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:

*please review the details on the provider's site again before applying

CardDescriptionPurchase Rate (p.a.)Balance TransferCash Rate (p.a.)Annual FeeInterest Free Days
read more about ASB Visa Business Rewards Credit Card
ASB Visa Business Rewards Credit Card
The ASB Visa Business Rewards credit card is a Rewards credit card with travel insurance19.95%0.00%22.95%$100.00 55 days
read more about ASB Visa Credit Card
ASB Visa Credit Card
The ASB Visa credit card has a low annual fee and 0% balance transfer for 6 months20.95%0.00%22.95%$24.00 55 days
read more about ASB Visa Gold Rewards Credit Card
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 months20.95%0.00%22.95%$80.00 55 days
read more about 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 months13.50%0.00%22.95%$0.00 55 days
read more about ASB Visa Platinum Rewards Credit Card
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 children19.95%0.00%22.95%$130.00 55 days
read more about ASB Visa Rewards Credit Card
ASB Visa Rewards Credit Card
The ASB Visa credit card has a low annual fee and 0% balance transfer for 6 months20.95%0.00%22.95%$24.00 55 days
read more about 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 months20.95%0.00%22.95%$40.00 55 days
read more about 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 insurance18.95%0.00%18.95%$150.00 55 days
read more about 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 months13.45%0.00% $60.00 55 days
read more about Air New Zealand Airpoints Platinum MasterCard
Air New Zealand Airpoints Platinum MasterCard
A Platinum Airpoints credit card in partnership with Air New Zealand20.95%1.99%22.95%$150.00 44 days
read more about ANZ Low Rate Visa Card
ANZ Low Rate Visa Card
The ANZ Low Rate Visa Card offers a low interest rate of 13.90% and a balance transfer rate of 1.99% for 12 months13.90%1.99%22.95%$35.00 55 days
read more about Kiwibank Low Rate MasterCard Credit Card
Kiwibank Low Rate MasterCard Credit Card
A great low interest low balance transfer credit card that might suit people with significant credit card debt13.45%1.99%22.95%$50.00 55 days
read more about Kiwibank MasterCard Gold Credit Card
Kiwibank MasterCard Gold Credit Card
Kiwibank MasterCard Gold comes with complimentary travel insurance and a relatively low interest rate17.90%1.99%22.95%$80.00 55 days
read more about Kiwibank MasterCard Zero Credit Card
Kiwibank MasterCard Zero Credit Card
A great everyday card with no annual fee and relatively low purchase rate16.90%1.99%22.95%$0.00 55 days
read more about 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 months20.95%1.99%22.95%$55.00 55 days
read more about 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 months20.95%1.99%22.95%$145.00 44 days
read more about 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 months20.95%1.99%22.95%$44.00 55 days
read more about 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 insurance20.95%1.99%22.95%$125.00 55 days
read more about Westpac hotpoints World MasterCard Credit Card
Westpac hotpoints World MasterCard Credit Card
The Westpac hotpoints World MasterCard Credit Card is a reward credit card with travel insurance16.95%1.99%22.95%$390.00 55 days
read more about Westpac Airpoints World MasterCard Credit Card
Westpac Airpoints World MasterCard Credit Card
The Westpac Airpoints World MasterCard Credit Card is a reward credit card with 5.95% p.a. for the life time of the balance transferred16.95%5.95%22.95%$390.00 55 days
read more about 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 5.95% balance transfer for the life time of the balance transferred13.45%5.95%22.95%$65.00 55 days
Purchase Rate:
19.95%
Balance Transfer:
0% for 6 months
Cash Rate:
22.95%
Annual Fee:
$100.00
Interest Free:
55 days
Purchase Rate:
20.95%
Balance Transfer:
0% for 6 months
Cash Rate:
