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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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
Warehouse Money
56395
Warehouse Money Visa
Purchase Rate (p.a.)

19.95%

Balance Transfer

-

Interest Free Days

Up to 55

5% off your shopping at The Warehouse

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

Additional Card Fee/Joint Account$0.00

Minimum Credit Limit-

Foreign Currency Purchases2.00% of transaction

Overseas Travel Insurance-

Payment Type-

Other-

More Info
SBS Bank
56392
SBS Visa Credit Card
Purchase Rate (p.a.)

18.50%

Balance Transfer

-

Interest Free Days

Up to 55 days

You'll earn $1 for every $150 spent on Eligible Transactions

Interest Rate Cash Advance (p.a.)21.50%

Additional Card Fee/Joint Account-

Minimum Credit Limit-

Foreign Currency Purchases-

Overseas Travel Insurance-

Payment Type-

Other-

More Info
Warehouse Money
56408
Purple Visa
Purchase Rate (p.a.)

22.95%

Balance Transfer

-

Interest Free Days

Up to 55

Everytime you spend $150 on your Purple Visa Card you'll earn 1 Purple Dollar. 1 Purple Dollar = $1 NZ Dollar.

Interest Rate Cash Advance (p.a.)25.90%

Additional Card Fee/Joint Account$0.00

Minimum Credit Limit-

Foreign Currency Purchases2.00% of transaction

Overseas Travel Insurance-

Payment Type-

Other-

More Info
Westpac
56406
Westpac hotpoints Platinum MasterCard
Purchase Rate (p.a.)

20.95%

Balance Transfer

5.95% p.a

Interest Free Days

Up to 55 days

Earn 2 hotpoints for every $1 spent on your card.

  • Purchase Protection insurance cover and extended warranty insurance for your purchases

Promotion Details

$0 Annual Fee for 2 years on a new hotpoints Platinum Mastercard

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

Additional Card Fee/Joint Account$25 per year

Minimum Credit Limit$10,000

Foreign Currency Purchases1.4% of transaction amount

Overseas Travel InsuranceUp to 35 days

Payment Type-

Other-

More Info
ANZ Bank
56399
ANZ Cashback Visa Platinum
Purchase Rate (p.a.)

19.95%

Balance Transfer

1.99% p.a.

Interest Free Days

Up to 55 days

1 CashBack point per $1 spent on eligible purchases1 per CashBack year

  • Spend $5,000 to $9,999 per CashBack year and get 0.5% of your spend back
  • Spend $10,000+ per CashBack year and get 1% of your spend back with no limit on the cash back you can earn (minimum spend to qualify is $5,000 per CashBack year)

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

Additional Card Fee/Joint Account$10 p.a. (charged $5 half yearly)

Minimum Credit Limit$5,000

Foreign Currency Purchases0% commission on foreign cash purchases from any ANZ branch in New Zealand

Overseas Travel InsuranceUse your card to pay for at least half your pre-paid travel expenses and you'll get Overseas Travel Insurance for your trip.

Payment TypeApple Pay & Google Pay

Other-

More Info
ASB Bank
56400
ASB Visa Rewards
Purchase Rate (p.a.)

20.95%

Balance Transfer

0% p.a. for 6 months

Interest Free Days

Up to 55 days

True Rewards: $150 = TR$1 or AA Smartfuel: $75 = 1c off per/L

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

Additional Card Fee/Joint Account$6 per card, every 6 months

Minimum Credit Limit$500

Foreign Currency Purchases-

Overseas Travel Insurance-

Payment TypeApple Pay & Google Pay

Other-

More Info
Bank of New Zealand
56401
BNZ Advantage Classic
Purchase Rate (p.a.)

20.95%

Balance Transfer

0% p.a. for 6 months

Interest Free Days

Up to 55 days

Choose your rewards - Fly Buys points or Cash Rewards. $40 spend = 1 Fly Buys point or $150 spend = $1 Cash Reward

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

Additional Card Fee/Joint Account$6 half-yearly

Minimum Credit Limit$500

Foreign Currency Purchases-

Overseas Travel Insurance-

Payment TypeApple Pay & Google Pay

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
ASB Bank
56394
ASB Visa Platinum Rewards
Purchase Rate (p.a.)

19.95%

Balance Transfer

0% for 6 months

Interest Free Days

Up to 55 days

True Rewards: $100 = TR$1 or AA Smartfuel: $50 = 1c off per/L

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

Additional Card Fee/Joint Account$15 per card, every 6 months

Minimum Credit Limit$8,000

Foreign Currency PurchasesFor overseas transactions made using your ASB Visa card Offshore Service Margins of 2.10% of the New Zealand dollar amount of the transaction are charged.

Overseas Travel InsuranceBuilt-in Travel Insurance

Payment Type-

Other-

More Info
Westpac
56405
Westpac hotpoints MasterCard
Purchase Rate (p.a.)

20.95%

Balance Transfer

5.95% p.a. for the life of the balance transferred

Interest Free Days

Up to 55 days

Earn 1 hotpoint for every $1 spent on your card

Promotion Details

$0 Annual Fee for 2 years on a new hotpoints Mastercard

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

Additional Card Fee/Joint Account$15 per year

Minimum Credit Limit$500

Foreign Currency PurchasesPay no international transaction fee

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
Flight Centre
56409
Flight Centre Mastercard
Purchase Rate (p.a.)

22.95%

Balance Transfer

-

Interest Free Days

Up to 44 days

You'll earn double Flight Centre Rewards on in-store and online purchases at Flight Centre New Zealand.

Interest Rate Cash Advance (p.a.)24.95%

Additional Card Fee/Joint AccountFree

Minimum Credit Limit-

Foreign Currency PurchasesNo international transaction fees

Overseas Travel Insurance

Payment TypeApple Pay

Other-

More Info
Farmers
56410
Farmers Mastercard
Purchase Rate (p.a.)

25.95%

Balance Transfer

-

Interest Free Days

Up to 55 days

Spend $10 earn 1 Farmers Club Point

Interest Rate Cash Advance (p.a.)27.50%

Additional Card Fee/Joint Account-

Minimum Credit Limit

Foreign Currency Purchases

Overseas Travel Insurance

Payment TypeApple Pay

Other-

More Info
Gem
48926
Gem Visa
Purchase Rate (p.a.)

25.99%

Balance Transfer

-

Interest Free Days

55 days on purchases under $250

When you spend $250 and over at 40 million locations where Visa is accepted, you automatically get 6 months interest free

Interest Rate Cash Advance (p.a.)25.99%

Additional Card Fee/Joint Account-

Minimum Credit Limit-

Foreign Currency Purchases-

Overseas Travel Insurance-

Payment Type-

Other-

More Info
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