles under the Singapore Airlines HighFlyer rules.",
      "note": "Welcome offers excluded. Confirm current caps, exclusions and renewal pricing in the linked terms.",
      "url": "https://www.americanexpress.com/sg/business/credit-cards/singapore-airlines-card/",
      "status": "Current product shown by the official issuer; confirm application eligibility",
      "verified": true,
      "mileageEligible": true,
      "mileageRoute": "Bank points",
      "mileageSource": "https://www.americanexpress.com/sg/business/credit-cards/singapore-airlines-card/",
      "type": "Business credit card",
      "eligibility": "Singapore business applicant; Amex business underwriting and HighFlyer enrolment requirements apply.",
      "image": "public/assets/cards/amex-sg-sia-business.jpg",
      "imageSource": "https://www.americanexpress.com/sg/business/credit-cards/singapore-airlines-card/",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [
        "KrisFlyer"
      ],
      "verifiedAt": "2026-10-13",
      "calculatorDisabled": true,
      "imageOriginal": "https://icm.aexp-static.com/Internet/internationalcardshop/en_sg/images/cards/singapore-airlines-business-card.png"
    },
    {
      "id": "sg-altitude-amex",
      "country": "SG",
      "issuer": "DBS",
      "name": "Altitude American Express Card",
      "fee": 196.2,
      "currency": "SGD",
      "reward": "DBS Points",
      "rate": 0.65,
      "earn": "DBS Points equivalent to up to 1.3 miles per SGD 1 local or 2.2 overseas spend: nominally 0.65 or 1.1 DBS Points per dollar, before transaction rounding.",
      "route": "5,000 DBS Points convert to 10,000 KrisFlyer or Asia Miles; 500 points convert to 1,500 AirAsia points.",
      "note": "Annual fee includes GST. Optional KrisFlyer automatic conversion has a separate SGD 43.60 annual participation fee; the ordinary on-demand route uses a per-transfer fee.",
      "url": "https://www.dbs.com.sg/personal/cards/credit-cards/dbs-altitude-cards",
      "status": "Official current product indexed; confirm application availability",
      "verified": true,
      "mileageEligible": true,
      "mileageRoute": "Bank points",
      "mileageSource": "https://www.dbs.com.sg/personal/cards/credit-cards/dbs-altitude-cards",
      "type": "Personal credit card",
      "eligibility": "Age and income requirements published by DBS; issuer underwriting applies.",
      "image": "public/assets/cards/sg-altitude-amex.png",
      "imageSource": "https://www.dbs.com.sg/personal/cards/credit-cards/dbs-altitude-cards",
      "firstYearFee": 0,
      "feeWaiver": null,
      "rounding": "DBS Points awarded for every SGD 5 per transaction.",
      "pointsExpiry": "DBS Points earned on Altitude do not expire.",
      "transferMinimum": null,
      "transferFee": 27.25,
      "processingTime": null,
      "partners": [
        "Singapore Airlines KrisFlyer",
        "Cathay Asia Miles",
        "AirAsia rewards"
      ],
      "verifiedAt": "2026-10-14",
      "calculatorDisabled": true,
      "transfers": [
        {
          "program": "KrisFlyer",
          "points": 5000,
          "miles": 10000,
          "minimumPoints": null,
          "increment": null,
          "processing": "Not verified"
        },
        {
          "program": "Asia Miles",
          "points": 5000,
          "miles": 10000,
          "minimumPoints": null,
          "increment": null,
          "processing": "Not verified"
        },
        {
          "program": "AirAsia rewards",
          "points": 500,
          "miles": 1500,
          "minimumPoints": null,
          "increment": null,
          "processing": "Not verified"
        }
      ],
      "verificationScope": "Published card fee and earning summary checked; remaining terms are only partially verified.",
      "imageOriginal": "https://www.dbs.com.sg/iwov-resources/media/images/redesign/cards/dbs-altitude-card/dbs-altitude-amex-card-cardface-apply-now-img.png"
    },
    {
      "id": "sg-dbs-vantage",
      "country": "SG",
      "issuer": "DBS",
      "name": "Vantage Visa Infinite Card",
      "fee": 599.5,
      "currency": "SGD",
      "reward": "DBS Points",
      "rate": 0.75,
      "earn": "DBS Points equivalent to 1.5 miles per SGD 1 local or 2.2 overseas spend: nominally 0.75 or 1.1 DBS Points per dollar before rounding.",
      "route": "5,000 DBS Points convert to 10,000 KrisFlyer miles, Asia Miles or Qantas Points; 500 DBS Points to 1,500 AirAsia points.",
      "note": "Annual fee includes GST. Do not apply the discontinued spend-based fee waiver. Published rewards are earned as DBS Points.",
      "url": "https://www.dbs.com.sg/personal/cards/credit-cards/dbs-vantage-visa-infinite-card",
      "status": "Official current product indexed; confirm application availability",
      "verified": true,
      "mileageEligible": true,
      "mileageRoute": "Bank points",
      "mileageSource": "https://www.dbs.com.sg/personal/cards/credit-cards/dbs-vantage-visa-infinite-card",
      "type": "Premium personal credit card",
      "eligibility": "Age 21–75; minimum annual income SGD 120,000. Identity and credit underwriting apply.",
      "image": "public/assets/cards/sg-dbs-vantage.png",
      "imageSource": "https://www.dbs.com.sg/personal/cards/credit-cards/dbs-vantage-visa-infinite-card",
      "firstYearFee": 599.5,
      "feeWaiver": "No first-year waiver. The previous SGD 60,000 annual-spend waiver ceased August 1, 2026.",
      "rounding": "Points awarded per SGD 5 spent.",
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": 27.25,
      "processingTime": null,
      "partners": [
        "Singapore Airlines KrisFlyer",
        "Cathay Asia Miles",
        "Qantas Frequent Flyer",
        "AirAsia rewards"
      ],
      "verifiedAt": "2026-10-14",
      "calculatorDisabled": true,
      "transfers": [
        {
          "program": "KrisFlyer",
          "points": 5000,
          "miles": 10000,
          "minimumPoints": null,
          "increment": null,
          "processing": "Not verified"
        },
        {
          "program": "Asia Miles",
          "points": 5000,
          "miles": 10000,
          "minimumPoints": null,
          "increment": null,
          "processing": "Not verified"
        },
        {
          "program": "Qantas Frequent Flyer",
          "points": 5000,
          "miles": 10000,
          "minimumPoints": null,
          "increment": null,
          "processing": "Not verified"
        },
        {
          "program": "AirAsia rewards",
          "points": 500,
          "miles": 1500,
          "minimumPoints": null,
          "increment": null,
          "processing": "Not verified"
        }
      ],
      "verificationScope": "Published card fee and earning summary checked; remaining terms are only partially verified.",
      "imageOriginal": "https://www.dbs.com.sg/iwov-resources/media/images/cards/credit-cards/dbs-vantage/dbs-vantage-card-square-684x630.png"
    },
    {
      "id": "sg-uob-prvi-visa",
      "country": "SG",
      "issuer": "UOB",
      "name": "PRVI Miles Visa Card",
      "fee": 261.6,
      "currency": "SGD",
      "reward": "UNI$",
      "rate": 0.7,
      "earn": "UNI$3.5 per SGD 5 local purchases; UNI$7.5 per SGD 5 in IDR, MYR, THB or VND; UNI$6 per SGD 5 in other foreign currencies through overseas payment gateways.",
      "route": "Convert UNI$5,000 to 10,000 KrisFlyer or Asia Miles after enrolment.",
      "note": "Standard fee includes GST; first year waived. Merchant and payment exclusions apply. Miles conversion is a separate step from earning UNI$.",
      "url": "https://www.uob.com.sg/personal/cards/travel/prvi-miles-card.page",
      "status": "Official current product indexed; confirm application availability",
      "verified": true,
      "mileageEligible": true,
      "mileageRoute": "Bank points",
      "mileageSource": "https://forms.uob.com.sg/personal/cards/rewards/miles.html",
      "type": "Personal credit card",
      "eligibility": "Age 21+. Annual income SGD 30,000 for Singaporeans/PRs up to 55, SGD 15,000 above 55; foreigners SGD 40,000. Secured-card applications may use SGD 10,000 fixed-deposit collateral.",
      "image": "public/assets/cards/sg-uob-prvi-visa.jpg",
      "imageSource": "https://www.uob.com.sg/personal/cards/travel/prvi-miles-card.page",
      "firstYearFee": 0,
      "feeWaiver": null,
      "rounding": "Rewards accrue in SGD 5 spending blocks.",
      "pointsExpiry": null,
      "transferMinimum": 5000,
      "transferFee": 27,
      "processingTime": null,
      "partners": [
        "Singapore Airlines KrisFlyer",
        "Cathay Asia Miles"
      ],
      "verifiedAt": "2026-10-14",
      "calculatorDisabled": true,
      "extra": "https://pib.uob.com.sg/Rewards/online_help/faq.html",
      "transfers": [
        {
          "program": "Singapore Airlines KrisFlyer",
          "points": 5000,
          "miles": 10000,
          "minimumPoints": 5000,
          "increment": 5000,
          "processing": "Up to 5 working days"
        },
        {
          "program": "Cathay Asia Miles",
          "points": 5000,
          "miles": 10000,
          "minimumPoints": 5000,
          "increment": 5000,
          "processing": "Up to 14 working days"
        }
      ],
      "verificationScope": "Published card fee and earning summary checked; remaining terms are only partially verified.",
      "imageOriginal": "https://www.uob.com.sg/assets/web-resources/personal/images/cards/travel/prvi-miles-card/recommended-product-detail/visa-card.jpg"
    },
    {
      "id": "sg-uob-prvi-mastercard",
      "country": "SG",
      "issuer": "UOB",
      "name": "PRVI Miles Mastercard",
      "fee": 261.6,
      "currency": "SGD",
      "reward": "UNI$",
      "rate": 0.7,
      "earn": "UNI$3.5 per SGD 5 local purchases; UNI$7.5 per SGD 5 in IDR, MYR, THB or VND; UNI$6 per SGD 5 in other foreign currencies through overseas payment gateways.",
      "route": "Convert UNI$5,000 to 10,000 KrisFlyer or Asia Miles after enrolment.",
      "note": "Standard fee includes GST; first year waived. Merchant and payment exclusions apply. Miles conversion is a separate step from earning UNI$.",
      "url": "https://www.uob.com.sg/personal/cards/travel/prvi-miles-card.page",
      "status": "Official current product indexed; confirm application availability",
      "verified": true,
      "mileageEligible": true,
      "mileageRoute": "Bank points",
      "mileageSource": "https://forms.uob.com.sg/personal/cards/rewards/miles.html",
      "type": "Personal credit card",
      "eligibility": "Age 21+. Annual income SGD 30,000 for Singaporeans/PRs up to 55, SGD 15,000 above 55; foreigners SGD 40,000. Secured-card applications may use SGD 10,000 fixed-deposit collateral.",
      "image": "public/assets/cards/sg-uob-prvi-mastercard.jpg",
      "imageSource": "https://www.uob.com.sg/personal/cards/travel/prvi-miles-card.page",
      "firstYearFee": 0,
      "feeWaiver": null,
      "rounding": "Rewards accrue in SGD 5 spending blocks.",
      "pointsExpiry": null,
      "transferMinimum": 5000,
      "transferFee": 27,
      "processingTime": null,
      "partners": [
        "Singapore Airlines KrisFlyer",
        "Cathay Asia Miles"
      ],
      "verifiedAt": "2026-10-14",
      "calculatorDisabled": true,
      "extra": "https://pib.uob.com.sg/Rewards/online_help/faq.html",
      "transfers": [
        {
          "program": "Singapore Airlines KrisFlyer",
          "points": 5000,
          "miles": 10000,
          "minimumPoints": 5000,
          "increment": 5000,
          "processing": "Up to 5 working days"
        },
        {
          "program": "Cathay Asia Miles",
          "points": 5000,
          "miles": 10000,
          "minimumPoints": 5000,
          "increment": 5000,
          "processing": "Up to 14 working days"
        }
      ],
      "verificationScope": "Published card fee and earning summary checked; remaining terms are only partially verified.",
      "imageOriginal": "https://www.uob.com.sg/assets/web-resources/personal/images/cards/travel/prvi-miles-card/recommended-product-detail/mastercard.jpg"
    },
    {
      "id": "sg-uob-prvi-amex",
      "country": "SG",
      "issuer": "UOB",
      "name": "PRVI Miles American Express Card",
      "fee": 261.6,
      "currency": "SGD",
      "reward": "UNI$",
      "rate": 0.7,
      "earn": "UNI$3.5 per SGD 5 local purchases; UNI$7.5 per SGD 5 in IDR, MYR, THB or VND; UNI$6 per SGD 5 in other foreign currencies through overseas payment gateways.",
      "route": "Convert UNI$5,000 to 10,000 KrisFlyer or Asia Miles after enrolment.",
      "note": "Standard fee includes GST; first year waived. Merchant and payment exclusions apply. Miles conversion is a separate step from earning UNI$.",
      "url": "https://www.uob.com.sg/personal/cards/travel/prvi-miles-card.page",
      "status": "Official current product indexed; confirm application availability",
      "verified": true,
      "mileageEligible": true,
      "mileageRoute": "Bank points",
      "mileageSource": "https://forms.uob.com.sg/personal/cards/rewards/miles.html",
      "type": "Personal credit card",
      "eligibility": "Age 21+. Annual income SGD 30,000 for Singaporeans/PRs up to 55, SGD 15,000 above 55; foreigners SGD 40,000. Secured-card applications may use SGD 10,000 fixed-deposit collateral.",
      "image": "public/assets/cards/sg-uob-prvi-amex.jpg",
      "imageSource": "https://www.uob.com.sg/personal/cards/travel/prvi-miles-card.page",
      "firstYearFee": 0,
      "feeWaiver": null,
      "rounding": "Rewards accrue in SGD 5 spending blocks.",
      "pointsExpiry": null,
      "transferMinimum": 5000,
      "transferFee": 27,
      "processingTime": null,
      "partners": [
        "Singapore Airlines KrisFlyer",
        "Cathay Asia Miles"
      ],
      "verifiedAt": "2026-10-14",
      "calculatorDisabled": true,
      "extra": "https://pib.uob.com.sg/Rewards/online_help/faq.html",
      "transfers": [
        {
          "program": "Singapore Airlines KrisFlyer",
          "points": 5000,
          "miles": 10000,
          "minimumPoints": 5000,
          "increment": 5000,
          "processing": "Up to 5 working days"
        },
        {
          "program": "Cathay Asia Miles",
          "points": 5000,
          "miles": 10000,
          "minimumPoints": 5000,
          "increment": 5000,
          "processing": "Up to 14 working days"
        }
      ],
      "verificationScope": "Published card fee and earning summary checked; remaining terms are only partially verified.",
      "imageOriginal": "https://www.uob.com.sg/assets/web-resources/personal/images/cards/travel/prvi-miles-card/recommended-product-detail/american-express.jpg"
    },
    {
      "id": "sg-uob-krisflyer",
      "country": "SG",
      "issuer": "UOB",
      "name": "KrisFlyer UOB Credit Card",
      "fee": 196.2,
      "currency": "SGD",
      "reward": "KrisFlyer miles",
      "rate": null,
      "earn": "1.2 miles per SGD 1 other eligible spend; 3 on eligible Singapore Airlines group spend; up to 2.4 on selected categories after the annual airline-spend condition.",
      "route": "Miles credit directly to the linked airline account.",
      "note": "Promotional welcome offers excluded. Confirm caps, exclusions, rounding and current conversion terms with the issuer.",
      "url": "https://www.uob.com.sg/personal/cards/travel/krisflyer-card.page",
      "status": "Official current product indexed; confirm application availability",
      "verified": true,
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "mileageSource": "https://www.uob.com.sg/personal/cards/travel/krisflyer-card.page",
      "type": "Personal credit card",
      "eligibility": "Local residency, income, identification and issuer underwriting requirements apply.",
      "image": "public/assets/cards/sg-uob-krisflyer.jpg",
      "imageSource": "https://www.uob.com.sg/personal/cards/travel/krisflyer-card.page",
      "firstYearFee": 0,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [
        "KrisFlyer"
      ],
      "verifiedAt": "2026-10-13",
      "calculatorDisabled": true,
      "imageOriginal": "https://www.uob.com.sg/assets/web-resources/personal/images/cards/travel/krisflyer-credit-card/carousel-banner/kf-1080x760.jpg"
    },
    {
      "id": "sg-citi-premiermiles-visa",
      "country": "SG",
      "issuer": "Citibank",
      "name": "PremierMiles Visa Card",
      "fee": 196.2,
      "currency": "SGD",
      "reward": "Citi Miles",
      "rate": null,
      "earn": "1.2 Citi Miles per SGD 1 local spend and 2.2 per SGD 1 foreign-currency spend.",
      "route": "Transfer eligible issuer points to participating airline programmes under the issuer terms.",
      "note": "Promotional welcome offers excluded. Confirm caps, exclusions, rounding and current conversion terms with the issuer.",
      "url": "https://www.citibank.com.sg/credit-cards/travel/premiermiles-card",
      "status": "Official current product indexed; confirm application availability",
      "verified": true,
      "mileageEligible": true,
      "mileageRoute": "Bank points",
      "mileageSource": "https://www.citibank.com.sg/credit-cards/travel/premiermiles-card",
      "type": "Personal credit card",
      "eligibility": "Local residency, income, identification and issuer underwriting requirements apply.",
      "image": null,
      "imageSource": null,
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": "Citi Miles do not expire.",
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [
        "KrisFlyer",
        "Asia Miles",
        "Other Citi transfer partners"
      ],
      "verifiedAt": "2026-10-13",
      "calculatorDisabled": true
    },
    {
      "id": "sg-citi-premiermiles-mastercard",
      "country": "SG",
      "issuer": "Citibank",
      "name": "PremierMiles World Select Mastercard",
      "fee": 196.2,
      "currency": "SGD",
      "reward": "Citi Miles",
      "rate": null,
      "earn": "1.2 Citi Miles per SGD 1 local spend and 2.2 per SGD 1 foreign-currency spend.",
      "route": "Transfer eligible issuer points to participating airline programmes under the issuer terms.",
      "note": "Promotional welcome offers excluded. Confirm caps, exclusions, rounding and current conversion terms with the issuer.",
      "url": "https://www.citibank.com.sg/credit-cards/travel/premiermiles-card",
      "status": "Official current product indexed; confirm application availability",
      "verified": true,
      "mileageEligible": true,
      "mileageRoute": "Bank points",
      "mileageSource": "https://www.citibank.com.sg/credit-cards/travel/premiermiles-card",
      "type": "Personal credit card",
      "eligibility": "Local residency, income, identification and issuer underwriting requirements apply.",
      "image": "public/assets/cards/sg-citi-premiermiles-mastercard.png",
      "imageSource": "https://www.citibank.com.sg/credit-cards",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": "Citi Miles do not expire.",
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [
        "KrisFlyer",
        "Asia Miles",
        "Other Citi transfer partners"
      ],
      "verifiedAt": "2026-10-13",
      "calculatorDisabled": true,
      "imageOriginal": "https://www.citibank.com.sg/content/dam/cgcpc/sg/prelogin/www-citibank-com-sg/image/credit-cards/apple-products/Pmiles-card_1.png"
    },
    {
      "id": "sg-ocbc-90n-visa",
      "country": "SG",
      "issuer": "OCBC",
      "name": "90°N Visa Card",
      "fee": 196.2,
      "currency": "SGD",
      "reward": "90°N Miles",
      "rate": 1.3,
      "earn": "1.3 90°N Miles per SGD 1 local purchases or 2.1 in foreign currency; rewards awarded in SGD 5 transaction blocks.",
      "route": "90°N Miles are bank rewards; 1 converts to 1 KrisFlyer mile. Other airline routes have partner-specific ratios.",
      "note": "Do not treat every partner as 1:1. Transfer fees and complete partner table remain unverified.",
      "url": "https://www.ocbc.com/personal-banking/cards/90-degrees-travel-credit-card.page",
      "status": "Official current product indexed; confirm application availability",
      "verified": true,
      "mileageEligible": true,
      "mileageRoute": "Bank points",
      "mileageSource": "https://www.ocbc.com/personal-banking/cards/90-degrees-travel-credit-card",
      "type": "Personal credit card",
      "eligibility": "Local residency, income, identification and issuer underwriting requirements apply.",
      "image": "public/assets/cards/sg-ocbc-90n-visa.png",
      "imageSource": "https://www.ocbc.com/personal-banking/cards/90-degrees-travel-credit-card.page",
      "firstYearFee": 0,
      "feeWaiver": "First year waived; subsequent automatic waiver at SGD 10,000 eligible annual spend.",
      "rounding": "SGD 5 blocks per transaction.",
      "pointsExpiry": "90°N Miles do not expire.",
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [
        "KrisFlyer"
      ],
      "verifiedAt": "2026-10-14",
      "calculatorDisabled": true,
      "extra": "https://www.ocbc.com/personal-banking/help-and-support/cards/general",
      "verificationScope": "Published card fee and earning summary checked; remaining terms are only partially verified.",
      "imageOriginal": "https://www.ocbc.com/iwov-resources/sg/ocbc/personal/img/live/cards/90degrees/d_masthead_90nvisacard.png"
    },
    {
      "id": "sg-ocbc-90n-mastercard",
      "country": "SG",
      "issuer": "OCBC",
      "name": "90°N Mastercard",
      "fee": 196.2,
      "currency": "SGD",
      "reward": "90°N Miles",
      "rate": 1.3,
      "earn": "1.3 90°N Miles per SGD 1 local purchases or 2.1 in foreign currency; rewards awarded in SGD 5 transaction blocks.",
      "route": "90°N Miles are bank rewards; 1 converts to 1 KrisFlyer mile. Other airline routes have partner-specific ratios.",
      "note": "Do not treat every partner as 1:1. Transfer fees and complete partner table remain unverified.",
      "url": "https://www.ocbc.com/personal-banking/cards/90-degrees-travel-credit-card.page",
      "status": "Official current product indexed; confirm application availability",
      "verified": true,
      "mileageEligible": true,
      "mileageRoute": "Bank points",
      "mileageSource": "https://www.ocbc.com/personal-banking/cards/90-degrees-travel-credit-card",
      "type": "Personal credit card",
      "eligibility": "Local residency, income, identification and issuer underwriting requirements apply.",
      "image": "public/assets/cards/sg-ocbc-90n-mastercard.png",
      "imageSource": "https://www.ocbc.com/personal-banking/cards/90-degrees-travel-credit-card.page",
      "firstYearFee": 0,
      "feeWaiver": "First year waived; subsequent automatic waiver at SGD 10,000 eligible annual spend.",
      "rounding": "SGD 5 blocks per transaction.",
      "pointsExpiry": "90°N Miles do not expire.",
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [
        "KrisFlyer"
      ],
      "verifiedAt": "2026-10-14",
      "calculatorDisabled": true,
      "extra": "https://www.ocbc.com/personal-banking/help-and-support/cards/general",
      "verificationScope": "Published card fee and earning summary checked; remaining terms are only partially verified.",
      "imageOriginal": "https://www.ocbc.com/iwov-resources/sg/ocbc/personal/img/live/cards/90degrees/cardfaces-mc-new.png"
    },
    {
      "id": "sg-hsbc-travelone",
      "country": "SG",
      "issuer": "HSBC",
      "name": "TravelOne Credit Card",
      "fee": 196.2,
      "currency": "SGD",
      "reward": "HSBC Rewards points",
      "rate": 3,
      "earn": "3 HSBC Rewards points per SGD 1 eligible local spend; 6 per SGD 1 eligible foreign-currency spend. Advertised miles equivalents depend on the transfer partner.",
      "route": "Transfer eligible issuer points to participating airline programmes under the issuer terms.",
      "note": "Promotional welcome offers excluded. Confirm caps, exclusions, rounding and current conversion terms with the issuer.",
      "url": "https://www.hsbc.com.sg/credit-cards/products/travelone/",
      "status": "Official current product indexed; confirm application availability",
      "verified": true,
      "mileageEligible": true,
      "mileageRoute": "Bank points",
      "mileageSource": "https://www.hsbc.com.sg/credit-cards/products/travelone/",
      "type": "Personal credit card",
      "eligibility": "Local residency, income, identification and issuer underwriting requirements apply.",
      "image": "public/assets/cards/sg-hsbc-travelone.jpg",
      "imageSource": "https://www.hsbc.com.sg/credit-cards/products/travelone/",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "verifiedAt": "2026-10-14",
      "calculatorDisabled": true,
      "earningSource": "https://www.hsbc.com.sg/credit-cards/products/travelone/",
      "verificationScope": "Recurring fee and published point earning checked; individual partner ratios remain incomplete.",
      "imageOriginal": "https://www.hsbc.com.sg/content/dam/hsbc/sg/images/credit-cards/10246-travelone-card-800x450.jpg"
    },
    {
      "id": "sg-sc-journey",
      "country": "SG",
      "issuer": "Standard Chartered",
      "name": "Journey Credit Card",
      "fee": 196.2,
      "currency": "SGD",
      "reward": "360° Rewards Points",
      "rate": 3,
      "earn": "3 Rewards Points per SGD 1 local or 5 per SGD 1 overseas purchases. Selected online transport, grocery and food delivery earn 7.5 points per SGD 1 up to SGD 1,000 per statement cycle.",
      "route": "25,000 360° Rewards Points convert to 10,000 KrisFlyer miles.",
      "note": "Bonus-category cap is per statement cycle. Reward points and airline miles are separate units. Limited-time welcome promotions are excluded.",
      "url": "https://www.sc.com/sg/credit-cards/journey-credit-card/",
      "status": "Official current product indexed; confirm application availability",
      "verified": true,
      "mileageEligible": true,
      "mileageRoute": "Bank points",
      "mileageSource": "https://www.sc.com/sg/credit-cards/journey-credit-card/",
      "type": "Personal credit card",
      "eligibility": "Local residency, income, identification and issuer underwriting requirements apply.",
      "image": "public/assets/cards/sg-sc-journey.png",
      "imageSource": "https://www.sc.com/sg/credit-cards/journey-credit-card/",
      "firstYearFee": null,
      "feeWaiver": "First-year fee-waived option is available at application; fee-paying options have different bonus terms.",
      "rounding": null,
      "pointsExpiry": "360° Rewards Points earned on Journey do not expire.",
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [
        "Singapore Airlines KrisFlyer"
      ],
      "verifiedAt": "2026-10-14",
      "calculatorDisabled": true,
      "verificationScope": "Published card fee and earning summary checked; remaining terms are only partially verified.",
      "imageOriginal": "https://www.sc.com/content/dam/sc/sg/en/sg-megamenu/sg-journey-card-440x280px.png"
    },
    {
      "id": "my-hsbc-travelone",
      "country": "MY",
      "issuer": "HSBC",
      "name": "TravelOne Credit Card",
      "fee": null,
      "currency": "MYR",
      "reward": "HSBC Reward points",
      "rate": null,
      "earn": "8 points per MYR 1 foreign-currency spend; 5 on local travel and dining; 1 on other eligible spend.",
      "route": "Transfer eligible issuer points to participating airline programmes under the issuer terms.",
      "note": "Promotional welcome offers excluded. Confirm caps, exclusions, rounding and current conversion terms with the issuer.",
      "url": "https://www.hsbc.com.my/credit-cards/products/travelone/",
      "status": "Official current product indexed; confirm application availability",
      "verified": true,
      "mileageEligible": true,
      "mileageRoute": "Bank points",
      "mileageSource": "https://www.hsbc.com.my/credit-cards/products/travelone/",
      "type": "Personal credit card",
      "eligibility": "Malaysia application requirements and HSBC underwriting apply.",
      "image": "public/assets/cards/my-hsbc-travelone.jpg",
      "imageSource": "https://www.hsbc.com.my/credit-cards/products/travelone/",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": "Most partners instant; selected partners up to 5 working days and JAL up to 21 working days.",
      "partners": [
        "Enrich",
        "airasia rewards",
        "KrisFlyer",
        "Asia Miles",
        "Aeroplan",
        "Flying Blue",
        "Avios",
        "Etihad Guest",
        "Infinity MileageLands",
        "JAL Mileage Bank",
        "Qantas Frequent Flyer",
        "Privilege Club",
        "Royal Orchid Plus",
        "Miles&Smiles",
        "MileagePlus",
        "Lotusmiles"
      ],
      "verifiedAt": "2026-10-13",
      "calculatorDisabled": true,
      "imageOriginal": "https://www.hsbc.com.my/content/dam/hsbc/en/images/hsbc-cards/16-9/9924-hsbc-travel-one-credit-vertical-cropped-hex-2000x1125.jpg"
    },
    {
      "id": "my-sc-worldmiles",
      "country": "MY",
      "issuer": "Standard Chartered",
      "name": "WorldMiles World Mastercard",
      "fee": 600,
      "currency": "MYR",
      "reward": "WorldMiles points",
      "rate": null,
      "earn": "4.5 WorldMiles points per MYR 1 eligible overseas spend; other rates follow current programme terms.",
      "route": "Transfer eligible issuer points to participating airline programmes under the issuer terms.",
      "note": "Promotional welcome offers excluded. Confirm caps, exclusions, rounding and current conversion terms with the issuer.",
      "url": "https://www.sc.com/my/credit-cards/worldmiles-mastercard/",
      "status": "Official current product indexed; confirm application availability",
      "verified": true,
      "mileageEligible": true,
      "mileageRoute": "Bank points",
      "mileageSource": "https://www.sc.com/my/credit-cards/worldmiles-mastercard/",
      "type": "Personal credit card",
      "eligibility": "Age 21–65 and minimum annual income MYR 90,000; issuer approval applies.",
      "image": null,
      "imageSource": null,
      "firstYearFee": 0,
      "feeWaiver": "Subsequent fee waiver with MYR 60,000 annual spend.",
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [
        "Enrich",
        "KrisFlyer",
        "airasia rewards",
        "Asia Miles"
      ],
      "verifiedAt": "2026-10-13",
      "calculatorDisabled": true
    },
    {
      "id": "my-sc-journey",
      "country": "MY",
      "issuer": "Standard Chartered",
      "name": "Journey Credit Card",
      "fee": 600,
      "currency": "MYR",
      "reward": "Journey miles / rewards",
      "rate": null,
      "earn": "5X more miles on dining, travel and overseas spend (issuer page). The base everyday rate per MYR 1 is not stated on the issuer page.",
      "route": "Transfer eligible issuer points to participating airline programmes under the issuer terms.",
      "note": "Principal card annual fee MYR 600 per the issuer page; supplementary cards free. The page shows only accelerated dining, travel and overseas rates, so no base rate is recorded.",
      "url": "https://www.sc.com/my/credit-cards/journey/",
      "status": "Official current product indexed; confirm application availability",
      "verified": true,
      "mileageEligible": true,
      "mileageRoute": "Bank points",
      "mileageSource": "https://www.sc.com/my/credit-cards/journey/",
      "type": "Priority personal credit card",
      "eligibility": "Malaysian citizen aged 21–65 with minimum annual income MYR 96,000; issuer approval applies.",
      "image": "public/assets/cards/my-sc-journey.png",
      "imageSource": "https://www.sc.com/my/credit-cards/journey/",
      "firstYearFee": 0,
      "feeWaiver": "RM600 principal fee waived in the first year for new customers (issuer page and terms)",
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "verifiedAt": "2026-10-15",
      "calculatorDisabled": true,
      "feeSource": "https://www.sc.com/my/credit-cards/journey/",
      "imageOriginal": "https://av.sc.com/my/content/images/Journey-Cardface_200x120.png"
    },
    {
      "id": "my-sc-beyond",
      "country": "MY",
      "issuer": "Standard Chartered",
      "name": "Beyond Credit Card",
      "fee": null,
      "currency": "MYR",
      "reward": "360° Rewards points",
      "rate": null,
      "earn": "1 point per MYR 1 of local spend on both Priority Banking and Priority Private tiers; overseas spend earns more (issuer page). Annual fee differs by tier (RM800 Priority Banking, RM2,000 Priority Private); the record tier is not identified, so no fee is recorded.",
      "route": "Transfer eligible issuer points to participating airline programmes under the issuer terms.",
      "note": "Promotional welcome offers excluded. Confirm caps, exclusions, rounding and current conversion terms with the issuer.",
      "url": "https://www.sc.com/my/credit-cards/beyond/",
      "status": "Issuer page checked; tier and fee need confirmation",
      "verified": true,
      "mileageEligible": true,
      "mileageRoute": "Bank points",
      "mileageSource": "https://www.sc.com/my/credit-cards/beyond/",
      "type": "Priority personal credit card",
      "eligibility": "Invitation or qualifying Standard Chartered Priority Banking relationship required.",
      "image": null,
      "imageSource": null,
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "verifiedAt": "2026-10-15",
      "calculatorDisabled": true
    },
    {
      "id": "my-maybank-2-premier",
      "country": "MY",
      "issuer": "Maybank",
      "name": "Maybank 2 Cards Premier",
      "fee": 800,
      "currency": "MYR",
      "reward": "TreatsPoints",
      "rate": null,
      "earn": "Reserve Amex: 10 points per MYR 1 overseas, 5 on local dining and up to 3 on other local spend; Visa Infinite has separate rates.",
      "route": "Transfer eligible issuer points to participating airline programmes under the issuer terms.",
      "note": "Promotional welcome offers excluded. Confirm caps, exclusions, rounding and current conversion terms with the issuer.",
      "url": "https://www.maybank2u.com.my/maybank2u/malaysia/en/personal/cards/credit/maybank_2_cards_premier.page",
      "status": "Official current product indexed; confirm application availability",
      "verified": true,
      "mileageEligible": true,
      "mileageRoute": "Bank points",
      "mileageSource": "https://www.maybank2u.com.my/maybank2u/malaysia/en/personal/cards/credit/maybank_2_cards_premier.page",
      "type": "Two-card personal package",
      "eligibility": "Minimum annual income MYR 120,000; age and Maybank underwriting requirements apply.",
      "image": null,
      "imageSource": null,
      "firstYearFee": 0,
      "feeWaiver": "Waived with MYR 80,000 annual spend.",
      "rounding": null,
      "pointsExpiry": "TreatsPoints are valid for 3 years.",
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [
        "Enrich",
        "KrisFlyer",
        "Asia Miles"
      ],
      "verifiedAt": "2026-10-13",
      "calculatorDisabled": true
    },
    {
      "id": "my-maybank-krisflyer-platinum",
      "country": "MY",
      "issuer": "Maybank",
      "name": "Singapore Airlines KrisFlyer American Express Platinum Credit Card",
      "fee": null,
      "currency": "MYR",
      "reward": "KrisFlyer miles",
      "rate": null,
      "earn": "Earn direct KrisFlyer miles with card-specific local, overseas and airline-spend rates.",
      "route": "Miles credit directly to the linked airline account.",
      "note": "Promotional welcome offers excluded. Confirm caps, exclusions, rounding and current conversion terms with the issuer.",
      "url": "https://www.maybank2u.com.my/maybank2u/malaysia/en/personal/cards/credit_cards_listing.page",
      "status": "Official current product indexed; confirm application availability",
      "verified": true,
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "mileageSource": "https://www.maybank2u.com.my/maybank2u/malaysia/en/personal/cards/credit_cards_listing.page",
      "type": "Personal credit card",
      "eligibility": "Minimum annual income MYR 60,000; Maybank approval applies.",
      "image": null,
      "imageSource": null,
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [
        "KrisFlyer"
      ],
      "verifiedAt": "2026-10-13",
      "calculatorDisabled": true
    },
    {
      "id": "my-maybank-krisflyer-gold",
      "country": "MY",
      "issuer": "Maybank",
      "name": "Singapore Airlines KrisFlyer American Express Gold Credit Card",
      "fee": null,
      "currency": "MYR",
      "reward": "KrisFlyer miles",
      "rate": null,
      "earn": "Earn direct KrisFlyer miles under the current card terms.",
      "route": "Miles credit directly to the linked airline account.",
      "note": "Promotional welcome offers excluded. Confirm caps, exclusions, rounding and current conversion terms with the issuer.",
      "url": "https://www.maybank2u.com.my/maybank2u/malaysia/en/personal/cards/treats_rewards/treats.page",
      "status": "Official current product indexed; confirm application availability",
      "verified": true,
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "mileageSource": "https://www.maybank2u.com.my/maybank2u/malaysia/en/personal/cards/treats_rewards/treats.page",
      "type": "Personal credit card",
      "eligibility": "Confirm whether applications are invitation-only; Maybank approval applies.",
      "image": null,
      "imageSource": null,
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [
        "KrisFlyer"
      ],
      "verifiedAt": "2026-10-13",
      "calculatorDisabled": true
    },
    {
      "id": "my-amex-platinum-charge",
      "country": "MY",
      "issuer": "Maybank / American Express",
      "name": "The Platinum Card",
      "fee": 3250,
      "currency": "MYR",
      "reward": "Membership Rewards points",
      "rate": null,
      "earn": "5 Membership Rewards points per MYR 1 eligible spend.",
      "route": "Transfer eligible issuer points to participating airline programmes under the issuer terms.",
      "note": "Promotional welcome offers excluded. Confirm caps, exclusions, rounding and current conversion terms with the issuer.",
      "url": "https://www.maybank2u.com.my/maybank2u/malaysia/en/personal/cards/charge/the_platinum_card.page",
      "status": "Official current product indexed; confirm application availability",
      "verified": true,
      "mileageEligible": true,
      "mileageRoute": "Bank points",
      "mileageSource": "https://www.maybank2u.com.my/maybank2u/malaysia/en/personal/cards/charge/the_platinum_card.page",
      "type": "Personal charge card",
      "eligibility": "Maybank Premier eligibility and issuer assessment apply.",
      "image": null,
      "imageSource": null,
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": "Membership Rewards points do not expire.",
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [
        "Enrich",
        "KrisFlyer",
        "Asia Miles"
      ],
      "verifiedAt": "2026-10-13",
      "calculatorDisabled": true
    },
    {
      "id": "my-amex-charge",
      "country": "MY",
      "issuer": "Maybank / American Express",
      "name": "American Express Charge Card",
      "fee": null,
      "currency": "MYR",
      "reward": "Membership Rewards points",
      "rate": null,
      "earn": "2 Membership Rewards points per MYR 1 eligible spend.",
      "route": "Transfer eligible issuer points to participating airline programmes under the issuer terms.",
      "note": "Promotional welcome offers excluded. Confirm caps, exclusions, rounding and current conversion terms with the issuer.",
      "url": "https://www.maybank2u.com.my/maybank2u/malaysia/en/personal/cards/charge/american_express_card.page",
      "status": "Official current product indexed; confirm application availability",
      "verified": true,
      "mileageEligible": true,
      "mileageRoute": "Bank points",
      "mileageSource": "https://www.maybank2u.com.my/maybank2u/malaysia/en/personal/cards/charge/american_express_card.page",
      "type": "Personal charge card",
      "eligibility": "Malaysia application requirements and Maybank assessment apply.",
      "image": null,
      "imageSource": null,
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [
        "Enrich",
        "KrisFlyer",
        "Asia Miles"
      ],
      "verifiedAt": "2026-10-13",
      "calculatorDisabled": true
    },
    {
      "id": "my-maybank-world-elite",
      "country": "MY",
      "issuer": "Maybank",
      "name": "World Elite Mastercard",
      "fee": null,
      "currency": "MYR",
      "reward": "TreatsPoints",
      "rate": null,
      "earn": "Up to 25 TreatsPoints per MYR 5 eligible spend.",
      "route": "Transfer eligible issuer points to participating airline programmes under the issuer terms.",
      "note": "Promotional welcome offers excluded. Confirm caps, exclusions, rounding and current conversion terms with the issuer.",
      "url": "https://www.maybank2u.com.my/maybank2u/malaysia/en/personal/cards/credit_cards_listing.page",
      "status": "Official current product indexed; confirm application availability",
      "verified": true,
      "mileageEligible": true,
      "mileageRoute": "Bank points",
      "mileageSource": "https://www.maybank2u.com.my/maybank2u/malaysia/en/personal/cards/credit_cards_listing.page",
      "type": "Premium personal credit card",
      "eligibility": "Minimum annual income MYR 190,000; Maybank approval applies.",
      "image": null,
      "imageSource": null,
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [
        "Enrich",
        "KrisFlyer",
        "Asia Miles"
      ],
      "verifiedAt": "2026-10-13",
      "calculatorDisabled": true
    },
    {
      "id": "my-maybank-islamic-world-elite",
      "country": "MY",
      "issuer": "Maybank Islamic",
      "name": "World Elite Mastercard Ikhwan",
      "fee": null,
      "currency": "MYR",
      "reward": "TreatsPoints",
      "rate": null,
      "earn": "Up to 25 TreatsPoints per MYR 5 eligible spend.",
      "route": "Transfer eligible issuer points to participating airline programmes under the issuer terms.",
      "note": "Promotional welcome offers excluded. Confirm caps, exclusions, rounding and current conversion terms with the issuer.",
      "url": "https://www.maybank2u.com.my/maybank2u/malaysia/en/personal/cards/credit_cards_listing.page",
      "status": "Official current product indexed; confirm application availability",
      "verified": true,
      "mileageEligible": true,
      "mileageRoute": "Bank points",
      "mileageSource": "https://www.maybank2u.com.my/maybank2u/malaysia/en/personal/cards/credit_cards_listing.page",
      "type": "Premium Islamic credit card",
      "eligibility": "Minimum annual income MYR 190,000; Maybank Islamic approval applies.",
      "image": null,
      "imageSource": null,
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [
        "Enrich",
        "KrisFlyer",
        "Asia Miles"
      ],
      "verifiedAt": "2026-10-13",
      "calculatorDisabled": true
    },
    {
      "id": "my-maybank-visa-gold",
      "country": "MY",
      "issuer": "Maybank",
      "name": "Visa Gold Card",
      "fee": 130,
      "currency": "MYR",
      "reward": "TreatsPoints",
      "rate": null,
      "earn": "Earn TreatsPoints on eligible spend; 20,000 points convert to 1,000 participating airline miles under the published schedule.",
      "route": "Transfer eligible issuer points to participating airline programmes under the issuer terms.",
      "note": "Promotional welcome offers excluded. Confirm caps, exclusions, rounding and current conversion terms with the issuer.",
      "url": "https://www.maybank2u.com.my/maybank2u/malaysia/en/personal/cards/credit/maybank_visa_gold.page",
      "status": "Official current product indexed; confirm application availability",
      "verified": true,
      "mileageEligible": true,
      "mileageRoute": "Bank points",
      "mileageSource": "https://www.maybank2u.com.my/maybank2u/malaysia/en/personal/cards/credit/maybank_visa_gold.page",
      "type": "Personal credit card",
      "eligibility": "Malaysian income MYR 30,000 or expatriate income MYR 60,000; Maybank account and approval required.",
      "image": null,
      "imageSource": null,
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [
        "Enrich",
        "KrisFlyer",
        "Asia Miles"
      ],
      "verifiedAt": "2026-10-13",
      "calculatorDisabled": true
    },
    {
      "country": "AU",
      "id": "au-qantas-ultimate",
      "name": "Qantas American Express Ultimate Card",
      "issuer": "American Express",
      "fee": 450,
      "currency": "AUD",
      "reward": "Qantas Points",
      "earn": "1.25 Qantas Points per AUD 1 on everyday purchases until 100,000 Qantas Points are earned in a calendar year, then 1 per AUD 1; 0.5 at Australian government bodies (issuer page).",
      "url": "https://www.americanexpress.com/en-au/credit-cards/qantas-ultimate-card/",
      "route": "Direct Qantas Points, credited monthly. Tiered earning is not modeled.",
      "rate": 1,
      "eligibility": "Australian-resident eligibility and issuer approval apply. A Qantas Frequent Flyer membership number is required to receive points.",
      "type": "Personal credit card",
      "mileageRoute": "Direct miles",
      "status": "Available for new applications; issuer approval required",
      "verified": true,
      "mileageEligible": true,
      "mileageSource": "https://www.americanexpress.com/en-au/credit-cards/qantas-ultimate-card/",
      "note": "Annual fee and current earning tiers were rechecked at the issuer. This directory does not calculate the tiered earn rate, government rate, exclusions, transaction rounding or introductory offer.",
      "image": "https://icm.aexp-static.com/Internet/internationalcardshop/en_au/images/cards/The_Qantas_American_Express_Ultimate_Card.png",
      "imageSource": "https://www.americanexpress.com/en-au/credit-cards/qantas-ultimate-card/",
      "special": [],
      "income": null,
      "verifiedAt": "2026-10-15",
      "calculatorDisabled": true,
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": "Qantas Points follow the Qantas Frequent Flyer activity-based expiry policy.",
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [
        "Qantas Frequent Flyer"
      ],
      "programIds": [
        "qantas"
      ]
    },
    {
      "country": "AU",
      "currency": "AUD",
      "type": "Personal credit card",
      "mileageEligible": true,
      "status": "Available for new applications; issuer approval required",
      "verified": true,
      "verifiedAt": "2026-10-15",
      "calculatorDisabled": true,
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": "https://icm.aexp-static.com/Internet/internationalcardshop/en_au/images/cards/The_American_Express_Velocity_Platinum_Card.png",
      "imageSource": "https://www.americanexpress.com/en-au/credit-cards/velocity-platinum-card/",
      "special": [],
      "income": null,
      "id": "au-amex-velocity-platinum",
      "name": "American Express Velocity Platinum Card",
      "issuer": "American Express",
      "fee": 440,
      "reward": "Velocity Points",
      "rate": 1.25,
      "earn": "1.25 Velocity Points per AUD 1 on card purchases, except 0.5 at Australian government bodies (issuer page).",
      "url": "https://www.americanexpress.com/en-au/credit-cards/velocity-platinum-card/",
      "route": "Direct Velocity Points credited automatically to the linked Velocity account.",
      "mileageRoute": "Direct miles",
      "mileageSource": "https://www.americanexpress.com/en-au/credit-cards/velocity-platinum-card/",
      "eligibility": "18+; Australian citizen, permanent resident or long-term visa holder; good credit history and issuer income/document checks apply.",
      "programIds": [
        "velocity"
      ],
      "partners": [
        "Velocity Frequent Flyer"
      ],
      "note": "Eligible-purchase exclusions, rounding and any welcome offer are not modeled. Check the issuer terms before applying."
    },
    {
      "country": "AU",
      "currency": "AUD",
      "type": "Personal credit card",
      "mileageEligible": true,
      "status": "Available for new applications; issuer approval required",
      "verified": true,
      "verifiedAt": "2026-10-15",
      "calculatorDisabled": true,
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": "https://icm.aexp-static.com/Internet/internationalcardshop/en_au/images/cards/The_Qantas_American_Express_Discovery_Card.png",
      "imageSource": "https://www.americanexpress.com/en-au/credit-cards/qantas-discovery-card/",
      "special": [],
      "income": null,
      "id": "au-amex-qantas-discovery",
      "name": "Qantas American Express Discovery Card",
      "issuer": "American Express",
      "fee": 0,
      "reward": "Qantas Points",
      "rate": 0.75,
      "earn": "0.75 Qantas Points per AUD 1 on eligible card purchases, uncapped (issuer page).",
      "url": "https://www.americanexpress.com/en-au/credit-cards/qantas-discovery-card/",
      "route": "Direct Qantas Points credited monthly to the linked Qantas Frequent Flyer account.",
      "mileageRoute": "Direct miles",
      "mileageSource": "https://www.americanexpress.com/en-au/credit-cards/qantas-discovery-card/",
      "eligibility": "Australian-resident eligibility and issuer approval apply. A Qantas Frequent Flyer membership number is required to receive points.",
      "programIds": [
        "qantas"
      ],
      "partners": [
        "Qantas Frequent Flyer"
      ],
      "note": "Eligible-purchase exclusions, Qantas-merchant definitions, rounding and any introductory offer are not modeled."
    },
    {
      "country": "AU",
      "currency": "AUD",
      "type": "Personal credit card",
      "mileageEligible": true,
      "status": "Available for new applications; issuer approval required",
      "verified": true,
      "verifiedAt": "2026-10-15",
      "calculatorDisabled": true,
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": "https://www.anz.com.au/content/dam/anzcomau/images/credit-cards/card-images/cc-aff-black-card-hb.jpg",
      "imageSource": "https://www.anz.com.au/personal/credit-cards/frequent-flyer-black/",
      "special": [],
      "income": null,
      "id": "au-anz-ff-black",
      "name": "ANZ Frequent Flyer Black",
      "issuer": "ANZ",
      "fee": 425,
      "reward": "Qantas Points",
      "rate": null,
      "earn": "1 Qantas Point per AUD 1 up to and including AUD 7,500 per statement period, then 0.5 per AUD 1 (issuer page).",
      "url": "https://www.anz.com.au/personal/credit-cards/frequent-flyer-black/",
      "route": "Direct Qantas Points transferred automatically to a linked Qantas Frequent Flyer account.",
      "mileageRoute": "Direct miles",
      "mileageSource": "https://www.anz.com.au/personal/credit-cards/frequent-flyer-black/",
      "eligibility": "18+; Australian or New Zealand citizen, permanent resident, or more than 12 months remaining on a visa; good credit rating required.",
      "programIds": [
        "qantas"
      ],
      "partners": [
        "Qantas Frequent Flyer"
      ],
      "note": "Fee includes AU$370 annual card fee and AU$55 Rewards Program Service Fee. Exclusions and transaction rounding are in the ANZ reward terms."
    },
    {
      "country": "AU",
      "currency": "AUD",
      "type": "Personal credit card",
      "mileageEligible": true,
      "status": "Available for new applications; issuer approval required",
      "verified": true,
      "verifiedAt": "2026-10-15",
      "calculatorDisabled": true,
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": "public/assets/cards/au-anz-ff-platinum.png",
      "imageSource": "https://www.anz.com.au/personal/credit-cards/frequent-flyer-platinum/",
      "special": [],
      "income": null,
      "id": "au-anz-ff-platinum",
      "name": "ANZ Frequent Flyer Platinum",
      "issuer": "ANZ",
      "fee": 295,
      "reward": "Qantas Points",
      "rate": null,
      "earn": "0.75 Qantas Points per AUD 1 up to and including AUD 3,000 per statement period, then 0.5 per AUD 1 (issuer page).",
      "url": "https://www.anz.com.au/personal/credit-cards/frequent-flyer-platinum/",
      "route": "Direct Qantas Points transferred automatically to a linked Qantas Frequent Flyer account.",
      "mileageRoute": "Direct miles",
      "mileageSource": "https://www.anz.com.au/personal/credit-cards/frequent-flyer-platinum/",
      "eligibility": "18+; Australian or New Zealand citizen, permanent resident, or more than 12 months remaining on a visa; good credit rating required.",
      "programIds": [
        "qantas"
      ],
      "partners": [
        "Qantas Frequent Flyer"
      ],
      "note": "Fee includes AU$240 annual card fee and AU$55 Rewards Program Service Fee. Exclusions and transaction rounding are in the ANZ reward terms.",
      "imageOriginal": "https://www.anz.com.au/content/dam/anzcomau/images/credit-cards/ANZ/image-anz-frequent-flyer-platinum-cc-2x.png"
    },
    {
      "country": "AU",
      "currency": "AUD",
      "type": "Personal credit card",
      "mileageEligible": true,
      "status": "Available for new applications; issuer approval required",
      "verified": true,
      "verifiedAt": "2026-10-15",
      "calculatorDisabled": true,
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": null,
      "imageSource": null,
      "special": [],
      "income": null,
      "id": "au-nab-qantas-signature",
      "name": "NAB Qantas Rewards Signature Card",
      "issuer": "NAB",
      "fee": 449,
      "reward": "Qantas Points",
      "rate": null,
      "earn": "0.75 Qantas Points per AUD 1 on the first AUD 3,000 per statement period, with a lower rate above that (issuer page).",
      "url": "https://www.nab.com.au/personal/credit-cards/qantas-rewards/nab-qantas-rewards-signature-card",
      "route": "Direct Qantas Points to a linked Qantas Frequent Flyer account.",
      "mileageRoute": "Direct miles",
      "mileageSource": "https://www.nab.com.au/personal/credit-cards/qantas-rewards/nab-qantas-rewards-signature-card",
      "eligibility": "NAB approval and Qantas Frequent Flyer membership number are required. NAB offers a joining-fee waiver route for new Qantas Frequent Flyer members who qualify.",
      "programIds": [
        "qantas"
      ],
      "partners": [
        "Qantas Frequent Flyer"
      ],
      "note": "Base earning stops after the stated AU$15,000 statement-period cap. NAB calculates points on net purchases and rounds to whole Qantas Points; the calculator is intentionally disabled."
    },
    {
      "country": "AU",
      "currency": "AUD",
      "type": "Personal credit card",
      "mileageEligible": true,
      "status": "Available for new applications; issuer approval required",
      "verified": true,
      "verifiedAt": "2026-10-15",
      "calculatorDisabled": true,
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": "https://www.nab.com.au/content/dam/nab/images/products/cards/nab-rewards-travel-credit-card-products-1000%C3%97690.png",
      "imageSource": "https://www.nab.com.au/personal/credit-cards/nab-rewards-cards/travel-card",
      "special": [],
      "income": null,
      "id": "au-nab-rewards-travel",
      "name": "NAB Rewards Travel Card",
      "issuer": "NAB",
      "fee": 395,
      "reward": "NAB Rewards Points",
      "rate": null,
      "earn": "1.5 NAB Rewards Points per AU$1 up to AU$10,000 per monthly statement period, then 0.5 per AU$1. An additional 1 point per AU$1 applies to eligible groceries, petrol, public transport and travel.",
      "url": "https://www.nab.com.au/personal/credit-cards/nab-rewards-cards/travel-card",
      "route": "Bank points. NAB states automatic redemption to Velocity is available at 3 NAB Rewards Points = 1 Velocity Point; manual transfers to KrisFlyer, Cathay and Koru are also offered.",
      "mileageRoute": "Bank points",
      "mileageSource": "https://www.nab.com.au/personal/credit-cards/earn-redeem-rewards",
      "eligibility": "NAB approval required. Link the receiving loyalty account before a transfer or automatic redemption.",
      "programIds": [
        "velocity",
        "krisflyer",
        "cathay"
      ],
      "partners": [
        "Velocity Frequent Flyer",
        "Singapore Airlines KrisFlyer",
        "Cathay",
        "Air New Zealand Koru"
      ],
      "transfers": [
        {
          "program": "Velocity Frequent Flyer",
          "points": 3,
          "miles": 1,
          "minimumPoints": null,
          "increment": null,
          "processing": "Automatic monthly redemption is available"
        }
      ],
      "note": "This is a bank-points product, not direct airline miles. Manual transfer ratios/minimums for every partner are not recorded here; check NAB before moving points."
    },
    {
      "type": "Personal credit card",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [
        "Qantas Frequent Flyer"
      ],
      "verifiedAt": "2026-10-14",
      "calculatorDisabled": true,
      "mileageEligible": true,
      "status": "Listed on official product website; application subject to approval",
      "verified": true,
      "image": "public/assets/cards/au-westpac-qantas-platinum.jpg",
      "imageSource": "https://www.westpac.com.au/credit-cards/reward/altitude-qantas-platinum",
      "extra": null,
      "eligibility": "Age 18+; fixed Australian address and regular verifiable Australian taxable income. Australian/New Zealand citizenship, Australian permanent residency, or an eligible temporary residence visa with at least one year remaining. Proof of income, debts/expenses and identification are required.",
      "id": "au-westpac-qantas-platinum",
      "country": "AU",
      "issuer": "Westpac",
      "name": "Altitude Qantas Platinum",
      "fee": 175,
      "currency": "AUD",
      "reward": "Qantas Points",
      "rate": 0.33,
      "earn": "0.33 Qantas Points per AUD 1 other eligible spend; 0.75 international and 0.5 everyday categories. After AUD 5,000 total statement-cycle spend, further eligible purchases earn 0.2 per AUD 1. Up to 1 extra Qantas Point per AUD 1 on selected Qantas products/services in Australia.",
      "route": "Direct Qantas Points.",
      "mileageRoute": "Direct miles",
      "url": "https://www.westpac.com.au/credit-cards/reward/altitude-qantas-platinum",
      "mileageSource": "https://www.westpac.com.au/credit-cards/reward",
      "note": "The AUD 175 card fee and compulsory AUD 125 annual rewards-program fee are separate. Everyday categories cover supermarkets, department stores, petrol and utilities, excluding BPAY. Card points are separate from flight-activity rewards.",
      "verificationScope": "Official product, mileage route, published fee and earning summary checked. Detailed exclusions and fields marked unverified still need review.",
      "earningSource": "https://www.westpac.com.au/credit-cards/reward/altitude-qantas-platinum",
      "rewardsAnnualFee": 125,
      "income": 30000,
      "imageOriginal": "https://www.westpac.com.au/credit-cards/reward/media_157ca3068be31e24d74e2c2e207b962cf5626a33d.jpg"
    },
    {
      "type": "Personal credit card",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [
        "Qantas Frequent Flyer"
      ],
      "verifiedAt": "2026-10-14",
      "calculatorDisabled": true,
      "mileageEligible": true,
      "status": "Listed on official product website; application subject to approval",
      "verified": true,
      "image": "public/assets/cards/au-westpac-qantas-black.jpg",
      "imageSource": "https://www.westpac.com.au/credit-cards/reward/altitude-qantas-black",
      "extra": null,
      "eligibility": "Age 18+; fixed Australian address and regular verifiable Australian taxable income. Australian/New Zealand citizenship, Australian permanent residency, or an eligible temporary residence visa with at least one year remaining. Proof of income, debts/expenses and identification are required.",
      "id": "au-westpac-qantas-black",
      "country": "AU",
      "issuer": "Westpac",
      "name": "Altitude Qantas Black",
      "fee": 295,
      "currency": "AUD",
      "reward": "Qantas Points",
      "rate": 0.4,
      "earn": "0.4 Qantas Points per AUD 1 other eligible spend; 1.5 international and 0.8 everyday categories. After AUD 10,000 total statement-cycle spend, further eligible purchases earn 0.25 per AUD 1. Up to 1 extra Qantas Point per AUD 1 on selected Qantas products/services in Australia.",
      "route": "Direct Qantas Points.",
      "mileageRoute": "Direct miles",
      "url": "https://www.westpac.com.au/credit-cards/reward/altitude-qantas-black",
      "mileageSource": "https://www.westpac.com.au/credit-cards/reward",
      "note": "The AUD 295 card fee and compulsory AUD 155 annual rewards-program fee are separate. Everyday categories cover supermarkets, department stores, petrol and utilities, excluding BPAY. Card points are separate from flight-activity rewards.",
      "verificationScope": "Official product, mileage route, published fee and earning summary checked. Detailed exclusions and fields marked unverified still need review.",
      "earningSource": "https://www.westpac.com.au/credit-cards/reward/altitude-qantas-black",
      "rewardsAnnualFee": 155,
      "income": 75000,
      "imageOriginal": "https://www.westpac.com.au/credit-cards/reward/media_1044faf852f24857f456ba3dc91f3bcd676701f78.jpg"
    },
    {
      "type": "Personal credit card",
      "firstYearFee": 99,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [
        "Velocity Frequent Flyer",
        "Singapore Airlines KrisFlyer",
        "Air New Zealand Airpoints",
        "Cathay Asia Miles"
      ],
      "verifiedAt": "2026-10-14",
      "calculatorDisabled": true,
      "mileageEligible": true,
      "status": "Listed on official product website; application subject to approval",
      "verified": true,
      "image": "https://www.westpac.com.au/credit-cards/reward/media_12c53920c9f65f002ab9eaac8dbec12d957eafd32.jpg?width=640&format=jpg&optimize=medium",
      "imageSource": "https://www.westpac.com.au/credit-cards/reward/altitude-rewards-platinum",
      "extra": null,
      "eligibility": "Age 18+; fixed Australian address and regular verifiable Australian taxable income. Australian/New Zealand citizenship, Australian permanent residency, or an eligible temporary residence visa with at least one year remaining. Proof of income, debts/expenses and identification are required.",
      "id": "au-westpac-rewards-platinum",
      "country": "AU",
      "issuer": "Westpac",
      "name": "Altitude Rewards Platinum",
      "fee": 175,
      "currency": "AUD",
      "reward": "Altitude Points",
      "rate": 1,
      "earn": "1 Altitude point per AUD 1 other eligible purchases; 1.25 on everyday categories and 2 international. After AUD 5,000 total spend in a statement cycle, further eligible purchases earn 0.5 points per AUD 1.",
      "route": "Transfer eligible Altitude Points to participating airline programs.",
      "mileageRoute": "Bank points",
      "url": "https://www.westpac.com.au/credit-cards/reward/altitude-rewards-platinum",
      "mileageSource": "https://www.westpac.com.au/credit-cards/reward/altitude-rewards",
      "note": "The card fee and mandatory AUD 75 annual rewards-program fee are separate. The first-year amount is the advertised card fee only; the program fee still applies. Everyday categories include supermarkets, department stores, petrol and utilities; BPAY utility payments are excluded. Partner ratios/minimums need review.",
      "verificationScope": "Official product, mileage route, published fee and earning summary checked. Detailed exclusions and fields marked unverified still need review.",
      "rewardsAnnualFee": 75,
      "earningSource": "https://www.westpac.com.au/credit-cards/reward/altitude-rewards-platinum",
      "income": 30000
    },
    {
      "type": "Personal credit card",
      "firstYearFee": 200,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [
        "Velocity Frequent Flyer",
        "Singapore Airlines KrisFlyer",
        "Air New Zealand Airpoints",
        "Cathay Asia Miles"
      ],
      "verifiedAt": "2026-10-14",
      "calculatorDisabled": true,
      "mileageEligible": true,
      "status": "Listed on official product website; application subject to approval",
      "verified": true,
      "image": "https://www.westpac.com.au/credit-cards/reward/media_1707e9b13f197344ee144a3c56e319ff251cc8dd2.jpg?width=640&format=jpg&optimize=medium",
      "imageSource": "https://www.westpac.com.au/credit-cards/reward/altitude-rewards-black",
      "extra": null,
      "eligibility": "Age 18+; fixed Australian address and regular verifiable Australian taxable income. Australian/New Zealand citizenship, Australian permanent residency, or an eligible temporary residence visa with at least one year remaining. Proof of income, debts/expenses and identification are required.",
      "id": "au-westpac-rewards-black",
      "country": "AU",
      "issuer": "Westpac",
      "name": "Altitude Rewards Black",
      "fee": 295,
      "currency": "AUD",
      "reward": "Altitude Points",
      "rate": 1,
      "earn": "1 Altitude point per AUD 1 other eligible purchases; 2 on everyday categories and 3 international. After AUD 10,000 total spend in a statement cycle, further eligible purchases earn 0.5 points per AUD 1.",
      "route": "Transfer eligible Altitude Points to participating airline programs.",
      "mileageRoute": "Bank points",
      "url": "https://www.westpac.com.au/credit-cards/reward/altitude-rewards-black",
      "mileageSource": "https://www.westpac.com.au/credit-cards/reward/altitude-rewards",
      "note": "The card fee and mandatory AUD 75 annual rewards-program fee are separate. The first-year amount is the advertised card fee only; the program fee still applies. Everyday categories include supermarkets, department stores, petrol and utilities; BPAY utility payments are excluded. Partner ratios/minimums need review.",
      "verificationScope": "Official product, mileage route, published fee and earning summary checked. Detailed exclusions and fields marked unverified still need review.",
      "rewardsAnnualFee": 75,
      "earningSource": "https://www.westpac.com.au/credit-cards/reward/altitude-rewards-black",
      "income": 75000
    },
    {
      "type": "Personal credit card",
      "firstYearFee": 0,
      "feeWaiver": "AUD 0 in the first year per the issuer page; AUD 499 afterwards",
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "verifiedAt": "2026-10-15",
      "calculatorDisabled": true,
      "mileageEligible": true,
      "status": "Issuer page states HSBC is no longer accepting applications; confirm availability before applying",
      "verified": true,
      "image": "https://www.hsbc.com.au/content/dam/hsbc/au/images/credit-cards/16-9/12343-hsbc-x-star-alliance-card-horizontal-front-digital-1600x900.jpg",
      "imageSource": "https://www.hsbc.com.au/credit-cards/products/star-alliance/",
      "extra": null,
      "eligibility": "Local residency, age, income, credit assessment and issuer-specific requirements apply.",
      "id": "au-hsbc-star-alliance",
      "country": "AU",
      "issuer": "HSBC Australia",
      "name": "Star Alliance Credit Card",
      "fee": 499,
      "currency": "AUD",
      "reward": "Star Alliance Points",
      "rate": null,
      "earn": "1 Star Alliance Point per AUD 1 up to AUD 3,000 per statement period, then 0.5 per AUD 1 (issuer page).",
      "route": "Convert through participating Star Alliance frequent-flyer programs.",
      "mileageRoute": "Bank points",
      "url": "https://www.hsbc.com.au/credit-cards/products/star-alliance/",
      "mileageSource": "https://www.hsbc.com.au/credit-cards/products/star-alliance/",
      "note": "AUD 0 first year, then AUD 499. Participating programs and conversion conditions apply."
    },
    {
      "type": "Personal credit card",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "verifiedAt": "2026-10-13",
      "calculatorDisabled": true,
      "mileageEligible": true,
      "status": "Official product indexed; confirm current terms",
      "verified": true,
      "image": null,
      "imageSource": null,
      "extra": null,
      "eligibility": "Local residency, age, income, credit assessment and issuer-specific requirements apply.",
      "id": "au-qantas-titanium",
      "country": "AU",
      "issuer": "Qantas Money",
      "name": "Qantas Money Titanium",
      "fee": 1200,
      "currency": "AUD",
      "reward": "Qantas Points",
      "rate": null,
      "earn": "1.25 Qantas Points per AUD 1 domestic up to AUD 12,500 per statement, then 0.5; 2 per AUD 1 international.",
      "route": "Direct Qantas Points.",
      "mileageRoute": "Direct miles",
      "url": "https://www.qantasmoney.com/credit-cards/titanium",
      "mileageSource": "https://www.qantasmoney.com/credit-cards/titanium/features-and-benefits",
      "note": "Additional 2 points per AUD 1 eligible Qantas spend under official terms."
    },
    {
      "type": "Personal credit card",
      "firstYearFee": 349,
      "feeWaiver": null,
      "rounding": "Earning is based on each whole AUD 1 of eligible spend; review the rewards terms for transaction-level calculation details.",
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "verifiedAt": "2026-10-14",
      "calculatorDisabled": true,
      "mileageEligible": true,
      "status": "Listed on official product website; application subject to approval",
      "verified": true,
      "image": "https://images.ctfassets.net/2wgn0n5ijj9k/4dHW4ArwE82aOWyOCWcWO6/1ba5f44a90180a303d8663608008f8c6/QLCS-13812_QM_Qantas-Premier-Cards_Card-art_extend-expiry-date_Platinum_621x346_copy.png?fm=webp&w=458&h=286",
      "imageSource": "https://www.qantasmoney.com/credit-cards/platinum",
      "extra": null,
      "eligibility": "Age 18+ and permanent Australian resident with an Australian mobile number and residential address; Qantas Frequent Flyer membership required. Recommended minimum annual income AUD 35,000. New primary cardholders only, subject to credit approval.",
      "id": "au-qantas-premier-platinum",
      "country": "AU",
      "issuer": "NAB / Qantas Money",
      "name": "Qantas Money Platinum",
      "fee": 399,
      "currency": "AUD",
      "reward": "Qantas Points",
      "rate": 1,
      "earn": "1 Qantas Point per whole AUD 1 domestic spend up to AUD 10,000 per statement, then 0.5; 1.5 per whole AUD 1 international; 1 additional point per whole AUD 1 eligible Qantas spend.",
      "route": "Direct Qantas Points.",
      "mileageRoute": "Direct miles",
      "url": "https://www.qantasmoney.com/credit-cards/platinum",
      "mileageSource": "https://www.qantasmoney.com/credit-cards/platinum",
      "note": "Issued by NAB for Qantas. The AUD 349 introductory fee requires first account use within 12 months of approval; otherwise the standard AUD 399 applies. Future annual fees are AUD 399. Additional-card fees are separate.",
      "verificationScope": "Official product, mileage route, published fee and earning summary checked. Detailed exclusions and fields marked unverified still need review.",
      "earningSource": "https://www.qantasmoney.com/credit-cards/platinum",
      "income": 35000
    },
    {
      "id": "chase-ink-business-preferred",
      "country": "US",
      "issuer": "Chase",
      "name": "Ink Business Preferred Credit Card",
      "fee": 95,
      "currency": "USD",
      "reward": "Ultimate Rewards points",
      "rate": 1,
      "earn": "1 point per USD 1 other eligible purchases. 3 points per USD 1 on the first USD 150,000 combined shipping, travel, internet/cable/phone and social/search advertising each account anniversary year; 1 thereafter.",
      "url": "https://creditcards.chase.com/business-credit-cards/ink/business-preferred",
      "type": "Business credit card",
      "mileageEligible": true,
      "mileageRoute": "Bank points",
      "status": "Listed on official issuer website; application subject to approval",
      "verified": true,
      "verifiedAt": "2026-10-14",
      "calculatorDisabled": true,
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": "public/assets/cards/chase-ink-business-preferred.png",
      "imageSource": "https://creditcards.chase.com/business-credit-cards/ink/business-preferred",
      "partners": [
        "Air Canada Aeroplan",
        "British Airways Club",
        "Flying Blue",
        "Singapore Airlines KrisFlyer",
        "United MileagePlus",
        "Virgin Atlantic Flying Club"
      ],
      "programIds": [
        "ba",
        "flyingblue",
        "krisflyer",
        "virgin"
      ],
      "income": null,
      "route": "Transfer Ultimate Rewards to participating airline accounts. Partner-specific current ratios and minimums must be checked in the Chase portal.",
      "mileageSource": "https://creditcards.chase.com/business-credit-cards/ink/business-preferred",
      "note": "Cash-like transactions, fees, interest, gambling and balance transfers do not earn. No universal transfer ratio is assumed.",
      "eligibility": "Business application and personal credit assessment required. Confirm US address, taxpayer identification and business documentation with Chase.",
      "verificationScope": "Product and mileage route sourced; published fee and earning summary recorded. Fields marked unverified still need review.",
      "imageOriginal": "https://creditcards.chase.com/content/dam/jpmc-marketplace/card-art/ink_preferred_card.png"
    },
    {
      "id": "us-chase-sapphire-business",
      "country": "US",
      "issuer": "Chase",
      "name": "Sapphire Reserve for Business",
      "fee": 795,
      "currency": "USD",
      "reward": "Ultimate Rewards points",
      "rate": 1,
      "earn": "1 point per USD 1 other eligible purchases; 8 through Chase Travel, 4 direct flights/hotels, 3 qualifying social/search advertising. From November 15, 2026, the advertising 3X tier is capped at USD 1 million per anniversary year.",
      "url": "https://creditcards.chase.com/business-credit-cards/sapphire/reserve",
      "type": "Business pay-in-full card with financing option",
      "mileageEligible": true,
      "mileageRoute": "Bank points",
      "status": "Listed on official issuer website; application subject to approval",
      "verified": true,
      "verifiedAt": "2026-10-14",
      "calculatorDisabled": true,
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": "public/assets/cards/us-chase-sapphire-business.png",
      "imageSource": "https://creditcards.chase.com/business-credit-cards/sapphire/reserve",
      "partners": [],
      "programIds": [],
      "income": null,
      "route": "Eligible bank points can be transferred to participating airline programs. Ratios and minimums need review.",
      "mileageSource": "https://www.chase.com/personal/credit-cards/education/chase-cards/sapphire-reserve-for-business-vs-ink-business-preferred",
      "note": "Pay-in-full account with eligible Flex for Business financing. Purchases reimbursed under specified travel credits do not earn points. Check current partner ratios.",
      "eligibility": "Business application and personal credit assessment required; verify US address, taxpayer identification and business documentation.",
      "verificationScope": "Product and mileage route sourced; published fee and earning summary recorded. Fields marked unverified still need review.",
      "imageOriginal": "https://creditcards.chase.com/content/dam/jpmc-marketplace/card-art/sapphire_reserve_biz_card.png"
    },
    {
      "id": "gb-amex-rewards",
      "country": "GB",
      "issuer": "American Express",
      "name": "American Express Rewards Credit Card",
      "fee": 0,
      "currency": "GBP",
      "reward": "Membership Rewards points",
      "rate": 1,
      "earn": "1 Membership Rewards point per full GBP 1 of eligible purchases.",
      "url": "https://www.americanexpress.com/en-gb/credit-cards/rewards-credit-card/",
      "type": "Personal credit card",
      "mileageEligible": true,
      "mileageRoute": "Bank points",
      "status": "Listed on official issuer website; application subject to approval",
      "verified": true,
      "verifiedAt": "2026-10-14",
      "calculatorDisabled": true,
      "firstYearFee": 0,
      "feeWaiver": null,
      "rounding": "One point per full pound of eligible purchases.",
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": "https://icm.aexp-static.com/Internet/internationalcardshop/en_gb/images/cards/UK_AXP_The_American_Express_Rewards_Credit_Card.png",
      "imageSource": "https://www.americanexpress.com/en-gb/credit-cards/rewards-credit-card/",
      "partners": [],
      "programIds": [],
      "income": null,
      "route": "Transfer eligible UK Membership Rewards to participating airline accounts. Transfer ratios and minimums vary by partner.",
      "mileageSource": "https://www.americanexpress.com/en-gb/rewards/membership-rewards/travel/airlines",
      "note": "Detailed exclusions, transfer conditions and rounding remain partially verified. Welcome bonuses excluded.",
      "eligibility": "Confirm local residency, bank-account, identity, income and credit-assessment requirements with the issuer.",
      "verificationScope": "Product and mileage route sourced; published fee and earning summary recorded. Fields marked unverified still need review."
    },
    {
      "id": "gb-amex-business-gold",
      "country": "GB",
      "issuer": "American Express",
      "name": "American Express Business Gold Card",
      "fee": 195,
      "currency": "GBP",
      "reward": "Membership Rewards points",
      "rate": 1,
      "earn": "1 Membership Rewards point per eligible GBP 1; 2 per GBP 1 through American Express Travel Online.",
      "url": "https://www.americanexpress.com/en-gb/charge-cards/gold-business-card/",
      "type": "Business card with flexible payment option",
      "mileageEligible": true,
      "mileageRoute": "Bank points",
      "status": "Listed on official issuer website; application subject to approval",
      "verified": true,
      "verifiedAt": "2026-10-14",
      "calculatorDisabled": true,
      "firstYearFee": 0,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": "https://icm.aexp-static.com/Internet/internationalcardshop/en_gb/images/cards/UK_AXP_The_Gold_Business_Card.png",
      "imageSource": "https://www.americanexpress.com/en-gb/charge-cards/gold-business-card/",
      "partners": [
        "British Airways Club",
        "Virgin Atlantic Flying Club"
      ],
      "programIds": [
        "ba",
        "virgin"
      ],
      "income": null,
      "route": "Transfer Membership Rewards to airline partners including British Airways and Virgin Atlantic; thresholds and increments vary.",
      "mileageSource": "https://www.americanexpress.com/en-gb/charge-cards/gold-business-card/",
      "note": "Current application has Flexible Payment Option. Older charge-card agreements are separate; confirm the agreement offered to your business.",
      "eligibility": "UK LTD or LLP application, with an adult director/member signing. Personal guarantee and business underwriting apply.",
      "verificationScope": "Product and mileage route sourced; published fee and earning summary recorded. Fields marked unverified still need review."
