Zero balance transfer credit cards are credit cards with 0% balance transfer interest rates for a fixed period of usually between 6 to 12 months. Compare Zero interest balance transfer credit cards.
Updated: 27 Nov, 2023
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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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![]() Fee Free MasterCard Credit Card | Comes with a low rate of just 12.90% p.a. plus 0% balance transfer for the first 6 months and then 5.95% p.a. for the life of the balance transferred | 12.90% p.a. | 0% for 6 months. 5.95% for life of balance tran... | 19.95% p.a. | $0.00 | 55 days
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![]() 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
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![]() 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 | 13.5% p.a. | 0% p.a. for 6 months | 22.95% p.a. | $0.00 | 55 days
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![]() 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 1,300 airport lounges around the world and overseas travel insurance for up to 120 days per round trip. | 16.95% p.a. | 0% for 6 months then 5.95% for life of balance transferred | 22.95% p.a. | $285.00 | 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 0% for 6 months then 5.95% for life of balance transferred | 16.95% | 0% for 6 months then 5.95% for life of balance transferred | 22.95% | $310.00 | 44 days
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![]() TSB Visa Classic Credit Card | The Visa Classic Credit Card is a standard everyday credit card with easy access to cash | 18.50% | 0% p.a for 6 months | 18.50% plus $2 per advance | $30.00 | N/A
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![]() ASB Visa Platinum Rewards Credit Card | Get one True Rewards Dollar for every $100 you spend plus travel insurance for you, your spouse and your dependent children | 19.95% | 0% p.a. for 6 months | 22.95% | $80.00 | 55 days
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![]() 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 | 20.95% p.a. | 0% for 6 months then 5.95% for life of balance transferred | 22.95% p.a. | $40.00 | 55 days
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![]() Westpac Airpoints MasterCard Credit Card | Earn 1 Airpoints Dollar for every $150 spent on the card plus 0% on balance transfer for 6 months then 5.95% p.a. for the life of the balance transferred | 20.95% p.a. | 0% for 6 months then 5.95% for life of balance transferred | 22.95% p.a. | $70.00 | 55 days
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![]() 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 0% on balance transferred for 6 months then 5.95% for the life of the balance transferred | 20.95% p.a. | 0% for 6 months then 5.95% for life of balance transferred | 22.95% p.a. | $125.00 | 44 days
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![]() 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 | 20.95% | 0.00% for 6 months | 22.95% | $40.00 | 55 days
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0% interest balance transfer credit cards might be a suitable option for you if you have significant credit card debt. Remember, you would still need to make your minimum repayments or you would be charged a penalty fee. For a full list of balance transfer cards visit our balance transfer cards page.
If you are looking for a longer-lasting balance transfer offer visit our balance transfer credit cards page to view all the balance transfer credit cards available.
The best credit card for you would depend on your personal circumstance and how you intend to use your credit card. We have put together a list of some of the best credit cards in New Zealand to help you find the best credit card in NZ to suit your individual needs. Alternatively, you can narrow down your search by credit card type such as interest free credit card, low rate credit card, balance transfer, credit card reward or air nz credit card