Low interest credit cards
Our low rate credit cards are designed to save you money. We've got a range of low rate cards to choose from, so you can make sure you get the one that best suits your needs.
Low Rate MasterCardTM
The card that costs you less, with a great everyday low rate of 12.90% p.a.
MasterCard Zero
Pay no account fees* if you use your card at least once every three months.
MasterCard Gold
A lower interest rate than rewards cards but with added benefits like higher credit limits and free travel insurance.
Conditions
*An inactivity fee and service fees may apply.
Other fees may apply. Interest rates subject to change. Important conditions and exclusions are set out in the 
policy wording (PDF 336 KB). Kiwibank MasterCard Gold Travel Insurance is arranged by Kiwibank and is issued by TOWER Insurance Limited.