    },
    {
      "id": "gb-amex-business-platinum",
      "country": "GB",
      "issuer": "American Express",
      "name": "American Express Business Platinum Card",
      "fee": 650,
      "currency": "GBP",
      "reward": "Membership Rewards points",
      "rate": 1,
      "earn": "1 Membership Rewards point per eligible GBP 1; 2 per GBP 1 through American Express Travel Online.",
      "url": "https://www.americanexpress.com/en-gb/charge-cards/platinum-business-card/",
      "type": "Business card with flexible payment option",
      "mileageEligible": true,
      "mileageRoute": "Bank points",
      "status": "Listed on official issuer website; application subject to approval",
      "verified": true,
      "verifiedAt": "2026-10-14",
      "calculatorDisabled": true,
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": "https://icm.aexp-static.com/Internet/internationalcardshop/en_gb/images/cards/UK_AXP_The_Platinum_Business_Card.png",
      "imageSource": "https://www.americanexpress.com/en-gb/charge-cards/platinum-business-card/",
      "partners": [
        "British Airways Club",
        "Virgin Atlantic Flying Club"
      ],
      "programIds": [
        "ba",
        "virgin"
      ],
      "income": null,
      "route": "Transfer Membership Rewards to airline partners including British Airways and Virgin Atlantic; thresholds and increments vary.",
      "mileageSource": "https://www.americanexpress.com/en-gb/charge-cards/platinum-business-card/",
      "note": "Current application has Flexible Payment Option. Older charge-card agreements are separate; confirm the agreement offered to your business.",
      "eligibility": "UK LTD or LLP application, with an adult director/member signing. Personal guarantee and business underwriting apply.",
      "verificationScope": "Product and mileage route sourced; published fee and earning summary recorded. Fields marked unverified still need review."
    },
    {
      "id": "ca-amex-green",
      "country": "CA",
      "issuer": "American Express",
      "name": "American Express Green Card",
      "fee": 0,
      "currency": "CAD",
      "reward": "Membership Rewards points",
      "rate": 1,
      "earn": "1 Membership Rewards point per CAD 1 eligible purchases.",
      "url": "https://www.americanexpress.com/en-ca/credit-cards/green-card/",
      "type": "Personal credit card",
      "mileageEligible": true,
      "mileageRoute": "Bank points",
      "status": "Listed on official issuer website; application subject to approval",
      "verified": true,
      "verifiedAt": "2026-10-14",
      "calculatorDisabled": true,
      "firstYearFee": 0,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": "public/assets/cards/ca-amex-green.png",
      "imageSource": "https://www.americanexpress.com/en-ca/credit-cards/green-card/",
      "partners": [],
      "programIds": [],
      "income": null,
      "route": "Green Card points can transfer to participating airline and other loyalty programs. Canadian transfer rules apply.",
      "mileageSource": "https://www.americanexpress.com/ca/en/benefits/green-card/",
      "note": "Detailed exclusions, transfer conditions and rounding remain partially verified. Welcome bonuses excluded.",
      "eligibility": "Confirm local residency, bank-account, identity, income and credit-assessment requirements with the issuer.",
      "verificationScope": "Product and mileage route sourced; published fee and earning summary recorded. Fields marked unverified still need review.",
      "extra": "https://www.americanexpress.com/en-ca/benefits/rewards/membership-rewards/",
      "imageOriginal": "https://icm.aexp-static.com/Internet/internationalcardshop/en_ca/images/cards/Green-Card-Art.png"
    },
    {
      "id": "ca-amex-business-gold",
      "country": "CA",
      "issuer": "American Express",
      "name": "Business Gold Rewards Card",
      "fee": 199,
      "currency": "CAD",
      "reward": "Membership Rewards points",
      "rate": 1,
      "earn": "1 Membership Rewards point per CAD 1 eligible purchases. Earn 10,000 bonus points in a quarter with CAD 20,000 net purchases.",
      "url": "https://www.americanexpress.com/en-ca/charge-cards/small-business-gold-card/",
      "type": "Business card with flexible payment option",
      "mileageEligible": true,
      "mileageRoute": "Bank points",
      "status": "Listed on official issuer website; application subject to approval",
      "verified": true,
      "verifiedAt": "2026-10-14",
      "calculatorDisabled": true,
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": "public/assets/cards/ca-amex-business-gold.png",
      "imageSource": "https://www.americanexpress.com/en-ca/charge-cards/small-business-gold-card/",
      "partners": [],
      "programIds": [],
      "income": null,
      "route": "Eligible bank points can be transferred to participating airline programs. Ratios and minimums need review.",
      "mileageSource": "https://www.americanexpress.com/en-ca/benefits/rewards/membership-rewards/",
      "note": "No preset spending limit; payment flexibility is subject to your agreement. The quarterly bonus is not included in a flat base rate. Employee-card fees are separate.",
      "eligibility": "Confirm local residency, bank-account, identity, income and credit-assessment requirements with the issuer.",
      "verificationScope": "Product and mileage route sourced; published fee and earning summary recorded. Fields marked unverified still need review.",
      "imageOriginal": "https://icm.aexp-static.com/Internet/internationalcardshop/en_ca/images/cards/Business_Gold_Rewards_Card.png"
    },
    {
      "id": "au-amex-explorer",
      "country": "AU",
      "issuer": "American Express",
      "name": "Explorer Credit Card",
      "fee": 395,
      "currency": "AUD",
      "reward": "Membership Rewards points",
      "rate": 2,
      "earn": "2 Membership Rewards points per AUD 1 eligible purchases; 1 per AUD 1 at Australian government bodies.",
      "url": "https://www.americanexpress.com/en-au/credit-cards/explorer-credit-card/",
      "type": "Personal credit card",
      "mileageEligible": true,
      "mileageRoute": "Bank points",
      "status": "Listed on official issuer website; application subject to approval",
      "verified": true,
      "verifiedAt": "2026-10-14",
      "calculatorDisabled": true,
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": "https://icm.aexp-static.com/Internet/internationalcardshop/en_au/images/cards/The_American_Express_ExplorerTM_Credit_Card.png",
      "imageSource": "https://www.americanexpress.com/en-au/credit-cards/explorer-credit-card/",
      "partners": [],
      "programIds": [],
      "income": null,
      "route": "Transfer eligible Australian Membership Rewards to participating airline programs. Card-specific program tiers and partner ratios apply.",
      "mileageSource": "https://www.americanexpress.com/en-au/credit-cards/explorer-credit-card/",
      "note": "Transfer ratios, detailed exclusions and rounding need further review.",
      "eligibility": "18+; Australian citizen, permanent resident or eligible long-term visa holder; good credit history with no payment defaults. Income and expense evidence required.",
      "verificationScope": "Product and mileage route sourced; published fee and earning summary recorded. Fields marked unverified still need review."
    },
    {
      "id": "au-amex-essential-rewards",
      "country": "AU",
      "issuer": "American Express",
      "name": "Essential Rewards Credit Card",
      "fee": 108,
      "currency": "AUD",
      "reward": "Membership Rewards points",
      "rate": 1,
      "earn": "1 point per AUD 1 other purchases; 5 eligible Australian dining, 3 selected streaming and 2 selected Australian major retailers. Accelerated earning applies to the first 10,000 points per month, then 1 per AUD 1.",
      "url": "https://www.americanexpress.com/en-au/credit-cards/essential-rewards-credit-card/",
      "type": "Personal credit card",
      "mileageEligible": true,
      "mileageRoute": "Bank points",
      "status": "Listed on official issuer website; application subject to approval",
      "verified": true,
      "verifiedAt": "2026-10-14",
      "calculatorDisabled": true,
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": "https://icm.aexp-static.com/Internet/internationalcardshop/en_au/images/cards/The_American_Express_Essential_Rewards_Credit_Card.png",
      "imageSource": "https://www.americanexpress.com/en-au/credit-cards/essential-rewards-credit-card/",
      "partners": [],
      "programIds": [],
      "income": null,
      "route": "Transfer eligible Australian Membership Rewards to participating airline programs. Card-specific program tiers and partner ratios apply.",
      "mileageSource": "https://www.americanexpress.com/en-au/credit-cards/essential-rewards-credit-card/",
      "note": "AUD 9 per month annualized to AUD 108. Transfer ratios, detailed exclusions and rounding need further review.",
      "eligibility": "18+; Australian citizen, permanent resident or eligible long-term visa holder; good credit history with no payment defaults. Income and expense evidence required.",
      "verificationScope": "Product and mileage route sourced; published fee and earning summary recorded. Fields marked unverified still need review."
    },
    {
      "id": "au-amex-platinum-edge",
      "country": "AU",
      "issuer": "American Express",
      "name": "Platinum Edge Credit Card",
      "fee": 195,
      "currency": "AUD",
      "reward": "Membership Rewards points",
      "rate": 1,
      "earn": "1 point per AUD 1 other purchases; 3 at selected major supermarkets and petrol stations; 2 on foreign-currency purchases.",
      "url": "https://www.americanexpress.com/en-au/credit-cards/platinum-edge-credit-card/",
      "type": "Personal credit card",
      "mileageEligible": true,
      "mileageRoute": "Bank points",
      "status": "Listed on official issuer website; application subject to approval",
      "verified": true,
      "verifiedAt": "2026-10-14",
      "calculatorDisabled": true,
      "firstYearFee": 0,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": "https://icm.aexp-static.com/Internet/internationalcardshop/en_au/images/cards/The_Platinum_Edge_Credit_Card.png",
      "imageSource": "https://www.americanexpress.com/en-au/credit-cards/platinum-edge-credit-card/",
      "partners": [],
      "programIds": [],
      "income": null,
      "route": "Transfer eligible Australian Membership Rewards to participating airline programs. Card-specific program tiers and partner ratios apply.",
      "mileageSource": "https://www.americanexpress.com/en-au/credit-cards/platinum-edge-credit-card/",
      "note": "Transfer ratios, detailed exclusions and rounding need further review.",
      "eligibility": "18+; Australian citizen, permanent resident or eligible long-term visa holder; good credit history with no payment defaults. Income and expense evidence required.",
      "verificationScope": "Product and mileage route sourced; published fee and earning summary recorded. Fields marked unverified still need review."
    },
    {
      "id": "au-amex-platinum",
      "country": "AU",
      "issuer": "American Express",
      "name": "The Platinum Card",
      "fee": 1450,
      "currency": "AUD",
      "reward": "Membership Rewards points",
      "rate": 2.25,
      "earn": "2.25 Membership Rewards points per AUD 1 eligible purchases; 1 per AUD 1 government spend.",
      "url": "https://www.americanexpress.com/en-au/credit-cards/the-platinum-card/",
      "type": "Personal charge card",
      "mileageEligible": true,
      "mileageRoute": "Bank points",
      "status": "Listed on official issuer website; application subject to approval",
      "verified": true,
      "verifiedAt": "2026-10-14",
      "calculatorDisabled": true,
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": "https://icm.aexp-static.com/Internet/internationalcardshop/en_au/images/cards/chg_plat_metal_2018_di_480x304.png",
      "imageSource": "https://www.americanexpress.com/en-au/credit-cards/the-platinum-card/",
      "partners": [],
      "programIds": [],
      "income": null,
      "route": "Eligible bank points can be transferred to participating airline programs. Ratios and minimums need review.",
      "mileageSource": "https://www.americanexpress.com/en-au/credit-cards/all-cards/view-cards/rewards/",
      "note": "Charge card: statement balance payable in full each month. Australian Membership Rewards tier and partner transfer rates apply.",
      "eligibility": "18+; Australian citizen, permanent resident or eligible long-term visa holder; good credit history with no payment defaults. Income and expense evidence required.",
      "earningSource": "https://www.americanexpress.com/en-au/credit-cards/membership-benefits/the-platinum-card/membership-rewards/",
      "verificationScope": "Product and mileage route sourced; published fee and earning summary recorded. Fields marked unverified still need review."
    },
    {
      "id": "de-amex-blue",
      "country": "DE",
      "issuer": "American Express",
      "name": "Blue Card with Membership Rewards",
      "fee": 0,
      "currency": "EUR",
      "reward": "Membership Rewards points",
      "rate": 1,
      "earn": "With paid Membership Rewards enrolment: 1 point per eligible EUR 1.",
      "url": "https://www.americanexpress.com/de-de/kreditkarte/blue-card/",
      "type": "Personal charge card",
      "mileageEligible": true,
      "mileageRoute": "Bank points",
      "status": "Listed on official issuer website; application subject to approval",
      "verified": true,
      "verifiedAt": "2026-10-14",
      "calculatorDisabled": true,
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": "See each partner in the transfer table.",
      "transferFee": null,
      "processingTime": "Partner-specific estimates in the table; account linking can add time.",
      "image": "https://icm.aexp-static.com/Internet/internationalcardshop/de_de/images/cards/blue-card.png",
      "imageSource": "https://www.americanexpress.com/de-de/kreditkarte/blue-card/",
      "partners": [
        "British Airways Club",
        "Cathay",
        "Delta SkyMiles",
        "Emirates Skywards",
        "Flying Blue",
        "Iberia Club",
        "Qatar Airways Privilege Club",
        "SAS EuroBonus",
        "KrisFlyer"
      ],
      "programIds": [
        "ba",
        "cathay",
        "flyingblue",
        "qatar",
        "krisflyer"
      ],
      "income": null,
      "route": "Enrolled Membership Rewards points transfer to the listed airline programmes. Each ratio, minimum and increment is partner-specific. Link an account in your own matching name; transfers are final.",
      "mileageSource": "https://www.americanexpress.com/de-de/rewards/membership-rewards/travel/airlines",
      "note": "EUR 0 card fee plus EUR 30 yearly for Membership Rewards. The annual-cost filter includes the required rewards enrolment.",
      "eligibility": "Adult applicant with German residence, a bank account and satisfactory credit assessment; regular income evidence may be required.",
      "rewardsAnnualFee": 30,
      "verificationScope": "German MR partner ratios, minimums, increments and estimated timing checked in this pass. Existing card fees and earning summaries retain their earlier research; detailed exclusions remain partial.",
      "transfers": [
        {
          "program": "British Airways Club",
          "points": 5,
          "miles": 4,
          "minimumPoints": 1000,
          "increment": 5,
          "processing": "Up to 1 working day",
          "source": "https://www.americanexpress.com/de-de/rewards/membership-rewards/travel/airlines"
        },
        {
          "program": "Cathay",
          "points": 3,
          "miles": 2,
          "minimumPoints": 900,
          "increment": 300,
          "processing": "About 3 working days",
          "source": "https://www.americanexpress.com/de-de/rewards/membership-rewards/travel/airlines"
        },
        {
          "program": "Delta SkyMiles",
          "points": 3,
          "miles": 2,
          "minimumPoints": 3000,
          "increment": 3,
          "processing": "About 5 working days",
          "source": "https://www.americanexpress.com/de-de/rewards/membership-rewards/travel/airlines"
        },
        {
          "program": "Emirates Skywards",
          "points": 2,
          "miles": 1,
          "minimumPoints": 1000,
          "increment": 2,
          "processing": "Up to 1 working day",
          "source": "https://www.americanexpress.com/de-de/rewards/membership-rewards/travel/airlines"
        },
        {
          "program": "Flying Blue",
          "points": 5,
          "miles": 4,
          "minimumPoints": 625,
          "increment": 5,
          "processing": "Up to 1 working day",
          "source": "https://www.americanexpress.com/de-de/rewards/membership-rewards/travel/airlines"
        },
        {
          "program": "Iberia Club",
          "points": 5,
          "miles": 4,
          "minimumPoints": 1000,
          "increment": 500,
          "processing": "Up to 1 working day",
          "source": "https://www.americanexpress.com/de-de/rewards/membership-rewards/travel/airlines"
        },
        {
          "program": "Qatar Airways Privilege Club",
          "points": 3,
          "miles": 2,
          "minimumPoints": 900,
          "increment": 3,
          "processing": "About 7 working days",
          "source": "https://www.americanexpress.com/de-de/rewards/membership-rewards/travel/airlines"
        },
        {
          "program": "SAS EuroBonus",
          "points": 5,
          "miles": 4,
          "minimumPoints": 1000,
          "increment": 500,
          "processing": "About 5 working days",
          "source": "https://www.americanexpress.com/de-de/rewards/membership-rewards/travel/airlines"
        },
        {
          "program": "KrisFlyer",
          "points": 3,
          "miles": 2,
          "minimumPoints": 1500,
          "increment": 3,
          "processing": "Up to 15 working days",
          "source": "https://www.americanexpress.com/de-de/rewards/membership-rewards/travel/airlines"
        }
      ]
    },
    {
      "id": "fr-amex-blue",
      "country": "FR",
      "issuer": "American Express",
      "name": "Blue d’American Express",
      "fee": 60,
      "currency": "EUR",
      "reward": "Membership Rewards points",
      "rate": 1,
      "earn": "1 Membership Rewards point per EUR 1 eligible purchases.",
      "url": "https://www.americanexpress.com/fr-fr/carte-de-paiement/carte-blue-americanexpress/",
      "type": "Personal deferred-debit card",
      "mileageEligible": true,
      "mileageRoute": "Bank points",
      "status": "Listed on official issuer website; application subject to approval",
      "verified": true,
      "verifiedAt": "2026-10-14",
      "calculatorDisabled": true,
      "firstYearFee": 0,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": "Normally 3 working days; KrisFlyer 10–15 working days, after account registration.",
      "image": "https://icm.aexp-static.com/Internet/internationalcardshop/fr_fr/images/cards/carte-blue-americanexpress.png",
      "imageSource": "https://www.americanexpress.com/fr-fr/carte-de-paiement/carte-blue-americanexpress/",
      "partners": [
        "Cathay",
        "British Airways Club",
        "Delta SkyMiles",
        "Emirates Skywards",
        "Finnair Plus",
        "Flying Blue",
        "Iberia Club",
        "Qatar Airways Privilege Club",
        "SAS EuroBonus",
        "KrisFlyer"
      ],
      "programIds": [
        "ba",
        "cathay",
        "flyingblue",
        "qatar",
        "krisflyer"
      ],
      "income": null,
      "route": "Transfer enrolled Membership Rewards points to the French programme partners listed below. Link your own partner account first. Transfers are final; ratios are specific to France.",
      "mileageSource": "https://www.americanexpress.com/fr/benefices/membership-rewards/transfert-points-voyage.html",
      "note": "EUR 5 monthly from year two is annualized to EUR 60. Deferred debit up to 30 days. Partner ratios and minimums require review.",
      "eligibility": "Confirm local residency, bank-account, identity, income and credit-assessment requirements with the issuer.",
      "extra": "https://www.americanexpress.com/fr/benefices/membership-rewards/transfert-points-voyage.html",
      "verificationScope": "France-specific published airline ratios and processing estimates checked. Minimum transfers, fees and full card conditions remain partially verified.",
      "transfers": [
        {
          "program": "Cathay",
          "points": 5,
          "miles": 4,
          "minimumPoints": null,
          "increment": null,
          "processing": "About 3 working days",
          "source": "https://www.americanexpress.com/fr/benefices/membership-rewards/transfert-points-voyage.html"
        },
        {
          "program": "British Airways Club",
          "points": 5,
          "miles": 4,
          "minimumPoints": null,
          "increment": null,
          "processing": "About 3 working days",
          "source": "https://www.americanexpress.com/fr/benefices/membership-rewards/transfert-points-voyage.html"
        },
        {
          "program": "Delta SkyMiles",
          "points": 1,
          "miles": 1,
          "minimumPoints": null,
          "increment": null,
          "processing": "About 3 working days",
          "source": "https://www.americanexpress.com/fr/benefices/membership-rewards/transfert-points-voyage.html"
        },
        {
          "program": "Emirates Skywards",
          "points": 2,
          "miles": 1,
          "minimumPoints": null,
          "increment": null,
          "processing": "About 3 working days",
          "source": "https://www.americanexpress.com/fr/benefices/membership-rewards/transfert-points-voyage.html"
        },
        {
          "program": "Finnair Plus",
          "points": 5,
          "miles": 4,
          "minimumPoints": null,
          "increment": null,
          "processing": "About 3 working days",
          "source": "https://www.americanexpress.com/fr/benefices/membership-rewards/transfert-points-voyage.html"
        },
        {
          "program": "Flying Blue",
          "points": 5,
          "miles": 4,
          "minimumPoints": null,
          "increment": null,
          "processing": "About 3 working days",
          "source": "https://www.americanexpress.com/fr/benefices/membership-rewards/transfert-points-voyage.html"
        },
        {
          "program": "Iberia Club",
          "points": 5,
          "miles": 4,
          "minimumPoints": null,
          "increment": null,
          "processing": "About 3 working days",
          "source": "https://www.americanexpress.com/fr/benefices/membership-rewards/transfert-points-voyage.html"
        },
        {
          "program": "Qatar Airways Privilege Club",
          "points": 6,
          "miles": 5,
          "minimumPoints": null,
          "increment": null,
          "processing": "About 3 working days",
          "source": "https://www.americanexpress.com/fr/benefices/membership-rewards/transfert-points-voyage.html"
        },
        {
          "program": "SAS EuroBonus",
          "points": 5,
          "miles": 4,
          "minimumPoints": null,
          "increment": null,
          "processing": "About 3 working days",
          "source": "https://www.americanexpress.com/fr/benefices/membership-rewards/transfert-points-voyage.html"
        },
        {
          "program": "KrisFlyer",
          "points": 5,
          "miles": 4,
          "minimumPoints": null,
          "increment": null,
          "processing": "10–15 working days",
          "source": "https://www.americanexpress.com/fr/benefices/membership-rewards/transfert-points-voyage.html"
        }
      ]
    },
    {
      "id": "ch-amex-green",
      "country": "CH",
      "issuer": "Swisscard",
      "name": "American Express Card",
      "fee": 140,
      "currency": "CHF",
      "reward": "Membership Rewards points",
      "rate": 0.5,
      "earn": "Included Basic rewards: 1 point per CHF 2 eligible spend. Optional Classic upgrade earns 1 point per CHF 1 for CHF 54.05 extra annually.",
      "url": "https://www.americanexpress.ch/de/karten/privatkunden-karten/americanexpress-card",
      "type": "Personal credit card",
      "mileageEligible": true,
      "mileageRoute": "Bank points",
      "status": "Listed on official issuer website; application subject to approval",
      "verified": true,
      "verifiedAt": "2026-10-14",
      "calculatorDisabled": true,
      "firstYearFee": 0,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": "public/assets/cards/ch-amex-green.jpg",
      "imageSource": "https://www.americanexpress.ch/de/karten/privatkunden-karten/americanexpress-card",
      "partners": [
        "Miles & More",
        "British Airways Club",
        "Flying Blue",
        "Etihad Guest",
        "Delta SkyMiles"
      ],
      "programIds": [
        "milesmore",
        "ba",
        "flyingblue"
      ],
      "income": null,
      "route": "Membership Rewards can convert to participating airline programs, including Miles & More, Flying Blue and Delta SkyMiles.",
      "mileageSource": "https://www.americanexpress.ch/en/magazine/benefits/american-express-flight-miles",
      "note": "Listed cost and base rate use the included Basic plan. Optional Classic upgrade is not included. Fees, interest, cash withdrawals and gambling do not earn points.",
      "eligibility": "Confirm local residency, bank-account, identity, income and credit-assessment requirements with the issuer.",
      "verificationScope": "Swiss personal-card airline partner list checked. Partner-specific ratios, minimums and timing require review; no generic 2:1 ratio assumed.",
      "imageOriginal": "https://www.americanexpress.ch/.imaging/flex/jcr:fd725c32-3a35-4847-848b-51a45c09e094/hash/-762752474/ratio/16:9/version/1613401679/width/860/american-express-card-stagestatic.jpg"
    },
    {
      "id": "sg-citi-rewards",
      "country": "SG",
      "issuer": "Citibank",
      "name": "Citi Rewards Card",
      "fee": 196.2,
      "currency": "SGD",
      "reward": "Citi ThankYou points",
      "rate": 1,
      "earn": "1 point per SGD 1 eligible purchases; 10 points per SGD 1 qualifying online/shopping spend. Bonus portion capped at 9,000 points per statement month; base points uncapped.",
      "url": "https://www.citibank.com.sg/credit-cards/points/rewards-card",
      "type": "Personal credit card",
      "mileageEligible": true,
      "mileageRoute": "Bank points",
      "status": "Listed on official issuer website; application subject to approval",
      "verified": true,
      "verifiedAt": "2026-10-14",
      "calculatorDisabled": true,
      "firstYearFee": 0,
      "feeWaiver": null,
      "rounding": "Qualifying transactions rounded down to the nearest SGD 1.",
      "pointsExpiry": "60-month periods starting on card approval; points are not individually valid for 60 months from earning.",
      "transferMinimum": null,
      "transferFee": "SGD 27.25 including GST per standard transfer; eligible instant transfers have no administrative fee.",
      "processingTime": "Within 14 business days for standard transfers.",
      "image": "public/assets/cards/sg-citi-rewards.png",
      "imageSource": "https://www.citibank.com.sg/credit-cards",
      "partners": [
        "Cathay",
        "British Airways Club",
        "Etihad Guest",
        "EVA Air Infinity MileageLands",
        "Flying Blue",
        "Qantas Frequent Flyer",
        "Qatar Privilege Club",
        "Singapore Airlines KrisFlyer",
        "Thai Royal Orchid Plus",
        "Turkish Miles&Smiles"
      ],
      "programIds": [],
      "income": null,
      "route": "25,000 Citi ThankYou points convert to 10,000 airline miles with the recorded partners. Minimums must be checked in the Citi app.",
      "mileageSource": "https://www.citibank.com.sg/credit-cards/privileges-programs/credit-card-rewards-redemption/points-transfer.html",
      "note": "Travel-related transactions and certain mobile-wallet transactions do not qualify for 10X. Eligible instant-transfer options differ from standard transfers.",
      "eligibility": "21+; minimum annual income SGD 30,000 for citizens/PR or SGD 42,000 for foreigners. Foreign applicants need a valid work permit with at least six months remaining.",
      "transfers": [
        {
          "program": "Cathay",
          "points": 25000,
          "miles": 10000,
          "minimumPoints": null,
          "increment": null,
          "processing": "Within 14 business days"
        },
        {
          "program": "British Airways Club",
          "points": 25000,
          "miles": 10000,
          "minimumPoints": null,
          "increment": null,
          "processing": "Within 14 business days"
        },
        {
          "program": "Etihad Guest",
          "points": 25000,
          "miles": 10000,
          "minimumPoints": null,
          "increment": null,
          "processing": "Within 14 business days"
        },
        {
          "program": "EVA Air Infinity MileageLands",
          "points": 25000,
          "miles": 10000,
          "minimumPoints": null,
          "increment": null,
          "processing": "Within 14 business days"
        },
        {
          "program": "Flying Blue",
          "points": 25000,
          "miles": 10000,
          "minimumPoints": null,
          "increment": null,
          "processing": "Within 14 business days"
        },
        {
          "program": "Qantas Frequent Flyer",
          "points": 25000,
          "miles": 10000,
          "minimumPoints": null,
          "increment": null,
          "processing": "Within 14 business days"
        },
        {
          "program": "Qatar Privilege Club",
          "points": 25000,
          "miles": 10000,
          "minimumPoints": null,
          "increment": null,
          "processing": "Within 14 business days"
        },
        {
          "program": "Singapore Airlines KrisFlyer",
          "points": 25000,
          "miles": 10000,
          "minimumPoints": null,
          "increment": null,
          "processing": "Within 14 business days"
        },
        {
          "program": "Thai Royal Orchid Plus",
          "points": 25000,
          "miles": 10000,
          "minimumPoints": null,
          "increment": null,
          "processing": "Within 14 business days"
        },
        {
          "program": "Turkish Miles&Smiles",
          "points": 25000,
          "miles": 10000,
          "minimumPoints": null,
          "increment": null,
          "processing": "Within 14 business days"
        }
      ],
      "verificationScope": "Product and mileage route sourced; published fee and earning summary recorded. Fields marked unverified still need review.",
      "imageOriginal": "https://www.citibank.com.sg/content/dam/cgcpc/sg/prelogin/www-citibank-com-sg/image/credit-cards/apple-products/rewardscard_5.png"
    },
    {
      "id": "sg-dbs-woman",
      "country": "SG",
      "issuer": "DBS",
      "name": "Woman’s Mastercard",
      "fee": 163.5,
      "currency": "SGD",
      "reward": "DBS Points",
      "rate": 0.2,
      "earn": "1 DBS Point per SGD 5 other eligible purchases. 5 DBS Points per SGD 5 eligible online purchases; monthly bonus cap not yet recorded.",
      "url": "https://www.dbs.com.sg/personal/cards/credit-cards/dbs-woman-mastercard-card",
      "type": "Personal credit card",
      "mileageEligible": true,
      "mileageRoute": "Bank points",
      "status": "Listed on official issuer website; application subject to approval",
      "verified": true,
      "verifiedAt": "2026-10-14",
      "calculatorDisabled": true,
      "firstYearFee": 0,
      "feeWaiver": "First year waived; SGD 15,000 annual spending for the following-year waiver.",
      "rounding": "Points awarded in SGD 5 spending blocks; exact bonus rounding needs review.",
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": "public/assets/cards/sg-dbs-woman.jpg",
      "imageSource": "https://www.dbs.com.sg/personal/cards/credit-cards/dbs-woman-mastercard-card",
      "partners": [
        "Singapore Airlines KrisFlyer",
        "Cathay",
        "Qantas Frequent Flyer",
        "AirAsia rewards"
      ],
      "programIds": [],
      "income": null,
      "route": "DBS Points convert to eligible airline currencies. DBS advertises 1 DBS Point as 2 miles for its stated miles equivalents; verify the chosen partner ratio.",
      "mileageSource": "https://www.dbs.com.sg/personal/cards/credit-cards/dbs-woman-mastercard-card",
      "note": "Bank points, not automatically credited airline miles. Overseas/online tiers and transaction exclusions must be checked before transfer.",
      "eligibility": "Confirm local residency, bank-account, identity, income and credit-assessment requirements with the issuer.",
      "verificationScope": "Product and mileage route sourced; published fee and earning summary recorded. Fields marked unverified still need review.",
      "imageOriginal": "https://www.dbs.com.sg/iwov-resources/images/products/cards/dbs-womans-card/CC-Women.jpg"
    },
    {
      "id": "sg-dbs-woman-world",
      "country": "SG",
      "issuer": "DBS",
      "name": "Woman’s World Mastercard",
      "fee": 196.2,
      "currency": "SGD",
      "reward": "DBS Points",
      "rate": 0.2,
      "earn": "1 DBS Point per SGD 5 other eligible purchases. 10 DBS Points per SGD 5 eligible online purchases up to SGD 1,000 online spend monthly; 3 per SGD 5 eligible overseas purchases.",
      "url": "https://www.dbs.com.sg/personal/cards/credit-cards/dbs-woman-mastercard-card",
      "type": "Personal credit card",
      "mileageEligible": true,
      "mileageRoute": "Bank points",
      "status": "Listed on official issuer website; application subject to approval",
      "verified": true,
      "verifiedAt": "2026-10-14",
      "calculatorDisabled": true,
      "firstYearFee": 0,
      "feeWaiver": "First year waived. Woman’s World SGD 25,000 spend-based renewal waiver ended August 1, 2026.",
      "rounding": "Points awarded in SGD 5 spending blocks; exact bonus rounding needs review.",
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": "public/assets/cards/sg-dbs-woman-world.jpg",
      "imageSource": "https://www.dbs.com.sg/personal/cards/credit-cards/dbs-woman-mastercard-card",
      "partners": [
        "Singapore Airlines KrisFlyer",
        "Cathay",
        "Qantas Frequent Flyer",
        "AirAsia rewards"
      ],
      "programIds": [],
      "income": null,
      "route": "DBS Points convert to eligible airline currencies. DBS advertises 1 DBS Point as 2 miles for its stated miles equivalents; verify the chosen partner ratio.",
      "mileageSource": "https://www.dbs.com.sg/personal/cards/credit-cards/dbs-woman-mastercard-card",
      "note": "Bank points, not automatically credited airline miles. Overseas/online tiers and transaction exclusions must be checked before transfer.",
      "eligibility": "Confirm local residency, bank-account, identity, income and credit-assessment requirements with the issuer.",
      "verificationScope": "Product and mileage route sourced; published fee and earning summary recorded. Fields marked unverified still need review.",
      "imageOriginal": "https://www.dbs.com.sg/iwov-resources/images/products/cards/dbs-womans-world-card/CC-WW.jpg"
    },
    {
      "id": "my-cimb-travel-platinum",
      "country": "MY",
      "issuer": "CIMB",
      "name": "CIMB Travel Platinum",
      "fee": 0,
      "currency": "MYR",
      "reward": "CIMB Bonus Points",
      "rate": 2,
      "earn": "5 Bonus Points per MYR 1 overseas, direct-airline and duty-free spend; 2 other local spend; 1 local education, insurance and utilities.",
      "url": "https://www.cimb.com.my/en/personal/day-to-day-banking/cards/credit-card/cimb-travel-platinum-credit-card.html",
      "type": "Personal credit card",
      "mileageEligible": true,
      "mileageRoute": "Bank points",
      "status": "Listed on official issuer website; application subject to approval",
      "verified": true,
      "verifiedAt": "2026-10-14",
      "calculatorDisabled": true,
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": "https://www.cimb.com.my/content/dam/cimb/personal/images/malaysia/day-to-day-banking/cards/cimb-travel-platinum-card_v3.png",
      "imageSource": "https://www.cimb.com.my/en/personal/day-to-day-banking/cards/credit-card/cimb-travel-platinum-credit-card.html",
      "partners": [
        "Singapore Airlines KrisFlyer",
        "Malaysia Airlines Enrich",
        "Avios"
      ],
      "programIds": [],
      "income": null,
      "route": "Redeem Bonus Points for participating airlines. Current card-specific conversion ratios and minimums are not yet recorded.",
      "mileageSource": "https://www.cimb.com.my/en/personal/day-to-day-banking/cards/credit-card/cimb-travel-perks.html",
      "note": "Direct-airline bonus excludes travel-agency bookings. Statutory card service tax is separate from the listed annual membership fee. Do not assume Bonus Points equal airline miles.",
      "eligibility": "Published minimum annual income MYR 24,000; issuer identity, residency and credit requirements apply.",
      "verificationScope": "Product and mileage route sourced; published fee and earning summary recorded. Fields marked unverified still need review."
    },
    {
      "id": "my-cimb-travel-world",
      "country": "MY",
      "issuer": "CIMB",
      "name": "CIMB Travel World",
      "fee": 554.72,
      "currency": "MYR",
      "reward": "CIMB Bonus Points",
      "rate": 2,
      "earn": "8 Bonus Points per MYR 1 overseas, direct-airline and duty-free spend; 2 other local spend; 1 local education, insurance and utilities.",
      "url": "https://www.cimb.com.my/en/personal/day-to-day-banking/cards/credit-card/cimb-travel-world-credit-card.html",
      "type": "Personal credit card",
      "mileageEligible": true,
      "mileageRoute": "Bank points",
      "status": "Listed on official issuer website; application subject to approval",
      "verified": true,
      "verifiedAt": "2026-10-14",
      "calculatorDisabled": true,
      "firstYearFee": null,
      "feeWaiver": "Standard full waiver at MYR 120,000 annual spend; partial waiver and time-limited account/repayment campaigns have additional conditions.",
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": "https://www.cimb.com.my/content/dam/cimb/personal/images/malaysia/day-to-day-banking/cards/cimb-travel-world-card_3.png",
      "imageSource": "https://www.cimb.com.my/en/personal/day-to-day-banking/cards/credit-card/cimb-travel-world-credit-card.html",
      "partners": [
        "Singapore Airlines KrisFlyer",
        "Malaysia Airlines Enrich",
        "Avios"
      ],
      "programIds": [],
      "income": null,
      "route": "Redeem Bonus Points for participating airlines. Current card-specific conversion ratios and minimums are not yet recorded.",
      "mileageSource": "https://www.cimb.com.my/en/personal/day-to-day-banking/cards/credit-card/cimb-travel-perks.html",
      "note": "Direct-airline bonus excludes travel-agency bookings. Statutory card service tax is separate from the listed annual membership fee. Do not assume Bonus Points equal airline miles.",
      "eligibility": "Published minimum annual income MYR 100,000; issuer identity, residency and credit requirements apply. CIMB@Work customers may qualify at MYR 60,000.",
      "verificationScope": "Product and mileage route sourced; published fee and earning summary recorded. Fields marked unverified still need review."
    },
    {
      "id": "my-cimb-travel-world-elite",
      "country": "MY",
      "issuer": "CIMB",
      "name": "CIMB Travel World Elite",
      "fee": 1215.09,
      "currency": "MYR",
      "reward": "CIMB Bonus Points",
      "rate": 2,
      "earn": "10 Bonus Points per MYR 1 overseas, direct-airline and duty-free spend; 2 other local spend; 1 local education, insurance and utilities.",
      "url": "https://www.cimb.com.my/en/personal/day-to-day-banking/cards/credit-card/cimb-travel-world-elite-credit-card.html",
      "type": "Personal credit card",
      "mileageEligible": true,
      "mileageRoute": "Bank points",
      "status": "Listed on official issuer website; application subject to approval",
      "verified": true,
      "verifiedAt": "2026-10-14",
      "calculatorDisabled": true,
      "firstYearFee": null,
      "feeWaiver": "Standard full waiver at MYR 240,000 annual spend; partial waiver and time-limited account/repayment campaigns have additional conditions.",
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": "https://www.cimb.com.my/content/dam/cimb/personal/images/malaysia/day-to-day-banking/cards/cimb-travel-world-elite-card_v3.png",
      "imageSource": "https://www.cimb.com.my/en/personal/day-to-day-banking/cards/credit-card/cimb-travel-world-elite-credit-card.html",
      "partners": [
        "Singapore Airlines KrisFlyer",
        "Malaysia Airlines Enrich",
        "Avios"
      ],
      "programIds": [],
      "income": null,
      "route": "Redeem Bonus Points for participating airlines. Current card-specific conversion ratios and minimums are not yet recorded.",
      "mileageSource": "https://www.cimb.com.my/en/personal/day-to-day-banking/cards/credit-card/cimb-travel-perks.html",
      "note": "Direct-airline bonus excludes travel-agency bookings. Statutory card service tax is separate from the listed annual membership fee. Do not assume Bonus Points equal airline miles.",
      "eligibility": "Published minimum annual income MYR 250,000; issuer identity, residency and credit requirements apply.",
      "verificationScope": "Product and mileage route sourced; published fee and earning summary recorded. Fields marked unverified still need review."
    },
    {
      "type": "Business card with flexible payment option",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "verifiedAt": "2026-10-15",
      "calculatorDisabled": true,
      "mileageEligible": true,
      "status": "Mileage route indexed; current application and detailed terms need review",
      "verified": false,
      "image": "public/assets/cards/amex-us-business-platinum.png",
      "imageSource": "https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/american-express-business-platinum-credit-card-amex/",
      "extra": null,
      "eligibility": "US application eligibility, credit history, identification and issuer underwriting apply. Citizenship alone does not guarantee access.",
      "id": "amex-us-business-platinum",
      "country": "US",
      "issuer": "American Express",
      "name": "Business Platinum Card",
      "fee": 895,
      "currency": "USD",
      "reward": "Membership Rewards points",
      "rate": 1,
      "earn": "1 Membership Rewards point per USD 1 eligible base spend.",
      "route": "Transferable Membership Rewards points; eligible airline partners, ratios and minimums vary. Check the issuer transfer directory before transferring.",
      "mileageRoute": "Bank points",
      "mileageSource": "https://forum-5.americanexpress.com/en-us/business/trends-and-insights/articles/maximize-membership-rewards-bplat/",
      "url": "https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/american-express-business-platinum-credit-card-amex/",
      "note": "Base earning only, per the issuer product page. The page lists 5X on flights and prepaid hotels through Amex Travel and 2X on key business categories. Category bonuses are not itemized here and calculators stay disabled.",
      "special": [],
      "priorUnverifiedFee": 895,
      "importedFrom": "GitHub c2ad043",
      "verificationScope": "Official route evidence checked during catalog integration. Fee and earning fields remain unverified unless separately sourced.",
      "earningSource": "https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/american-express-business-platinum-credit-card-amex/",
      "imageOriginal": "https://icm.aexp-static.com/Internet/Acquisition/US_en/AppContent/OneSite/open/category/cardarts/business-platinum.png"
    },
    {
      "type": "Business card with flexible payment option",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "verifiedAt": "2026-10-14",
      "calculatorDisabled": true,
      "mileageEligible": true,
      "status": "Listed on official product website; application subject to approval",
      "verified": true,
      "image": "public/assets/cards/amex-us-business-gold.png",
      "imageSource": "https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/american-express-business-gold-card-amex/",
      "extra": null,
      "eligibility": "US application eligibility, credit history, identification and issuer underwriting apply. Citizenship alone does not guarantee access.",
      "id": "amex-us-business-gold",
      "country": "US",
      "issuer": "American Express",
      "name": "Business Gold Card",
      "fee": 375,
      "currency": "USD",
      "reward": "Membership Rewards points",
      "rate": 1,
      "earn": "1 Membership Rewards point per USD 1 other eligible spend; 4 on the top two eligible business categories each billing cycle, limited to USD 150,000 combined calendar-year purchases, then 1; 3 on flights and prepaid hotels at AmexTravel.com.",
      "route": "Transferable Membership Rewards points; eligible airline partners, ratios and minimums vary. Check the issuer transfer directory before transferring.",
      "mileageRoute": "Bank points",
      "mileageSource": "https://www.americanexpress.com/us/rewards/membership-rewards/faq/index.html",
      "url": "https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/american-express-business-gold-card-amex/",
      "note": "The six possible 4X categories are US media advertising, US electronics/software/cloud providers, US restaurants, US gas stations, transit, and US wireless telephone service. From February 17, 2027, select-merchant restrictions apply to advertising and wireless categories. Pay Over Time eligibility is separate.",
      "special": [],
      "priorUnverifiedFee": 375,
      "importedFrom": "GitHub c2ad043",
      "verificationScope": "Official product, mileage route, published fee and earning summary checked. Detailed exclusions and fields marked unverified still need review.",
      "earningSource": "https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/american-express-business-gold-card-amex/",
      "imageOriginal": "https://icm.aexp-static.com/Internet/Acquisition/US_en/AppContent/OneSite/open/category/cardarts/business-gold.png"
    },
    {
      "type": "Business credit card",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "verifiedAt": "2026-10-14",
      "calculatorDisabled": true,
      "mileageEligible": true,
      "status": "Listed on official product website; application subject to approval",
      "verified": true,
      "image": "public/assets/cards/amex-us-blue-business-plus.png",
      "imageSource": "https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/american-express-blue-business-plus-credit-card-amex/",
      "extra": null,
      "eligibility": "US application eligibility, credit history, identification and issuer underwriting apply. Citizenship alone does not guarantee access.",
      "id": "amex-us-blue-business-plus",
      "country": "US",
      "issuer": "American Express",
      "name": "Blue Business Plus",
      "fee": 0,
      "currency": "USD",
      "reward": "Membership Rewards points",
      "rate": 2,
      "earn": "2 Membership Rewards points per USD 1 on the first USD 50,000 eligible purchases each calendar year, then 1. Eligible AmexTravel.com purchases earn 2 and do not count toward that cap.",
      "route": "Transferable Membership Rewards points; eligible airline partners, ratios and minimums vary. Check the issuer transfer directory before transferring.",
      "mileageRoute": "Bank points",
      "mileageSource": "https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/american-express-blue-business-plus-credit-card-amex/",
      "url": "https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/american-express-blue-business-plus-credit-card-amex/",
      "note": "The product FAQ expressly permits transfers to participating airline and hotel programs. The initial 2-point rate is capped; no flat annual estimate is enabled.",
      "special": [],
      "priorUnverifiedFee": 0,
      "importedFrom": "GitHub c2ad043",
      "verificationScope": "Official product, mileage route, published fee and earning summary checked. Detailed exclusions and fields marked unverified still need review.",
      "earningSource": "https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/american-express-blue-business-plus-credit-card-amex/",
      "imageOriginal": "https://icm.aexp-static.com/Internet/Acquisition/US_en/AppContent/OneSite/open/category/cardarts/blue-business-plus.png"
    },
    {
      "type": "Personal credit card",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": "Points do not expire while the account remains open; closure or account-status changes can forfeit points.",
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "verifiedAt": "2026-10-14",
      "calculatorDisabled": true,
      "mileageEligible": true,
      "status": "Listed on official product website; application subject to approval",
      "verified": true,
      "image": "public/assets/cards/chase-freedom-unlimited.png",
      "imageSource": "https://creditcards.chase.com/cash-back-credit-cards/freedom/unlimited",
      "extra": "https://www.chase.com/personal/credit-cards/education/basics/how-to-transfer-chase-ultimate-rewards-points",
      "eligibility": "US application eligibility, credit history, identification and issuer underwriting apply. Citizenship alone does not guarantee access.",
      "id": "chase-freedom-unlimited",
      "country": "US",
      "issuer": "Chase",
      "name": "Freedom Unlimited",
      "fee": 0,
      "currency": "USD",
      "reward": "Ultimate Rewards points",
      "rate": 1.5,
      "earn": "1.5 Ultimate Rewards points per USD 1 other purchases; 3 on dining and drugstores; 5 through Chase Travel.",
      "route": "Combine Ultimate Rewards with an eligible Sapphire or Ink Business Preferred account before transferring to airlines. This card alone does not provide airline transfers.",
      "mileageRoute": "Requires another card",
      "mileageSource": "https://www.chase.com/personal/credit-cards/education/chase-cards/combining-chase-dining-and-travel-credit-cards",
      "url": "https://creditcards.chase.com/cash-back-credit-cards/freedom/unlimited",
      "note": "Cashback is tracked as Ultimate Rewards points (100 points per USD 1 cashback). Airline transfer requires combining points into another eligible Chase card account. That companion card has a separate fee; the displayed fee covers this card only.",
      "special": [],
      "priorUnverifiedFee": 0,
      "importedFrom": "GitHub c2ad043",
      "verificationScope": "Official product, mileage route, published fee and earning summary checked. Detailed exclusions and fields marked unverified still need review.",
      "earningSource": "https://creditcards.chase.com/cash-back-credit-cards/freedom/unlimited",
      "imageOriginal": "https://www.chase.com/content/dam/unified-assets/card-art/chase-freedom/freedom-unlimited/card_freedomUtld_V.png"
    },
    {
      "type": "Personal credit card",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": "Points do not expire while the account remains open; closure or account-status changes can forfeit points.",
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "verifiedAt": "2026-10-14",
      "calculatorDisabled": true,
      "mileageEligible": true,
      "status": "Listed on official product website; application subject to approval",
      "verified": true,
      "image": "public/assets/cards/chase-freedom-flex.png",
      "imageSource": "https://creditcards.chase.com/cash-back-credit-cards/freedom/flex",
      "extra": "https://www.chase.com/personal/credit-cards/education/basics/how-to-transfer-chase-ultimate-rewards-points",
      "eligibility": "US application eligibility, credit history, identification and issuer underwriting apply. Citizenship alone does not guarantee access.",
      "id": "chase-freedom-flex",
      "country": "US",
      "issuer": "Chase",
      "name": "Freedom Flex",
      "fee": 0,
      "currency": "USD",
      "reward": "Ultimate Rewards points",
      "rate": 1,
      "earn": "1 Ultimate Rewards point per USD 1 other purchases; 3 on dining and drugstores; 5 through Chase Travel, plus 5 on up to USD 1,500 combined quarterly bonus-category spend after activation, then 1.",
      "route": "Combine Ultimate Rewards with an eligible Sapphire or Ink Business Preferred account before transferring to airlines. This card alone does not provide airline transfers.",
      "mileageRoute": "Requires another card",
      "mileageSource": "https://www.chase.com/personal/credit-cards/education/chase-cards/combining-chase-dining-and-travel-credit-cards",
      "url": "https://creditcards.chase.com/cash-back-credit-cards/freedom/flex",
      "note": "Cashback is tracked as Ultimate Rewards points (100 points per USD 1 cashback). Airline transfer requires combining points into another eligible Chase card account. That companion card has a separate fee; the displayed fee covers this card only.",
      "special": [],
      "priorUnverifiedFee": 0,
      "importedFrom": "GitHub c2ad043",
      "verificationScope": "Official product, mileage route, published fee and earning summary checked. Detailed exclusions and fields marked unverified still need review.",
      "earningSource": "https://creditcards.chase.com/cash-back-credit-cards/freedom/flex",
      "imageOriginal": "https://www.chase.com/content/dam/unified-assets/card-art/chase-freedom/freedom-flex/card_freedomFlex_MC.png"
    },
    {
      "type": "Business card with flexible payment option",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "verifiedAt": "2026-10-14",
      "calculatorDisabled": true,
      "mileageEligible": true,
      "status": "Mileage route indexed; current application and detailed terms need review",
      "verified": false,
      "image": "public/assets/cards/capital-one-venture-x-business.png",
      "imageSource": "https://www.capitalone.com/small-business/credit-cards/venture-x-business/",
      "extra": null,
      "eligibility": "US application eligibility, credit history, identification and issuer underwriting apply. Citizenship alone does not guarantee access.",
      "id": "capital-one-venture-x-business",
      "country": "US",
      "issuer": "Capital One",
      "name": "Venture X Business",
      "fee": 395,
      "currency": "USD",
      "reward": "Capital One miles",
      "rate": 2,
      "earn": "2 Capital One miles per USD 1 eligible purchases; 10 on hotels/cars and 5 on flights/vacation rentals booked through Capital One Business Travel.",
      "route": "Transferable Capital One points; eligible airline partners, ratios and minimums vary. Check the issuer transfer directory before transferring.",
      "mileageRoute": "Bank points",
      "mileageSource": "https://www.capitalone.com/small-business/credit-cards/venture-x-business/",
      "url": "https://www.capitalone.com/small-business/credit-cards/venture-x-business/",
      "note": "Imported record; detailed fee, earning, eligibility and transfer terms remain incomplete. An unknown fee is not zero.",
      "special": [],
      "priorUnverifiedFee": 395,
      "importedFrom": "GitHub c2ad043",
      "verificationScope": "Official route evidence checked during catalog integration. Fee and earning fields remain unverified unless separately sourced.",
      "imageOriginal": "https://ecm.capitalone.com/WCM/card/products/compressed-1.5x-vxb-card.png"
    },
    {
      "type": "Personal credit card",
      "firstYearFee": 0,
      "feeWaiver": "Annual fee waived for the first 12 months after account opening.",
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "verifiedAt": "2026-10-15",
      "calculatorDisabled": true,
      "mileageEligible": true,
      "status": "Listed on official product website; application subject to approval",
      "verified": true,
      "image": "public/assets/cards/citi-aadvantage-platinum-select.webp",
      "imageSource": "https://www.citi.com/credit-cards/citi-aadvantage-platinum-select-world-elite-mastercard",
      "extra": null,
      "eligibility": "US application eligibility, credit history, identification and issuer underwriting apply. Citizenship alone does not guarantee access.",
      "id": "citi-aadvantage-platinum-select",
      "country": "US",
      "issuer": "Citi",
      "name": "AAdvantage Platinum Select World Elite Mastercard",
      "fee": 99,
      "currency": "USD",
      "reward": "American Airlines AAdvantage miles",
      "rate": 1,
      "earn": "1 AAdvantage mile per USD 1 other purchases; 2 at restaurants, gas stations and on eligible American Airlines purchases.",
      "route": "Miles credit to your linked American Airlines AAdvantage account.",
      "mileageRoute": "Direct miles",
      "mileageSource": "https://cardupgrade.citi.com/aadvantageplatinumupgrade/Login.aspx",
      "url": "https://www.citi.com/credit-cards/citi-aadvantage-platinum-select-world-elite-mastercard",
      "note": "The issuer page confirms the earning categories. Annual fee USD 99, waived for the first 12 months. The previous catalog URL returned a not-found page and was replaced with the current Citi product page.",
      "special": [],
      "priorUnverifiedFee": 99,
      "importedFrom": "GitHub c2ad043",
      "verificationScope": "Official current earning categories and first-year waiver checked; standard annual fee and full terms remain unverified.",
      "earningSource": "https://www.citi.com/credit-cards/rewards-credit-cards",
      "feeSource": "https://www.citi.com/credit-cards/citi-aadvantage-platinum-select-world-elite-mastercard",
      "imageOriginal": "https://aemapi.citi.com/content/dam/cfs/uspb/usmkt/cards/en/static/images/citi-aadvantage-platinum-elite-credit-card/citi-aadvantage-platinum-elite-credit-card_306x192.webp"
    },
    {
      "type": "Personal credit card",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "verifiedAt": "2026-10-15",
      "calculatorDisabled": true,
      "mileageEligible": true,
      "status": "Listed on official product website; application subject to approval",
      "verified": true,
      "image": "public/assets/cards/citi-aadvantage-executive.webp",
      "imageSource": "https://www.citi.com/credit-cards/citi-aadvantage-executive-world-legend-mastercard",
      "extra": null,
      "eligibility": "US application eligibility, credit history, identification and issuer underwriting apply. Citizenship alone does not guarantee access.",
      "id": "citi-aadvantage-executive",
      "country": "US",
      "issuer": "Citi",
      "name": "AAdvantage Executive World Legend Mastercard",
      "fee": 695,
      "currency": "USD",
      "reward": "American Airlines AAdvantage miles",
      "rate": 1,
      "earn": "1 AAdvantage mile per USD 1 other purchases; 4 on eligible American Airlines purchases (5 after USD 150,000 annual card spend for the rest of that calendar year); 12 on eligible AAdvantage Hotels and AAdvantage Cars bookings.",
      "route": "Miles credit to your linked American Airlines AAdvantage account.",
      "mileageRoute": "Direct miles",
      "mileageSource": "https://www.citi.com/credit-cards/citi-aadvantage-executive-world-legend-mastercard",
      "url": "https://www.citi.com/credit-cards/citi-aadvantage-executive-world-legend-mastercard",
      "note": "Current World Legend product earning rates are used. Annual fee USD 695 per the current Citi product page; older World Elite material may show different rates and fees. Authorized users cost an additional annual fee.",
      "special": [],
      "priorUnverifiedFee": 595,
      "importedFrom": "GitHub c2ad043",
      "verificationScope": "Current product identity and earning schedule checked; annual fee and full terms remain unverified.",
      "earningSource": "https://www.citi.com/credit-cards/citi-aadvantage-executive-world-legend-mastercard",
      "feeSource": "https://www.citi.com/credit-cards/citi-aadvantage-executive-world-legend-mastercard",
      "imageOriginal": "https://aemapi.citi.com/content/dam/cfs/uspb/usmkt/cards/en/static/images/citi-aadvantage-executive-world-legend-mastercard/citi-aadvantage-executive-world-legend-mastercard_306x192.webp"
    },
    {
      "type": "Personal credit card",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "verifiedAt": "2026-10-14",
      "calculatorDisabled": true,
      "mileageEligible": true,
      "status": "Listed on official product website; application subject to approval",
      "verified": true,
      "image": "public/assets/cards/citi-aadvantage-globe.webp",
      "imageSource": "https://www.citi.com/credit-cards/citi-aadvantage-globe-mastercard",
      "extra": null,
      "eligibility": "US application eligibility, credit history, identification and issuer underwriting apply. Citizenship alone does not guarantee access.",
      "id": "citi-aadvantage-globe",
      "country": "US",
      "issuer": "Citi",
      "name": "AAdvantage Globe Mastercard",
      "fee": 350,
      "currency": "USD",
      "reward": "American Airlines AAdvantage miles",
      "rate": 1,
      "earn": "1 AAdvantage mile per USD 1 other purchases; 3 eligible American Airlines, 6 eligible AAdvantage Hotels, 2 restaurants and eligible Rides and Rails.",
      "route": "Miles credit to your linked American Airlines AAdvantage account.",
      "mileageRoute": "Direct miles",
      "mileageSource": "https://www.citi.com/credit-cards/citi-aadvantage-globe-mastercard",
      "url": "https://www.citi.com/credit-cards/citi-aadvantage-globe-mastercard",
      "note": "The issuer fee-versus-benefits page confirms the USD 350 annual fee. Detailed exclusions and application eligibility still require review.",
      "special": [],
      "priorUnverifiedFee": 350,
      "importedFrom": "GitHub c2ad043",
      "verificationScope": "Official product, mileage route, published fee and earning summary checked. Detailed exclusions and fields marked unverified still need review.",
      "feeSource": "https://www.citi.com/credit-cards/credit-card-miles/citi-aadvantage-globe-mastercard-fees-vs-benefits",
      "imageOriginal": "https://aemapi.citi.com/content/dam/cfs/uspb/usmkt/cards/en/static/images/citi-aadvantage-globe-mastercard/citi-aadvantage-globe-mastercard_306x192.webp"
    },
    {
      "type": "Personal credit card",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [
        "JetBlue TrueBlue"
      ],
      "verifiedAt": "2026-10-14",
      "calculatorDisabled": true,
      "mileageEligible": true,
      "status": "Listed on official product website; application subject to approval",
      "verified": true,
      "image": "https://cms.jetblue.com/dam/ui-assets/imagery/CC-images/JB-Card.jpg?auto=webp&width=640&quality=75",
      "imageSource": "https://www.jetblue.com/trueblue/credit-cards/jetblue-card-comparison",
      "extra": null,
      "eligibility": "US application eligibility, credit history, identification and issuer underwriting apply. Citizenship alone does not guarantee access.",
      "id": "jetblue-card",
      "country": "US",
      "issuer": "Barclays",
      "name": "JetBlue Card",
      "fee": 0,
      "currency": "USD",
      "reward": "JetBlue TrueBlue points",
      "rate": 1,
      "earn": "1 TrueBlue point per USD 1 other purchases; 3 on eligible JetBlue, JetBlue Vacations and TrueBlue Travel purchases; 2 at eligible restaurants and grocery stores.",
      "route": "Miles credit to your linked JetBlue TrueBlue account.",
      "mileageRoute": "Direct miles",
      "mileageSource": "https://www.jetblue.com/trueblue/credit-cards/jetblue-card-comparison",
      "url": "https://www.jetblue.com/trueblue/credit-cards/jetblue-card-comparison",
      "note": "US Barclays-issued product. Card rewards are separate from points earned for flying. Welcome bonuses and anniversary bonuses are not included in the base rate.",
      "special": [],
      "priorUnverifiedFee": 0,
      "importedFrom": "GitHub c2ad043",
      "verificationScope": "Official product, mileage route, published fee and earning summary checked. Detailed exclusions and fields marked unverified still need review.",
      "earningSource": "https://www.jetblue.com/trueblue/credit-cards/jetblue-card-comparison"
    },
    {
      "type": "Personal credit card",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [
        "JetBlue TrueBlue"
      ],
      "verifiedAt": "2026-10-14",
      "calculatorDisabled": true,
      "mileageEligible": true,
      "status": "Listed on official product website; application subject to approval",
      "verified": true,
      "image": "https://cms.jetblue.com/dam/ui-assets/imagery/CC-images/JB-Plus-Card.jpg?auto=webp&width=640&quality=75",
      "imageSource": "https://www.jetblue.com/trueblue/credit-cards/jetblue-card-comparison",
      "extra": null,
      "eligibility": "US application eligibility, credit history, identification and issuer underwriting apply. Citizenship alone does not guarantee access.",
      "id": "jetblue-plus",
      "country": "US",
      "issuer": "Barclays",
      "name": "JetBlue Plus Card",
      "fee": 99,
      "currency": "USD",
      "reward": "JetBlue TrueBlue points",
      "rate": 1,
      "earn": "1 TrueBlue point per USD 1 other purchases; 6 on eligible JetBlue, JetBlue Vacations and TrueBlue Travel purchases; 2 at eligible restaurants and grocery stores.",
      "route": "Miles credit to your linked JetBlue TrueBlue account.",
      "mileageRoute": "Direct miles",
      "mileageSource": "https://www.jetblue.com/trueblue/credit-cards/jetblue-card-comparison",
      "url": "https://www.jetblue.com/trueblue/credit-cards/jetblue-card-comparison",
      "note": "US Barclays-issued product. Card rewards are separate from points earned for flying. Welcome bonuses and anniversary bonuses are not included in the base rate.",
      "special": [],
      "priorUnverifiedFee": 99,
      "importedFrom": "GitHub c2ad043",
      "verificationScope": "Official product, mileage route, published fee and earning summary checked. Detailed exclusions and fields marked unverified still need review.",
      "earningSource": "https://www.jetblue.com/trueblue/credit-cards/jetblue-card-comparison"
    },
    {
      "type": "Business credit card",
      "firstYearFee": 0,
      "feeWaiver": "USD 0 introductory annual fee for the first year.",
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "verifiedAt": "2026-10-15",
      "calculatorDisabled": true,
      "mileageEligible": true,
      "status": "Mileage route indexed; current application and detailed terms need review",
      "verified": false,
      "image": "public/assets/cards/delta-gold-business.png",
      "imageSource": "https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/",
      "extra": null,
      "eligibility": "US application eligibility, credit history, identification and issuer underwriting apply. Citizenship alone does not guarantee access.",
      "id": "delta-gold-business",
      "country": "US",
      "issuer": "American Express",
      "name": "Delta SkyMiles Gold Business Card",
      "fee": 150,
      "currency": "USD",
      "reward": "Delta SkyMiles",
      "rate": 1,
      "earn": "1 Delta SkyMile per USD 1 eligible base spend.",
      "route": "Miles credit to your linked Delta SkyMiles account.",
      "mileageRoute": "Direct miles",
      "mileageSource": "https://www.delta.com/content/www/en_US/skymiles/airline-credit-cards/american-express-business-cards.html",
      "url": "https://www.delta.com/content/www/en_US/skymiles/airline-credit-cards/american-express-business-cards.html",
      "note": "Annual fee USD 150 after a USD 0 introductory first year, per the American Express product page. Earning, eligibility and transfer terms remain incomplete. Base earning only, per the issuer product page. The page lists 2X at Delta, U.S. restaurants and U.S. supermarkets, with miles caps. Category bonuses are not itemized here and calculators stay disabled.",
      "special": [],
      "priorUnverifiedFee": 150,
      "importedFrom": "GitHub c2ad043",
      "verificationScope": "Official route evidence checked during catalog integration. Fee and earning fields remain unverified unless separately sourced.",
      "feeSource": "https://www.americanexpress.com/en-us/business/credit-cards/delta-skymiles-gold/",
      "earningSource": "https://www.americanexpress.com/en-us/business/credit-cards/delta-skymiles-gold/",
      "imageOriginal": "https://icm.aexp-static.com/Internet/Acquisition/US_en/AppContent/OneSite/open/category/cardarts/gold-delta-skymiles-business.png"
    },
    {
      "type": "Business credit card",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "verifiedAt": "2026-10-15",
      "calculatorDisabled": true,
      "mileageEligible": true,
      "status": "Mileage route indexed; current application and detailed terms need review",
      "verified": false,
      "image": "public/assets/cards/delta-platinum-business.png",
      "imageSource": "https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/",
      "extra": null,
      "eligibility": "US application eligibility, credit history, identification and issuer underwriting apply. Citizenship alone does not guarantee access.",
      "id": "delta-platinum-business",
      "country": "US",
      "issuer": "American Express",
      "name": "Delta SkyMiles Platinum Business Card",
      "fee": 350,
      "currency": "USD",
      "reward": "Delta SkyMiles",
      "rate": 1,
      "earn": "1 Delta SkyMile per USD 1 eligible base spend.",
      "route": "Miles credit to your linked Delta SkyMiles account.",
      "mileageRoute": "Direct miles",
      "mileageSource": "https://www.delta.com/content/www/en_US/skymiles/airline-credit-cards/american-express-business-cards.html",
      "url": "https://www.delta.com/content/www/en_US/skymiles/airline-credit-cards/american-express-business-cards.html",
      "note": "Annual fee USD 350 per the Delta business-card comparison. Earning, eligibility and transfer terms remain incomplete. Base earning only, per the issuer product page. The page lists 3X at Delta and hotels and 1.5X on transit and other categories. Category bonuses are not itemized here and calculators stay disabled.",
      "special": [],
      "priorUnverifiedFee": 350,
      "importedFrom": "GitHub c2ad043",
      "verificationScope": "Official route evidence checked during catalog integration. Fee and earning fields remain unverified unless separately sourced.",
      "feeSource": "https://www.delta.com/us/en/skymiles/airline-credit-cards/american-express-business-cards",
      "earningSource": "https://www.americanexpress.com/en-us/business/credit-cards/delta-skymiles-platinum/",
      "imageOriginal": "https://icm.aexp-static.com/Internet/Acquisition/US_en/AppContent/OneSite/open/category/cardarts/platinum-delta-skymiles-business.png"
    },
    {
      "type": "Business credit card",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "verifiedAt": "2026-10-14",
      "calculatorDisabled": true,
      "mileageEligible": true,
      "status": "Listed on official product website; application subject to approval",
      "verified": true,
      "image": "public/assets/cards/united-business.png",
      "imageSource": "https://creditcards.chase.com/business-credit-cards/united/united-business-card",
      "extra": null,
      "eligibility": "US application eligibility, credit history, identification and issuer underwriting apply. Citizenship alone does not guarantee access.",
      "id": "united-business",
      "country": "US",
      "issuer": "Chase",
      "name": "United Business Card",
      "fee": 150,
      "currency": "USD",
      "reward": "United MileagePlus miles",
      "rate": 1,
      "earn": "1 MileagePlus mile per USD 1 other eligible purchases; 2 on eligible United purchases, United Card Events from Chase, restaurants, gas stations, office supply stores and local transit/commuting.",
      "route": "Miles credit to your linked United MileagePlus account.",
      "mileageRoute": "Direct miles",
      "mileageSource": "https://creditcards.chase.com/business-credit-cards/united/united-business-card",
      "url": "https://creditcards.chase.com/business-credit-cards/united/united-business-card",
      "note": "Card earning follows the issuer reward rules. MileagePlus flight-activity miles are additional and not included in these card-only rates. Excludes fees, cash-like transactions and balance transfers.",
      "special": [],
      "priorUnverifiedFee": 150,
      "importedFrom": "GitHub c2ad043",
      "verificationScope": "Official product, mileage route, published fee and earning summary checked. Detailed exclusions and fields marked unverified still need review.",
      "earningSource": "https://creditcards.chase.com/business-credit-cards/united/united-business-card",
      "imageOriginal": "https://creditcards.chase.com/content/dam/jpmc-marketplace/card-art/united_biz_new_card.png"
    },
    {
      "type": "Business credit card",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "verifiedAt": "2026-10-15",
      "calculatorDisabled": true,
      "mileageEligible": true,
      "status": "Mileage route indexed; current application and detailed terms need review",
      "verified": false,
      "image": "public/assets/cards/southwest-performance-business.png",
      "imageSource": "https://creditcards.chase.com/southwest/performance-business-credit-card",
      "extra": null,
      "eligibility": "US application eligibility, credit history, identification and issuer underwriting apply. Citizenship alone does not guarantee access.",
      "id": "southwest-performance-business",
      "country": "US",
      "issuer": "Chase",
      "name": "Southwest Rapid Rewards Performance Business",
      "fee": null,
      "currency": "USD",
      "reward": "Southwest Rapid Rewards points",
      "rate": 1,
      "earn": "1 Rapid Rewards point per USD 1 eligible base spend.",
      "route": "Miles credit to your linked Southwest Rapid Rewards account.",
      "mileageRoute": "Direct miles",
      "mileageSource": "https://creditcards.chase.com/southwest/performance-business-credit-card",
      "url": "https://creditcards.chase.com/southwest/performance-business-credit-card",
      "note": "Base earning only, per the issuer product page. The page lists 4 points on Southwest purchases and 2 points on gas, dining, transit and hotels booked directly. Category bonuses are not itemized here and calculators stay disabled.",
      "special": [],
      "priorUnverifiedFee": 199,
      "importedFrom": "GitHub c2ad043",
      "verificationScope": "Official route evidence checked during catalog integration. Fee and earning fields remain unverified unless separately sourced.",
      "earningSource": "https://creditcards.chase.com/southwest/performance-business-credit-card",
      "imageOriginal": "https://creditcards.chase.com/content/dam/jpmc-marketplace/card-art/swa_performance_biz_card.png"
    },
    {
      "type": "Personal credit card",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "verifiedAt": "2026-10-15",
      "calculatorDisabled": true,
      "mileageEligible": true,
      "status": "Mileage route indexed; current application and detailed terms need review",
      "verified": false,
      "image": "public/assets/cards/marriott-bonvoy-boundless.png",
      "imageSource": "https://creditcards.chase.com/travel-credit-cards/marriott-bonvoy/boundless",
      "extra": null,
      "eligibility": "US application eligibility, credit history, identification and issuer underwriting apply. Citizenship alone does not guarantee access.",
      "id": "marriott-bonvoy-boundless",
      "country": "US",
      "issuer": "Chase",
      "name": "Marriott Bonvoy Boundless",
      "fee": 95,
      "currency": "USD",
      "reward": "Marriott Bonvoy points",
      "rate": 2,
      "earn": "2 Bonvoy points per USD 1 other purchases; 6 at participating Marriott properties; 3 on the first USD 6,000 combined annual grocery, gas and dining spend, then 2. Hotel-stay points are separate.",
      "route": "Earn hotel-program points, then request conversion to participating airline miles. Partner-specific ratios, thresholds and transfer timing require review.",
      "mileageRoute": "Via hotel points",
      "mileageSource": "https://www.marriott.com/loyalty/terms/default.mi",
      "url": "https://creditcards.chase.com/travel-credit-cards/marriott-bonvoy/boundless",
      "note": "Annual fee USD 95 per the Chase product page. Earning, eligibility and transfer terms remain incomplete.",
      "special": [],
      "priorUnverifiedFee": 95,
      "importedFrom": "GitHub c2ad043",
      "verificationScope": "Official route evidence checked during catalog integration. Fee and earning fields remain unverified unless separately sourced.",
      "feeSource": "https://creditcards.chase.com/travel-credit-cards/marriott-bonvoy/boundless",
      "imageOriginal": "https://creditcards.chase.com/content/dam/jpmc-marketplace/card-art/marriott-bonvoy-boundless-card.png"
    },
    {
      "type": "Personal credit card",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "verifiedAt": "2026-10-15",
      "calculatorDisabled": true,
      "mileageEligible": true,
      "status": "Mileage route indexed; current application and detailed terms need review",
      "verified": false,
      "image": "public/assets/cards/marriott-bonvoy-brilliant.png",
      "imageSource": "https://www.americanexpress.com/us/credit-cards/card/marriott-bonvoy-brilliant/",
      "extra": null,
      "eligibility": "US application eligibility, credit history, identification and issuer underwriting apply. Citizenship alone does not guarantee access.",
      "id": "marriott-bonvoy-brilliant",
      "country": "US",
      "issuer": "American Express",
      "name": "Marriott Bonvoy Brilliant",
      "fee": 650,
      "currency": "USD",
      "reward": "Marriott Bonvoy points",
      "rate": 2,
      "earn": "2 Marriott Bonvoy points per USD 1 eligible base spend.",
      "route": "Earn hotel-program points, then request conversion to participating airline miles. Partner-specific ratios, thresholds and transfer timing require review.",
      "mileageRoute": "Via hotel points",
      "mileageSource": "https://www.marriott.com/loyalty/terms/default.mi",
      "url": "https://www.americanexpress.com/us/credit-cards/card/marriott-bonvoy-brilliant/",
      "note": "Annual fee USD 650 per the American Express product page; no annual fee for additional cards. Earning, eligibility and transfer terms remain incomplete. Base earning only, per the issuer product page. The page lists 6X at Marriott hotels and 3X at restaurants and on flights booked directly with airlines. Category bonuses are not itemized here and calculators stay disabled.",
      "special": [],
      "priorUnverifiedFee": 650,
      "importedFrom": "GitHub c2ad043",
      "verificationScope": "Official route evidence checked during catalog integration. Fee and earning fields remain unverified unless separately sourced.",
      "feeSource": "https://www.americanexpress.com/us/credit-cards/card/marriott-bonvoy-brilliant/",
      "earningSource": "https://www.americanexpress.com/us/credit-cards/card/marriott-bonvoy-brilliant/",
      "imageOriginal": "https://icm.aexp-static.com/Internet/Acquisition/US_en/AppContent/OneSite/category/cardarts/marriott-bonvoy-brilliant-card.png"
    },
    {
      "type": "Personal credit card",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "verifiedAt": "2026-10-14",
      "calculatorDisabled": true,
      "mileageEligible": true,
      "status": "Mileage route indexed; current application and detailed terms need review",
      "verified": false,
      "image": "public/assets/cards/hilton-honors-aspire.png",
      "imageSource": "https://www.hilton.com/en/hilton-honors/credit-cards/",
      "extra": null,
      "eligibility": "US application eligibility, credit history, identification and issuer underwriting apply. Citizenship alone does not guarantee access.",
      "id": "hilton-honors-aspire",
      "country": "US",
      "issuer": "American Express",
      "name": "Hilton Honors Aspire",
      "fee": 550,
      "currency": "USD",
      "reward": "Hilton Honors points",
      "rate": null,
      "earn": "See current issuer earning schedule; calculator unavailable pending rate verification.",
      "route": "Earn hotel-program points, then request conversion to participating airline miles. Partner-specific ratios, thresholds and transfer timing require review.",
      "mileageRoute": "Via hotel points",
      "mileageSource": "https://www.hilton.com/en/hilton-honors/support-faq/",
      "url": "https://www.hilton.com/en/hilton-honors/credit-cards/",
      "note": "Imported record; detailed fee, earning, eligibility and transfer terms remain incomplete. An unknown fee is not zero.",
      "special": [],
      "priorUnverifiedFee": 550,
      "importedFrom": "GitHub c2ad043",
      "verificationScope": "Official route evidence checked during catalog integration. Fee and earning fields remain unverified unless separately sourced.",
      "imageOriginal": "https://icm.aexp-static.com/Internet/Acquisition/US_en/AppContent/OneSite/category/cardarts/hilton-honors-aspire.png"
    },
    {
      "type": "Personal credit card",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "verifiedAt": "2026-10-15",
      "calculatorDisabled": true,
      "mileageEligible": true,
      "status": "Mileage route indexed; current application and detailed terms need review",
      "verified": false,
      "image": "public/assets/cards/ihg-premier.png",
      "imageSource": "https://creditcards.chase.com/travel-credit-cards/ihg-rewards-club/premier",
      "extra": null,
      "eligibility": "US application eligibility, credit history, identification and issuer underwriting apply. Citizenship alone does not guarantee access.",
      "id": "ihg-premier",
      "country": "US",
      "issuer": "Chase",
      "name": "IHG One Rewards Premier",
      "fee": null,
      "currency": "USD",
      "reward": "IHG One Rewards points",
      "rate": 3,
      "earn": "3 IHG One Rewards points per USD 1 eligible base spend.",
      "route": "Earn hotel-program points, then request conversion to participating airline miles. Partner-specific ratios, thresholds and transfer timing require review.",
      "mileageRoute": "Via hotel points",
      "mileageSource": "https://www.ihg.com/content/us/en/customer-care/frequently-asked-questions",
      "url": "https://creditcards.chase.com/travel-credit-cards/ihg-rewards-club/premier",
      "note": "Official offer pages show differing USD 99 and USD 150 fee versions. Current applicable fee is left unverified; confirm the application pricing box. Base earning only, per the issuer product page. The page lists 10X at IHG hotels and 5X on flights booked directly, car rentals, dining, groceries and gas. Category bonuses are not itemized here and calculators stay disabled.",
      "special": [],
      "priorUnverifiedFee": 99,
      "importedFrom": "GitHub c2ad043",
      "verificationScope": "Official route evidence checked during catalog integration. Fee and earning fields remain unverified unless separately sourced.",
      "earningSource": "https://creditcards.chase.com/travel-credit-cards/ihg-rewards-club/premier",
      "imageOriginal": "https://creditcards.chase.com/content/dam/jpmc-marketplace/card-art/ihgpremiercardart2026.png"
    },
    {
      "type": "Personal credit card",
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "verifiedAt": "2026-10-14",
      "calculatorDisabled": true,
      "mileageEligible": true,
      "status": "Existing-holder rewards rules; new applications not established",
      "verified": false,
      "image": "public/assets/cards/usbank-altitude-reserve.png",
      "imageSource": "https://rewards.usbank.com/benefits/card/AltitudeReserveBenefits",
      "extra": null,
      "eligibility": "Existing US-resident adult Altitude Reserve account holder; a new-application route has not been established.",
      "id": "usbank-altitude-reserve",
      "country": "US",
      "issuer": "U.S. Bank",
      "name": "Altitude Reserve Visa Infinite",
      "fee": null,
      "currency": "USD",
      "reward": "Altitude Rewards points",
      "rate": 1,
      "earn": "1 point per USD 1 other eligible purchases; 3 eligible travel and mobile-wallet spend (mobile-wallet bonus capped at USD 5,000 per billing cycle); 10 prepaid hotels/cars and 5 prepaid flights through the bank travel center.",
      "route": "Current Altitude Reserve rules include transfers to participating travel loyalty programs. Review available airline partners and ratios in the rewards portal.",
      "mileageRoute": "Bank points",
      "mileageSource": "https://rewards.usbank.com/benefits/card/AltitudeReserveBenefits/program-rules",
      "url": "https://rewards.usbank.com/benefits/card/AltitudeReserveBenefits/program-rules",
      "note": "Imported record; detailed fee, earning, eligibility and transfer terms remain incomplete. An unknown fee is not zero.",
      "special": [],
      "priorUnverifiedFee": 400,
      "importedFrom": "GitHub c2ad043",
      "verificationScope": "Official route evidence checked during catalog integration. Fee and earning fields remain unverified unless separately sourced.",
      "imageOriginal": "https://www.usbank.com/content/dam/usbank/images/rps/large/Altitude_Reserve_382x609.png"
    },
    {
      "type": "Personal credit card",
      "mileageEligible": true,
      "status": "Listed on official issuer website; application subject to approval",
      "verified": true,
      "verifiedAt": "2026-10-14",
      "calculatorDisabled": true,
      "firstYearFee": null,
      "feeWaiver": "Annual fee redemption: 100,000 Poin Vantage for Treasures/Treasures Private Client customers; 125,000 for other customers.",
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": 10000,
      "transferFee": null,
      "processingTime": null,
      "image": "https://www.dbs.id/id/iwov-resources/images/kartu/dbs-vantage-visa-infinite-icon-card.jpg?cl11",
      "imageSource": "https://www.dbs.id/digibank/id/id/kartu/kartu-digibank/dbs-vantage-visa-infinite",
      "partners": [
        "Singapore Airlines KrisFlyer",
        "GarudaMiles",
        "Cathay Asia Miles"
      ],
      "programIds": [
        "krisflyer",
        "garuda",
        "cathay"
      ],
      "income": null,
      "verificationScope": "Product, published fee, earning summary and mileage route reviewed; fields marked unverified still need review.",
      "id": "dbs-indonesia-vantage",
      "country": "ID",
      "issuer": "DBS Indonesia",
      "name": "Vantage Visa Infinite",
      "fee": 5000000,
      "currency": "IDR",
      "reward": "Poin Vantage",
      "rate": 0.00013333333333333334,
      "earn": "1 Poin Vantage per IDR 7,500 eligible domestic or international purchases.",
      "url": "https://www.dbs.id/digibank/id/id/kartu/kartu-digibank/dbs-vantage-visa-infinite",
      "mileageRoute": "Bank points",
      "route": "1 Poin Vantage converts to 1 KrisFlyer mile, GarudaMile or Asia Mile; minimum transfer 10,000 Poin Vantage.",
      "mileageSource": "https://www.dbs.id/digibank/id/id/kartu/kartu-kredit/poin-rewards-digibank.page",
      "earningSource": "https://www.dbs.id/digibank/id/id/kartu/kartu-kredit/poin-rewards-digibank.page",
      "extra": "https://www.dbs.id/digibank/id/id/kartu/how-to/tarif-dan-biaya",
      "transfers": [
        {
          "program": "KrisFlyer",
          "points": 1,
          "miles": 1,
          "minimumPoints": 10000,
          "increment": null,
          "processing": "Not verified"
        },
        {
          "program": "GarudaMiles",
          "points": 1,
          "miles": 1,
          "minimumPoints": 10000,
          "increment": null,
          "processing": "Not verified"
        },
        {
          "program": "Asia Miles",
          "points": 1,
          "miles": 1,
          "minimumPoints": 10000,
          "increment": null,
          "processing": "Not verified"
        }
      ],
      "note": "Published standard fee is IDR 5 million; targeted wealth-program cashback is conditional. Do not confuse Poin Vantage with other DBS Rewards Points.",
      "eligibility": "Indonesian banking and credit approval required. Separate application routes for Treasures/TPC and non-DBS customers; card-specific income criteria need confirmation."
