Balance Transfer Credit Cards – Credit Card Balance Transfer Cards

Credit card balance transfer allows you to transfer your existing credit card balance to a new credit card and repay at a much lower rate for a set period. Some balance transfer credit cards offer balance transfer rates as low as 0% for 12 months. It’s important to remember that even with a balance transfer offer of 0% you must still make your minimum monthly repayments in order not to incur a monthly penalty rate … Read more →

Compare Balance Transfer Credit Cards:

Note: please review the details on the provider's site before applying
Card Description Purchase Rate (p.a.) Cash Rate (p.a.) Balance Transfer Interest Free Days Annual Fee Apply
ASB Visa Light Credit Card
ASB Visa Light Credit Card
The ASB Visa Light credit card has no annual fee, a low purchase rate and 0% balance transfer for 6 months 13.50% Apply for ASB Visa Light Credit Card 22.95% Apply for ASB Visa Light Credit Card 0.00% Apply for ASB Visa Light Credit Card 55 days Apply for ASB Visa Light Credit Card $0.00 Apply for ASB Visa Light Credit Card Apply for ASB Visa Light Credit Card
BNZ Low Rate MasterCard Credit Card
BNZ Low Rate MasterCard Credit Card
BNZ Low Rate MasterCard Credit Card is a Low interest rate credit card with a great balance transfer offer of 0% for 12 months 13.45% Apply for BNZ Low Rate MasterCard Credit Card Unknown Apply for BNZ Low Rate MasterCard Credit Card 0.00% Apply for BNZ Low Rate MasterCard Credit Card 55 days Apply for BNZ Low Rate MasterCard Credit Card $60.00 Apply for BNZ Low Rate MasterCard Credit Card Apply for BNZ Low Rate MasterCard Credit Card
BNZ Advantage Classic Mastercard Credit Card
BNZ Advantage Classic MasterCard Credit Card
BNZ Advantage Classic MasterCard Credit Card is a reward credit card with a great balance transfer offer of 0% for 12 months 20.95% Apply for BNZ Advantage Classic MasterCard Credit Card 22.95% Apply for BNZ Advantage Classic MasterCard Credit Card 0.00% Apply for BNZ Advantage Classic MasterCard Credit Card 55 days Apply for BNZ Advantage Classic MasterCard Credit Card $40.00 Apply for BNZ Advantage Classic MasterCard Credit Card Apply for BNZ Advantage Classic MasterCard Credit Card
BNZ Advantage Classic Visa Credit Card
BNZ Advantage Classic Visa Credit Card
BNZ Advantage Classic Visa Credit Card is a reward credit card with a great balance transfer offer of 0% for 12 months 20.95% Apply for BNZ Advantage Classic Visa Credit Card 22.95% Apply for BNZ Advantage Classic Visa Credit Card 0.00% Apply for BNZ Advantage Classic Visa Credit Card 55 days Apply for BNZ Advantage Classic Visa Credit Card $40.00 Apply for BNZ Advantage Classic Visa Credit Card Apply for BNZ Advantage Classic Visa Credit Card
ASB Visa Platinum Rewards Credit Card - Black
ASB Visa Platinum Rewards Credit Card
The ASB Visa Platinum credit card is a reward card with travel insurance for you, your spouse and your dependent children 19.95% Apply for ASB Visa Platinum Rewards Credit Card 22.95% Apply for ASB Visa Platinum Rewards Credit Card 0.00% Apply for ASB Visa Platinum Rewards Credit Card 55 days Apply for ASB Visa Platinum Rewards Credit Card $80.00 Apply for ASB Visa Platinum Rewards Credit Card Apply for ASB Visa Platinum Rewards Credit Card
BNZ Advantage Visa Platinum Credit Card
BNZ Advantage Visa Platinum Credit Card
BNZ Advantage Visa Platinum Credit Card is a reward credit card with a great balance transfer offer of 0% for 12 months and travel insurance 18.95% Apply for BNZ Advantage Visa Platinum Credit Card 18.95% Apply for BNZ Advantage Visa Platinum Credit Card 0.00% Apply for BNZ Advantage Visa Platinum Credit Card 55 days Apply for BNZ Advantage Visa Platinum Credit Card $150.00 Apply for BNZ Advantage Visa Platinum Credit Card Apply for BNZ Advantage Visa Platinum Credit Card
ASB Visa Gold Rewards Credit Card - Gold
ASB Visa Gold Rewards Credit Card
The ASB Visa Gold credit card is a reward card with travel insurance and 0% balance transfer for 6 months 20.95% Apply for ASB Visa Gold Rewards Credit Card 22.95% Apply for ASB Visa Gold Rewards Credit Card 0.00% Apply for ASB Visa Gold Rewards Credit Card 55 days Apply for ASB Visa Gold Rewards Credit Card $80.00 Apply for ASB Visa Gold Rewards Credit Card Apply for ASB Visa Gold Rewards Credit Card
ASB Visa Rewards Credit Card - Yellow
ASB Visa Rewards Credit Card
