Best Credit Card Balance Transfer Offers in NZ
We often get asked what is the “best credit cards balance transfer offers in NZ” so we have decided to put together a list of the best balance transfer credit cards in 2017 below.
The list below is our selection of best credit card balance transfer cards in NZ in order of preference. It is important to point out that the best balance transfer credit card for you would depend heavily on your payback goal. For a full list of all the New Zealand Credit Card Balance Transfer offers, visit our balance transfer page. read more ↓
Updated: 21 Nov, 2023
Best Balance Transfer Credit Cards:
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| Card | Description | Purchase Rate (p.a.) | Balance Transfer | Cash Rate (p.a.) | Annual Fee | Interest Free Days |
|---|---|---|---|---|---|---|
 Fee Free MasterCard Credit Card | Comes with a low rate of just 12.90% p.a. plus 0% balance transfer for the first 6 months and then 5.95% p.a. for the life of the balance transferred | 12.90% p.a. | 0% for 6 months. 5.95% for life of balance tran... | 19.95% p.a. | $0.00 | 55 days |
 Westpac Hotpoints World MasterCard Credit Card | Earn 2 hotpoints for every $1 spent on your card up to (and including) $15,000 then 1 hotpoint for every $1 spent on your card each month. Plus Priority Pass lounge access to over 1,300 airport lounges around the world and overseas travel insurance for up to 120 days per round trip. | 16.95% p.a. | 0% for 6 months then 5.95% for life of balance transferred | 22.95% p.a. | $285.00 | 44 days |
 ANZ Low Rate Visa Card | Features a low interest rate of 12.90% and a balance transfer rate of 1.99% for 24 months | 12.90% p.a. | 1.99% p.a. for 24 months | 19.95% p.a. | $0.00 | 55 days |
 Kiwibank Zero Visa Credit Card | 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 |
 Co-operative Bank Fair Rate Credit Card | 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 |
 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 | 13.5% p.a. | 0% p.a. for 6 months | 22.95% p.a. | $0.00 | 55 days |
 Air New Zealand Airpoints Low Fee Visa Credit Card | Earn 1 Airpoints Dollar™ for every $200 spent on eligible purchases. | 16.90% p.a. | 1.99% p.a. for 6 months | 16.90% p.a. | $50.00 | 44 days |
 Westpac Airpoints World MasterCard Credit Card | This card is a touch of everything including Airpoints, a relatively low interest rate of 16.95% and a balance transfer offer of 0% for 6 months then 5.95% for life of balance transferred | 16.95% | 0% for 6 months then 5.95% for life of balance transferred | 22.95% | $310.00 | 44 days |
 ASB Visa Platinum Rewards Credit Card | Get one True Rewards Dollar for every $100 you spend plus travel insurance for you, your spouse and your dependent children | 19.95% | 0% p.a. for 6 months | 22.95% | $80.00 | 55 days |
 Westpac Hotpoints MasterCard Credit Card | 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 | 20.95% p.a. | 0% for 6 months then 5.95% for life of balance transferred | 22.95% p.a. | $40.00 | 55 days |
 Westpac Hotpoints Platinum MasterCard Credit Card | 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 | 20.95% p.a. | 0% for 6 months then 5.95% for life of balance transferred | 22.95% p.a. | $70.00 | 55 days |
 Westpac Airpoints MasterCard Credit Card | Earn 1 Airpoints Dollar for every $150 spent on the card plus 0% on balance transfer for 6 months then 5.95% p.a. for the life of the balance transferred | 20.95% p.a. | 0% for 6 months then 5.95% for life of balance transferred | 22.95% p.a. | $70.00 | 55 days |
 Westpac Airpoints Platinum MasterCard Credit Card | Earn 1 Airpoints Dollar for every $110 spent on your card up to (and including) $7,000 then 1 Airpoints Dollar for every $220 spent on your card each month plus get 0% on balance transferred for 6 months then 5.95% for the life of the balance transferred | 20.95% p.a. | 0% for 6 months then 5.95% for life of balance transferred | 22.95% p.a. | $125.00 | 44 days |
 Kiwibank Air New Zealand Airpoints Platinum Visa Credit Card | Earn 1 Airpoints Dollar™ for every $115 spent on eligible purchases. | 20.95% | 1.99% p.a. for 6 months | 20.95% | $180.00 | 44 days |
 ASB Visa Rewards Credit Card | Get one True Rewards Dollar for every $150 you spend on your ASB Visa Rewards. One True Rewards Dollar equals one New Zealand dollar | 20.95% | 0.00% for 6 months | 22.95% | $40.00 | 55 days |
 The American Express Airpoints Credit Card | Interest Free (0% P.A.) on purchases for the first 6 months, plus NO ANNUAL FEE and earn 1 Air New Zealand Airpoints Dollar for every $100 you spend. CURRENT OFFER: 50 bonus Airpoints Dollars™ when you apply, are approved and spend $750 on your new Card within the first 3 months. New Card Members only. | 0% p.a. for 6 months then 22.95% p.a. | N/A | 22.95% p.a. | $0.00 | 55 days
No documents required to apply1 |
 Gem Visa Credit Card - Compare and Review | The Gem Visa credit card comes with a purchase rate of 26.99% and an annual fee of $52 p.a. | 26.99% | N/A | 26.99% | $52.00 | 55 days for purchases under $250 |