    },
    {
      "type": "Personal credit card",
      "mileageEligible": true,
      "status": "Listed on official issuer website; application subject to approval",
      "verified": true,
      "verifiedAt": "2026-10-14",
      "calculatorDisabled": true,
      "firstYearFee": 0,
      "feeWaiver": null,
      "rounding": "UNI$ earned in SGD 5 blocks; merchant and payment exclusions apply.",
      "pointsExpiry": null,
      "transferMinimum": 5000,
      "transferFee": 27,
      "processingTime": null,
      "image": "public/assets/cards/sg-uob-preferred-visa.jpg",
      "imageSource": "https://www.uob.com.sg/personal/cards/rewards/preferred-visa-card.page",
      "partners": [
        "Singapore Airlines KrisFlyer",
        "Cathay Asia Miles"
      ],
      "programIds": [
        "krisflyer",
        "cathay"
      ],
      "income": null,
      "verificationScope": "Product, published fee, earning summary and mileage route reviewed; fields marked unverified still need review.",
      "id": "sg-uob-preferred-visa",
      "country": "SG",
      "issuer": "UOB",
      "name": "Preferred Visa Card",
      "fee": 196.2,
      "currency": "SGD",
      "reward": "UNI$",
      "rate": 0.2,
      "earn": "UNI$1 per SGD 5 other purchases; UNI$10 per SGD 5 selected online and mobile contactless purchases. Since October 1, 2025, extra UNI$ cap is 1,080 per category monthly (2,160 combined).",
      "url": "https://www.uob.com.sg/personal/cards/rewards/preferred-visa-card.page",
      "mileageRoute": "Bank points",
      "route": "UNI$5,000 converts to 10,000 KrisFlyer or Asia Miles after programme enrolment.",
      "mileageSource": "https://forms.uob.com.sg/personal/cards/rewards/miles.html",
      "extra": "https://pib.uob.com.sg/Rewards/online_help/faq.html",
      "transfers": [
        {
          "program": "Singapore Airlines KrisFlyer",
          "points": 5000,
          "miles": 10000,
          "minimumPoints": 5000,
          "increment": 5000,
          "processing": "Up to 5 working days"
        },
        {
          "program": "Cathay Asia Miles",
          "points": 5000,
          "miles": 10000,
          "minimumPoints": 5000,
          "increment": 5000,
          "processing": "Up to 14 working days"
        }
      ],
      "note": "Current name is Preferred Visa Card. Physical-card contactless payments alone do not qualify as mobile contactless. The older combined UNI$2,000 bonus cap has been replaced.",
      "eligibility": "Age 21+; annual income SGD 30,000 for Singaporeans/PRs up to age 55, SGD 15,000 above 55, or SGD 40,000 for foreigners; secured-card alternative subject to bank terms.",
      "imageOriginal": "https://www.uob.com.sg/assets/web-resources/personal/images/cards/rewards/preferred-platinum-visa-card/carousel-banner/cash-credit.jpg"
    },
    {
      "type": "Personal credit card",
      "mileageEligible": true,
      "status": "Listed on official issuer website; application subject to approval",
      "verified": true,
      "verifiedAt": "2026-10-14",
      "calculatorDisabled": true,
      "firstYearFee": 0,
      "feeWaiver": "First two years waived; later automatic waiver at SGD 10,000 eligible annual spend.",
      "rounding": "OCBC$ awarded in SGD 5 blocks per transaction.",
      "pointsExpiry": "Expires on the last day of the 24th calendar month from earning.",
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": "https://www.ocbc.com/iwov-resources/sg/ocbc/personal/img/live/cards/rewards-card/rewardscard-noshadow.png",
      "imageSource": "https://www.ocbc.com/personal-banking/cards/rewards-card.page",
      "partners": [
        "Singapore Airlines KrisFlyer"
      ],
      "programIds": [
        "krisflyer"
      ],
      "income": null,
      "verificationScope": "Product, published fee, earning summary and mileage route reviewed; fields marked unverified still need review.",
      "id": "sg-ocbc-rewards",
      "country": "SG",
      "issuer": "OCBC",
      "name": "Rewards Card",
      "fee": 196.2,
      "currency": "SGD",
      "reward": "OCBC$",
      "rate": 1,
      "earn": "1 OCBC$ per SGD 1 base; 10 per SGD 1 selected retail transactions. Standard extra-points cap: 10,000 monthly. Separate 15x merchant promotion has its own additional cap and expiry.",
      "url": "https://www.ocbc.com/personal-banking/cards/rewards-card.page",
      "mileageRoute": "Bank points",
      "route": "25,000 OCBC$ converts to 10,000 KrisFlyer miles. Other partners have separate ratios.",
      "mileageSource": "https://www.ocbc.com/personal-banking/cards/rewards-card.page",
      "note": "Published 15x promotion at specified merchants runs through March 31, 2027; the standard earning summary excludes that temporary bonus. Transfer minimums and fee remain unverified.",
      "eligibility": "Age 21+; Singaporeans/PRs annual income SGD 30,000 up to age 55, SGD 15,000 above 55; foreigners SGD 45,000."
    },
    {
      "type": "Personal credit card",
      "mileageEligible": true,
      "status": "Listed on official issuer website; application subject to approval",
      "verified": true,
      "verifiedAt": "2026-10-14",
      "calculatorDisabled": true,
      "firstYearFee": null,
      "feeWaiver": "From January 2026: MYR 50,000 spending in the preceding card year waives the annual fee.",
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": "public/assets/cards/my-uob-prvi-miles-elite.png",
      "imageSource": "https://www.uob.com.my/personal/cards/credit-cards/uob-prvi-miles-elite-card.page",
      "partners": [
        "Malaysia Airlines Enrich",
        "Singapore Airlines KrisFlyer",
        "Cathay Asia Miles"
      ],
      "programIds": [
        "krisflyer",
        "cathay"
      ],
      "income": null,
      "verificationScope": "Product, published fee, earning summary and mileage route reviewed; fields marked unverified still need review.",
      "id": "my-uob-prvi-miles-elite",
      "country": "MY",
      "issuer": "UOB",
      "name": "PRVI Miles Elite Card",
      "fee": 600,
      "currency": "MYR",
      "reward": "UNIRinggit (UNIRM)",
      "rate": 1,
      "earn": "1 UNIRM per MYR 1 local purchases; 5 on airlines; 12 on spending in SGD, THB, VND and IDR; 10 in other foreign currencies.",
      "url": "https://www.uob.com.my/personal/cards/credit-cards/uob-prvi-miles-elite-card.page",
      "mileageRoute": "Bank points",
      "route": "12,000 UNIRM converts to 1,000 Enrich Points, KrisFlyer miles or Asia Miles.",
      "mileageSource": "https://www.uob.com.my/personal/cards/credit-cards/uob-prvi-miles-elite-card.page",
      "extra": "https://www.uob.com.my/personal/useful/fees/creditcard-annualfee.page",
      "note": "Malaysian statutory card service tax is separate. Welcome and Agoda promotional bonuses excluded. Confirm transfer minimums and fees.",
      "eligibility": "Age 21+; minimum annual income MYR 100,000. Foreign salaried applicants need passport, salary evidence, employment letter and a work permit valid at least one year.",
      "transfers": [
        {
          "program": "Enrich",
          "points": 12000,
          "miles": 1000,
          "minimumPoints": null,
          "increment": null,
          "processing": "Not verified"
        },
        {
          "program": "KrisFlyer",
          "points": 12000,
          "miles": 1000,
          "minimumPoints": null,
          "increment": null,
          "processing": "Not verified"
        },
        {
          "program": "Asia Miles",
          "points": 12000,
          "miles": 1000,
          "minimumPoints": null,
          "increment": null,
          "processing": "Not verified"
        }
      ],
      "imageOriginal": "https://www.uob.com.my/assets/web-resources/personal/images/card/credit-cards/uob-prvi-miles-elite-card/prvi-miles-elite-card-desk-1920x600.jpg"
    },
    {
      "type": "Personal credit card",
      "mileageEligible": true,
      "status": "Listed on official issuer website; application subject to approval",
      "verified": true,
      "verifiedAt": "2026-10-14",
      "calculatorDisabled": true,
      "firstYearFee": 0,
      "feeWaiver": "Annual card fee waived for life.",
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": "public/assets/cards/my-hlb-infinite.png",
      "imageSource": "https://www.hlb.com.my/en/personal-banking/credit-cards/travel/infinite.html",
      "partners": [
        "Malaysia Airlines Enrich"
      ],
      "programIds": [],
      "income": null,
      "verificationScope": "Product, published fee, earning summary and mileage route reviewed; fields marked unverified still need review.",
      "id": "my-hlb-infinite",
      "country": "MY",
      "issuer": "Hong Leong Bank",
      "name": "Infinite Credit Card",
      "fee": 0,
      "currency": "MYR",
      "reward": "Enrich Points",
      "rate": 0.16666666666666666,
      "earn": "1 Enrich Point per MYR 6 other purchases; 1 per MYR 4 eligible travel/shopping; 1 per MYR 1 dining. Local and overseas schedules are the same.",
      "url": "https://www.hlb.com.my/en/personal-banking/credit-cards/travel/infinite.html",
      "mileageRoute": "Direct miles",
      "route": "Eligible purchases earn Enrich Points automatically without a transfer request.",
      "mileageSource": "https://www.hlb.com.my/en/personal-banking/credit-cards/travel/infinite.html",
      "note": "No published points cap. Government, JomPay, FPX, HLB QR Pay, cash advances, quasi-cash, instalment plans, balance transfers and fees are excluded. Statutory card service tax is separate.",
      "eligibility": "Principal applicant age 21–70; minimum annual income MYR 100,000. Issuer identity and credit requirements apply.",
      "imageOriginal": "https://www.hlb.com.my/content/dam/hlb/my/images/Personal/Credit_Cards/Infinite/infinite_product_tile_front_en.png"
    },
    {
      "type": "Personal credit card",
      "mileageEligible": true,
      "status": "Listed on official issuer website; application subject to approval",
      "verified": true,
      "verifiedAt": "2026-10-14",
      "calculatorDisabled": true,
      "firstYearFee": 0,
      "feeWaiver": "Free for life without conditions.",
      "rounding": "Accumulates daily per transaction; rounded to the nearest Enrich Point.",
      "pointsExpiry": "Three years, expiring at the end of the month in the third year, unless otherwise stated.",
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": "public/assets/cards/my-ambank-enrich-platinum.jpg",
      "imageSource": "https://www.ambank.com.my/cards/credit-cards/ambank-enrich-visa-platinum-credit-card",
      "partners": [
        "Malaysia Airlines Enrich"
      ],
      "programIds": [],
      "income": null,
      "verificationScope": "Product, published fee, earning summary and mileage route reviewed; fields marked unverified still need review.",
      "id": "my-ambank-enrich-platinum",
      "country": "MY",
      "issuer": "AmBank",
      "name": "Enrich Visa Platinum Credit Card",
      "fee": 0,
      "currency": "MYR",
      "reward": "Enrich Points",
      "rate": 0.14285714285714285,
      "earn": "1 Enrich Point per MYR 7 local/other-airline purchases; 1 per MYR 3 overseas or Malaysia Airlines spend; 1 per MYR 13 local education/insurance/utilities, capped at 8,000 points per statement cycle for that group.",
      "url": "https://www.ambank.com.my/cards/credit-cards/ambank-enrich-visa-platinum-credit-card",
      "mileageRoute": "Direct miles",
      "route": "Points credited into the cardholder’s Enrich account; no bank-point transfer required.",
      "mileageSource": "https://www.ambank.com.my/docs/ambankretaillibraries/credit-cards-doc/terms-and-conditions/enrichvisacreditcardstnc.pdf",
      "extra": "https://www.ambank.com.my/docs/ambankretaillibraries/credit-cards-doc/terms-and-conditions/enrichvisacreditcardstnc.pdf",
      "note": "Personal purchases only. Petrol, charity, government payments, JomPay/FPX/DuitNow QR, e-wallet loads and instalments are among exclusions. Statutory service tax is separate.",
      "eligibility": "Principal cardholder age 21+. Current minimum income not yet recorded. Enrich registration and bank identity/credit checks required.",
      "imageOriginal": "https://www.ambank.com.my/images/ambankretaillibraries/credit-cards/enrich-cards/ambankenrichvisaplatinumbanner.jpg"
    },
    {
      "type": "Personal credit card",
      "mileageEligible": true,
      "status": "Listed on official issuer website; application subject to approval",
      "verified": true,
      "verifiedAt": "2026-10-14",
      "calculatorDisabled": true,
      "firstYearFee": 0,
      "feeWaiver": "First year waived for approvals through June 30, 2027. Later years: 50% waiver at MYR 50,000 and full waiver at MYR 100,000 annual spend.",
      "rounding": "Accumulates daily per transaction; rounded to the nearest Enrich Point.",
      "pointsExpiry": "Three years, expiring at the end of the month in the third year, unless otherwise stated.",
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": "public/assets/cards/my-ambank-enrich-infinite.jpg",
      "imageSource": "https://www.ambank.com.my/cards/credit-cards/ambank-enrich-visa-infinite-credit-cards",
      "partners": [
        "Malaysia Airlines Enrich"
      ],
      "programIds": [],
      "income": null,
      "verificationScope": "Product, published fee, earning summary and mileage route reviewed; fields marked unverified still need review.",
      "id": "my-ambank-enrich-infinite",
      "country": "MY",
      "issuer": "AmBank",
      "name": "Enrich Visa Infinite Credit Card",
      "fee": 500,
      "currency": "MYR",
      "reward": "Enrich Points",
      "rate": 0.16666666666666666,
      "earn": "1 Enrich Point per MYR 6 local/other-airline purchases; 1 per MYR 2 overseas or Malaysia Airlines spend; 1 per MYR 12 local education/insurance/utilities, capped at 8,000 points per statement cycle for that group.",
      "url": "https://www.ambank.com.my/cards/credit-cards/ambank-enrich-visa-infinite-credit-cards",
      "mileageRoute": "Direct miles",
      "route": "Points credited into the cardholder’s Enrich account; no bank-point transfer required.",
      "mileageSource": "https://www.ambank.com.my/docs/ambankretaillibraries/credit-cards-doc/terms-and-conditions/enrichvisacreditcardstnc.pdf",
      "extra": "https://www.ambank.com.my/docs/ambankretaillibraries/credit-cards-doc/terms-and-conditions/enrichvisacreditcardstnc.pdf",
      "note": "Personal purchases only. Petrol, charity, government payments, JomPay/FPX/DuitNow QR, e-wallet loads and instalments are among exclusions. Statutory service tax is separate.",
      "eligibility": "Principal cardholder age 21+. Minimum annual income MYR 100,000. Enrich registration and bank identity/credit checks required.",
      "imageOriginal": "https://www.ambank.com.my/images/ambankretaillibraries/credit-cards/enrich-cards/ambankenrichvisainfinitebanner.jpg"
    },
    {
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": "https://cms.jetblue.com/dam/ui-assets/imagery/CC-images/JB-Premier-Card.jpg?auto=webp&width=640&quality=75",
      "imageSource": "https://www.jetblue.com/trueblue/credit-cards/jetblue-card-comparison",
      "income": null,
      "id": "us-jetblue-premier",
      "country": "US",
      "issuer": "Barclays",
      "name": "JetBlue Premier World Elite Mastercard",
      "fee": 499,
      "currency": "USD",
      "reward": "JetBlue TrueBlue points",
      "rate": 1,
      "earn": "1 TrueBlue point per USD 1 other purchases; 6 on eligible JetBlue, JetBlue Vacations and TrueBlue Travel purchases; 2 at eligible restaurants and grocery stores.",
      "url": "https://www.jetblue.com/trueblue/credit-cards/jetblue-card-comparison",
      "type": "Personal credit card",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "status": "Listed on official product website; application subject to approval",
      "verified": true,
      "verifiedAt": "2026-10-14",
      "calculatorDisabled": true,
      "partners": [
        "JetBlue TrueBlue"
      ],
      "programIds": [],
      "mileageSource": "https://www.jetblue.com/trueblue/credit-cards/jetblue-card-comparison",
      "earningSource": "https://www.jetblue.com/trueblue/credit-cards/jetblue-card-comparison",
      "verificationScope": "Official product, mileage route, published fee and earning summary checked. Detailed exclusions and fields marked unverified still need review.",
      "route": "Eligible card purchases earn airline-program points credited to your linked loyalty account.",
      "note": "Issued by Barclays Bank Delaware. Authorized users cost USD 150 each per year; this is separate from the primary-card fee. Application is subject to credit approval.",
      "eligibility": "Local residency, identification, income and credit-assessment requirements apply; confirm the product-specific application criteria with the issuer."
    },
    {
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": "https://cms.jetblue.com/dam/ui-assets/imagery/CC-images/JB-Business-Card.jpg?auto=webp&width=640&quality=75",
      "imageSource": "https://www.jetblue.com/trueblue/credit-cards/jetblue-card-comparison",
      "income": null,
      "id": "us-jetblue-business",
      "country": "US",
      "issuer": "Barclays",
      "name": "JetBlue Business Card",
      "fee": 99,
      "currency": "USD",
      "reward": "JetBlue TrueBlue points",
      "rate": 1,
      "earn": "1 TrueBlue point per USD 1 other purchases; 6 on eligible JetBlue, JetBlue Vacations and TrueBlue Travel purchases; 2 at eligible restaurants and office supply stores.",
      "url": "https://www.jetblue.com/trueblue/credit-cards/jetblue-card-comparison",
      "type": "Business credit card",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "status": "Listed on official product website; application subject to approval",
      "verified": true,
      "verifiedAt": "2026-10-14",
      "calculatorDisabled": true,
      "partners": [
        "JetBlue TrueBlue"
      ],
      "programIds": [],
      "mileageSource": "https://www.jetblue.com/trueblue/credit-cards/jetblue-card-comparison",
      "earningSource": "https://www.jetblue.com/trueblue/credit-cards/jetblue-card-comparison",
      "verificationScope": "Official product, mileage route, published fee and earning summary checked. Detailed exclusions and fields marked unverified still need review.",
      "route": "Eligible card purchases earn airline-program points credited to your linked loyalty account.",
      "note": "US business card issued by Barclays Bank Delaware. Grocery purchases are not the business-card 2X category. Confirm business eligibility and current application terms.",
      "eligibility": "Local residency, identification, income and credit-assessment requirements apply; confirm the product-specific application criteria with the issuer."
    },
    {
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": "public/assets/cards/us-citi-aadvantage-mileup.webp",
      "imageSource": "https://www.citi.com/credit-cards/aadvantage-mile-up-credit-card",
      "income": null,
      "id": "us-citi-aadvantage-mileup",
      "country": "US",
      "issuer": "Citi",
      "name": "AAdvantage MileUp Card",
      "fee": 0,
      "currency": "USD",
      "reward": "American Airlines AAdvantage miles",
      "rate": 1,
      "earn": "1 AAdvantage mile per USD 1 other purchases; 2 on eligible American Airlines and grocery-store purchases, including grocery delivery.",
      "url": "https://www.citi.com/credit-cards/aadvantage-mile-up-credit-card",
      "type": "Personal credit card",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "status": "Listed on official product website; application subject to approval",
      "verified": true,
      "verifiedAt": "2026-10-14",
      "calculatorDisabled": true,
      "partners": [
        "American Airlines AAdvantage"
      ],
      "programIds": [],
      "mileageSource": "https://www.citi.com/credit-cards/aadvantage-mile-up-credit-card",
      "earningSource": "https://www.citi.com/credit-cards/aadvantage-mile-up-credit-card",
      "verificationScope": "Official product, mileage route, published fee and earning summary checked. Detailed exclusions and fields marked unverified still need review.",
      "route": "Eligible card purchases earn airline-program points credited to your linked loyalty account.",
      "note": "The issuer confirms no annual fee and no cap on miles earned. AAdvantage miles and status-qualifying Loyalty Points are separate currencies.",
      "eligibility": "Local residency, identification, income and credit-assessment requirements apply; confirm the product-specific application criteria with the issuer.",
      "imageOriginal": "https://aemapi.citi.com/content/dam/cfs/uspb/usmkt/cards/en/static/images/aadvantage-mile-up-credit-card/aadvantage-mile-up-credit-card_306x192.webp"
    },
    {
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": "https://icm.aexp-static.com/Internet/internationalcardshop/en_ca/images/cards/Business_Platinum_Card.png",
      "imageSource": "https://www.americanexpress.com/en-ca/charge-cards/small-business-platinum-card/",
      "income": null,
      "id": "ca-amex-business-platinum",
      "country": "CA",
      "issuer": "American Express",
      "name": "Business Platinum Card",
      "fee": 799,
      "currency": "CAD",
      "reward": "Membership Rewards points",
      "rate": 1.25,
      "earn": "1.25 Membership Rewards points per CAD 1 eligible card purchases.",
      "url": "https://www.americanexpress.com/en-ca/charge-cards/small-business-platinum-card/",
      "type": "Business charge card with flexible payment option",
      "mileageEligible": true,
      "mileageRoute": "Bank points",
      "status": "Listed on official product website; application subject to approval",
      "verified": true,
      "verifiedAt": "2026-10-14",
      "calculatorDisabled": true,
      "partners": [],
      "programIds": [],
      "mileageSource": "https://www.americanexpress.com/en-ca/charge-cards/small-business-platinum-card/",
      "earningSource": "https://www.americanexpress.com/en-ca/charge-cards/small-business-platinum-card/",
      "verificationScope": "Official product, mileage route, published fee and earning summary checked. Detailed exclusions and fields marked unverified still need review.",
      "route": "Bank points are transferable to participating airline programs; transfer ratios and minimums need separate review.",
      "note": "No preset spending limit. Due-in-full charges and the flexible-payment balance have different payment rules. The product page expressly permits transfers to frequent-flyer programs.",
      "eligibility": "Canadian resident with a Canadian credit file; age of majority in your province or territory. Business details and income information are requested. Sole proprietors and self-employed applicants may qualify subject to approval."
    },
    {
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": "https://icm.aexp-static.com/Internet/internationalcardshop/en_ca/images/cards/American_Express_Aeroplan_Business_Reserve_Card_prem_sbs.png",
      "imageSource": "https://www.americanexpress.com/en-ca/charge-cards/small-business-platinum-card/",
      "income": null,
      "id": "ca-amex-aeroplan-business-reserve",
      "country": "CA",
      "issuer": "American Express",
      "name": "Aeroplan Business Reserve Card",
      "fee": 599,
      "currency": "CAD",
      "reward": "Aeroplan points",
      "rate": 1.25,
      "earn": "1.25 Aeroplan points per CAD 1 other purchases; 3 on eligible direct Air Canada purchases; 2 on eligible hotel and car-rental purchases.",
      "url": "https://www.americanexpress.com/en-ca/credit-cards/aeroplan-business-reserve-card/",
      "type": "Business credit card",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "status": "Listed on official product website; application subject to approval",
      "verified": true,
      "verifiedAt": "2026-10-14",
      "calculatorDisabled": true,
      "partners": [
        "Air Canada Aeroplan"
      ],
      "programIds": [],
      "mileageSource": "https://www.americanexpress.com/en-ca/business/small-business/benefits/aeroplan-business-reserve-card/",
      "earningSource": "https://www.americanexpress.com/en-ca/business/small-business/benefits/aeroplan-business-reserve-card/",
      "verificationScope": "Official product, mileage route, published fee and earning summary checked. Detailed exclusions and fields marked unverified still need review.",
      "route": "Eligible card purchases earn airline-program points credited to your linked loyalty account.",
      "note": "Current fee is CAD 599; Amex announces CAD 799 for annual fees charged from January 12, 2027. Direct participating-Hyatt purchases earn 2.5 Aeroplan points per CAD 1 under the July 15, 2026–July 15, 2029 offer. Confirm current business application requirements.",
      "eligibility": "Local residency, identification, income and credit-assessment requirements apply; confirm the product-specific application criteria with the issuer.",
      "feeSource": "https://www.americanexpress.com/ca/en/credit-cards/aeroplan-cards/compare-cards/?parent=A00000G8CZ"
    },
    {
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": "public/assets/cards/au-westpac-velocity-platinum.jpg",
      "imageSource": "https://www.westpac.com.au/credit-cards/reward/altitude-velocity-platinum",
      "income": 30000,
      "id": "au-westpac-velocity-platinum",
      "country": "AU",
      "issuer": "Westpac",
      "name": "Altitude Velocity Platinum",
      "fee": 175,
      "currency": "AUD",
      "reward": "Velocity Points",
      "rate": 0.33,
      "earn": "0.33 Velocity Points per AUD 1 other eligible spend; 0.75 international and 0.5 everyday categories. After AUD 5,000 total statement-cycle spend, further eligible purchases earn 0.2 per AUD 1.",
      "url": "https://www.westpac.com.au/credit-cards/reward/altitude-velocity-platinum",
      "type": "Personal credit card",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "status": "Listed on official product website; application subject to approval",
      "verified": true,
      "verifiedAt": "2026-10-14",
      "calculatorDisabled": true,
      "partners": [
        "Velocity Frequent Flyer"
      ],
      "programIds": [
        "velocity"
      ],
      "mileageSource": "https://www.westpac.com.au/credit-cards/reward/altitude-velocity-platinum",
      "earningSource": "https://www.westpac.com.au/credit-cards/reward/altitude-velocity-platinum",
      "verificationScope": "Official product, mileage route, published fee and earning summary checked. Detailed exclusions and fields marked unverified still need review.",
      "route": "Eligible card purchases earn airline-program points credited to your linked loyalty account.",
      "note": "The AUD 175 card fee and compulsory AUD 125 annual rewards-program fee are separate. Everyday categories cover supermarkets, department stores, petrol and utilities, excluding BPAY. Card points are separate from flight-activity rewards.",
      "eligibility": "Age 18+; fixed Australian address and regular verifiable Australian taxable income. Australian/New Zealand citizenship, Australian permanent residency, or an eligible temporary residence visa with at least one year remaining. Proof of income, debts/expenses and identification are required.",
      "rewardsAnnualFee": 125,
      "imageOriginal": "https://www.westpac.com.au/credit-cards/reward/media_11967d932bc29648d707ba1f3c8731b0f14671328.jpg"
    },
    {
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": "https://www.westpac.com.au/credit-cards/reward/media_1b29541382f24bb024b6d6e7adbea8aa9ec41a523.jpg?width=640&format=jpg&optimize=medium",
      "imageSource": "https://www.westpac.com.au/credit-cards/reward/altitude-velocity-black",
      "income": 75000,
      "id": "au-westpac-velocity-black",
      "country": "AU",
      "issuer": "Westpac",
      "name": "Altitude Velocity Black",
      "fee": 295,
      "currency": "AUD",
      "reward": "Velocity Points",
      "rate": 0.4,
      "earn": "0.4 Velocity Points per AUD 1 other eligible spend; 1.5 international and 0.8 everyday categories. After AUD 10,000 total statement-cycle spend, further eligible purchases earn 0.25 per AUD 1.",
      "url": "https://www.westpac.com.au/credit-cards/reward/altitude-velocity-black",
      "type": "Personal credit card",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "status": "Listed on official product website; application subject to approval",
      "verified": true,
      "verifiedAt": "2026-10-14",
      "calculatorDisabled": true,
      "partners": [
        "Velocity Frequent Flyer"
      ],
      "programIds": [
        "velocity"
      ],
      "mileageSource": "https://www.westpac.com.au/credit-cards/reward/altitude-velocity-black",
      "earningSource": "https://www.westpac.com.au/credit-cards/reward/altitude-velocity-black",
      "verificationScope": "Official product, mileage route, published fee and earning summary checked. Detailed exclusions and fields marked unverified still need review.",
      "route": "Eligible card purchases earn airline-program points credited to your linked loyalty account.",
      "note": "The AUD 295 card fee and compulsory AUD 155 annual rewards-program fee are separate. Everyday categories cover supermarkets, department stores, petrol and utilities, excluding BPAY. Card points are separate from flight-activity rewards.",
      "eligibility": "Age 18+; fixed Australian address and regular verifiable Australian taxable income. Australian/New Zealand citizenship, Australian permanent residency, or an eligible temporary residence visa with at least one year remaining. Proof of income, debts/expenses and identification are required.",
      "rewardsAnnualFee": 155
    },
    {
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": "Earning is based on whole AUD 1 amounts; transaction-level rules require a separate check.",
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": "https://images.ctfassets.net/2wgn0n5ijj9k/7GHcY35bNqYMDk85f5Qtk9/612ee7c98f273b97e7e171b7f501b2a1/QLCS-13812_QM_Qantas-Premier-Cards_Card-art_extend-expiry-date_Everyday_621x346__2_.png?fm=webp&w=458&h=286",
      "imageSource": "https://www.qantasmoney.com/credit-cards/everyday",
      "income": 35000,
      "id": "au-qantas-money-everyday",
      "country": "AU",
      "issuer": "NAB / Qantas Money",
      "name": "Qantas Money Everyday",
      "fee": 99,
      "currency": "AUD",
      "reward": "Qantas Points",
      "rate": 0.75,
      "earn": "0.75 Qantas Points per whole AUD 1 domestic spend up to AUD 3,000 per statement, then 0.4; 1 per whole AUD 1 international; 1 additional point per whole AUD 1 eligible Qantas spend.",
      "url": "https://www.qantasmoney.com/credit-cards/everyday",
      "type": "Personal credit card",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "status": "Listed on official product website; application subject to approval",
      "verified": true,
      "verifiedAt": "2026-10-14",
      "calculatorDisabled": true,
      "partners": [
        "Qantas Frequent Flyer"
      ],
      "programIds": [
        "qantas"
      ],
      "mileageSource": "https://www.qantasmoney.com/credit-cards/everyday",
      "earningSource": "https://www.qantasmoney.com/credit-cards/everyday",
      "verificationScope": "Official product, mileage route, published fee and earning summary checked. Detailed exclusions and fields marked unverified still need review.",
      "route": "Eligible card purchases earn airline-program points credited to your linked loyalty account.",
      "note": "NAB is the issuer on behalf of Qantas. Rates have domestic spending tiers; total points are uncapped but the lower tier applies after AUD 3,000 domestic statement spend.",
      "eligibility": "Age 18+ and permanent Australian resident with an Australian mobile number and residential address; Qantas Frequent Flyer membership required. Recommended minimum annual income AUD 35,000. New primary cardholders only, subject to credit approval."
    },
    {
      "id": "ch-amex-business-gold",
      "country": "CH",
      "issuer": "Swisscard / American Express",
      "name": "American Express Gold Business Card",
      "fee": 300,
      "currency": "CHF",
      "reward": "Membership Rewards points",
      "rate": 1,
      "earn": "1 Membership Rewards point per CHF 1 eligible purchases with enrolled rewards.",
      "url": "https://www.americanexpress.ch/de/business/firmenkunden-karten/business-cards/american-express-business-gold-card",
      "type": "Business credit card",
      "mileageEligible": true,
      "mileageRoute": "Bank points",
      "status": "Listed on official issuer website; application subject to approval",
      "verified": true,
      "verifiedAt": "2026-10-14",
      "calculatorDisabled": true,
      "firstYearFee": 0,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": "Retained while holding a valid American Express Card participating in Membership Rewards.",
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": "public/assets/cards/ch-amex-business-gold.jpg",
      "imageSource": "https://www.americanexpress.ch/en/business/business-client-cards/business-cards/american-express-business-gold-card",
      "partners": [
        "Miles & More"
      ],
      "programIds": [
        "milesmore"
      ],
      "income": null,
      "route": "Membership Rewards points can convert to Miles & More. A Swiss banking relationship and business master-account application are required.",
      "mileageSource": "https://www.americanexpress.ch/dam/jcr:ec0111bd-868a-4db0-bcbf-8ac136cc68a8/leistungsuebersicht-americanexpress-gold-business-card-de.2024-06-18-13-25-14.pdf",
      "note": "Membership Rewards Classic is included. Card fee CHF 300 after a free first year. Fees, interest, cash withdrawals, money transfers/exchanges, securities-broker and gambling transactions are excluded.",
      "eligibility": "Business master account plus individual card application; Swiss bank relationship and identity verification required. Approval and company documentation apply.",
      "verificationScope": "Published fee, earning summary and mileage route checked. Unknown fields remain unverified.",
      "extra": "https://www.americanexpress.ch/dam/jcr:ec0111bd-868a-4db0-bcbf-8ac136cc68a8/leistungsuebersicht-americanexpress-gold-business-card-de.2024-06-18-13-25-14.pdf",
      "transfers": [
        {
          "program": "Miles & More",
          "points": 2,
          "miles": 1,
          "minimumPoints": null,
          "increment": null,
          "processing": null,
          "source": "https://www.americanexpress.ch/dam/jcr:ec0111bd-868a-4db0-bcbf-8ac136cc68a8/leistungsuebersicht-americanexpress-gold-business-card-de.2024-06-18-13-25-14.pdf"
        }
      ],
      "imageOriginal": "https://www.americanexpress.ch/.imaging/flex/jcr:f0b870b8-06a4-4f13-a702-e74fe820e972/hash/374463993/ratio/16:9/version/1669546882/width/860/americanexpress-business-gold-card-stagestatic.jpg"
    },
    {
      "id": "ch-amex-business",
      "country": "CH",
      "issuer": "Swisscard / American Express",
      "name": "American Express Business Card with Membership Rewards",
      "fee": 140,
      "currency": "CHF",
      "reward": "Membership Rewards points",
      "rate": 1,
      "earn": "1 Membership Rewards point per CHF 1 eligible purchases with enrolled rewards.",
      "url": "https://www.americanexpress.ch/de/business/firmenkunden-karten/business-cards/american-express-business-card",
      "type": "Business credit card",
      "mileageEligible": true,
      "mileageRoute": "Bank points",
      "status": "Listed on official issuer website; application subject to approval",
      "verified": true,
      "verifiedAt": "2026-10-14",
      "calculatorDisabled": true,
      "firstYearFee": 0,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": "Retained while holding a valid American Express Card participating in Membership Rewards.",
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": "public/assets/cards/ch-amex-business.jpg",
      "imageSource": "https://www.americanexpress.ch/en/business/business-client-cards/business-cards/american-express-business-card",
      "partners": [
        "Miles & More"
      ],
      "programIds": [
        "milesmore"
      ],
      "income": null,
      "route": "Membership Rewards points can convert to Miles & More. A Swiss banking relationship and business master-account application are required.",
      "mileageSource": "https://www.americanexpress.ch/dam/jcr:2513eb24-7f34-40f3-9b52-e58ac66bcf13/leistungsuebersicht-americanexpress-busniess-card-de.2024-06-27-10-32-55.pdf",
      "note": "Card fee CHF 140 after a free first year. Membership Rewards costs CHF 50 excluding VAT; the product page says per card, while the linked factsheet says per master account. Confirm billing basis and tax-inclusive rewards cost with Swisscard. Total annual cost remains unverified.",
      "eligibility": "Business master account plus individual card application; Swiss bank relationship and identity verification required. Approval and company documentation apply.",
      "verificationScope": "Card fee, optional paid rewards, base points and Miles & More ratio checked. Total rewards fee left unknown because issuer documents differ on billing basis and quote an amount excluding VAT.",
      "extra": "https://www.americanexpress.ch/dam/jcr:2513eb24-7f34-40f3-9b52-e58ac66bcf13/leistungsuebersicht-americanexpress-busniess-card-de.2024-06-27-10-32-55.pdf",
      "transfers": [
        {
          "program": "Miles & More",
          "points": 2,
          "miles": 1,
          "minimumPoints": null,
          "increment": null,
          "processing": null,
          "source": "https://www.americanexpress.ch/dam/jcr:2513eb24-7f34-40f3-9b52-e58ac66bcf13/leistungsuebersicht-americanexpress-busniess-card-de.2024-06-27-10-32-55.pdf"
        }
      ],
      "rewardsAnnualFee": null,
      "imageOriginal": "https://www.americanexpress.ch/.imaging/flex/jcr:793979fa-0d8d-424d-8443-341a9733a7d4/hash/-1982718056/ratio/16:9/version/1669546858/width/860/americanexpress-business-card-stagestatic.jpg"
    },
    {
      "id": "gb-ba-accelerating-business",
      "country": "GB",
      "issuer": "American Express",
      "name": "British Airways American Express Accelerating Business Card",
      "fee": 250,
      "currency": "GBP",
      "reward": "Avios",
      "rate": 1.25,
      "earn": "1.25 Avios per GBP 1 eligible purchases. Each GBP 20,000 spend adds 10,000 Avios, up to three times per calendar year.",
      "url": "https://www.americanexpress.com/en-gb/credit-cards/british-airways-accelerating-card/",
      "type": "Business credit card",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "status": "Listed on official issuer website; application subject to approval",
      "verified": true,
      "verifiedAt": "2026-10-14",
      "calculatorDisabled": true,
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": "https://icm.aexp-static.com/Internet/internationalcardshop/en_gb/images/cards/UK_BA_Accelerating_Card.png",
      "imageSource": "https://www.americanexpress.com/en-gb/credit-cards/british-airways-accelerating-card/",
      "partners": [
        "British Airways Club"
      ],
      "programIds": [
        "ba"
      ],
      "income": 20000,
      "route": "Avios are credited to the British Airways Club; no bank-point conversion is needed.",
      "mileageSource": "https://www.americanexpress.com/en-gb/credit-cards/british-airways-accelerating-card/",
      "note": "Current product page shows 1.25 Avios/GBP. Bonus thresholds use a calendar year. Do not use the older 1.5 Avios rate; welcome offers excluded.",
      "eligibility": "Sole traders and small businesses with a current UK bank/building-society account. Applicant aged 18+, permanent UK home address and at least GBP 20,000 yearly income, subject to approval.",
      "verificationScope": "Published fee, earning summary and mileage route checked. Unknown fields remain unverified."
    },
    {
      "id": "gb-amex-marriott-bonvoy",
      "country": "GB",
      "issuer": "American Express",
      "name": "Marriott Bonvoy American Express Card",
      "fee": 95,
      "currency": "GBP",
      "reward": "Marriott Bonvoy points",
      "rate": 2,
      "earn": "2 Marriott Bonvoy points per GBP 1 eligible purchases; 6 per GBP 1 at eligible Marriott Bonvoy properties.",
      "url": "https://www.americanexpress.com/en-gb/credit-cards/marriott-bonvoy-credit-card/",
      "type": "Personal credit card",
      "mileageEligible": true,
      "mileageRoute": "Via hotel points",
      "status": "Listed on official issuer website; application subject to approval",
      "verified": true,
      "verifiedAt": "2026-10-14",
      "calculatorDisabled": true,
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": "public/assets/cards/gb-amex-marriott-bonvoy.png",
      "imageSource": "https://www.americanexpress.com/en-gb/credit-cards/marriott-bonvoy-credit-card/",
      "partners": [
        "British Airways Club",
        "Flying Blue",
        "KrisFlyer",
        "United MileagePlus"
      ],
      "programIds": [
        "ba",
        "flyingblue",
        "krisflyer"
      ],
      "income": 20000,
      "route": "Hotel points first: Marriott Bonvoy points can be transferred to airline programmes. The listed ratio is 3 hotel points to 1 mile for the selected partners; programme bonuses and exceptions are separate.",
      "mileageSource": "https://www.marriott.com/loyalty/redeem/travel/points-to-miles.mi",
      "note": "This card earns hotel points. The ratio table is a selected airline subset; transfer minimums, timing and transfer-bonus exceptions are not modeled.",
      "eligibility": "Age 18+, permanent UK home address, current UK bank/building-society account, Marriott Bonvoy membership, no bad-debt history and at least GBP 20,000 yearly income; approval required.",
      "verificationScope": "Published fee, earning summary and mileage route checked. Unknown fields remain unverified.",
      "transfers": [
        {
          "program": "British Airways Club",
          "points": 3,
          "miles": 1,
          "minimumPoints": null,
          "increment": null,
          "processing": null,
          "source": "https://www.marriott.com/loyalty/redeem/travel/points-to-miles.mi"
        },
        {
          "program": "Flying Blue",
          "points": 3,
          "miles": 1,
          "minimumPoints": null,
          "increment": null,
          "processing": null,
          "source": "https://www.marriott.com/loyalty/redeem/travel/points-to-miles.mi"
        },
        {
          "program": "KrisFlyer",
          "points": 3,
          "miles": 1,
          "minimumPoints": null,
          "increment": null,
          "processing": null,
          "source": "https://www.marriott.com/loyalty/redeem/travel/points-to-miles.mi"
        },
        {
          "program": "United MileagePlus",
          "points": 3,
          "miles": 1,
          "minimumPoints": null,
          "increment": null,
          "processing": null,
          "source": "https://www.marriott.com/loyalty/redeem/travel/points-to-miles.mi"
        }
      ],
      "imageOriginal": "https://icm.aexp-static.com/Internet/internationalcardshop/en_gb/images/cards/UK_AXP_The_Marriott_Bonvoy_Credit_Card.png"
    },
    {
      "id": "gb-capital-on-tap-free",
      "country": "GB",
      "issuer": "Capital on Tap",
      "name": "Business Credit Card — Free Rewards",
      "fee": 0,
      "currency": "GBP",
      "reward": "Capital on Tap points",
      "rate": 1,
      "earn": "1 reward point per GBP 1 eligible cleared card purchases.",
      "url": "https://www.capitalontap.com/en/business-credit-cards/avios",
      "type": "Business credit card",
      "mileageEligible": true,
      "mileageRoute": "Bank points",
      "status": "Listed on official issuer website; application subject to approval",
      "verified": true,
      "verifiedAt": "2026-10-14",
      "calculatorDisabled": true,
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": "Expire after more than 2 years without earning or redeeming points.",
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": null,
      "imageSource": null,
      "partners": [
        "British Airways Club",
        "Qatar Airways Privilege Club",
        "Virgin Atlantic / Virgin Red"
      ],
      "programIds": [
        "ba",
        "qatar",
        "virgin"
      ],
      "income": null,
      "route": "Free Rewards points convert to British Airways or Qatar Airways Avios at 10:8. The paid Pro plan has different ratios and costs and is not modeled by this record. Virgin Atlantic / Virgin Red: 5 Capital on Tap points convert to 4 Virgin Points.",
      "mileageSource": "https://help.capitalontap.com/help/kb/how-rewards-work",
      "note": "Free Rewards tier only. Cash withdrawals do not earn points; refunds reverse rewards. Paid Pro is a separate GBP 299 yearly plan before any applicable tax. Minimums and timing not verified.",
      "eligibility": "UK business applicants only; confirm eligible company form, turnover, director/owner requirements and credit assessment with Capital on Tap.",
      "verificationScope": "Published fee, earning summary and mileage route checked. Unknown fields remain unverified.",
      "transfers": [
        {
          "program": "British Airways Club",
          "points": 10,
          "miles": 8,
          "minimumPoints": null,
          "increment": null,
          "processing": null,
          "source": "https://help.capitalontap.com/help/kb/how-rewards-work"
        },
        {
          "program": "Qatar Airways Privilege Club",
          "points": 10,
          "miles": 8,
          "minimumPoints": null,
          "increment": null,
          "processing": null,
          "source": "https://help.capitalontap.com/help/kb/how-rewards-work"
        },
        {
          "program": "Virgin Atlantic / Virgin Red",
          "points": 5,
          "miles": 4,
          "minimumPoints": null,
          "increment": null,
          "processing": null,
          "source": "https://help.capitalontap.com/help/kb/how-rewards-work"
        }
      ]
    },
    {
      "id": "it-amex-green",
      "country": "IT",
      "issuer": "American Express",
      "name": "Carta di Credito Verde American Express",
      "fee": 84,
      "currency": "EUR",
      "reward": "Membership Rewards points",
      "rate": 1,
      "earn": "1 Membership Rewards point per EUR 1 eligible spend.",
      "url": "https://www.americanexpress.com/it-it/carte-di-pagamento/carta-verde/",
      "type": "Personal credit card",
      "mileageEligible": true,
      "mileageRoute": "Bank points",
      "status": "Official application page available; issuer approval required",
      "verified": true,
      "verifiedAt": "2026-10-14",
      "verificationScope": "Product, fee, earning route and listed conditions checked; unrecorded terms remain unverified.",
      "calculatorDisabled": true,
      "firstYearFee": 0,
      "feeWaiver": "Advertised first-year fee waiver for eligible new applicants; check the application offer and existing-cardholder exclusions.",
      "rounding": "Nearest whole point: EUR 1.50 earns 2 points; EUR 1.20 earns 1.",
      "pointsExpiry": "Keep the card and Club membership active and payments current; closure can forfeit points. Consult the rules before cancellation.",
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": "Partner estimates are shown below; general rules allow up to 30 business days.",
      "image": "https://icm.aexp-static.com/Internet/internationalcardshop/it_it/images/cards/chg_green_dod_italy_480x304.png",
      "imageSource": "https://www.americanexpress.com/it-it/carte-di-pagamento/carta-verde/",
      "partners": [
        "Cathay Asia Miles",
        "Delta SkyMiles",
        "Flying Blue",
        "Iberia Club",
        "SAS EuroBonus",
        "Singapore Airlines KrisFlyer",
        "British Airways Club",
        "Emirates Skywards"
      ],
      "programIds": [
        "krisflyer",
        "cathay",
        "flyingblue",
        "ba"
      ],
      "income": 11000,
      "route": "Transfer Italian Membership Rewards points to airline programs. Ratios differ by partner; Emirates requires login. No direct Miles & More transfer.",
      "mileageSource": "https://www.americanexpress.com/it-it/rewards/membership-rewards/travel/airlines",
      "earningSource": "https://www.americanexpress.com/it-it/carte-di-pagamento/carta-verde/",
      "note": "Monthly fee annualized. Fuel stations, prepaid top-ups, PagoPA, Poste Italiane and specified Mooney/tele-toll payments are excluded from points. Fees, interest, cash and refunds do not earn. Stamp duty may apply separately.",
      "eligibility": "Adult Italian resident or Italian correspondence address; SEPA bank/postal account (not prepaid IBAN), valid ID and codice fiscale; gross annual income at least EUR 11,000. Subject to issuer checks.",
      "special": [],
      "rewardsAnnualFee": 0,
      "termsSource": "https://www.americanexpress.com/content/dam/amex/it/staticassets/pdf/membership-rewards/club/Regolamento_MR_definitivo.pdf",
      "transfers": [
        {
          "program": "Cathay Asia Miles",
          "points": 5,
          "miles": 4,
          "minimumPoints": 1000,
          "increment": 500,
          "processing": "3–20 business days"
        },
        {
          "program": "Delta SkyMiles",
          "points": 3,
          "miles": 2,
          "minimumPoints": 3,
          "increment": 3,
          "processing": "3–20 business days"
        },
        {
          "program": "Flying Blue",
          "points": 3,
          "miles": 2,
          "minimumPoints": 750,
          "increment": 3,
          "processing": "3–20 business days"
        },
        {
          "program": "Iberia Club",
          "points": 5,
          "miles": 4,
          "minimumPoints": 500,
          "increment": 500,
          "processing": "Up to 30 minutes"
        },
        {
          "program": "SAS EuroBonus",
          "points": 5,
          "miles": 4,
          "minimumPoints": 500,
          "increment": 500,
          "processing": "3–20 business days"
        },
        {
          "program": "Singapore Airlines KrisFlyer",
          "points": 3,
          "miles": 2,
          "minimumPoints": 1500,
          "increment": 300,
          "processing": "3–20 business days"
        },
        {
          "program": "British Airways Club",
          "points": 5,
          "miles": 4,
          "minimumPoints": 800,
          "increment": 400,
          "processing": "Up to 30 minutes"
        },
        {
          "program": "Emirates Skywards",
          "points": 5,
          "miles": 2,
          "minimumPoints": null,
          "increment": null,
          "processing": null
        }
      ]
    },
    {
      "id": "it-amex-gold",
      "country": "IT",
      "issuer": "American Express",
      "name": "Carta di Credito Oro American Express",
      "fee": 240,
      "currency": "EUR",
      "reward": "Membership Rewards points",
      "rate": 1,
      "earn": "1 Membership Rewards point per EUR 1 eligible spend.",
      "url": "https://www.americanexpress.com/it-it/carte-di-pagamento/carta-oro/",
      "type": "Personal credit card",
      "mileageEligible": true,
      "mileageRoute": "Bank points",
      "status": "Official application page available; issuer approval required",
      "verified": true,
      "verifiedAt": "2026-10-14",
      "verificationScope": "Product, fee, earning route and listed conditions checked; unrecorded terms remain unverified.",
      "calculatorDisabled": true,
      "firstYearFee": 0,
      "feeWaiver": "Advertised first-year fee waiver for eligible new applicants; check the application offer and existing-cardholder exclusions.",
      "rounding": "Nearest whole point: EUR 1.50 earns 2 points; EUR 1.20 earns 1.",
      "pointsExpiry": "Keep the card and Club membership active and payments current; closure can forfeit points. Consult the rules before cancellation.",
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": "Partner estimates are shown below; general rules allow up to 30 business days.",
      "image": "https://icm.aexp-static.com/Internet/internationalcardshop/it_it/images/cards/Carta_Oro_American_Express.png",
      "imageSource": "https://www.americanexpress.com/it-it/carte-di-pagamento/carta-oro/",
      "partners": [
        "Cathay Asia Miles",
        "Delta SkyMiles",
        "Flying Blue",
        "Iberia Club",
        "SAS EuroBonus",
        "Singapore Airlines KrisFlyer",
        "British Airways Club",
        "Emirates Skywards"
      ],
      "programIds": [
        "krisflyer",
        "cathay",
        "flyingblue",
        "ba"
      ],
      "income": 25000,
      "route": "Transfer Italian Membership Rewards points to airline programs. Ratios differ by partner; Emirates requires login. No direct Miles & More transfer.",
      "mileageSource": "https://www.americanexpress.com/it-it/rewards/membership-rewards/travel/airlines",
      "earningSource": "https://www.americanexpress.com/it-it/carte-di-pagamento/carta-oro/",
      "note": "Monthly fee annualized. Fuel stations, prepaid top-ups, PagoPA, Poste Italiane and specified Mooney/tele-toll payments are excluded from points. Fees, interest, cash and refunds do not earn. Stamp duty may apply separately.",
      "eligibility": "Adult Italian resident or Italian correspondence address; SEPA bank/postal account (not prepaid IBAN), valid ID and codice fiscale; gross annual income at least EUR 25,000. Subject to issuer checks.",
      "special": [],
      "rewardsAnnualFee": 0,
      "termsSource": "https://www.americanexpress.com/content/dam/amex/it/staticassets/pdf/membership-rewards/club/Regolamento_MR_definitivo.pdf",
      "transfers": [
        {
          "program": "Cathay Asia Miles",
          "points": 5,
          "miles": 4,
          "minimumPoints": 1000,
          "increment": 500,
          "processing": "3–20 business days"
        },
        {
          "program": "Delta SkyMiles",
          "points": 3,
          "miles": 2,
          "minimumPoints": 3,
          "increment": 3,
          "processing": "3–20 business days"
        },
        {
          "program": "Flying Blue",
          "points": 3,
          "miles": 2,
          "minimumPoints": 750,
          "increment": 3,
          "processing": "3–20 business days"
        },
        {
          "program": "Iberia Club",
          "points": 5,
          "miles": 4,
          "minimumPoints": 500,
          "increment": 500,
          "processing": "Up to 30 minutes"
        },
        {
          "program": "SAS EuroBonus",
          "points": 5,
          "miles": 4,
          "minimumPoints": 500,
          "increment": 500,
          "processing": "3–20 business days"
        },
        {
          "program": "Singapore Airlines KrisFlyer",
          "points": 3,
          "miles": 2,
          "minimumPoints": 1500,
          "increment": 300,
          "processing": "3–20 business days"
        },
        {
          "program": "British Airways Club",
          "points": 5,
          "miles": 4,
          "minimumPoints": 800,
          "increment": 400,
          "processing": "Up to 30 minutes"
        },
        {
          "program": "Emirates Skywards",
          "points": 5,
          "miles": 2,
          "minimumPoints": null,
          "increment": null,
          "processing": null
        }
      ]
    },
    {
      "id": "it-amex-platinum",
      "country": "IT",
      "issuer": "American Express",
      "name": "Carta Platino American Express",
      "fee": 840,
      "currency": "EUR",
      "reward": "Membership Rewards points",
      "rate": 1,
      "earn": "1 Membership Rewards point per EUR 1 eligible spend.",
      "url": "https://www.americanexpress.com/it-it/carte-di-pagamento/carta-platino/",
      "type": "Personal charge card",
      "mileageEligible": true,
      "mileageRoute": "Bank points",
      "status": "Official application page available; issuer approval required",
      "verified": true,
      "verifiedAt": "2026-10-14",
      "verificationScope": "Product, fee, earning route and listed conditions checked; unrecorded terms remain unverified.",
      "calculatorDisabled": true,
      "firstYearFee": 840,
      "feeWaiver": null,
      "rounding": "Nearest whole point: EUR 1.50 earns 2 points; EUR 1.20 earns 1.",
      "pointsExpiry": "Keep the card and Club membership active and payments current; closure can forfeit points. Consult the rules before cancellation.",
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": "Partner estimates are shown below; general rules allow up to 30 business days.",
      "image": "https://icm.aexp-static.com/Internet/internationalcardshop/it_it/images/cards/Carta_Platino_American_Express.png",
      "imageSource": "https://www.americanexpress.com/it-it/carte-di-pagamento/carta-platino/",
      "partners": [
        "Cathay Asia Miles",
        "Delta SkyMiles",
        "Flying Blue",
        "Iberia Club",
        "SAS EuroBonus",
        "Singapore Airlines KrisFlyer",
        "British Airways Club",
        "Emirates Skywards"
      ],
      "programIds": [
        "krisflyer",
        "cathay",
        "flyingblue",
        "ba"
      ],
      "income": 45000,
      "route": "Transfer Italian Membership Rewards points to airline programs. Ratios differ by partner; Emirates requires login. No direct Miles & More transfer.",
      "mileageSource": "https://www.americanexpress.com/it-it/rewards/membership-rewards/travel/airlines",
      "earningSource": "https://www.americanexpress.com/it-it/carte-di-pagamento/carta-platino/",
      "note": "Monthly fee annualized. Fuel stations, prepaid top-ups, PagoPA, Poste Italiane and specified Mooney/tele-toll payments are excluded from points. Fees, interest, cash and refunds do not earn. Stamp duty may apply separately.",
      "eligibility": "Adult Italian resident or Italian correspondence address; SEPA bank/postal account (not prepaid IBAN), valid ID and codice fiscale; gross annual income at least EUR 45,000. Subject to issuer checks.",
      "special": [],
      "rewardsAnnualFee": 0,
      "termsSource": "https://www.americanexpress.com/content/dam/amex/it/staticassets/pdf/membership-rewards/club/Regolamento_MR_definitivo.pdf",
      "transfers": [
        {
          "program": "Cathay Asia Miles",
          "points": 5,
          "miles": 4,
          "minimumPoints": 1000,
          "increment": 500,
          "processing": "3–20 business days"
        },
        {
          "program": "Delta SkyMiles",
          "points": 3,
          "miles": 2,
          "minimumPoints": 3,
          "increment": 3,
          "processing": "3–20 business days"
        },
        {
          "program": "Flying Blue",
          "points": 3,
          "miles": 2,
          "minimumPoints": 750,
          "increment": 3,
          "processing": "3–20 business days"
        },
        {
          "program": "Iberia Club",
          "points": 5,
          "miles": 4,
          "minimumPoints": 500,
          "increment": 500,
          "processing": "Up to 30 minutes"
        },
        {
          "program": "SAS EuroBonus",
          "points": 5,
          "miles": 4,
          "minimumPoints": 500,
          "increment": 500,
          "processing": "3–20 business days"
        },
        {
          "program": "Singapore Airlines KrisFlyer",
          "points": 3,
          "miles": 2,
          "minimumPoints": 1500,
          "increment": 300,
          "processing": "3–20 business days"
        },
        {
          "program": "British Airways Club",
          "points": 5,
          "miles": 4,
          "minimumPoints": 800,
          "increment": 400,
          "processing": "Up to 30 minutes"
        },
        {
          "program": "Emirates Skywards",
          "points": 5,
          "miles": 2,
          "minimumPoints": null,
          "increment": null,
          "processing": null
        }
      ]
    },
    {
      "id": "it-amex-italo",
      "country": "IT",
      "issuer": "American Express",
      "name": "Carta di Credito Italo American Express",
      "fee": 66,
      "currency": "EUR",
      "reward": "Membership Rewards points",
      "rate": 1,
      "earn": "1 Membership Rewards point per EUR 1 eligible spend.",
      "url": "https://www.americanexpress.com/it-it/carte-di-pagamento/carta-italo/",
      "type": "Personal credit card",
      "mileageEligible": true,
      "mileageRoute": "Bank points",
      "status": "Official application page available; issuer approval required",
      "verified": true,
      "verifiedAt": "2026-10-14",
      "verificationScope": "Product, fee, earning route and listed conditions checked; unrecorded terms remain unverified.",
      "calculatorDisabled": true,
      "firstYearFee": 0,
      "feeWaiver": "Advertised first-year fee waiver for eligible new applicants; check the application offer and existing-cardholder exclusions.",
      "rounding": "Nearest whole point: EUR 1.50 earns 2 points; EUR 1.20 earns 1.",
      "pointsExpiry": "Keep the card and Club membership active and payments current; closure can forfeit points. Consult the rules before cancellation.",
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": "Partner estimates are shown below; general rules allow up to 30 business days.",
      "image": "https://icm.aexp-static.com/Internet/internationalcardshop/it_it/images/cards/Carta_Italo_American_Express.png",
      "imageSource": "https://www.americanexpress.com/it-it/carte-di-pagamento/carta-italo/",
      "partners": [
        "Cathay Asia Miles",
        "Delta SkyMiles",
        "Flying Blue",
        "Iberia Club",
        "SAS EuroBonus",
        "Singapore Airlines KrisFlyer",
        "British Airways Club",
        "Emirates Skywards"
      ],
      "programIds": [
        "krisflyer",
        "cathay",
        "flyingblue",
        "ba"
      ],
      "income": 11000,
      "route": "Transfer Italian Membership Rewards points to airline programs. Ratios differ by partner; Emirates requires login. No direct Miles & More transfer.",
      "mileageSource": "https://www.americanexpress.com/it-it/rewards/membership-rewards/travel/airlines",
      "earningSource": "https://www.americanexpress.com/it-it/carte-di-pagamento/carta-italo/",
      "note": "Monthly fee annualized. Fuel stations, prepaid top-ups, PagoPA, Poste Italiane and specified Mooney/tele-toll payments are excluded from points. Fees, interest, cash and refunds do not earn. Stamp duty may apply separately. Annual bonus: 2,200 MR points after EUR 2,000 eligible spending; bonus excluded from base rate.",
      "eligibility": "Adult Italian resident or Italian correspondence address; SEPA bank/postal account (not prepaid IBAN), valid ID and codice fiscale; gross annual income at least EUR 11,000. Subject to issuer checks. Italo Più membership required.",
      "special": [],
      "rewardsAnnualFee": 0,
      "termsSource": "https://www.americanexpress.com/content/dam/amex/it/staticassets/pdf/membership-rewards/club/Regolamento_MR_definitivo.pdf",
      "transfers": [
        {
          "program": "Cathay Asia Miles",
          "points": 5,
          "miles": 4,
          "minimumPoints": 1000,
          "increment": 500,
          "processing": "3–20 business days"
        },
        {
          "program": "Delta SkyMiles",
          "points": 3,
          "miles": 2,
          "minimumPoints": 3,
          "increment": 3,
          "processing": "3–20 business days"
        },
        {
          "program": "Flying Blue",
          "points": 3,
          "miles": 2,
          "minimumPoints": 750,
          "increment": 3,
          "processing": "3–20 business days"
        },
        {
          "program": "Iberia Club",
          "points": 5,
          "miles": 4,
          "minimumPoints": 500,
          "increment": 500,
          "processing": "Up to 30 minutes"
        },
        {
          "program": "SAS EuroBonus",
          "points": 5,
          "miles": 4,
          "minimumPoints": 500,
          "increment": 500,
          "processing": "3–20 business days"
        },
        {
          "program": "Singapore Airlines KrisFlyer",
          "points": 3,
          "miles": 2,
          "minimumPoints": 1500,
          "increment": 300,
          "processing": "3–20 business days"
        },
        {
          "program": "British Airways Club",
          "points": 5,
          "miles": 4,
          "minimumPoints": 800,
          "increment": 400,
          "processing": "Up to 30 minutes"
        },
        {
          "program": "Emirates Skywards",
          "points": 5,
          "miles": 2,
          "minimumPoints": null,
          "increment": null,
          "processing": null
        }
      ]
    },
    {
      "id": "it-amex-explora",
      "country": "IT",
      "issuer": "American Express",
      "name": "Carta Explora American Express",
      "fee": 36,
      "currency": "EUR",
      "reward": "Membership Rewards points",
      "rate": 1,
      "earn": "1 Membership Rewards point per EUR 1 eligible spend.",
      "url": "https://www.americanexpress.com/it-it/carte-di-credito/carta-explora/",
      "type": "Personal credit card",
      "mileageEligible": true,
      "mileageRoute": "Bank points",
      "status": "Official application page available; issuer approval required",
      "verified": true,
      "verifiedAt": "2026-10-14",
      "verificationScope": "Product, fee, earning route and listed conditions checked; unrecorded terms remain unverified.",
      "calculatorDisabled": true,
      "firstYearFee": 0,
      "feeWaiver": "Advertised first-year fee waiver for eligible new applicants; check the application offer and existing-cardholder exclusions.",
      "rounding": "Nearest whole point: EUR 1.50 earns 2 points; EUR 1.20 earns 1.",
      "pointsExpiry": "Keep the card and Club membership active and payments current; closure can forfeit points. Consult the rules before cancellation.",
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": "Partner estimates are shown below; general rules allow up to 30 business days.",
      "image": "https://icm.aexp-static.com/Internet/internationalcardshop/it_it/images/cards/Carta_Explora_American_Express.png",
      "imageSource": "https://www.americanexpress.com/it-it/carte-di-credito/carta-explora/",
      "partners": [
        "Cathay Asia Miles",
        "Delta SkyMiles",
        "Flying Blue",
        "Iberia Club",
        "SAS EuroBonus",
        "Singapore Airlines KrisFlyer",
        "British Airways Club",
        "Emirates Skywards"
      ],
      "programIds": [
        "krisflyer",
        "cathay",
        "flyingblue",
        "ba"
      ],
      "income": 11000,
      "route": "Transfer Italian Membership Rewards points to airline programs. Ratios differ by partner; Emirates requires login. No direct Miles & More transfer.",
      "mileageSource": "https://www.americanexpress.com/it-it/rewards/membership-rewards/travel/airlines",
      "earningSource": "https://www.americanexpress.com/it-it/carte-di-credito/carta-explora/",
      "note": "Monthly fee annualized. Fuel stations, prepaid top-ups, PagoPA, Poste Italiane and specified Mooney/tele-toll payments are excluded from points. Fees, interest, cash and refunds do not earn. Stamp duty may apply separately. Favourite 5 earns 3 total points/EUR on the first EUR 10,000 combined eligible purchases from 1 April 2026 to 31 March 2027, then 1. Some issuer channels list EUR 35 annual billing; this record uses the current EUR 3/month online offer.",
      "eligibility": "Adult Italian resident or Italian correspondence address; SEPA bank/postal account (not prepaid IBAN), valid ID and codice fiscale; gross annual income at least EUR 11,000. Subject to issuer checks.",
      "special": [
        [
          "Favourite 5 eligible direct purchases: Amazon, Deliveroo, Netflix, Ticketone and Trenitalia",
          3
        ]
      ],
      "rewardsAnnualFee": 0,
      "termsSource": "https://www.americanexpress.com/content/dam/amex/it/staticassets/pdf/membership-rewards/club/Regolamento_MR_definitivo.pdf",
      "transfers": [
        {
          "program": "Cathay Asia Miles",
          "points": 5,
          "miles": 4,
          "minimumPoints": 1000,
          "increment": 500,
          "processing": "3–20 business days"
        },
        {
          "program": "Delta SkyMiles",
          "points": 3,
          "miles": 2,
          "minimumPoints": 3,
          "increment": 3,
          "processing": "3–20 business days"
        },
        {
          "program": "Flying Blue",
          "points": 3,
          "miles": 2,
          "minimumPoints": 750,
          "increment": 3,
          "processing": "3–20 business days"
        },
        {
          "program": "Iberia Club",
          "points": 5,
          "miles": 4,
          "minimumPoints": 500,
          "increment": 500,
          "processing": "Up to 30 minutes"
        },
        {
          "program": "SAS EuroBonus",
          "points": 5,
          "miles": 4,
          "minimumPoints": 500,
          "increment": 500,
          "processing": "3–20 business days"
        },
        {
          "program": "Singapore Airlines KrisFlyer",
          "points": 3,
          "miles": 2,
          "minimumPoints": 1500,
          "increment": 300,
          "processing": "3–20 business days"
        },
        {
          "program": "British Airways Club",
          "points": 5,
          "miles": 4,
          "minimumPoints": 800,
          "increment": 400,
          "processing": "Up to 30 minutes"
        },
        {
          "program": "Emirates Skywards",
          "points": 5,
          "miles": 2,
          "minimumPoints": null,
          "increment": null,
          "processing": null
        }
      ],
      "enrolmentSource": "https://www.americanexpress.com/content/dam/amex/it/pdf/AmEx-Scheda-Lending-Carta_Explora.pdf"
    },
    {
      "id": "it-amex-business",
      "country": "IT",
      "issuer": "American Express",
      "name": "Carta Business American Express",
      "fee": 84,
      "currency": "EUR",
      "reward": "Membership Rewards points",
      "rate": 1,
      "earn": "1 Membership Rewards point per EUR 1 eligible spend.",
      "url": "https://www.americanexpress.com/it-it/aziende/carte-di-pagamento/business-verde/",
      "type": "Business charge card",
      "mileageEligible": true,
      "mileageRoute": "Bank points",
      "status": "Official application page available; issuer approval required",
      "verified": true,
      "verifiedAt": "2026-10-14",
      "verificationScope": "Product, fee, earning route and listed conditions checked; unrecorded terms remain unverified.",
      "calculatorDisabled": true,
      "firstYearFee": 0,
      "feeWaiver": "Advertised first-year fee waiver for eligible new applicants; check the application offer and existing-cardholder exclusions.",
      "rounding": "Nearest whole point: EUR 1.50 earns 2 points; EUR 1.20 earns 1.",
      "pointsExpiry": "Keep the card and Club membership active and payments current; closure can forfeit points. Consult the rules before cancellation.",
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": "Partner estimates are shown below; general rules allow up to 30 business days.",
      "image": "https://icm.aexp-static.com/Internet/internationalcardshop/gcp/business/it_it/images/cards/Green.png",
      "imageSource": "https://www.americanexpress.com/it-it/aziende/carte-di-pagamento/business-verde/",
      "partners": [
        "Cathay Asia Miles",
        "Delta SkyMiles",
        "Flying Blue",
        "Iberia Club",
        "SAS EuroBonus",
        "Singapore Airlines KrisFlyer",
        "British Airways Club",
        "Emirates Skywards"
      ],
      "programIds": [
        "krisflyer",
        "cathay",
        "flyingblue",
        "ba"
      ],
      "income": null,
      "route": "Transfer Italian Membership Rewards points to airline programs. Ratios differ by partner; Emirates requires login. No direct Miles & More transfer.",
      "mileageSource": "https://www.americanexpress.com/it-it/rewards/membership-rewards/travel/airlines",
      "earningSource": "https://www.americanexpress.com/it-it/aziende/carte-di-pagamento/business-verde/",
      "note": "Monthly fee annualized. Fuel stations, prepaid top-ups, PagoPA, Poste Italiane and specified Mooney/tele-toll payments are excluded from points. Fees, interest, cash and refunds do not earn. Stamp duty may apply separately.",
      "eligibility": "Adult Italian resident; SME or VAT-registered business established for at least 12 months; recommended annual turnover EUR 60,000; no insolvency proceedings; SEPA bank/postal account, not a prepaid-card IBAN. Subject to issuer checks.",
      "special": [],
      "rewardsAnnualFee": 0,
      "termsSource": "https://www.americanexpress.com/content/dam/amex/it/staticassets/pdf/membership-rewards/club/Regolamento_MR_definitivo.pdf",
      "transfers": [
        {
          "program": "Cathay Asia Miles",
          "points": 5,
          "miles": 4,
          "minimumPoints": 1000,
          "increment": 500,
          "processing": "3–20 business days"
        },
        {
          "program": "Delta SkyMiles",
          "points": 3,
          "miles": 2,
          "minimumPoints": 3,
          "increment": 3,
          "processing": "3–20 business days"
        },
        {
          "program": "Flying Blue",
          "points": 3,
          "miles": 2,
          "minimumPoints": 750,
          "increment": 3,
          "processing": "3–20 business days"
        },
        {
          "program": "Iberia Club",
          "points": 5,
          "miles": 4,
          "minimumPoints": 500,
          "increment": 500,
          "processing": "Up to 30 minutes"
        },
        {
          "program": "SAS EuroBonus",
          "points": 5,
          "miles": 4,
          "minimumPoints": 500,
          "increment": 500,
          "processing": "3–20 business days"
        },
        {
          "program": "Singapore Airlines KrisFlyer",
          "points": 3,
          "miles": 2,
          "minimumPoints": 1500,
          "increment": 300,
          "processing": "3–20 business days"
        },
        {
          "program": "British Airways Club",
          "points": 5,
          "miles": 4,
          "minimumPoints": 800,
          "increment": 400,
          "processing": "Up to 30 minutes"
        },
        {
          "program": "Emirates Skywards",
          "points": 5,
          "miles": 2,
          "minimumPoints": null,
          "increment": null,
          "processing": null
        }
      ]
    },
    {
      "id": "it-amex-bizgold",
      "country": "IT",
      "issuer": "American Express",
      "name": "Carta Oro Business American Express",
      "fee": 204,
      "currency": "EUR",
      "reward": "Membership Rewards points",
      "rate": 1,
      "earn": "1 Membership Rewards point per EUR 1 eligible spend.",
      "url": "https://www.americanexpress.com/it-it/aziende/carte-di-pagamento/business-oro/",
      "type": "Business charge card",
      "mileageEligible": true,
      "mileageRoute": "Bank points",
      "status": "Official application page available; issuer approval required",
      "verified": true,
      "verifiedAt": "2026-10-14",
      "verificationScope": "Product, fee, earning route and listed conditions checked; unrecorded terms remain unverified.",
      "calculatorDisabled": true,
      "firstYearFee": 0,
      "feeWaiver": "Advertised first-year fee waiver for eligible new applicants; check the application offer and existing-cardholder exclusions.",
      "rounding": "Nearest whole point: EUR 1.50 earns 2 points; EUR 1.20 earns 1.",
      "pointsExpiry": "Keep the card and Club membership active and payments current; closure can forfeit points. Consult the rules before cancellation.",
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": "Partner estimates are shown below; general rules allow up to 30 business days.",
      "image": "https://icm.aexp-static.com/Internet/internationalcardshop/gcp/business/it_it/images/cards/Gold.jpg",
      "imageSource": "https://www.americanexpress.com/it-it/aziende/carte-di-pagamento/business-oro/",
      "partners": [
        "Cathay Asia Miles",
        "Delta SkyMiles",
        "Flying Blue",
        "Iberia Club",
        "SAS EuroBonus",
        "Singapore Airlines KrisFlyer",
        "British Airways Club",
        "Emirates Skywards"
      ],
      "programIds": [
        "krisflyer",
        "cathay",
        "flyingblue",
        "ba"
      ],
      "income": null,
      "route": "Transfer Italian Membership Rewards points to airline programs. Ratios differ by partner; Emirates requires login. No direct Miles & More transfer.",
      "mileageSource": "https://www.americanexpress.com/it-it/rewards/membership-rewards/travel/airlines",
      "earningSource": "https://www.americanexpress.com/it-it/aziende/carte-di-pagamento/business-oro/",
      "note": "Monthly fee annualized. Fuel stations, prepaid top-ups, PagoPA, Poste Italiane and specified Mooney/tele-toll payments are excluded from points. Fees, interest, cash and refunds do not earn. Stamp duty may apply separately.",
      "eligibility": "Adult Italian resident; SME or VAT-registered business established for at least 12 months; recommended annual turnover EUR 60,000; no insolvency proceedings; SEPA bank/postal account, not a prepaid-card IBAN. Subject to issuer checks.",
      "special": [],
      "rewardsAnnualFee": 0,
      "termsSource": "https://www.americanexpress.com/content/dam/amex/it/staticassets/pdf/membership-rewards/club/Regolamento_MR_definitivo.pdf",
      "transfers": [
        {
          "program": "Cathay Asia Miles",
          "points": 5,
          "miles": 4,
          "minimumPoints": 1000,
          "increment": 500,
          "processing": "3–20 business days"
        },
        {
          "program": "Delta SkyMiles",
          "points": 3,
          "miles": 2,
          "minimumPoints": 3,
          "increment": 3,
          "processing": "3–20 business days"
        },
        {
          "program": "Flying Blue",
          "points": 3,
          "miles": 2,
          "minimumPoints": 750,
          "increment": 3,
          "processing": "3–20 business days"
        },
        {
          "program": "Iberia Club",
          "points": 5,
          "miles": 4,
          "minimumPoints": 500,
          "increment": 500,
          "processing": "Up to 30 minutes"
        },
        {
          "program": "SAS EuroBonus",
          "points": 5,
          "miles": 4,
          "minimumPoints": 500,
          "increment": 500,
          "processing": "3–20 business days"
        },
        {
          "program": "Singapore Airlines KrisFlyer",
          "points": 3,
          "miles": 2,
          "minimumPoints": 1500,
          "increment": 300,
          "processing": "3–20 business days"
        },
        {
          "program": "British Airways Club",
          "points": 5,
          "miles": 4,
          "minimumPoints": 800,
          "increment": 400,
          "processing": "Up to 30 minutes"
        },
        {
          "program": "Emirates Skywards",
          "points": 5,
          "miles": 2,
          "minimumPoints": null,
          "increment": null,
          "processing": null
        }
      ]
    },
    {
      "id": "it-amex-bizplatinum",
      "country": "IT",
      "issuer": "American Express",
      "name": "Carta Platino Business American Express",
      "fee": 840,
      "currency": "EUR",
      "reward": "Membership Rewards points",
      "rate": 1,
      "earn": "1 Membership Rewards point per EUR 1 eligible spend.",
      "url": "https://www.americanexpress.com/it-it/aziende/carte-di-pagamento/business-platino/",
      "type": "Business charge card",
      "mileageEligible": true,
      "mileageRoute": "Bank points",
      "status": "Official application page available; issuer approval required",
      "verified": true,
      "verifiedAt": "2026-10-14",
      "verificationScope": "Product, fee, earning route and listed conditions checked; unrecorded terms remain unverified.",
      "calculatorDisabled": true,
      "firstYearFee": 840,
      "feeWaiver": null,
      "rounding": "Nearest whole point: EUR 1.50 earns 2 points; EUR 1.20 earns 1.",
      "pointsExpiry": "Keep the card and Club membership active and payments current; closure can forfeit points. Consult the rules before cancellation.",
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": "Partner estimates are shown below; general rules allow up to 30 business days.",
      "image": "https://icm.aexp-static.com/Internet/internationalcardshop/gcp/business/it_it/images/cards/Platinum.jpg",
      "imageSource": "https://www.americanexpress.com/it-it/aziende/carte-di-pagamento/business-platino/",
      "partners": [
        "Cathay Asia Miles",
        "Delta SkyMiles",
        "Flying Blue",
        "Iberia Club",
        "SAS EuroBonus",
        "Singapore Airlines KrisFlyer",
        "British Airways Club",
        "Emirates Skywards"
      ],
      "programIds": [
        "krisflyer",
        "cathay",
        "flyingblue",
        "ba"
      ],
      "income": null,
      "route": "Transfer Italian Membership Rewards points to airline programs. Ratios differ by partner; Emirates requires login. No direct Miles & More transfer.",
