Card Type Card Name Normal Interest Rate Introductory Interest Rate Introductory Interest Rate Period (Months)  Total Interest (First yr) Total Annual Card fees Total Cost (First yr) Point Programme Available   Name of the Company National Bank Kiwibank Mascot Finance American Express Arthur Barnett The Warehouse Ballantynes Farmers Smith & Caughey Bank of New Zealand Westpac Bank Direct ASB ASB Westpac Westpac National Bank ANZ ANZ TSB AA PSIS American Express Bank of New Zealand Bank of New Zealand Bank of New Zealand Bank of New Zealand American Express ANZ Consumer Finance Ltd GE Money Bank Direct ANZ The Warehouse Wizard Home Loans National Bank National Bank Bank of New Zealand ANZ Kiwibank Westpac Kiwibank Bank of New Zealand Bank of New Zealand Almo Bank of New Zealand ASB ASB National Bank Bank Direct ASB Westpac ANZ ANZ ANZ Kiwibank Bank of New Zealand Bank of New Zealand ASB National Bank National Bank Westpac The Warehouse National Bank NZ Medical Association Auck. Dist. Law Society American Express TSB HSBC Bank of New Zealand Bank of New Zealand ASB Bank of New Zealand ANZ National Bank Westpac Bank of New Zealand HSBC American Express NZ Medical Association Auck. Dist. Law Society Mastercard Freestyle 1650% 0% 0 $0.00 $0.00 $0 No Mastercard Zero ( $15 inactivity fee) 1590% 2.99% 0 $0.00 $0.00 $0 No Finance Company Shamrock Card 1795% 0% 0 $0.00 $0.00 $0 No American Express Green Companion 19.99% 0% 0 $0.00 $0.00 $0 No JCB Standard 1800% 0% 0 $0.00 $0.00 $0 No Store Cards Red Card 2249% 0% 0 $0.00 $0.00 $0 No Store Cards Rollover A/c 1200% 0% 0 $0.00 $0.00 $0 No Store Cards FarmersCard 22.95% 0% 0 $0.00 $0.00 $0 No Store Cards The Card 1500% 0% 0 $0.00 $0.00 $0 No Visa Classic-Rewards Plus 21.95% 0% 0 $0.00 $2.10 $2.1 Yes Visa Debitplus Visa 0% 0% 0 $0.00 $10.00 $10 No Visa Classic 1950% 0% 0 $0.00 $10.00 $10 No Mastercard Standard 1995% 0% 0 $0.00 $12.00 $12 Yes Visa Standard 1995% 0% 0 $0.00 $12.00 $12 Yes Mastercard Standard 1945% 995% 0 $0.00 $14.00 $14 Yes Visa Classic 1945% 995% 0 $0.00 $14.00 $14 Yes Visa Classic 1995% 875% 0 $0.00 $15.00 $15 No Mastercard Standard 1995% 875% 0 $0.00 $15.00 $15 No Visa Standard 1995% 875% 0 $0.00 $15.00 $15 No Visa Standard 1550% 0% 0 $0.00 $18.00 $18 No American Express Standard 1945% 899% 0 $0.00 $20.00 $20 No Finance Company Credit Line 1850% 0% 0 $0.00 $20.00 $20 No American Express Blue 1995% 999% 6 $0.00 $20.00 $20 Yes Mastercard All Blacks-Activator 1995% 0% 0 $0.00 $20.00 $20 No American Express Standard 1995% 895% 0 $0.00 $20.10 $20.1 No Visa Standard 1995% 895% 0 $0.00 $20.10 $20.1 No American Express Gold 1995% 0% 0 $0.00 $20.10 $20.1 No American Express Gold Companion 19.49% 0% 0 $0.00 $25.00 $25 No Visa Qantas 1995% 875% 0 $0.00 $25.00 $25 Yes Store Cards Q Card 2370% 0% 