Switch your balance to a Low Rate MasterCard
Our Low Rate MasterCard is a great option for a balance transfer. You can pay off the money transferred from your old non-BNZ credit or store card at 0% p.a., and you can take advantage of a great low rate of –% p.a. on any new purchases.
How to apply
Get a BNZ credit card
The first thing you need is a BNZ credit card. They’re all eligible except for our Business First Visa. Get one now if you don’t already have one.
Complete the online application and we’ll transfer your balance. This could happen overnight or within 10 business days, subject to approval.
What can I save with a balance transfer?
Calculate how much you can save by transferring the balance of your non-BNZ credit card to a BNZ card. ^
How balance transfers work
Interest on the amount you transfer
At 0% p.a., your transferred balance will accrue no interest for 12 months.
If any of your transferred balance hasn’t been paid off and is still on your credit card after 12 months, you’ll be charged the standard purchase interest rate on this amount. Check out our credit cards rates and fees.
Interest on any new purchases
You’ll pay the standard purchase interest rate on any new purchases you make with your card (purchases made with the card do not qualify for the 0% p.a. rate).
For standard purchase rates check out our credit cards rates and fees.
All credit card repayments will go towards paying off your transferred balance first. Any purchases (or cash advances you make) won’t be paid off until you've cleared all the transferred balance.
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 card 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
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Choosing a credit card
Different types of credit cards suit different people. Get one to match your needs and spending habits.
An overdraft can be handy if you need a bit of extra cash to cover you for those leaner months.
If you need to borrow a bit more for a one-off purchase or you want to consolidate your debt, a personal loan might be a good option.