Personal Credit Cards

Credit cards don’t need to be complicated, we’ve broken down all the details. Pick which features are the most important to you.

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Kiwibank
56377
Kiwibank Low Rate Visa
Purchase Rate (p.a.)

9.95%

Balance Transfer

1.99% p.a. for 6 months from a non-Kiwibank credit card

Interest Free Days

Up to 55

Interest Rate Cash Advance (p.a.)9.95%

Additional Card Fee/Joint Account$5 per card every six months

Minimum Credit Limit$500

Foreign Currency Purchases1.85% of the New Zealand dollar amount once converted.

Overseas Travel Insurance-

Payment Type-

Other-

More Info
The Co-operative Bank
56378
The Cooperative Bank Fair Rate Credit Card
Purchase Rate (p.a.)

12.95%

Balance Transfer

0% p.a. for the first 6 months

Interest Free Days

up to 55 days

Interest Rate Cash Advance (p.a.)12.95%

Additional Card Fee/Joint Account$15 every 6 months

Minimum Credit Limit$1,000

Foreign Currency Purchases2.5% of the New Zealand dollar converted value of the foreign currency transaction

Overseas Travel Insurance-

Payment Type-

Other-

More Info
ASB Bank
56379
ASB Visa Light
Purchase Rate (p.a.)

13.50%

Balance Transfer

0% for 6 months

Interest Free Days

Up to 55 days

Our Smart Rate purchase feature, currently 0% p.a. fixed interest for six months on any purchase $1,000 or more.

Promotion Details

Covid 19 Visa Light Support: From May to October 2020 the purchase interest rate on ASB Visa light will drop from 13.5%p.a. to 9.9%p.a.

Interest Rate Cash Advance (p.a.)22.95%

Additional Card Fee/Joint Account-

Minimum Credit Limit$1,000

Foreign Currency Purchases-

Overseas Travel Insurance-

Payment Type-

Other-

More Info
American Express
56380
The Low Rate Credit Card from American Express
Purchase Rate (p.a.)

2.99% p.a. for the first 6 months reverting to 12.69% p.a. thereafter

Balance Transfer

-

Interest Free Days

Up to 55 days

Interest Rate Cash Advance (p.a.)21.95%

Additional Card Fee/Joint AccountFree

Minimum Credit Limit-

Foreign Currency Purchases-

Overseas Travel Insurance-

Payment Type-

Other-

More Info
Bank of New Zealand
56999
BNZ Lite Visa
Purchase Rate (p.a.)

13.45%

Balance Transfer

0.00% p.a. for 12 months

Interest Free Days

up to 55 days

Interest Rate Cash Advance (p.a.)22.95%

Additional Card Fee/Joint Account$1.50 half-yearly

Minimum Credit Limit$500

Foreign Currency Purchases2.25% of the NZ dollar value on every foreign currency transaction.

Overseas Travel Insurance-

Payment Type-

Other-

More Info
Westpac
56382
Westpac Low Rate MasterCard
Purchase Rate (p.a.)

13.45%

Balance Transfer

5.95% p.a. Balance Transfer

Interest Free Days

Up to 55 days

Promotion Details

$0 Annual Fee for 2 years for Westpac Low Rate Mastercard

Interest Rate Cash Advance (p.a.)22.95%

Additional Card Fee/Joint Account$5 per year

Minimum Credit Limit$500

Foreign Currency Purchases1.4% of transaction amount

Overseas Travel Insurance-

Payment Type-

Other-

More Info
ANZ Bank
56383
ANZ Low Rate Visa
Purchase Rate (p.a.)

12.90%

Balance Transfer

1.99% p.a. on balances transferred for the first year

Interest Free Days

Up to 55 days

Interest Rate Cash Advance (p.a.)19.95%

Additional Card Fee/Joint Account$0

Minimum Credit Limit-

Foreign Currency Purchases-

Overseas Travel Insurance-

Payment Type-

Other-

More Info
Kiwibank
56384
Kiwibank Air New Zealand Airpoints Low Fee Visa
Purchase Rate (p.a.)

16.90%

Balance Transfer

1.99% p.a. for 6 months from a non-Kiwibank credit card

Interest Free Days

Up to 44

$160 spend = 1 Airpoints Dollar

Interest Rate Cash Advance (p.a.)22.95%

Additional Card Fee/Joint Account$5 per card every six months

Minimum Credit Limit$1,000

Foreign Currency Purchases1.85% of the New Zealand dollar amount once converted.

