Keep it simple with a Low Rate Mastercard
No strings, no fuss
Our Low rate Mastercard comes with a range of great features to help you be good with money.
Low interest rate
Keep your credit card costs down with one of the lowest purchase interest rates in the market, and benefit from paying off your highest interest purchases first.
Managing your repayments is easy with our Low Rate Mastercard. The minimum monthly repayment is 2% of your balance or $25 – whatever is more.
World-leading card security
You'll feel completely at ease with our liquid encryption card security technology, zero fraud liability guarantee and purchase protection.
Change your card type or increase your limit
You can change to a different credit card or increase your credit card limit online.
A zero percent rate is smart. A zero balance is even smarter
Get 0% p.a. for 12 months on balances transferred to our Low Rate Mastercard, from a non-BNZ credit or store card. Conditions apply. After 12 months the standard purchase interest rate will apply to transferred balances.
Compare credit card rates, fees, & benefits
See every rate and fee for each of our cards, so you can choose the card that’s right for you.
Credit cards help and support
If your card is lost or stolen call 0800 735 901 (24 hours)
Or call us collect from a land line from here or overseas +64 4 473 5901
- Lost or stolen cards
- Unusual transactions
- Using your card overseas
- Shopping online
- Card fraud
- Updating your card details
- How a balance transfer works
- Change your credit card limit
- Paying your credit card bill
- Credit card interest and fees explained
- Notify us of your overseas travel plans
- Financial hardship
- Activate your travel insurance
- Insurance for your credit card
Low Rate Mastercard eligibility criteria, terms, conditions and other fees apply. Interest rates and account fees are subject to change. An additional fee applies for an additional card/joint account.
NetPromise only applies to online shopping sites with the following features: a padlock, key symbol or a URL that starts “https”; security and privacy statements; and a returns policy.
Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated.