Updated: 13 Apr, 2021
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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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![]() Co-operative Bank Fair Rate Credit Card | The Fair Rate Credit Card from the Co-operative bank has a low purchase rate and a low annual fee of just $20. This is a great card if you are looking for a credit card with a low interest rate. | 12.95% p.a. | 0% p.a. for 6 months | 12.95% p.a. | $20.00 | 55 days
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![]() Kiwibank Low Rate Visa Credit Card | A great low interest rate credit card with balance transfer offer that might suit those looking for a low rate credit card | 9.95% p.a. | 1.0% p.a. for 12 months | 9.95% p.a. | $30.00 | 55 days
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![]() Kiwibank Zero Visa Credit Card | A great everyday card with no annual fee and relatively low purchase rate | 13.95% p.a. | 1.0% p.a. for 12 months | 13.95% p.a. | $0.00 | 55 days
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![]() Air New Zealand Airpoints Low Fee Visa Credit Card | Earn 1 Airpoints Dollar™ for every $160 spent on eligible purchases, or $140 spent on products bought directly from Air New Zealand | 16.9% p.a. | 1.0% p.a. for 12 months | 22.95% p.a. | $25.00 | 44 days
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![]() Kiwibank Platinum Visa Credit Card | Kiwibank Platinum Visa credit card comes with complimentary travel insurance for you and any immediate family travelling with you | 13.95% p.a. | 1.0% p.a. for 12 months | 13.95% p.a. | $80.00 | 55 days
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![]() Air New Zealand Airpoints Standard Visa Credit Card | Earn 1 Airpoints Dollar™ for every $120 spent on eligible purchases, or $100 spent on Air New Zealand products | 20.95% | 1.0% p.a. for 12 months | 22.95% | $65.00 | 44 days
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![]() 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
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![]() Westpac Low Rate MasterCard Credit Card | Comes with a low rate of just 13.45% p.a. plus 5.95% p.a. for the life of the balance transferred | 13.45% p.a. | 5.95% for life of balance transferred | 22.95% p.a. | $25.00 | 55 days
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![]() Westpac Hotpoints MasterCard Credit Card | Earn 1 hotpoint for every $1 spent on the card plus a balance transfer offer of 5.95% for the life of the balance transferred | 20.95% p.a. | 5.95% for life of balance transferred | 22.95% p.a. | $44.00 | 55 days
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![]() Westpac hotpoints World MasterCard Credit Card | Earn 3 hotpoints per $1 dollar spent plus free airport lounge access, free travel insurance, purchase protection, extended warranty and more | 16.95% p.a. | 5.95% for life of balance transferred | 22.95% p.a. | $390.00 | 55 days
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![]() Westpac Airpoints MasterCard Credit Card | Earn one Airpoints Dollar for every NZD$120 spent on the card plus 5.95% p.a. for the life of the balance transferred | 20.95% p.a. | 5.95% for life of balance transferred | 22.95% p.a. | $55.00 | 55 days
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![]() Westpac Airpoints Platinum MasterCard Credit Card | Earn 1 Airpoints Dollar for every $75 spent on the card plus get 5.95% for the life of the balance transferred | 20.95% p.a. | 5.95% for life of balance transferred | 22.95% p.a. | $150.00 | 44 days
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![]() 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 the life of the balance transferred | 16.95% | 5.95% for life of balance transferred | 22.95% | $390.00 | 55 days
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Long term balance transfer credit cards are credit cards with balance transfer of a minimum of 12 months. Some long term balance transfer credit cards can have balance transfers of up to 24 months.