0 $0.00 $25.00 $25 No Finance Company Credit Line 2565% 0% 0 $0.00 $25.00 $25 No Visa Gold 1950% 0% 0 $0.00 $30.00 $30 No Visa Everyday Rewards 1895% 875% 0 $0.00 $30.00 $30 No Mastercard Rewards 1980% 599% 6 $0.00 $34.00 $34 Yes American Express FastCard 1995% 999% 0 $0.00 $35.00 $35 Yes Visa Thoroughbred 1995% 875% 0 $0.00 $35.00 $35 No Mastercard Thoroughbred 1995% 875% 0 $0.00 $35.00 $35 No Mastercard All Blacks 1995% 895% 6 $0.00 $35.88 $35.88 No Mastercard Low rate 1390% 875% 6 $0.00 $40.00 $40 No Mastercard Low Rate (Tertiary/Graduate) ** 1290% 0% 0 $0.00 $40.00 $40 No Mastercard Gold 2390% 995% 0 $0.00 $40.00 $40 Yes Mastercard Low Rate 1290% 0% 0 $0.00 $40.00 $40 No Visa GlobalPlus Standard 1995% 895% 0 $0.00 $42.10 $42.1 Yes Mastercard GlobalPlus Standard 1995% 895% 0 $0.00 $42.10 $42.1 Yes Visa ALMO Platinum 1% 1% 6 $0.00 -$45.00 $45 Yes Visa Lite Card 1325% 599% 6 $0.00 $48.00 $48 No Visa Gold 1995% 0% 0 $0.00 $50.00 $50 Yes Mastercard Gold 1995% 0% 0 $0.00 $50.00 $50 Yes Visa Gold 1995% 875% 0 $0.00 $50.00 $50 No Visa Low Interest 1195% 0% 0 $0.00 $50.00 $50 No Mastercard Low Interest no Rewards 1250% 0% 0 $0.00 $52.00 $52 No Visa Gold 1945% 995% 0 $0.00 $55.00 $55 Yes Mastercard Gold 1995% 875% 0 $0.00 $55.00 $55 No Visa Gold 1995% 875% 0 $0.00 $55.00 $55 No Visa Qantas Platinum 1995% 875% 0 $0.00 $55.00 $55 No Mastercard Gold 1690% 0% 0 $0.00 $60.00 $60 No Visa Gold 1995% 895% 0 $0.00 $60.10 $60.1 No Mastercard Gold 1995% 895% 0 $0.00 $60.10 $60.1 No Mastercard Low Interest with Rewards 1495% 0% 0 $0.00 $62.00 $62 Yes Visa ThroughbredGold 1995% 875% 0 $0.00 $65.00 $65 Yes Mastercard Gold 1995% 875% 0 $0.00 $65.00 $65 No Mastercard Low Interest 1295% 995% 0 $0.00 $65.00 $65 No Mastercard Low Interest-Kete Card 1290% 599% 6 $0.00 $65.00 $65 No Visa Low Interest 1390% 875% 0 $0.00 $68.00 $68 No American Express Gold 1999% 949% 0 $0.00 $70.00 $70 Yes American Express Gold 1995% 949% 0 $0.00 $70.00 $70 No American Express Gold 1995% 999% 6 $0.00 $70.00 $70 No American Express Gold 1995% 899% 6 $0.00 $70.00 $70 No American Express Gold 1995% 899% 6 $0.00 $70.00 $70 Yes Visa GlobalPlus Gold 1995% 895% 0 $0.00 $70.10 $70.1 Yes Mastercard GlobalPlus Gold 1995% 895% 0 $0.00 $70.10 $70.1 Yes Visa Platinum 1895% 0% 0 $0.00 $140.00 $140 No Visa Platinum 1595% 499% 0 $0.00 $175.00 $175 Yes Visa Platinum 1895% 875% 1 $0.00 $195.00 $195 No Visa Platinum 1895% 0% 0 $0.00 $195.00 $195 No Mastercard Titanium 1565% 995% 0 $0.00 $195.00 $195 No Visa GlobalPlus-Platinum 1545% 499% 0 $0.00 $200.00 $200 Yes American Express Platinum 1995% 799% 0 $0.00 $325.00 $325 No American Express Platinum 1995% 799% 6 $0.00 $325.00 $325 No American Express Platinum 1995% 799% 0 $0.00 $325.00 $325 Yes American Express Platinum 1995% 799% 0 $0.00 $325.00 $325 No