Important
Please note that we no longer offer Visa credit cards. If you're an existing Visa credit card customer, you can find your product terms, rates, and fee information below.
Rates
Credit card rates - effective 30 November 2021
| Interest rate type | Rate | ||
|---|---|---|---|
| Interest rate type | Purchase interest rate | Rate | 18.50% p.a. |
| Interest rate type | Cash advance interest rate | Rate | 18.50% p.a. |
All interest rates are variable and subject to change.
If you do not pay amounts when they are due, we can charge you interest on those amounts at the default interest rate, which is your interest rate + 5.00% p.a.
Description
Fees
Visa Credit card fees – effective 30 November 2021
All credit card contracts are subject to credit fees and charges.
| Fee | Amount | ||
|---|---|---|---|
| Fee | Account fee - personal accounts | Amount | $15 per half year for the first card on the card account |
| Fee | Account fee - joint/additional card | Amount | $2.50 per half year for each joint/additional card on the card account |
| Fee | Account fee - business accounts | Amount | $17.50 per half year for the first card on the card account. $2.50 per half year for each additional card on the account |
| Fee | Card replacement fee | Amount | $7.00 per card |
| Fee | Statement request fee | Amount | $1.50 per statement |
| Fee | Overseas card delivery fee | Amount | Variable - contact us for a quote |
| Fee | Foreign currency conversion fee | Amount | 2.30% of the New Zealand Dollar value of each foreign currency transaction |
| Fee | Other charges | Amount | The amount we have paid |
Description
Daily Limits
| Limit | |||
|---|---|---|---|
| Cash advances within New Zealand at an ATM | Limit | $2,000 a day | |
| Cash advances outside New Zealand at an ATM | Limit | $2,000 a day | |
| Cash advances across the counter | Limit | Up to your available credit limit | |
| Purchases | Limit | Up to your available credit limit |
These daily limits are based on 24-hour periods of New Zealand time. If a merchant or financial institution you’re dealing with has lower minimum or maximum transaction limits than ours, you will need to meet their limits.