Long Term Balance Transfer Credit Cards

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
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 More Info » Apply Now »
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 More Info » Apply Now »
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 More Info » Apply Now »
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 More Info » Apply Now »
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 More Info » Apply Now »
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 More Info » Apply Now »
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 More Info » Apply Now »
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 More Info » Apply Now »
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 More Info » Apply Now »
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 More Info » Apply Now »
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 More Info » Apply Now »
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 More Info » Apply Now »
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 More Info » Apply Now »

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About Long Term Balance Transfer Credit Cards

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.