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| Card | Description | Purchase Rate (p.a.) | Balance Transfer | Cash Rate (p.a.) | Annual Fee | Interest Free Days |
|---|---|---|---|---|---|---|
 The American Express Airpoints Card | INTEREST FREE on purchases for the first 6 months, plus earn 1 Air New Zealand Airpoints Dollar for every $100 you spend. What's more, you pay No-Annual fee. | 0% p.a. for the first 6 months reverting to 19.95% p.a. ther... | N/A | 21.95% p.a. | $0.00 | N/A No documents required1 |
 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 | 13.50% | 0% for 6 months | 22.95% | $0.00 | 55 days No documents required1 |
 Kiwibank MasterCard Zero Credit Card | A great everyday card with no annual fee and relatively low purchase rate | 16.90% | 1.99% p.a. for 6 months | 22.95% | $0.00 | 55 days No documents required1 |
A no-annual fee credit card, also referred to as a zero fee credit card, is a credit card with no annual fees. If you intend to pay off your credit card balance on time each month then a no-annual fee credit card might be suitable for you.
After a reward credit card? Rewards credit cards allow you to earn points just for using your credit card. You can then redeem points earned for cash or other goodies. Visit our rewards credit cards page to view a list of New Zealand rewards credit cards.
1. Documents not required with initial application, but might be required if your application is successful