22.95%
Annual Fee:
$24.00
Interest Free:
55 days
Purchase Rate:
20.95%
Balance Transfer:
0% for 6 months
Cash Rate:
22.95%
Rewards:
Earn True Rewards Dollars that can be redeemed instantly at our partner stores or online.
Annual Fee:
$80.00
Interest Free:
55 days
Purchase Rate:
13.50%
Balance Transfer:
0% for 6 months
Cash Rate:
22.95%
Annual Fee:
$0.00
Interest Free:
55 days
Purchase Rate:
19.95%
Balance Transfer:
0% for 6 months
Cash Rate:
22.95%
Rewards:
Earn True Rewards, Travel Insurance
Annual Fee:
$130.00
Interest Free:
55 days
Purchase Rate:
20.95%
Balance Transfer:
0% for 6 months
Cash Rate:
22.95%
Rewards:
Earn True Rewards Dollars that can be redeemed instantly at our partner stores or online.
Annual Fee:
$24.00
Interest Free:
55 days
Purchase Rate:
20.95%
Balance Transfer:
0% p.a. for 12 months
Cash Rate:
22.95%
Annual Fee:
$40 charged as $20 half yearly. Additional card $12 p.a
Interest Free:
55 days
Purchase Rate:
18.95%
Balance Transfer:
0% p.a. for 12 months
Cash Rate:
18.95%
Annual Fee:
$150 charged as $72.50 half yearly. Additional card $20 p.a
Interest Free:
55 days
Purchase Rate:
13.45%
Balance Transfer:
0% p.a. for 12 months
Annual Fee:
$60 charged as $5 monthly
Interest Free:
55 days
Purchase Rate:
20.95%
Balance Transfer:
1.99% p.a. for the first 6 months on any transferred balance from a non-Kiwibank credit card
Cash Rate:
22.95%
Annual Fee:
$150 p.a (charged $75 half-yearly)
Interest Free:
44 days
Purchase Rate:
13.90%
Balance Transfer:
1.99% p.a. for 12 months
Cash Rate:
22.95%
Annual Fee:
Get $0 annual fee for the first 12 months after that $35 charged yearly
Interest Free:
55 days
Purchase Rate:
13.45%
Balance Transfer:
1.99% p.a. for 6 months
Cash Rate:
22.95%
Annual Fee:
$50 i.e. $25 account fee every six months. $5 fee for a joint or additional cardholder every six mon...
Interest Free:
55 days
Purchase Rate:
17.90%
Balance Transfer:
1.99% p.a. for 6 months
Cash Rate:
22.95%
Rewards:
Complimentary Travel Insurance
Annual Fee:
$80 charged as $40 every six months
Interest Free:
55 days
Purchase Rate:
16.90%
Balance Transfer:
1.99% p.a. for 6 months
Cash Rate:
22.95%
Annual Fee:
No Annual Fee
Interest Free:
55 days
Purchase Rate:
20.95%
Balance Transfer:
1.99% p.a. for 12 months
Cash Rate:
22.95%
Rewards:
Earn one Airpoints Dollar for every NZD$120 spent on the card
Annual Fee:
$0 for the first 2 years and after that $55 per year Paid in two 6-monthly instalments of $27.50.
Interest Free:
55 days
Purchase Rate:
20.95%
Balance Transfer:
1.99% p.a. for 12 months
Cash Rate:
22.95%
Rewards:
Earn one Airpoints Dollar for every NZD$75 spent on the card
Annual Fee:
$145 per year Paid in two 6-monthly instalments of $72.50
Interest Free:
44 days
Purchase Rate:
20.95%
Balance Transfer:
1.99% p.a. for 12 months
Cash Rate:
22.95%
Rewards:
Earn 1 hotpoint for every $1 spent on the card
Annual Fee:
$44 p.a.
Interest Free:
55 days
Purchase Rate:
20.95%
Balance Transfer:
1.99% p.a. for 12 months
Cash Rate:
22.95%
Rewards:
Earn 2 hotpoints® for every $1 spent on the card
Annual Fee:
$125 p.a. per year Paid in two 6-monthly instalments of $62.50.
Interest Free:
55 days
Purchase Rate:
16.95%
Balance Transfer:
1.99% p.a. for 12 months
Cash Rate:
22.95%
Rewards:
Earn 3 hotpoints® for every $1 spent on the card
Annual Fee:
$390 p.a. paid in two 6-monthly instalments of $195
Interest Free:
55 days
Purchase Rate:
16.95%
Balance Transfer:
5.95% p.a. for the life time of the balance transferred
Cash Rate:
22.95%
Rewards:
Earn one Airpoints Dollar for every NZD$65 spent on the card
Annual Fee:
$390 per year Paid in two 6-monthly instalments of $195
Interest Free:
55 days
Purchase Rate:
13.45%
Balance Transfer:
5.95% p.a. for the life time of the balance transferred
Cash Rate:
22.95%
Annual Fee:
$0 annual fee for 2 years then $32.50 half yearly
Interest Free:
55 days

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.