The ASB Visa credit card has a low annual fee and 0% balance transfer for 6 months 20.95% Apply for ASB Visa Rewards Credit Card 22.95% Apply for ASB Visa Rewards Credit Card 0.00% Apply for ASB Visa Rewards Credit Card 55 days Apply for ASB Visa Rewards Credit Card $24.00 Apply for ASB Visa Rewards Credit Card Apply for ASB Visa Rewards Credit Card
ASB Visa Credit Card - Yellow
ASB Visa Credit Card
The ASB Visa credit card has a low annual fee and 0% balance transfer for 6 months 20.95% Apply for ASB Visa Credit Card 22.95% Apply for ASB Visa Credit Card 0.00% Apply for ASB Visa Credit Card 55 days Apply for ASB Visa Credit Card $24.00 Apply for ASB Visa Credit Card Apply for ASB Visa Credit Card
Air New Zealand Airpoints Platinum Mastercard
Air New Zealand Airpoints Platinum MasterCard
A Platinum Airpoints credit card in partnership with Air New Zealand 20.95% Apply for Air New Zealand Airpoints Platinum MasterCard 22.95% Apply for Air New Zealand Airpoints Platinum MasterCard 1.99% Apply for Air New Zealand Airpoints Platinum MasterCard 44 days Apply for Air New Zealand Airpoints Platinum MasterCard $150.00 Apply for Air New Zealand Airpoints Platinum MasterCard Apply for Air New Zealand Airpoints Platinum MasterCard
Kiwibank MasterCard Zero Credit Card
Kiwibank MasterCard Zero Credit Card
A great everyday card with no annual fee and relatively low purchase rate 16.90% Apply for Kiwibank MasterCard Zero Credit Card 22.95% Apply for Kiwibank MasterCard Zero Credit Card 1.99% Apply for Kiwibank MasterCard Zero Credit Card 55 days Apply for Kiwibank MasterCard Zero Credit Card $0.00 Apply for Kiwibank MasterCard Zero Credit Card Apply for Kiwibank MasterCard Zero Credit Card
ANZ Low Rate MasterCard
ANZ Low Rate MasterCard
The ANZ Low Rate MasterCard offers a great balance transfer for 12 months and low interest rate 13.90% Apply for ANZ Low Rate MasterCard 22.95% Apply for ANZ Low Rate MasterCard 1.99% Apply for ANZ Low Rate MasterCard 55 days Apply for ANZ Low Rate MasterCard $58.00 Apply for ANZ Low Rate MasterCard Apply for ANZ Low Rate MasterCard
ANZ Visa or ANZ MasterCard
ANZ Visa or ANZ MasterCard
A no frills credit card with a low annual fee and low balance transfer rate 20.95% Apply for ANZ Visa or ANZ MasterCard 22.95% Apply for ANZ Visa or ANZ MasterCard 1.99% Apply for ANZ Visa or ANZ MasterCard 55 days Apply for ANZ Visa or ANZ MasterCard $30.00 Apply for ANZ Visa or ANZ MasterCard Apply for ANZ Visa or ANZ MasterCard
Kiwibank MasterCard Gold Credit Card
Kiwibank MasterCard Gold Credit Card
Kiwibank MasterCard Gold comes with complimentary travel insurance and a relatively low interest rate 17.90% Apply for Kiwibank MasterCard Gold Credit Card 22.95% Apply for Kiwibank MasterCard Gold Credit Card 1.99% Apply for Kiwibank MasterCard Gold Credit Card 55 days Apply for Kiwibank MasterCard Gold Credit Card $80.00 Apply for Kiwibank MasterCard Gold Credit Card Apply for Kiwibank MasterCard Gold Credit Card
Kiwibank Low Rate MasterCard
Kiwibank Low Rate MasterCard Credit Card
A great low interest low balance transfer credit card that might suit people with significant credit card debt 13.45% Apply for Kiwibank Low Rate MasterCard Credit Card 22.95% Apply for Kiwibank Low Rate MasterCard Credit Card 1.99% Apply for Kiwibank Low Rate MasterCard Credit Card 55 days Apply for Kiwibank Low Rate MasterCard Credit Card $50.00 Apply for Kiwibank Low Rate MasterCard Credit Card Apply for Kiwibank Low Rate MasterCard Credit Card
The Westpac hotpoints MasterCard Credit Card
Westpac hotpoints MasterCard Credit Card
The Westpac hotpoints MasterCard Credit Card is a reward credit card with a 1.99% balance transfer rate for 12 months 20.95% Apply for Westpac hotpoints MasterCard Credit Card 22.95% Apply for Westpac hotpoints MasterCard Credit Card 1.99% Apply for Westpac hotpoints MasterCard Credit Card 55 days Apply for Westpac hotpoints MasterCard Credit Card $44.00 Apply for Westpac hotpoints MasterCard Credit Card Apply for Westpac hotpoints MasterCard Credit Card
The Westpac Airpoints World MasterCard Credit Card - Black
Westpac Airpoints World MasterCard Credit Card
The Westpac Airpoints World MasterCard Credit Card is a reward credit card with a 1.99% balance transfer rate for 12 months 16.95% Apply for Westpac Airpoints World MasterCard Credit Card 22.95% Apply for Westpac Airpoints World MasterCard Credit Card 1.99% Apply for Westpac Airpoints World MasterCard Credit Card 55 days Apply for Westpac Airpoints World MasterCard Credit Card $390.00 Apply for Westpac Airpoints World MasterCard Credit Card Apply for Westpac Airpoints World MasterCard Credit Card