      "mileageSource": "https://www.americanexpress.com/it-it/rewards/membership-rewards/travel/airlines",
      "earningSource": "https://www.americanexpress.com/it-it/aziende/carte-di-pagamento/business-platino/termini-e-condizioni/",
      "note": "Monthly fee annualized. Fuel stations, prepaid top-ups, PagoPA, Poste Italiane and specified Mooney/tele-toll payments are excluded from points. Fees, interest, cash and refunds do not earn. Stamp duty may apply separately. 3x applies to EUR 50,000 combined eligible partner spend from 1 April 2026 to 31 March 2027, then 1x. Partner/channel restrictions apply; payment aggregators excluded.",
      "eligibility": "Adult Italian resident; SME or VAT-registered business established for at least 12 months; recommended annual turnover EUR 60,000; no insolvency proceedings; SEPA bank/postal account, not a prepaid-card IBAN. Subject to issuer checks.",
      "special": [
        [
          "Eligible direct Apple Store, Edenred, Fastweb, ITA Airways, Italo, Meta and Vodafone purchases",
          3
        ]
      ],
      "rewardsAnnualFee": 0,
      "termsSource": "https://www.americanexpress.com/content/dam/amex/it/staticassets/pdf/membership-rewards/club/Regolamento_MR_definitivo.pdf",
      "transfers": [
        {
          "program": "Cathay Asia Miles",
          "points": 5,
          "miles": 4,
          "minimumPoints": 1000,
          "increment": 500,
          "processing": "3–20 business days"
        },
        {
          "program": "Delta SkyMiles",
          "points": 3,
          "miles": 2,
          "minimumPoints": 3,
          "increment": 3,
          "processing": "3–20 business days"
        },
        {
          "program": "Flying Blue",
          "points": 3,
          "miles": 2,
          "minimumPoints": 750,
          "increment": 3,
          "processing": "3–20 business days"
        },
        {
          "program": "Iberia Club",
          "points": 5,
          "miles": 4,
          "minimumPoints": 500,
          "increment": 500,
          "processing": "Up to 30 minutes"
        },
        {
          "program": "SAS EuroBonus",
          "points": 5,
          "miles": 4,
          "minimumPoints": 500,
          "increment": 500,
          "processing": "3–20 business days"
        },
        {
          "program": "Singapore Airlines KrisFlyer",
          "points": 3,
          "miles": 2,
          "minimumPoints": 1500,
          "increment": 300,
          "processing": "3–20 business days"
        },
        {
          "program": "British Airways Club",
          "points": 5,
          "miles": 4,
          "minimumPoints": 800,
          "increment": 400,
          "processing": "Up to 30 minutes"
        },
        {
          "program": "Emirates Skywards",
          "points": 5,
          "miles": 2,
          "minimumPoints": null,
          "increment": null,
          "processing": null
        }
      ]
    },
    {
      "id": "it-advanzia-milesmore-gold",
      "country": "IT",
      "issuer": "Advanzia Bank",
      "name": "Miles & More Mastercard Gold",
      "fee": 72,
      "currency": "EUR",
      "reward": "Miles & More miles",
      "rate": 0.5,
      "earn": "1 Miles & More award mile per EUR 2 eligible card purchases.",
      "url": "https://milesandmore.cardgold.it/",
      "type": "Personal credit card",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "status": "Official Miles & More application listing; issuer page access restricted during verification",
      "verified": true,
      "verifiedAt": "2026-10-14",
      "verificationScope": "Product, fee, earning route and listed conditions checked; unrecorded terms remain unverified.",
      "calculatorDisabled": true,
      "firstYearFee": null,
      "feeWaiver": "Official airline offer waives the first six months; standard fee is EUR 6/month (EUR 72/year). Confirm current offer at application.",
      "rounding": null,
      "pointsExpiry": "Expiry protection requires holding the card at least three months and one qualifying, non-refunded mileage-earning purchase every month.",
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": "Initial miles approximately three months after first purchase; subsequent purchase miles monthly.",
      "image": null,
      "imageSource": null,
      "partners": [
        "Miles & More"
      ],
      "programIds": [
        "milesmore"
      ],
      "income": null,
      "route": "Award miles post directly to the linked Miles & More account.",
      "mileageSource": "https://www.miles-and-more.com/it/it/earn/advanzia-bank-it/partner/finance/advanzia-it/earn/basic-offer/advanzia_it_earn_basic_6000m.html",
      "earningSource": "https://www.miles-and-more.com/it/it/earn/advanzia-bank-it/partner/finance/advanzia-it/earn/basic-offer/advanzia_it_earn_basic_6000m.html",
      "note": "Annual fee is payable under the contract even when billed monthly; early cancellation can trigger the full annual fee. First-year total is left unverified because offer and cancellation conditions differ.",
      "eligibility": "Italian-market application subject to Advanzia creditworthiness and affordability assessment. Exact residency, income and account requirements were not independently confirmed.",
      "special": [],
      "termsSource": "https://www.advanzia.com/it-it/Documents/Elenco-Prezzi-e-Servizi-IT-202410.pdf"
    },
    {
      "id": "it-unicredit-flexia-gold",
      "country": "IT",
      "issuer": "UniCredit",
      "name": "UniCreditCard Flexia Gold Miles & More",
      "fee": 100,
      "currency": "EUR",
      "reward": "Miles & More miles",
      "rate": 0.5,
      "earn": "1 award mile per EUR 2 eligible purchases.",
      "url": "https://www.unicredit.it/it/privati/carte/tutte-le-carte/carte-di-credito/unicreditcard-flexia-gold-miles-and-more.html",
      "type": "Personal credit card",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "status": "Official application page available; issuer approval required",
      "verified": true,
      "verifiedAt": "2026-10-14",
      "verificationScope": "Product, fee, earning route and listed conditions checked; unrecorded terms remain unverified.",
      "calculatorDisabled": true,
      "firstYearFee": 100,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": "Expiry protection requires holding the card over three months and making a qualifying purchase every month.",
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": "https://content.ucgstatic.eu/content/dam/ucpublic/it/privati/img/carte/card-art/Flexia_MM_Card_Art-430x243-202410101.png",
      "imageSource": "https://www.unicredit.it/it/privati/carte/tutte-le-carte/carte-di-credito/unicreditcard-flexia-gold-miles-and-more.html",
      "partners": [
        "Miles & More"
      ],
      "programIds": [
        "milesmore"
      ],
      "income": null,
      "route": "Award miles automatically credit to the cardholder’s Miles & More account.",
      "mileageSource": "https://www.unicredit.it/it/privati/carte/tutte-le-carte/carte-di-credito/unicreditcard-flexia-gold-miles-and-more.html",
      "earningSource": "https://www.unicredit.it/it/privati/carte/tutte-le-carte/carte-di-credito/unicreditcard-flexia-gold-miles-and-more.html",
      "note": "Cash advances do not earn miles. Transaction rounding remains unverified. EUR 10 one-time issue fee is additional to the annual fee. Optional instalment repayment is available.",
      "eligibility": "Available to UniCredit account holders, subject to issuer credit assessment and approved limit.",
      "special": [],
      "issueFee": 10
    },
    {
      "id": "it-unicredit-business-individuale",
      "country": "IT",
      "issuer": "UniCredit",
      "name": "UniCreditCard Business Miles & More Individuale",
      "fee": 125,
      "currency": "EUR",
      "reward": "Miles & More miles",
      "rate": 1,
      "earn": "1 award mile per EUR 1 eligible purchases.",
      "url": "https://www.unicredit.it/it/business/carte/tutti-i-prodotti/per-imprese-e-professionisti/unicreditcard-business-miles-and-more.html",
      "type": "Business deferred-debit card",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "status": "Official application page available; issuer approval required",
      "verified": true,
      "verifiedAt": "2026-10-14",
      "verificationScope": "Product, fee, earning route and listed conditions checked; unrecorded terms remain unverified.",
      "calculatorDisabled": true,
      "firstYearFee": 0,
      "feeWaiver": "First-year waiver for new subscriptions through 30 November 2026. From year two, renewal fee waived after EUR 12,000 annual spending.",
      "rounding": null,
      "pointsExpiry": "Expiry protection requires holding the card over three months and making a qualifying purchase every month.",
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": "public/assets/cards/it-unicredit-business-individuale.png",
      "imageSource": "https://www.unicredit.it/it/business/carte/tutti-i-prodotti/per-imprese-e-professionisti/unicreditcard-business-miles-and-more.html",
      "partners": [
        "Miles & More"
      ],
      "programIds": [
        "milesmore"
      ],
      "income": null,
      "route": "Award miles automatically credit to the cardholder’s Miles & More account.",
      "mileageSource": "https://www.unicredit.it/it/business/carte/tutti-i-prodotti/per-imprese-e-professionisti/unicreditcard-business-miles-and-more.html",
      "earningSource": "https://www.unicredit.it/it/business/carte/tutti-i-prodotti/per-imprese-e-professionisti/unicreditcard-business-miles-and-more.html",
      "note": "Cash advances do not earn miles. Transaction rounding remains unverified. The issuer’s May 2026 product sheet and current page quote EUR 125; the airline partner page still quotes EUR 120. Current issuer pricing is used. Full balance debited on the 15th of the following month.",
      "eligibility": "For self-employed professionals; application through UniCredit, subject to account and credit assessment. Full monthly settlement.",
      "special": [],
      "termsSource": "https://www.unicredit.it/content/dam/ucpublic/it/business/doc/carte/MM_Individuale-SP.pdf",
      "imageOriginal": "https://content.ucgstatic.eu/content/dam/ucpublic/it/piccole-imprese/img/carte/UniCreditCard_Business_MilesMore_Carddesign_430x243.png"
    },
    {
      "id": "it-unicredit-business-aziendale",
      "country": "IT",
      "issuer": "UniCredit",
      "name": "UniCreditCard Business Miles & More Aziendale",
      "fee": 125,
      "currency": "EUR",
      "reward": "Miles & More miles",
      "rate": 1,
      "earn": "1 award mile per EUR 1 eligible purchases.",
      "url": "https://www.unicredit.it/it/business/carte/tutti-i-prodotti/per-imprese-e-professionisti/unicreditcard-business-miles-and-more.html",
      "type": "Corporate deferred-debit card",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "status": "Official application page available; issuer approval required",
      "verified": true,
      "verifiedAt": "2026-10-14",
      "verificationScope": "Product, fee, earning route and listed conditions checked; unrecorded terms remain unverified.",
      "calculatorDisabled": true,
      "firstYearFee": 0,
      "feeWaiver": "First-year waiver for new subscriptions through 30 November 2026. From year two, renewal fee waived after EUR 12,000 annual spending.",
      "rounding": null,
      "pointsExpiry": "Expiry protection requires holding the card over three months and making a qualifying purchase every month.",
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": "public/assets/cards/it-unicredit-business-aziendale.png",
      "imageSource": "https://www.unicredit.it/it/business/carte/tutti-i-prodotti/per-imprese-e-professionisti/unicreditcard-business-miles-and-more.html",
      "partners": [
        "Miles & More"
      ],
      "programIds": [
        "milesmore"
      ],
      "income": null,
      "route": "Award miles automatically credit to the cardholder’s Miles & More account.",
      "mileageSource": "https://www.unicredit.it/it/business/carte/tutti-i-prodotti/per-imprese-e-professionisti/unicreditcard-business-miles-and-more.html",
      "earningSource": "https://www.unicredit.it/it/business/carte/tutti-i-prodotti/per-imprese-e-professionisti/unicreditcard-business-miles-and-more.html",
      "note": "Cash advances do not earn miles. Transaction rounding remains unverified. The issuer’s May 2026 product sheet and current page quote EUR 125; the airline partner page still quotes EUR 120. Current issuer pricing is used. Full balance debited on the 15th of the following month.",
      "eligibility": "For businesses, including microbusinesses, issuing employee/collaborator cards; application through UniCredit, subject to account and credit assessment. Full monthly settlement.",
      "special": [],
      "termsSource": "https://www.unicredit.it/content/dam/ucpublic/it/business/doc/carte/MM_Aziendale-SP.pdf",
      "imageOriginal": "https://content.ucgstatic.eu/content/dam/ucpublic/it/piccole-imprese/img/carte/UniCreditCard_Business_MilesMore_Carddesign_430x243.png"
    },
    {
      "country": "CA",
      "id": "ca-td-first-class-travel",
      "name": "First Class Travel Visa Infinite Card",
      "issuer": "TD",
      "fee": 139,
      "currency": "CAD",
      "reward": "TD Rewards points",
      "earn": "2 TD Rewards points per CAD 1 on other purchases",
      "url": "https://www.td.com/ca/en/personal-banking/products/credit-cards/travel-rewards/first-class-travel-visa-infinite-card",
      "route": "Convert TD Rewards points to participating airline programs; partners, ratios and minimums vary. Check the issuer's current conversion table.",
      "rate": 2,
      "eligibility": "Local residency, age, income, credit assessment and issuer-specific requirements apply.",
      "type": "Personal credit card",
      "mileageRoute": "Bank points",
      "status": "Official product page indexed; confirm current terms",
      "verified": false,
      "mileageEligible": true,
      "mileageSource": "https://www.td.com/ca/en/personal-banking/products/credit-cards/travel-rewards/first-class-travel-visa-infinite-card",
      "note": "Annual fee CAD 139 per the issuer page. Bonus categories, caps and transfer terms were not itemized.",
      "image": "public/assets/cards/ca-td-first-class-travel.jpg",
      "imageSource": "https://www.td.com/ca/en/personal-banking/products/credit-cards/travel-rewards/first-class-travel-visa-infinite-card",
      "special": [],
      "verifiedAt": "2026-10-15",
      "calculatorDisabled": true,
      "firstYearFee": 0,
      "feeWaiver": "First-year fee rebated for the primary cardholder if the card is activated and a first purchase is made within 3 months of opening.",
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "feeSource": "https://www.td.com/ca/en/personal-banking/products/credit-cards/travel-rewards/first-class-travel-visa-infinite-card",
      "earningSource": "https://www.td.com/ca/en/personal-banking/products/credit-cards/travel-rewards/first-class-travel-visa-infinite-card",
      "imageOriginal": "https://www.td.com/content/dam/tdct/images/personal-banking/first-class-travel-en-comp27.jpeg"
    },
    {
      "country": "CA",
      "id": "ca-cibc-aventura-infinite",
      "name": "Aventura Visa Infinite Card",
      "issuer": "CIBC",
      "fee": 139,
      "currency": "CAD",
      "reward": "CIBC Aventura points",
      "earn": "1 Aventura point per CAD 1 on all other purchases",
      "url": "https://www.cibc.com/en/personal-banking/credit-cards/all-credit-cards/aventura-visa-infinite-card.html",
      "route": "Convert Aventura points to participating airline programs; partners, ratios and minimums vary. Check the issuer's current conversion table.",
      "rate": 1,
      "eligibility": "Local residency, age, income, credit assessment and issuer-specific requirements apply.",
      "type": "Personal credit card",
      "mileageRoute": "Bank points",
      "status": "Official product page indexed; confirm current terms",
      "verified": false,
      "mileageEligible": true,
      "mileageSource": "https://www.cibc.com/en/personal-banking/credit-cards/all-credit-cards/aventura-visa-infinite-card.html",
      "note": "Annual fee CAD 139 per the issuer page; additional cards CAD 50 each. Bonus categories, caps and transfer terms were not itemized.",
      "image": "public/assets/cards/ca-cibc-aventura-infinite.png",
      "imageSource": "https://www.cibc.com/en/personal-banking/credit-cards/all-credit-cards/aventura-visa-infinite-card.html",
      "special": [],
      "verifiedAt": "2026-10-15",
      "calculatorDisabled": true,
      "firstYearFee": 0,
      "feeWaiver": "First year rebated per the issuer page.",
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "feeSource": "https://www.cibc.com/en/personal-banking/credit-cards/all-credit-cards/aventura-visa-infinite-card.html",
      "earningSource": "https://www.cibc.com/en/personal-banking/credit-cards/all-credit-cards/aventura-visa-infinite-card.html",
      "imageOriginal": "https://www.cibc.com/content/dam/global-assets/card-art/credit-cards/aventura-cards/cibc-aventura-visa-infinite-card/cibc-visa-aventura-infinite-en.png/_jcr_content/renditions/cq5dam.web.1280.1280.png"
    },
    {
      "country": "CA",
      "id": "ca-bmo-ascend-world-elite",
      "name": "Ascend World Elite Mastercard",
      "issuer": "BMO",
      "fee": null,
      "currency": "CAD",
      "reward": "BMO Rewards points",
      "earn": "See current issuer earning schedule; calculator unavailable pending rate verification.",
      "url": "https://www.bmo.com/main/personal/credit-cards/bmo-ascend-world-elite-mastercard/",
      "route": "Convert BMO Rewards points to participating airline programs; partners, ratios and minimums vary. Check the issuer's current conversion table.",
      "rate": null,
      "eligibility": "Local residency, age, income, credit assessment and issuer-specific requirements apply.",
      "type": "Personal credit card",
      "mileageRoute": "Bank points",
      "status": "Official product page indexed; confirm current terms",
      "verified": false,
      "mileageEligible": true,
      "mileageSource": "https://www.bmo.com/main/personal/credit-cards/bmo-ascend-world-elite-mastercard/",
      "note": "Annual fee, earning rates and transfer terms not yet verified; confirm on the issuer page before applying.",
      "image": "public/assets/cards/ca-bmo-ascend-world-elite.webp",
      "imageSource": "https://www.bmo.com/main/personal/credit-cards/bmo-ascend-world-elite-mastercard/",
      "special": [],
      "verifiedAt": null,
      "calculatorDisabled": true,
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "imageOriginal": "https://www.bmo.com/dam_asset/transform/68636e0f-5914-4095-80b3-db120ab9e043/9051e1e8-bmo-ascend-world-elite-mastercard-desktop?format=webp&quality=100"
    },
    {
      "country": "AU",
      "id": "au-anz-rewards-black",
      "name": "Rewards Black",
      "issuer": "ANZ",
      "fee": 375,
      "currency": "AUD",
      "reward": "ANZ Reward Points",
      "earn": "2 ANZ Reward Points per AUD 1 up to AUD 5,000 per statement period; 1 per AUD 1 above that",
      "url": "https://www.anz.com.au/personal/credit-cards/rewards/black/",
      "route": "Convert ANZ Reward Points to participating airline programs; partners, ratios and minimums vary. Check the issuer's current conversion table.",
      "rate": 2,
      "eligibility": "Local residency, age, income, credit assessment and issuer-specific requirements apply.",
      "type": "Personal credit card",
      "mileageRoute": "Bank points",
      "status": "Official product page indexed; confirm current terms",
      "verified": false,
      "mileageEligible": true,
      "mileageSource": "https://www.anz.com.au/personal/credit-cards/rewards/black/",
      "note": "AUD 375 total annual fee, which the issuer page states includes the AUD 320 card fee and a compulsory AUD 55 rewards program service fee.",
      "image": "https://www.anz.com.au/content/dam/anzcomau/images/credit-cards/ANZ/cc-angle-anz-rewards-black-card-hero-banner.jpg",
      "imageSource": "https://www.anz.com.au/personal/credit-cards/rewards/black/",
      "special": [],
      "verifiedAt": "2026-10-15",
      "calculatorDisabled": true,
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "feeSource": "https://www.anz.com.au/personal/credit-cards/rewards/black/",
      "earningSource": "https://www.anz.com.au/personal/credit-cards/rewards/black/"
    },
    {
      "country": "AU",
      "id": "au-anz-rewards-platinum",
      "name": "Rewards Platinum",
      "issuer": "ANZ",
      "fee": 149,
      "currency": "AUD",
      "reward": "ANZ Reward Points",
      "earn": "1.5 ANZ Reward Points per AUD 1 up to AUD 2,000 per statement period; 0.5 per AUD 1 above that",
      "url": "https://www.anz.com.au/personal/credit-cards/rewards/platinum/",
      "route": "Convert ANZ Reward Points to participating airline programs; partners, ratios and minimums vary. Check the issuer's current conversion table.",
      "rate": 1.5,
      "eligibility": "Local residency, age, income, credit assessment and issuer-specific requirements apply.",
      "type": "Personal credit card",
      "mileageRoute": "Bank points",
      "status": "Official product page indexed; confirm current terms",
      "verified": false,
      "mileageEligible": true,
      "mileageSource": "https://www.anz.com.au/personal/credit-cards/rewards/platinum/",
      "note": "AUD 149 total annual fee, which the issuer page states includes the AUD 94 card fee and a compulsory AUD 55 rewards program service fee.",
      "image": "https://www.anz.com.au/content/dam/anzcomau/images/credit-cards/ANZ/cc-angle-anz-rewards-platinum-hb.jpg",
      "imageSource": "https://www.anz.com.au/personal/credit-cards/rewards/platinum/",
      "special": [],
      "verifiedAt": "2026-10-15",
      "calculatorDisabled": true,
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "feeSource": "https://www.anz.com.au/personal/credit-cards/rewards/platinum/",
      "earningSource": "https://www.anz.com.au/personal/credit-cards/rewards/platinum/"
    },
    {
      "country": "SG",
      "id": "sg-ocbc-voyage",
      "name": "VOYAGE Card",
      "issuer": "OCBC",
      "fee": 498,
      "currency": "SGD",
      "reward": "OCBC VOYAGE Miles",
      "earn": "1.3 VOYAGE Miles per SGD 1 local spend; 2.2 VOYAGE Miles per SGD 1 foreign currency spend (issuer page).",
      "url": "https://www.ocbc.com/personal-banking/cards/voyage-credit-card.page",
      "route": "Convert VOYAGE Miles to participating airline programs; partners, ratios and minimums vary. Check the issuer's current conversion table.",
      "rate": 1.3,
      "eligibility": "Local residency, age, income, credit assessment and issuer-specific requirements apply.",
      "type": "Personal credit card",
      "mileageRoute": "Bank points",
      "status": "Official product page checked October 15, 2026; confirm current terms",
      "verified": true,
      "mileageEligible": true,
      "mileageSource": "https://www.ocbc.com/personal-banking/cards/voyage-credit-card.page",
      "note": "Annual Service Fee SGD 498 including GST, charged on approval and at renewal; not waivable per the issuer page. Earning rates per the issuer page. Transfer ratios, minimums and bonus rules are not verified.",
      "image": "public/assets/cards/sg-ocbc-voyage.png",
      "imageSource": "https://www.ocbc.com/personal-banking/cards/voyage-credit-card-rewards.page",
      "special": [
        [
          "Foreign currency spend",
          2.2
        ]
      ],
      "verifiedAt": "2026-10-15",
      "calculatorDisabled": true,
      "firstYearFee": null,
      "feeWaiver": "Not waivable per issuer page",
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "feeSource": "https://www.ocbc.com/personal-banking/cards/voyage-credit-card.page",
      "imageOriginal": "https://www.ocbc.com/iwov-resources/sg/ocbc/personal/img/live/cards/voyagecard/voyage-cardface.png"
    },
    {
      "country": "SG",
      "id": "sg-hsbc-visa-infinite",
      "name": "Visa Infinite Card",
      "issuer": "HSBC",
      "fee": 662.15,
      "currency": "SGD",
      "reward": "HSBC Reward Points",
      "earn": "See current issuer earning schedule; calculator unavailable pending rate verification.",
      "url": "https://www.hsbc.com.sg/credit-cards/products/visa-infinite/",
      "route": "Convert HSBC Reward Points to participating airline programs; partners, ratios and minimums vary. Check the issuer's current conversion table.",
      "rate": null,
      "eligibility": "Local residency, age, income, credit assessment and issuer-specific requirements apply.",
      "type": "Personal credit card",
      "mileageRoute": "Bank points",
      "status": "Official product page indexed; confirm current terms",
      "verified": false,
      "mileageEligible": true,
      "mileageSource": "https://www.hsbc.com.sg/credit-cards/products/visa-infinite/",
      "note": "Annual fee SGD 662.15 including GST, with no waiver, per the issuer page. The page shows earning only as up to 1 mile local and up to 2 miles overseas per SGD 1, so no base rate is recorded. The page also states HSBC is temporarily pausing applications for this card.",
      "image": "public/assets/cards/sg-hsbc-visa-infinite.jpg",
      "imageSource": "https://www.hsbc.com.sg/credit-cards/products/visa-infinite/",
      "special": [],
      "verifiedAt": "2026-10-15",
      "calculatorDisabled": true,
      "firstYearFee": 662.15,
      "feeWaiver": "The issuer page states no annual-fee waiver.",
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "feeSource": "https://www.hsbc.com.sg/credit-cards/products/visa-infinite/",
      "imageOriginal": "https://www.hsbc.com.sg/content/dam/hsbc/sg/images/credit-cards/8488-1887295-a-visa-infinite-491x317.jpg"
    },
    {
      "country": "SG",
      "id": "sg-sc-visa-infinite",
      "name": "Visa Infinite Credit Card",
      "issuer": "Standard Chartered",
      "fee": 599.5,
      "currency": "SGD",
      "reward": "360° Rewards points",
      "earn": "2.5 360° Rewards points (1 mile) per SGD 1 on spend below SGD 2,000 per statement cycle; higher rates once SGD 2,000 is met",
      "url": "https://www.sc.com/sg/credit-cards/visa-infinite/",
      "route": "Convert 360° Rewards points to participating airline programs; partners, ratios and minimums vary. Check the issuer's current conversion table.",
      "rate": 2.5,
      "eligibility": "Local residency, age, income, credit assessment and issuer-specific requirements apply.",
      "type": "Personal credit card",
      "mileageRoute": "Bank points",
      "status": "Official product page indexed; confirm current terms",
      "verified": false,
      "mileageEligible": true,
      "mileageSource": "https://www.sc.com/sg/credit-cards/visa-infinite/",
      "note": "Annual fee SGD 599.50 including 9% GST (SGD 550 before GST), non-waivable, per the issuer fee table. Spending of SGD 2,000 or more in a statement cycle earns higher local and foreign-currency rates that are not itemized here.",
      "image": null,
      "imageSource": null,
      "special": [],
      "verifiedAt": "2026-10-15",
      "calculatorDisabled": true,
      "firstYearFee": 599.5,
      "feeWaiver": "The issuer page states the annual fee is non-waivable.",
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "feeSource": "https://www.sc.com/sg/credit-cards/visa-infinite/",
      "earningSource": "https://www.sc.com/sg/credit-cards/visa-infinite/"
    },
    {
      "country": "SG",
      "id": "sg-dbs-insignia",
      "name": "Insignia Visa Infinite Card",
      "issuer": "DBS",
      "fee": 3270,
      "currency": "SGD",
      "reward": "DBS Points",
      "earn": "4 DBS Points per SGD 5 local spend (0.8 per SGD 1); 5 DBS Points per SGD 5 overseas spend (1.0 per SGD 1). Points are rounded down per transaction; 1 DBS Point = 2 miles.",
      "url": "https://www.dbs.com.sg/private-banking/deposits/your-cards/insignia",
      "route": "Convert DBS Points to participating airline programs; partners, ratios and minimums vary. Check the issuer's current conversion table.",
      "rate": 0.8,
      "eligibility": "Local residency, age, income, credit assessment and issuer-specific requirements apply.",
      "type": "Personal credit card",
      "mileageRoute": "Bank points",
      "status": "Official terms checked October 15, 2026 (document last updated August 4, 2026); confirm eligibility and current terms",
      "verified": true,
      "mileageEligible": true,
      "mileageSource": "https://www.dbs.com.sg/private-banking/deposits/your-cards/insignia",
      "note": "Annual fee SGD 3,270 including 9% GST. Each membership year the principal cardholder receives 100,000 bonus air miles (50,000 DBS Points), credited when the annual fee posts. Earning rates per the DBS privileges terms. Transfer minimums, processing times and eligibility are not verified.",
      "image": "public/assets/cards/sg-dbs-insignia.png",
      "imageSource": "https://www.dbs.com.sg/personal/landing/insignia-microsite/index.html",
      "special": [
        [
          "Overseas spend",
          1
        ]
      ],
      "verifiedAt": "2026-10-15",
      "calculatorDisabled": true,
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "feeSource": "https://www.dbs.com.sg/iwov-resources/media/pdf/cards/dbs-insignia-visa-infinite-cards-privileges-tnc.pdf",
      "termsSource": "https://www.dbs.com.sg/iwov-resources/media/pdf/cards/dbs-insignia-visa-infinite-cards-privileges-tnc.pdf",
      "imageOriginal": "https://www.dbs.com.sg/personal/landing/insignia-microsite/img/card-mb.png"
    },
    {
      "country": "MY",
      "id": "my-rhb-world-mastercard",
      "name": "World Mastercard",
      "issuer": "RHB",
      "fee": null,
      "currency": "MYR",
      "reward": "RHB Rewards points",
      "earn": "See current issuer earning schedule; calculator unavailable pending rate verification.",
      "url": "https://www.rhbgroup.com/credit-cards/world-mastercard/index.html",
      "route": "Convert RHB Rewards points to participating airline programs; partners, ratios and minimums vary. Check the issuer's current conversion table.",
      "rate": null,
      "eligibility": "Local residency, age, income, credit assessment and issuer-specific requirements apply.",
      "type": "Personal credit card",
      "mileageRoute": "Bank points",
      "status": "Official product page indexed; confirm current terms",
      "verified": false,
      "mileageEligible": true,
      "mileageSource": "https://www.rhbgroup.com/credit-cards/world-mastercard/index.html",
      "note": "Annual fee, earning rates and transfer terms not yet verified; confirm on the issuer page before applying.",
      "image": "public/assets/cards/my-rhb-world-mastercard.png",
      "imageSource": "https://www.rhbgroup.com/personal/cards/credit-cards/rhb-world-mastercard-credit-card/index.html",
      "special": [],
      "verifiedAt": null,
      "calculatorDisabled": true,
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "imageOriginal": "https://www.rhbgroup.com/-/media/Assets/Corporate-Website/Images/Personal/Cards/Credit-Cards/Desktop-Banner/DSK_Banner_1920x675_Personal_rhb-world-mastercard-credit-card.png"
    },
    {
      "country": "AU",
      "id": "au-amex-qantas-premium",
      "name": "Qantas American Express Premium Card",
      "issuer": "American Express",
      "fee": 249,
      "currency": "AUD",
      "reward": "Qantas Points",
      "earn": "1 Qantas Point per AUD 1 on everyday card purchases",
      "url": "https://www.americanexpress.com/en-au/credit-cards/qantas-premium-card/",
      "route": "Points credit to your linked Qantas Frequent Flyer account.",
      "rate": 1,
      "eligibility": "Local residency, age, income, credit assessment and issuer-specific requirements apply.",
      "type": "Personal credit card",
      "mileageRoute": "Direct miles",
      "status": "Official product page indexed; confirm current terms",
      "verified": false,
      "mileageEligible": true,
      "mileageSource": "https://www.americanexpress.com/en-au/credit-cards/qantas-premium-card/",
      "note": "AUD 249 annual fee per the issuer product page; no first-year waiver is stated there. Bonus categories and exclusions were not itemized.",
      "image": "https://icm.aexp-static.com/Internet/internationalcardshop/en_au/images/cards/The_Qantas_American_Express_Premium_Card.png",
      "imageSource": "https://www.americanexpress.com/en-au/credit-cards/qantas-premium-card/",
      "special": [],
      "verifiedAt": "2026-10-15",
      "calculatorDisabled": true,
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "feeSource": "https://www.americanexpress.com/en-au/credit-cards/qantas-premium-card/",
      "earningSource": "https://www.americanexpress.com/en-au/credit-cards/qantas-premium-card/"
    },
    {
      "country": "AU",
      "id": "au-amex-velocity-escape-plus",
      "name": "Velocity Escape Plus Card",
      "issuer": "American Express",
      "fee": 95,
      "currency": "AUD",
      "reward": "Velocity Points",
      "earn": "1 Velocity Point per AUD 1 on other eligible spend; 0.5 per AUD 1 at Australian government bodies",
      "url": "https://www.americanexpress.com/en-au/credit-cards/velocity-escape-plus-card/",
      "route": "Points credit to your linked Virgin Australia Velocity account.",
      "rate": 1,
      "eligibility": "Local residency, age, income, credit assessment and issuer-specific requirements apply.",
      "type": "Personal credit card",
      "mileageRoute": "Direct miles",
      "status": "Official product page indexed; confirm current terms",
      "verified": false,
      "mileageEligible": true,
      "mileageSource": "https://www.americanexpress.com/en-au/credit-cards/velocity-escape-plus-card/",
      "note": "AUD 95 annual fee per the issuer product page; no first-year waiver is stated there. Base earning excludes the providers listed on the page.",
      "image": "https://icm.aexp-static.com/Internet/internationalcardshop/en_au/images/cards/The_American_Express_Velocity_Escape_Plus_Card.png",
      "imageSource": "https://www.americanexpress.com/en-au/credit-cards/velocity-escape-plus-card/",
      "special": [],
      "verifiedAt": "2026-10-15",
      "calculatorDisabled": true,
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "feeSource": "https://www.americanexpress.com/en-au/credit-cards/velocity-escape-plus-card/",
      "earningSource": "https://www.americanexpress.com/en-au/credit-cards/velocity-escape-plus-card/"
    },
    {
      "country": "AU",
      "id": "au-amex-qantas-business-rewards",
      "name": "Qantas Business Rewards Card",
      "issuer": "American Express",
      "fee": 450,
      "currency": "AUD",
      "reward": "Qantas Points",
      "earn": "1.25 Qantas Points per AUD 1 on everyday business spend; 0.75 after 500,000 Qantas Points earned in a calendar year; 0.5 on government, utilities and insurance",
      "url": "https://www.americanexpress.com/en-au/credit-cards/qantas-business-rewards-card/",
      "route": "Points credit to your linked Qantas Frequent Flyer account.",
      "rate": 1.25,
      "eligibility": "Local residency, age, income, credit assessment and issuer-specific requirements apply.",
      "type": "Business credit card",
      "mileageRoute": "Direct miles",
      "status": "Official product page indexed; confirm current terms",
      "verified": false,
      "mileageEligible": true,
      "mileageSource": "https://www.americanexpress.com/en-au/credit-cards/qantas-business-rewards-card/",
      "note": "AUD 450 annual fee per the issuer product page; no first-year waiver is stated there.",
      "image": "https://icm.aexp-static.com/Internet/internationalcardshop/en_au/images/cards/The_American_Express_Qantas_Business_Rewards_Card.png",
      "imageSource": "https://www.americanexpress.com/en-au/credit-cards/qantas-business-rewards-card/",
      "special": [],
      "verifiedAt": "2026-10-15",
      "calculatorDisabled": true,
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "feeSource": "https://www.americanexpress.com/en-au/credit-cards/qantas-business-rewards-card/",
      "earningSource": "https://www.americanexpress.com/en-au/credit-cards/qantas-business-rewards-card/"
    },
    {
      "country": "AU",
      "id": "au-amex-velocity-business",
      "name": "Velocity Business Card",
      "issuer": "American Express",
      "fee": 249,
      "currency": "AUD",
      "reward": "Velocity Points",
      "earn": "1 Velocity Point per AUD 1 on everyday business spend; 2 on Virgin Australia travel; 0.5 on ATO and government spend",
      "url": "https://www.americanexpress.com/en-au/credit-cards/velocity-business-card/",
      "route": "Points credit to your linked Virgin Australia Velocity account.",
      "rate": 1,
      "eligibility": "Local residency, age, income, credit assessment and issuer-specific requirements apply.",
      "type": "Business credit card",
      "mileageRoute": "Direct miles",
      "status": "Official product page indexed; confirm current terms",
      "verified": false,
      "mileageEligible": true,
      "mileageSource": "https://www.americanexpress.com/en-au/credit-cards/velocity-business-card/",
      "note": "AUD 249 annual fee per the issuer product page; no first-year waiver is stated there.",
      "image": "https://icm.aexp-static.com/Internet/internationalcardshop/en_au/images/cards/The_American_Express_Velocity_Business_Card.png",
      "imageSource": "https://www.americanexpress.com/en-au/credit-cards/velocity-business-card/",
      "special": [],
      "verifiedAt": "2026-10-15",
      "calculatorDisabled": true,
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "feeSource": "https://www.americanexpress.com/en-au/credit-cards/velocity-business-card/",
      "earningSource": "https://www.americanexpress.com/en-au/credit-cards/velocity-business-card/"
    },
    {
      "country": "AU",
      "id": "au-amex-business-platinum",
      "name": "Business Platinum Card",
      "issuer": "American Express",
      "fee": 1750,
      "currency": "AUD",
      "reward": "Membership Rewards points",
      "earn": "2.25 Membership Rewards points per AUD 1 on eligible purchases; 1 per AUD 1 at government bodies and the ATO",
      "url": "https://www.americanexpress.com/en-au/credit-cards/platinum-business-card/",
      "route": "Membership Rewards points convert to selected airline programs; partners, ratios and minimums vary. Check the current Amex Australia conversion table.",
      "rate": 2.25,
      "eligibility": "Local residency, age, income, credit assessment and issuer-specific requirements apply.",
      "type": "Business credit card",
      "mileageRoute": "Bank points",
      "status": "Official product page indexed; confirm current terms",
      "verified": false,
      "mileageEligible": true,
      "mileageSource": "https://www.americanexpress.com/en-au/credit-cards/platinum-business-card/",
      "note": "AUD 1,750 annual fee per the issuer product page. Transfer ratios and exclusions were not reviewed.",
      "image": "https://icm.aexp-static.com/Internet/internationalcardshop/en_au/images/cards/The_American_Express_Platinum_Business_Card.png",
      "imageSource": "https://www.americanexpress.com/en-au/credit-cards/platinum-business-card/",
      "special": [],
      "verifiedAt": "2026-10-15",
      "calculatorDisabled": true,
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "feeSource": "https://www.americanexpress.com/en-au/credit-cards/platinum-business-card/",
      "earningSource": "https://www.americanexpress.com/en-au/credit-cards/platinum-business-card/"
    },
    {
      "country": "AU",
      "id": "au-amex-business-gold-plus",
      "name": "Business Gold Plus Card",
      "issuer": "American Express",
      "fee": 395,
      "currency": "AUD",
      "reward": "Membership Rewards points",
      "earn": "1 point per AUD 1 across all categories; up to 3 points per AUD 1 on the first 200,000 points earned per calendar year (issuer page).",
      "url": "https://www.americanexpress.com/en-au/credit-cards/business-gold-plus-card/",
      "route": "Membership Rewards points convert to selected airline programs; partners, ratios and minimums vary. Check the current Amex Australia conversion table.",
      "rate": 1,
      "eligibility": "Local residency, age, income, credit assessment and issuer-specific requirements apply.",
      "type": "Business credit card",
      "mileageRoute": "Bank points",
      "status": "Official product page indexed; confirm current terms",
      "verified": false,
      "mileageEligible": true,
      "mileageSource": "https://www.americanexpress.com/en-au/credit-cards/business-gold-plus-card/",
      "note": "AUD 395 annual fee per the issuer product page; no first-year waiver is stated there. Earning is tiered (accelerated rates up to 200,000 points a calendar year, then 1 point per AUD 1), so no single base rate is recorded.",
      "image": "https://icm.aexp-static.com/Internet/internationalcardshop/en_au/images/cards/The_American_Express_Business_Gold_Plus_Card.png",
      "imageSource": "https://www.americanexpress.com/en-au/credit-cards/business-gold-plus-card/",
      "special": [],
      "verifiedAt": "2026-10-15",
      "calculatorDisabled": true,
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "partners": [],
      "feeSource": "https://www.americanexpress.com/en-au/credit-cards/business-gold-plus-card/"
    },
    {
      "country": "HK",
      "id": "hk-hsbc-everymile",
      "issuer": "HSBC",
      "name": "EveryMile",
      "currency": "HKD",
      "fee": 2000,
      "reward": "RewardCash",
      "rate": 0.01,
      "earn": "1% base RewardCash; equivalent to 1 mile per HKD 5 at the published preferential conversion.",
      "url": "https://www.hsbc.com.hk/credit-cards/products/everymile/",
      "route": "RewardCash converts to participating airline currencies through HSBC Reward+. Conversion is 1 RewardCash to 20 miles for supported routes.",
      "type": "Personal credit card",
      "mileageRoute": "Bank points",
      "mileageEligible": true,
      "mileageSource": "https://www.hsbc.com.hk/credit-cards/products/everymile/",
      "status": "Listed by official issuer or airline; approval and current availability must be confirmed",
      "verified": true,
      "verifiedAt": "2026-10-16",
      "verificationScope": "Product and stated earning route checked against official sources. Unrecorded conditions remain unverified.",
      "calculatorDisabled": true,
      "firstYearFee": 0,
      "feeWaiver": "Next-year fee waiver after HKD 80,000 annual eligible spending.",
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": "Instant for most listed partners; British Airways, EVA Infinity MileageLands, KrisFlyer and Fortune Wings may take up to two weeks.",
      "image": "public/assets/cards/hk-hsbc-everymile.jpg",
      "imageSource": "https://www.hsbc.com.hk/credit-cards/products/everymile/",
      "special": [],
      "partners": [
        "Asia Miles",
        "KrisFlyer",
        "Flying Blue",
        "Emirates Skywards"
      ],
      "programIds": [
        "cathay",
        "krisflyer",
        "flyingblue",
        "skywards"
      ],
      "eligibility": "Published minimum annual income HKD 240,000; issuer assessment applies.",
      "note": "First-year annual fee waived. HSBC EveryMile redemptions use Reward+ app rather than online banking. Ordinary purchases advertised at HKD 5 per mile; designated categories HKD 2 per mile. Partner-specific conversion terms and expiry still need checking.",
      "feeSource": "https://dco-ccntb.hsbc.com.hk/EveryMile.html",
      "earningSource": "https://www.hsbc.com.hk/content/dam/hsbc/hk/tc/docs/credit-cards/everymile/everymile-everyday-spend.pdf",
      "termsSource": "https://www.hsbc.com.hk/credit-cards/rewards/terms/",
      "imageOriginal": "https://www.hsbc.com.hk/content/dam/hsbc/hk/images/mass/credit-cards/tile-16-9/8520-everymile-card-sky-grey-1600x900.jpg"
    },
    {
      "country": "HK",
      "id": "hk-dbs-black-world",
      "issuer": "DBS",
      "name": "Black World Mastercard",
      "currency": "HKD",
      "fee": null,
      "reward": "DBS$",
      "rate": 0.008,
      "earn": "DBS$2 per HKD 250 ordinary eligible spending; DBS$3 overseas foreign-currency spending; DBS$1 for specified Octopus/instalments.",
      "url": "https://www.dbs.com.hk/personal/credit-cards/credit-cards/black-mc-pweb",
      "route": "Convert DBS$ into participating airline miles; published conversion evidence uses DBS$48 for 1,000 miles.",
      "type": "Personal credit card",
      "mileageRoute": "Bank points",
      "mileageEligible": true,
      "mileageSource": "https://www.dbs.com.hk/personal/credit-cards/credit-cards/black-mc-pweb",
      "status": "Listed by official issuer or airline; approval and current availability must be confirmed",
      "verified": true,
      "verifiedAt": "2026-10-16",
      "verificationScope": "Product and stated earning route checked against official sources. Unrecorded conditions remain unverified.",
      "calculatorDisabled": true,
      "firstYearFee": 0,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": "public/assets/cards/hk-dbs-black-world.jpg",
      "imageSource": "https://www.dbs.com.hk/personal/credit-cards/credit-cards/black-mc-pweb",
      "special": [],
      "partners": [
        "Asia Miles"
      ],
      "programIds": [
        "cathay"
      ],
      "eligibility": "Published minimum annual income HKD 240,000; credit approval required.",
      "note": "First-year annual fee waived. Annual income threshold HKD 240,000 (monthly equivalent HKD 20,000). DBS$ are bank rewards, not airline miles. Renewal fee, per-partner ratios, rounding and expiry remain unresolved.",
      "termsSource": "https://www.dbs.com.hk/iwov-resources/pdf/creditcards/bkmc-tnc-cvp_en.pdf",
      "income": 20000,
      "earningSource": "https://www.dbs.com.hk/iwov-resources/pdf/creditcards/DBS-Black-Card-Conversion-Rates.pdf",
      "imageOriginal": "https://www.dbs.com.hk/iwov-resources/media/images/products/credit-card/square-banner/credit-card-blackmc-684x630-en.jpg"
    },
    {
      "country": "AE",
      "id": "ae-enbd-skywards-infinite",
      "issuer": "Emirates NBD",
      "name": "Skywards Infinite",
      "currency": "AED",
      "fee": 1575,
      "reward": "Skywards Miles",
      "rate": null,
      "earn": "1 Skywards Mile per USD 1 equivalent of eligible domestic spend; AED billing does not mean a rate per AED.",
      "url": "https://www.emiratesnbd.com/en/cards/credit-cards/skywards-infinite-credit-card",
      "route": "Miles credit to the linked Emirates Skywards account.",
      "type": "Personal credit card",
      "mileageRoute": "Direct miles",
      "mileageEligible": true,
      "mileageSource": "https://www.emiratesnbd.com/en/cards/credit-cards/skywards-infinite-credit-card",
      "status": "Listed by official issuer or airline; approval and current availability must be confirmed",
      "verified": true,
      "verifiedAt": "2026-10-16",
      "verificationScope": "Product and stated earning route checked against official sources. Unrecorded conditions remain unverified.",
      "calculatorDisabled": true,
      "firstYearFee": 3148.95,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": "public/assets/cards/ae-enbd-skywards-infinite.png",
      "imageSource": "https://www.emiratesnbd.com/en/cards/credit-cards/skywards-infinite-credit-card",
      "special": [],
      "partners": [
        "Emirates Skywards"
      ],
      "programIds": [
        "skywards"
      ],
      "eligibility": "Published minimum monthly salary AED 30,000; Emirates ID and issuer documents required.",
      "note": "International, EU/UK, special merchant and reduced-earning categories differ. Optional Express Miles costs extra and changes annual-fee treatment. Issuer page contains inconsistent Express Miles fee references; confirm before enrolling. First-year amount represents the published joining fee.",
      "feeSource": "https://www.emiratesnbd.com/en/cards/credit-cards/skywards-infinite-credit-card",
      "earningSource": "https://www.emiratesnbd.com/en/cards/credit-cards/skywards-infinite-credit-card",
      "imageOriginal": "https://www.emiratesnbd.com/-/media/enbd/images/products/cards/credit-cards/new-cards-images/skywards-infinite_card.png"
    },
    {
      "country": "AE",
      "id": "ae-enbd-skywards-signature",
      "issuer": "Emirates NBD",
      "name": "Skywards Signature",
      "currency": "AED",
      "fee": 735,
      "reward": "Skywards Miles",
      "rate": null,
      "earn": "0.75 Skywards Miles per USD 1 equivalent of eligible domestic spend; AED billing does not mean a rate per AED.",
      "url": "https://www.emiratesnbd.com/en/cards/credit-cards/skywards-signature-credit-card",
      "route": "Miles credit to the linked Emirates Skywards account.",
      "type": "Personal credit card",
      "mileageRoute": "Direct miles",
      "mileageEligible": true,
      "mileageSource": "https://www.emiratesnbd.com/en/cards/credit-cards/skywards-signature-credit-card",
      "status": "Listed by official issuer or airline; approval and current availability must be confirmed",
      "verified": true,
      "verifiedAt": "2026-10-16",
      "verificationScope": "Product and stated earning route checked against official sources. Unrecorded conditions remain unverified.",
      "calculatorDisabled": true,
      "firstYearFee": 1573.95,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": "public/assets/cards/ae-enbd-skywards-signature.png",
      "imageSource": "https://www.emiratesnbd.com/en/cards/credit-cards/skywards-signature-credit-card",
      "special": [],
      "partners": [
        "Emirates Skywards"
      ],
      "programIds": [
        "skywards"
      ],
      "eligibility": "Published minimum monthly salary AED 12,000; Emirates ID and issuer documents required.",
      "note": "International, EU/UK, special merchant and reduced-earning categories differ. Optional Express Miles costs extra and changes annual-fee treatment. Issuer page contains inconsistent Express Miles fee references; confirm before enrolling. First-year amount represents the published joining fee.",
      "feeSource": "https://www.emiratesnbd.com/en/cards/credit-cards/skywards-signature-credit-card",
      "earningSource": "https://www.emiratesnbd.com/en/cards/credit-cards/skywards-signature-credit-card",
      "imageOriginal": "https://www.emiratesnbd.com/-/media/enbd/images/products/cards/credit-cards/new-cards-images/skywards-signature_card.png"
    },
    {
      "country": "JP",
      "id": "jp-ana-visa",
      "issuer": "Sumitomo Mitsui Card",
      "name": "Standard ANA VISA",
      "currency": "JPY",
      "fee": 2200,
      "reward": "ANA transfer-eligible card points",
      "rate": 0.005,
      "earn": "1 point per JPY 200 eligible purchases; standard plan converts 1 point to 1 ANA mile.",
      "url": "https://www.ana.co.jp/en/jp/amc/anacard/ichiran/",
      "route": "Card-company points convert to ANA Mileage Club miles.",
      "type": "Personal credit card",
      "mileageRoute": "Bank points",
      "mileageEligible": true,
      "mileageSource": "https://www.ana.co.jp/en/jp/amc/anacard/ichiran/",
      "status": "Listed by official issuer or airline; approval and current availability must be confirmed",
      "verified": true,
      "verifiedAt": "2026-10-15",
      "verificationScope": "Product and stated earning route checked against official sources. Unrecorded conditions remain unverified.",
      "calculatorDisabled": true,
      "firstYearFee": 0,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": "public/assets/cards/jp-ana-visa.png",
      "imageSource": "https://www.ana.co.jp/en/jp/amc/anacard/ichiran/",
      "special": [],
      "partners": [
        "ANA Mileage Club"
      ],
      "programIds": [
        "ana"
      ],
      "eligibility": "Japan-issued product; confirm local address, account, age and income requirements with the issuing card company.",
      "note": "Optional double-mile plan has a JPY 6,600 annual redemption fee; not included in the standard-plan cost.",
      "rewardsAnnualFee": 0,
      "imageOriginal": "https://www.ana.co.jp/amc/anacard/ichiran/image/common/cards/card_01_260401.png"
    },
    {
      "country": "JP",
      "id": "jp-ana-mastercard",
      "issuer": "Sumitomo Mitsui Card",
      "name": "Standard ANA Mastercard",
      "currency": "JPY",
      "fee": 2200,
      "reward": "ANA transfer-eligible card points",
      "rate": 0.005,
      "earn": "1 point per JPY 200 eligible purchases; standard plan converts 1 point to 1 ANA mile.",
      "url": "https://www.ana.co.jp/en/jp/amc/anacard/ichiran/",
      "route": "Card-company points convert to ANA Mileage Club miles.",
      "type": "Personal credit card",
      "mileageRoute": "Bank points",
      "mileageEligible": true,
      "mileageSource": "https://www.ana.co.jp/en/jp/amc/anacard/ichiran/",
      "status": "Listed by official issuer or airline; approval and current availability must be confirmed",
      "verified": true,
      "verifiedAt": "2026-10-15",
      "verificationScope": "Product and stated earning route checked against official sources. Unrecorded conditions remain unverified.",
      "calculatorDisabled": true,
      "firstYearFee": 0,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": "public/assets/cards/jp-ana-mastercard.png",
      "imageSource": "https://www.ana.co.jp/en/jp/amc/anacard/ichiran/",
      "special": [],
      "partners": [
        "ANA Mileage Club"
      ],
      "programIds": [
        "ana"
      ],
      "eligibility": "Japan-issued product; confirm local address, account, age and income requirements with the issuing card company.",
      "note": "Optional double-mile plan has a JPY 6,600 annual redemption fee; not included in the standard-plan cost.",
      "rewardsAnnualFee": 0,
      "imageOriginal": "https://www.ana.co.jp/amc/anacard/ichiran/image/common/cards/card_02_260401.png"
    },
    {
      "country": "JP",
      "id": "jp-ana-jcb",
      "issuer": "JCB",
      "name": "Standard ANA JCB",
      "currency": "JPY",
      "fee": 2200,
      "reward": "ANA transfer-eligible card points",
      "rate": 0.005,
      "earn": "1 point per JPY 200 eligible purchases; standard plan converts 1 point to 1 ANA mile.",
      "url": "https://www.ana.co.jp/en/jp/amc/anacard/ichiran/",
      "route": "Card-company points convert to ANA Mileage Club miles.",
      "type": "Personal credit card",
      "mileageRoute": "Bank points",
      "mileageEligible": true,
      "mileageSource": "https://www.ana.co.jp/en/jp/amc/anacard/ichiran/",
      "status": "Listed by official issuer or airline; approval and current availability must be confirmed",
      "verified": true,
      "verifiedAt": "2026-10-15",
      "verificationScope": "Product and stated earning route checked against official sources. Unrecorded conditions remain unverified.",
      "calculatorDisabled": true,
      "firstYearFee": 0,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": "public/assets/cards/jp-ana-jcb.png",
      "imageSource": "https://www.ana.co.jp/en/jp/amc/anacard/ichiran/",
      "special": [],
      "partners": [
        "ANA Mileage Club"
      ],
      "programIds": [
        "ana"
      ],
      "eligibility": "Japan-issued product; confirm local address, account, age and income requirements with the issuing card company.",
      "note": "Optional double-mile plan has a JPY 5,500 annual redemption fee; not included in the standard-plan cost.",
      "rewardsAnnualFee": 0,
      "imageOriginal": "https://www.ana.co.jp/amc/anacard/ichiran/image/common/cards/card_03_230811.png"
    },
    {
      "country": "JP",
      "id": "jp-ana-amex",
      "issuer": "American Express",
      "name": "ANA American Express",
      "currency": "JPY",
      "fee": 7700,
      "reward": "ANA transfer-eligible card points",
      "rate": 0.01,
      "earn": "1 point per JPY 100 eligible purchases; 1 point to 1 ANA mile with the paid redemption plan.",
      "url": "https://www.ana.co.jp/en/jp/amc/anacard/ichiran/",
      "route": "Card-company points convert to ANA Mileage Club miles.",
      "type": "Personal credit card",
      "mileageRoute": "Bank points",
      "mileageEligible": true,
      "mileageSource": "https://www.ana.co.jp/en/jp/amc/anacard/ichiran/",
      "status": "Listed by official issuer or airline; approval and current availability must be confirmed",
      "verified": true,
      "verifiedAt": "2026-10-15",
      "verificationScope": "Product and stated earning route checked against official sources. Unrecorded conditions remain unverified.",
      "calculatorDisabled": true,
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": "public/assets/cards/jp-ana-amex.png",
      "imageSource": "https://www.ana.co.jp/en/jp/amc/anacard/ichiran/",
      "special": [],
      "partners": [
        "ANA Mileage Club"
      ],
      "programIds": [
        "ana"
      ],
      "eligibility": "Japan-issued product; confirm local address, account, age and income requirements with the issuing card company.",
      "note": "JPY 6,600 annual Point Redemption Plan is required for the mileage route and included in annual cost.",
      "rewardsAnnualFee": 6600,
      "imageOriginal": "https://www.ana.co.jp/amc/anacard/ichiran/image/common/cards/card_04_260902.png"
    },
    {
      "country": "IN",
      "id": "in-sbi-miles",
      "issuer": "SBI Card",
      "name": "MILES",
      "currency": "INR",
      "fee": 1499,
      "reward": "SBI Travel Credits",
      "rate": 0.005,
      "earn": "1 Travel Credit per INR 200 other eligible spending; 2 per INR 200 eligible travel.",
      "url": "https://www.sbicard.com/en/personal/credit-cards/sbi-card-miles.html",
      "route": "Travel Credits can convert to participating airline miles or hotel points. Partner ratios, minima and transfer timing must be checked separately.",
      "type": "Personal credit card",
      "mileageRoute": "Bank points",
      "mileageEligible": true,
      "mileageSource": "https://www.sbicard.com/en/personal/credit-cards/sbi-card-miles.html",
      "status": "Listed by official issuer or airline; approval and current availability must be confirmed",
      "verified": true,
      "verifiedAt": "2026-10-16",
      "verificationScope": "Product and stated earning route checked against official sources. Unrecorded conditions remain unverified.",
      "calculatorDisabled": true,
      "firstYearFee": 1499,
      "feeWaiver": "Renewal fee waived after INR 600,000 eligible spending in the preceding year, subject to issuer terms.",
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": null,
      "imageSource": null,
      "special": [],
      "partners": [],
      "programIds": [],
      "eligibility": "Local residency, identification, income and credit assessment requirements apply; confirm eligibility with the issuer.",
      "note": "Fees are quoted before applicable taxes. Fuel, rent, wallets, utilities, insurance, education and finance transactions include exclusions; consult the full schedule. Travel Credits are bank rewards and are not a cash balance.",
      "feeExcludesTax": true,
      "termsSource": "https://www.sbicard.com/sbi-card-en/assets/docs/pdf/tnc/sbi-card-miles-prime-tnc.pdf",
      "earningSource": "https://www.sbicard.com/sbi-card-en/assets/docs/pdf/tnc/sbi-card-miles-prime-tnc.pdf",
      "feeSource": "https://www.sbicard.com/en/most-important-terms-and-conditions.page"
    },
    {
      "country": "IN",
      "id": "in-sbi-miles-prime",
      "issuer": "SBI Card",
      "name": "MILES PRIME",
      "currency": "INR",
      "fee": 2999,
      "reward": "SBI Travel Credits",
      "rate": 0.01,
      "earn": "2 Travel Credits per INR 200 other eligible spending; 4 per INR 200 eligible travel.",
      "url": "https://www.sbicard.com/en/personal/credit-cards/sbi-card-miles-prime.html",
      "route": "Travel Credits can convert to participating airline miles or hotel points. Partner ratios, minima and transfer timing must be checked separately.",
      "type": "Personal credit card",
      "mileageRoute": "Bank points",
      "mileageEligible": true,
      "mileageSource": "https://www.sbicard.com/en/personal/credit-cards/sbi-card-miles-prime.html",
      "status": "Listed by official issuer or airline; approval and current availability must be confirmed",
      "verified": true,
      "verifiedAt": "2026-10-16",
      "verificationScope": "Product and stated earning route checked against official sources. Unrecorded conditions remain unverified.",
      "calculatorDisabled": true,
      "firstYearFee": 2999,
      "feeWaiver": "Renewal fee waived after INR 1,000,000 eligible spending in the preceding year, subject to issuer terms.",
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": null,
      "imageSource": null,
      "special": [],
      "partners": [],
      "programIds": [],
      "eligibility": "Local residency, identification, income and credit assessment requirements apply; confirm eligibility with the issuer.",
      "note": "Fees are quoted before applicable taxes. Fuel, rent, wallets, utilities, insurance, education and finance transactions include exclusions; consult the full schedule. Travel Credits are bank rewards and are not a cash balance.",
      "feeExcludesTax": true,
      "termsSource": "https://www.sbicard.com/sbi-card-en/assets/docs/pdf/tnc/sbi-card-miles-prime-tnc.pdf",
      "earningSource": "https://www.sbicard.com/sbi-card-en/assets/docs/pdf/tnc/sbi-card-miles-prime-tnc.pdf",
      "feeSource": "https://www.sbicard.com/en/most-important-terms-and-conditions.page"
    },
    {
      "country": "IN",
      "id": "in-sbi-miles-elite",
      "issuer": "SBI Card",
      "name": "MILES ELITE",
      "currency": "INR",
      "fee": 4999,
      "reward": "SBI Travel Credits",
      "rate": 0.01,
      "earn": "2 Travel Credits per INR 200 other eligible spending; 6 per INR 200 eligible travel.",
      "url": "https://www.sbicard.com/en/personal/credit-cards/sbi-card-miles-elite.html",
      "route": "Travel Credits can convert to participating airline miles or hotel points. Partner ratios, minima and transfer timing must be checked separately.",
      "type": "Personal credit card",
      "mileageRoute": "Bank points",
      "mileageEligible": true,
      "mileageSource": "https://www.sbicard.com/en/personal/credit-cards/sbi-card-miles-elite.html",
      "status": "Listed by official issuer or airline; approval and current availability must be confirmed",
      "verified": true,
      "verifiedAt": "2026-10-16",
      "verificationScope": "Product and stated earning route checked against official sources. Unrecorded conditions remain unverified.",
      "calculatorDisabled": true,
      "firstYearFee": 4999,
      "feeWaiver": "Renewal fee waived after INR 1,500,000 eligible spending in the preceding year, subject to issuer terms.",
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": null,
      "imageSource": null,
      "special": [],
      "partners": [],
      "programIds": [],
      "eligibility": "Local residency, identification, income and credit assessment requirements apply; confirm eligibility with the issuer.",
      "note": "Fees are quoted before applicable taxes. Fuel, rent, wallets, utilities, insurance, education and finance transactions include exclusions; consult the full schedule. Travel Credits are bank rewards and are not a cash balance.",
      "feeExcludesTax": true,
      "termsSource": "https://www.sbicard.com/sbi-card-en/assets/docs/pdf/tnc/sbi-card-miles-prime-tnc.pdf",
      "earningSource": "https://www.sbicard.com/sbi-card-en/assets/docs/pdf/tnc/sbi-card-miles-prime-tnc.pdf",
      "feeSource": "https://www.sbicard.com/en/most-important-terms-and-conditions.page"
    },
    {
      "country": "NZ",
      "id": "nz-anz-platinum",
      "issuer": "ANZ",
      "name": "Airpoints Visa Platinum",
      "currency": "NZD",
      "fee": 150,
      "reward": "Airpoints",
      "rate": 0.00909090909090909,
      "earn": "1 Airpoint per NZD 110 eligible spending.",
      "url": "https://www.anz.co.nz/personal/credit-cards/airpoints-visa-platinum/",
      "route": "Rewards accrue to the linked Air New Zealand loyalty account; Airpoints are distinct from airline mileage currencies.",
      "type": "Personal credit card",
      "mileageRoute": "Direct airline rewards",
      "mileageEligible": true,
      "mileageSource": "https://www.anz.co.nz/personal/credit-cards/airpoints-visa-platinum/",
      "status": "Listed by official issuer or airline; approval and current availability must be confirmed",
      "verified": true,
      "verifiedAt": "2026-10-16",
      "verificationScope": "Product and stated earning route checked against official sources. Unrecorded conditions remain unverified.",
      "calculatorDisabled": true,
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": "Fractions of Airpoints accrue and are credited; no whole-mile rounding rule inferred.",
      "pointsExpiry": "Non-expiry for nominated earners residing in New Zealand while the eligible card account remains open; standard programme expiry applies after loss of eligibility.",
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": "Monthly accrual credited after account billing-cycle end.",
      "image": "public/assets/cards/nz-anz-platinum.webp",
      "imageSource": "https://www.anz.co.nz/personal/credit-cards/airpoints-visa-platinum/",
      "special": [],
      "partners": [
        "Air New Zealand"
      ],
      "programIds": [
        "airpoints"
      ],
      "eligibility": "Local residency, identification, income and credit assessment requirements apply; confirm eligibility with the issuer.",
      "note": "April 2026 welcome guide verified. Airpoints are distinct reward units. Cash, transfers, fees, government charges, gambling and personal-card business expenditure excluded.",
      "feeSource": "https://www.anz.co.nz/personal/credit-cards/airpoints-visa-platinum/",
      "earningSource": "https://www.anz.co.nz/personal/credit-cards/airpoints-visa-platinum/",
      "termsSource": "https://www.anz.co.nz/content/dam/anzconz/documents/personal/credit-cards/airpoints-visa-welcome-guide.pdf",
      "imageOriginal": "https://assets.anz.co.nz/is/image/anznz/visa_airpoints_platinum-card"
    },
    {
      "country": "NZ",
      "id": "nz-amex",
      "issuer": "American Express",
      "name": "Airpoints Card",
      "currency": "NZD",
      "fee": 0,
      "reward": "Airpoints",
      "rate": 0.01,
      "earn": "1 Airpoint per NZD 100 eligible spending.",
      "url": "https://www.americanexpress.com/nz/credit-cards/no-annual-fee/",
      "route": "Rewards accrue to the linked Air New Zealand loyalty account; Airpoints are distinct from airline mileage currencies.",
      "type": "Personal credit card",
      "mileageRoute": "Direct airline rewards",
      "mileageEligible": true,
      "mileageSource": "https://www.americanexpress.com/nz/credit-cards/no-annual-fee/",
      "status": "Listed by official issuer or airline; approval and current availability must be confirmed",
      "verified": true,
      "verifiedAt": "2026-10-16",
      "verificationScope": "Product and stated earning route checked against official sources. Unrecorded conditions remain unverified.",
      "calculatorDisabled": true,
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": "public/assets/cards/nz-amex.png",
      "imageSource": "https://www.americanexpress.com/nz/credit-cards/no-annual-fee/",
      "special": [],
      "partners": [
        "Air New Zealand"
      ],
      "programIds": [
        "airpoints"
      ],
      "eligibility": "Local residency, identification, income and credit assessment requirements apply; confirm eligibility with the issuer.",
      "note": "Current issuer fees and earning denomination reconfirmed. Airpoints are distinct reward units. Platinum non-expiry must not be assumed for the no-annual-fee Airpoints Card.",
      "feeSource": "https://www.americanexpress.com/nz/credit-cards/no-annual-fee/",
      "earningSource": "https://www.americanexpress.com/nz/credit-cards/no-annual-fee/",
      "imageOriginal": "https://www.americanexpress.com/content/dam/amex/nz/credit-cards/all-cards/airpoints_dod_nz_480x304.png"
    },
    {
      "country": "NZ",
      "id": "nz-amex-platinum",
      "issuer": "American Express",
      "name": "Airpoints Platinum Card",
      "currency": "NZD",
      "fee": 195,
      "reward": "Airpoints",
      "rate": 0.014285714285714285,
      "earn": "1 Airpoint per NZD 70 eligible spending.",
      "url": "https://www.americanexpress.com/nz/credit-cards/airpoints-cards/airpoints-platinum-card/",
      "route": "Rewards accrue to the linked Air New Zealand loyalty account; Airpoints are distinct from airline mileage currencies.",
      "type": "Personal credit card",
      "mileageRoute": "Direct airline rewards",
      "mileageEligible": true,
      "mileageSource": "https://www.americanexpress.com/nz/credit-cards/airpoints-cards/airpoints-platinum-card/",
      "status": "Listed by official issuer or airline; approval and current availability must be confirmed",
      "verified": true,
      "verifiedAt": "2026-10-16",
      "verificationScope": "Product and stated earning route checked against official sources. Unrecorded conditions remain unverified.",
      "calculatorDisabled": true,
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": "No expiry while the card is current and the holder is the nominated earner / primary Card Member; Koru programme terms apply.",
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": "public/assets/cards/nz-amex-platinum.png",
      "imageSource": "https://www.americanexpress.com/nz/credit-cards/airpoints-cards/airpoints-platinum-card/",
      "special": [],
      "partners": [
        "Air New Zealand"
      ],
      "programIds": [
        "airpoints"
      ],
      "eligibility": "Local residency, identification, income and credit assessment requirements apply; confirm eligibility with the issuer.",
      "note": "Current issuer fees and earning denomination reconfirmed. Airpoints are distinct reward units. Platinum non-expiry must not be assumed for the no-annual-fee Airpoints Card.",
      "feeSource": "https://www.americanexpress.com/nz/credit-cards/airpoints-cards/airpoints-platinum-card/",
      "earningSource": "https://www.americanexpress.com/nz/credit-cards/airpoints-cards/airpoints-platinum-card/",
      "termsSource": "https://www.americanexpress.com/nz/credit-cards/airpoints-cards/airpoints-platinum-card/",
      "imageOriginal": "https://www.americanexpress.com/content/dam/amex/nz/home-page/cards/airpoints_plat_di_no_cm_480x304.png"
    },
    {
      "country": "TH",
      "id": "th-ktc-rop-infinite",
      "issuer": "KTC",
      "name": "Royal Orchid Plus Visa Infinite",
      "currency": "THB",
      "fee": 5350,
      "reward": "KTC ROP points",
      "rate": null,
      "earn": "Enhanced category earning is tiered; verify the detailed current KTC ROP earning schedule.",
      "url": "https://www.ktc.co.th/en/credit-card/invitation-card/ktc-royal-orchid-plus-visa-infinite",
      "route": "2 KTC ROP points convert to 1 Royal Orchid Plus mile.",
      "type": "Personal credit card",
      "mileageRoute": "Bank points",
      "mileageEligible": true,
      "mileageSource": "https://www.ktc.co.th/en/credit-card/invitation-card/ktc-royal-orchid-plus-visa-infinite",
      "status": "Listed by official issuer or airline; approval and current availability must be confirmed",
      "verified": true,
      "verifiedAt": "2026-10-16",
      "verificationScope": "Product and stated earning route checked against official sources. Unrecorded conditions remain unverified.",
      "calculatorDisabled": true,
      "firstYearFee": null,
      "feeWaiver": "Subsequent-year fee waiver after THB 600,000 combined primary and supplementary eligible spending.",
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": "public/assets/cards/th-ktc-rop-infinite.webp",
      "imageSource": "https://www.ktc.co.th/en/credit-card/invitation-card/ktc-royal-orchid-plus-visa-infinite",
      "special": [],
      "partners": [
        "Royal Orchid Plus"
      ],
      "programIds": [],
      "eligibility": "Local residency, identification, income and credit assessment requirements apply; confirm eligibility with the issuer.",
      "note": "Annual cost includes stated 7% VAT on THB 5,000. Invitation-category product; confirm availability. Enhanced earning has category, location and spending-tier conditions.",
      "transfers": [
        {
          "program": "Royal Orchid Plus",
          "points": 2,
          "miles": 1,
          "minimumPoints": null,
          "increment": null,
          "processing": null,
          "source": "https://www.ktc.co.th/en/credit-card/invitation-card/ktc-royal-orchid-plus-visa-infinite"
        }
      ],
      "imageOriginal": "https://www.ktc.co.th/upload/pub/media/sites/creditcard/img/new-cards/KTC-ROYAL-ORCHID-PLUS-VISA-INFINITE.webp"
    },
    {
      "country": "PH",
      "id": "ph-eastwest-krisflyer-platinum",
      "issuer": "EastWest",
      "name": "Singapore Airlines KrisFlyer Platinum Mastercard",
      "currency": "PHP",
      "fee": 4000,
      "reward": "KrisFlyer miles",
      "rate": null,
      "earn": "1 KrisFlyer mile per PHP 15 selected travel/cross-border purchases, PHP 45 other airlines/local e-commerce/dining, or PHP 88 local essential spending.",
      "url": "https://www.eastwestbanker.com/cards/creditcards/krisflyer-platinum-mastercard-2",
      "route": "Card rewards accrue as KrisFlyer miles under the local co-branded programme.",
      "type": "Personal credit card",
      "mileageRoute": "Direct miles",
      "mileageEligible": true,
      "mileageSource": "https://www.eastwestbanker.com/cards/creditcards/krisflyer-platinum-mastercard-2",
      "status": "Listed by official issuer or airline; approval and current availability must be confirmed",
      "verified": true,
      "verifiedAt": "2026-10-16",
      "verificationScope": "Product and stated earning route checked against official sources. Unrecorded conditions remain unverified.",
      "calculatorDisabled": true,
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": "public/assets/cards/ph-eastwest-krisflyer-platinum.png",
      "imageSource": "https://www.eastwestbanker.com/cards/creditcards/krisflyer-platinum-mastercard-2",
      "special": [],
      "partners": [
        "KrisFlyer"
      ],
      "programIds": [
        "krisflyer"
      ],
      "eligibility": "Local residency, identification, income and credit assessment requirements apply; confirm eligibility with the issuer.",
      "note": "Current issuer category schedule recorded. No universal numeric rate is inferred. Installment miles are based on posted monthly amortization. Confirm merchant definitions, exclusions and monthly crediting before relying on totals.",
      "feeSource": "https://www.eastwestbanker.com/cards/creditcards/krisflyer-platinum-mastercard-2",
      "earningSource": "https://www.eastwestbanker.com/cards/creditcards/krisflyer-platinum-mastercard-2",
      "imageOriginal": "https://www.eastwestbanker.com/sites/default/files/2024-11/platinum1.png"
    },
    {
      "country": "PH",
      "id": "ph-eastwest-krisflyer-world",
      "issuer": "EastWest",
      "name": "Singapore Airlines KrisFlyer World Mastercard",
      "currency": "PHP",
      "fee": 5000,
      "reward": "KrisFlyer miles",
      "rate": null,
      "earn": "1 KrisFlyer mile per PHP 12 selected travel/cross-border purchases, PHP 38 other airlines/local e-commerce/dining, or PHP 78 local essential spending.",
      "url": "https://www.eastwestbanker.com/cards/creditcards/krisflyer-world-mastercard",
      "route": "Card rewards accrue as KrisFlyer miles under the local co-branded programme.",
      "type": "Personal credit card",
      "mileageRoute": "Direct miles",
      "mileageEligible": true,
      "mileageSource": "https://www.eastwestbanker.com/cards/creditcards/krisflyer-world-mastercard",
      "status": "Listed by official issuer or airline; approval and current availability must be confirmed",
      "verified": true,
      "verifiedAt": "2026-10-16",
      "verificationScope": "Product and stated earning route checked against official sources. Unrecorded conditions remain unverified.",
      "calculatorDisabled": true,
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": "public/assets/cards/ph-eastwest-krisflyer-world.png",
      "imageSource": "https://www.eastwestbanker.com/cards/creditcards/krisflyer-world-mastercard",
      "special": [],
      "partners": [
        "KrisFlyer"
      ],
      "programIds": [
        "krisflyer"
      ],
      "eligibility": "Local residency, identification, income and credit assessment requirements apply; confirm eligibility with the issuer.",
      "note": "Current issuer category schedule recorded. No universal numeric rate is inferred. Installment miles are based on posted monthly amortization. Confirm merchant definitions, exclusions and monthly crediting before relying on totals.",
      "feeSource": "https://www.eastwestbanker.com/cards/creditcards/krisflyer-world-mastercard",
      "earningSource": "https://www.eastwestbanker.com/cards/creditcards/krisflyer-world-mastercard",
      "imageOriginal": "https://www.eastwestbanker.com/sites/default/files/2024-11/world2.png"
    },
    {
      "country": "PH",
      "id": "ph-bdo-diners-premiere",
      "issuer": "BDO",
      "name": "Diners Club Premiere",
      "currency": "PHP",
      "fee": 4500,
      "reward": "BDO Travel Miles",
      "rate": 0.03333333333333333,
      "earn": "1 Travel Mile per PHP 30 eligible purchases.",
      "url": "https://www.bdo.com.ph/personal/cards/credit-cards/diners-club/premiere",
      "route": "BDO Travel Miles can be redeemed for airline miles through the issuer catalogue.",
      "type": "Personal credit card",
      "mileageRoute": "Bank points",
      "mileageEligible": true,
      "mileageSource": "https://www.bdo.com.ph/personal/cards/credit-cards/diners-club/premiere",
      "status": "Listed by official issuer or airline; approval and current availability must be confirmed",
      "verified": true,
      "verifiedAt": "2026-10-16",
      "verificationScope": "Product and stated earning route checked against official sources. Unrecorded conditions remain unverified.",
      "calculatorDisabled": true,
      "firstYearFee": 0,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": null,
      "imageSource": null,
      "special": [],
      "partners": [],
      "programIds": [],
      "eligibility": "Local residency, identification, income and credit assessment requirements apply; confirm eligibility with the issuer.",
      "note": "BDO elite fee table revised September 2026: annual principal fee PHP 4,500; issuer product page waives first-year membership. Travel Miles are not airline miles until redeemed; partner ratios and expiry still require verification.",
      "feeSource": "https://www.aem.bdo.com.ph/content/dam/cbg/marketing-services/channels/cards/pdf-files/FC-ELITE.pdf",
      "earningSource": "https://www.bdo.com.ph/personal/cards/credit-cards/diners-club/premiere"
    },
    {
      "country": "TW",
      "id": "tw-ctbc-ana-infinite",
      "issuer": "CTBC",
      "name": "ANA Infinite",
      "currency": "TWD",
      "fee": 8000,
      "reward": "ANA mileage points",
      "rate": 0.05,
      "earn": "1 ANA mileage point per TWD 20 eligible general spending during the published 2026 schedule.",
      "url": "https://www.ctbcbank.com/content/dam/minisite/long/creditcard/ANA/p1.html",
      "route": "1 ANA mileage point converts to 1 ANA Mileage Club mile.",
      "type": "Personal credit card",
      "mileageRoute": "Bank points",
      "mileageEligible": true,
      "mileageSource": "https://www.ctbcbank.com/content/dam/minisite/long/creditcard/ANA/p1.html",
      "status": "Listed by official issuer or airline; approval and current availability must be confirmed",
      "verified": true,
      "verifiedAt": "2026-10-16",
      "verificationScope": "Product and stated earning route checked against official sources. Unrecorded conditions remain unverified.",
      "calculatorDisabled": true,
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": "public/assets/cards/tw-ctbc-ana-infinite.png",
      "imageSource": "https://www.ana.co.jp/en/jp/amc/anacard/ichiran/",
      "special": [],
      "partners": [
        "ANA Mileage Club"
      ],
      "programIds": [
        "ana"
      ],
      "eligibility": "Local residency, identification, income and credit assessment requirements apply; confirm eligibility with the issuer.",
      "note": "Published earning schedule applies 1 January–31 December 2026. Overseas physical purchases and designated foreign hotel platforms have distinct enhanced terms. Confirm exclusions, rounding, minimum transfers and local eligibility.",
      "earningSource": "https://www.ctbcbank.com/content/dam/minisite/long/creditcard/ANA/p2.html",
      "feeSource": "https://www.ctbcbank.com/content/dam/minisite/long/creditcard/Foreigners-service/p2.html",
      "imageOriginal": "https://www.ana.co.jp/amc/anacard/ichiran/image/common/cards/card_52.png"
    },
    {
      "country": "TW",
      "id": "tw-ctbc-ana-precious",
