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: 15 May, 2025
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 |
|---|---|---|---|---|---|---|
 Westpac Fee Free MasterCard Credit Card | 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 |
 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 1,500 airport lounges around the world and overseas travel insurance for up to 120 days per round trip. Reward Points Cash Equivalent: $100 spend earns $1.11 cash equivalent (for up to $15,000 spend)^. $100 spend earns $0.55 cash equivalent (for over $15,000 spend)^. | 16.95% p.a. | 5.95% for life of balance transferred | 22.95% p.a. | $285.00 | 44 days |
 TSB Low Rate Mastercard Credit Card | 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 |
 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 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 |
 ANZ Low Rate Visa Card | 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 |
 Kiwibank Air New Zealand Airpoints Low Fee Visa Credit Card | 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 |
 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 5.95% for life of balance transferred. It also comes with Priority Pass lounge access to over 1,500 airport lounges around the world. Reward Points Cash Equivalent: $100 spend earns $1.05 cash equivalent (for up to $15,000 spend)^. $100 spend earns $0.52 cash equivalent (for over $15,000 spend)^. | 16.95% | 5.95% for life of balance transferred | 22.95% | $310.00 | 44 days |
 ASB Visa Business Rewards Credit Card | The ASB Visa Business Rewards Credit Card is a business rewards credit card that allows you to earn either True Rewards or Everyday Rewards. For True Rewards, you get 1 True Rewards Dollar for every $100 you spend with your ASB Visa Business Rewards Credit Card, and for Everyday Rewards, you earn 1 Everyday Rewards point for every $1 you spend on your card. | 19.95% | 0.00% | 22.95% | $70.00 | 50 days |
 ASB Visa Platinum Rewards Credit Card | 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 |
 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. 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 |
 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. 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 |
 Westpac Airpoints MasterCard Credit Card | 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 |
 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 5.95% for the life of the balance transferred. Reward Points Cash Equivalent: $100 spend earns $0.90 cash equivalent (for up to $7,000 spend)^. $100 spend earns $0.45 cash equivalent (for over $7,000 spend)^. | 20.95% p.a. | 5.95% for life of balance transferred | 22.95% p.a. | $125.00 | 44 days |
 Westpac BusinessPLUS Mastercard with Hotpoints | The Westpac BusinessPLUS Mastercard with Hotpoints credit card is a business rewards credit card that allows you to earn 1.25 hotpoints® for every $1 of business spend but also comes with other benefits such as Up to 35 days of overseas travel insurance and purchase protection of up to 90 days, and extended warranty on purchases. | 20.95% | 5.95% | 22.95% | $100.00 | 55 days |
 Westpac Airpoints Business Mastercard Credit Card | The Westpac Airpoints Business Mastercard is a business rewards credit card that allows you to earn 1 Airpoints Dollar for every $85 on eligible business spend, plus it comes with other benefits such as Up to 35 days of overseas travel insurance, purchase protection of up to 90 days, discount on 12-month Air New Zealand koru membership, extended warranty on purchases, and you earn one Status Point for every $225 you spend on eligible purchases. | 20.95% | N/A | 22.95% | $145.00 | 44 days |
 Kiwibank Air New Zealand Airpoints Platinum Visa Credit Card | Earn 1 Airpoints Dollar™ for every $115 spent on eligible purchases. This card also comes with complimentary overseas travel insurance for you and your immediate family travelling with you for up to 40 days. Reward Points Cash Equivalent: $100 spend earns $0.64 cash equivalent^. | 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. Reward Points Cash Equivalent: $100 spend earns $0.66 cash equivalent^. | 20.95% | 0.00% for 6 months | 22.95% | $40.00 | 55 days |
 The American Express Airpoints Credit Card | With this card you get Interest Free (0% P.A.) on purchases for the first 6 months, plus NO ANNUAL FEE and you 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. Reward Points Cash Equivalent: $100 spend earns $1.00 cash equivalent^. | 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 | The Gem Visa credit card comes with a purchase rate of 29.49% and an annual fee of $65 p.a. Get 0% for the first 6 months on purchases $250 or more. T&Cs apply. | 29.49% plus 0% interest for 6 months on purchases $250 or more. T&Cs apply. | N/A | 29.95% | $65.00 | 55 days for purchases under $250 |
^ 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.