Student Credit Cards – Compare Tertiary Student Debit Cards

You can usually ONLY apply for a credit card in New Zealand if you earn 20k or more per annum, so a credit card is usually not an option for most students, but many banks offer overdraft for students with their tertiary debit cards.

This offers the same benefits as a credit card, but usually with the added benefits of no annual fee, 0% interest and no-transaction fees. The down side is that this is usually limited to a credit limit of $1,000 to $2,000… read more ↓

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CardDescriptionPurchase Rate (p.a.)Balance TransferCash Rate (p.a.)Annual FeeInterest Free Days
read more about ASB Tertiary Visa Debit Card
ASB Tertiary Visa Debit Card
Comes with no annual fee, no interest fee on overdraft and free fries at Maccas with any purchase0.00%N/A0.00%$0.00 N/A*
read more about Kiwibank Tertiary Visa Debit Card
Kiwibank Tertiary Visa Debit Card
Comes with no annual fee for the first year, no transaction fee, no interest fee on overdraft 0.00%N/A0.00%$10.00 N/A*
Description:
Comes with no annual fee, no interest fee on overdraft and free fries at Maccas with any purchase
Purchase Rate:
0.00%
Balance Transfer:
N/A
Cash Rate:
0.00%
Annual Fee:
$0.00
Interest Free:
N/A*
Description:
Comes with no annual fee for the first year, no transaction fee, no interest fee on overdraft
Purchase Rate:
0.00%
Balance Transfer:
N/A
Cash Rate:
0.00%
Annual Fee:
$10 annual fee waived for the first year
Interest Free:
N/A*

Some students may be eligible to apply for a standard credit card if they earn 20k or more or if their application is counter signed by an adult with a good credit rating and a steady income. If you choose to apply for a standard credit card, a low interest rate and no-annual fee credit card might be suitable for you.

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