      "issuer": "CTBC",
      "name": "ANA Precious",
      "currency": "TWD",
      "fee": 2000,
      "reward": "ANA mileage points",
      "rate": 0.03333333333333333,
      "earn": "1 ANA mileage point per TWD 30 eligible general spending during the published 2026 schedule.",
      "url": "https://www.ctbcbank.com/content/dam/minisite/long/creditcard/ANA/p1.html",
      "route": "1 ANA mileage point converts to 1 ANA Mileage Club mile.",
      "type": "Personal credit card",
      "mileageRoute": "Bank points",
      "mileageEligible": true,
      "mileageSource": "https://www.ctbcbank.com/content/dam/minisite/long/creditcard/ANA/p1.html",
      "status": "Listed by official issuer or airline; approval and current availability must be confirmed",
      "verified": true,
      "verifiedAt": "2026-10-16",
      "verificationScope": "Product and stated earning route checked against official sources. Unrecorded conditions remain unverified.",
      "calculatorDisabled": true,
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": "public/assets/cards/tw-ctbc-ana-precious.png",
      "imageSource": "https://www.ana.co.jp/en/jp/amc/anacard/ichiran/",
      "special": [],
      "partners": [
        "ANA Mileage Club"
      ],
      "programIds": [
        "ana"
      ],
      "eligibility": "Local residency, identification, income and credit assessment requirements apply; confirm eligibility with the issuer.",
      "note": "Published earning schedule applies 1 January–31 December 2026. Overseas physical purchases and designated foreign hotel platforms have distinct enhanced terms. Confirm exclusions, rounding, minimum transfers and local eligibility.",
      "earningSource": "https://www.ctbcbank.com/content/dam/minisite/long/creditcard/ANA/p2.html",
      "feeSource": "https://www.ctbcbank.com/content/dam/minisite/long/creditcard/Foreigners-service/p2.html",
      "imageOriginal": "https://www.ana.co.jp/amc/anacard/ichiran/image/common/cards/card_20.png"
    },
    {
      "country": "VN",
      "id": "vn-hsbc-travelone",
      "issuer": "HSBC",
      "name": "TravelOne",
      "currency": "VND",
      "fee": 1650000,
      "reward": "HSBC Reward points",
      "rate": null,
      "earn": "Base earning is 1x; overseas spending 3x and domestic travel 2x under separate conditions. Exact VND-to-point base unit remains unverified.",
      "url": "https://www.hsbc.com.vn/en-vn/credit-cards/products/travelone/",
      "route": "Reward points convert to participating airline and hotel programmes in the HSBC Vietnam app.",
      "type": "Personal credit card",
      "mileageRoute": "Bank points",
      "mileageEligible": true,
      "mileageSource": "https://www.hsbc.com.vn/en-vn/credit-cards/products/travelone/",
      "status": "Listed by official issuer or airline; approval and current availability must be confirmed",
      "verified": true,
      "verifiedAt": "2026-10-16",
      "verificationScope": "Product and stated earning route checked against official sources. Unrecorded conditions remain unverified.",
      "calculatorDisabled": true,
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": "Fractional Reward Points rounded down to whole points.",
      "pointsExpiry": "Three years; expire at the end of the calendar month in the third year of earning. Cancellation forfeits remaining points.",
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": "Issuer promotes instant app redemption, but linked programme terms allow approximately five working days plus partner settlement. Do not assume guaranteed instant credit.",
      "image": "public/assets/cards/vn-hsbc-travelone.jpg",
      "imageSource": "https://www.hsbc.com.vn/en-vn/credit-cards/products/travelone/",
      "special": [],
      "partners": [
        "Cathay Asia Miles",
        "KrisFlyer",
        "Vietnam Airlines Lotusmiles",
        "AirAsia"
      ],
      "programIds": [
        "cathay",
        "krisflyer"
      ],
      "eligibility": "Age 21+, working/residing in listed Vietnamese provinces/cities. Salaried Vietnamese citizens: VND 15m monthly company-transferred income; self-employed Vietnamese, salaried foreigners or Vietnamese business owners: VND 40m. Foreign identification/residence documents require at least two months remaining.",
      "note": "Issuance and annual fees are listed separately at VND 1,650,000 each. Issuance-waiver campaign is conditional; no complete first-year total inferred. Instalments, fees, cash, e-wallets and specified purchases excluded. Numeric earn base and per-partner ratios remain unresolved.",
      "issueFee": 1650000,
      "income": 15000000,
      "termsSource": "https://www.hsbc.com.vn/content/dam/hsbc/hbvn/documents/en/credit-cards/tcs-hsbc-travelone-reward-programme-en.pdf",
      "imageOriginal": "https://www.hsbc.com.vn/content/dam/hsbc/en/images/hsbc-cards/16-9/9924-hsbc-travel-one-credit-vertical-cropped-hex-2000x1125.jpg"
    },
    {
      "id": "nl-amex-flyingblue-entry",
      "country": "NL",
      "issuer": "American Express",
      "name": "Flying Blue Entry",
      "currency": "EUR",
      "fee": 36,
      "reward": "Flying Blue miles",
      "rate": 0.5,
      "earn": "0.5 Flying Blue miles per EUR 1 eligible everyday spending.",
      "url": "https://www.americanexpress.com/nl-nl/creditcard/flying-blue-entry-card/",
      "mileageSource": "https://www.americanexpress.com/nl-nl/creditcard/flying-blue-entry-card/",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "type": "Personal charge card",
      "route": "Rewards accrue to the linked airline loyalty account under the local issuer rules.",
      "verified": true,
      "verifiedAt": "2026-10-16",
      "verificationScope": "Official product identity and recorded fee/earning facts checked. Unrecorded conditions remain unverified.",
      "status": "Listed by official issuer; confirm current application eligibility",
      "calculatorDisabled": true,
      "firstYearFee": 0,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": "One-time two-year extension when joining; purchases do not repeatedly extend the balance.",
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": "public/assets/cards/nl-amex-flyingblue-entry.png",
      "imageSource": "https://www.americanexpress.com/nl-nl/creditcard/flying-blue-entry-card/",
      "special": [],
      "partners": [
        "Flying Blue"
      ],
      "programIds": [
        "flyingblue"
      ],
      "eligibility": "Local residence, identification and issuer credit assessment apply. Confirm current requirements before applying.",
      "note": "Published monthly membership fee annualized: EUR 3 × 12. Balance must be paid in full monthly. Airline-category bonuses and XP are separate. Entry expiry extension is restricted; do not apply higher-tier expiry terms to Entry.",
      "termsSource": "https://www.americanexpress.com/nl/service/flying-blue-sparen/geldigheid-miles/",
      "imageOriginal": "https://icm.aexp-static.com/Internet/internationalcardshop/nl_nl/images/cards/flying-blue-entry-card.png"
    },
    {
      "id": "nl-amex-flyingblue-silver",
      "country": "NL",
      "issuer": "American Express",
      "name": "Flying Blue Silver",
      "currency": "EUR",
      "fee": 75,
      "reward": "Flying Blue miles",
      "rate": 0.8,
      "earn": "0.8 Flying Blue miles per EUR 1 eligible everyday spending.",
      "url": "https://www.americanexpress.com/nl-nl/creditcard/flying-blue-silver-card/",
      "mileageSource": "https://www.americanexpress.com/nl-nl/creditcard/flying-blue-silver-card/",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "type": "Personal charge card",
      "route": "Rewards accrue to the linked airline loyalty account under the local issuer rules.",
      "verified": true,
      "verifiedAt": "2026-10-16",
      "verificationScope": "Official product identity and recorded fee/earning facts checked. Unrecorded conditions remain unverified.",
      "status": "Listed by official issuer; confirm current application eligibility",
      "calculatorDisabled": true,
      "firstYearFee": 0,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": "Each qualifying card purchase extends the total Flying Blue miles balance by two years; transaction must appear on the statement before expiry.",
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": "public/assets/cards/nl-amex-flyingblue-silver.png",
      "imageSource": "https://www.americanexpress.com/nl-nl/creditcard/flying-blue-silver-card/",
      "special": [],
      "partners": [
        "Flying Blue"
      ],
      "programIds": [
        "flyingblue"
      ],
      "eligibility": "Local residence, identification and issuer credit assessment apply. Confirm current requirements before applying.",
      "note": "Published monthly membership fee annualized: EUR 6.25 × 12. Balance must be paid in full monthly. Airline-category bonuses and XP are separate. Entry expiry extension is restricted; do not apply higher-tier expiry terms to Entry.",
      "termsSource": "https://www.americanexpress.com/nl/service/flying-blue-sparen/geldigheid-miles/",
      "imageOriginal": "https://icm.aexp-static.com/Internet/internationalcardshop/nl_nl/images/cards/flying-blue-silver-card.png"
    },
    {
      "id": "nl-amex-flyingblue-gold",
      "country": "NL",
      "issuer": "American Express",
      "name": "Flying Blue Gold",
      "currency": "EUR",
      "fee": 198,
      "reward": "Flying Blue miles",
      "rate": 1,
      "earn": "1 Flying Blue miles per EUR 1 eligible everyday spending.",
      "url": "https://www.americanexpress.com/nl-nl/creditcard/flying-blue-gold-card/",
      "mileageSource": "https://www.americanexpress.com/nl-nl/creditcard/flying-blue-gold-card/",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "type": "Personal charge card",
      "route": "Rewards accrue to the linked airline loyalty account under the local issuer rules.",
      "verified": true,
      "verifiedAt": "2026-10-16",
      "verificationScope": "Official product identity and recorded fee/earning facts checked. Unrecorded conditions remain unverified.",
      "status": "Listed by official issuer; confirm current application eligibility",
      "calculatorDisabled": true,
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": "Each qualifying card purchase extends the total Flying Blue miles balance by two years; transaction must appear on the statement before expiry.",
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": "public/assets/cards/nl-amex-flyingblue-gold.png",
      "imageSource": "https://www.americanexpress.com/nl-nl/creditcard/flying-blue-gold-card/",
      "special": [],
      "partners": [
        "Flying Blue"
      ],
      "programIds": [
        "flyingblue"
      ],
      "eligibility": "Local residence, identification and issuer credit assessment apply. Confirm current requirements before applying.",
      "note": "Published monthly membership fee annualized: EUR 16.5 × 12. Balance must be paid in full monthly. Airline-category bonuses and XP are separate. Entry expiry extension is restricted; do not apply higher-tier expiry terms to Entry.",
      "termsSource": "https://www.americanexpress.com/nl/service/flying-blue-sparen/geldigheid-miles/",
      "imageOriginal": "https://icm.aexp-static.com/Internet/internationalcardshop/nl_nl/images/cards/flying-blue-gold-card.png"
    },
    {
      "id": "nl-amex-flyingblue-platinum",
      "country": "NL",
      "issuer": "American Express",
      "name": "Flying Blue Platinum",
      "currency": "EUR",
      "fee": 660,
      "reward": "Flying Blue miles",
      "rate": 1.5,
      "earn": "1.5 Flying Blue miles per EUR 1 eligible everyday spending.",
      "url": "https://www.americanexpress.com/nl-nl/creditcard/flying-blue-platinum-card/",
      "mileageSource": "https://www.americanexpress.com/nl-nl/creditcard/flying-blue-platinum-card/",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "type": "Personal charge card",
      "route": "Rewards accrue to the linked airline loyalty account under the local issuer rules.",
      "verified": true,
      "verifiedAt": "2026-10-16",
      "verificationScope": "Official product identity and recorded fee/earning facts checked. Unrecorded conditions remain unverified.",
      "status": "Listed by official issuer; confirm current application eligibility",
      "calculatorDisabled": true,
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": "Each qualifying card purchase extends the total Flying Blue miles balance by two years; transaction must appear on the statement before expiry.",
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": "public/assets/cards/nl-amex-flyingblue-platinum.png",
      "imageSource": "https://www.americanexpress.com/nl-nl/creditcard/flying-blue-platinum-card/",
      "special": [],
      "partners": [
        "Flying Blue"
      ],
      "programIds": [
        "flyingblue"
      ],
      "eligibility": "Local residence, identification and issuer credit assessment apply. Confirm current requirements before applying.",
      "note": "Published monthly membership fee annualized: EUR 55 × 12. Balance must be paid in full monthly. Airline-category bonuses and XP are separate. Entry expiry extension is restricted; do not apply higher-tier expiry terms to Entry.",
      "termsSource": "https://www.americanexpress.com/nl/service/flying-blue-sparen/geldigheid-miles/",
      "imageOriginal": "https://icm.aexp-static.com/Internet/internationalcardshop/nl_nl/images/cards/flying-blue-platinum-card.png"
    },
    {
      "id": "se-amex-sas-classic",
      "country": "SE",
      "issuer": "American Express",
      "name": "SAS Amex Classic",
      "currency": "SEK",
      "fee": 0,
      "reward": "EuroBonus Bonus points",
      "rate": 0.1,
      "earn": "10 EuroBonus Bonus points per SEK 100 eligible purchases.",
      "url": "https://www.americanexpress.com/se/kreditkort/sas-eurobonus-classic/",
      "mileageSource": "https://www.americanexpress.com/se/kreditkort/sas-eurobonus-classic/",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "type": "Personal credit card",
      "route": "Rewards accrue to the linked airline loyalty account under the local issuer rules.",
      "verified": true,
      "verifiedAt": "2026-10-16",
      "verificationScope": "Official product identity and recorded fee/earning facts checked. Unrecorded conditions remain unverified.",
      "status": "Listed by official issuer; confirm current application eligibility",
      "calculatorDisabled": true,
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": "Transferred to the SAS EuroBonus account once per month.",
      "image": "public/assets/cards/se-amex-sas-classic.png",
      "imageSource": "https://www.americanexpress.com/se/kreditkort/sas-eurobonus-classic/",
      "special": [],
      "partners": [
        "SAS EuroBonus"
      ],
      "programIds": [
        "eurobonus"
      ],
      "eligibility": "Local residence, identification and issuer credit assessment apply. Confirm current requirements before applying.",
      "note": "Currently published annual fee: SEK 0. Voucher spending and booking restrictions apply. Norwegian future fee changes do not establish Swedish pricing.",
      "feeSource": "https://www.americanexpress.com/content/dam/amex/se/documents/medlemsvillkor/kreditkort.pdf",
      "termsSource": "https://www.americanexpress.com/sv-se/formaner/upptack-formanerna/poang/",
      "imageOriginal": "https://icm.aexp-static.com/Internet/internationalcardshop/sv_se/images/cards/Sas_Classic_Revolve.png"
    },
    {
      "id": "se-amex-sas-premium",
      "country": "SE",
      "issuer": "American Express",
      "name": "SAS Amex Premium",
      "currency": "SEK",
      "fee": 1800,
      "reward": "EuroBonus Bonus points",
      "rate": 0.15,
      "earn": "15 EuroBonus Bonus points per SEK 100 eligible purchases.",
      "url": "https://www.americanexpress.com/se/kreditkort/sas-eurobonus-premium/",
      "mileageSource": "https://www.americanexpress.com/se/kreditkort/sas-eurobonus-premium/",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "type": "Personal credit card",
      "route": "Rewards accrue to the linked airline loyalty account under the local issuer rules.",
      "verified": true,
      "verifiedAt": "2026-10-16",
      "verificationScope": "Official product identity and recorded fee/earning facts checked. Unrecorded conditions remain unverified.",
      "status": "Listed by official issuer; confirm current application eligibility",
      "calculatorDisabled": true,
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": "Transferred to the SAS EuroBonus account once per month.",
      "image": "public/assets/cards/se-amex-sas-premium.png",
      "imageSource": "https://www.americanexpress.com/se/kreditkort/sas-eurobonus-premium/",
      "special": [],
      "partners": [
        "SAS EuroBonus"
      ],
      "programIds": [
        "eurobonus"
      ],
      "eligibility": "Local residence, identification and issuer credit assessment apply. Confirm current requirements before applying.",
      "note": "Annualized monthly fee: 150 × 12. Bonus points used for rewards differ from status points. Companion vouchers have spending, cabin and booking restrictions.",
      "feeSource": "https://www.americanexpress.com/content/dam/amex/se/documents/medlemsvillkor/kreditkort.pdf",
      "termsSource": "https://www.americanexpress.com/sv-se/formaner/upptack-formanerna/poang/",
      "imageOriginal": "https://icm.aexp-static.com/Internet/internationalcardshop/sv_se/images/cards/Sas_Premium_Revolve.png"
    },
    {
      "id": "se-amex-sas-elite",
      "country": "SE",
      "issuer": "American Express",
      "name": "SAS Amex Elite",
      "currency": "SEK",
      "fee": 6900,
      "reward": "EuroBonus Bonus points",
      "rate": 0.2,
      "earn": "20 EuroBonus Bonus points per SEK 100 eligible purchases.",
      "url": "https://www.americanexpress.com/se/kreditkort/sas-eurobonus-elite/",
      "mileageSource": "https://www.americanexpress.com/se/kreditkort/sas-eurobonus-elite/",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "type": "Personal credit card",
      "route": "Rewards accrue to the linked airline loyalty account under the local issuer rules.",
      "verified": true,
      "verifiedAt": "2026-10-16",
      "verificationScope": "Official product identity and recorded fee/earning facts checked. Unrecorded conditions remain unverified.",
      "status": "Listed by official issuer; confirm current application eligibility",
      "calculatorDisabled": true,
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": "Transferred to the SAS EuroBonus account once per month.",
      "image": "public/assets/cards/se-amex-sas-elite.png",
      "imageSource": "https://www.americanexpress.com/se/kreditkort/sas-eurobonus-elite/",
      "special": [],
      "partners": [
        "SAS EuroBonus"
      ],
      "programIds": [
        "eurobonus"
      ],
      "eligibility": "Local residence, identification and issuer credit assessment apply. Confirm current requirements before applying.",
      "note": "Annualized monthly fee: 575 × 12. Bonus points used for rewards differ from status points. Companion vouchers have spending, cabin and booking restrictions.",
      "feeSource": "https://www.americanexpress.com/content/dam/amex/se/documents/medlemsvillkor/kreditkort.pdf",
      "termsSource": "https://www.americanexpress.com/sv-se/formaner/upptack-formanerna/poang/",
      "imageOriginal": "https://icm.aexp-static.com/Internet/internationalcardshop/sv_se/images/cards/Sas_Elite_Revolve.png"
    },
    {
      "id": "no-amex-sas-classic",
      "country": "NO",
      "issuer": "American Express",
      "name": "SAS Amex Classic",
      "currency": "NOK",
      "fee": 0,
      "reward": "EuroBonus Bonus points",
      "rate": 0.1,
      "earn": "10 EuroBonus Bonus points per NOK 100 eligible purchases.",
      "url": "https://www.americanexpress.com/nb-no/kredittkort/sas-classic/",
      "mileageSource": "https://www.americanexpress.com/nb-no/kredittkort/sas-classic/",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "type": "Personal credit card",
      "route": "Rewards accrue to the linked airline loyalty account under the local issuer rules.",
      "verified": true,
      "verifiedAt": "2026-10-16",
      "verificationScope": "Official product identity and recorded fee/earning facts checked. Unrecorded conditions remain unverified.",
      "status": "Listed by official issuer; confirm current application eligibility",
      "calculatorDisabled": true,
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": "public/assets/cards/no-amex-sas-classic.png",
      "imageSource": "https://www.americanexpress.com/nb-no/kredittkort/sas-classic/",
      "special": [],
      "partners": [
        "SAS EuroBonus"
      ],
      "programIds": [
        "eurobonus"
      ],
      "eligibility": "Local residence, identification and issuer credit assessment apply. Confirm current requirements before applying.",
      "note": "Fee is the currently published fee as of 16 October 2026. SAS lists a change to 30 per month from 1 November 2026 in Norway; verify your local issuer notice before relying on future pricing. Voucher restrictions and expiry require a separate check.",
      "feeSource": "https://www.americanexpress.com/nb-no/kredittkort/sas-classic/",
      "imageOriginal": "https://icm.aexp-static.com/Internet/internationalcardshop/sv_se/images/cards/Sas_Classic_Revolve.png"
    },
    {
      "id": "no-amex-sas-premium",
      "country": "NO",
      "issuer": "American Express",
      "name": "SAS Amex Premium",
      "currency": "NOK",
      "fee": 1800,
      "reward": "EuroBonus Bonus points",
      "rate": 0.15,
      "earn": "15 EuroBonus Bonus points per NOK 100 eligible purchases.",
      "url": "https://www.americanexpress.com/nb-no/kredittkort/sas-premium/",
      "mileageSource": "https://www.americanexpress.com/nb-no/kredittkort/sas-premium/",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "type": "Personal credit card",
      "route": "Rewards accrue to the linked airline loyalty account under the local issuer rules.",
      "verified": true,
      "verifiedAt": "2026-10-16",
      "verificationScope": "Official product identity and recorded fee/earning facts checked. Unrecorded conditions remain unverified.",
      "status": "Listed by official issuer; confirm current application eligibility",
      "calculatorDisabled": true,
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": "public/assets/cards/no-amex-sas-premium.png",
      "imageSource": "https://www.americanexpress.com/nb-no/kredittkort/sas-premium/",
      "special": [],
      "partners": [
        "SAS EuroBonus"
      ],
      "programIds": [
        "eurobonus"
      ],
      "eligibility": "Local residence, identification and issuer credit assessment apply. Confirm current requirements before applying.",
      "note": "Annualized monthly fee: 150 × 12. Bonus points used for rewards differ from status points. Companion vouchers have spending, cabin and booking restrictions.",
      "feeSource": "https://www.americanexpress.com/nb-no/kredittkort/sas-premium/",
      "imageOriginal": "https://icm.aexp-static.com/Internet/internationalcardshop/sv_se/images/cards/Sas_Premium_Revolve.png"
    },
    {
      "id": "no-amex-sas-elite",
      "country": "NO",
      "issuer": "American Express",
      "name": "SAS Amex Elite",
      "currency": "NOK",
      "fee": 6900,
      "reward": "EuroBonus Bonus points",
      "rate": 0.2,
      "earn": "20 EuroBonus Bonus points per NOK 100 eligible purchases.",
      "url": "https://www.americanexpress.com/nb-no/kredittkort/sas-elite/",
      "mileageSource": "https://www.americanexpress.com/nb-no/kredittkort/sas-elite/",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "type": "Personal credit card",
      "route": "Rewards accrue to the linked airline loyalty account under the local issuer rules.",
      "verified": true,
      "verifiedAt": "2026-10-16",
      "verificationScope": "Official product identity and recorded fee/earning facts checked. Unrecorded conditions remain unverified.",
      "status": "Listed by official issuer; confirm current application eligibility",
      "calculatorDisabled": true,
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": "public/assets/cards/no-amex-sas-elite.png",
      "imageSource": "https://www.americanexpress.com/nb-no/kredittkort/sas-elite/",
      "special": [],
      "partners": [
        "SAS EuroBonus"
      ],
      "programIds": [
        "eurobonus"
      ],
      "eligibility": "Local residence, identification and issuer credit assessment apply. Confirm current requirements before applying.",
      "note": "Annualized monthly fee: 575 × 12. Bonus points used for rewards differ from status points. Companion vouchers have spending, cabin and booking restrictions.",
      "feeSource": "https://www.americanexpress.com/nb-no/kredittkort/sas-elite/",
      "imageOriginal": "https://icm.aexp-static.com/Internet/internationalcardshop/sv_se/images/cards/Sas_Elite_Revolve.png"
    },
    {
      "id": "dk-sas-standard",
      "country": "DK",
      "issuer": "SEB Kort",
      "name": "SAS EuroBonus Mastercard",
      "currency": "DKK",
      "fee": 415,
      "reward": "EuroBonus Bonus points",
      "rate": 0.1,
      "earn": "10 Bonus points per DKK 100 eligible DKK purchases.",
      "url": "https://saseurobonusmastercard.dk/kortene/mastercard/",
      "mileageSource": "https://saseurobonusmastercard.dk/kortene/mastercard/",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "type": "Personal credit card",
      "route": "Rewards accrue to the linked airline loyalty account under the local issuer rules.",
      "verified": true,
      "verifiedAt": "2026-10-16",
      "verificationScope": "Official product identity and recorded fee/earning facts checked. Unrecorded conditions remain unverified.",
      "status": "Listed by official issuer; confirm current application eligibility",
      "calculatorDisabled": true,
      "firstYearFee": 208,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": null,
      "imageSource": null,
      "special": [],
      "partners": [
        "SAS EuroBonus"
      ],
      "programIds": [
        "eurobonus"
      ],
      "eligibility": "Local residence, identification and issuer credit assessment apply. Confirm current requirements before applying.",
      "note": "Earning capped at DKK 200,000 annual card spending. Foreign-currency and SAS purchases have distinct earning rates."
    },
    {
      "id": "dk-sas-premium",
      "country": "DK",
      "issuer": "SEB Kort",
      "name": "SAS EuroBonus Mastercard Premium",
      "currency": "DKK",
      "fee": 2335,
      "reward": "EuroBonus Bonus points",
      "rate": 0.15,
      "earn": "15 Bonus points per DKK 100 eligible DKK purchases.",
      "url": "https://saseurobonusmastercard.dk/kortene/mastercard-premium/",
      "mileageSource": "https://saseurobonusmastercard.dk/kortene/mastercard-premium/",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "type": "Personal credit card",
      "route": "Rewards accrue to the linked airline loyalty account under the local issuer rules.",
      "verified": true,
      "verifiedAt": "2026-10-16",
      "verificationScope": "Official product identity and recorded fee/earning facts checked. Unrecorded conditions remain unverified.",
      "status": "Listed by official issuer; confirm current application eligibility",
      "calculatorDisabled": true,
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": null,
      "imageSource": null,
      "special": [],
      "partners": [
        "SAS EuroBonus"
      ],
      "programIds": [
        "eurobonus"
      ],
      "eligibility": "Local residence, identification and issuer credit assessment apply. Confirm current requirements before applying.",
      "note": "Different earning applies to foreign-currency and SAS ticket purchases. Reward points and monthly level points are separate."
    },
    {
      "id": "tr-garanti-miles-gold",
      "country": "TR",
      "issuer": "Garanti BBVA",
      "name": "Miles&Smiles Gold Mastercard",
      "currency": "TRY",
      "fee": 1465,
      "reward": "Miles&Smiles miles",
      "rate": null,
      "earn": "Earning varies by merchant category and qualifying assets or lending balances; a universal numeric rate is not verified.",
      "url": "https://www.garantibbva.com.tr/kartlar/miles-and-smiles",
      "mileageSource": "https://www.garantibbva.com.tr/kartlar/miles-and-smiles",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "type": "Personal credit card",
      "route": "Rewards accrue to the linked airline loyalty account under the local issuer rules.",
      "verified": true,
      "verifiedAt": "2026-10-16",
      "verificationScope": "Official product identity and recorded fee/earning facts checked. Unrecorded conditions remain unverified.",
      "status": "Listed by official issuer; confirm current application eligibility",
      "calculatorDisabled": true,
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": null,
      "imageSource": null,
      "special": [],
      "partners": [
        "Turkish Airlines Miles&Smiles"
      ],
      "programIds": [
        "milessmiles"
      ],
      "eligibility": "Local residence, identification and issuer credit assessment apply. Confirm current requirements before applying.",
      "note": "The Mastercard fee is recorded separately from optional/companion American Express pricing. Qualifying asset tiers affect earning. Confirm caps, product eligibility and the detailed local fee schedule."
    },
    {
      "id": "tr-garanti-miles-platinum",
      "country": "TR",
      "issuer": "Garanti BBVA",
      "name": "Miles&Smiles Platinum Mastercard",
      "currency": "TRY",
      "fee": 2136,
      "reward": "Miles&Smiles miles",
      "rate": null,
      "earn": "Earning varies by merchant category and qualifying assets or lending balances; a universal numeric rate is not verified.",
      "url": "https://www.garantibbva.com.tr/kartlar/miles-and-smiles",
      "mileageSource": "https://www.garantibbva.com.tr/kartlar/miles-and-smiles",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "type": "Personal credit card",
      "route": "Rewards accrue to the linked airline loyalty account under the local issuer rules.",
      "verified": true,
      "verifiedAt": "2026-10-16",
      "verificationScope": "Official product identity and recorded fee/earning facts checked. Unrecorded conditions remain unverified.",
      "status": "Listed by official issuer; confirm current application eligibility",
      "calculatorDisabled": true,
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": "public/assets/cards/tr-garanti-miles-platinum.png",
      "imageSource": "https://www.garantibbva.com.tr/kartlar/miles-and-smiles",
      "special": [],
      "partners": [
        "Turkish Airlines Miles&Smiles"
      ],
      "programIds": [
        "milessmiles"
      ],
      "eligibility": "Local residence, identification and issuer credit assessment apply. Confirm current requirements before applying.",
      "note": "The Mastercard fee is recorded separately from optional/companion American Express pricing. Qualifying asset tiers affect earning. Confirm caps, product eligibility and the detailed local fee schedule.",
      "imageOriginal": "https://www.garantibbva.com.tr/content/dam/public-website/kendim-icin/urun-sayfalar-banner/kartlar/kartlar-2026/MS_Platinum_MC_720x454px.png"
    },
    {
      "id": "tr-garanti-miles-prive",
      "country": "TR",
      "issuer": "Garanti BBVA",
      "name": "Miles&Smiles Privé Mastercard",
      "currency": "TRY",
      "fee": 2713,
      "reward": "Miles&Smiles miles",
      "rate": null,
      "earn": "Earning varies by merchant category and qualifying assets or lending balances; a universal numeric rate is not verified.",
      "url": "https://www.garantibbva.com.tr/kartlar/miles-and-smiles",
      "mileageSource": "https://www.garantibbva.com.tr/kartlar/miles-and-smiles",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "type": "Personal credit card",
      "route": "Rewards accrue to the linked airline loyalty account under the local issuer rules.",
      "verified": true,
      "verifiedAt": "2026-10-16",
      "verificationScope": "Official product identity and recorded fee/earning facts checked. Unrecorded conditions remain unverified.",
      "status": "Listed by official issuer; confirm current application eligibility",
      "calculatorDisabled": true,
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": null,
      "imageSource": null,
      "special": [],
      "partners": [
        "Turkish Airlines Miles&Smiles"
      ],
      "programIds": [
        "milessmiles"
      ],
      "eligibility": "Local residence, identification and issuer credit assessment apply. Confirm current requirements before applying.",
      "note": "The Mastercard fee is recorded separately from optional/companion American Express pricing. Qualifying asset tiers affect earning. Confirm caps, product eligibility and the detailed local fee schedule."
    },
    {
      "id": "tr-garanti-miles-diamond",
      "country": "TR",
      "issuer": "Garanti BBVA",
      "name": "Miles&Smiles Diamond Mastercard",
      "currency": "TRY",
      "fee": 19600,
      "reward": "Miles&Smiles miles",
      "rate": null,
      "earn": "Earning varies by merchant category and qualifying assets or lending balances; a universal numeric rate is not verified.",
      "url": "https://www.garantibbva.com.tr/kartlar/miles-and-smiles",
      "mileageSource": "https://www.garantibbva.com.tr/kartlar/miles-and-smiles",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "type": "Personal credit card",
      "route": "Rewards accrue to the linked airline loyalty account under the local issuer rules.",
      "verified": true,
      "verifiedAt": "2026-10-16",
      "verificationScope": "Official product identity and recorded fee/earning facts checked. Unrecorded conditions remain unverified.",
      "status": "Listed by official issuer; confirm current application eligibility",
      "calculatorDisabled": true,
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": null,
      "imageSource": null,
      "special": [],
      "partners": [
        "Turkish Airlines Miles&Smiles"
      ],
      "programIds": [
        "milessmiles"
      ],
      "eligibility": "Local residence, identification and issuer credit assessment apply. Confirm current requirements before applying.",
      "note": "The Mastercard fee is recorded separately from optional/companion American Express pricing. Qualifying asset tiers affect earning. Confirm caps, product eligibility and the detailed local fee schedule."
    },
    {
      "id": "za-nedbank-voyager-gold",
      "country": "ZA",
      "issuer": "Nedbank",
      "name": "SAA Voyager Gold",
      "currency": "ZAR",
      "fee": 1188,
      "reward": "Voyager miles",
      "rate": null,
      "earn": "Amex: 1 Voyager mile per ZAR 6.50 eligible spend; Mastercard: 1 per ZAR 11.50. SAA-flight extra earning is separate.",
      "url": "https://personal.nedbank.co.za/bank/credit-cards/saa-voyager/gold.html",
      "mileageSource": "https://personal.nedbank.co.za/bank/credit-cards/saa-voyager/gold.html",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "type": "Personal credit card",
      "route": "Rewards accrue to the linked airline loyalty account under the local issuer rules.",
      "verified": true,
      "verifiedAt": "2026-10-16",
      "verificationScope": "Official product identity and recorded fee/earning facts checked. Unrecorded conditions remain unverified.",
      "status": "Listed by official issuer; confirm current application eligibility",
      "calculatorDisabled": true,
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": null,
      "imageSource": null,
      "special": [],
      "partners": [
        "SAA Voyager"
      ],
      "programIds": [
        "voyager"
      ],
      "eligibility": "Over 18, living in South Africa, valid SA ID or passport/work permit, minimum gross monthly income ZAR 6,600 and credit assessment.",
      "note": "Ongoing cost includes ZAR 68 service plus ZAR 31 credit facility fee monthly, annualized over 12 months. One-time charges and optional services are additional. Different companion-card spending caps apply.",
      "termsSource": "https://personal.nedbank.co.za/legal/terms-and-conditions/saa-voyager-credit-card-t-and-c.html",
      "earningSource": "https://personal.nedbank.co.za/legal/terms-and-conditions/saa-voyager-credit-card-t-and-c.html",
      "income": 6600
    },
    {
      "id": "za-nedbank-voyager-premium",
      "country": "ZA",
      "issuer": "Nedbank",
      "name": "SAA Voyager Premium",
      "currency": "ZAR",
      "fee": 2748,
      "reward": "Voyager miles",
      "rate": null,
      "earn": "Terms clause 2.2 lists Amex 1 mile/ZAR 6 and Mastercard 1/ZAR 10.50, but clause 2.3 repeats 6.50/11.50. Confirm the current schedule before using a numeric rate.",
      "url": "https://personal.nedbank.co.za/bank/credit-cards/saa-voyager/premium.html",
      "mileageSource": "https://personal.nedbank.co.za/bank/credit-cards/saa-voyager/premium.html",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "type": "Personal credit card",
      "route": "Rewards accrue to the linked airline loyalty account under the local issuer rules.",
      "verified": true,
      "verifiedAt": "2026-10-16",
      "verificationScope": "Official product identity and recorded fee/earning facts checked. Unrecorded conditions remain unverified.",
      "status": "Listed by official issuer; confirm current application eligibility",
      "calculatorDisabled": true,
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": null,
      "imageSource": null,
      "special": [],
      "partners": [
        "SAA Voyager"
      ],
      "programIds": [
        "voyager"
      ],
      "eligibility": "Local residence, identification and issuer credit assessment apply. Confirm current requirements before applying.",
      "note": "Ongoing cost includes ZAR 193 service plus ZAR 36 credit facility fee monthly, annualized over 12 months. One-time charges and optional services are additional. Different companion-card spending caps apply. The official terms conflict internally on base earning; numeric rate remains null.",
      "termsSource": "https://personal.nedbank.co.za/legal/terms-and-conditions/saa-voyager-credit-card-t-and-c.html",
      "earningSource": "https://personal.nedbank.co.za/legal/terms-and-conditions/saa-voyager-credit-card-t-and-c.html"
    },
    {
      "id": "es-iberia-icon",
      "country": "ES",
      "issuer": "Iberia Cards",
      "name": "Iberia Icon",
      "currency": "EUR",
      "fee": 118.8,
      "reward": "Iberia Club Avios",
      "rate": 0.3333333333333333,
      "earn": "1 Avios per EUR 3 other eligible purchases.",
      "url": "https://www.iberiacards.es/tarjetas-personales/iberia-icon/",
      "mileageSource": "https://www.iberiacards.es/tarjetas-personales/iberia-icon/",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "type": "Personal credit card",
      "route": "Rewards accrue to the linked airline loyalty account under the local issuer rules.",
      "verified": true,
      "verifiedAt": "2026-10-16",
      "verificationScope": "Official product identity and recorded fee/earning facts checked. Unrecorded conditions remain unverified.",
      "status": "Listed by official issuer; confirm current application eligibility",
      "calculatorDisabled": true,
      "firstYearFee": 118.8,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": "public/assets/cards/es-iberia-icon.png",
      "imageSource": "https://www.iberiacards.es/tarjetas-personales/",
      "special": [],
      "partners": [
        "Iberia Club"
      ],
      "programIds": [
        "iberia"
      ],
      "eligibility": "Local residence, identification and issuer credit assessment apply. Confirm current requirements before applying.",
      "note": "Fee EUR 9.90 per month annualized. Iberia.com flight purchases and non-euro purchases earn 1 Avios per EUR 1; selected travel/partners earn 1 per EUR 2. Welcome offers and elite status are separate.",
      "imageOriginal": "https://www.iberiacards.es/tarjetas-personales/imgs/card_icon.png"
    },
    {
      "id": "br-bradesco-smiles-gold",
      "country": "BR",
      "issuer": "Bradesco",
      "name": "GOL Smiles Visa Gold",
      "currency": "BRL",
      "fee": null,
      "reward": "Smiles miles",
      "rate": null,
      "earn": "1.8 Smiles miles per USD 1 equivalent of eligible paid statement spending; 3 for qualifying Clube Smiles members.",
      "url": "https://banco.bradesco/smiles/",
      "mileageSource": "https://banco.bradesco/smiles/",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "type": "Personal credit card",
      "route": "Rewards accrue to the linked airline loyalty account under the local issuer rules.",
      "verified": true,
      "verifiedAt": "2026-10-16",
      "verificationScope": "Official product identity and recorded fee/earning facts checked. Unrecorded conditions remain unverified.",
      "status": "Listed by official issuer; confirm current application eligibility",
      "calculatorDisabled": true,
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": "Ordinary statement-earned miles valid from 36 months; acquisition, renewal and other bonuses follow separate Smiles rules.",
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": "Within 5 business days after confirmed proportional statement payment; bonuses separately.",
      "image": "public/assets/cards/br-bradesco-smiles-gold.png",
      "imageSource": "https://banco.bradesco/smiles/",
      "special": [],
      "partners": [
        "GOL Smiles"
      ],
      "programIds": [
        "smiles"
      ],
      "eligibility": "Local residence, identification and issuer credit assessment apply. Confirm current requirements before applying.",
      "note": "Billing is in BRL while the earn schedule is USD-equivalent, so no numeric rate per BRL is assigned. Clube Smiles is a separate membership with its own costs. Annual card fee and transaction rounding remain unverified.",
      "termsSource": "https://banco.bradesco/smiles/",
      "imageOriginal": "https://assets.bradesco/content/dam/portal-bradesco/smiles/img/visa/smiles-gold.png"
    },
    {
      "id": "br-bradesco-smiles-platinum",
      "country": "BR",
      "issuer": "Bradesco",
      "name": "GOL Smiles Visa Platinum",
      "currency": "BRL",
      "fee": null,
      "reward": "Smiles miles",
      "rate": null,
      "earn": "2.3 Smiles miles per USD 1 equivalent of eligible paid statement spending; 3.5 for qualifying Clube Smiles members.",
      "url": "https://banco.bradesco/smiles/",
      "mileageSource": "https://banco.bradesco/smiles/",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "type": "Personal credit card",
      "route": "Rewards accrue to the linked airline loyalty account under the local issuer rules.",
      "verified": true,
      "verifiedAt": "2026-10-16",
      "verificationScope": "Official product identity and recorded fee/earning facts checked. Unrecorded conditions remain unverified.",
      "status": "Listed by official issuer; confirm current application eligibility",
      "calculatorDisabled": true,
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": "Ordinary statement-earned miles valid from 36 months; acquisition, renewal and other bonuses follow separate Smiles rules.",
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": "Within 5 business days after confirmed proportional statement payment; bonuses separately.",
      "image": "public/assets/cards/br-bradesco-smiles-platinum.png",
      "imageSource": "https://banco.bradesco/smiles/",
      "special": [],
      "partners": [
        "GOL Smiles"
      ],
      "programIds": [
        "smiles"
      ],
      "eligibility": "Local residence, identification and issuer credit assessment apply. Confirm current requirements before applying.",
      "note": "Billing is in BRL while the earn schedule is USD-equivalent, so no numeric rate per BRL is assigned. Clube Smiles is a separate membership with its own costs. Annual card fee and transaction rounding remain unverified.",
      "termsSource": "https://banco.bradesco/smiles/",
      "imageOriginal": "https://assets.bradesco/content/dam/portal-bradesco/smiles/img/visa/smiles-platinum.png"
    },
    {
      "id": "br-bradesco-smiles-infinite",
      "country": "BR",
      "issuer": "Bradesco",
      "name": "GOL Smiles Visa Infinite",
      "currency": "BRL",
      "fee": null,
      "reward": "Smiles miles",
      "rate": null,
      "earn": "3 Smiles miles per USD 1 equivalent of eligible paid statement spending; 5.5 for qualifying Clube Smiles members.",
      "url": "https://banco.bradesco/smiles/",
      "mileageSource": "https://banco.bradesco/smiles/",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "type": "Personal credit card",
      "route": "Rewards accrue to the linked airline loyalty account under the local issuer rules.",
      "verified": true,
      "verifiedAt": "2026-10-16",
      "verificationScope": "Official product identity and recorded fee/earning facts checked. Unrecorded conditions remain unverified.",
      "status": "Listed by official issuer; confirm current application eligibility",
      "calculatorDisabled": true,
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": "Ordinary statement-earned miles do not expire under the card benefit; acquisition, renewal and other bonuses follow separate Smiles rules.",
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": "Within 5 business days after confirmed proportional statement payment; bonuses separately.",
      "image": "public/assets/cards/br-bradesco-smiles-infinite.png",
      "imageSource": "https://banco.bradesco/smiles/",
      "special": [],
      "partners": [
        "GOL Smiles"
      ],
      "programIds": [
        "smiles"
      ],
      "eligibility": "Local residence, identification and issuer credit assessment apply. Confirm current requirements before applying.",
      "note": "Billing is in BRL while the earn schedule is USD-equivalent, so no numeric rate per BRL is assigned. Clube Smiles is a separate membership with its own costs. Annual card fee and transaction rounding remain unverified.",
      "termsSource": "https://banco.bradesco/smiles/",
      "imageOriginal": "https://assets.bradesco/content/dam/portal-bradesco/smiles/img/visa/smiles-infinite.png"
    },
    {
      "id": "mx-amex-aeromexico-card",
      "country": "MX",
      "issuer": "American Express",
      "name": "Aeroméxico Card",
      "currency": "MXN",
      "fee": null,
      "reward": "Aeroméxico Rewards points",
      "rate": null,
      "earn": "1.6 Aeroméxico Rewards points per USD 1 equivalent eligible purchases; 2.4 on Aeroméxico purchases.",
      "url": "https://www.americanexpress.com/es-mx/tarjetas-de-servicio/tarjeta-aeromexico/",
      "mileageSource": "https://www.americanexpress.com/es-mx/tarjetas-de-servicio/tarjeta-aeromexico/",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "type": "Personal charge / service card",
      "route": "Rewards accrue to the linked airline loyalty account under the local issuer rules.",
      "verified": true,
      "verifiedAt": "2026-10-16",
      "verificationScope": "Official product identity and recorded fee/earning facts checked. Unrecorded conditions remain unverified.",
      "status": "Listed by official issuer; confirm current application eligibility",
      "calculatorDisabled": true,
      "firstYearFee": 0,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": "public/assets/cards/mx-amex-aeromexico-card.png",
      "imageSource": "https://www.americanexpress.com/es-mx/tarjetas-de-servicio/tarjeta-aeromexico/",
      "special": [],
      "partners": [
        "Aeroméxico Rewards"
      ],
      "programIds": [
        "aeromexico"
      ],
      "eligibility": "Local residence, identification and issuer credit assessment apply. Confirm current requirements before applying.",
      "note": "First-year annual fee waived. From year two: USD 160 plus VAT, billed in MXN over three months at the applicable conversion. Fixed MXN fee and numeric MXN earn rate remain unknown.",
      "income": 15000,
      "feeSource": "https://www.americanexpress.com/es-mx/tarjetas-de-servicio/tarjeta-aeromexico/",
      "imageOriginal": "https://icm.aexp-static.com/Internet/internationalcardshop/es_mx/images/cards/La_Tarjeta_American_Express_Aerom%C3%A9xico.png"
    },
    {
      "id": "mx-amex-aeromexico-gold",
      "country": "MX",
      "issuer": "American Express",
      "name": "Aeroméxico Gold",
      "currency": "MXN",
      "fee": null,
      "reward": "Aeroméxico Rewards points",
      "rate": null,
      "earn": "1.6 Aeroméxico Rewards points per USD 1 or MXN equivalent eligible purchases.",
      "url": "https://www.americanexpress.com/es-mx/tarjetas-de-servicio/aeromexico-gold-card/",
      "mileageSource": "https://www.americanexpress.com/es-mx/tarjetas-de-servicio/aeromexico-gold-card/",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "type": "Personal charge / service card",
      "route": "Rewards accrue to the linked airline loyalty account under the local issuer rules.",
      "verified": true,
      "verifiedAt": "2026-10-16",
      "verificationScope": "Official product identity and recorded fee/earning facts checked. Unrecorded conditions remain unverified.",
      "status": "Listed by official issuer; confirm current application eligibility",
      "calculatorDisabled": true,
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": "public/assets/cards/mx-amex-aeromexico-gold.png",
      "imageSource": "https://www.americanexpress.com/es-mx/tarjetas-de-servicio/aeromexico-gold-card/",
      "special": [],
      "partners": [
        "Aeroméxico Rewards"
      ],
      "programIds": [
        "aeromexico"
      ],
      "eligibility": "Local residence, identification and issuer credit assessment apply. Confirm current requirements before applying.",
      "note": "Annual fee is quoted as USD 450 plus VAT, charged in MXN at the applicable conversion; no fixed MXN amount is inferred. FX and airline-category earning differ.",
      "imageOriginal": "https://icm.aexp-static.com/Internet/internationalcardshop/es_mx/images/cards/The_Gold_Card_American_Express_Aerom%C3%A9xico.png"
    },
    {
      "id": "mx-amex-aeromexico-platinum",
      "country": "MX",
      "issuer": "American Express",
      "name": "Aeroméxico Platinum",
      "currency": "MXN",
      "fee": null,
      "reward": "Aeroméxico Rewards points",
      "rate": null,
      "earn": "1.6 Aeroméxico Rewards points per USD 1 or MXN equivalent eligible purchases.",
      "url": "https://www.americanexpress.com/es-mx/tarjetas-de-servicio/aeromexico-platinum-card/",
      "mileageSource": "https://www.americanexpress.com/es-mx/tarjetas-de-servicio/aeromexico-platinum-card/",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "type": "Personal charge / service card",
      "route": "Rewards accrue to the linked airline loyalty account under the local issuer rules.",
      "verified": true,
      "verifiedAt": "2026-10-16",
      "verificationScope": "Official product identity and recorded fee/earning facts checked. Unrecorded conditions remain unverified.",
      "status": "Listed by official issuer; confirm current application eligibility",
      "calculatorDisabled": true,
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": "public/assets/cards/mx-amex-aeromexico-platinum.png",
      "imageSource": "https://www.americanexpress.com/es-mx/tarjetas-de-servicio/aeromexico-platinum-card/",
      "special": [],
      "partners": [
        "Aeroméxico Rewards"
      ],
      "programIds": [
        "aeromexico"
      ],
      "eligibility": "Local residence, identification and issuer credit assessment apply. Confirm current requirements before applying.",
      "note": "Annual fee USD 1,300 plus VAT, billed in MXN over three months at the applicable conversion. Base 1.6 points per USD equivalent; 4.8 on Aeroméxico and 2.08 on eligible foreign-currency purchases. Fixed MXN annual total and rate remain unknown.",
      "income": 80000,
      "feeSource": "https://www.americanexpress.com/es-mx/tarjetas-de-servicio/aeromexico-platinum-card/",
      "imageOriginal": "https://icm.aexp-static.com/Internet/internationalcardshop/es_mx/images/cards/The_Platinum_Card_American_Express_Aerom%C3%A9xico.png"
    },
    {
      "id": "fi-aktia-finnair-light",
      "country": "FI",
      "issuer": "Aktia Bank",
      "name": "Finnair Visa Credit Light",
      "currency": "EUR",
      "fee": 0,
      "reward": "Finnair Plus Avios",
      "rate": 0.5,
      "earn": "1 Avios per EUR 2 eligible purchases.",
      "url": "https://www.finnair.com/fi-en/finnair-plus/finnair-visa-credit-card",
      "mileageSource": "https://www.finnair.com/fi-en/finnair-plus/finnair-visa-credit-card",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "type": "Personal credit card",
      "route": "Rewards accrue to the linked airline loyalty account under the local issuer rules.",
      "verified": true,
      "verifiedAt": "2026-10-16",
      "verificationScope": "Official product identity and recorded fee/earning facts checked. Unrecorded conditions remain unverified.",
      "status": "Listed by official issuer; confirm current application eligibility",
      "calculatorDisabled": true,
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": "Credited in the middle of the month following purchase.",
      "image": null,
      "imageSource": null,
      "special": [],
      "partners": [
        "Finnair Plus"
      ],
      "programIds": [
        "finnair"
      ],
      "eligibility": "Age 18+, Finnish social security number and permanent address in Finland; Finnair Plus account required. Existing Aktia account not required.",
      "note": "Monthly card fee annualized. EUR 4.50 account fee applies when interest-bearing debt or a payment-free month is used; optional paper billing can cost extra. Eligible earning is capped at the credit limit per billing period. Cash withdrawals, bills and transfers excluded. Older Swedish FAQ rates conflict with the current dedicated product page; current product-page schedule is recorded.",
      "feeSource": "https://www.finnair.com/fi-en/finnair-plus/finnair-visa-credit-card",
      "earningSource": "https://www.finnair.com/fi-en/finnair-plus/finnair-visa-credit-card"
    },
    {
      "id": "fi-aktia-finnair",
      "country": "FI",
      "issuer": "Aktia Bank",
      "name": "Finnair Visa Credit",
      "currency": "EUR",
      "fee": 72,
      "reward": "Finnair Plus Avios",
      "rate": 1,
      "earn": "Basic members: 1 Avios per EUR 1 eligible purchases; higher status tiers earn 1.2–1.8.",
      "url": "https://www.finnair.com/fi-en/finnair-plus/finnair-visa-credit-card",
      "mileageSource": "https://www.finnair.com/fi-en/finnair-plus/finnair-visa-credit-card",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "type": "Personal credit card",
      "route": "Rewards accrue to the linked airline loyalty account under the local issuer rules.",
      "verified": true,
      "verifiedAt": "2026-10-16",
      "verificationScope": "Official product identity and recorded fee/earning facts checked. Unrecorded conditions remain unverified.",
      "status": "Listed by official issuer; confirm current application eligibility",
      "calculatorDisabled": true,
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": "Credited in the middle of the month following purchase.",
      "image": null,
      "imageSource": null,
      "special": [],
      "partners": [
        "Finnair Plus"
      ],
      "programIds": [
        "finnair"
      ],
      "eligibility": "Age 18+, Finnish social security number and permanent address in Finland; Finnair Plus account required. Existing Aktia account not required.",
      "note": "Monthly card fee annualized. EUR 4.50 account fee applies when interest-bearing debt or a payment-free month is used; optional paper billing can cost extra. Eligible earning is capped at the credit limit per billing period. Cash withdrawals, bills and transfers excluded. Older Swedish FAQ rates conflict with the current dedicated product page; current product-page schedule is recorded.",
      "feeSource": "https://www.finnair.com/fi-en/finnair-plus/finnair-visa-credit-card",
      "earningSource": "https://www.finnair.com/fi-en/finnair-plus/finnair-visa-credit-card"
    },
    {
      "id": "qa-qnb-qatar-infinite",
      "country": "QA",
      "issuer": "QNB",
      "name": "Qatar Airways Visa Infinite First Plus",
      "currency": "QAR",
      "fee": 0,
      "reward": "Privilege Club Avios",
      "rate": 0.14285714285714285,
      "earn": "1 Avios per QAR 7 eligible purchases; government spend earns 1 per QAR 15.",
      "url": "https://www.qnb.com/sites/qnb/qnbqatar/page/en/encobrandedcreditcards.html",
      "mileageSource": "https://www.qnb.com/sites/qnb/qnbqatar/page/en/encobrandedcreditcards.html",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "type": "Personal credit card",
      "route": "Rewards accrue to the linked airline loyalty account under the local issuer rules.",
      "verified": true,
      "verifiedAt": "2026-10-16",
      "verificationScope": "Official product identity and recorded fee/earning facts checked. Unrecorded conditions remain unverified.",
      "status": "Listed by official issuer; confirm current application eligibility",
      "calculatorDisabled": true,
      "firstYearFee": null,
      "feeWaiver": "Issuer advertises annual fee waived for life, subject to account/card terms.",
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": null,
      "imageSource": null,
      "special": [],
      "partners": [
        "Qatar Airways Privilege Club"
      ],
      "programIds": [
        "qatar"
      ],
      "eligibility": "QNB First Plus: salary QAR 100,000/month or average daily balance QAR 2,000,000+.",
      "note": "No annual card fee under advertised waiver. Segment qualification and banking charges are separate. Platinum segment variants are kept in one product record, not counted as separate cards. The linked tariff includes legacy Mastercard labels; confirm current Visa application terms.",
      "feeSource": "https://www.qnb.com/sites/qnb/qnbqatar/page/en/encobrandedcreditcards.html",
      "earningSource": "https://www.qnb.com/sites/qnb/qnbqatar/page/en/encobrandedcreditcards.html"
    },
    {
      "id": "qa-qnb-qatar-signature",
      "country": "QA",
      "issuer": "QNB",
      "name": "Qatar Airways Visa Signature First",
      "currency": "QAR",
      "fee": 0,
      "reward": "Privilege Club Avios",
      "rate": 0.14285714285714285,
      "earn": "1 Avios per QAR 7 eligible purchases; government spend earns 1 per QAR 15.",
      "url": "https://www.qnb.com/sites/qnb/qnbqatar/page/en/encobrandedcreditcards.html",
      "mileageSource": "https://www.qnb.com/sites/qnb/qnbqatar/page/en/encobrandedcreditcards.html",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "type": "Personal credit card",
      "route": "Rewards accrue to the linked airline loyalty account under the local issuer rules.",
      "verified": true,
      "verifiedAt": "2026-10-16",
      "verificationScope": "Official product identity and recorded fee/earning facts checked. Unrecorded conditions remain unverified.",
      "status": "Listed by official issuer; confirm current application eligibility",
      "calculatorDisabled": true,
      "firstYearFee": null,
      "feeWaiver": "Issuer advertises annual fee waived for life, subject to account/card terms.",
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": null,
      "imageSource": null,
      "special": [],
      "partners": [
        "Qatar Airways Privilege Club"
      ],
      "programIds": [
        "qatar"
      ],
      "eligibility": "QNB First: salary QAR 35,000/month or average daily balance QAR 350,000+.",
      "note": "No annual card fee under advertised waiver. Segment qualification and banking charges are separate. Platinum segment variants are kept in one product record, not counted as separate cards. The linked tariff includes legacy Mastercard labels; confirm current Visa application terms.",
      "feeSource": "https://www.qnb.com/sites/qnb/qnbqatar/page/en/encobrandedcreditcards.html",
      "earningSource": "https://www.qnb.com/sites/qnb/qnbqatar/page/en/encobrandedcreditcards.html"
    },
    {
      "id": "qa-qnb-qatar-platinum",
      "country": "QA",
      "issuer": "QNB",
      "name": "Qatar Airways Visa Platinum",
      "currency": "QAR",
      "fee": 0,
      "reward": "Privilege Club Avios",
      "rate": null,
      "earn": "Select: 1 Avios per QAR 9; Essential: 1 per QAR 12. Government spend: 1 per QAR 15.",
      "url": "https://www.qnb.com/sites/qnb/qnbqatar/page/en/encobrandedcreditcards.html",
      "mileageSource": "https://www.qnb.com/sites/qnb/qnbqatar/page/en/encobrandedcreditcards.html",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "type": "Personal credit card",
      "route": "Rewards accrue to the linked airline loyalty account under the local issuer rules.",
      "verified": true,
      "verifiedAt": "2026-10-16",
      "verificationScope": "Official product identity and recorded fee/earning facts checked. Unrecorded conditions remain unverified.",
      "status": "Listed by official issuer; confirm current application eligibility",
      "calculatorDisabled": true,
      "firstYearFee": null,
      "feeWaiver": "Issuer advertises annual fee waived for life, subject to account/card terms.",
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": null,
      "imageSource": null,
      "special": [],
      "partners": [
        "Qatar Airways Privilege Club"
      ],
      "programIds": [
        "qatar"
      ],
      "eligibility": "QNB Essential/Select segment requirements apply. Issuer page has conflicting Platinum network labels; confirm the card offered.",
      "note": "No annual card fee under advertised waiver. Segment qualification and banking charges are separate. Platinum segment variants are kept in one product record, not counted as separate cards. The linked tariff includes legacy Mastercard labels; confirm current Visa application terms.",
      "feeSource": "https://www.qnb.com/sites/qnb/qnbqatar/page/en/encobrandedcreditcards.html",
      "earningSource": "https://www.qnb.com/sites/qnb/qnbqatar/page/en/encobrandedcreditcards.html"
    },
    {
      "id": "sa-alrajhi-alfursan-infinite",
      "country": "SA",
      "issuer": "Al Rajhi Bank",
      "name": "AlFursan Infinite",
      "currency": "SAR",
      "fee": 1000,
      "reward": "AlFursan Reward Miles",
      "rate": null,
      "earn": "Eligible local and international purchases earn AlFursan miles at tier-specific rates; confirm the applicable table.",
      "url": "https://www.alrajhibank.com/Personal/Cards/Miles-Card/AlFursan-infinite-credit-card",
      "mileageSource": "https://www.alrajhibank.com/Personal/Cards/Miles-Card/AlFursan-infinite-credit-card",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "type": "Personal credit card",
      "route": "Rewards accrue to the linked airline loyalty account under the local issuer rules.",
      "verified": true,
      "verifiedAt": "2026-10-16",
      "verificationScope": "Official product identity and recorded fee/earning facts checked. Unrecorded conditions remain unverified.",
      "status": "Listed by official issuer; confirm current application eligibility",
      "calculatorDisabled": true,
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": "Miles rounded down to whole units (example: 7.3 becomes 7).",
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": "public/assets/cards/sa-alrajhi-alfursan-infinite.png",
      "imageSource": "https://www.alrajhibank.com/Personal/Cards/Miles-Card/AlFursan-infinite-credit-card",
      "special": [],
      "partners": [
        "Saudia AlFursan"
      ],
      "programIds": [
        "alfursan"
      ],
      "eligibility": "Local residence, identification and issuer credit assessment apply. Confirm current requirements before applying.",
      "note": "Annual and issuance schedule excludes VAT. Infinite standard fee SAR 1,000; qualifying premium segments SAR 700. Issuance charges are listed separately and are not assumed included in first-year cost. Earning limited to available assigned credit per statement cycle. Do not infer table-column assignment from flattened PDF extraction.",
      "feeExcludesTax": true,
      "feeSource": "https://www.alrajhibank.com/-/media/Project/AlrajhiPWS/Shared/Home/Personal/Cards/Last/Fursan-Card-Arb---May-26.pdf",
      "termsSource": "https://www.alrajhibank.com/-/media/Project/AlrajhiPWS/Shared/Home/Personal/Cards/Last/Fursan-Card-Arb---May-26.pdf",
      "earningSource": "https://www.alrajhibank.com/-/media/Project/AlrajhiPWS/Shared/Home/Personal/Cards/Last/Fursan-Card-Arb---May-26.pdf",
      "imageOriginal": "https://www.alrajhibank.com/-/media/Project/AlRajhi/ARBRevamp/Home/Personal/Cards/Visa-Infinite/AlFursan-infinite-credit-card.png?h=636&iar=0&w=1007&hash=F5DE064F0C9C96639E29844256C2515F"
    },
    {
      "id": "sa-alrajhi-alfursan-platinum",
      "country": "SA",
      "issuer": "Al Rajhi Bank",
      "name": "AlFursan Platinum",
      "currency": "SAR",
      "fee": 490,
      "reward": "AlFursan Reward Miles",
      "rate": 0.23529411764705882,
      "earn": "1 AlFursan mile per SAR 4.25 eligible domestic purchases; 1 per SAR 3.50 international, and 1 per SAR 2.50 Saudia spending.",
      "url": "https://alrajhibank.com.sa/en/Personal/Cards/Miles-Card/AlFursan-Platinum-Credit-Card",
      "mileageSource": "https://alrajhibank.com.sa/en/Personal/Cards/Miles-Card/AlFursan-Platinum-Credit-Card",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "type": "Personal credit card",
      "route": "Rewards accrue to the linked airline loyalty account under the local issuer rules.",
      "verified": true,
      "verifiedAt": "2026-10-16",
      "verificationScope": "Official product identity and recorded fee/earning facts checked. Unrecorded conditions remain unverified.",
      "status": "Listed by official issuer; confirm current application eligibility",
      "calculatorDisabled": true,
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": "Miles rounded down to whole units (example: 7.3 becomes 7).",
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": "public/assets/cards/sa-alrajhi-alfursan-platinum.png",
      "imageSource": "https://alrajhibank.com.sa/en/Personal/Cards/Miles-Card/AlFursan-Platinum-Credit-Card",
      "special": [],
      "partners": [
        "Saudia AlFursan"
      ],
      "programIds": [
        "alfursan"
      ],
      "eligibility": "Local residence, identification and issuer credit assessment apply. Confirm current requirements before applying.",
      "note": "Annual and issuance fees SAR 490 each, excluding VAT. First-year combined charges remain unresolved. Earning limited to available assigned credit; merchant-category exclusions and reduced rates can apply.",
      "feeExcludesTax": true,
      "feeSource": "https://www.alrajhibank.com/-/media/Project/AlrajhiPWS/Shared/Home/Personal/Cards/Last/Fursan-Card-Arb---May-26.pdf",
      "termsSource": "https://www.alrajhibank.com/-/media/Project/AlrajhiPWS/Shared/Home/Personal/Cards/Last/Fursan-Card-Arb---May-26.pdf",
      "earningSource": "https://alrajhibank.com.sa/en/Personal/Cards/Miles-Card/AlFursan-Platinum-Credit-Card",
      "imageOriginal": "https://alrajhibank.com.sa/-/media/Project/AlRajhi/ARBRevamp/Home/Personal/Cards/Alfursan/AlFursan-Platinum-Credit-Card-2.png?h=636&iar=0&w=1006&hash=2C2AFC83A305E6F60DC33C07264245D2"
    },
    {
      "id": "sa-amex-alfursan",
      "country": "SA",
      "issuer": "American Express Saudi Arabia",
      "name": "AlFursan American Express",
      "currency": "SAR",
      "fee": 1078.12,
      "reward": "AlFursan Reward Miles",
      "rate": null,
      "earn": "1 mile per USD 1 equivalent (illustrated at SAR 3.75); double on eligible non-SAR/non-USD spending and saudia.com.",
      "url": "https://www.americanexpress.com.sa/content/alfursan-card",
      "mileageSource": "https://www.americanexpress.com.sa/content/alfursan-card",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "type": "Personal credit card",
      "route": "Rewards accrue to the linked airline loyalty account under the local issuer rules.",
      "verified": true,
      "verifiedAt": "2026-10-16",
      "verificationScope": "Official product identity and recorded fee/earning facts checked. Unrecorded conditions remain unverified.",
      "status": "Listed by official issuer; confirm current application eligibility",
      "calculatorDisabled": true,
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": "public/assets/cards/sa-amex-alfursan.png",
      "imageSource": "https://www.americanexpress.com.sa/content/alfursan-card",
      "special": [],
      "partners": [
        "Saudia AlFursan"
      ],
      "programIds": [
        "alfursan"
      ],
      "eligibility": "Local residence, identification and issuer credit assessment apply. Confirm current requirements before applying.",
      "note": "Issuer displays SAR 1,078.12 equivalent to USD 287.50 including VAT, using an estimated SAR 3.75/USD. No fixed local-currency earning rate is inferred. Welcome and annual spend bonuses excluded.",
      "income": 15000,
      "feeSource": "https://www.americanexpress.com.sa/content/alfursan-card",
      "earningSource": "https://www.americanexpress.com.sa/content/alfursan-card",
      "imageOriginal": "https://www.americanexpress.com.sa/sites/default/files/2024-10/alfursan-card.png"
    },
    {
      "id": "pt-millennium-tap-classic",
      "country": "PT",
      "issuer": "Millennium bcp",
      "name": "TAP Classic",
      "currency": "EUR",
      "fee": 41.6,
      "reward": "TAP Miles&Go Bonus Miles",
      "rate": 1,
      "earn": "1 Bonus Miles per EUR 1 eligible purchases; maximum 5,000 miles monthly.",
      "url": "https://cartoesdecredito.flytap.com/pt/cartoes-de-credito/classic/",
      "mileageSource": "https://cartoesdecredito.flytap.com/pt/cartoes-de-credito/classic/",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "type": "Personal credit card",
      "route": "Rewards accrue to the linked airline loyalty account under the local issuer rules.",
      "verified": true,
      "verifiedAt": "2026-10-16",
      "verificationScope": "Official product identity and recorded fee/earning facts checked. Unrecorded conditions remain unverified.",
      "status": "Listed by official issuer; confirm current application eligibility",
      "calculatorDisabled": true,
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": "Card-earned miles do not expire while making at least one purchase every month for 12 months, under issuer conditions.",
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": "public/assets/cards/pt-millennium-tap-classic.png",
      "imageSource": "https://cartoesdecredito.flytap.com/pt/cartoes-de-credito/classic/",
      "special": [],
      "partners": [
        "TAP Miles&Go"
      ],
      "programIds": [
        "tap"
      ],
      "eligibility": "TAP Miles&Go membership and a bank account in Portugal required; subject to issuer approval. Business card is for companies.",
      "note": "Published annual fee includes Portuguese stamp duty. Cash advances, government payments, tolls and specified payment channels are excluded. Bonus Miles and Status Miles are different. Business page repeats Platinum wording in its expiry paragraph; Business expiry is left unresolved.",
      "feeSource": "https://cartoesdecredito.flytap.com/pt/cartoes-de-credito/classic/",
      "earningSource": "https://cartoesdecredito.flytap.com/pt/cartoes-de-credito/classic/",
      "imageOriginal": "https://cartoesdecredito.flytap.com/fotos/cartoes/img_card_bg_141525f50befc2ee86.png"
    },
    {
      "id": "pt-millennium-tap-gold",
      "country": "PT",
      "issuer": "Millennium bcp",
      "name": "TAP Gold",
      "currency": "EUR",
      "fee": 83.2,
      "reward": "TAP Miles&Go Bonus Miles",
      "rate": 1.5,
      "earn": "1.5 Bonus Miles per EUR 1 eligible purchases; maximum 15,000 miles monthly.",
      "url": "https://cartoesdecredito.flytap.com/pt/cartoes-de-credito/gold/",
      "mileageSource": "https://cartoesdecredito.flytap.com/pt/cartoes-de-credito/gold/",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "type": "Personal credit card",
      "route": "Rewards accrue to the linked airline loyalty account under the local issuer rules.",
      "verified": true,
      "verifiedAt": "2026-10-16",
      "verificationScope": "Official product identity and recorded fee/earning facts checked. Unrecorded conditions remain unverified.",
      "status": "Listed by official issuer; confirm current application eligibility",
      "calculatorDisabled": true,
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": "Card-earned miles do not expire while making at least one purchase every month for 12 months, under issuer conditions.",
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": "public/assets/cards/pt-millennium-tap-gold.png",
      "imageSource": "https://cartoesdecredito.flytap.com/pt/cartoes-de-credito/gold/",
      "special": [],
      "partners": [
        "TAP Miles&Go"
      ],
      "programIds": [
        "tap"
      ],
      "eligibility": "TAP Miles&Go membership and a bank account in Portugal required; subject to issuer approval. Business card is for companies.",
      "note": "Published annual fee includes Portuguese stamp duty. Cash advances, government payments, tolls and specified payment channels are excluded. Bonus Miles and Status Miles are different. Business page repeats Platinum wording in its expiry paragraph; Business expiry is left unresolved.",
      "feeSource": "https://cartoesdecredito.flytap.com/pt/cartoes-de-credito/gold/",
      "earningSource": "https://cartoesdecredito.flytap.com/pt/cartoes-de-credito/gold/",
      "imageOriginal": "https://cartoesdecredito.flytap.com/fotos/cartoes/cartao_gold_detalhe_6916355155f7c3cc6ef7c5.png"
    },
    {
      "id": "pt-millennium-tap-platinum",
      "country": "PT",
      "issuer": "Millennium bcp",
      "name": "TAP Platinum",
      "currency": "EUR",
      "fee": 312,
      "reward": "TAP Miles&Go Bonus Miles",
      "rate": 2,
      "earn": "2 Bonus Miles per EUR 1 eligible purchases; maximum 75,000 miles monthly.",
      "url": "https://cartoesdecredito.flytap.com/pt/cartoes-de-credito/platinum/",
      "mileageSource": "https://cartoesdecredito.flytap.com/pt/cartoes-de-credito/platinum/",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "type": "Personal credit card",
      "route": "Rewards accrue to the linked airline loyalty account under the local issuer rules.",
      "verified": true,
      "verifiedAt": "2026-10-16",
      "verificationScope": "Official product identity and recorded fee/earning facts checked. Unrecorded conditions remain unverified.",
      "status": "Listed by official issuer; confirm current application eligibility",
      "calculatorDisabled": true,
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": "Card-earned miles do not expire while making at least one purchase every month for 12 months, under issuer conditions.",
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": "public/assets/cards/pt-millennium-tap-platinum.png",
      "imageSource": "https://cartoesdecredito.flytap.com/pt/cartoes-de-credito/platinum/",
      "special": [],
      "partners": [
        "TAP Miles&Go"
      ],
      "programIds": [
        "tap"
      ],
      "eligibility": "TAP Miles&Go membership and a bank account in Portugal required; subject to issuer approval. Business card is for companies.",
      "note": "Published annual fee includes Portuguese stamp duty. Cash advances, government payments, tolls and specified payment channels are excluded. Bonus Miles and Status Miles are different. Business page repeats Platinum wording in its expiry paragraph; Business expiry is left unresolved.",
      "feeSource": "https://cartoesdecredito.flytap.com/pt/cartoes-de-credito/platinum/",
      "earningSource": "https://cartoesdecredito.flytap.com/pt/cartoes-de-credito/platinum/",
      "imageOriginal": "https://cartoesdecredito.flytap.com/fotos/cartoes/cartao_platinum_detalhe_8088216565f7c3d8b3d7fb.png"
    },
    {
      "id": "pt-millennium-tap-business",
      "country": "PT",
      "issuer": "Millennium bcp",
      "name": "TAP Business",
      "currency": "EUR",
      "fee": 88.4,
      "reward": "TAP Miles&Go Bonus Miles",
      "rate": 1.5,
      "earn": "1.5 Bonus Miles per EUR 1 eligible purchases; maximum 15,000 miles monthly.",
      "url": "https://cartoesdecredito.flytap.com/pt/cartoes-de-credito/business/",
      "mileageSource": "https://cartoesdecredito.flytap.com/pt/cartoes-de-credito/business/",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "type": "Business credit card",
      "route": "Rewards accrue to the linked airline loyalty account under the local issuer rules.",
      "verified": true,
      "verifiedAt": "2026-10-16",
      "verificationScope": "Official product identity and recorded fee/earning facts checked. Unrecorded conditions remain unverified.",
      "status": "Listed by official issuer; confirm current application eligibility",
      "calculatorDisabled": true,
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": "public/assets/cards/pt-millennium-tap-business.png",
      "imageSource": "https://cartoesdecredito.flytap.com/pt/cartoes-de-credito/business/",
      "special": [],
      "partners": [
        "TAP Miles&Go"
      ],
      "programIds": [
        "tap"
      ],
      "eligibility": "TAP Miles&Go membership and a bank account in Portugal required; subject to issuer approval. Business card is for companies.",
      "note": "Published annual fee includes Portuguese stamp duty. Cash advances, government payments, tolls and specified payment channels are excluded. Bonus Miles and Status Miles are different. Business page repeats Platinum wording in its expiry paragraph; Business expiry is left unresolved.",
      "feeSource": "https://cartoesdecredito.flytap.com/pt/cartoes-de-credito/business/",
      "earningSource": "https://cartoesdecredito.flytap.com/pt/cartoes-de-credito/business/",
      "imageOriginal": "https://cartoesdecredito.flytap.com/fotos/cartoes/cartao_business_detalhe_4665391385f7c3f073bb45.png"
    },
    {
      "id": "ie-boi-aer",
      "country": "IE",
      "issuer": "Bank of Ireland",
      "name": "Aer Credit Card",
      "currency": "EUR",
      "fee": 108,
      "reward": "AerClub Avios",
      "rate": 0.25,
      "earn": "1 Avios per EUR 4 other eligible transactions; 1 per EUR 1 Aer Lingus products and services.",
      "url": "https://personalbanking.bankofireland.com/borrow/credit-cards/aer-credit-card/travel-rewards/",
      "mileageSource": "https://personalbanking.bankofireland.com/borrow/credit-cards/aer-credit-card/travel-rewards/",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "type": "Personal credit card",
      "route": "Rewards accrue to the linked airline loyalty account under the local issuer rules.",
      "verified": true,
      "verifiedAt": "2026-10-16",
      "verificationScope": "Official product identity and recorded fee/earning facts checked. Unrecorded conditions remain unverified.",
      "status": "Listed by official issuer; confirm current application eligibility",
      "calculatorDisabled": true,
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": "Qualifying spending is rounded down to the nearest euro under reward terms.",
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": "public/assets/cards/ie-boi-aer.png",
      "imageSource": "https://personalbanking.bankofireland.com/borrow/credit-cards/aer-credit-card/travel-rewards/",
      "special": [],
      "partners": [
        "AerClub"
      ],
      "programIds": [
        "aerclub"
      ],
      "eligibility": "Local residence, identification and issuer credit assessment apply. Confirm current requirements before applying.",
      "note": "Annual ongoing cost includes EUR 6.50 monthly account fee × 12 (EUR 78) plus EUR 30 government stamp duty. Excluded transactions and travel reward restrictions apply. Government duty can depend on account circumstances; do not treat airline fares as unrestricted free travel.",
      "feeSource": "https://personalbanking.bankofireland.com/borrow/credit-cards/aer-credit-card/fees/",
      "earningSource": "https://personalbanking.bankofireland.com/borrow/credit-cards/aer-credit-card/faqs/",
      "termsSource": "https://www.aerlingus.com/media/pdfs/aer-credit-card-reward-terms.pdf",
      "imageOriginal": "https://personalbanking.bankofireland.com/app/uploads/2005904-AerCard-rebrand_HiRes.png"
    },
    {
      "id": "om-bankmuscat-omanair",
      "country": "OM",
      "issuer": "Bank Muscat",
      "name": "Oman Air Visa Platinum",
      "currency": "OMR",
      "fee": 42,
      "reward": "Sindbad miles",
      "rate": 2,
      "earn": "2 Sindbad miles per OMR 1 eligible purchases.",
      "url": "https://www.bankmuscat.om/en/bm-cards/Pages/Oman-Air-Visa-Credit-Card.aspx",
      "mileageSource": "https://www.bankmuscat.om/en/bm-cards/Pages/Oman-Air-Visa-Credit-Card.aspx",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "type": "Personal credit card",