Overseas Travel Insurance-

Payment Type-

Other-

More Info
Kiwibank
56385
Kiwibank Zero Visa
Purchase Rate (p.a.)

13.95%

Balance Transfer

1.99% p.a. for 6 months from a non-Kiwibank credit card

Interest Free Days

Up to 55 days

Interest Rate Cash Advance (p.a.)13.95%

Additional Card Fee/Joint AccountFree

Minimum Credit Limit$500

Foreign Currency Purchases1.85% of the New Zealand dollar amount once converted.

Overseas Travel Insurance-

Payment Type-

Other-

More Info
American Express
56386
The American Express Airpoints Card
Purchase Rate (p.a.)

0% p.a. for the first 6 months reverting to 19.95% p.a. thereafter

Balance Transfer

-

Interest Free Days

Up to 55 days

Earn 1 Airpoints Dollar for every $100 you spend on your Card. Gifted 50 Bonus Airpoints Dollars

Promotion Details

50 Bonus Airpoints Dollars. Available to new Card Members only.

Interest Rate Cash Advance (p.a.)21.95%

Additional Card Fee/Joint AccountFree

Minimum Credit Limit-

Foreign Currency Purchases-

Overseas Travel Insurance-

Payment Type-

Other-

More Info
Westpac
56387
Westpac Airpoints World Mastercard
Purchase Rate (p.a.)

16.95%

Balance Transfer

5.95% p.a.

Interest Free Days

Up to 44 days

Earn 1 Airpoints Dollar for every $65 spent on the card. Earn one Status point for every $225 spent on the card

  • Extended Warranty Insurance of 12 months for goods purchased and Purchase Protection

Interest Rate Cash Advance (p.a.)22.95%

Additional Card Fee/Joint Account$100 per year ($50 every 6 months)

Minimum Credit Limit$18,000

Foreign Currency Purchases1.4% of transaction amount

Overseas Travel InsuranceUp to 120 days

Payment Type-

Other-

More Info
Westpac
56388
Westpac hotpoints World MasterCard
Purchase Rate (p.a.)

16.95%

Balance Transfer

5.95% p.a.

Interest Free Days

Up to 44 days

Earn 3 hotpoints for every $1 spent on your card.

  • Purchase Protection insurance cover and extended warranty insurance for your purchases
  • World Mastercard Privleged Access Program : enjoy the very best the world has to offer with an exclusive range of specially selected travel, shopping and dining experiences from across the globe

Interest Rate Cash Advance (p.a.)22.95%

Additional Card Fee/Joint AccountYour first joint or additional card is free. Supplementary cards are $100 per year ($50 every 6 months)

Minimum Credit Limit$18,000

Foreign Currency Purchases1.4% of transaction amount

Overseas Travel InsuranceUp to 120 days

Payment Type-

OtherPriority Pass Lounge Access

More Info
Kiwibank
56389
Kiwibank Platinum Visa
Purchase Rate (p.a.)

13.95%

Balance Transfer

1.99% p.a. for 6 months from a non-Kiwibank credit card

Interest Free Days

Up to 55

Interest Rate Cash Advance (p.a.)13.95%

Additional Card Fee/Joint Account-

Minimum Credit Limit$8,000

Foreign Currency Purchases1.85% of the New Zealand dollar amount once converted.

Overseas Travel InsuranceBuilt-in Travel Insurance

Payment Type-

Other-

More Info
TSB Bank
56390
TSB Visa Classic
Purchase Rate (p.a.)

18.50%

Balance Transfer

0% for the first 6 months

Interest Free Days

Up to 55 days

Interest Rate Cash Advance (p.a.)18.50%

Additional Card Fee/Joint Account-

Minimum Credit Limit-

Foreign Currency Purchases2.5% of the New Zealand Dollar value of each overseas card transaction

Overseas Travel Insurance-

Payment Type-

Other-

More Info
Bank of New Zealand
56391
BNZ Advantage Visa Platium
Purchase Rate (p.a.)

18.95%

Balance Transfer

0% p.a. for 6 months

Interest Free Days

up to 55 days

$90 spend = $1 Cash Reward or $15 spend = 1 Fly Buys point

Interest Rate Cash Advance (p.a.)18.95%

Additional Card Fee/Joint Account$10 half-yearly

Minimum Credit Limit$8,000

Foreign Currency Purchases-

Overseas Travel InsuranceUp to 90 days

Payment TypeGoogle Pay & Apple Pay

Other-

More Info
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