Protection against unauthorised use of your card or account details.
Interest rates & fees
Interest rates are subject to change.
Account fee (every quarter)
$6.25 per card
Interest rate on purchases and cash advances
Interest free days
Up to 55
Interest free period applies provided you pay off your entire outstanding debit balance in full each month by the due date. Interest free period doesn't apply to cash advances or balance transfers.
Late payment fee
When your minimum payment isn’t received by us on or before the payment date shown in your monthly statement
$3 per late payment
Please note when your monthly statement shows an amount due immediately, any payment you make will be applied to this amount before being applied to your minimum payment. This means that you must pay both amounts to avoid being charged this fee.
International transaction fee
When you use your credit card for a foreign currency transaction
1.85% of the New Zealand dollar amount once converted. This will show on your internet banking and the mobile app as:
Currency Conv Assessment 1.0%
Foreign Currency Txn Fee 0.85%
Replacement card fee
When you ask us for a replacement credit card
$9.50 per request
Urgent card delivery fee (in New Zealand)
Courier charge for urgent delivery of a credit card in New Zealand
$2.60 per delivery
Urgent card delivery fee (international)
Courier charge for urgent delivery of a credit card worldwide
Price on application
Cash advance fee
When you withdraw or transfer money from your available credit card balance
Internet banking or mobile app.
Cash advance in New Zealand - ATM or staff assisted.
Cash advance overseas - ATM or staff assisted.
$6 per transaction
Other banks may charge an additional fee.
Maximum amount for cash advance
The maximum amount that you can withdraw or transfer from your credit card account.
$1,000 per day from ATMs (no maximum number of withdrawals per day).
$5,000 per day over the counter from banks and financial institutions, and via internet banking (limited to two withdrawals or transfers per day).
For purchases up to $200 in New Zealand, just tap your card on the reader to make a purchase. For purchases over $200, you can still tap your card, but you’ll need to sign or enter your PIN to complete the transaction. Different transaction limits may apply overseas.
Apply for a Business Low Rate Visa
Get a decision within minutes using our Fast Capital application by linking your Xero or MYOB AccountRight Live data. Or talk to a business banking expert who can talk through your options.
Have a Xero or MYOB account?
If you're a director of a New Zealand registered company with Xero or MYOB AccountRight Live data - applying will be quick.