      "route": "Automatic credit to linked Sindbad account at a bank-designated frequency; account must be current and in good standing.",
      "verified": true,
      "verifiedAt": "2026-10-16",
      "verificationScope": "Official product identity and recorded fee/earning facts checked. Unrecorded conditions remain unverified.",
      "status": "Listed by official issuer; confirm current application eligibility",
      "calculatorDisabled": true,
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": "public/assets/cards/om-bankmuscat-omanair.png",
      "imageSource": "https://www.bankmuscat.om/en/bm-cards/Pages/Oman-Air-Visa-Credit-Card.aspx",
      "special": [],
      "partners": [
        "Oman Air Sindbad"
      ],
      "programIds": [
        "sindbad"
      ],
      "eligibility": "Omani national or resident with valid residence card/visa, age 18+, salary OMR 500 or qualifying deposit, approved employer and credit assessment.",
      "note": "Annual fee OMR 42 includes OMR 40 bank charge and OMR 2 VAT in the issuer tariff. A subscription charge is listed separately; first-year combined cost remains unresolved. Linked 2023 terms retain a legacy Gold label; confirm the current Platinum agreement.",
      "feeSource": "https://www.bankmuscat.om/en/about/Documents/Tariff%20Eng%20Book.pdf",
      "earningSource": "https://www.bankmuscat.om/en/bm-cards/Pages/Oman-Air-Visa-Credit-Card.aspx",
      "termsSource": "https://www.bankmuscat.om/en/bm-cards/Lists/Learn%20More%20Icons/Attachments/54/Credit_Card_TC.pdf",
      "income": 500,
      "imageOriginal": "https://www.bankmuscat.om/en/bm-cards/Lists/Cards%20Details%20Home/Attachments/13/15_Oman-Air_CC.png"
    },
    {
      "id": "kw-nbk-oasis-infinite",
      "country": "KW",
      "issuer": "National Bank of Kuwait",
      "name": "Kuwait Airways Oasis Club Visa Infinite",
      "currency": "KWD",
      "fee": 125,
      "reward": "Oasis Club miles",
      "rate": 3,
      "earn": "3 Oasis Club miles per KWD 1 local purchases; 4 per KWD 1 overseas purchases.",
      "url": "https://www.nbk.com/kuwait/personal/cards/credit-cards/NBK-Kuwait-Airways--Oasis-Club--Visa-Infinite-Credit-Card.html",
      "mileageSource": "https://www.nbk.com/kuwait/personal/cards/credit-cards/NBK-Kuwait-Airways--Oasis-Club--Visa-Infinite-Credit-Card.html",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "type": "Personal credit card",
      "route": "Rewards accrue to the linked airline loyalty account under the local issuer rules.",
      "verified": true,
      "verifiedAt": "2026-10-16",
      "verificationScope": "Official product identity and recorded fee/earning facts checked. Unrecorded conditions remain unverified.",
      "status": "Listed by official issuer; confirm current application eligibility",
      "calculatorDisabled": true,
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": "Three years from award under linked card terms; program exceptions require separate checking.",
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": "Within 14 days of transaction date.",
      "image": "public/assets/cards/kw-nbk-oasis-infinite.png",
      "imageSource": "https://www.nbk.com/kuwait/personal/cards/credit-cards/NBK-Kuwait-Airways--Oasis-Club--Visa-Infinite-Credit-Card.html",
      "special": [],
      "partners": [
        "Kuwait Airways Oasis Club"
      ],
      "programIds": [
        "oasis"
      ],
      "eligibility": "Age 21+, salary KWD 3000/month or qualifying deposit KWD 100000; issuer assessment.",
      "note": "Fee shown for full-payment variant: KWD 125 annually; flexible-payment variant KWD 100. Issuance is listed separately; first-year combined cost unresolved. Cash/financial transactions excluded.",
      "income": 3000,
      "feeSource": "https://www.nbk.com/kuwait/personal/cards/credit-cards/NBK-Kuwait-Airways--Oasis-Club--Visa-Infinite-Credit-Card.html",
      "earningSource": "https://www.nbk.com/dam/jcr:63784df6-54f7-448c-89e6-8d835ad5d51e/terms-and-conditions-for-nbk-kuwait-airways-oasis-club-visa-cards.pdf",
      "termsSource": "https://www.nbk.com/dam/jcr:63784df6-54f7-448c-89e6-8d835ad5d51e/terms-and-conditions-for-nbk-kuwait-airways-oasis-club-visa-cards.pdf",
      "imageOriginal": "http://www.nbk.com/dam/jcr:cb4eec7c-b8f5-476f-8225-9bb5e907647a/nbk-kuwait-airways-oasis-club-visa-infinite-listing-card-thumbnail.png"
    },
    {
      "id": "kw-nbk-oasis-signature",
      "country": "KW",
      "issuer": "National Bank of Kuwait",
      "name": "Kuwait Airways Oasis Club Visa Signature",
      "currency": "KWD",
      "fee": 75,
      "reward": "Oasis Club miles",
      "rate": 3,
      "earn": "3 Oasis Club miles per KWD 1 local purchases; 4 per KWD 1 overseas purchases.",
      "url": "https://www.nbk.com/kuwait/personal/cards/credit-cards/NBK-Kuwait-Airways--Oasis-Club--Visa-Signature-Credit-Card.html",
      "mileageSource": "https://www.nbk.com/kuwait/personal/cards/credit-cards/NBK-Kuwait-Airways--Oasis-Club--Visa-Signature-Credit-Card.html",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "type": "Personal credit card",
      "route": "Rewards accrue to the linked airline loyalty account under the local issuer rules.",
      "verified": true,
      "verifiedAt": "2026-10-16",
      "verificationScope": "Official product identity and recorded fee/earning facts checked. Unrecorded conditions remain unverified.",
      "status": "Listed by official issuer; confirm current application eligibility",
      "calculatorDisabled": true,
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": "Three years from award under linked card terms; program exceptions require separate checking.",
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": "Within 14 days of transaction date.",
      "image": "public/assets/cards/kw-nbk-oasis-signature.png",
      "imageSource": "https://www.nbk.com/kuwait/personal/cards/credit-cards/NBK-Kuwait-Airways--Oasis-Club--Visa-Signature-Credit-Card.html",
      "special": [],
      "partners": [
        "Kuwait Airways Oasis Club"
      ],
      "programIds": [
        "oasis"
      ],
      "eligibility": "Age 21+, salary KWD 600/month or qualifying deposit KWD 1500; issuer assessment.",
      "note": "Fee shown for full-payment variant: KWD 75 annually; flexible-payment variant KWD 5/month (KWD 60 annualized). Issuance is listed separately; first-year combined cost unresolved. Cash/financial transactions excluded.",
      "income": 600,
      "feeSource": "https://www.nbk.com/kuwait/personal/cards/credit-cards/NBK-Kuwait-Airways--Oasis-Club--Visa-Signature-Credit-Card.html",
      "earningSource": "https://www.nbk.com/dam/jcr:63784df6-54f7-448c-89e6-8d835ad5d51e/terms-and-conditions-for-nbk-kuwait-airways-oasis-club-visa-cards.pdf",
      "termsSource": "https://www.nbk.com/dam/jcr:63784df6-54f7-448c-89e6-8d835ad5d51e/terms-and-conditions-for-nbk-kuwait-airways-oasis-club-visa-cards.pdf",
      "imageOriginal": "http://www.nbk.com/dam/jcr:9ed69b0f-c29e-4f81-a8db-ae1e3dca6855/nbk-kuwait-airways-oasis-club-visa-signature-listing-card-thumbnail.png"
    },
    {
      "id": "kw-kfh-oasis-world",
      "country": "KW",
      "issuer": "Kuwait Finance House",
      "name": "Oasis Club Mastercard World",
      "currency": "KWD",
      "fee": 150,
      "reward": "Oasis Club miles",
      "rate": 3,
      "earn": "3 Oasis Club miles per KWD 1 domestic purchases; 4 per KWD 1 international purchases.",
      "url": "https://www.kfh.com/en/home/Personal/Cards/Mastercard-World-and-Elite/Oasis-Club-Mastercard-World/",
      "mileageSource": "https://www.kfh.com/en/home/Personal/Cards/Mastercard-World-and-Elite/Oasis-Club-Mastercard-World/",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "type": "Personal credit card",
      "route": "Rewards accrue to the linked airline loyalty account under the local issuer rules.",
      "verified": true,
      "verifiedAt": "2026-10-16",
      "verificationScope": "Official product identity and recorded fee/earning facts checked. Unrecorded conditions remain unverified.",
      "status": "Listed by official issuer; confirm current application eligibility",
      "calculatorDisabled": true,
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": null,
      "imageSource": null,
      "special": [],
      "partners": [
        "Kuwait Airways Oasis Club"
      ],
      "programIds": [
        "oasis"
      ],
      "eligibility": "Local residence, identification and issuer credit assessment apply. Confirm current requirements before applying.",
      "note": "Annual fee KWD 150. Card limit KWD 1,000–20,000. Activation tier miles differ from redeemable miles. Rounding, expiry and first-year charges need confirmation.",
      "feeSource": "https://www.kfh.com/en/home/Personal/Cards/Mastercard-World-and-Elite/Oasis-Club-Mastercard-World/",
      "earningSource": "https://www.kfh.com/en/home/Personal/Cards/Mastercard-World-and-Elite/Oasis-Club-Mastercard-World/"
    },
    {
      "id": "lk-ntb-srilankan-platinum",
      "country": "LK",
      "issuer": "Nations Trust Bank",
      "name": "SriLankan Airlines Platinum American Express",
      "currency": "LKR",
      "fee": null,
      "reward": "FlySmiLes Redemption Miles",
      "rate": 0.005,
      "earn": "1 FlySmiLes mile per LKR 200 other purchases; 1 per LKR 300 fuel/supermarket purchases.",
      "url": "https://www.americanexpress.lk/en/personal/the-sri-lankan-airlines-platinum-american-express-card",
      "mileageSource": "https://www.americanexpress.lk/en/personal/the-sri-lankan-airlines-platinum-american-express-card",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "type": "Personal credit card",
      "route": "Rewards accrue to the linked airline loyalty account under the local issuer rules.",
      "verified": true,
      "verifiedAt": "2026-10-16",
      "verificationScope": "Official product identity and recorded fee/earning facts checked. Unrecorded conditions remain unverified.",
      "status": "Listed by official issuer; confirm current application eligibility",
      "calculatorDisabled": true,
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": "public/assets/cards/lk-ntb-srilankan-platinum.png",
      "imageSource": "https://www.americanexpress.lk/en/personal/the-sri-lankan-airlines-platinum-american-express-card",
      "special": [],
      "partners": [
        "SriLankan Airlines FlySmiLes"
      ],
      "programIds": [
        "flysmiles"
      ],
      "eligibility": "Age 18+, identification, income and address documents; issuer credit approval.",
      "note": "Cash advances and utilities do not earn. Annual/joining fee amounts remain unverified. The issuer page contains comparison tabs for several cards: the generic Platinum fee must not be assigned to this airline co-brand.",
      "earningSource": "https://www.americanexpress.lk/en/personal/the-sri-lankan-airlines-platinum-american-express-card",
      "termsSource": "https://www.americanexpress.lk/images/useful-documents/sla-platinum/kfd-english.pdf",
      "imageOriginal": "https://www.americanexpress.lk/images/personal-cards/srilankan-airlines-card.png"
    },
    {
      "id": "at-erste-premiumcard",
      "country": "AT",
      "issuer": "Erste Bank und Sparkasse",
      "name": "Austrian Miles & More Premiumcard",
      "currency": "EUR",
      "fee": 237.6,
      "reward": "Miles & More award miles",
      "rate": 0.6666666666666666,
      "earn": "1 award mile per EUR 1.50 eligible card spending.",
      "url": "https://www.miles-and-more.com/at/de/earn/austria-mastercard-credit-cards-erste-bank/partner/finance/austrian-miles-and-more-world-mastercard/earn/basic-offer/austrian_miles_and_more_earn_basic_erstebank_sparkasse.html",
      "mileageSource": "https://www.miles-and-more.com/at/de/earn/austria-mastercard-credit-cards-erste-bank/partner/finance/austrian-miles-and-more-world-mastercard/earn/basic-offer/austrian_miles_and_more_earn_basic_erstebank_sparkasse.html",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "type": "Personal credit card",
      "route": "Rewards accrue to the linked airline loyalty account under the local issuer rules.",
      "verified": true,
      "verifiedAt": "2026-10-16",
      "verificationScope": "Official product identity and recorded fee/earning facts checked. Unrecorded conditions remain unverified.",
      "status": "Listed by official issuer; confirm current application eligibility",
      "calculatorDisabled": true,
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": "Issuer advertises suspension of mileage expiry while eligible card conditions are met; confirm full protection conditions.",
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": "public/assets/cards/at-erste-premiumcard.png",
      "imageSource": "https://www.miles-and-more.com/at/de/earn/austria-mastercard-credit-cards-erste-bank/partner/finance/austrian-miles-and-more-world-mastercard/earn/basic-offer/austrian_miles_and_more_earn_basic_erstebank_sparkasse.html",
      "special": [],
      "partners": [
        "Miles & More"
      ],
      "programIds": [
        "milesmore"
      ],
      "eligibility": "Local residence, identification and issuer credit assessment apply. Confirm current requirements before applying.",
      "note": "Published monthly fee annualized over 12 months: EUR 19.80. New Erste/Sparkasse products available since 29 December 2025. Former card complete cards no longer provide Miles & More/Austrian benefits from 1 January 2026. Earning exclusions, rounding and eligibility still require full terms review.",
      "feeSource": "https://www.austrianairlines.ag/en/2025/12/18/product-details-on-the-new-partnership-between-austrian-and-miles-more-with-erste-bank-and-sparkasse/",
      "earningSource": "https://www.austrianairlines.ag/en/2025/12/18/product-details-on-the-new-partnership-between-austrian-and-miles-more-with-erste-bank-and-sparkasse/",
      "imageOriginal": "https://www.miles-and-more.com/content/dam/mmg/touchpoint/web/tableimages/mam-aua-kreditkarte-mastercard-premiumcard-202x128.png"
    },
    {
      "id": "at-erste-business-premiumcard",
      "country": "AT",
      "issuer": "Erste Bank und Sparkasse",
      "name": "Austrian Miles & More Business Premiumcard",
      "currency": "EUR",
      "fee": 237.6,
      "reward": "Miles & More award miles",
      "rate": 1,
      "earn": "1 award mile per EUR 1 eligible card spending.",
      "url": "https://www.miles-and-more.com/at/de/earn/austria-mastercard-credit-cards-erste-bank/partner/finance/austrian-miles-and-more-world-mastercard/earn/basic-offer/austrian_miles_and_more_earn_basic_erstebank_sparkasse.html",
      "mileageSource": "https://www.miles-and-more.com/at/de/earn/austria-mastercard-credit-cards-erste-bank/partner/finance/austrian-miles-and-more-world-mastercard/earn/basic-offer/austrian_miles_and_more_earn_basic_erstebank_sparkasse.html",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "type": "Business credit card",
      "route": "Rewards accrue to the linked airline loyalty account under the local issuer rules.",
      "verified": true,
      "verifiedAt": "2026-10-16",
      "verificationScope": "Official product identity and recorded fee/earning facts checked. Unrecorded conditions remain unverified.",
      "status": "Listed by official issuer; confirm current application eligibility",
      "calculatorDisabled": true,
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": "Issuer advertises suspension of mileage expiry while eligible card conditions are met; confirm full protection conditions.",
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": "public/assets/cards/at-erste-business-premiumcard.png",
      "imageSource": "https://www.miles-and-more.com/at/de/earn/austria-mastercard-credit-cards-erste-bank/partner/finance/austrian-miles-and-more-world-mastercard/earn/basic-offer/austrian_miles_and_more_earn_basic_erstebank_sparkasse.html",
      "special": [],
      "partners": [
        "Miles & More"
      ],
      "programIds": [
        "milesmore"
      ],
      "eligibility": "Local residence, identification and issuer credit assessment apply. Confirm current requirements before applying.",
      "note": "Published monthly fee annualized over 12 months: EUR 19.80. New Erste/Sparkasse products available since 29 December 2025. Former card complete cards no longer provide Miles & More/Austrian benefits from 1 January 2026. Earning exclusions, rounding and eligibility still require full terms review.",
      "feeSource": "https://www.austrianairlines.ag/en/2025/12/18/product-details-on-the-new-partnership-between-austrian-and-miles-more-with-erste-bank-and-sparkasse/",
      "earningSource": "https://www.austrianairlines.ag/en/2025/12/18/product-details-on-the-new-partnership-between-austrian-and-miles-more-with-erste-bank-and-sparkasse/",
      "imageOriginal": "https://www.miles-and-more.com/content/dam/mmg/touchpoint/web/tableimages/mam-aua-kreditkarte-mastercard-business-premiumcard-202x128.png"
    },
    {
      "id": "at-erste-business-smartcard",
      "country": "AT",
      "issuer": "Erste Bank und Sparkasse",
      "name": "Austrian Miles & More Business Smartcard",
      "currency": "EUR",
      "fee": 90,
      "reward": "Miles & More award miles",
      "rate": 0.5,
      "earn": "1 award mile per EUR 2 eligible card spending.",
      "url": "https://www.miles-and-more.com/at/de/earn/austria-mastercard-credit-cards-erste-bank/partner/finance/austrian-miles-and-more-world-mastercard/earn/basic-offer/austrian_miles_and_more_earn_basic_erstebank_sparkasse.html",
      "mileageSource": "https://www.miles-and-more.com/at/de/earn/austria-mastercard-credit-cards-erste-bank/partner/finance/austrian-miles-and-more-world-mastercard/earn/basic-offer/austrian_miles_and_more_earn_basic_erstebank_sparkasse.html",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "type": "Business credit card",
      "route": "Rewards accrue to the linked airline loyalty account under the local issuer rules.",
      "verified": true,
      "verifiedAt": "2026-10-16",
      "verificationScope": "Official product identity and recorded fee/earning facts checked. Unrecorded conditions remain unverified.",
      "status": "Listed by official issuer; confirm current application eligibility",
      "calculatorDisabled": true,
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": "Issuer advertises suspension of mileage expiry while eligible card conditions are met; confirm full protection conditions.",
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": "public/assets/cards/at-erste-business-smartcard.png",
      "imageSource": "https://www.miles-and-more.com/at/de/earn/austria-mastercard-credit-cards-erste-bank/partner/finance/austrian-miles-and-more-world-mastercard/earn/basic-offer/austrian_miles_and_more_earn_basic_erstebank_sparkasse.html",
      "special": [],
      "partners": [
        "Miles & More"
      ],
      "programIds": [
        "milesmore"
      ],
      "eligibility": "Local residence, identification and issuer credit assessment apply. Confirm current requirements before applying.",
      "note": "Published monthly fee annualized over 12 months: EUR 7.50. New Erste/Sparkasse products available since 29 December 2025. Former card complete cards no longer provide Miles & More/Austrian benefits from 1 January 2026. Earning exclusions, rounding and eligibility still require full terms review.",
      "feeSource": "https://www.austrianairlines.ag/en/2025/12/18/product-details-on-the-new-partnership-between-austrian-and-miles-more-with-erste-bank-and-sparkasse/",
      "earningSource": "https://www.austrianairlines.ag/en/2025/12/18/product-details-on-the-new-partnership-between-austrian-and-miles-more-with-erste-bank-and-sparkasse/",
      "imageOriginal": "https://www.miles-and-more.com/content/dam/mmg/touchpoint/web/tableimages/mam-aua-kreditkarte-mastercard-business-smartcard-202x128.png"
    },
    {
      "id": "be-beobank-brussels-explore",
      "country": "BE",
      "issuer": "Beobank",
      "name": "Brussels Airlines Explore Mastercard",
      "currency": "EUR",
      "fee": 20,
      "reward": "Miles & More award miles",
      "rate": 0.5,
      "earn": "0.5 award miles per EUR 1 other eligible purchases; annual earning cap 25,000 miles.",
      "url": "https://www.beobank.be/fr/payer/cartes-de-credit/mastercard-brussels-airlines-explore.html",
      "mileageSource": "https://www.beobank.be/fr/payer/cartes-de-credit/mastercard-brussels-airlines-explore.html",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "type": "Personal credit card",
      "route": "Rewards accrue to the linked airline loyalty account under the local issuer rules.",
      "verified": true,
      "verifiedAt": "2026-10-16",
      "verificationScope": "Official product identity and recorded fee/earning facts checked. Unrecorded conditions remain unverified.",
      "status": "Listed by official issuer; confirm current application eligibility",
      "calculatorDisabled": true,
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": "One eligible card transaction each month extends Miles & More balance validity, subject to program protection rules.",
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": "Automatically credited to linked Miles & More account each month.",
      "image": "public/assets/cards/be-beobank-brussels-explore.webp",
      "imageSource": "https://www.beobank.be/fr/payer/cartes-de-credit/mastercard-brussels-airlines-horizon.html",
      "special": [],
      "partners": [
        "Miles & More"
      ],
      "programIds": [
        "milesmore"
      ],
      "eligibility": "Local residence, identification and issuer credit assessment apply. Confirm current requirements before applying.",
      "note": "Brussels Airlines purchases earn 2 miles/EUR; eligible other Lufthansa Group/Star Alliance purchases earn 1. Non-partner airline purchases, cash, fees, transfers, crypto and specified intermediaries excluded. Welcome offers excluded.",
      "feeSource": "https://www.beobank.be/fr/payer/cartes-de-credit/mastercard-brussels-airlines-explore.html",
      "earningSource": "https://www.beobank.be/fr/payer/cartes-de-credit/mastercard-brussels-airlines-explore.html",
      "imageOriginal": "https://cdnwmii.e-i.com/SITW/wm/global/1.0.0/beobank/assets/product/cards/BRUSSELS_AIRLINES_HORIZON-CARDS/Cards_1.webp"
    },
    {
      "id": "be-beobank-brussels-horizon",
      "country": "BE",
      "issuer": "Beobank",
      "name": "Brussels Airlines Horizon Mastercard",
      "currency": "EUR",
      "fee": 100,
      "reward": "Miles & More award miles",
      "rate": 1,
      "earn": "1 award miles per EUR 1 other eligible purchases; annual earning cap 50,000 miles.",
      "url": "https://www.beobank.be/fr/payer/cartes-de-credit/mastercard-brussels-airlines-horizon.html",
      "mileageSource": "https://www.beobank.be/fr/payer/cartes-de-credit/mastercard-brussels-airlines-horizon.html",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "type": "Personal credit card",
      "route": "Rewards accrue to the linked airline loyalty account under the local issuer rules.",
      "verified": true,
      "verifiedAt": "2026-10-16",
      "verificationScope": "Official product identity and recorded fee/earning facts checked. Unrecorded conditions remain unverified.",
      "status": "Listed by official issuer; confirm current application eligibility",
      "calculatorDisabled": true,
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": "One eligible card transaction each month extends Miles & More balance validity, subject to program protection rules.",
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": "Automatically credited to linked Miles & More account each month.",
      "image": "public/assets/cards/be-beobank-brussels-horizon.webp",
      "imageSource": "https://www.beobank.be/fr/payer/cartes-de-credit/mastercard-brussels-airlines-explore.html",
      "special": [],
      "partners": [
        "Miles & More"
      ],
      "programIds": [
        "milesmore"
      ],
      "eligibility": "Local residence, identification and issuer credit assessment apply. Confirm current requirements before applying.",
      "note": "Brussels Airlines purchases earn 2 miles/EUR; eligible other Lufthansa Group/Star Alliance purchases earn 1.5. Non-partner airline purchases, cash, fees, transfers, crypto and specified intermediaries excluded. Welcome offers excluded.",
      "feeSource": "https://www.beobank.be/fr/payer/cartes-de-credit/mastercard-brussels-airlines-horizon.html",
      "earningSource": "https://www.beobank.be/fr/payer/cartes-de-credit/mastercard-brussels-airlines-horizon.html",
      "imageOriginal": "https://cdnwmii.e-i.com/SITW/wm/global/1.0.0/beobank/assets/product/cards/BRUSSELS_AIRLINES_EXPLORE-CARDS/Cards_1.webp"
    },
    {
      "id": "be-beobank-brussels-altitude",
      "country": "BE",
      "issuer": "Beobank",
      "name": "Brussels Airlines Altitude Mastercard",
      "currency": "EUR",
      "fee": 180,
      "reward": "Miles & More award miles",
      "rate": 1.25,
      "earn": "1.25 award miles per EUR 1 other eligible purchases; annual earning cap 100,000 miles.",
      "url": "https://www.beobank.be/fr/payer/cartes-de-credit/mastercard-brussels-airlines-altitude.html",
      "mileageSource": "https://www.beobank.be/fr/payer/cartes-de-credit/mastercard-brussels-airlines-altitude.html",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "type": "Personal credit card",
      "route": "Rewards accrue to the linked airline loyalty account under the local issuer rules.",
      "verified": true,
      "verifiedAt": "2026-10-16",
      "verificationScope": "Official product identity and recorded fee/earning facts checked. Unrecorded conditions remain unverified.",
      "status": "Listed by official issuer; confirm current application eligibility",
      "calculatorDisabled": true,
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": "One eligible card transaction each month extends Miles & More balance validity, subject to program protection rules.",
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": "Automatically credited to linked Miles & More account each month.",
      "image": "public/assets/cards/be-beobank-brussels-altitude.webp",
      "imageSource": "https://www.beobank.be/fr/payer/cartes-de-credit/mastercard-brussels-airlines-explore.html",
      "special": [],
      "partners": [
        "Miles & More"
      ],
      "programIds": [
        "milesmore"
      ],
      "eligibility": "Local residence, identification and issuer credit assessment apply. Confirm current requirements before applying.",
      "note": "Brussels Airlines purchases earn 2 miles/EUR; eligible other Lufthansa Group/Star Alliance purchases earn 1.5. Non-partner airline purchases, cash, fees, transfers, crypto and specified intermediaries excluded. Qualifying non-Europe foreign-currency purchases earn 2 miles/EUR; detailed geographic exclusions apply. Welcome offers excluded.",
      "feeSource": "https://www.beobank.be/fr/payer/cartes-de-credit/mastercard-brussels-airlines-altitude.html",
      "earningSource": "https://www.beobank.be/fr/payer/cartes-de-credit/mastercard-brussels-airlines-altitude.html",
      "imageOriginal": "https://cdnwmii.e-i.com/SITW/wm/global/1.0.0/beobank/assets/product/cards/BRUSSELS_AIRLINES_EXPLORE-CARDS/Cards_2.webp"
    },
    {
      "id": "be-beobank-flyingblue-world",
      "country": "BE",
      "issuer": "Beobank",
      "name": "Flying Blue World Mastercard",
      "currency": "EUR",
      "fee": 75,
      "reward": "Flying Blue miles",
      "rate": 1,
      "earn": "1 Flying Blue miles per EUR 1 eligible purchases.",
      "url": "https://www.beobank.be/fr/payer/cartes-de-credit/mastercard-flying-blue.html",
      "mileageSource": "https://www.beobank.be/fr/payer/cartes-de-credit/mastercard-flying-blue.html",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "type": "Personal credit card",
      "route": "Rewards accrue to the linked airline loyalty account under the local issuer rules.",
      "verified": true,
      "verifiedAt": "2026-10-16",
      "verificationScope": "Official product identity and recorded fee/earning facts checked. Unrecorded conditions remain unverified.",
      "status": "Listed by official issuer; confirm current application eligibility",
      "calculatorDisabled": true,
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": "Miles transferred to linked Flying Blue account monthly.",
      "image": "public/assets/cards/be-beobank-flyingblue-world.webp",
      "imageSource": "https://www.beobank.be/fr/payer/cartes-de-credit/mastercard-flying-blue.html",
      "special": [],
      "partners": [
        "Flying Blue"
      ],
      "programIds": [
        "flyingblue"
      ],
      "eligibility": "Local residence, identification and issuer credit assessment apply. Confirm current requirements before applying.",
      "note": "Welcome offers excluded. Exclusions, rounding and expiry protection need full review.",
      "feeSource": "https://www.beobank.be/fr/payer/cartes-de-credit/mastercard-flying-blue.html",
      "earningSource": "https://www.beobank.be/fr/payer/cartes-de-credit/mastercard-flying-blue.html",
      "imageOriginal": "https://cdnwmii.e-i.com/SITW/wm/global/1.0.0/beobank/assets/product/cards/FLYING_BLUE_WORLD_MASTERCARD-CARDS/imgtxt.webp"
    },
    {
      "id": "be-beobank-flyingblue-premium",
      "country": "BE",
      "issuer": "Beobank",
      "name": "Flying Blue Premium World Mastercard",
      "currency": "EUR",
      "fee": 150,
      "reward": "Flying Blue miles",
      "rate": 1.25,
      "earn": "1.25 Flying Blue miles per EUR 1 eligible purchases.",
      "url": "https://www.beobank.be/fr/payer/cartes-de-credit/mastercard-flying-blue-premium.html",
      "mileageSource": "https://www.beobank.be/fr/payer/cartes-de-credit/mastercard-flying-blue-premium.html",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "type": "Personal credit card",
      "route": "Rewards accrue to the linked airline loyalty account under the local issuer rules.",
      "verified": true,
      "verifiedAt": "2026-10-16",
      "verificationScope": "Official product identity and recorded fee/earning facts checked. Unrecorded conditions remain unverified.",
      "status": "Listed by official issuer; confirm current application eligibility",
      "calculatorDisabled": true,
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": "Miles transferred to linked Flying Blue account monthly.",
      "image": "public/assets/cards/be-beobank-flyingblue-premium.webp",
      "imageSource": "https://www.beobank.be/fr/payer/cartes-de-credit/mastercard-flying-blue-premium.html",
      "special": [],
      "partners": [
        "Flying Blue"
      ],
      "programIds": [
        "flyingblue"
      ],
      "eligibility": "Local residence, identification and issuer credit assessment apply. Confirm current requirements before applying.",
      "note": "Air France/KLM ticket purchases earn 1.5 miles/EUR. Exclusions, rounding and expiry protection need full review.",
      "feeSource": "https://www.beobank.be/fr/payer/cartes-de-credit/mastercard-flying-blue-premium.html",
      "earningSource": "https://www.beobank.be/fr/payer/cartes-de-credit/mastercard-flying-blue-premium.html",
      "imageOriginal": "https://cdnwmii.e-i.com/SITW/wm/global/1.0.0/beobank/assets/product/cards/PREMIUM_FLYING_BLUE_WORLD_MASTERCARD-CARDS/imgtxt.webp"
    },
    {
      "id": "lu-spuerkeess-luxair-visa",
      "country": "LU",
      "issuer": "Spuerkeess",
      "name": "Miles & More Luxair Visa",
      "currency": "EUR",
      "fee": 230,
      "reward": "Miles & More award miles",
      "rate": null,
      "earn": "Issuer product text lists 1 mile per EUR 2; other indexed issuer content lists 1 per EUR 1. Confirm the current applicable schedule.",
      "url": "https://www.spuerkeess.lu/en/private-customers/daily-management/miles/",
      "mileageSource": "https://www.spuerkeess.lu/en/private-customers/daily-management/miles/",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "type": "Personal credit card",
      "route": "Rewards accrue to the linked airline loyalty account under the local issuer rules.",
      "verified": true,
      "verifiedAt": "2026-10-16",
      "verificationScope": "Official product identity and recorded fee/earning facts checked. Unrecorded conditions remain unverified.",
      "status": "Listed by official issuer; confirm current application eligibility",
      "calculatorDisabled": true,
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": "Issuer advertises suspension of award-mile expiry; detailed qualifying conditions need confirmation.",
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": "public/assets/cards/lu-spuerkeess-luxair-visa.png",
      "imageSource": "https://www.spuerkeess.lu/en/private-customers/daily-management/miles/",
      "special": [],
      "partners": [
        "Miles & More"
      ],
      "programIds": [
        "milesmore"
      ],
      "eligibility": "Local residence, identification and issuer credit assessment apply. Confirm current requirements before applying.",
      "note": "Standard annual fee EUR 230; EUR 140 with Zebra Premium package, whose banking charges are separate. Conflicting earning/lounges content is disclosed; no numeric earning rate assigned.",
      "feeSource": "https://www.spuerkeess.lu/en/private-customers/daily-management/miles/",
      "earningSource": "https://www.spuerkeess.lu/en/private-customers/daily-management/miles/",
      "imageOriginal": "https://www.spuerkeess.lu/fileadmin/mediatheque/produits/cartes/VPO_cartes_NewCI/visa-miles-and-more-platinum_1125x594.png"
    },
    {
      "id": "lu-spuerkeess-luxair-business",
      "country": "LU",
      "issuer": "Spuerkeess",
      "name": "Miles & More Luxair Visa Business",
      "currency": "EUR",
      "fee": 230,
      "reward": "Miles & More award miles",
      "rate": 1,
      "earn": "1 award mile per EUR 1 eligible business spending.",
      "url": "https://www.luxair.lu/en/offers/miles-more-luxair-visa-spuerkeess/",
      "mileageSource": "https://www.luxair.lu/en/offers/miles-more-luxair-visa-spuerkeess/",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "type": "Business credit card",
      "route": "Rewards accrue to the linked airline loyalty account under the local issuer rules.",
      "verified": true,
      "verifiedAt": "2026-10-16",
      "verificationScope": "Official product identity and recorded fee/earning facts checked. Unrecorded conditions remain unverified.",
      "status": "Listed by official issuer; confirm current application eligibility",
      "calculatorDisabled": true,
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": null,
      "imageSource": null,
      "special": [],
      "partners": [
        "Miles & More"
      ],
      "programIds": [
        "milesmore"
      ],
      "eligibility": "Local residence, identification and issuer credit assessment apply. Confirm current requirements before applying.",
      "note": "Standard annual fee EUR 230; EUR 165 with Zebra Business/Business Plus package. Package charges are separate. Rounding, exclusions and current expiry-protection conditions remain unverified.",
      "feeSource": "https://www.spuerkeess.lu/en/blog/payments/which-payment-card-should-you-choose-for-your-business/",
      "earningSource": "https://www.luxair.lu/en/offers/miles-more-luxair-visa-spuerkeess/"
    },
    {
      "id": "gr-alpha-aegean",
      "country": "GR",
      "issuer": "Alpha Bank",
      "name": "Aegean Bonus Visa",
      "currency": "EUR",
      "fee": 40,
      "reward": "Alpha Bonus points",
      "rate": 1,
      "earn": "1 Bonus point per EUR 1 ordinary eligible purchases; partner purchases earn 2 or 4 points.",
      "url": "https://www.alpha.gr/en/personal/cards/pistotikes-kartes/aegean-bonus-visa-credit-card",
      "mileageSource": "https://www.alpha.gr/en/personal/cards/pistotikes-kartes/aegean-bonus-visa-credit-card",
      "mileageEligible": true,
      "mileageRoute": "Bank points",
      "type": "Personal credit card",
      "route": "Convert 4 eligible card-earned Bonus points into 4 Aegean Miles+Bonus award miles, in blocks of 4 points. Card-earned points must be converted within 12 months; annual conversion cap 100,000 points.",
      "verified": true,
      "verifiedAt": "2026-10-16",
      "verificationScope": "Official product identity and recorded fee/earning facts checked. Unrecorded conditions remain unverified.",
      "status": "Listed by official issuer; confirm current application eligibility",
      "calculatorDisabled": true,
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": 4,
      "transferFee": null,
      "processingTime": null,
      "image": "public/assets/cards/gr-alpha-aegean.webp",
      "imageSource": "https://www.alpha.gr/en/personal/cards/pistotikes-kartes/aegean-bonus-visa-credit-card",
      "special": [],
      "partners": [
        "Aegean Miles+Bonus"
      ],
      "programIds": [
        "aegean"
      ],
      "eligibility": "Online application: age 18–75, permanent residence in Greece, Greek ID/mobile number, digital banking and Miles+Bonus membership. Other application routes subject to issuer review.",
      "note": "Bank points are recorded separately from airline miles. Conversion year runs 1 November–31 October. Alpha Bank announces updated Bonus terms effective 1 November 2026; reconfirm terms for future transfers. Current product-page schedule recorded as of 16 October 2026.",
      "feeSource": "https://www.alpha.gr/en/personal/cards/pistotikes-kartes/aegean-bonus-visa-credit-card",
      "earningSource": "https://www.alpha.gr/en/personal/cards/pistotikes-kartes/aegean-bonus-visa-credit-card",
      "termsSource": "https://www.alpha.gr/en/personal/cards/pistotikes-kartes/aegean-bonus-visa-credit-card",
      "transfers": [
        {
          "program": "Aegean Miles+Bonus",
          "points": 4,
          "miles": 4,
          "minimumPoints": 4,
          "increment": 4,
          "source": "https://www.alpha.gr/en/personal/cards/pistotikes-kartes/aegean-bonus-visa-credit-card"
        }
      ],
      "imageOriginal": "https://www.alpha.gr/-/media/AlphaGr/Images/Retail-retouch/kartes/new-cards/Optimized/2x---686x432/Visa/Alphabank-Cards--4-VISA-COBRAND-IND-CREDIT-AEGEAN-BONUS2x.jpg?h=432&iar=0&w=686&hash=02E57E1C4C809CC58E106F6B836A8C05"
    },
    {
      "id": "gr-alpha-aegean-premium",
      "country": "GR",
      "issuer": "Alpha Bank",
      "name": "Aegean Bonus Visa Premium",
      "currency": "EUR",
      "fee": 80,
      "reward": "Alpha Bonus points",
      "rate": 1,
      "earn": "1 Bonus point per EUR 1 ordinary eligible purchases; partner purchases earn 2 or 4 points.",
      "url": "https://www.alpha.gr/el/idiotes/kartes/pistotikes-kartes/pistotiki-karta-aegean-bonus-visa-premium",
      "mileageSource": "https://www.alpha.gr/el/idiotes/kartes/pistotikes-kartes/pistotiki-karta-aegean-bonus-visa-premium",
      "mileageEligible": true,
      "mileageRoute": "Bank points",
      "type": "Personal credit card",
      "route": "Convert 4 eligible card-earned Bonus points into 5 Aegean Miles+Bonus award miles, in blocks of 4 points. Card-earned points must be converted within 12 months; annual conversion cap 200,000 points.",
      "verified": true,
      "verifiedAt": "2026-10-16",
      "verificationScope": "Official product identity and recorded fee/earning facts checked. Unrecorded conditions remain unverified.",
      "status": "Listed by official issuer; confirm current application eligibility",
      "calculatorDisabled": true,
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": 4,
      "transferFee": null,
      "processingTime": null,
      "image": "public/assets/cards/gr-alpha-aegean-premium.webp",
      "imageSource": "https://www.alpha.gr/el/idiotes/kartes/pistotikes-kartes/pistotiki-karta-aegean-bonus-visa-premium",
      "special": [],
      "partners": [
        "Aegean Miles+Bonus"
      ],
      "programIds": [
        "aegean"
      ],
      "eligibility": "Online application: age 18–75, permanent residence in Greece, Greek ID/mobile number, digital banking and Miles+Bonus membership. Other application routes subject to issuer review.",
      "note": "Bank points are recorded separately from airline miles. Conversion year runs 1 November–31 October. Alpha Bank announces updated Bonus terms effective 1 November 2026; reconfirm terms for future transfers. Current product-page schedule recorded as of 16 October 2026.",
      "feeSource": "https://www.alpha.gr/el/idiotes/kartes/pistotikes-kartes/pistotiki-karta-aegean-bonus-visa-premium",
      "earningSource": "https://www.alpha.gr/el/idiotes/kartes/pistotikes-kartes/pistotiki-karta-aegean-bonus-visa-premium",
      "termsSource": "https://www.alpha.gr/el/idiotes/kartes/pistotikes-kartes/pistotiki-karta-aegean-bonus-visa-premium",
      "transfers": [
        {
          "program": "Aegean Miles+Bonus",
          "points": 4,
          "miles": 5,
          "minimumPoints": 4,
          "increment": 4,
          "source": "https://www.alpha.gr/el/idiotes/kartes/pistotikes-kartes/pistotiki-karta-aegean-bonus-visa-premium"
        }
      ],
      "imageOriginal": "https://www.alpha.gr/-/media/AlphaGr/Images/Retail-retouch/kartes/new-cards/Optimized/2x---686x432/Visa/5-VISA-COBRA-NDIND-CREDIT-AEGEAN-BONUS-PREMIUM-.png?h=432&iar=0&w=686&hash=2C2ADFBDB05F86DF8CC2BCE2F24D8A3C"
    },
    {
      "id": "cy-boc-aegean",
      "country": "CY",
      "issuer": "Bank of Cyprus",
      "name": "Aegean Mastercard",
      "currency": "EUR",
      "fee": 60,
      "reward": "Aegean Miles+Bonus award miles",
      "rate": 0.5,
      "earn": "1 award mile per EUR 2 other eligible purchases; 3 per EUR 1 within the AEGEAN network.",
      "url": "https://www.bankofcyprus.com/en-gb/Personal/cards/Personal/Credit/aegean-mastercard2/",
      "mileageSource": "https://www.bankofcyprus.com/en-gb/Personal/cards/Personal/Credit/aegean-mastercard2/",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "type": "Personal credit card",
      "route": "Rewards accrue to the linked airline loyalty account under the local issuer rules.",
      "verified": true,
      "verifiedAt": "2026-10-16",
      "verificationScope": "Official product identity and recorded fee/earning facts checked. Unrecorded conditions remain unverified.",
      "status": "Listed by official issuer; confirm current application eligibility",
      "calculatorDisabled": true,
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": "Ordinary miles credited at the beginning of the following month; extra AEGEAN-network miles credited separately within following days.",
      "image": "public/assets/cards/cy-boc-aegean.png",
      "imageSource": "https://www.bankofcyprus.com/en-gb/Personal/cards/Personal/Credit/aegean-mastercard2/",
      "special": [],
      "partners": [
        "Aegean Miles+Bonus"
      ],
      "programIds": [
        "aegean"
      ],
      "eligibility": "Local residence, identification and issuer credit assessment apply. Confirm current requirements before applying.",
      "note": "Current personal tariff: monthly membership EUR 5 annualized to EUR 60. Direct miles earning applies since 14 May 2024; antamivi points for ticket discounts are separate. First-year pricing remains unverified.",
      "feeSource": "https://www.bankofcyprus.com/globalassets/cyprus/org_methods/commissions--charges-current/eng/commissions-and-charges-physical-persons-06_2026.pdf",
      "earningSource": "https://www.bankofcyprus.com/contentassets/76a50f07680242e691ea71d5a5e1a136/terms-aegean-scheme-en-final-updated-04.2026.pdf",
      "termsSource": "https://www.bankofcyprus.com/contentassets/76a50f07680242e691ea71d5a5e1a136/terms-aegean-scheme-en-final-updated-04.2026.pdf",
      "imageOriginal": "https://www.bankofcyprus.com/globalassets/start/retail/cards/aegean/final-boc-aegean-card-003.png"
    },
    {
      "id": "cy-boc-aegean-business",
      "country": "CY",
      "issuer": "Bank of Cyprus",
      "name": "Aegean Mastercard Business",
      "currency": "EUR",
      "fee": 96,
      "reward": "Aegean Miles+Bonus award miles",
      "rate": 1,
      "earn": "1 award mile per EUR 1 other eligible purchases; 4 per EUR 1 within the AEGEAN network.",
      "url": "https://www.bankofcyprus.com/contentassets/76a50f07680242e691ea71d5a5e1a136/terms-aegean-scheme-en-final-updated-04.2026.pdf",
      "mileageSource": "https://www.bankofcyprus.com/contentassets/76a50f07680242e691ea71d5a5e1a136/terms-aegean-scheme-en-final-updated-04.2026.pdf",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "type": "Business credit card",
      "route": "Rewards accrue to the linked airline loyalty account under the local issuer rules.",
      "verified": true,
      "verifiedAt": "2026-10-16",
      "verificationScope": "Official product identity and recorded fee/earning facts checked. Unrecorded conditions remain unverified.",
      "status": "Listed by official issuer; confirm current application eligibility",
      "calculatorDisabled": true,
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": "Ordinary miles credited at the beginning of the following month; extra AEGEAN-network miles credited separately within following days.",
      "image": null,
      "imageSource": null,
      "special": [],
      "partners": [
        "Aegean Miles+Bonus"
      ],
      "programIds": [
        "aegean"
      ],
      "eligibility": "Local residence, identification and issuer credit assessment apply. Confirm current requirements before applying.",
      "note": "Monthly membership EUR 8 annualized to EUR 96. Miles credit to the company Miles+Bonus account. Taxes, government, utility, cash and money-transfer transactions excluded.",
      "feeSource": "https://www.bankofcyprus.com/globalassets/cyprus/org_methods/commissions--charges-current/eng/commissions-and-charges-legal-entities-05_2026.pdf",
      "earningSource": "https://www.bankofcyprus.com/contentassets/76a50f07680242e691ea71d5a5e1a136/terms-aegean-scheme-en-final-updated-04.2026.pdf",
      "termsSource": "https://www.bankofcyprus.com/contentassets/76a50f07680242e691ea71d5a5e1a136/terms-aegean-scheme-en-final-updated-04.2026.pdf"
    },
    {
      "country": "CR",
      "id": "cr-bac-lifemiles-american-express-gold",
      "issuer": "BAC",
      "name": "avianca LifeMiles Gold American Express",
      "currency": "CRC",
      "fee": 0,
      "reward": "LifeMiles",
      "rate": null,
      "earn": "1.25 LifeMiles per USD 1 equivalent eligible purchases.",
      "url": "https://www.baccredomatic.com/es-cr/personas/tarjetas/viajes/avianca-lifemiles-gold/american-express/dorada",
      "mileageSource": "https://www.baccredomatic.com/es-cr/personas/tarjetas/viajes/avianca-lifemiles-gold/american-express/dorada",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "type": "Personal credit card",
      "route": "Eligible purchases accrue to the linked airline loyalty account.",
      "verified": true,
      "verifiedAt": "2026-10-16",
      "verificationScope": "Product identity and recorded facts checked against official sources. Missing conditions remain unverified.",
      "status": "Listed by official issuer; confirm current application eligibility",
      "calculatorDisabled": true,
      "firstYearFee": 0,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": "Issuer FAQ describes a rolling 24-month validity from purchase. Confirm current LifeMiles account conditions.",
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": null,
      "imageSource": null,
      "special": [],
      "partners": [
        "LifeMiles"
      ],
      "programIds": [
        "lifemiles"
      ],
      "earningSource": "https://www.baccredomatic.com/es-cr/personas/tarjetas/viajes/avianca-lifemiles-gold/american-express/dorada",
      "eligibility": "Local residence, issuer identification and credit approval required.",
      "note": "Issuer FAQ: cap 30,000 miles monthly. July 2026 general tariff lists zero account administration/membership; optional insurance and services separate. Earning is per USD equivalent, not CRC.",
      "feeSource": "https://www.baccredomatic.com/sites/default/files/2026-07/cr_tarifario_tarjetas_credito_jul_2026.pdf"
    },
    {
      "country": "CR",
      "id": "cr-bac-lifemiles-american-express-premium",
      "issuer": "BAC",
      "name": "avianca LifeMiles Premium American Express",
      "currency": "CRC",
      "fee": 0,
      "reward": "LifeMiles",
      "rate": null,
      "earn": "1.5 LifeMiles per USD 1 equivalent eligible purchases.",
      "url": "https://www.baccredomatic.com/es-cr/personas/tarjetas/viajes/avianca-lifemiles-premium/american-express/platinum",
      "mileageSource": "https://www.baccredomatic.com/es-cr/personas/tarjetas/viajes/avianca-lifemiles-premium/american-express/platinum",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "type": "Personal credit card",
      "route": "Eligible purchases accrue to the linked airline loyalty account.",
      "verified": true,
      "verifiedAt": "2026-10-17",
      "verificationScope": "Product identity and recorded facts checked against official sources. Missing conditions remain unverified.",
      "status": "Listed by official issuer; confirm current application eligibility",
      "calculatorDisabled": true,
      "firstYearFee": 0,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": "Issuer FAQ describes a rolling 24-month validity from purchase. Confirm current LifeMiles account conditions.",
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": null,
      "imageSource": null,
      "special": [],
      "partners": [
        "LifeMiles"
      ],
      "programIds": [
        "lifemiles"
      ],
      "earningSource": "https://www.baccredomatic.com/es-cr/personas/tarjetas/viajes/avianca-lifemiles-premium/american-express/platinum",
      "eligibility": "Age above 21; Costa Rican nationals: CRC 400,000 monthly income; foreign salaried applicants: CRC 800,000; foreign independent applicants: CRC 1,000,000. Identification, address, income proof and at least three months employment apply.",
      "note": "Issuer FAQ: 30,000 miles monthly cap and zero administrative charge. Income field uses local-national monthly threshold; foreign applicants differ. Earning is per USD equivalent, not CRC. Optional insurance and services separate.",
      "feeSource": "https://www.baccredomatic.com/sites/default/files/2026-07/cr_tarifario_tarjetas_credito_jul_2026.pdf",
      "income": 400000,
      "termsSource": "https://www.baccredomatic.com/es-cr/personas/tarjetas/viajes/avianca-lifemiles-premium/american-express/platinum"
    },
    {
      "country": "CR",
      "id": "cr-bac-lifemiles-american-express-elite",
      "issuer": "BAC",
      "name": "avianca LifeMiles Elite American Express",
      "currency": "CRC",
      "fee": 0,
      "reward": "LifeMiles",
      "rate": null,
      "earn": "2 LifeMiles per USD 1 equivalent eligible purchases.",
      "url": "https://www.baccredomatic.com/es-cr/personas/tarjetas/destacadas/avianca-lifemiles-elite/american-express/black",
      "mileageSource": "https://www.baccredomatic.com/es-cr/personas/tarjetas/destacadas/avianca-lifemiles-elite/american-express/black",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "type": "Personal credit card",
      "route": "Eligible purchases accrue to the linked airline loyalty account.",
      "verified": true,
      "verifiedAt": "2026-10-16",
      "verificationScope": "Product identity and recorded facts checked against official sources. Missing conditions remain unverified.",
      "status": "Listed by official issuer; confirm current application eligibility",
      "calculatorDisabled": true,
      "firstYearFee": 0,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": "Issuer FAQ describes a rolling 24-month validity from purchase. Confirm current LifeMiles account conditions.",
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": null,
      "imageSource": null,
      "special": [],
      "partners": [
        "LifeMiles"
      ],
      "programIds": [
        "lifemiles"
      ],
      "earningSource": "https://www.baccredomatic.com/es-cr/personas/tarjetas/destacadas/avianca-lifemiles-elite/american-express/black",
      "eligibility": "Local residence, issuer identification and credit approval required.",
      "note": "Issuer FAQ: cap 30,000 miles monthly. July 2026 general tariff lists zero account administration/membership; optional insurance and services separate. Earning is per USD equivalent, not CRC.",
      "feeSource": "https://www.baccredomatic.com/sites/default/files/2026-07/cr_tarifario_tarjetas_credito_jul_2026.pdf"
    },
    {
      "country": "CR",
      "id": "cr-bac-lifemiles-visa-gold",
      "issuer": "BAC",
      "name": "avianca LifeMiles Gold Visa",
      "currency": "CRC",
      "fee": 0,
      "reward": "LifeMiles",
      "rate": null,
      "earn": "1.25 LifeMiles per USD 1 equivalent eligible purchases.",
      "url": "https://www.baccredomatic.com/es-cr/personas/tarjetas/viajes/avianca-lifemiles-gold/visa/dorada",
      "mileageSource": "https://www.baccredomatic.com/es-cr/personas/tarjetas/viajes/avianca-lifemiles-gold/visa/dorada",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "type": "Personal credit card",
      "route": "Eligible purchases accrue to the linked airline loyalty account.",
      "verified": true,
      "verifiedAt": "2026-10-16",
      "verificationScope": "Product identity and recorded facts checked against official sources. Missing conditions remain unverified.",
      "status": "Listed by official issuer; confirm current application eligibility",
      "calculatorDisabled": true,
      "firstYearFee": 0,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": "Issuer FAQ describes a rolling 24-month validity from purchase. Confirm current LifeMiles account conditions.",
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": null,
      "imageSource": null,
      "special": [],
      "partners": [
        "LifeMiles"
      ],
      "programIds": [
        "lifemiles"
      ],
      "earningSource": "https://www.baccredomatic.com/es-cr/personas/tarjetas/viajes/avianca-lifemiles-gold/visa/dorada",
      "eligibility": "Local residence, issuer identification and credit approval required.",
      "note": "Up to 30,000 miles monthly on Visa per product FAQ; American Express cap and expiry remain unverified. July 2026 general tariff lists account administration/membership at zero; optional insurance and service costs separate. Rates are per USD equivalent, not per CRC.",
      "feeSource": "https://www.baccredomatic.com/sites/default/files/2026-07/cr_tarifario_tarjetas_credito_jul_2026.pdf"
    },
    {
      "country": "CR",
      "id": "cr-bac-lifemiles-visa-premium",
      "issuer": "BAC",
      "name": "avianca LifeMiles Premium Visa",
      "currency": "CRC",
      "fee": 0,
      "reward": "LifeMiles",
      "rate": null,
      "earn": "1.5 LifeMiles per USD 1 equivalent eligible purchases.",
      "url": "https://www.baccredomatic.com/es-cr/personas/tarjetas/viajes/avianca-lifemiles-premium/visa/platino",
      "mileageSource": "https://www.baccredomatic.com/es-cr/personas/tarjetas/viajes/avianca-lifemiles-premium/visa/platino",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "type": "Personal credit card",
      "route": "Eligible purchases accrue to the linked airline loyalty account.",
      "verified": true,
      "verifiedAt": "2026-10-16",
      "verificationScope": "Product identity and recorded facts checked against official sources. Missing conditions remain unverified.",
      "status": "Listed by official issuer; confirm current application eligibility",
      "calculatorDisabled": true,
      "firstYearFee": 0,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": "Issuer FAQ describes a rolling 24-month validity from purchase. Confirm current LifeMiles account conditions.",
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": null,
      "imageSource": null,
      "special": [],
      "partners": [
        "LifeMiles"
      ],
      "programIds": [
        "lifemiles"
      ],
      "earningSource": "https://www.baccredomatic.com/es-cr/personas/tarjetas/viajes/avianca-lifemiles-premium/visa/platino",
      "eligibility": "Local residence, issuer identification and credit approval required.",
      "note": "Up to 30,000 miles monthly on Visa per product FAQ; American Express cap and expiry remain unverified. July 2026 general tariff lists account administration/membership at zero; optional insurance and service costs separate. Rates are per USD equivalent, not per CRC.",
      "feeSource": "https://www.baccredomatic.com/sites/default/files/2026-07/cr_tarifario_tarjetas_credito_jul_2026.pdf"
    },
    {
      "country": "CR",
      "id": "cr-bac-lifemiles-visa-infinite",
      "issuer": "BAC",
      "name": "avianca LifeMiles Infinite Visa",
      "currency": "CRC",
      "fee": 0,
      "reward": "LifeMiles",
      "rate": null,
      "earn": "2 LifeMiles per USD 1 equivalent eligible purchases.",
      "url": "https://www.baccredomatic.com/es-cr/personas/tarjetas/viajes/avianca-lifemiles-infinite/visa/infinite",
      "mileageSource": "https://www.baccredomatic.com/es-cr/personas/tarjetas/viajes/avianca-lifemiles-infinite/visa/infinite",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "type": "Personal credit card",
      "route": "Eligible purchases accrue to the linked airline loyalty account.",
      "verified": true,
      "verifiedAt": "2026-10-16",
      "verificationScope": "Product identity and recorded facts checked against official sources. Missing conditions remain unverified.",
      "status": "Listed by official issuer; confirm current application eligibility",
      "calculatorDisabled": true,
      "firstYearFee": 0,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": "Issuer FAQ describes a rolling 24-month validity from purchase. Confirm current LifeMiles account conditions.",
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": null,
      "imageSource": null,
      "special": [],
      "partners": [
        "LifeMiles"
      ],
      "programIds": [
        "lifemiles"
      ],
      "earningSource": "https://www.baccredomatic.com/es-cr/personas/tarjetas/viajes/avianca-lifemiles-infinite/visa/infinite",
      "eligibility": "Local residence, issuer identification and credit approval required.",
      "note": "Up to 30,000 miles monthly on Visa per product FAQ; American Express cap and expiry remain unverified. July 2026 general tariff lists account administration/membership at zero; optional insurance and service costs separate. Rates are per USD equivalent, not per CRC.",
      "feeSource": "https://www.baccredomatic.com/sites/default/files/2026-07/cr_tarifario_tarjetas_credito_jul_2026.pdf"
    },
    {
      "country": "CR",
      "id": "cr-bac-aadvantage-mastercard-gold",
      "issuer": "BAC",
      "name": "AAdvantage Gold Mastercard",
      "currency": "CRC",
      "fee": 0,
      "reward": "AAdvantage miles",
      "rate": null,
      "earn": "1 AAdvantage miles per USD 1 equivalent eligible purchases.",
      "url": "https://www.baccredomatic.com/es-cr/personas/tarjetas/viajes/aadvantager-gold-mastercard/mastercard/dorada",
      "mileageSource": "https://www.baccredomatic.com/es-cr/personas/tarjetas/viajes/aadvantager-gold-mastercard/mastercard/dorada",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "type": "Personal credit card",
      "route": "Eligible purchases accrue to the linked airline loyalty account.",
      "verified": true,
      "verifiedAt": "2026-10-16",
      "verificationScope": "Product identity and recorded facts checked against official sources. Missing conditions remain unverified.",
      "status": "Listed by official issuer; confirm current application eligibility",
      "calculatorDisabled": true,
      "firstYearFee": 0,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": null,
      "imageSource": null,
      "special": [],
      "partners": [
        "AAdvantage miles"
      ],
      "programIds": [
        "aadvantage"
      ],
      "earningSource": "https://www.baccredomatic.com/es-cr/personas/tarjetas/viajes/aadvantager-gold-mastercard/mastercard/dorada",
      "eligibility": "Local residence, issuer identification and credit approval required.",
      "note": "July 2026 general tariff lists zero account administration/membership. Insurance, paid lounge entries and other services separate. Monthly cap and expiry protection vary by product; confirm full rules. Rates are per USD equivalent, not per CRC.",
      "feeSource": "https://www.baccredomatic.com/sites/default/files/2026-07/cr_tarifario_tarjetas_credito_jul_2026.pdf"
    },
    {
      "country": "CR",
      "id": "cr-bac-aadvantage-mastercard-platinum",
      "issuer": "BAC",
      "name": "AAdvantage Platinum Mastercard",
      "currency": "CRC",
      "fee": 0,
      "reward": "AAdvantage miles",
      "rate": null,
      "earn": "1 AAdvantage miles per USD 1 equivalent eligible purchases.",
      "url": "https://www.baccredomatic.com/es-cr/personas/tarjetas/viajes/aadvantager-platinum-mastercard/mastercard/platino",
      "mileageSource": "https://www.baccredomatic.com/es-cr/personas/tarjetas/viajes/aadvantager-platinum-mastercard/mastercard/platino",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "type": "Personal credit card",
      "route": "Eligible purchases accrue to the linked airline loyalty account.",
      "verified": true,
      "verifiedAt": "2026-10-16",
      "verificationScope": "Product identity and recorded facts checked against official sources. Missing conditions remain unverified.",
      "status": "Listed by official issuer; confirm current application eligibility",
      "calculatorDisabled": true,
      "firstYearFee": 0,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": null,
      "imageSource": null,
      "special": [],
      "partners": [
        "AAdvantage miles"
      ],
      "programIds": [
        "aadvantage"
      ],
      "earningSource": "https://www.baccredomatic.com/es-cr/personas/tarjetas/viajes/aadvantager-platinum-mastercard/mastercard/platino",
      "eligibility": "Local residence, issuer identification and credit approval required.",
      "note": "July 2026 general tariff lists zero account administration/membership. Insurance, paid lounge entries and other services separate. Monthly cap and expiry protection vary by product; confirm full rules. Rates are per USD equivalent, not per CRC.",
      "feeSource": "https://www.baccredomatic.com/sites/default/files/2026-07/cr_tarifario_tarjetas_credito_jul_2026.pdf"
    },
    {
      "country": "CR",
      "id": "cr-bac-aadvantage-mastercard-black",
      "issuer": "BAC",
      "name": "AAdvantage Black Mastercard",
      "currency": "CRC",
      "fee": 0,
      "reward": "AAdvantage miles",
      "rate": null,
      "earn": "1 AAdvantage miles per USD 1 equivalent eligible purchases.",
      "url": "https://www.baccredomatic.com/es-cr/personas/tarjetas/viajes/aadvantager-black-mastercard/mastercard/black",
      "mileageSource": "https://www.baccredomatic.com/es-cr/personas/tarjetas/viajes/aadvantager-black-mastercard/mastercard/black",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "type": "Personal credit card",
      "route": "Eligible purchases accrue to the linked airline loyalty account.",
      "verified": true,
      "verifiedAt": "2026-10-16",
      "verificationScope": "Product identity and recorded facts checked against official sources. Missing conditions remain unverified.",
      "status": "Listed by official issuer; confirm current application eligibility",
      "calculatorDisabled": true,
      "firstYearFee": 0,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": null,
      "imageSource": null,
      "special": [],
      "partners": [
        "AAdvantage miles"
      ],
      "programIds": [
        "aadvantage"
      ],
      "earningSource": "https://www.baccredomatic.com/es-cr/personas/tarjetas/viajes/aadvantager-black-mastercard/mastercard/black",
      "eligibility": "Local residence, issuer identification and credit approval required.",
      "note": "July 2026 general tariff lists zero account administration/membership. Insurance, paid lounge entries and other services separate. Monthly cap and expiry protection vary by product; confirm full rules. Rates are per USD equivalent, not per CRC.",
      "feeSource": "https://www.baccredomatic.com/sites/default/files/2026-07/cr_tarifario_tarjetas_credito_jul_2026.pdf"
    },
    {
      "country": "CR",
      "id": "cr-bac-aadvantage-american-express-gold",
      "issuer": "BAC",
      "name": "AAdvantage Gold American Express",
      "currency": "CRC",
      "fee": 0,
      "reward": "AAdvantage miles",
      "rate": null,
      "earn": "1 AAdvantage miles per USD 1 equivalent eligible purchases.",
      "url": "https://www.baccredomatic.com/es-cr/personas/tarjetas/viajes/aadvantager-gold-american-express/american-express/dorada",
      "mileageSource": "https://www.baccredomatic.com/es-cr/personas/tarjetas/viajes/aadvantager-gold-american-express/american-express/dorada",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "type": "Personal credit card",
      "route": "Eligible purchases accrue to the linked airline loyalty account.",
      "verified": true,
      "verifiedAt": "2026-10-16",
      "verificationScope": "Product identity and recorded facts checked against official sources. Missing conditions remain unverified.",
      "status": "Listed by official issuer; confirm current application eligibility",
      "calculatorDisabled": true,
      "firstYearFee": 0,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": null,
      "imageSource": null,
      "special": [],
      "partners": [
        "AAdvantage miles"
      ],
      "programIds": [
        "aadvantage"
      ],
      "earningSource": "https://www.baccredomatic.com/es-cr/personas/tarjetas/viajes/aadvantager-gold-american-express/american-express/dorada",
      "eligibility": "Local residence, issuer identification and credit approval required.",
      "note": "July 2026 general tariff lists zero account administration/membership. Insurance, paid lounge entries and other services separate. Monthly cap and expiry protection vary by product; confirm full rules. Rates are per USD equivalent, not per CRC.",
      "feeSource": "https://www.baccredomatic.com/sites/default/files/2026-07/cr_tarifario_tarjetas_credito_jul_2026.pdf"
    },
    {
      "country": "CR",
      "id": "cr-bac-aadvantage-american-express-platinum",
      "issuer": "BAC",
      "name": "AAdvantage Platinum American Express",
      "currency": "CRC",
      "fee": 0,
      "reward": "AAdvantage miles",
      "rate": null,
      "earn": "1 AAdvantage miles per USD 1 equivalent eligible purchases.",
      "url": "https://www.baccredomatic.com/es-cr/personas/tarjetas/viajes/aadvantager-platinum-american-express/american-express/platinum",
      "mileageSource": "https://www.baccredomatic.com/es-cr/personas/tarjetas/viajes/aadvantager-platinum-american-express/american-express/platinum",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "type": "Personal credit card",
      "route": "Eligible purchases accrue to the linked airline loyalty account.",
      "verified": true,
      "verifiedAt": "2026-10-16",
      "verificationScope": "Product identity and recorded facts checked against official sources. Missing conditions remain unverified.",
      "status": "Listed by official issuer; confirm current application eligibility",
      "calculatorDisabled": true,
      "firstYearFee": 0,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": null,
      "imageSource": null,
      "special": [],
      "partners": [
        "AAdvantage miles"
      ],
      "programIds": [
        "aadvantage"
      ],
      "earningSource": "https://www.baccredomatic.com/es-cr/personas/tarjetas/viajes/aadvantager-platinum-american-express/american-express/platinum",
      "eligibility": "Local residence, issuer identification and credit approval required.",
      "note": "July 2026 general tariff lists zero account administration/membership. Insurance, paid lounge entries and other services separate. Monthly cap and expiry protection vary by product; confirm full rules. Rates are per USD equivalent, not per CRC.",
      "feeSource": "https://www.baccredomatic.com/sites/default/files/2026-07/cr_tarifario_tarjetas_credito_jul_2026.pdf"
    },
    {
      "country": "CR",
      "id": "cr-bac-aadvantage-american-express-prestige",
      "issuer": "BAC",
      "name": "AAdvantage Prestige American Express",
      "currency": "CRC",
      "fee": 0,
      "reward": "AAdvantage miles",
      "rate": null,
      "earn": "1.25 AAdvantage miles per USD 1 equivalent eligible purchases.",
      "url": "https://www.baccredomatic.com/es-cr/personas/tarjetas/viajes/aadvantager-prestige/american-express/prestige",
      "mileageSource": "https://www.baccredomatic.com/es-cr/personas/tarjetas/viajes/aadvantager-prestige/american-express/prestige",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "type": "Personal credit card",
      "route": "Eligible purchases accrue to the linked airline loyalty account.",
      "verified": true,
      "verifiedAt": "2026-10-16",
      "verificationScope": "Product identity and recorded facts checked against official sources. Missing conditions remain unverified.",
      "status": "Listed by official issuer; confirm current application eligibility",
      "calculatorDisabled": true,
      "firstYearFee": 0,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": null,
      "imageSource": null,
      "special": [],
      "partners": [
        "AAdvantage miles"
      ],
      "programIds": [
        "aadvantage"
      ],
      "earningSource": "https://www.baccredomatic.com/es-cr/personas/tarjetas/viajes/aadvantager-prestige/american-express/prestige",
      "eligibility": "Local residence, issuer identification and credit approval required.",
      "note": "July 2026 general tariff lists zero account administration/membership. Insurance, paid lounge entries and other services separate. Monthly cap and expiry protection vary by product; confirm full rules. Rates are per USD equivalent, not per CRC.",
      "feeSource": "https://www.baccredomatic.com/sites/default/files/2026-07/cr_tarifario_tarjetas_credito_jul_2026.pdf"
    },
    {
      "country": "CR",
      "id": "cr-bac-aadvantage-visa-gold",
      "issuer": "BAC",
      "name": "AAdvantage Gold Visa",
      "currency": "CRC",
      "fee": 0,
      "reward": "AAdvantage miles",
      "rate": null,
      "earn": "1 AAdvantage miles per USD 1 equivalent eligible purchases.",
      "url": "https://www.baccredomatic.com/es-cr/personas/tarjetas/viajes/aadvantager-gold-visa/visa/dorada",
      "mileageSource": "https://www.baccredomatic.com/es-cr/personas/tarjetas/viajes/aadvantager-gold-visa/visa/dorada",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "type": "Personal credit card",
      "route": "Eligible purchases accrue to the linked airline loyalty account.",
      "verified": true,
      "verifiedAt": "2026-10-16",
      "verificationScope": "Product identity and recorded facts checked against official sources. Missing conditions remain unverified.",
      "status": "Listed by official issuer; confirm current application eligibility",
      "calculatorDisabled": true,
      "firstYearFee": 0,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": null,
      "imageSource": null,
      "special": [],
      "partners": [
        "AAdvantage miles"
      ],
      "programIds": [
        "aadvantage"
      ],
      "earningSource": "https://www.baccredomatic.com/es-cr/personas/tarjetas/viajes/aadvantager-gold-visa/visa/dorada",
      "eligibility": "Local residence, issuer identification and credit approval required.",
      "note": "July 2026 general tariff lists zero account administration/membership. Insurance, paid lounge entries and other services separate. Monthly cap and expiry protection vary by product; confirm full rules. Rates are per USD equivalent, not per CRC.",
      "feeSource": "https://www.baccredomatic.com/sites/default/files/2026-07/cr_tarifario_tarjetas_credito_jul_2026.pdf"
    },
    {
      "country": "CR",
      "id": "cr-bac-aadvantage-visa-platinum",
      "issuer": "BAC",
      "name": "AAdvantage Platinum Visa",
      "currency": "CRC",
      "fee": 0,
      "reward": "AAdvantage miles",
      "rate": null,
      "earn": "1 AAdvantage miles per USD 1 equivalent eligible purchases.",
      "url": "https://www.baccredomatic.com/es-cr/personas/tarjetas/viajes/aadvantager-platinum-visa/visa/platino",
      "mileageSource": "https://www.baccredomatic.com/es-cr/personas/tarjetas/viajes/aadvantager-platinum-visa/visa/platino",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "type": "Personal credit card",
      "route": "Eligible purchases accrue to the linked airline loyalty account.",
      "verified": true,
      "verifiedAt": "2026-10-16",
      "verificationScope": "Product identity and recorded facts checked against official sources. Missing conditions remain unverified.",
      "status": "Listed by official issuer; confirm current application eligibility",
      "calculatorDisabled": true,
      "firstYearFee": 0,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": null,
      "imageSource": null,
      "special": [],
      "partners": [
        "AAdvantage miles"
      ],
      "programIds": [
        "aadvantage"
      ],
      "earningSource": "https://www.baccredomatic.com/es-cr/personas/tarjetas/viajes/aadvantager-platinum-visa/visa/platino",
      "eligibility": "Local residence, issuer identification and credit approval required.",
      "note": "July 2026 general tariff lists zero account administration/membership. Insurance, paid lounge entries and other services separate. Monthly cap and expiry protection vary by product; confirm full rules. Rates are per USD equivalent, not per CRC.",
      "feeSource": "https://www.baccredomatic.com/sites/default/files/2026-07/cr_tarifario_tarjetas_credito_jul_2026.pdf"
    },
    {
      "country": "CR",
      "id": "cr-bac-connectmiles-dorada",
      "issuer": "BAC",
      "name": "ConnectMiles Visa Dorada",
      "currency": "CRC",
      "fee": 0,
      "reward": "ConnectMiles",
      "rate": null,
      "earn": "1 mile per USD 1 equivalent other eligible purchases; 2 at Copa offices in Costa Rica (website excluded).",
      "url": "https://www.baccredomatic.com/es-cr/personas/tarjetas/viajes/connectmiles-visa-dorada/visa/dorada",
      "mileageSource": "https://www.baccredomatic.com/es-cr/personas/tarjetas/viajes/connectmiles-visa-dorada/visa/dorada",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "type": "Personal credit card",
      "route": "Eligible purchases accrue to the linked airline loyalty account.",
      "verified": true,
      "verifiedAt": "2026-10-16",
      "verificationScope": "Product identity and recorded facts checked against official sources. Missing conditions remain unverified.",
      "status": "Listed by official issuer; confirm current application eligibility",
      "calculatorDisabled": true,
      "firstYearFee": 0,
      "feeWaiver": null,
      "rounding": "Daily transaction calculation uses official posting exchange rate; fractional miles discarded.",
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": "BAC reports weekly after statement close; report may take one week, then airline credit up to two weeks if member data is consistent.",
      "image": null,
      "imageSource": null,
      "special": [],
      "partners": [
        "ConnectMiles"
      ],
      "programIds": [
        "connectmiles"
      ],
      "earningSource": "https://www.baccredomatic.com/es-cr/personas/tarjetas/viajes/connectmiles-visa-dorada/visa/dorada",
      "eligibility": "Local residence, issuer identification and credit approval required.",
      "note": "Monthly cap 30,000. April 2024 rules are still linked by current issuer pages. Infinite versus BLACK tier naming is disclosed. Cash, Tasa Cero/MiniCuotas, insurance, telecom, utilities, tax, COMPASS and specified payments excluded. Expiry follows airline rules; no minimum bank transfer inferred.",
      "feeSource": "https://www.baccredomatic.com/sites/default/files/2026-07/cr_tarifario_tarjetas_credito_jul_2026.pdf",
      "termsSource": "https://www.baccredomatic.com/sites/default/files/2024-04/CR-REGLAMENTO-PROGRAMA-ACUMULACION-VISA-CONNECTMILES-ABR-24.pdf"
    },
    {
      "country": "CR",
      "id": "cr-bac-connectmiles-platinum",
      "issuer": "BAC",
      "name": "ConnectMiles Visa Platinum",
      "currency": "CRC",
      "fee": 0,
      "reward": "ConnectMiles",
      "rate": null,
      "earn": "1 mile per USD 1 equivalent other eligible purchases; 2 at Copa offices in Costa Rica (website excluded).",
      "url": "https://www.baccredomatic.com/es-cr/personas/tarjetas/viajes/connectmiles-visa-platinum/visa/platino",
      "mileageSource": "https://www.baccredomatic.com/es-cr/personas/tarjetas/viajes/connectmiles-visa-platinum/visa/platino",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "type": "Personal credit card",
      "route": "Eligible purchases accrue to the linked airline loyalty account.",
      "verified": true,
      "verifiedAt": "2026-10-16",
      "verificationScope": "Product identity and recorded facts checked against official sources. Missing conditions remain unverified.",
      "status": "Listed by official issuer; confirm current application eligibility",
      "calculatorDisabled": true,
      "firstYearFee": 0,
      "feeWaiver": null,
      "rounding": "Daily transaction calculation uses official posting exchange rate; fractional miles discarded.",
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": "BAC reports weekly after statement close; report may take one week, then airline credit up to two weeks if member data is consistent.",
      "image": null,
      "imageSource": null,
      "special": [],
      "partners": [
        "ConnectMiles"
      ],
      "programIds": [
        "connectmiles"
      ],
      "earningSource": "https://www.baccredomatic.com/es-cr/personas/tarjetas/viajes/connectmiles-visa-platinum/visa/platino",
      "eligibility": "Local residence, issuer identification and credit approval required.",
      "note": "Monthly cap 30,000. April 2024 rules are still linked by current issuer pages. Infinite versus BLACK tier naming is disclosed. Cash, Tasa Cero/MiniCuotas, insurance, telecom, utilities, tax, COMPASS and specified payments excluded. Expiry follows airline rules; no minimum bank transfer inferred.",
      "feeSource": "https://www.baccredomatic.com/sites/default/files/2026-07/cr_tarifario_tarjetas_credito_jul_2026.pdf",
      "termsSource": "https://www.baccredomatic.com/sites/default/files/2024-04/CR-REGLAMENTO-PROGRAMA-ACUMULACION-VISA-CONNECTMILES-ABR-24.pdf"
    },
    {
      "country": "CR",
      "id": "cr-bac-connectmiles-infinite",
      "issuer": "BAC",
      "name": "ConnectMiles Visa Infinite",
      "currency": "CRC",
      "fee": 0,
      "reward": "ConnectMiles",
      "rate": null,
      "earn": "Official linked rules show 1 mile/USD other purchases, 2 supermarkets/fuel and 3 at Copa offices in Costa Rica under the BLACK tier; confirm applicability to Infinite.",
      "url": "https://www.baccredomatic.com/es-cr/personas/tarjetas/viajes/connectmiles-visa-infinite/visa/infinite",
      "mileageSource": "https://www.baccredomatic.com/es-cr/personas/tarjetas/viajes/connectmiles-visa-infinite/visa/infinite",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "type": "Personal credit card",
      "route": "Eligible purchases accrue to the linked airline loyalty account.",
      "verified": true,
      "verifiedAt": "2026-10-16",
      "verificationScope": "Product identity and recorded facts checked against official sources. Missing conditions remain unverified.",
      "status": "Listed by official issuer; confirm current application eligibility",
      "calculatorDisabled": true,
      "firstYearFee": 0,
      "feeWaiver": null,
      "rounding": "Daily transaction calculation uses official posting exchange rate; fractional miles discarded.",
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": "BAC reports weekly after statement close; report may take one week, then airline credit up to two weeks if member data is consistent.",
      "image": null,
      "imageSource": null,
      "special": [],
      "partners": [
        "ConnectMiles"
      ],
      "programIds": [
        "connectmiles"
      ],
      "earningSource": "https://www.baccredomatic.com/es-cr/personas/tarjetas/viajes/connectmiles-visa-infinite/visa/infinite",
      "eligibility": "Local residence, issuer identification and credit approval required.",
      "note": "Monthly cap 30,000. April 2024 rules are still linked by current issuer pages. Infinite versus BLACK tier naming is disclosed. Cash, Tasa Cero/MiniCuotas, insurance, telecom, utilities, tax, COMPASS and specified payments excluded. Expiry follows airline rules; no minimum bank transfer inferred.",
      "feeSource": "https://www.baccredomatic.com/sites/default/files/2026-07/cr_tarifario_tarjetas_credito_jul_2026.pdf",
      "termsSource": "https://www.baccredomatic.com/sites/default/files/2024-04/CR-REGLAMENTO-PROGRAMA-ACUMULACION-VISA-CONNECTMILES-ABR-24.pdf"
    },
    {
      "country": "PE",
      "id": "pe-bcp-visa-clasica",
      "issuer": "BCP",
      "name": "Visa Clasica LATAM Pass",
      "currency": "PEN",
