See zero with a new BNZ Low Rate Mastercard®

Help manage those extra expenses leading up to and during the festive season, with our Low Rate Mastercard offer.* For a limited time, you’ll receive:

  • 0% p.a. interest on new purchases for 3 months
  • $0 account fee for 6 months
  • 0% p.a. interest on balances transferred for 12 months.

How to get the offer

1. Apply for a Low Rate Mastercard

Apply for our Low Rate Mastercard, and if approved, there’ll be no account fee for the first six months. 

2. Activate your card and use it straight away

If you’ve already loaded a PIN, your card is ready to go. If not, visit a BNZ store to get it activated. You’ll pay no interest on new purchases in the first three months.

3. Transfer the balance from a non-BNZ card

Complete an application, and subject to approval, we’ll transfer your balance. This could take up to 10 working days. You’ll pay no interest for 12 months, on the balance transferred.**

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Low Rate Mastercard at a glance

After the special offers have finished, you’ll still enjoy some great features on your Low Rate Mastercard.

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

More about Low Rate Mastercard

Compare all our credit cards

Card security is important to us too

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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 Mobile 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.