We’ve put togeher below a list of the best balance transfer credit cards in New Zealand. Keep in mind this does not take into account your personal circumstance. The best balance transfer credit card for you should take into account your personal circumstance and needs. For a list of all balance transfer credit cards visit our balance transfer credit card page.
Updated: 14 Oct, 2024
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Card | Description | Purchase Rate (p.a.) | Balance Transfer | Cash Rate (p.a.) | Annual Fee | Interest Free Days |
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Westpac Fee Free MasterCard Credit Card
Platinum Award | Comes with a low rate of just 12.90% p.a. plus 5.95% p.a. for the life of the balance transferred to this card. it also comes with no annual fee, no cash advance fee and no foreign transaction fees. | 12.90% p.a. | 5.95% for life of balance transferred | 19.95% p.a. | $0.00 | 55 days
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Co-operative Bank Fair Rate Credit Card
Gold Award | The Fair Rate Credit Card has a very low purchase rate of 12.95% p.a. plus a balance transfer rate of 0% p.a. for 6 month. This might be a good card if you are looking for a credit card with a low interest rate and/or a card with a 0% p.a. balance transfer offer. | 12.95% p.a. | 0% p.a. for 6 months | 12.95% p.a. | $20.00 | 55 days
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ASB Visa Light Credit Card
Gold Award | The ASB Visa Light credit card has no annual fee, a low purchase rate and 0% balance transfer for 6 months plus 0% p.a. for 6 months when you spend $1,000 or more on any single eligible purchase | 13.5% p.a. | 0% p.a. for 6 months | 22.95% p.a. | $0.00 | 55 days
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TSB Low Rate Mastercard Credit Card
Gold Award | The TSB Low Rate Mastercard has a very low interest rate of 11.95% p.a. for purchases and cash advances. | 11.95% | 0% for 6 months | 11.95% | $20.00 | 55 days
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Westpac Hotpoints Platinum MasterCard Credit Card
Gold Award | Earn 1.5 hotpoints for every $1 spent on your card up to (and including) $7,000 then 1 hotpoint for every $1 spent on your card each month. Reward Points Cash Equivalent: $100 spend earns $0.83 cash equivalent (for up to $7,000 spend)^. $100 spend earns $0.55 cash equivalent (for over $7,000 spend)^. | 20.95% p.a. | 5.95% for life of balance transferred | 22.95% p.a. | $70.00 | 55 days
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ASB Visa Rewards Credit Card
Gold Award | Get one True Rewards Dollar for every $150 you spend on your ASB Visa Rewards. One True Rewards Dollar equals one New Zealand dollar. Reward Points Cash Equivalent: $100 spend earns $0.66 cash equivalent^. | 20.95% | 0.00% for 6 months | 22.95% | $40.00 | 55 days
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ASB Visa Platinum Rewards Credit Card
Gold Award | Choose between True Rewards or Everyday Rewards points. Earn 1 True Rewards Dollar for every $100 you spend or 1 Everyday Rewards point for every $1 spent on your ASB card. This card also comes with travel insurance for you, your spouse and your dependent children. Reward Points Cash Equivalent: $100 spend earns $1.00 cash equivalent in True Rewards points^. | 19.95% | 0% p.a. for 6 months | 22.95% | $80.00 | 55 days
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ANZ Low Rate Visa Card
Gold Award | Features a low interest rate of 13.90% and a balance transfer rate of 1.99% for 24 months | 13.90% | 1.99% p.a. for 24 months | 20.95% | $0.00 | 55 days
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Kiwibank Zero Visa Credit Card
Platinum Award | A low rate credit card with no annual fee and a 1.99% balance transfer for 6 months | 12.90% p.a. | 1.99% p.a. for 6 months | 12.90% p.a. | $0.00 | 55 days
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Kiwibank Air New Zealand Airpoints Low Fee Visa Credit Card
Gold Award | Earn 1 Airpoints Dollar™ for every $200 spent on eligible purchases. Reward Points Cash Equivalent: $100 spend earns $0.50 cash equivalent^. | 16.90% p.a. | 1.99% p.a. for 6 months | 16.90% p.a. | $50.00 | 44 days
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Westpac Hotpoints MasterCard Credit Card
Gold Award | Earn 1 hotpoint for every $1 spent on your card up to (and including) $3,500 then 0.5 hotpoints for every $1 spent on your card each month. Reward Points Cash Equivalent: $100 spend earns $0.55 cash equivalent (for up to $3,500 spend)^. $100 spend earns $0.27 cash equivalent (for over $3,500 spend)^. | 20.95% p.a. | 5.95% for life of balance transferred | 22.95% p.a. | $40.00 | 55 days
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Westpac Airpoints MasterCard Credit Card
3.5/5 Stars | Earn 1 Airpoints Dollar for every $150 spent on eligible purchases on your card up to (and including) $3,500 then 1 Airpoints Dollar for every $300 spent on your card each month. plus 5.95% p.a. for the life of the balance transferred to this card. Reward Points Cash Equivalent: $100 spend earns $0.66 cash equivalent (for up to $3,500 spend)^. $100 spend earns $0.33 cash equivalent (for over $3,500 spend)^. | 20.95% p.a. | 5.95% for life of balance transferred | 22.95% p.a. | $70.00 | 55 days
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^ To help you compare reward points across different credit cards and rewards programs, we provide an estimate of the cash-equivalent of the reward points that you will get back for every $100 you spend on eligible purchases with your card. The cash equivalent value given is an estimate only based on a specific redemption example. In some cases you might earn less or more depending on how you redeem your ponts and some reward points cannot be redeemed for cash directly. Click on the card to find out how the estimate was calculated.