      "fee": 80,
      "reward": "LATAM Pass miles",
      "rate": null,
      "earn": "1 mile per USD 2 eligible spending; billed local currency is separate.",
      "url": "https://www.viabcp.com/tarjetas/visa-latampass-clasica",
      "mileageSource": "https://www.viabcp.com/tarjetas/visa-latampass-clasica",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "type": "Personal credit card",
      "route": "Eligible purchases accrue to the linked airline loyalty account.",
      "verified": true,
      "verifiedAt": "2026-10-16",
      "verificationScope": "Product identity and recorded facts checked against official sources. Missing conditions remain unverified.",
      "status": "Listed by official issuer; confirm current application eligibility",
      "calculatorDisabled": true,
      "firstYearFee": null,
      "feeWaiver": "Issuer overview advertises waiver at PEN 1 monthly eligible spending; review product-specific twelve-month average and purchase-every-month rules.",
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": null,
      "imageSource": null,
      "special": [],
      "partners": [
        "LATAM Pass miles"
      ],
      "programIds": [
        "latampass"
      ],
      "earningSource": "https://www.viabcp.com/tarjetas/visa-latampass-clasica",
      "eligibility": "Local residence, issuer identification and credit approval required.",
      "note": "Issuer Visa comparison has conflicting broad rates for Classic/Gold/Signature. Detailed pages and current all-card overview take precedence; no numeric PEN earning rate inferred. Membership is separate from balance-based insurance and FX fees. Infinite Sapphire/Iridium fees and waiver conflicts require further research.",
      "feeSource": "https://www.viabcp.com/tarjetas/tarjetas-credito"
    },
    {
      "country": "PE",
      "id": "pe-bcp-visa-oro",
      "issuer": "BCP",
      "name": "Visa Oro LATAM Pass",
      "currency": "PEN",
      "fee": 170,
      "reward": "LATAM Pass miles",
      "rate": null,
      "earn": "1 mile per USD 1.5 eligible spending; billed local currency is separate.",
      "url": "https://www.viabcp.com/tarjetas/visa-latampass-oro",
      "mileageSource": "https://www.viabcp.com/tarjetas/visa-latampass-oro",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "type": "Personal credit card",
      "route": "Eligible purchases accrue to the linked airline loyalty account.",
      "verified": true,
      "verifiedAt": "2026-10-16",
      "verificationScope": "Product identity and recorded facts checked against official sources. Missing conditions remain unverified.",
      "status": "Listed by official issuer; confirm current application eligibility",
      "calculatorDisabled": true,
      "firstYearFee": null,
      "feeWaiver": "Issuer overview advertises waiver at PEN 1 monthly eligible spending; review product-specific twelve-month average and purchase-every-month rules.",
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": null,
      "imageSource": null,
      "special": [],
      "partners": [
        "LATAM Pass miles"
      ],
      "programIds": [
        "latampass"
      ],
      "earningSource": "https://www.viabcp.com/tarjetas/visa-latampass-oro",
      "eligibility": "Local residence, issuer identification and credit approval required.",
      "note": "Issuer Visa comparison has conflicting broad rates for Classic/Gold/Signature. Detailed pages and current all-card overview take precedence; no numeric PEN earning rate inferred. Membership is separate from balance-based insurance and FX fees. Infinite Sapphire/Iridium fees and waiver conflicts require further research.",
      "feeSource": "https://www.viabcp.com/tarjetas/tarjetas-credito"
    },
    {
      "country": "PE",
      "id": "pe-bcp-visa-platinum",
      "issuer": "BCP",
      "name": "Visa Platinum LATAM Pass",
      "currency": "PEN",
      "fee": 350,
      "reward": "LATAM Pass miles",
      "rate": null,
      "earn": "1 mile per USD 1 eligible spending; billed local currency is separate.",
      "url": "https://www.viabcp.com/tarjetas/visa-latampass-platinum",
      "mileageSource": "https://www.viabcp.com/tarjetas/visa-latampass-platinum",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "type": "Personal credit card",
      "route": "Eligible purchases accrue to the linked airline loyalty account.",
      "verified": true,
      "verifiedAt": "2026-10-16",
      "verificationScope": "Product identity and recorded facts checked against official sources. Missing conditions remain unverified.",
      "status": "Listed by official issuer; confirm current application eligibility",
      "calculatorDisabled": true,
      "firstYearFee": null,
      "feeWaiver": "Issuer overview advertises waiver at PEN 1,200 monthly eligible spending; review product-specific twelve-month average and purchase-every-month rules.",
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": null,
      "imageSource": null,
      "special": [],
      "partners": [
        "LATAM Pass miles"
      ],
      "programIds": [
        "latampass"
      ],
      "earningSource": "https://www.viabcp.com/tarjetas/visa-latampass-platinum",
      "eligibility": "Local residence, issuer identification and credit approval required.",
      "note": "Issuer Visa comparison has conflicting broad rates for Classic/Gold/Signature. Detailed pages and current all-card overview take precedence; no numeric PEN earning rate inferred. Membership is separate from balance-based insurance and FX fees. Infinite Sapphire/Iridium fees and waiver conflicts require further research.",
      "feeSource": "https://www.viabcp.com/tarjetas/tarjetas-credito"
    },
    {
      "country": "PE",
      "id": "pe-bcp-visa-signature",
      "issuer": "BCP",
      "name": "Visa Signature LATAM Pass",
      "currency": "PEN",
      "fee": 400,
      "reward": "LATAM Pass miles",
      "rate": null,
      "earn": "1 mile per USD 1 other purchases; 1.25 in specified Peruvian merchant categories eligible spending; billed local currency is separate.",
      "url": "https://www.viabcp.com/tarjetas/visa-latampass-signature",
      "mileageSource": "https://www.viabcp.com/tarjetas/visa-latampass-signature",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "type": "Personal credit card",
      "route": "Eligible purchases accrue to the linked airline loyalty account.",
      "verified": true,
      "verifiedAt": "2026-10-16",
      "verificationScope": "Product identity and recorded facts checked against official sources. Missing conditions remain unverified.",
      "status": "Listed by official issuer; confirm current application eligibility",
      "calculatorDisabled": true,
      "firstYearFee": null,
      "feeWaiver": "Issuer overview advertises waiver at PEN 3,500 monthly eligible spending; review product-specific twelve-month average and purchase-every-month rules.",
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": null,
      "imageSource": null,
      "special": [],
      "partners": [
        "LATAM Pass miles"
      ],
      "programIds": [
        "latampass"
      ],
      "earningSource": "https://www.viabcp.com/tarjetas/visa-latampass-signature",
      "eligibility": "Local residence, issuer identification and credit approval required.",
      "note": "Issuer Visa comparison has conflicting broad rates for Classic/Gold/Signature. Detailed pages and current all-card overview take precedence; no numeric PEN earning rate inferred. Membership is separate from balance-based insurance and FX fees. Infinite Sapphire/Iridium fees and waiver conflicts require further research.",
      "feeSource": "https://www.viabcp.com/tarjetas/tarjetas-credito"
    },
    {
      "country": "PE",
      "id": "pe-bcp-american-express-clasica",
      "issuer": "BCP",
      "name": "American Express Clasica LATAM Pass",
      "currency": "PEN",
      "fee": 80,
      "reward": "LATAM Pass miles",
      "rate": null,
      "earn": "1 mile per USD 2 eligible spending; billed local currency is separate.",
      "url": "https://www.viabcp.com/tarjetas/american-express-clasica",
      "mileageSource": "https://www.viabcp.com/tarjetas/american-express-clasica",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "type": "Personal credit card",
      "route": "Eligible purchases accrue to the linked airline loyalty account.",
      "verified": true,
      "verifiedAt": "2026-10-16",
      "verificationScope": "Product identity and recorded facts checked against official sources. Missing conditions remain unverified.",
      "status": "Listed by official issuer; confirm current application eligibility",
      "calculatorDisabled": true,
      "firstYearFee": null,
      "feeWaiver": "Issuer overview advertises waiver at PEN 1 monthly eligible spending; review product-specific twelve-month average and purchase-every-month rules.",
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": null,
      "imageSource": null,
      "special": [],
      "partners": [
        "LATAM Pass miles"
      ],
      "programIds": [
        "latampass"
      ],
      "earningSource": "https://www.viabcp.com/tarjetas/american-express-clasica",
      "eligibility": "Local residence, issuer identification and credit approval required.",
      "note": "Issuer Visa comparison has conflicting broad rates for Classic/Gold/Signature. Detailed pages and current all-card overview take precedence; no numeric PEN earning rate inferred. Membership is separate from balance-based insurance and FX fees. Infinite Sapphire/Iridium fees and waiver conflicts require further research.",
      "feeSource": "https://www.viabcp.com/tarjetas/tarjetas-credito"
    },
    {
      "country": "PE",
      "id": "pe-bcp-american-express-gold",
      "issuer": "BCP",
      "name": "American Express Gold LATAM Pass",
      "currency": "PEN",
      "fee": 170,
      "reward": "LATAM Pass miles",
      "rate": null,
      "earn": "1 mile per USD 1.5 eligible spending; billed local currency is separate.",
      "url": "https://www.viabcp.com/tarjetas/american-express-gold",
      "mileageSource": "https://www.viabcp.com/tarjetas/american-express-gold",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "type": "Personal credit card",
      "route": "Eligible purchases accrue to the linked airline loyalty account.",
      "verified": true,
      "verifiedAt": "2026-10-16",
      "verificationScope": "Product identity and recorded facts checked against official sources. Missing conditions remain unverified.",
      "status": "Listed by official issuer; confirm current application eligibility",
      "calculatorDisabled": true,
      "firstYearFee": null,
      "feeWaiver": "Issuer overview advertises waiver at PEN 1 monthly eligible spending; review product-specific twelve-month average and purchase-every-month rules.",
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": null,
      "imageSource": null,
      "special": [],
      "partners": [
        "LATAM Pass miles"
      ],
      "programIds": [
        "latampass"
      ],
      "earningSource": "https://www.viabcp.com/tarjetas/american-express-gold",
      "eligibility": "Local residence, issuer identification and credit approval required.",
      "note": "Issuer Visa comparison has conflicting broad rates for Classic/Gold/Signature. Detailed pages and current all-card overview take precedence; no numeric PEN earning rate inferred. Membership is separate from balance-based insurance and FX fees. Infinite Sapphire/Iridium fees and waiver conflicts require further research.",
      "feeSource": "https://www.viabcp.com/tarjetas/tarjetas-credito"
    },
    {
      "country": "PE",
      "id": "pe-bcp-american-express-platinum",
      "issuer": "BCP",
      "name": "American Express Platinum LATAM Pass",
      "currency": "PEN",
      "fee": 350,
      "reward": "LATAM Pass miles",
      "rate": null,
      "earn": "1 mile per USD 1 eligible spending; billed local currency is separate.",
      "url": "https://www.viabcp.com/tarjetas/american-express-platinum",
      "mileageSource": "https://www.viabcp.com/tarjetas/american-express-platinum",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "type": "Personal credit card",
      "route": "Eligible purchases accrue to the linked airline loyalty account.",
      "verified": true,
      "verifiedAt": "2026-10-16",
      "verificationScope": "Product identity and recorded facts checked against official sources. Missing conditions remain unverified.",
      "status": "Listed by official issuer; confirm current application eligibility",
      "calculatorDisabled": true,
      "firstYearFee": null,
      "feeWaiver": "Issuer overview advertises waiver at PEN 1,200 monthly eligible spending; review product-specific twelve-month average and purchase-every-month rules.",
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": null,
      "imageSource": null,
      "special": [],
      "partners": [
        "LATAM Pass miles"
      ],
      "programIds": [
        "latampass"
      ],
      "earningSource": "https://www.viabcp.com/tarjetas/american-express-platinum",
      "eligibility": "Local residence, issuer identification and credit approval required.",
      "note": "Issuer Visa comparison has conflicting broad rates for Classic/Gold/Signature. Detailed pages and current all-card overview take precedence; no numeric PEN earning rate inferred. Membership is separate from balance-based insurance and FX fees. Infinite Sapphire/Iridium fees and waiver conflicts require further research.",
      "feeSource": "https://www.viabcp.com/tarjetas/tarjetas-credito"
    },
    {
      "country": "PE",
      "id": "pe-bcp-american-express-black",
      "issuer": "BCP",
      "name": "American Express Black LATAM Pass",
      "currency": "PEN",
      "fee": 400,
      "reward": "LATAM Pass miles",
      "rate": null,
      "earn": "Up to 1.5 miles per USD 1; confirm merchant categories eligible spending; billed local currency is separate.",
      "url": "https://www.viabcp.com/tarjetas/american-express-black",
      "mileageSource": "https://www.viabcp.com/tarjetas/american-express-black",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "type": "Personal credit card",
      "route": "Eligible purchases accrue to the linked airline loyalty account.",
      "verified": true,
      "verifiedAt": "2026-10-16",
      "verificationScope": "Product identity and recorded facts checked against official sources. Missing conditions remain unverified.",
      "status": "Listed by official issuer; confirm current application eligibility",
      "calculatorDisabled": true,
      "firstYearFee": null,
      "feeWaiver": "Issuer overview advertises waiver at PEN 3,500 monthly eligible spending; review product-specific twelve-month average and purchase-every-month rules.",
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": null,
      "imageSource": null,
      "special": [],
      "partners": [
        "LATAM Pass miles"
      ],
      "programIds": [
        "latampass"
      ],
      "earningSource": "https://www.viabcp.com/tarjetas/american-express-black",
      "eligibility": "Local residence, issuer identification and credit approval required.",
      "note": "Issuer Visa comparison has conflicting broad rates for Classic/Gold/Signature. Detailed pages and current all-card overview take precedence; no numeric PEN earning rate inferred. Membership is separate from balance-based insurance and FX fees. Infinite Sapphire/Iridium fees and waiver conflicts require further research.",
      "feeSource": "https://www.viabcp.com/tarjetas/tarjetas-credito"
    },
    {
      "country": "CL",
      "id": "cl-santander-worldmember-mastercard",
      "issuer": "Santander Chile",
      "name": "WorldMember Mastercard LATAM Pass",
      "currency": "CLP",
      "fee": null,
      "reward": "LATAM Pass miles",
      "rate": null,
      "earn": "0.7 / 0.84 / 1.05 miles per USD 1 eligible purchases at Santander Rewards levels 1 / 2 / 3.",
      "url": "https://banco.santander.cl/personas/tarjetas/viajes/detalles/worldmember-santander-latam-pass",
      "mileageSource": "https://banco.santander.cl/personas/tarjetas/viajes/detalles/worldmember-santander-latam-pass",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "type": "Personal credit card",
      "route": "Eligible purchases accrue to the linked airline loyalty account.",
      "verified": true,
      "verifiedAt": "2026-10-16",
      "verificationScope": "Product identity and recorded facts checked against official sources. Missing conditions remain unverified.",
      "status": "Listed by official issuer; confirm current application eligibility",
      "calculatorDisabled": true,
      "firstYearFee": null,
      "feeWaiver": "Card maintenance zero when included in a qualifying multiproduct banking plan; separate plan charges apply.",
      "rounding": null,
      "pointsExpiry": "Qualifying 7,500 card miles in the review year renew balance for three years, provided no three consecutive months without earning. Full airline terms apply.",
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": null,
      "imageSource": null,
      "special": [],
      "partners": [
        "LATAM Pass miles"
      ],
      "programIds": [
        "latampass"
      ],
      "earningSource": "https://banco.santander.cl/personas/tarjetas/viajes/detalles/worldmember-santander-latam-pass",
      "eligibility": "Age 21+, Chilean nationality or permanent foreign residence, net monthly income above CLP 400,000, acceptable credit record and bank approval.",
      "note": "Standalone maintenance UF 0.34 per month (4.08 UF annualized). UF is inflation-indexed, not CLP; no fixed peso annual fee inferred. Visa Signature variant identified on issuer page. Purchases of fuel, tax, cash, gambling and specified financial transactions excluded. Conditions published for July–December 2026.",
      "feeSource": "https://banco.santander.cl/personas/tarjetas/viajes/detalles/worldmember-santander-latam-pass",
      "termsSource": "https://banco.santander.cl/personas/tarjetas/viajes/detalles/worldmember-santander-latam-pass",
      "income": 400000
    },
    {
      "country": "CL",
      "id": "cl-santander-worldmember-visa",
      "issuer": "Santander Chile",
      "name": "WorldMember Visa LATAM Pass",
      "currency": "CLP",
      "fee": null,
      "reward": "LATAM Pass miles",
      "rate": null,
      "earn": "0.7 / 0.84 / 1.05 miles per USD 1 eligible purchases at Santander Rewards levels 1 / 2 / 3.",
      "url": "https://banco.santander.cl/personas/tarjetas/viajes/detalles/worldmember-santander-latam-pass",
      "mileageSource": "https://banco.santander.cl/personas/tarjetas/viajes/detalles/worldmember-santander-latam-pass",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "type": "Personal credit card",
      "route": "Eligible purchases accrue to the linked airline loyalty account.",
      "verified": true,
      "verifiedAt": "2026-10-16",
      "verificationScope": "Product identity and recorded facts checked against official sources. Missing conditions remain unverified.",
      "status": "Listed by official issuer; confirm current application eligibility",
      "calculatorDisabled": true,
      "firstYearFee": null,
      "feeWaiver": "Card maintenance zero when included in a qualifying multiproduct banking plan; separate plan charges apply.",
      "rounding": null,
      "pointsExpiry": "Qualifying 7,500 card miles in the review year renew balance for three years, provided no three consecutive months without earning. Full airline terms apply.",
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": null,
      "imageSource": null,
      "special": [],
      "partners": [
        "LATAM Pass miles"
      ],
      "programIds": [
        "latampass"
      ],
      "earningSource": "https://banco.santander.cl/personas/tarjetas/viajes/detalles/worldmember-santander-latam-pass",
      "eligibility": "Age 21+, Chilean nationality or permanent foreign residence, net monthly income above CLP 400,000, acceptable credit record and bank approval.",
      "note": "Standalone maintenance UF 0.34 per month (4.08 UF annualized). UF is inflation-indexed, not CLP; no fixed peso annual fee inferred. Visa Signature variant identified on issuer page. Purchases of fuel, tax, cash, gambling and specified financial transactions excluded. Conditions published for July–December 2026.",
      "feeSource": "https://banco.santander.cl/personas/tarjetas/viajes/detalles/worldmember-santander-latam-pass",
      "termsSource": "https://banco.santander.cl/personas/tarjetas/viajes/detalles/worldmember-santander-latam-pass",
      "income": 400000
    },
    {
      "country": "CL",
      "id": "cl-santander-worldmember-american-express",
      "issuer": "Santander Chile",
      "name": "WorldMember American Express LATAM Pass",
      "currency": "CLP",
      "fee": null,
      "reward": "LATAM Pass miles",
      "rate": null,
      "earn": "0.7 / 0.84 / 1.05 miles per USD 1 eligible purchases at Santander Rewards levels 1 / 2 / 3.",
      "url": "https://banco.santander.cl/personas/tarjetas/viajes/detalles/worldmember-santander-latam-pass",
      "mileageSource": "https://banco.santander.cl/personas/tarjetas/viajes/detalles/worldmember-santander-latam-pass",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "type": "Personal credit card",
      "route": "Eligible purchases accrue to the linked airline loyalty account.",
      "verified": true,
      "verifiedAt": "2026-10-16",
      "verificationScope": "Product identity and recorded facts checked against official sources. Missing conditions remain unverified.",
      "status": "Listed by official issuer; confirm current application eligibility",
      "calculatorDisabled": true,
      "firstYearFee": null,
      "feeWaiver": "Card maintenance zero when included in a qualifying multiproduct banking plan; separate plan charges apply.",
      "rounding": null,
      "pointsExpiry": "Qualifying 7,500 card miles in the review year renew balance for three years, provided no three consecutive months without earning. Full airline terms apply.",
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": null,
      "imageSource": null,
      "special": [],
      "partners": [
        "LATAM Pass miles"
      ],
      "programIds": [
        "latampass"
      ],
      "earningSource": "https://banco.santander.cl/personas/tarjetas/viajes/detalles/worldmember-santander-latam-pass",
      "eligibility": "Age 21+, Chilean nationality or permanent foreign residence, net monthly income above CLP 400,000, acceptable credit record and bank approval.",
      "note": "Standalone maintenance UF 0.34 per month (4.08 UF annualized). UF is inflation-indexed, not CLP; no fixed peso annual fee inferred. Visa Signature variant identified on issuer page. Purchases of fuel, tax, cash, gambling and specified financial transactions excluded. Conditions published for July–December 2026.",
      "feeSource": "https://banco.santander.cl/personas/tarjetas/viajes/detalles/worldmember-santander-latam-pass",
      "termsSource": "https://banco.santander.cl/personas/tarjetas/viajes/detalles/worldmember-santander-latam-pass",
      "income": 400000
    },
    {
      "country": "CL",
      "id": "cl-santander-worldmember-limited-mastercard",
      "issuer": "Santander Chile",
      "name": "WorldMember Limited Mastercard LATAM Pass",
      "currency": "CLP",
      "fee": null,
      "reward": "LATAM Pass miles",
      "rate": null,
      "earn": "0.8 / 0.96 / 1.2 miles per USD 1 eligible purchases at Santander Rewards levels 1 / 2 / 3.",
      "url": "https://banco.santander.cl/personas/tarjetas-de-credito/worldmember-limited-santander-latam-pass",
      "mileageSource": "https://banco.santander.cl/personas/tarjetas-de-credito/worldmember-limited-santander-latam-pass",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "type": "Personal credit card",
      "route": "Eligible purchases accrue to the linked airline loyalty account.",
      "verified": true,
      "verifiedAt": "2026-10-16",
      "verificationScope": "Product identity and recorded facts checked against official sources. Missing conditions remain unverified.",
      "status": "Listed by official issuer; confirm current application eligibility",
      "calculatorDisabled": true,
      "firstYearFee": null,
      "feeWaiver": "Card maintenance zero when included in a qualifying multiproduct banking plan; separate plan charges apply.",
      "rounding": null,
      "pointsExpiry": "Qualifying 7,500 card miles in the review year renew balance for three years, provided no three consecutive months without earning. Full airline terms apply.",
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": null,
      "imageSource": null,
      "special": [],
      "partners": [
        "LATAM Pass miles"
      ],
      "programIds": [
        "latampass"
      ],
      "earningSource": "https://banco.santander.cl/personas/tarjetas-de-credito/worldmember-limited-santander-latam-pass",
      "eligibility": "Age 21+, Chilean nationality or permanent foreign residence, net monthly income above CLP 2,500,000, acceptable credit record and bank approval.",
      "note": "Standalone maintenance UF 0.60 per month (7.20 UF annualized). UF is inflation-indexed, not CLP; no fixed peso annual fee inferred. Visa Infinite variant identified on issuer page. Purchases of fuel, tax, cash, gambling and specified financial transactions excluded. Conditions published for July–December 2026.",
      "feeSource": "https://banco.santander.cl/personas/tarjetas-de-credito/worldmember-limited-santander-latam-pass",
      "termsSource": "https://banco.santander.cl/personas/tarjetas-de-credito/worldmember-limited-santander-latam-pass",
      "income": 2500000
    },
    {
      "country": "CL",
      "id": "cl-santander-worldmember-limited-visa",
      "issuer": "Santander Chile",
      "name": "WorldMember Limited Visa LATAM Pass",
      "currency": "CLP",
      "fee": null,
      "reward": "LATAM Pass miles",
      "rate": null,
      "earn": "0.8 / 0.96 / 1.2 miles per USD 1 eligible purchases at Santander Rewards levels 1 / 2 / 3.",
      "url": "https://banco.santander.cl/personas/tarjetas-de-credito/worldmember-limited-santander-latam-pass",
      "mileageSource": "https://banco.santander.cl/personas/tarjetas-de-credito/worldmember-limited-santander-latam-pass",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "type": "Personal credit card",
      "route": "Eligible purchases accrue to the linked airline loyalty account.",
      "verified": true,
      "verifiedAt": "2026-10-16",
      "verificationScope": "Product identity and recorded facts checked against official sources. Missing conditions remain unverified.",
      "status": "Listed by official issuer; confirm current application eligibility",
      "calculatorDisabled": true,
      "firstYearFee": null,
      "feeWaiver": "Card maintenance zero when included in a qualifying multiproduct banking plan; separate plan charges apply.",
      "rounding": null,
      "pointsExpiry": "Qualifying 7,500 card miles in the review year renew balance for three years, provided no three consecutive months without earning. Full airline terms apply.",
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": null,
      "imageSource": null,
      "special": [],
      "partners": [
        "LATAM Pass miles"
      ],
      "programIds": [
        "latampass"
      ],
      "earningSource": "https://banco.santander.cl/personas/tarjetas-de-credito/worldmember-limited-santander-latam-pass",
      "eligibility": "Age 21+, Chilean nationality or permanent foreign residence, net monthly income above CLP 2,500,000, acceptable credit record and bank approval.",
      "note": "Standalone maintenance UF 0.60 per month (7.20 UF annualized). UF is inflation-indexed, not CLP; no fixed peso annual fee inferred. Visa Infinite variant identified on issuer page. Purchases of fuel, tax, cash, gambling and specified financial transactions excluded. Conditions published for July–December 2026.",
      "feeSource": "https://banco.santander.cl/personas/tarjetas-de-credito/worldmember-limited-santander-latam-pass",
      "termsSource": "https://banco.santander.cl/personas/tarjetas-de-credito/worldmember-limited-santander-latam-pass",
      "income": 2500000
    },
    {
      "country": "CL",
      "id": "cl-santander-worldmember-limited-american-express",
      "issuer": "Santander Chile",
      "name": "WorldMember Limited American Express LATAM Pass",
      "currency": "CLP",
      "fee": null,
      "reward": "LATAM Pass miles",
      "rate": null,
      "earn": "0.8 / 0.96 / 1.2 miles per USD 1 eligible purchases at Santander Rewards levels 1 / 2 / 3.",
      "url": "https://banco.santander.cl/personas/tarjetas-de-credito/worldmember-limited-santander-latam-pass",
      "mileageSource": "https://banco.santander.cl/personas/tarjetas-de-credito/worldmember-limited-santander-latam-pass",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "type": "Personal credit card",
      "route": "Eligible purchases accrue to the linked airline loyalty account.",
      "verified": true,
      "verifiedAt": "2026-10-16",
      "verificationScope": "Product identity and recorded facts checked against official sources. Missing conditions remain unverified.",
      "status": "Listed by official issuer; confirm current application eligibility",
      "calculatorDisabled": true,
      "firstYearFee": null,
      "feeWaiver": "Card maintenance zero when included in a qualifying multiproduct banking plan; separate plan charges apply.",
      "rounding": null,
      "pointsExpiry": "Qualifying 7,500 card miles in the review year renew balance for three years, provided no three consecutive months without earning. Full airline terms apply.",
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": null,
      "imageSource": null,
      "special": [],
      "partners": [
        "LATAM Pass miles"
      ],
      "programIds": [
        "latampass"
      ],
      "earningSource": "https://banco.santander.cl/personas/tarjetas-de-credito/worldmember-limited-santander-latam-pass",
      "eligibility": "Age 21+, Chilean nationality or permanent foreign residence, net monthly income above CLP 2,500,000, acceptable credit record and bank approval.",
      "note": "Standalone maintenance UF 0.60 per month (7.20 UF annualized). UF is inflation-indexed, not CLP; no fixed peso annual fee inferred. Visa Infinite variant identified on issuer page. Purchases of fuel, tax, cash, gambling and specified financial transactions excluded. Conditions published for July–December 2026.",
      "feeSource": "https://banco.santander.cl/personas/tarjetas-de-credito/worldmember-limited-santander-latam-pass",
      "termsSource": "https://banco.santander.cl/personas/tarjetas-de-credito/worldmember-limited-santander-latam-pass",
      "income": 2500000
    },
    {
      "country": "CO",
      "id": "co-bancolombia-lifemiles-visa",
      "issuer": "Bancolombia",
      "name": "avianca LifeMiles Visa",
      "currency": "COP",
      "fee": null,
      "reward": "LifeMiles",
      "rate": null,
      "earn": "1 mile per USD 1 equivalent other purchases; 1.5 international purchases and 2 Avianca purchases.",
      "url": "https://www.bancolombia.com/personas/tarjetas-de-credito/visa/lifemiles/estacional-personas-tarjeta-credito-visa-tdc",
      "mileageSource": "https://www.bancolombia.com/personas/tarjetas-de-credito/visa/lifemiles/estacional-personas-tarjeta-credito-visa-tdc",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "type": "Personal credit card",
      "route": "Eligible purchases accrue to the linked airline loyalty account.",
      "verified": true,
      "verifiedAt": "2026-10-16",
      "verificationScope": "Product identity and recorded facts checked against official sources. Missing conditions remain unverified.",
      "status": "Listed by official issuer; confirm current application eligibility",
      "calculatorDisabled": true,
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": "public/assets/cards/co-bancolombia-lifemiles-visa.png",
      "imageSource": "https://www.bancolombia.com/personas/tarjetas-de-credito/visa/lifemiles/estacional-personas-tarjeta-credito-visa-tdc",
      "special": [],
      "partners": [
        "LifeMiles"
      ],
      "programIds": [
        "lifemiles"
      ],
      "earningSource": "https://www.bancolombia.com/personas/tarjetas-de-credito/visa/lifemiles/estacional-personas-tarjeta-credito-visa-tdc",
      "eligibility": "Age 18–84; income from two Colombian statutory monthly minimum salaries; credit approval applies.",
      "note": "Product page displays COP 43,850 management charge without an explicit period in the retrieved table; annual fee remains unknown until current tariff cadence is confirmed. Do not infer zero. Other issuers and products remain unreviewed.",
      "feeSource": "https://www.bancolombia.com/personas/tarjetas-de-credito/visa/lifemiles/estacional-personas-tarjeta-credito-visa-tdc",
      "imageOriginal": "https://www.bancolombia.com/wcm/connect/www.bancolombia.com-26918/47ef530b-4bb2-4d47-9d18-256d5f2499ea/BC_VISA_LIFEMILE_PERSONAS_BC_VISA_LIFEMILE_PERSONAS_TIRO.png?MOD=AJPERES"
    },
    {
      "country": "GT",
      "id": "gt-bac-connectmiles-platinum-visa-visa",
      "issuer": "BAC",
      "name": "ConnectMiles Platinum VISA",
      "currency": "GTQ",
      "fee": 777,
      "reward": "ConnectMiles",
      "rate": null,
      "earn": "1 mile per USD 1 equivalent other purchases; 2 through designated Copa channels.",
      "url": "https://www.baccredomatic.com/es-gt/personas/tarjetas/viajes/connectmiles-platinum-visa/visa/platino",
      "mileageSource": "https://www.baccredomatic.com/es-gt/personas/tarjetas/viajes/connectmiles-platinum-visa/visa/platino",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "type": "Personal credit card",
      "route": "Eligible purchases earn rewards in the linked airline loyalty account.",
      "verified": true,
      "verifiedAt": "2026-10-17",
      "verificationScope": "Official product identity and recorded facts checked. Missing conditions remain unverified.",
      "status": "Listed by official issuer; confirm new-application availability",
      "calculatorDisabled": true,
      "firstYearFee": 0,
      "feeWaiver": "Refund may be requested after GTQ 48,000 eligible annual purchases. Confirm exclusions and refund procedure.",
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": null,
      "imageSource": null,
      "special": [],
      "partners": [
        "ConnectMiles"
      ],
      "programIds": [
        "connectmiles"
      ],
      "earningSource": "https://www.baccredomatic.com/es-gt/personas/tarjetas/viajes/connectmiles-platinum-visa/visa/platino",
      "eligibility": "Local issuer identification, residence, income and credit assessment requirements apply.",
      "note": "USD-equivalent earning and local billing are separate.",
      "feeSource": "https://www.baccredomatic.com/es-gt/personas/tarjetas/viajes/connectmiles-platinum-visa/visa/platino"
    },
    {
      "country": "GT",
      "id": "gt-bac-aadvantage-gold-american-express-american-express",
      "issuer": "BAC",
      "name": "AAdvantage Gold American Express",
      "currency": "GTQ",
      "fee": 487,
      "reward": "AAdvantage miles",
      "rate": null,
      "earn": "1 AAdvantage miles per USD 1 equivalent eligible ordinary purchases.",
      "url": "https://www.baccredomatic.com/es-gt/personas/tarjetas/viajes/aadvantage-gold-american-express/american-express/dorada",
      "mileageSource": "https://www.baccredomatic.com/es-gt/personas/tarjetas/viajes/aadvantage-gold-american-express/american-express/dorada",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "type": "Personal credit card",
      "route": "Eligible purchases earn rewards in the linked airline loyalty account.",
      "verified": true,
      "verifiedAt": "2026-10-17",
      "verificationScope": "Official product identity and recorded facts checked. Missing conditions remain unverified.",
      "status": "Listed by official issuer; confirm new-application availability",
      "calculatorDisabled": true,
      "firstYearFee": 0,
      "feeWaiver": "Refund may be requested after GTQ 24,000 eligible annual purchases. Confirm exclusions and refund procedure.",
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": null,
      "imageSource": null,
      "special": [],
      "partners": [
        "AAdvantage miles"
      ],
      "programIds": [
        "aadvantage"
      ],
      "earningSource": "https://www.baccredomatic.com/es-gt/personas/tarjetas/viajes/aadvantage-gold-american-express/american-express/dorada",
      "eligibility": "Local issuer identification, residence, income and credit assessment requirements apply.",
      "note": "USD-equivalent earning and local billing are separate.",
      "feeSource": "https://www.baccredomatic.com/es-gt/personas/tarjetas/viajes/aadvantage-gold-american-express/american-express/dorada"
    },
    {
      "country": "GT",
      "id": "gt-bac-connectmiles-infinite-visa-visa",
      "issuer": "BAC",
      "name": "ConnectMiles Infinite VISA",
      "currency": "GTQ",
      "fee": null,
      "reward": "ConnectMiles",
      "rate": null,
      "earn": "1 mile per USD 1 equivalent other purchases; 2 at eligible supermarkets/fuel and 3 through designated Copa channels.",
      "url": "https://www.baccredomatic.com/es-gt/personas/tarjetas/viajes/connectmiles-infinite-visa/visa/infinite",
      "mileageSource": "https://www.baccredomatic.com/es-gt/personas/tarjetas/viajes/connectmiles-infinite-visa/visa/infinite",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "type": "Personal credit card",
      "route": "Eligible purchases earn rewards in the linked airline loyalty account.",
      "verified": true,
      "verifiedAt": "2026-10-17",
      "verificationScope": "Official product identity and recorded facts checked. Missing conditions remain unverified.",
      "status": "Listed by official issuer; confirm new-application availability",
      "calculatorDisabled": true,
      "firstYearFee": 0,
      "feeWaiver": "Refund may be requested after USD 30,000 eligible annual purchases. Confirm exclusions and refund procedure.",
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": null,
      "imageSource": null,
      "special": [],
      "partners": [
        "ConnectMiles"
      ],
      "programIds": [
        "connectmiles"
      ],
      "earningSource": "https://www.baccredomatic.com/es-gt/personas/tarjetas/viajes/connectmiles-infinite-visa/visa/infinite",
      "eligibility": "Local issuer identification, residence, income and credit assessment requirements apply.",
      "note": "USD-equivalent earning and local billing are separate. Renewal fee USD 200; not converted to GTQ. Issuer also quotes earning per GTQ 8; no exchange rate inferred.",
      "feeSource": "https://www.baccredomatic.com/es-gt/personas/tarjetas/viajes/connectmiles-infinite-visa/visa/infinite"
    },
    {
      "country": "GT",
      "id": "gt-bac-aadvantage-platinum-american-express-american-express",
      "issuer": "BAC",
      "name": "AAdvantage Platinum American Express",
      "currency": "GTQ",
      "fee": 777,
      "reward": "AAdvantage miles",
      "rate": null,
      "earn": "1 AAdvantage miles per USD 1 equivalent eligible ordinary purchases.",
      "url": "https://www.baccredomatic.com/es-gt/personas/tarjetas/viajes/aadvantage-platinum-american-express/american-express/platinum",
      "mileageSource": "https://www.baccredomatic.com/es-gt/personas/tarjetas/viajes/aadvantage-platinum-american-express/american-express/platinum",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "type": "Personal credit card",
      "route": "Eligible purchases earn rewards in the linked airline loyalty account.",
      "verified": true,
      "verifiedAt": "2026-10-17",
      "verificationScope": "Official product identity and recorded facts checked. Missing conditions remain unverified.",
      "status": "Listed by official issuer; confirm new-application availability",
      "calculatorDisabled": true,
      "firstYearFee": 0,
      "feeWaiver": "Refund may be requested after GTQ 48,000 eligible annual purchases. Confirm exclusions and refund procedure.",
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": null,
      "imageSource": null,
      "special": [],
      "partners": [
        "AAdvantage miles"
      ],
      "programIds": [
        "aadvantage"
      ],
      "earningSource": "https://www.baccredomatic.com/es-gt/personas/tarjetas/viajes/aadvantage-platinum-american-express/american-express/platinum",
      "eligibility": "Local issuer identification, residence, income and credit assessment requirements apply.",
      "note": "USD-equivalent earning and local billing are separate.",
      "feeSource": "https://www.baccredomatic.com/es-gt/personas/tarjetas/viajes/aadvantage-platinum-american-express/american-express/platinum"
    },
    {
      "country": "GT",
      "id": "gt-bac-aadvantage-prestige-american-express-american-express",
      "issuer": "BAC",
      "name": "AAdvantage Prestige American Express",
      "currency": "GTQ",
      "fee": null,
      "reward": "AAdvantage miles",
      "rate": null,
      "earn": "1.25 AAdvantage miles per USD 1 equivalent eligible ordinary purchases.",
      "url": "https://www.baccredomatic.com/es-gt/personas/tarjetas/destacadas/aadvantage-prestige-american-express/american-express/black",
      "mileageSource": "https://www.baccredomatic.com/es-gt/personas/tarjetas/destacadas/aadvantage-prestige-american-express/american-express/black",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "type": "Personal credit card",
      "route": "Eligible purchases earn rewards in the linked airline loyalty account.",
      "verified": true,
      "verifiedAt": "2026-10-17",
      "verificationScope": "Official product identity and recorded facts checked. Missing conditions remain unverified.",
      "status": "Listed by official issuer; confirm new-application availability",
      "calculatorDisabled": true,
      "firstYearFee": 0,
      "feeWaiver": "Refund may be requested after USD 30,000 eligible annual purchases. Confirm exclusions and refund procedure.",
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": null,
      "imageSource": null,
      "special": [],
      "partners": [
        "AAdvantage miles"
      ],
      "programIds": [
        "aadvantage"
      ],
      "earningSource": "https://www.baccredomatic.com/es-gt/personas/tarjetas/destacadas/aadvantage-prestige-american-express/american-express/black",
      "eligibility": "Local issuer identification, residence, income and credit assessment requirements apply.",
      "note": "USD-equivalent earning and local billing are separate. Renewal fee USD 200; not converted to GTQ.",
      "feeSource": "https://www.baccredomatic.com/es-gt/personas/tarjetas/destacadas/aadvantage-prestige-american-express/american-express/black"
    },
    {
      "country": "GT",
      "id": "gt-bac-avianca-lifemiles-elite-american-express-american-express",
      "issuer": "BAC",
      "name": "avianca Lifemiles Elite American Express",
      "currency": "GTQ",
      "fee": null,
      "reward": "LifeMiles",
      "rate": null,
      "earn": "2 LifeMiles per USD 1 equivalent eligible ordinary purchases.",
      "url": "https://www.baccredomatic.com/es-gt/personas/tarjetas/destacadas/avianca-lifemiles-elite-american-express/american-express/black",
      "mileageSource": "https://www.baccredomatic.com/es-gt/personas/tarjetas/destacadas/avianca-lifemiles-elite-american-express/american-express/black",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "type": "Personal credit card",
      "route": "Eligible purchases earn rewards in the linked airline loyalty account.",
      "verified": true,
      "verifiedAt": "2026-10-17",
      "verificationScope": "Official product identity and recorded facts checked. Missing conditions remain unverified.",
      "status": "Listed by official issuer; confirm new-application availability",
      "calculatorDisabled": true,
      "firstYearFee": 0,
      "feeWaiver": "Refund may be requested after USD 30,000 eligible annual purchases. Confirm exclusions and refund procedure.",
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      ],
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      "note": "USD-equivalent earning and local billing are separate. Renewal fee USD 200; not converted to GTQ.",
      "feeSource": "https://www.baccredomatic.com/es-gt/personas/tarjetas/destacadas/avianca-lifemiles-elite-american-express/american-express/black"
    },
    {
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      "id": "gt-bac-avianca-lifemiles-platinum-american-express-american-express",
      "issuer": "BAC",
      "name": "avianca Lifemiles Platinum American Express",
      "currency": "GTQ",
      "fee": 777,
      "reward": "LifeMiles",
      "rate": null,
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      "route": "Eligible purchases earn rewards in the linked airline loyalty account.",
      "verified": true,
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      "verificationScope": "Official product identity and recorded facts checked. Missing conditions remain unverified.",
      "status": "Listed by official issuer; confirm new-application availability",
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      "firstYearFee": 0,
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      "feeSource": "https://www.baccredomatic.com/es-gt/personas/tarjetas/viajes/avianca-lifemiles-platinum-american-express/american-express/platinum"
    },
    {
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      "id": "gt-bac-avianca-lifemiles-gold-american-express-american-express",
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      "name": "avianca Lifemiles Gold American Express",
      "currency": "GTQ",
      "fee": 487,
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      "status": "Listed by official issuer; confirm new-application availability",
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    {
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      "name": "avianca Lifemiles Infinite Visa",
      "currency": "GTQ",
      "fee": null,
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      "status": "Listed by official issuer; confirm new-application availability",
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      "fee": 777,
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      "status": "Listed by official issuer; confirm new-application availability",
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      "feeSource": "https://www.baccredomatic.com/es-gt/personas/tarjetas/viajes/avianca-lifemiles-platinum-visa/visa/platino"
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      "name": "avianca Lifemiles Gold Visa",
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      "fee": 487,
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      "status": "Listed by official issuer; confirm new-application availability",
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      "feeSource": "https://www.baccredomatic.com/es-gt/personas/tarjetas/viajes/avianca-lifemiles-gold-visa/visa/dorada1"
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      "name": "avianca Lifemiles Black Mastercard",
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      "feeSource": "https://www.baccredomatic.com/es-gt/personas/tarjetas/viajes/avianca-lifemiles-gold-mastercard/mastercard/dorada"
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      "note": "USD-equivalent earning and local billing are separate.",
      "feeSource": "https://www.baccredomatic.com/es-gt/personas/tarjetas/viajes/aadvantage-mastercard-platinum/mastercard/platino"
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    {
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      "note": "USD-equivalent earning and local billing are separate. Renewal fee USD 200; not converted to GTQ.",
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    {
      "country": "GT",
      "id": "gt-bac-aadvantage-dorada-mastercard-mastercard",
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      "fee": 487,
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      "note": "USD-equivalent earning and local billing are separate.",
      "feeSource": "https://www.baccredomatic.com/es-gt/personas/tarjetas/viajes/aadvantage-dorada-mastercard/mastercard/dorada"
    },
    {
      "country": "GT",
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      "transferFee": null,
      "processingTime": null,
      "image": null,
      "imageSource": null,
      "special": [],
      "partners": [
        "AAdvantage miles"
      ],
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        "aadvantage"
      ],
      "earningSource": "https://www.baccredomatic.com/es-gt/personas/tarjetas/viajes/aadvantage-visa-dorada/visa/dorada",
      "eligibility": "Local issuer identification, residence, income and credit assessment requirements apply.",
      "note": "USD-equivalent earning and local billing are separate.",
      "feeSource": "https://www.baccredomatic.com/es-gt/personas/tarjetas/viajes/aadvantage-visa-dorada/visa/dorada"
    },
    {
      "country": "GT",
      "id": "gt-bac-aadvantage-visa-platinum-visa",
      "issuer": "BAC",
      "name": "AAdvantage Visa Platinum",
      "currency": "GTQ",
      "fee": 777,
      "reward": "AAdvantage miles",
      "rate": null,
      "earn": "1 AAdvantage miles per USD 1 equivalent eligible ordinary purchases.",
      "url": "https://www.baccredomatic.com/es-gt/personas/tarjetas/viajes/aadvantage-visa-platinum/visa/platino",
      "mileageSource": "https://www.baccredomatic.com/es-gt/personas/tarjetas/viajes/aadvantage-visa-platinum/visa/platino",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "type": "Personal credit card",
      "route": "Eligible purchases earn rewards in the linked airline loyalty account.",
      "verified": true,
      "verifiedAt": "2026-10-17",
      "verificationScope": "Official product identity and recorded facts checked. Missing conditions remain unverified.",
      "status": "Listed by official issuer; confirm new-application availability",
      "calculatorDisabled": true,
      "firstYearFee": 0,
      "feeWaiver": "Refund may be requested after GTQ 48,000 eligible annual purchases. Confirm exclusions and refund procedure.",
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      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": null,
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      "special": [],
      "partners": [
        "AAdvantage miles"
      ],
      "programIds": [
        "aadvantage"
      ],
      "earningSource": "https://www.baccredomatic.com/es-gt/personas/tarjetas/viajes/aadvantage-visa-platinum/visa/platino",
      "eligibility": "Local issuer identification, residence, income and credit assessment requirements apply.",
      "note": "USD-equivalent earning and local billing are separate.",
      "feeSource": "https://www.baccredomatic.com/es-gt/personas/tarjetas/viajes/aadvantage-visa-platinum/visa/platino"
    },
    {
      "country": "GT",
      "id": "gt-bac-aadvantage-visa-infinite-visa",
      "issuer": "BAC",
      "name": "AAdvantage Visa Infinite",
      "currency": "GTQ",
      "fee": null,
      "reward": "AAdvantage miles",
      "rate": null,
      "earn": "1.25 AAdvantage miles per USD 1 equivalent eligible ordinary purchases.",
      "url": "https://www.baccredomatic.com/es-gt/personas/tarjetas/viajes/aadvantage-visa-infinite/visa/infinite",
      "mileageSource": "https://www.baccredomatic.com/es-gt/personas/tarjetas/viajes/aadvantage-visa-infinite/visa/infinite",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "type": "Personal credit card",
      "route": "Eligible purchases earn rewards in the linked airline loyalty account.",
      "verified": true,
      "verifiedAt": "2026-10-17",
      "verificationScope": "Official product identity and recorded facts checked. Missing conditions remain unverified.",
      "status": "Listed by official issuer; confirm new-application availability",
      "calculatorDisabled": true,
      "firstYearFee": 0,
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      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": null,
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        "AAdvantage miles"
      ],
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      ],
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      "eligibility": "Local issuer identification, residence, income and credit assessment requirements apply.",
      "note": "USD-equivalent earning and local billing are separate. Renewal fee USD 200; not converted to GTQ.",
      "feeSource": "https://www.baccredomatic.com/es-gt/personas/tarjetas/viajes/aadvantage-visa-infinite/visa/infinite"
    },
    {
      "country": "SV",
      "id": "sv-bac-lifemiles-visa-infinite-visa",
      "issuer": "BAC",
      "name": "lifemiles Visa Infinite",
      "currency": "USD",
      "fee": null,
      "reward": "LifeMiles",
      "rate": 2,
      "earn": "2 LifeMiles per USD 1 equivalent eligible ordinary purchases.",
      "url": "https://www.baccredomatic.com/es-sv/personas/tarjetas/destacadas/lifemiles-visa-infinite/visa/infinite",
      "mileageSource": "https://www.baccredomatic.com/es-sv/personas/tarjetas/destacadas/lifemiles-visa-infinite/visa/infinite",
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      "type": "Personal credit card",
      "route": "Eligible purchases earn rewards in the linked airline loyalty account.",
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      "verificationScope": "Official product identity and recorded facts checked. Missing conditions remain unverified.",
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      "image": null,
      "imageSource": null,
      "special": [],
      "partners": [
        "LifeMiles"
      ],
      "programIds": [
        "lifemiles"
      ],
      "earningSource": "https://www.baccredomatic.com/es-sv/personas/tarjetas/destacadas/lifemiles-visa-infinite/visa/infinite",
      "eligibility": "Local issuer identification, residence, income and credit assessment requirements apply.",
      "note": "USD-equivalent earning and local billing are separate.",
      "feeSource": null
    },
    {
      "country": "SV",
      "id": "sv-bac-lifemiles-visa-platinum-visa",
      "issuer": "BAC",
      "name": "lifemiles Visa Platinum",
      "currency": "USD",
      "fee": null,
      "reward": "LifeMiles",
      "rate": 1.5,
      "earn": "1.5 LifeMiles per USD 1 equivalent eligible ordinary purchases.",
      "url": "https://www.baccredomatic.com/es-sv/personas/tarjetas/destacadas/lifemiles-visa-platinum/visa/platino",
      "mileageSource": "https://www.baccredomatic.com/es-sv/personas/tarjetas/destacadas/lifemiles-visa-platinum/visa/platino",
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      "mileageRoute": "Direct miles",
      "type": "Personal credit card",
      "route": "Eligible purchases earn rewards in the linked airline loyalty account.",
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      "verificationScope": "Official product identity and recorded facts checked. Missing conditions remain unverified.",
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        "LifeMiles"
      ],
      "programIds": [
        "lifemiles"
      ],
      "earningSource": "https://www.baccredomatic.com/es-sv/personas/tarjetas/destacadas/lifemiles-visa-platinum/visa/platino",
      "eligibility": "Local issuer identification, residence, income and credit assessment requirements apply.",
      "note": "USD-equivalent earning and local billing are separate.",
      "feeSource": null
    },
    {
      "country": "SV",
      "id": "sv-bac-lifemiles-visa-gold-visa",
      "issuer": "BAC",
      "name": "lifemiles Visa Gold",
      "currency": "USD",
      "fee": null,
      "reward": "LifeMiles",
      "rate": 1.25,
      "earn": "1.25 LifeMiles per USD 1 equivalent eligible ordinary purchases.",
      "url": "https://www.baccredomatic.com/es-sv/personas/tarjetas/destacadas/lifemiles-visa-gold/visa/dorada",
      "mileageSource": "https://www.baccredomatic.com/es-sv/personas/tarjetas/destacadas/lifemiles-visa-gold/visa/dorada",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "type": "Personal credit card",
      "route": "Eligible purchases earn rewards in the linked airline loyalty account.",
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      "verificationScope": "Official product identity and recorded facts checked. Missing conditions remain unverified.",
      "status": "Listed by official issuer; confirm new-application availability",
      "calculatorDisabled": true,
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      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
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      "transferFee": null,
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      "image": null,
      "imageSource": null,
      "special": [],
      "partners": [
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      ],
      "programIds": [
        "lifemiles"
      ],
      "earningSource": "https://www.baccredomatic.com/es-sv/personas/tarjetas/destacadas/lifemiles-visa-gold/visa/dorada",
      "eligibility": "Local issuer identification, residence, income and credit assessment requirements apply.",
      "note": "USD-equivalent earning and local billing are separate.",
      "feeSource": null
    },
    {
      "country": "SV",
      "id": "sv-bac-aadvantager-prestige-american-express-american-express",
      "issuer": "BAC",
      "name": "AAdvantage Prestige American Express",
      "currency": "USD",
      "fee": null,
      "reward": "AAdvantage miles",
      "rate": 2,
      "earn": "2 AAdvantage miles per USD 1 equivalent eligible ordinary purchases.",
      "url": "https://www.baccredomatic.com/es-sv/personas/tarjetas/destacadas/aadvantager-prestige-american-express/american-express/prestige",
      "mileageSource": "https://www.baccredomatic.com/es-sv/personas/tarjetas/destacadas/aadvantager-prestige-american-express/american-express/prestige",
      "mileageEligible": true,
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      "type": "Personal credit card",
      "route": "Eligible purchases earn rewards in the linked airline loyalty account.",
      "verified": true,
      "verifiedAt": "2026-10-17",
      "verificationScope": "Official product identity and recorded facts checked. Missing conditions remain unverified.",
      "status": "Listed by official issuer; confirm new-application availability",
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      "programIds": [
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      ],
      "earningSource": "https://www.baccredomatic.com/es-sv/personas/tarjetas/destacadas/aadvantager-prestige-american-express/american-express/prestige",
      "eligibility": "Local issuer identification, residence, income and credit assessment requirements apply.",
      "note": "USD-equivalent earning and local billing are separate.  American Airlines purchases earn 3 miles/USD; other eligible purchases 2. Older expiry statements on issuer pages require airline reconfirmation.",
      "feeSource": null
    },
    {
      "country": "SV",
      "id": "sv-bac-connectmiles-dorada-visa-visa",
      "issuer": "BAC",
      "name": "ConnectMiles Dorada VISA",
      "currency": "USD",
      "fee": null,
      "reward": "ConnectMiles",
      "rate": 1,
      "earn": "1 mile per USD 1 equivalent other purchases; 2 through designated Copa channels.",
      "url": "https://www.baccredomatic.com/es-sv/personas/tarjetas/viajes/connectmiles-dorada-visa/visa/dorada",
      "mileageSource": "https://www.baccredomatic.com/es-sv/personas/tarjetas/viajes/connectmiles-dorada-visa/visa/dorada",
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      "route": "Eligible purchases earn rewards in the linked airline loyalty account.",
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      "verificationScope": "Official product identity and recorded facts checked. Missing conditions remain unverified.",
      "status": "Listed by official issuer; confirm new-application availability",
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      "transferFee": null,
      "processingTime": null,
      "image": null,
      "imageSource": null,
      "special": [],
      "partners": [
        "ConnectMiles"
      ],
      "programIds": [
        "connectmiles"
      ],
      "earningSource": "https://www.baccredomatic.com/es-sv/personas/tarjetas/viajes/connectmiles-dorada-visa/visa/dorada",
      "eligibility": "Local issuer identification, residence, income and credit assessment requirements apply.",
      "note": "USD-equivalent earning and local billing are separate.",
      "feeSource": null
    },
    {
      "country": "SV",
      "id": "sv-bac-connectmiles-visa",
      "issuer": "BAC",
      "name": "ConnectMiles Platino VISA",
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      "fee": null,
      "reward": "ConnectMiles",
      "rate": 1,
      "earn": "1 mile per USD 1 equivalent other purchases; 2 through designated Copa channels.",
      "url": "https://www.baccredomatic.com/es-sv/personas/tarjetas/connectmiles/visa/platino",
      "mileageSource": "https://www.baccredomatic.com/es-sv/personas/tarjetas/connectmiles/visa/platino",
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      "status": "Listed by official issuer; confirm new-application availability",
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      ],
      "programIds": [
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      ],
      "earningSource": "https://www.baccredomatic.com/es-sv/personas/tarjetas/connectmiles/visa/platino",
      "eligibility": "Local issuer identification, residence, income and credit assessment requirements apply.",
      "note": "USD-equivalent earning and local billing are separate.",
      "feeSource": null
    },
    {
      "country": "SV",
      "id": "sv-bac-connectmiles-infinite-visa-visa",
      "issuer": "BAC",
      "name": "ConnectMiles Infinite VISA",
      "currency": "USD",
      "fee": null,
      "reward": "ConnectMiles",
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      "url": "https://www.baccredomatic.com/es-sv/personas/tarjetas/viajes/connectmiles-infinite-visa/visa/infinite",
      "mileageSource": "https://www.baccredomatic.com/es-sv/personas/tarjetas/viajes/connectmiles-infinite-visa/visa/infinite",
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      "route": "Eligible purchases earn rewards in the linked airline loyalty account.",
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      "verificationScope": "Official product identity and recorded facts checked. Missing conditions remain unverified.",
      "status": "Listed by official issuer; confirm new-application availability",
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      "special": [],
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      ],
      "programIds": [
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      ],
      "earningSource": "https://www.baccredomatic.com/es-sv/personas/tarjetas/viajes/connectmiles-infinite-visa/visa/infinite",
      "eligibility": "Local issuer identification, residence, income and credit assessment requirements apply.",
      "note": "USD-equivalent earning and local billing are separate.",
      "feeSource": null
    },
    {
      "country": "SV",
      "id": "sv-bac-aadvantage-mastercard-dorada-mastercard",
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      "name": "AAdvantage Mastercard Dorada",
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      "fee": null,
      "reward": "AAdvantage miles",
      "rate": 1,
      "earn": "1 AAdvantage miles per USD 1 equivalent eligible ordinary purchases.",
      "url": "https://www.baccredomatic.com/es-sv/personas/tarjetas/viajes/aadvantage-mastercard-dorada/mastercard/dorada",
      "mileageSource": "https://www.baccredomatic.com/es-sv/personas/tarjetas/viajes/aadvantage-mastercard-dorada/mastercard/dorada",
      "mileageEligible": true,
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      "type": "Personal credit card",
      "route": "Eligible purchases earn rewards in the linked airline loyalty account.",
      "verified": true,
      "verifiedAt": "2026-10-17",
      "verificationScope": "Official product identity and recorded facts checked. Missing conditions remain unverified.",
      "status": "Listed by official issuer; confirm new-application availability",
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      "special": [],
      "partners": [
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      ],
      "programIds": [
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      ],
      "earningSource": "https://www.baccredomatic.com/es-sv/personas/tarjetas/viajes/aadvantage-mastercard-dorada/mastercard/dorada",
      "eligibility": "Local issuer identification, residence, income and credit assessment requirements apply.",
      "note": "USD-equivalent earning and local billing are separate.",
      "feeSource": null
    },
    {
      "country": "SV",
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      "reward": "AAdvantage miles",
      "rate": 1,
      "earn": "1 AAdvantage miles per USD 1 equivalent eligible ordinary purchases.",
      "url": "https://www.baccredomatic.com/es-sv/personas/tarjetas/viajes/aadvantage-mastercard-platinum/mastercard/platino",
      "mileageSource": "https://www.baccredomatic.com/es-sv/personas/tarjetas/viajes/aadvantage-mastercard-platinum/mastercard/platino",
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      "partners": [
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      ],
      "programIds": [
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      ],
      "earningSource": "https://www.baccredomatic.com/es-sv/personas/tarjetas/viajes/aadvantage-mastercard-platinum/mastercard/platino",
      "eligibility": "Local issuer identification, residence, income and credit assessment requirements apply.",
      "note": "USD-equivalent earning and local billing are separate.",
      "feeSource": null
    },
    {
      "country": "SV",
      "id": "sv-bac-aadvantage-gold-american-express",
      "issuer": "BAC",
      "name": "AAdvantage Gold American Express",
      "currency": "USD",
      "fee": null,
      "reward": "AAdvantage miles",
      "rate": 1,
      "earn": "1 AAdvantage miles per USD 1 equivalent eligible ordinary purchases.",
      "url": "https://www.baccredomatic.com/es-sv/personas/tarjetas/viajes/aadvantage-gold/american-express/dorada",
      "mileageSource": "https://www.baccredomatic.com/es-sv/personas/tarjetas/viajes/aadvantage-gold/american-express/dorada",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "type": "Personal credit card",
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      "verificationScope": "Official product identity and recorded facts checked. Missing conditions remain unverified.",
      "status": "Listed by official issuer; confirm new-application availability",
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      ],
      "programIds": [
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      ],
      "earningSource": "https://www.baccredomatic.com/es-sv/personas/tarjetas/viajes/aadvantage-gold/american-express/dorada",
      "eligibility": "Local issuer identification, residence, income and credit assessment requirements apply.",
      "note": "USD-equivalent earning and local billing are separate.",
      "feeSource": null
    },
    {
      "country": "SV",
      "id": "sv-bac-aadvantage-platinum-american-express",
      "issuer": "BAC",
      "name": "AAdvantage Platinum American Express",
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      "fee": null,
      "reward": "AAdvantage miles",
      "rate": 1,
      "earn": "1 AAdvantage miles per USD 1 equivalent eligible ordinary purchases.",
      "url": "https://www.baccredomatic.com/es-sv/personas/tarjetas/viajes/aadvantage-platinum/american-express/platinum",
      "mileageSource": "https://www.baccredomatic.com/es-sv/personas/tarjetas/viajes/aadvantage-platinum/american-express/platinum",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "type": "Personal credit card",
      "route": "Eligible purchases earn rewards in the linked airline loyalty account.",
      "verified": true,
      "verifiedAt": "2026-10-17",
      "verificationScope": "Official product identity and recorded facts checked. Missing conditions remain unverified.",
      "status": "Listed by official issuer; confirm new-application availability",
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      "firstYearFee": null,
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      "special": [],
      "partners": [
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      ],
      "programIds": [
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      ],
      "earningSource": "https://www.baccredomatic.com/es-sv/personas/tarjetas/viajes/aadvantage-platinum/american-express/platinum",
      "eligibility": "Local issuer identification, residence, income and credit assessment requirements apply.",
      "note": "USD-equivalent earning and local billing are separate.",
      "feeSource": null
    },
    {
      "country": "SV",
      "id": "sv-bac-lifemiles-gold-american-express-american-express",
      "issuer": "BAC",
      "name": "lifemiles Gold American Express",
      "currency": "USD",
      "fee": null,
      "reward": "LifeMiles",
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      "earn": "1.25 LifeMiles per USD 1 equivalent eligible ordinary purchases.",
      "url": "https://www.baccredomatic.com/es-sv/personas/tarjetas/viajes/lifemiles-gold-american-express/american-express/dorada",
      "mileageSource": "https://www.baccredomatic.com/es-sv/personas/tarjetas/viajes/lifemiles-gold-american-express/american-express/dorada",
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      "mileageRoute": "Direct miles",
      "type": "Personal credit card",
      "route": "Eligible purchases earn rewards in the linked airline loyalty account.",
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      "verifiedAt": "2026-10-17",
      "verificationScope": "Official product identity and recorded facts checked. Missing conditions remain unverified.",
      "status": "Listed by official issuer; confirm new-application availability",
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      "image": null,
      "imageSource": null,
      "special": [],
      "partners": [
        "LifeMiles"
      ],
      "programIds": [
        "lifemiles"
      ],
      "earningSource": "https://www.baccredomatic.com/es-sv/personas/tarjetas/viajes/lifemiles-gold-american-express/american-express/dorada",
      "eligibility": "Local issuer identification, residence, income and credit assessment requirements apply.",
      "note": "USD-equivalent earning and local billing are separate.",
      "feeSource": null
    },
    {
      "country": "SV",
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      "issuer": "BAC",
      "name": "lifemiles Premium American Express",
      "currency": "USD",
      "fee": null,
      "reward": "LifeMiles",
      "rate": 1.5,
      "earn": "1.5 LifeMiles per USD 1 equivalent eligible ordinary purchases.",
      "url": "https://www.baccredomatic.com/es-sv/personas/tarjetas/viajes/lifemiles-premium-american-express/american-express/premium",
      "mileageSource": "https://www.baccredomatic.com/es-sv/personas/tarjetas/viajes/lifemiles-premium-american-express/american-express/premium",
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      "mileageRoute": "Direct miles",
      "type": "Personal credit card",
      "route": "Eligible purchases earn rewards in the linked airline loyalty account.",
      "verified": true,
      "verifiedAt": "2026-10-17",
      "verificationScope": "Official product identity and recorded facts checked. Missing conditions remain unverified.",
      "status": "Listed by official issuer; confirm new-application availability",
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      "image": null,
      "imageSource": null,
      "special": [],
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        "LifeMiles"
      ],
      "programIds": [
        "lifemiles"
      ],
      "earningSource": "https://www.baccredomatic.com/es-sv/personas/tarjetas/viajes/lifemiles-premium-american-express/american-express/premium",
      "eligibility": "Local issuer identification, residence, income and credit assessment requirements apply.",
      "note": "USD-equivalent earning and local billing are separate.",
      "feeSource": null
    },
    {
      "country": "SV",
      "id": "sv-bac-lifemiles-elite-american-express-american-express",
      "issuer": "BAC",
      "name": "lifemiles Elite American Express",
      "currency": "USD",
      "fee": null,
      "reward": "LifeMiles",
      "rate": 2,
      "earn": "2 LifeMiles per USD 1 equivalent eligible ordinary purchases.",
      "url": "https://www.baccredomatic.com/es-sv/personas/tarjetas/viajes/lifemiles-elite-american-express/american-express/elite",
      "mileageSource": "https://www.baccredomatic.com/es-sv/personas/tarjetas/viajes/lifemiles-elite-american-express/american-express/elite",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "type": "Personal credit card",
      "route": "Eligible purchases earn rewards in the linked airline loyalty account.",
      "verified": true,
      "verifiedAt": "2026-10-17",
      "verificationScope": "Official product identity and recorded facts checked. Missing conditions remain unverified.",
      "status": "Listed by official issuer; confirm new-application availability",
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      "feeWaiver": null,
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      "image": null,
      "imageSource": null,
      "special": [],
      "partners": [
        "LifeMiles"
      ],
      "programIds": [
        "lifemiles"
      ],
      "earningSource": "https://www.baccredomatic.com/es-sv/personas/tarjetas/viajes/lifemiles-elite-american-express/american-express/elite",
      "eligibility": "Local issuer identification, residence, income and credit assessment requirements apply.",
      "note": "USD-equivalent earning and local billing are separate.",
      "feeSource": null
    },
    {
      "country": "HN",
      "id": "hn-bac-aadvantager-gold-american-express",
      "issuer": "BAC",
      "name": "AAdvantage Dorada Amex",
      "currency": "HNL",
      "fee": null,
      "reward": "AAdvantage miles",
      "rate": null,
      "earn": "1 AAdvantage miles per USD 1 equivalent eligible ordinary purchases.",
      "url": "https://www.baccredomatic.com/es-hn/personas/tarjetas/viajes/aadvantager-gold/american-express/dorada",
      "mileageSource": "https://www.baccredomatic.com/es-hn/personas/tarjetas/viajes/aadvantager-gold/american-express/dorada",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "type": "Personal credit card",
      "route": "Eligible purchases earn rewards in the linked airline loyalty account.",
      "verified": true,
      "verifiedAt": "2026-10-17",
      "verificationScope": "Official product identity and recorded facts checked. Missing conditions remain unverified.",
      "status": "Listed by official issuer; confirm new-application availability",
      "calculatorDisabled": true,
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
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      "image": null,
      "imageSource": null,
      "special": [],
      "partners": [
        "AAdvantage miles"
      ],
      "programIds": [
        "aadvantage"
      ],
      "earningSource": "https://www.baccredomatic.com/es-hn/personas/tarjetas/viajes/aadvantager-gold/american-express/dorada",
      "eligibility": "Local issuer identification, residence, income and credit assessment requirements apply.",
      "note": "USD-equivalent earning and local billing are separate. Issuer annual charge: $110 from year two. USD fee not converted to HNL. USD annual-charge descriptions remain in notes; no HNL amount inferred. Some pages contain inconsistent monthly installment equivalents; confirm contractual fee.",
      "feeSource": "https://www.baccredomatic.com/es-hn/personas/tarjetas/viajes/aadvantager-gold/american-express/dorada"
    },
    {
      "country": "HN",
      "id": "hn-bac-aadvantager-amex-platinum-american-express",
      "issuer": "BAC",
      "name": "AAdvantage Platinum Amex",
      "currency": "HNL",
      "fee": null,
      "reward": "AAdvantage miles",
      "rate": null,
      "earn": "1 AAdvantage miles per USD 1 equivalent eligible ordinary purchases.",
      "url": "https://www.baccredomatic.com/es-hn/personas/tarjetas/viajes/aadvantager-amex-platinum/american-express/platinum",
      "mileageSource": "https://www.baccredomatic.com/es-hn/personas/tarjetas/viajes/aadvantager-amex-platinum/american-express/platinum",
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      "mileageRoute": "Direct miles",
      "type": "Personal credit card",
      "route": "Eligible purchases earn rewards in the linked airline loyalty account.",
      "verified": true,
      "verifiedAt": "2026-10-17",
      "verificationScope": "Official product identity and recorded facts checked. Missing conditions remain unverified.",
      "status": "Listed by official issuer; confirm new-application availability",
      "calculatorDisabled": true,
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      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
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      "image": null,
      "imageSource": null,
      "special": [],
      "partners": [
        "AAdvantage miles"
      ],
      "programIds": [
        "aadvantage"
      ],
      "earningSource": "https://www.baccredomatic.com/es-hn/personas/tarjetas/viajes/aadvantager-amex-platinum/american-express/platinum",
      "eligibility": "Local issuer identification, residence, income and credit assessment requirements apply.",
      "note": "USD-equivalent earning and local billing are separate. Issuer annual charge: $160 from year two. USD fee not converted to HNL. USD annual-charge descriptions remain in notes; no HNL amount inferred. Some pages contain inconsistent monthly installment equivalents; confirm contractual fee.",
      "feeSource": "https://www.baccredomatic.com/es-hn/personas/tarjetas/viajes/aadvantager-amex-platinum/american-express/platinum"
    },
    {
      "country": "HN",
      "id": "hn-bac-aadvantager-amex-black-american-express",
      "issuer": "BAC",
      "name": "AAdvantage Prestige Amex",
      "currency": "HNL",
      "fee": null,
      "reward": "AAdvantage miles",
      "rate": null,
      "earn": "1 AAdvantage miles per USD 1 equivalent eligible ordinary purchases.",
      "url": "https://www.baccredomatic.com/es-hn/personas/tarjetas/viajes/aadvantager-amex-black/american-express/black",
      "mileageSource": "https://www.baccredomatic.com/es-hn/personas/tarjetas/viajes/aadvantager-amex-black/american-express/black",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "type": "Personal credit card",
      "route": "Eligible purchases earn rewards in the linked airline loyalty account.",
      "verified": true,
      "verifiedAt": "2026-10-17",
      "verificationScope": "Official product identity and recorded facts checked. Missing conditions remain unverified.",
      "status": "Listed by official issuer; confirm new-application availability",
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      "pointsExpiry": null,
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      "image": null,
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      "special": [],
      "partners": [
        "AAdvantage miles"
      ],
      "programIds": [
        "aadvantage"
      ],
      "earningSource": "https://www.baccredomatic.com/es-hn/personas/tarjetas/viajes/aadvantager-amex-black/american-express/black",
      "eligibility": "Local issuer identification, residence, income and credit assessment requirements apply.",
      "note": "USD-equivalent earning and local billing are separate. Issuer annual charge: $210 from year one. USD fee not converted to HNL. USD annual-charge descriptions remain in notes; no HNL amount inferred. Some pages contain inconsistent monthly installment equivalents; confirm contractual fee.",
      "feeSource": "https://www.baccredomatic.com/es-hn/personas/tarjetas/viajes/aadvantager-amex-black/american-express/black"
    },
    {
      "country": "HN",
      "id": "hn-bac-aadvantager-mastercard-gold-mastercard",
      "issuer": "BAC",
      "name": "AAdvantage Dorada Mastercard",
      "currency": "HNL",
      "fee": null,
      "reward": "AAdvantage miles",
      "rate": null,
      "earn": "1 AAdvantage miles per USD 1 equivalent eligible ordinary purchases.",
      "url": "https://www.baccredomatic.com/es-hn/personas/tarjetas/viajes/aadvantager-mastercard-gold/mastercard/dorada",
      "mileageSource": "https://www.baccredomatic.com/es-hn/personas/tarjetas/viajes/aadvantager-mastercard-gold/mastercard/dorada",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "type": "Personal credit card",