The Westpac Hotpoints BusinessPlus MasterCard Credit Card
Westpac Hotpoints BusinessPlus MasterCard Credit Card
The Westpac Hotpoints Businessplus MasterCard Credit Card is a reward credit card for businesses 20.95% Apply for Westpac Hotpoints BusinessPlus MasterCard Credit Card Unknown Apply for Westpac Hotpoints BusinessPlus MasterCard Credit Card 1.99% Apply for Westpac Hotpoints BusinessPlus MasterCard Credit Card 44 days Apply for Westpac Hotpoints BusinessPlus MasterCard Credit Card $100.00 Apply for Westpac Hotpoints BusinessPlus MasterCard Credit Card Apply for Westpac Hotpoints BusinessPlus MasterCard Credit Card
The Westpac Airpoints Platinum MasterCard Credit Card
Westpac Airpoints Platinum MasterCard Credit Card
The Westpac Airpoints Platinum MasterCard Credit Card is a reward credit card with a 1.99% balance transfer rate for 12 months 20.95% Apply for Westpac Airpoints Platinum MasterCard Credit Card 22.95% Apply for Westpac Airpoints Platinum MasterCard Credit Card 1.99% Apply for Westpac Airpoints Platinum MasterCard Credit Card 55 days Apply for Westpac Airpoints Platinum MasterCard Credit Card $145.00 Apply for Westpac Airpoints Platinum MasterCard Credit Card Apply for Westpac Airpoints Platinum MasterCard Credit Card
The Westpac Airpoints MasterCard Credit Card
Westpac Airpoints MasterCard Credit Card
The Westpac Airpoints MasterCard Credit Card is a reward credit card with a 1.99% balance transfer rate for 12 months 20.95% Apply for Westpac Airpoints MasterCard Credit Card 22.95% Apply for Westpac Airpoints MasterCard Credit Card 1.99% Apply for Westpac Airpoints MasterCard Credit Card 55 days Apply for Westpac Airpoints MasterCard Credit Card $55.00 Apply for Westpac Airpoints MasterCard Credit Card Apply for Westpac Airpoints MasterCard Credit Card
The Westpac Low Rate MasterCard Credit Card
Westpac Low Rate MasterCard Credit Card
The Westpac Low Rate MasterCard Credit Card is a Low interest rate with 1.99% balance transfer rate for 12 months 13.45% Apply for Westpac Low Rate MasterCard Credit Card 22.95% Apply for Westpac Low Rate MasterCard Credit Card 1.99% Apply for Westpac Low Rate MasterCard Credit Card 55 days Apply for Westpac Low Rate MasterCard Credit Card $65.00 Apply for Westpac Low Rate MasterCard Credit Card Apply for Westpac Low Rate MasterCard Credit Card
The Westpac hotpoints World MasterCard Credit Card - Black
Westpac hotpoints World MasterCard Credit Card
The Westpac hotpoints World MasterCard Credit Card is a reward credit card with travel insurance 16.95% Apply for Westpac hotpoints World MasterCard Credit Card 22.95% Apply for Westpac hotpoints World MasterCard Credit Card 1.99% Apply for Westpac hotpoints World MasterCard Credit Card 55 days Apply for Westpac hotpoints World MasterCard Credit Card $390.00 Apply for Westpac hotpoints World MasterCard Credit Card Apply for Westpac hotpoints World MasterCard Credit Card
The Westpac hotpoints Platinum MasterCard Credit Card
Westpac hotpoints Platinum MasterCard Credit Card
The Westpac hotpoints Platinum MasterCard Credit Card is a reward credit card with travel insurance 20.95% Apply for Westpac hotpoints Platinum MasterCard Credit Card 22.95% Apply for Westpac hotpoints Platinum MasterCard Credit Card 5.95% Apply for Westpac hotpoints Platinum MasterCard Credit Card 55 days Apply for Westpac hotpoints Platinum MasterCard Credit Card $125.00 Apply for Westpac hotpoints Platinum MasterCard Credit Card Apply for Westpac hotpoints Platinum MasterCard Credit Card

What to consider before getting a balance transfer credit card:

Credit card balance transfer rates do NOT apply to newly incurred debt on your new card, and once the credit card balance transfer period lapses, you would be charged at the normal purchase rate for the balance transferred.

If you expect to incur more debt on your card you might want to consider getting a card with a low interest rate as well as a balance transfer offer. We have compiled a list of these cards here.

Balance transfer credit card joining fee:

Some balance transfer offers come with a joining fee or set up fee and/or monthly fee which you need to take into consideration when deciding if it is worth switching to a balance transfer credit card. It is important that you read the terms and conditions to find out about all the fees that apply.

After a low interest rate credit card? Low interest credit cards offer on-going low interest rates. Visit our low interest credit cards page to view a list of New Zealand low interest rate credit cards.