Pay less interest with a Low Rate Mastercard

Our simplest card is low maintenance and goes easy on your wallet with its low purchase interest rate and lean fees.

No strings, no fuss

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 higher interest balances first.

Simple repayments

Managing your repayments is easy with our Low Rate Mastercard. The minimum monthly repayment is 2% of your balance or $25 – whatever is more.

No surprises

  • 13.45% p.a. purchase interest rate
  • $17.50 half-yearly account fee
  • Up to 55 days interest free
  • $500 minimum limit

Save money when you make a balance transfer

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.  Find out how much you could save.

Peace of mind when you need it

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World-leading card security

Our liquid encryption technology updates the security information on your card’s magnetic strip every time you use it at a BNZ ATM. This helps us detect if your card has been copied without your knowledge.

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You’re covered for fraud

Our zero fraud liability guarantee means we’ll repay any transactions you didn’t make, so you don’t lose out as long as you’ve complied with your card’s terms and conditions.

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Protect your purchases

With NetPromise, if you buy something online and don’t receive it, or you return it and don’t get a refund, we can help you get your money back if you let us know within 30 days^.

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Stay in control with your mobile

Manage your credit card settings in the BNZ app. You can block your card if you’ve misplaced it, then unblock it once it’s safely back in your hands. You can also turn Tap and Go™ on or off in the app. 

Change your card type or increase your limit

If you already have a BNZ credit card, you can change it to a different card, or increase your credit card limit online.

Credit cards help and support