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BALANCE TRANSFER CARDS

Take advantage of interest free credit from 12 to 16 months. If you’re currently paying interest on an outstanding card balance then it may be time to consider transferring this to a new card. By moving your balance to a 0% card will allow you to pay down your borrowings much quicker, eliminating the amount of interest you pay.

To take advantage of this type of card you will need to settle the balance in full before the 0% balance transfer period ends, making sure you pay at least the minimum payment each month (or more if you can) and remember not to make any new purchases on the card. Check out your free credit score to see what balance transfer cards are available to you.

If you know your credit rating, select it by hovering your mouse over the panel to the right and clicking on the appropriate rating. If you don’t know your credit rating, click the button to calculate it for free. This will match up your rating with lender appetite to give you the best chance of success with your application.

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BNZ Low Rate MasterCard - 13.45% p.a. (VARIABLE)

APPLY TODAY
Find out more & apply online now
  • Bank in branch or using the internet
  • $5 monthly account fee
  • 0% for 12 months on balance transfers
  • No cashback or rewards offered

The Low Rate MasterCard boasts a competitive interest rate of only 13.45% p.a. Existing customer's who have their main income paid into a BNZ transaction account will also receive a balance transfer rate of 0% for the first 12 months upon account opening. If you're not an existing BNZ transaction account holder, BNZ will still offer a balance transfer option but at an increased rate of 4.99%. Unlike most credit cards in New Zealand, the Low Rate MasterCard's account fee is charged on a monthly basis at $5. Successful applicants will receive a minimum credit limit of $500.

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BNZ Classic - 20.95% p.a. (VARIABLE)

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Find out more & apply online now
  • Bank in branch or using the internet
  • $20 charged every 6 months
  • 0% for 12 months on balance transfers
  • Collect Fly Buys Points

An everyday credit card that rewards you for spending. For a very reasonable account fee of $40 ($20 charged half yearly) the card certainly doesn't disappoint. You will collect points for using your card, earning one Fly Buys point for every $40 spent. It's free to join the Fly Buys reward scheme and you can redeem your points online with over 1,500 products to choose from. Existing transaction account holders can also benefit from paying no interest on balance transfers for the first year. If you don't have an account with BNZ, then you will still be able to transfer a credit card balance, but at an interest rate of 4.99% for 12 months.

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Kiwibank MasterCard Gold - 17.9% p.a. (VARIABLE)

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Find out more & apply online now
  • Bank in branch or using the internet
  • $40 charged every 6 months
  • 0% for 12 months on balance transfers
  • Complimentary overseas travel insurance

Successful applicants will receive a minimum $5,000 credit limit which can be increased upon request. You will also receive complimentary overseas travel insurance for both you and your immediate family if purchasing travel or accommodation using the card. As like all KiwiBank credit cards on offer, you will pay 0% p.a. interest on any transferred balances for the first 12 months. After this period the rate will return to the purchase rate of 17.9% p.a. which is still competitive considering the Gold card status.

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Kiwibank Airpoints Standard MasterCard - 20.95% p.a. (VARIABLE)

APPLY TODAY
Find out more & apply online now
  • Bank in branch or using the internet
  • $32.50 charged every 6 months
  • Free signup to membership reward scheme
  • Earn Air New Zealand Airpoints Dollars

One Airpoints Dollar can be earned for every $120 spent on eligible purchases, with a further point being earned when spending over $100 on Air New Zealand products bought directly from Air New Zealand. It's free to become an Airpoints member and you'll be enrolled once your application has been approved. Use your Airpoints Dollars for hotel stays, rental car discounts or shopping in the Airpoints store. For $65 a year, this is definitely a card to consider with an easy reward redemption process that also gives you the flexibility on how to spend your Airpoints.

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