Transfer your credit card balance to us
A range of rewarding credit cards.
- Get 1% p.a. balance transfer rate for 12 months*
- Choose from a range a credit cards to suit your lifestyle
- It's easy to transfer your balance
Pay off your credit card faster with 1% p.a.
You'll only pay 1% p.a. for 12 months on a credit or store card balance transferred from elsewhere onto a credit card with us, when you also have your main income paid into one of our transaction accounts (like YouMoney).
If you already have both a transaction account and a credit card with us, you can apply for your balance transfer now.
If you only have a credit card with us
If you already have a credit card with us but need a transaction account, you can still get the 1% p.a. transfer rate. All you need to do is open up one of our transactions accounts and then apply for your balance transfer.
If you only have a transaction account with us
If you have a transaction account but don't have one of our credit cards, you can also still get the 1% p.a. balance transfer. All you need to do is get one of our credit cards and then apply for your balance transfer.
If you don't have a credit card or transaction account
If you don't have a transaction account or credit card with us, you can still take advantage of this low balance transfer offer. All you need to do is open up a transaction account and get one of our credit cards, and then you can apply for the 1% p.a. balance transfer.
3.99% p.a. standard balance transfer for everyone
If you're not ready to move your banking to us, you can still pay as little as 3.99% p.a. for 12 months on an existing credit or store card balance you bring over to us.
If you already have a credit card with us, you can get your transfer started today.
Get one of our credit cards
To get this great rate, you'll need one of our credit cards before you can apply for a balance transfer. We have a range of credit cards and it's easy to apply for one.
* To be eligible for the interest rate of 1% p.a. for 12 months on the transferred balance, you must also open a BNZ transactional account, and your salary or wages must be paid into the transactional account within 2 months from the date of the balance transfer (the bundled offer).
If you do not have a BNZ transactional account, you will be eligible for the interest rate of 3.99% p.a. for 12 months on the transferred balance (the simple offer).
For both offers, balances can only be transferred from a non-BNZ, New Zealand issued credit or store card to a BNZ credit card.
For both offers, terms and conditions, and fees apply. Balance transfer and transaction account opening is subject to BNZ approval. A minimum balance transfer amount of $500 applies. Your BNZ credit card must remain within 95% of its credit limit after the balance has been transferred. This means you cannot transfer a balance up to your full BNZ credit card limit. offers exclude personal loans and BNZ Business First Visa cards.
For both offers, any outstanding balance that remains on your BNZ credit card 12 months from the date that the relevant balanced transfer interest rate commenced on your card, will revert to the prevailing purchase interest rate for that credit card account.
To retain both offers, your credit card account must be in compliance with your card's terms and conditions (in respect to Payments). To retain the Bundled offer, the BNZ transaction account that you open must be active and continue to have your salary or wages paid into it. BNZ reserves the right to increase the interest rate applying to the transferred balance to the prevailing purchase interest rate on the credit card if you are no longer in compliance with your card’s terms, or in the case of the Bundled offer, if your salary or wages are no longer paid into your BNZ transaction account or you have not paid your salary or wages into the transaction account within 2 months from the date of the balance transfer.
For both offers, the prevailing purchase interest rate will be charged to any new purchases using your BNZ credit card. Balance transfers are not eligible for rewards, Air New Zealand Airpoints Dollars™ or Status Points and there are no interest free days or cash backs.