      "route": "Eligible purchases earn rewards in the linked airline loyalty account.",
      "verified": true,
      "verifiedAt": "2026-10-17",
      "verificationScope": "Official product identity and recorded facts checked. Missing conditions remain unverified.",
      "status": "Listed by official issuer; confirm new-application availability",
      "calculatorDisabled": true,
      "firstYearFee": null,
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      "image": null,
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      "special": [],
      "partners": [
        "AAdvantage miles"
      ],
      "programIds": [
        "aadvantage"
      ],
      "earningSource": "https://www.baccredomatic.com/es-hn/personas/tarjetas/viajes/aadvantager-mastercard-gold/mastercard/dorada",
      "eligibility": "Local issuer identification, residence, income and credit assessment requirements apply.",
      "note": "USD-equivalent earning and local billing are separate. Issuer annual charge: $110 from year two. USD fee not converted to HNL. USD annual-charge descriptions remain in notes; no HNL amount inferred. Some pages contain inconsistent monthly installment equivalents; confirm contractual fee.",
      "feeSource": "https://www.baccredomatic.com/es-hn/personas/tarjetas/viajes/aadvantager-mastercard-gold/mastercard/dorada"
    },
    {
      "country": "HN",
      "id": "hn-bac-aadvantager-mastercard-platinum-mastercard",
      "issuer": "BAC",
      "name": "AAdvantage Platinum Mastercard",
      "currency": "HNL",
      "fee": null,
      "reward": "AAdvantage miles",
      "rate": null,
      "earn": "1 AAdvantage miles per USD 1 equivalent eligible ordinary purchases.",
      "url": "https://www.baccredomatic.com/es-hn/personas/tarjetas/viajes/aadvantager-mastercard-platinum/mastercard/platino",
      "mileageSource": "https://www.baccredomatic.com/es-hn/personas/tarjetas/viajes/aadvantager-mastercard-platinum/mastercard/platino",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "type": "Personal credit card",
      "route": "Eligible purchases earn rewards in the linked airline loyalty account.",
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      "verifiedAt": "2026-10-17",
      "verificationScope": "Official product identity and recorded facts checked. Missing conditions remain unverified.",
      "status": "Listed by official issuer; confirm new-application availability",
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      "image": null,
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      "special": [],
      "partners": [
        "AAdvantage miles"
      ],
      "programIds": [
        "aadvantage"
      ],
      "earningSource": "https://www.baccredomatic.com/es-hn/personas/tarjetas/viajes/aadvantager-mastercard-platinum/mastercard/platino",
      "eligibility": "Local issuer identification, residence, income and credit assessment requirements apply.",
      "note": "USD-equivalent earning and local billing are separate. Issuer annual charge: $160 from year two. USD fee not converted to HNL. USD annual-charge descriptions remain in notes; no HNL amount inferred. Some pages contain inconsistent monthly installment equivalents; confirm contractual fee.",
      "feeSource": "https://www.baccredomatic.com/es-hn/personas/tarjetas/viajes/aadvantager-mastercard-platinum/mastercard/platino"
    },
    {
      "country": "HN",
      "id": "hn-bac-aadvantager-mastercard-black-mastercard",
      "issuer": "BAC",
      "name": "AAdvantage Black Mastercard",
      "currency": "HNL",
      "fee": null,
      "reward": "AAdvantage miles",
      "rate": null,
      "earn": "1 AAdvantage miles per USD 1 equivalent eligible ordinary purchases.",
      "url": "https://www.baccredomatic.com/es-hn/personas/tarjetas/viajes/aadvantager-mastercard-black/mastercard/black",
      "mileageSource": "https://www.baccredomatic.com/es-hn/personas/tarjetas/viajes/aadvantager-mastercard-black/mastercard/black",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "type": "Personal credit card",
      "route": "Eligible purchases earn rewards in the linked airline loyalty account.",
      "verified": true,
      "verifiedAt": "2026-10-17",
      "verificationScope": "Official product identity and recorded facts checked. Missing conditions remain unverified.",
      "status": "Listed by official issuer; confirm new-application availability",
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      "special": [],
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      ],
      "programIds": [
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      ],
      "earningSource": "https://www.baccredomatic.com/es-hn/personas/tarjetas/viajes/aadvantager-mastercard-black/mastercard/black",
      "eligibility": "Local issuer identification, residence, income and credit assessment requirements apply.",
      "note": "USD-equivalent earning and local billing are separate. Issuer annual charge: $210 from year one. USD fee not converted to HNL. USD annual-charge descriptions remain in notes; no HNL amount inferred. Some pages contain inconsistent monthly installment equivalents; confirm contractual fee.",
      "feeSource": "https://www.baccredomatic.com/es-hn/personas/tarjetas/viajes/aadvantager-mastercard-black/mastercard/black"
    },
    {
      "country": "HN",
      "id": "hn-bac-lifemilesr-gold-american-express",
      "issuer": "BAC",
      "name": "avianca Lifemiles Gold Amex",
      "currency": "HNL",
      "fee": null,
      "reward": "LifeMiles",
      "rate": null,
      "earn": "1.25 LifeMiles per USD 1 equivalent eligible ordinary purchases.",
      "url": "https://www.baccredomatic.com/es-hn/personas/tarjetas/viajes/lifemilesr-gold/american-express/dorada",
      "mileageSource": "https://www.baccredomatic.com/es-hn/personas/tarjetas/viajes/lifemilesr-gold/american-express/dorada",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "type": "Personal credit card",
      "route": "Eligible purchases earn rewards in the linked airline loyalty account.",
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      "verifiedAt": "2026-10-17",
      "verificationScope": "Official product identity and recorded facts checked. Missing conditions remain unverified.",
      "status": "Listed by official issuer; confirm new-application availability",
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      "special": [],
      "partners": [
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      ],
      "programIds": [
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      ],
      "earningSource": "https://www.baccredomatic.com/es-hn/personas/tarjetas/viajes/lifemilesr-gold/american-express/dorada",
      "eligibility": "Local issuer identification, residence, income and credit assessment requirements apply.",
      "note": "USD-equivalent earning and local billing are separate. Issuer annual charge: $110 from year two. USD fee not converted to HNL. USD annual-charge descriptions remain in notes; no HNL amount inferred. Some pages contain inconsistent monthly installment equivalents; confirm contractual fee.",
      "feeSource": "https://www.baccredomatic.com/es-hn/personas/tarjetas/viajes/lifemilesr-gold/american-express/dorada"
    },
    {
      "country": "HN",
      "id": "hn-bac-lifemilesr-platinum-american-express",
      "issuer": "BAC",
      "name": "avianca Lifemiles Platinum Amex",
      "currency": "HNL",
      "fee": null,
      "reward": "LifeMiles",
      "rate": null,
      "earn": "1.5 LifeMiles per USD 1 equivalent eligible ordinary purchases.",
      "url": "https://www.baccredomatic.com/es-hn/personas/tarjetas/viajes/lifemilesr-platinum/american-express/platinum",
      "mileageSource": "https://www.baccredomatic.com/es-hn/personas/tarjetas/viajes/lifemilesr-platinum/american-express/platinum",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "type": "Personal credit card",
      "route": "Eligible purchases earn rewards in the linked airline loyalty account.",
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      "verificationScope": "Official product identity and recorded facts checked. Missing conditions remain unverified.",
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      "imageSource": null,
      "special": [],
      "partners": [
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      ],
      "programIds": [
        "lifemiles"
      ],
      "earningSource": "https://www.baccredomatic.com/es-hn/personas/tarjetas/viajes/lifemilesr-platinum/american-express/platinum",
      "eligibility": "Local issuer identification, residence, income and credit assessment requirements apply.",
      "note": "USD-equivalent earning and local billing are separate. Issuer annual charge: $160 from year two. USD fee not converted to HNL. USD annual-charge descriptions remain in notes; no HNL amount inferred. Some pages contain inconsistent monthly installment equivalents; confirm contractual fee.",
      "feeSource": "https://www.baccredomatic.com/es-hn/personas/tarjetas/viajes/lifemilesr-platinum/american-express/platinum"
    },
    {
      "country": "HN",
      "id": "hn-bac-lifemilesr-elite-american-express",
      "issuer": "BAC",
      "name": "avianca Lifemiles Elite Amex",
      "currency": "HNL",
      "fee": null,
      "reward": "LifeMiles",
      "rate": null,
      "earn": "2 LifeMiles per USD 1 equivalent eligible ordinary purchases.",
      "url": "https://www.baccredomatic.com/es-hn/personas/tarjetas/viajes/lifemilesr-elite/american-express/black",
      "mileageSource": "https://www.baccredomatic.com/es-hn/personas/tarjetas/viajes/lifemilesr-elite/american-express/black",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "type": "Personal credit card",
      "route": "Eligible purchases earn rewards in the linked airline loyalty account.",
      "verified": true,
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      "verificationScope": "Official product identity and recorded facts checked. Missing conditions remain unverified.",
      "status": "Listed by official issuer; confirm new-application availability",
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      "image": null,
      "imageSource": null,
      "special": [],
      "partners": [
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      ],
      "programIds": [
        "lifemiles"
      ],
      "earningSource": "https://www.baccredomatic.com/es-hn/personas/tarjetas/viajes/lifemilesr-elite/american-express/black",
      "eligibility": "Local issuer identification, residence, income and credit assessment requirements apply.",
      "note": "USD-equivalent earning and local billing are separate. Issuer annual charge: $210 from year one. USD fee not converted to HNL. USD annual-charge descriptions remain in notes; no HNL amount inferred. Some pages contain inconsistent monthly installment equivalents; confirm contractual fee.",
      "feeSource": "https://www.baccredomatic.com/es-hn/personas/tarjetas/viajes/lifemilesr-elite/american-express/black"
    },
    {
      "country": "HN",
      "id": "hn-bac-lifemiles-visa-gold-visa",
      "issuer": "BAC",
      "name": "avianca Lifemiles Gold Visa",
      "currency": "HNL",
      "fee": null,
      "reward": "LifeMiles",
      "rate": null,
      "earn": "1.25 LifeMiles per USD 1 equivalent eligible ordinary purchases.",
      "url": "https://www.baccredomatic.com/es-hn/personas/tarjetas/viajes/lifemiles-visa-gold/visa/dorada",
      "mileageSource": "https://www.baccredomatic.com/es-hn/personas/tarjetas/viajes/lifemiles-visa-gold/visa/dorada",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "type": "Personal credit card",
      "route": "Eligible purchases earn rewards in the linked airline loyalty account.",
      "verified": true,
      "verifiedAt": "2026-10-17",
      "verificationScope": "Official product identity and recorded facts checked. Missing conditions remain unverified.",
      "status": "Listed by official issuer; confirm new-application availability",
      "calculatorDisabled": true,
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": null,
      "imageSource": null,
      "special": [],
      "partners": [
        "LifeMiles"
      ],
      "programIds": [
        "lifemiles"
      ],
      "earningSource": "https://www.baccredomatic.com/es-hn/personas/tarjetas/viajes/lifemiles-visa-gold/visa/dorada",
      "eligibility": "Local issuer identification, residence, income and credit assessment requirements apply.",
      "note": "USD-equivalent earning and local billing are separate. Issuer annual charge: $110 from year two. USD fee not converted to HNL. USD annual-charge descriptions remain in notes; no HNL amount inferred. Some pages contain inconsistent monthly installment equivalents; confirm contractual fee.",
      "feeSource": "https://www.baccredomatic.com/es-hn/personas/tarjetas/viajes/lifemiles-visa-gold/visa/dorada"
    },
    {
      "country": "HN",
      "id": "hn-bac-lifemiles-platinum-visa-visa",
      "issuer": "BAC",
      "name": "avianca Lifemiles Platinum Visa",
      "currency": "HNL",
      "fee": null,
      "reward": "LifeMiles",
      "rate": null,
      "earn": "1.5 LifeMiles per USD 1 equivalent eligible ordinary purchases.",
      "url": "https://www.baccredomatic.com/es-hn/personas/tarjetas/viajes/lifemiles-platinum-visa/visa/platino",
      "mileageSource": "https://www.baccredomatic.com/es-hn/personas/tarjetas/viajes/lifemiles-platinum-visa/visa/platino",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "type": "Personal credit card",
      "route": "Eligible purchases earn rewards in the linked airline loyalty account.",
      "verified": true,
      "verifiedAt": "2026-10-17",
      "verificationScope": "Official product identity and recorded facts checked. Missing conditions remain unverified.",
      "status": "Listed by official issuer; confirm new-application availability",
      "calculatorDisabled": true,
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": null,
      "imageSource": null,
      "special": [],
      "partners": [
        "LifeMiles"
      ],
      "programIds": [
        "lifemiles"
      ],
      "earningSource": "https://www.baccredomatic.com/es-hn/personas/tarjetas/viajes/lifemiles-platinum-visa/visa/platino",
      "eligibility": "Local issuer identification, residence, income and credit assessment requirements apply.",
      "note": "USD-equivalent earning and local billing are separate. Issuer annual charge: $160 from year two. USD fee not converted to HNL. USD annual-charge descriptions remain in notes; no HNL amount inferred. Some pages contain inconsistent monthly installment equivalents; confirm contractual fee.",
      "feeSource": "https://www.baccredomatic.com/es-hn/personas/tarjetas/viajes/lifemiles-platinum-visa/visa/platino"
    },
    {
      "country": "HN",
      "id": "hn-bac-lifemiles-infinite-visa-visa",
      "issuer": "BAC",
      "name": "avianca Lifemiles Infinite Visa",
      "currency": "HNL",
      "fee": null,
      "reward": "LifeMiles",
      "rate": null,
      "earn": "2 LifeMiles per USD 1 equivalent eligible ordinary purchases.",
      "url": "https://www.baccredomatic.com/es-hn/personas/tarjetas/viajes/lifemiles-infinite-visa/visa/infinite",
      "mileageSource": "https://www.baccredomatic.com/es-hn/personas/tarjetas/viajes/lifemiles-infinite-visa/visa/infinite",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "type": "Personal credit card",
      "route": "Eligible purchases earn rewards in the linked airline loyalty account.",
      "verified": true,
      "verifiedAt": "2026-10-17",
      "verificationScope": "Official product identity and recorded facts checked. Missing conditions remain unverified.",
      "status": "Listed by official issuer; confirm new-application availability",
      "calculatorDisabled": true,
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": null,
      "imageSource": null,
      "special": [],
      "partners": [
        "LifeMiles"
      ],
      "programIds": [
        "lifemiles"
      ],
      "earningSource": "https://www.baccredomatic.com/es-hn/personas/tarjetas/viajes/lifemiles-infinite-visa/visa/infinite",
      "eligibility": "Local issuer identification, residence, income and credit assessment requirements apply.",
      "note": "USD-equivalent earning and local billing are separate. Issuer annual charge: $210 from year one. USD fee not converted to HNL. USD annual-charge descriptions remain in notes; no HNL amount inferred. Some pages contain inconsistent monthly installment equivalents; confirm contractual fee.",
      "feeSource": "https://www.baccredomatic.com/es-hn/personas/tarjetas/viajes/lifemiles-infinite-visa/visa/infinite"
    },
    {
      "country": "HN",
      "id": "hn-bac-connectmiles-gold-visa",
      "issuer": "BAC",
      "name": "ConnectMiles Dorada Visa",
      "currency": "HNL",
      "fee": null,
      "reward": "ConnectMiles",
      "rate": null,
      "earn": "1 mile per USD 1 equivalent other purchases; 2 through designated Copa channels.",
      "url": "https://www.baccredomatic.com/es-hn/personas/tarjetas/viajes/connectmiles-gold/visa/dorada",
      "mileageSource": "https://www.baccredomatic.com/es-hn/personas/tarjetas/viajes/connectmiles-gold/visa/dorada",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "type": "Personal credit card",
      "route": "Eligible purchases earn rewards in the linked airline loyalty account.",
      "verified": true,
      "verifiedAt": "2026-10-17",
      "verificationScope": "Official product identity and recorded facts checked. Missing conditions remain unverified.",
      "status": "Listed by official issuer; confirm new-application availability",
      "calculatorDisabled": true,
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": null,
      "imageSource": null,
      "special": [],
      "partners": [
        "ConnectMiles"
      ],
      "programIds": [
        "connectmiles"
      ],
      "earningSource": "https://www.baccredomatic.com/es-hn/personas/tarjetas/viajes/connectmiles-gold/visa/dorada",
      "eligibility": "Local issuer identification, residence, income and credit assessment requirements apply.",
      "note": "USD-equivalent earning and local billing are separate. Issuer annual charge: $110 from year one. USD fee not converted to HNL. USD annual-charge descriptions remain in notes; no HNL amount inferred. Some pages contain inconsistent monthly installment equivalents; confirm contractual fee.",
      "feeSource": "https://www.baccredomatic.com/es-hn/personas/tarjetas/viajes/connectmiles-gold/visa/dorada"
    },
    {
      "country": "HN",
      "id": "hn-bac-connectmiles-platinum-visa",
      "issuer": "BAC",
      "name": "ConnectMiles Platinum Visa",
      "currency": "HNL",
      "fee": null,
      "reward": "ConnectMiles",
      "rate": null,
      "earn": "1 mile per USD 1 equivalent other purchases; 2 through designated Copa channels.",
      "url": "https://www.baccredomatic.com/es-hn/personas/tarjetas/viajes/connectmiles-platinum/visa/platino",
      "mileageSource": "https://www.baccredomatic.com/es-hn/personas/tarjetas/viajes/connectmiles-platinum/visa/platino",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "type": "Personal credit card",
      "route": "Eligible purchases earn rewards in the linked airline loyalty account.",
      "verified": true,
      "verifiedAt": "2026-10-17",
      "verificationScope": "Official product identity and recorded facts checked. Missing conditions remain unverified.",
      "status": "Listed by official issuer; confirm new-application availability",
      "calculatorDisabled": true,
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": null,
      "imageSource": null,
      "special": [],
      "partners": [
        "ConnectMiles"
      ],
      "programIds": [
        "connectmiles"
      ],
      "earningSource": "https://www.baccredomatic.com/es-hn/personas/tarjetas/viajes/connectmiles-platinum/visa/platino",
      "eligibility": "Local issuer identification, residence, income and credit assessment requirements apply.",
      "note": "USD-equivalent earning and local billing are separate. Issuer annual charge: $160 from year one. USD fee not converted to HNL. USD annual-charge descriptions remain in notes; no HNL amount inferred. Some pages contain inconsistent monthly installment equivalents; confirm contractual fee.",
      "feeSource": "https://www.baccredomatic.com/es-hn/personas/tarjetas/viajes/connectmiles-platinum/visa/platino"
    },
    {
      "country": "HN",
      "id": "hn-bac-connectmiles-infinite-visa",
      "issuer": "BAC",
      "name": "ConnectMiles Infinite Visa",
      "currency": "HNL",
      "fee": null,
      "reward": "ConnectMiles",
      "rate": null,
      "earn": "1 mile per USD 1 equivalent other purchases; 2 at eligible supermarkets/fuel and 3 through designated Copa channels.",
      "url": "https://www.baccredomatic.com/es-hn/personas/tarjetas/viajes/connectmiles-infinite/visa/infinite",
      "mileageSource": "https://www.baccredomatic.com/es-hn/personas/tarjetas/viajes/connectmiles-infinite/visa/infinite",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "type": "Personal credit card",
      "route": "Eligible purchases earn rewards in the linked airline loyalty account.",
      "verified": true,
      "verifiedAt": "2026-10-17",
      "verificationScope": "Official product identity and recorded facts checked. Missing conditions remain unverified.",
      "status": "Listed by official issuer; confirm new-application availability",
      "calculatorDisabled": true,
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": null,
      "imageSource": null,
      "special": [],
      "partners": [
        "ConnectMiles"
      ],
      "programIds": [
        "connectmiles"
      ],
      "earningSource": "https://www.baccredomatic.com/es-hn/personas/tarjetas/viajes/connectmiles-infinite/visa/infinite",
      "eligibility": "Local issuer identification, residence, income and credit assessment requirements apply.",
      "note": "USD-equivalent earning and local billing are separate. Issuer annual charge: $210 from year one. USD fee not converted to HNL. USD annual-charge descriptions remain in notes; no HNL amount inferred. Some pages contain inconsistent monthly installment equivalents; confirm contractual fee.",
      "feeSource": "https://www.baccredomatic.com/es-hn/personas/tarjetas/viajes/connectmiles-infinite/visa/infinite"
    },
    {
      "country": "HN",
      "id": "hn-bac-lifemiles-empresarial-visa",
      "issuer": "BAC",
      "name": "Lifemiles Business Visa",
      "currency": "HNL",
      "fee": null,
      "reward": "LifeMiles",
      "rate": null,
      "earn": "1 LifeMile per USD 1 other eligible business purchases; 2 on designated Avianca purchases.",
      "url": "https://www.baccredomatic.com/es-hn/personas/tarjetas/empresariales/lifemiles-empresarial/visa/business",
      "mileageSource": "https://www.baccredomatic.com/es-hn/personas/tarjetas/empresariales/lifemiles-empresarial/visa/business",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "type": "Business credit card",
      "route": "Eligible purchases earn rewards in the linked airline loyalty account.",
      "verified": true,
      "verifiedAt": "2026-10-17",
      "verificationScope": "Official product identity and recorded facts checked. Missing conditions remain unverified.",
      "status": "Listed by official issuer; confirm new-application availability",
      "calculatorDisabled": true,
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": null,
      "imageSource": null,
      "special": [],
      "partners": [
        "LifeMiles"
      ],
      "programIds": [
        "lifemiles"
      ],
      "earningSource": "https://www.baccredomatic.com/es-hn/personas/tarjetas/empresariales/lifemiles-empresarial/visa/business",
      "eligibility": "Local issuer identification, residence, income and credit assessment requirements apply.",
      "note": "USD-equivalent earning and local billing are separate. Issuer annual charge: $100 from year two. USD fee not converted to HNL. USD annual-charge descriptions remain in notes; no HNL amount inferred. Some pages contain inconsistent monthly installment equivalents; confirm contractual fee.",
      "feeSource": "https://www.baccredomatic.com/es-hn/personas/tarjetas/empresariales/lifemiles-empresarial/visa/business"
    },
    {
      "country": "NI",
      "id": "ni-bac-bac-aadvantager-mastercard-platinum-mastercard",
      "issuer": "BAC",
      "name": "AAdvantage Mastercard Platinum",
      "currency": "NIO",
      "fee": null,
      "reward": "AAdvantage miles",
      "rate": null,
      "earn": "1 AAdvantage miles per USD 1 equivalent eligible ordinary purchases.",
      "url": "https://www.baccredomatic.com/es-ni/personas/tarjetas/bac-aadvantager-mastercard-platinum/mastercard/platino",
      "mileageSource": "https://www.baccredomatic.com/es-ni/personas/tarjetas/bac-aadvantager-mastercard-platinum/mastercard/platino",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "type": "Personal credit card",
      "route": "Eligible purchases earn rewards in the linked airline loyalty account.",
      "verified": true,
      "verifiedAt": "2026-10-17",
      "verificationScope": "Official product identity and recorded facts checked. Missing conditions remain unverified.",
      "status": "Listed by official issuer; confirm new-application availability",
      "calculatorDisabled": true,
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": null,
      "imageSource": null,
      "special": [],
      "partners": [
        "AAdvantage miles"
      ],
      "programIds": [
        "aadvantage"
      ],
      "earningSource": "https://www.baccredomatic.com/es-ni/personas/tarjetas/bac-aadvantager-mastercard-platinum/mastercard/platino",
      "eligibility": "Local issuer identification, residence, income and credit assessment requirements apply.",
      "note": "USD-equivalent earning and local billing are separate.",
      "feeSource": null
    },
    {
      "country": "NI",
      "id": "ni-bac-connectmiles-visa-dorada-visa",
      "issuer": "BAC",
      "name": "ConnectMiles Visa Dorada",
      "currency": "NIO",
      "fee": null,
      "reward": "ConnectMiles",
      "rate": null,
      "earn": "1 mile per USD 1 equivalent other purchases; 2 through designated Copa channels.",
      "url": "https://www.baccredomatic.com/es-ni/personas/tarjetas/viajes/connectmiles-visa-dorada/visa/dorada",
      "mileageSource": "https://www.baccredomatic.com/es-ni/personas/tarjetas/viajes/connectmiles-visa-dorada/visa/dorada",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "type": "Personal credit card",
      "route": "Eligible purchases earn rewards in the linked airline loyalty account.",
      "verified": true,
      "verifiedAt": "2026-10-17",
      "verificationScope": "Official product identity and recorded facts checked. Missing conditions remain unverified.",
      "status": "Listed by official issuer; confirm new-application availability",
      "calculatorDisabled": true,
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": null,
      "imageSource": null,
      "special": [],
      "partners": [
        "ConnectMiles"
      ],
      "programIds": [
        "connectmiles"
      ],
      "earningSource": "https://www.baccredomatic.com/es-ni/personas/tarjetas/viajes/connectmiles-visa-dorada/visa/dorada",
      "eligibility": "Local issuer identification, residence, income and credit assessment requirements apply.",
      "note": "USD-equivalent earning and local billing are separate.",
      "feeSource": null
    },
    {
      "country": "NI",
      "id": "ni-bac-connectmiles-visa-platinum-visa",
      "issuer": "BAC",
      "name": "ConnectMiles Visa Platinum",
      "currency": "NIO",
      "fee": null,
      "reward": "ConnectMiles",
      "rate": null,
      "earn": "1 mile per USD 1 equivalent other purchases; 2 through designated Copa channels.",
      "url": "https://www.baccredomatic.com/es-ni/personas/tarjetas/destacadas/connectmiles-visa-platinum/visa/platino",
      "mileageSource": "https://www.baccredomatic.com/es-ni/personas/tarjetas/destacadas/connectmiles-visa-platinum/visa/platino",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "type": "Personal credit card",
      "route": "Eligible purchases earn rewards in the linked airline loyalty account.",
      "verified": true,
      "verifiedAt": "2026-10-17",
      "verificationScope": "Official product identity and recorded facts checked. Missing conditions remain unverified.",
      "status": "Listed by official issuer; confirm new-application availability",
      "calculatorDisabled": true,
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": null,
      "imageSource": null,
      "special": [],
      "partners": [
        "ConnectMiles"
      ],
      "programIds": [
        "connectmiles"
      ],
      "earningSource": "https://www.baccredomatic.com/es-ni/personas/tarjetas/destacadas/connectmiles-visa-platinum/visa/platino",
      "eligibility": "Local issuer identification, residence, income and credit assessment requirements apply.",
      "note": "USD-equivalent earning and local billing are separate.",
      "feeSource": null
    },
    {
      "country": "NI",
      "id": "ni-bac-connectmiles-visa-infinite-visa",
      "issuer": "BAC",
      "name": "ConnectMiles Visa Infinite",
      "currency": "NIO",
      "fee": null,
      "reward": "ConnectMiles",
      "rate": null,
      "earn": "1 mile per USD 1 equivalent other purchases; 2 at eligible supermarkets/fuel and 3 through designated Copa channels.",
      "url": "https://www.baccredomatic.com/es-ni/personas/tarjetas/viajes/connectmiles-visa-infinite/visa/infinite",
      "mileageSource": "https://www.baccredomatic.com/es-ni/personas/tarjetas/viajes/connectmiles-visa-infinite/visa/infinite",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "type": "Personal credit card",
      "route": "Eligible purchases earn rewards in the linked airline loyalty account.",
      "verified": true,
      "verifiedAt": "2026-10-17",
      "verificationScope": "Official product identity and recorded facts checked. Missing conditions remain unverified.",
      "status": "Listed by official issuer; confirm new-application availability",
      "calculatorDisabled": true,
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": null,
      "imageSource": null,
      "special": [],
      "partners": [
        "ConnectMiles"
      ],
      "programIds": [
        "connectmiles"
      ],
      "earningSource": "https://www.baccredomatic.com/es-ni/personas/tarjetas/viajes/connectmiles-visa-infinite/visa/infinite",
      "eligibility": "Local issuer identification, residence, income and credit assessment requirements apply.",
      "note": "USD-equivalent earning and local billing are separate.",
      "feeSource": null
    },
    {
      "country": "NI",
      "id": "ni-bac-avianca-lifemiles-visa-empresarial-visa",
      "issuer": "BAC",
      "name": "avianca Lifemiles Visa Empresarial",
      "currency": "NIO",
      "fee": null,
      "reward": "LifeMiles",
      "rate": null,
      "earn": "1 LifeMile per USD 1 other eligible business purchases; 2 on designated Avianca purchases.",
      "url": "https://www.baccredomatic.com/es-ni/personas/tarjetas/avianca-lifemiles-visa-empresarial/visa/business",
      "mileageSource": "https://www.baccredomatic.com/es-ni/personas/tarjetas/avianca-lifemiles-visa-empresarial/visa/business",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "type": "Business credit card",
      "route": "Eligible purchases earn rewards in the linked airline loyalty account.",
      "verified": true,
      "verifiedAt": "2026-10-17",
      "verificationScope": "Official product identity and recorded facts checked. Missing conditions remain unverified.",
      "status": "Listed by official issuer; confirm new-application availability",
      "calculatorDisabled": true,
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": null,
      "imageSource": null,
      "special": [],
      "partners": [
        "LifeMiles"
      ],
      "programIds": [
        "lifemiles"
      ],
      "earningSource": "https://www.baccredomatic.com/es-ni/personas/tarjetas/avianca-lifemiles-visa-empresarial/visa/business",
      "eligibility": "Local issuer identification, residence, income and credit assessment requirements apply.",
      "note": "USD-equivalent earning and local billing are separate. Nicaragua public-service payments earn 1 mile per USD 2 equivalent, per issuer.",
      "feeSource": null
    },
    {
      "country": "NI",
      "id": "ni-bac-bac-aadvantager-gold-american-express",
      "issuer": "BAC",
      "name": "AAdvantage Gold American Express",
      "currency": "NIO",
      "fee": null,
      "reward": "AAdvantage miles",
      "rate": null,
      "earn": "1 AAdvantage miles per USD 1 equivalent eligible ordinary purchases.",
      "url": "https://www.baccredomatic.com/es-ni/personas/tarjetas/viajes/bac-aadvantager-gold/american-express/dorada",
      "mileageSource": "https://www.baccredomatic.com/es-ni/personas/tarjetas/viajes/bac-aadvantager-gold/american-express/dorada",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "type": "Personal credit card",
      "route": "Eligible purchases earn rewards in the linked airline loyalty account.",
      "verified": true,
      "verifiedAt": "2026-10-17",
      "verificationScope": "Official product identity and recorded facts checked. Missing conditions remain unverified.",
      "status": "Listed by official issuer; confirm new-application availability",
      "calculatorDisabled": true,
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": null,
      "imageSource": null,
      "special": [],
      "partners": [
        "AAdvantage miles"
      ],
      "programIds": [
        "aadvantage"
      ],
      "earningSource": "https://www.baccredomatic.com/es-ni/personas/tarjetas/viajes/bac-aadvantager-gold/american-express/dorada",
      "eligibility": "Local issuer identification, residence, income and credit assessment requirements apply.",
      "note": "USD-equivalent earning and local billing are separate.",
      "feeSource": null
    },
    {
      "country": "NI",
      "id": "ni-bac-bac-aadvantager-platinum-american-express",
      "issuer": "BAC",
      "name": "AAdvantage Platinum American Express",
      "currency": "NIO",
      "fee": null,
      "reward": "AAdvantage miles",
      "rate": null,
      "earn": "1 AAdvantage miles per USD 1 equivalent eligible ordinary purchases.",
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        "AAdvantage miles"
      ],
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      ],
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      "note": "USD-equivalent earning and local billing are separate.",
      "feeSource": null
    },
    {
      "country": "NI",
      "id": "ni-bac-aadvantage-prestige-american-express",
      "issuer": "BAC",
      "name": "AAdvantage Prestige American Express",
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      "note": "USD-equivalent earning and local billing are separate.",
      "feeSource": null
    },
    {
      "country": "NI",
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      "issuer": "BAC",
      "name": "avianca Lifemiles Gold American Express",
      "currency": "NIO",
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      "reward": "LifeMiles",
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      "mileageSource": "https://www.baccredomatic.com/es-ni/personas/tarjetas/viajes/lifemiles-gold-american-express/american-express/dorada",
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      ],
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      "eligibility": "Local issuer identification, residence, income and credit assessment requirements apply.",
      "note": "USD-equivalent earning and local billing are separate.",
      "feeSource": null
    },
    {
      "country": "NI",
      "id": "ni-bac-avianca-lifemiles-platinum-american-express-american-express",
      "issuer": "BAC",
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      "fee": null,
      "reward": "LifeMiles",
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      "url": "https://www.baccredomatic.com/es-ni/personas/tarjetas/destacadas/avianca-lifemiles-platinum-american-express/american-express/platinum",
      "mileageSource": "https://www.baccredomatic.com/es-ni/personas/tarjetas/destacadas/avianca-lifemiles-platinum-american-express/american-express/platinum",
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      ],
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      ],
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      "note": "USD-equivalent earning and local billing are separate.",
      "feeSource": null
    },
    {
      "country": "NI",
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      "name": "avianca Lifemiles Elite American Express",
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      "fee": null,
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      "mileageSource": "https://www.baccredomatic.com/es-ni/personas/tarjetas/viajes/lifemiles-elite-american-express/american-express/black",
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      ],
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        "lifemiles"
      ],
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      "note": "USD-equivalent earning and local billing are separate.",
      "feeSource": null
    },
    {
      "country": "NI",
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      "name": "avianca Lifemiles Gold Visa",
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      ],
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      ],
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      "note": "USD-equivalent earning and local billing are separate.",
      "feeSource": null
    },
    {
      "country": "NI",
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      "name": "avianca Lifemiles Platinum Visa",
      "currency": "NIO",
      "fee": null,
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      ],
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      ],
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      "note": "USD-equivalent earning and local billing are separate.",
      "feeSource": null
    },
    {
      "country": "NI",
      "id": "ni-bac-avianca-lifemiles-visa-infinite-visa",
      "issuer": "BAC",
      "name": "avianca Lifemiles Visa Infinite",
      "currency": "NIO",
      "fee": null,
      "reward": "LifeMiles",
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      "earn": "2 LifeMiles per USD 1 equivalent eligible ordinary purchases.",
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      "mileageSource": "https://www.baccredomatic.com/es-ni/personas/tarjetas/viajes/avianca-lifemiles-visa-infinite/visa/infinite",
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      "status": "Listed by official issuer; confirm new-application availability",
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      ],
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      ],
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      "note": "USD-equivalent earning and local billing are separate.",
      "feeSource": null
    },
    {
      "country": "PA",
      "id": "pa-bac-connectmiles-infinite-visa",
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      "name": "ConnectMiles Infinite Visa",
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      "fee": 150,
      "reward": "ConnectMiles",
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      "earn": "1 mile per USD 1 other purchases; 3 designated Copa purchases, 2 supermarkets/fuel.",
      "url": "https://www.baccredomatic.com/es-pa/personas/tarjetas/destacadas/connectmiles-infinite/visa/infinite",
      "mileageSource": "https://www.baccredomatic.com/es-pa/personas/tarjetas/destacadas/connectmiles-infinite/visa/infinite",
      "mileageEligible": true,
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      "verificationScope": "Official product identity and recorded facts checked. Missing conditions remain unverified.",
      "status": "Listed by official issuer; confirm new-application availability",
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      ],
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      "note": "USD-equivalent earning and local billing are separate.  Panama tax payments earn 1 mile per USD 3, per product page.",
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    },
    {
      "country": "PA",
      "id": "pa-bac-connectmiles-platinum-elite-visa",
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      "name": "ConnectMiles Platinum Elite Visa",
      "currency": "USD",
      "fee": 95,
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      "url": "https://www.baccredomatic.com/es-pa/personas/tarjetas/viajes/connectmiles-platinum-elite/visa/elite",
      "mileageSource": "https://www.baccredomatic.com/es-pa/personas/tarjetas/viajes/connectmiles-platinum-elite/visa/elite",
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      ],
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      ],
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      "note": "USD-equivalent earning and local billing are separate.  Panama tax payments earn 1 mile per USD 3, per product page.",
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    },
    {
      "country": "PA",
      "id": "pa-bac-connectmiles-platinum-visa",
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      "reward": "ConnectMiles",
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    },
    {
      "country": "PA",
      "id": "pa-bac-aadvantager-dorada-mastercard",
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      "currency": "USD",
      "fee": 95,
      "reward": "AAdvantage miles",
      "rate": 1,
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      "url": "https://www.baccredomatic.com/es-pa/personas/tarjetas/viajes/aadvantager-dorada/mastercard/dorada",
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      ],
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      "note": "USD-equivalent earning and local billing are separate.",
      "feeSource": "https://www.baccredomatic.com/es-pa/personas/tarjetas/viajes/aadvantager-dorada/mastercard/dorada"
    },
    {
      "country": "PA",
      "id": "pa-bac-aadvantager-platinum-mastercard",
      "issuer": "BAC",
      "name": "AAdvantage Platinum Mastercard",
      "currency": "USD",
      "fee": 95,
      "reward": "AAdvantage miles",
      "rate": null,
      "earn": "Mileage earning route confirmed; current universal earning rate remains unverified.",
      "url": "https://www.baccredomatic.com/es-pa/personas/tarjetas/viajes/aadvantager-platinum/mastercard/platino",
      "mileageSource": "https://www.baccredomatic.com/es-pa/personas/tarjetas/viajes/aadvantager-platinum/mastercard/platino",
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      ],
      "programIds": [
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      ],
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      "eligibility": "Local issuer identification, residence, income and credit assessment requirements apply.",
      "note": "USD-equivalent earning and local billing are separate.",
      "feeSource": "https://www.baccredomatic.com/es-pa/personas/tarjetas/viajes/aadvantager-platinum/mastercard/platino"
    },
    {
      "country": "PA",
      "id": "pa-bac-aadvantager-black-mastercard",
      "issuer": "BAC",
      "name": "AAdvantage Black Mastercard",
      "currency": "USD",
      "fee": 150,
      "reward": "AAdvantage miles",
      "rate": null,
      "earn": "Mileage earning route confirmed; current universal earning rate remains unverified.",
      "url": "https://www.baccredomatic.com/es-pa/personas/tarjetas/viajes/aadvantager-black/mastercard/black",
      "mileageSource": "https://www.baccredomatic.com/es-pa/personas/tarjetas/viajes/aadvantager-black/mastercard/black",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "type": "Personal credit card",
      "route": "Eligible purchases earn rewards in the linked airline loyalty account.",
      "verified": true,
      "verifiedAt": "2026-10-17",
      "verificationScope": "Official product identity and recorded facts checked. Missing conditions remain unverified.",
      "status": "Listed by official issuer; confirm new-application availability",
      "calculatorDisabled": true,
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": null,
      "imageSource": null,
      "special": [],
      "partners": [
        "AAdvantage miles"
      ],
      "programIds": [
        "aadvantage"
      ],
      "earningSource": "https://www.baccredomatic.com/es-pa/personas/tarjetas/viajes/aadvantager-black/mastercard/black",
      "eligibility": "Local issuer identification, residence, income and credit assessment requirements apply.",
      "note": "USD-equivalent earning and local billing are separate.",
      "feeSource": "https://www.baccredomatic.com/es-pa/personas/tarjetas/viajes/aadvantager-black/mastercard/black"
    },
    {
      "country": "PA",
      "id": "pa-bac-aadvantager-gold-american-express",
      "issuer": "BAC",
      "name": "AAdvantage Gold American Express",
      "currency": "USD",
      "fee": 95,
      "reward": "AAdvantage miles",
      "rate": 1.1,
      "earn": "1.1 AAdvantage miles per USD 1 equivalent eligible ordinary purchases.",
      "url": "https://www.baccredomatic.com/es-pa/personas/tarjetas/viajes/aadvantager-gold/american-express/dorada",
      "mileageSource": "https://www.baccredomatic.com/es-pa/personas/tarjetas/viajes/aadvantager-gold/american-express/dorada",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "type": "Personal credit card",
      "route": "Eligible purchases earn rewards in the linked airline loyalty account.",
      "verified": true,
      "verifiedAt": "2026-10-17",
      "verificationScope": "Official product identity and recorded facts checked. Missing conditions remain unverified.",
      "status": "Listed by official issuer; confirm new-application availability",
      "calculatorDisabled": true,
      "firstYearFee": 0,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": null,
      "imageSource": null,
      "special": [],
      "partners": [
        "AAdvantage miles"
      ],
      "programIds": [
        "aadvantage"
      ],
      "earningSource": "https://www.baccredomatic.com/es-pa/personas/tarjetas/viajes/aadvantager-gold/american-express/dorada",
      "eligibility": "Local issuer identification, residence, income and credit assessment requirements apply.",
      "note": "USD-equivalent earning and local billing are separate.",
      "feeSource": "https://www.baccredomatic.com/es-pa/personas/tarjetas/viajes/aadvantager-gold/american-express/dorada"
    },
    {
      "country": "PA",
      "id": "pa-bac-aadvantage-platinum-american-express",
      "issuer": "BAC",
      "name": "AAdvantage Platinum American Express",
      "currency": "USD",
      "fee": 95,
      "reward": "AAdvantage miles",
      "rate": 1.2,
      "earn": "1.2 AAdvantage miles per USD 1 equivalent eligible ordinary purchases.",
      "url": "https://www.baccredomatic.com/es-pa/personas/tarjetas/viajes/aadvantage-platinum/american-express/platinum",
      "mileageSource": "https://www.baccredomatic.com/es-pa/personas/tarjetas/viajes/aadvantage-platinum/american-express/platinum",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "type": "Personal credit card",
      "route": "Eligible purchases earn rewards in the linked airline loyalty account.",
      "verified": true,
      "verifiedAt": "2026-10-17",
      "verificationScope": "Official product identity and recorded facts checked. Missing conditions remain unverified.",
      "status": "Listed by official issuer; confirm new-application availability",
      "calculatorDisabled": true,
      "firstYearFee": 0,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": null,
      "imageSource": null,
      "special": [],
      "partners": [
        "AAdvantage miles"
      ],
      "programIds": [
        "aadvantage"
      ],
      "earningSource": "https://www.baccredomatic.com/es-pa/personas/tarjetas/viajes/aadvantage-platinum/american-express/platinum",
      "eligibility": "Local issuer identification, residence, income and credit assessment requirements apply.",
      "note": "USD-equivalent earning and local billing are separate.",
      "feeSource": "https://www.baccredomatic.com/es-pa/personas/tarjetas/viajes/aadvantage-platinum/american-express/platinum"
    },
    {
      "country": "PA",
      "id": "pa-bac-aadvantage-black-american-express",
      "issuer": "BAC",
      "name": "AAdvantage Black American Express",
      "currency": "USD",
      "fee": 150,
      "reward": "AAdvantage miles",
      "rate": 1.2,
      "earn": "1.2 AAdvantage miles per USD 1 equivalent eligible ordinary purchases.",
      "url": "https://www.baccredomatic.com/es-pa/personas/tarjetas/viajes/aadvantage-black/american-express/black",
      "mileageSource": "https://www.baccredomatic.com/es-pa/personas/tarjetas/viajes/aadvantage-black/american-express/black",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "type": "Personal credit card",
      "route": "Eligible purchases earn rewards in the linked airline loyalty account.",
      "verified": true,
      "verifiedAt": "2026-10-17",
      "verificationScope": "Official product identity and recorded facts checked. Missing conditions remain unverified.",
      "status": "Listed by official issuer; confirm new-application availability",
      "calculatorDisabled": true,
      "firstYearFee": 0,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": null,
      "imageSource": null,
      "special": [],
      "partners": [
        "AAdvantage miles"
      ],
      "programIds": [
        "aadvantage"
      ],
      "earningSource": "https://www.baccredomatic.com/es-pa/personas/tarjetas/viajes/aadvantage-black/american-express/black",
      "eligibility": "Local issuer identification, residence, income and credit assessment requirements apply.",
      "note": "USD-equivalent earning and local billing are separate.",
      "feeSource": "https://www.baccredomatic.com/es-pa/personas/tarjetas/viajes/aadvantage-black/american-express/black"
    },
    {
      "country": "PA",
      "id": "pa-bac-lifemiles-elite-american-express",
      "issuer": "BAC",
      "name": "Lifemiles Elite American Express",
      "currency": "USD",
      "fee": 150,
      "reward": "LifeMiles",
      "rate": null,
      "earn": "Current issuer page lists 4 LifeMiles per USD 1. Confirm applicable earning schedule before estimating.",
      "url": "https://www.baccredomatic.com/es-pa/personas/tarjetas/viajes/lifemiles-elite/american-express/elite",
      "mileageSource": "https://www.baccredomatic.com/es-pa/personas/tarjetas/viajes/lifemiles-elite/american-express/elite",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "type": "Personal credit card",
      "route": "Eligible purchases earn rewards in the linked airline loyalty account.",
      "verified": true,
      "verifiedAt": "2026-10-17",
      "verificationScope": "Official product identity and recorded facts checked. Missing conditions remain unverified.",
      "status": "Listed by official issuer; confirm new-application availability",
      "calculatorDisabled": true,
      "firstYearFee": 0,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": null,
      "imageSource": null,
      "special": [],
      "partners": [
        "LifeMiles"
      ],
      "programIds": [
        "lifemiles"
      ],
      "earningSource": "https://www.baccredomatic.com/es-pa/personas/tarjetas/viajes/lifemiles-elite/american-express/elite",
      "eligibility": "Local issuer identification, residence, income and credit assessment requirements apply.",
      "note": "USD-equivalent earning and local billing are separate.  Enhanced current product-page rate differs from older published program rules; numeric rate withheld pending reconciliation.",
      "feeSource": "https://www.baccredomatic.com/es-pa/personas/tarjetas/viajes/lifemiles-elite/american-express/elite"
    },
    {
      "country": "PA",
      "id": "pa-bac-lifemiles-dorada-american-express",
      "issuer": "BAC",
      "name": "Lifemiles Dorada American Express",
      "currency": "USD",
      "fee": 95,
      "reward": "LifeMiles",
      "rate": null,
      "earn": "Current issuer page lists 3.3 LifeMiles per USD 1. Confirm applicable earning schedule before estimating.",
      "url": "https://www.baccredomatic.com/es-pa/personas/tarjetas/viajes/lifemiles-dorada/american-express/dorada",
      "mileageSource": "https://www.baccredomatic.com/es-pa/personas/tarjetas/viajes/lifemiles-dorada/american-express/dorada",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "type": "Personal credit card",
      "route": "Eligible purchases earn rewards in the linked airline loyalty account.",
      "verified": true,
      "verifiedAt": "2026-10-17",
      "verificationScope": "Official product identity and recorded facts checked. Missing conditions remain unverified.",
      "status": "Listed by official issuer; confirm new-application availability",
      "calculatorDisabled": true,
      "firstYearFee": 0,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": null,
      "imageSource": null,
      "special": [],
      "partners": [
        "LifeMiles"
      ],
      "programIds": [
        "lifemiles"
      ],
      "earningSource": "https://www.baccredomatic.com/es-pa/personas/tarjetas/viajes/lifemiles-dorada/american-express/dorada",
      "eligibility": "Local issuer identification, residence, income and credit assessment requirements apply.",
      "note": "USD-equivalent earning and local billing are separate.  Enhanced current product-page rate differs from older published program rules; numeric rate withheld pending reconciliation.",
      "feeSource": "https://www.baccredomatic.com/es-pa/personas/tarjetas/viajes/lifemiles-dorada/american-express/dorada"
    },
    {
      "country": "PA",
      "id": "pa-bac-lifemiles-platinum-american-express",
      "issuer": "BAC",
      "name": "Lifemiles Platinum American Express",
      "currency": "USD",
      "fee": 95,
      "reward": "LifeMiles",
      "rate": null,
      "earn": "Current issuer page lists 3.5 LifeMiles per USD 1. Confirm applicable earning schedule before estimating.",
      "url": "https://www.baccredomatic.com/es-pa/personas/tarjetas/viajes/lifemiles-platinum/american-express/platinum",
      "mileageSource": "https://www.baccredomatic.com/es-pa/personas/tarjetas/viajes/lifemiles-platinum/american-express/platinum",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "type": "Personal credit card",
      "route": "Eligible purchases earn rewards in the linked airline loyalty account.",
      "verified": true,
      "verifiedAt": "2026-10-17",
      "verificationScope": "Official product identity and recorded facts checked. Missing conditions remain unverified.",
      "status": "Listed by official issuer; confirm new-application availability",
      "calculatorDisabled": true,
      "firstYearFee": 0,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": null,
      "imageSource": null,
      "special": [],
      "partners": [
        "LifeMiles"
      ],
      "programIds": [
        "lifemiles"
      ],
      "earningSource": "https://www.baccredomatic.com/es-pa/personas/tarjetas/viajes/lifemiles-platinum/american-express/platinum",
      "eligibility": "Local issuer identification, residence, income and credit assessment requirements apply.",
      "note": "USD-equivalent earning and local billing are separate.  Enhanced current product-page rate differs from older published program rules; numeric rate withheld pending reconciliation.",
      "feeSource": "https://www.baccredomatic.com/es-pa/personas/tarjetas/viajes/lifemiles-platinum/american-express/platinum"
    },
    {
      "country": "PA",
      "id": "pa-bac-connectmiles-gold-american-express",
      "issuer": "BAC",
      "name": "ConnectMiles Gold American Express",
      "currency": "USD",
      "fee": 95,
      "reward": "ConnectMiles",
      "rate": 1.1,
      "earn": "1.1 miles/USD other purchases; 2.2 designated Copa purchases.",
      "url": "https://www.baccredomatic.com/es-pa/personas/tarjetas/viajes/connectmiles-gold/american-express/dorada",
      "mileageSource": "https://www.baccredomatic.com/es-pa/personas/tarjetas/viajes/connectmiles-gold/american-express/dorada",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "type": "Personal credit card",
      "route": "Eligible purchases earn rewards in the linked airline loyalty account.",
      "verified": true,
      "verifiedAt": "2026-10-17",
      "verificationScope": "Official product identity and recorded facts checked. Missing conditions remain unverified.",
      "status": "Listed by official issuer; confirm new-application availability",
      "calculatorDisabled": true,
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": null,
      "imageSource": null,
      "special": [],
      "partners": [
        "ConnectMiles"
      ],
      "programIds": [
        "connectmiles"
      ],
      "earningSource": "https://www.baccredomatic.com/es-pa/personas/tarjetas/viajes/connectmiles-gold/american-express/dorada",
      "eligibility": "Local issuer identification, residence, income and credit assessment requirements apply.",
      "note": "USD-equivalent earning and local billing are separate.  Panama tax payments earn 1 mile per USD 3, per product page.",
      "feeSource": "https://www.baccredomatic.com/es-pa/personas/tarjetas/viajes/connectmiles-gold/american-express/dorada"
    },
    {
      "country": "PA",
      "id": "pa-bac-connectmiles-platinum-american-express",
      "issuer": "BAC",
      "name": "ConnectMiles Platinum American Express",
      "currency": "USD",
      "fee": 95,
      "reward": "ConnectMiles",
      "rate": 1.2,
      "earn": "1.2 miles/USD other purchases; 2.4 designated Copa purchases.",
      "url": "https://www.baccredomatic.com/es-pa/personas/tarjetas/viajes/connectmiles-platinum/american-express/platinum",
      "mileageSource": "https://www.baccredomatic.com/es-pa/personas/tarjetas/viajes/connectmiles-platinum/american-express/platinum",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "type": "Personal credit card",
      "route": "Eligible purchases earn rewards in the linked airline loyalty account.",
      "verified": true,
      "verifiedAt": "2026-10-17",
      "verificationScope": "Official product identity and recorded facts checked. Missing conditions remain unverified.",
      "status": "Listed by official issuer; confirm new-application availability",
      "calculatorDisabled": true,
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": null,
      "imageSource": null,
      "special": [],
      "partners": [
        "ConnectMiles"
      ],
      "programIds": [
        "connectmiles"
      ],
      "earningSource": "https://www.baccredomatic.com/es-pa/personas/tarjetas/viajes/connectmiles-platinum/american-express/platinum",
      "eligibility": "Local issuer identification, residence, income and credit assessment requirements apply.",
      "note": "USD-equivalent earning and local billing are separate.  Panama tax payments earn 1 mile per USD 3, per product page.",
      "feeSource": "https://www.baccredomatic.com/es-pa/personas/tarjetas/viajes/connectmiles-platinum/american-express/platinum"
    },
    {
      "country": "PA",
      "id": "pa-bac-connectmiles-black-american-express",
      "issuer": "BAC",
      "name": "ConnectMiles Black American Express",
      "currency": "USD",
      "fee": 150,
      "reward": "ConnectMiles",
      "rate": 1.2,
      "earn": "1.2 miles/USD other purchases, 2.4 supermarkets/fuel, 3.6 designated Copa purchases.",
      "url": "https://www.baccredomatic.com/es-pa/personas/tarjetas/destacadas/connectmiles-black/american-express/black",
      "mileageSource": "https://www.baccredomatic.com/es-pa/personas/tarjetas/destacadas/connectmiles-black/american-express/black",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "type": "Personal credit card",
      "route": "Eligible purchases earn rewards in the linked airline loyalty account.",
      "verified": true,
      "verifiedAt": "2026-10-17",
      "verificationScope": "Official product identity and recorded facts checked. Missing conditions remain unverified.",
      "status": "Listed by official issuer; confirm new-application availability",
      "calculatorDisabled": true,
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": null,
      "imageSource": null,
      "special": [],
      "partners": [
        "ConnectMiles"
      ],
      "programIds": [
        "connectmiles"
      ],
      "earningSource": "https://www.baccredomatic.com/es-pa/personas/tarjetas/destacadas/connectmiles-black/american-express/black",
      "eligibility": "Local issuer identification, residence, income and credit assessment requirements apply.",
      "note": "USD-equivalent earning and local billing are separate.  Panama tax payments earn 1 mile per USD 3, per product page.",
      "feeSource": "https://www.baccredomatic.com/es-pa/personas/tarjetas/destacadas/connectmiles-black/american-express/black"
    },
    {
      "country": "PA",
      "id": "pa-bac-lifemiles-gold-visa",
      "issuer": "BAC",
      "name": "Lifemiles Gold Visa",
      "currency": "USD",
      "fee": 95,
      "reward": "LifeMiles",
      "rate": null,
      "earn": "Current issuer page lists 2.3 LifeMiles per USD 1. Confirm applicable earning schedule before estimating.",
      "url": "https://www.baccredomatic.com/es-pa/personas/tarjetas/viajes/lifemiles-gold/visa/dorada",
      "mileageSource": "https://www.baccredomatic.com/es-pa/personas/tarjetas/viajes/lifemiles-gold/visa/dorada",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "type": "Personal credit card",
      "route": "Eligible purchases earn rewards in the linked airline loyalty account.",
      "verified": true,
      "verifiedAt": "2026-10-17",
      "verificationScope": "Official product identity and recorded facts checked. Missing conditions remain unverified.",
      "status": "Listed by official issuer; confirm new-application availability",
      "calculatorDisabled": true,
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": null,
      "imageSource": null,
      "special": [],
      "partners": [
        "LifeMiles"
      ],
      "programIds": [
        "lifemiles"
      ],
      "earningSource": "https://www.baccredomatic.com/es-pa/personas/tarjetas/viajes/lifemiles-gold/visa/dorada",
      "eligibility": "Local issuer identification, residence, income and credit assessment requirements apply.",
      "note": "USD-equivalent earning and local billing are separate.  Enhanced current product-page rate differs from older published program rules; numeric rate withheld pending reconciliation.",
      "feeSource": "https://www.baccredomatic.com/es-pa/personas/tarjetas/viajes/lifemiles-gold/visa/dorada"
    },
    {
      "country": "PA",
      "id": "pa-bac-lifemiles-platinum-visa",
      "issuer": "BAC",
      "name": "Lifemiles Platinum Visa",
      "currency": "USD",
      "fee": 95,
      "reward": "LifeMiles",
      "rate": null,
      "earn": "Current issuer page lists 2.5 LifeMiles per USD 1. Confirm applicable earning schedule before estimating.",
      "url": "https://www.baccredomatic.com/es-pa/personas/tarjetas/viajes/lifemiles-platinum/visa/platino",
      "mileageSource": "https://www.baccredomatic.com/es-pa/personas/tarjetas/viajes/lifemiles-platinum/visa/platino",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "type": "Personal credit card",
      "route": "Eligible purchases earn rewards in the linked airline loyalty account.",
      "verified": true,
      "verifiedAt": "2026-10-17",
      "verificationScope": "Official product identity and recorded facts checked. Missing conditions remain unverified.",
      "status": "Listed by official issuer; confirm new-application availability",
      "calculatorDisabled": true,
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": null,
      "imageSource": null,
      "special": [],
      "partners": [
        "LifeMiles"
      ],
      "programIds": [
        "lifemiles"
      ],
      "earningSource": "https://www.baccredomatic.com/es-pa/personas/tarjetas/viajes/lifemiles-platinum/visa/platino",
      "eligibility": "Local issuer identification, residence, income and credit assessment requirements apply.",
      "note": "USD-equivalent earning and local billing are separate.  Enhanced current product-page rate differs from older published program rules; numeric rate withheld pending reconciliation.",
      "feeSource": "https://www.baccredomatic.com/es-pa/personas/tarjetas/viajes/lifemiles-platinum/visa/platino"
    },
    {
      "country": "PA",
      "id": "pa-bac-lifemiles-infinite-visa",
      "issuer": "BAC",
      "name": "Lifemiles Infinite Visa",
      "currency": "USD",
      "fee": 150,
      "reward": "LifeMiles",
      "rate": null,
      "earn": "Current issuer page lists 3 LifeMiles per USD 1. Confirm applicable earning schedule before estimating.",
      "url": "https://www.baccredomatic.com/es-pa/personas/tarjetas/viajes/lifemiles-infinite/visa/infinite",
      "mileageSource": "https://www.baccredomatic.com/es-pa/personas/tarjetas/viajes/lifemiles-infinite/visa/infinite",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "type": "Personal credit card",
      "route": "Eligible purchases earn rewards in the linked airline loyalty account.",
      "verified": true,
      "verifiedAt": "2026-10-17",
      "verificationScope": "Official product identity and recorded facts checked. Missing conditions remain unverified.",
      "status": "Listed by official issuer; confirm new-application availability",
      "calculatorDisabled": true,
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": null,
      "imageSource": null,
      "special": [],
      "partners": [
        "LifeMiles"
      ],
      "programIds": [
        "lifemiles"
      ],
      "earningSource": "https://www.baccredomatic.com/es-pa/personas/tarjetas/viajes/lifemiles-infinite/visa/infinite",
      "eligibility": "Local issuer identification, residence, income and credit assessment requirements apply.",
      "note": "USD-equivalent earning and local billing are separate.  Enhanced current product-page rate differs from older published program rules; numeric rate withheld pending reconciliation.",
      "feeSource": "https://www.baccredomatic.com/es-pa/personas/tarjetas/viajes/lifemiles-infinite/visa/infinite"
    },
    {
      "country": "RO",
      "id": "ro-bt-flyingblue-classic",
      "issuer": "Banca Transilvania",
      "name": "BT Flying Blue Classic",
      "currency": "RON",
      "fee": 50,
      "reward": "Flying Blue miles",
      "rate": 0.2,
      "earn": "Per RON 5: 1 mile domestic, 1.3 abroad, 1.5 Air France/KLM/TAROM.",
      "url": "https://www.bancatransilvania.ro/carduri/carduri-de-cumparaturi/compara-cardurile-bt-flying-blue",
      "mileageSource": "https://www.bancatransilvania.ro/carduri/carduri-de-cumparaturi/compara-cardurile-bt-flying-blue",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "type": "Personal credit card",
      "route": "Eligible purchases earn rewards in the linked airline loyalty account.",
      "verified": true,
      "verifiedAt": "2026-10-17",
      "verificationScope": "Official product identity and recorded facts checked. Missing conditions remain unverified.",
      "status": "Listed by official issuer; confirm new-application availability",
      "calculatorDisabled": true,
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": "Issuer says eligible card payments extend existing Flying Blue balance validity by 24 months; programme conditions apply.",
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": null,
      "imageSource": null,
      "special": [],
      "partners": [
        "Flying Blue miles"
      ],
      "programIds": [
        "flyingblue"
      ],
      "earningSource": "https://intreb.bancatransilvania.ro/cum-primesc-mile-la-cumparaturi-cu-cardul-de-credit-bt-flying-blue/",
      "eligibility": "Local issuer identification, residence, income and credit assessment requirements apply.",
      "note": "Income recorded monthly in RON. Issuance waived through 31 October under current campaign; annual card administration remains payable. Rounding and settlement times need full rules review.",
      "income": 800,
      "feeSource": "https://www.bancatransilvania.ro/carduri/carduri-de-cumparaturi/compara-cardurile-bt-flying-blue"
    },
    {
      "country": "RO",
      "id": "ro-bt-flyingblue-premium",
      "issuer": "Banca Transilvania",
      "name": "BT Flying Blue Premium",
      "currency": "RON",
      "fee": 200,
      "reward": "Flying Blue miles",
      "rate": 0.26,
      "earn": "Per RON 5: 1.3 miles domestic, 1.5 abroad, 2 Air France/KLM/TAROM.",
      "url": "https://www.bancatransilvania.ro/carduri/carduri-de-cumparaturi/compara-cardurile-bt-flying-blue",
      "mileageSource": "https://www.bancatransilvania.ro/carduri/carduri-de-cumparaturi/compara-cardurile-bt-flying-blue",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "type": "Personal credit card",
      "route": "Eligible purchases earn rewards in the linked airline loyalty account.",
      "verified": true,
      "verifiedAt": "2026-10-17",
      "verificationScope": "Official product identity and recorded facts checked. Missing conditions remain unverified.",
      "status": "Listed by official issuer; confirm new-application availability",
      "calculatorDisabled": true,
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": "Issuer says eligible card payments extend existing Flying Blue balance validity by 24 months; programme conditions apply.",
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": null,
      "imageSource": null,
      "special": [],
      "partners": [
        "Flying Blue miles"
      ],
      "programIds": [
        "flyingblue"
      ],
      "earningSource": "https://intreb.bancatransilvania.ro/cum-primesc-mile-la-cumparaturi-cu-cardul-de-credit-bt-flying-blue/",
      "eligibility": "Local issuer identification, residence, income and credit assessment requirements apply.",
      "note": "Income recorded monthly in RON. Issuance waived through 31 October under current campaign; annual card administration remains payable. Rounding and settlement times need full rules review.",
      "income": 4000,
      "feeSource": "https://www.bancatransilvania.ro/carduri/carduri-de-cumparaturi/compara-cardurile-bt-flying-blue"
    },
    {
      "country": "CN",
      "id": "cn-hsbc-travel",
      "issuer": "HSBC China",
      "name": "HSBC Travel credit-card bundle",
      "currency": "CNY",
      "fee": 2000,
      "reward": "HSBC China reward points",
      "rate": null,
      "earn": "Bank points convert to airline miles; earning per CNY remains unverified.",
      "url": "https://www.hsbc.com.cn/en-cn/credit-cards/products/travel/",
      "mileageSource": "https://www.hsbc.com.cn/en-cn/credit-cards/products/travel/",
      "mileageEligible": true,
      "mileageRoute": "Bank points",
      "type": "Personal credit card",
      "route": "18 eligible bank points convert to 1 airline mile. Airline redemptions in multiples of 1,000 miles; full partner terms apply.",
      "verified": true,
      "verifiedAt": "2026-10-17",
      "verificationScope": "Official product identity and recorded facts checked. Missing conditions remain unverified.",
      "status": "Listed by official issuer; confirm new-application availability",
      "calculatorDisabled": true,
      "firstYearFee": 2000,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": "Issuer product page states bank points valid for three years. Airline mile expiry is separate.",
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": null,
      "imageSource": null,
      "special": [],
      "partners": [
        "HSBC China reward points"
      ],
      "programIds": [
        "cathay",
        "ba"
      ],
      "earningSource": "https://www.hsbc.com.cn/en-cn/credit-cards/products/travel/",
      "eligibility": "Local issuer identification, residence, income and credit assessment requirements apply.",
      "note": "One product bundle containing UnionPay and Mastercard cards, counted once. From year two, 200,000 eligible points may redeem the next annual fee. Per-partner fees/processing remain unverified.",
      "feeSource": "https://www.hsbc.com.cn/en-cn/credit-cards/products/travel/",
      "termsSource": "https://www.hsbc.com.cn/en-cn/credit-cards/rewards/redeem/",
      "transfers": [
        {
          "program": "Cathay Asia Miles",
          "points": 18,
          "miles": 1,
          "increment": 18000,
          "source": "https://www.hsbc.com.cn/en-cn/credit-cards/rewards/redeem/"
        },
        {
          "program": "British Airways Avios",
          "points": 18,
          "miles": 1,
          "increment": 18000,
          "source": "https://www.hsbc.com.cn/en-cn/credit-cards/rewards/redeem/"
        }
      ]
    },
    {
      "country": "CN",
      "id": "cn-hsbc-china",
      "issuer": "HSBC China",
      "name": "HSBC China credit-card bundle",
      "currency": "CNY",
      "fee": 3600,
      "reward": "HSBC China reward points",
      "rate": null,
      "earn": "Bank points convert to airline miles; earning per CNY remains unverified.",
      "url": "https://www.hsbc.com.cn/credit-cards/products/premier-travel/",
      "mileageSource": "https://www.hsbc.com.cn/credit-cards/products/premier-travel/",
      "mileageEligible": true,
      "mileageRoute": "Bank points",
      "type": "Personal credit card",
      "route": "12 eligible bank points convert to 1 airline mile. Airline redemptions in multiples of 1,000 miles; full partner terms apply.",
      "verified": true,
      "verifiedAt": "2026-10-17",
      "verificationScope": "Official product identity and recorded facts checked. Missing conditions remain unverified.",
      "status": "Listed by official issuer; confirm new-application availability",
      "calculatorDisabled": true,
      "firstYearFee": 3600,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": null,
      "imageSource": null,
      "special": [],
      "partners": [
        "HSBC China reward points"
      ],
      "programIds": [
        "cathay",
        "ba"
      ],
      "earningSource": "https://www.hsbc.com.cn/credit-cards/products/premier-travel/",
      "eligibility": "Local issuer identification, residence, income and credit assessment requirements apply.",
      "note": "Standard fee shown. Qualifying Premier clients have conditional annual-fee concessions in the September 2026–August 2027 campaign; asset and eligibility conditions must be checked. From year two, 500,000 points can redeem the next fee within the specified window. One bundle counted once; not two standalone cards.",
      "feeSource": "https://www.hsbc.com.cn/credit-cards/products/premier-travel/",
      "termsSource": "https://www.hsbc.com.cn/en-cn/credit-cards/rewards/redeem/",
      "transfers": [
        {
          "program": "Cathay Asia Miles",
          "points": 12,
          "miles": 1,
          "increment": 12000,
          "source": "https://www.hsbc.com.cn/en-cn/credit-cards/rewards/redeem/"
        },
        {
          "program": "British Airways Avios",
          "points": 12,
          "miles": 1,
          "increment": 12000,
          "source": "https://www.hsbc.com.cn/en-cn/credit-cards/rewards/redeem/"
        }
      ]
    },
    {
      "country": "HR",
      "id": "hr-diners-croatia-airlines",
      "issuer": "Erste Bank / Diners Club",
      "name": "Diners Club Croatia Airlines",
      "currency": "EUR",
      "fee": 50,
      "reward": "Miles & More award miles",
      "rate": 1.5151515151515151,
      "earn": "1 award mile per EUR 0.66 eligible purchases in Croatia and abroad.",
      "url": "https://diners.hr/privatni/kartice/diners-club-croatia-airlines/",
      "mileageSource": "https://diners.hr/privatni/kartice/diners-club-croatia-airlines/",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "type": "Personal charge / instalment card",
      "route": "Eligible purchases earn rewards in the linked airline loyalty account.",
      "verified": true,
      "verifiedAt": "2026-10-17",
      "verificationScope": "Official product identity and recorded facts checked. Missing conditions remain unverified.",
      "status": "Listed by official issuer; confirm new-application availability",
      "calculatorDisabled": true,
      "firstYearFee": 0,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": "Expiry protection requires at least one regular award mile every month and at least three months of card use.",
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": null,
      "imageSource": null,
      "special": [],
      "partners": [
        "Miles & More award miles"
      ],
      "programIds": [
        "milesmore"
      ],
      "earningSource": "https://www.erstebank.hr/hr/gradjanstvo/pogodnosti/miles-and-more",
      "eligibility": "Local issuer identification, residence, income and credit assessment requirements apply.",
      "note": "Issuer offers optional package with Visa Croatia Airlines for one membership charge. Do not add both standalone fees when comparing package costs.",
      "feeSource": "https://diners.hr/privatni/kartice/diners-club-croatia-airlines/"
    },
    {
      "country": "HR",
      "id": "hr-visa-croatia-airlines",
      "issuer": "Erste Bank",
      "name": "Visa Croatia Airlines",
      "currency": "EUR",
      "fee": null,
      "reward": "Miles & More award miles",
      "rate": null,
      "earn": "1 award mile per EUR 1 eligible spending abroad; domestic schedule needs confirmation.",
      "url": "https://www.erstebank.hr/hr/gradjanstvo/racuni-i-kartice/kartice/kreditne-kartice/diners/diners-croatia-airlines-paket",
      "mileageSource": "https://www.erstebank.hr/hr/gradjanstvo/racuni-i-kartice/kartice/kreditne-kartice/diners/diners-croatia-airlines-paket",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "type": "Personal credit card",
      "route": "Eligible purchases earn rewards in the linked airline loyalty account.",
      "verified": true,
      "verifiedAt": "2026-10-17",
      "verificationScope": "Official product identity and recorded facts checked. Missing conditions remain unverified.",
      "status": "Listed by official issuer; confirm new-application availability",
      "calculatorDisabled": true,
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": null,
      "imageSource": null,
      "special": [],
      "partners": [
        "Miles & More award miles"
      ],
      "programIds": [
        "milesmore"
      ],
      "earningSource": "https://www.erstebank.hr/hr/gradjanstvo/pogodnosti/miles-and-more",
      "eligibility": "Local issuer identification, residence, income and credit assessment requirements apply.",
      "note": "Package eligibility with Diners Club Croatia Airlines verified. Standalone membership and local earning terms remain unverified; annual fee is unknown, not zero."
    },
    {
      "country": "JO",
      "id": "jo-arabbank-royal-jordanian-platinum",
      "issuer": "Arab Bank",
      "name": "Royal Jordanian Visa Platinum",
      "currency": "JOD",
      "fee": null,
      "reward": "Royal Club miles",
      "rate": null,
      "earn": "Royal Club mileage route confirmed; earning rate and annual fee require local terms review.",
      "url": "https://www.arabbank.jo/mainmenu/home/Consumer-Banking/cards/card-type/royal-jordanian-visa-credit-card",
      "mileageSource": "https://www.arabbank.jo/mainmenu/home/Consumer-Banking/cards/card-type/royal-jordanian-visa-credit-card",
      "mileageEligible": true,
      "mileageRoute": "Direct miles",
      "type": "Personal credit card",
      "route": "Eligible purchases earn rewards in the linked airline loyalty account.",
      "verified": true,
      "verifiedAt": "2026-10-17",
      "verificationScope": "Official product identity and recorded facts checked. Missing conditions remain unverified.",
      "status": "Listed by official issuer; confirm new-application availability",
      "calculatorDisabled": true,
      "firstYearFee": null,
      "feeWaiver": null,
      "rounding": null,
      "pointsExpiry": null,
      "transferMinimum": null,
      "transferFee": null,
      "processingTime": null,
      "image": "public/assets/cards/jo-arabbank-royal-jordanian-platinum.png",
      "imageSource": "https://www.arabbank.jo/mainmenu/home/Consumer-Banking/cards/card-type/royal-jordanian-visa-credit-card",
      "special": [],
      "partners": [
        "Royal Club miles"
      ],
      "programIds": [
        "royalclub"
      ],
      "earningSource": "https://www.arabbank.jo/mainmenu/home/Consumer-Banking/cards/card-type/royal-jordanian-visa-credit-card",
      "eligibility": "Local issuer identification, residence, income and credit assessment requirements apply.",
      "note": "Local issuer product identity and airline mileage route confirmed. Do not import JOD rates from the Egyptian Arab Bank terms page. Complete fees, earning and application conditions remain unverified.",
      "imageOriginal": "https://www.arabbank.jo/images/librariesprovider2/default-album/royal-club-credit.png"
    }
  ]
}