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 Mascot Finance Farmers Ballantynes The Warehouse National Bank Kiwibank Arthur Barnett Smith & Caughey Westpac TSB Bank of New Zealand PSIS Bank of New Zealand Consumer Finance Ltd GE Money Bank Direct The Warehouse Wizard Home Loans National Bank ANZ ANZ ASB ASB Bank of New Zealand Bank of New Zealand Westpac Westpac American Express AA Almo National Bank National Bank Bank of New Zealand Bank of New Zealand Kiwibank Kiwibank Westpac The Warehouse Bank of New Zealand Bank of New Zealand ASB Bank Direct Auck. Dist. Law Society NZ Medical Association Bank Direct Bank of New Zealand ANZ ASB American Express Westpac National Bank ANZ Bank of New Zealand Bank of New Zealand Westpac National Bank Kiwibank ANZ ANZ ANZ ASB American Express TSB ASB HSBC National Bank National Bank Bank of New Zealand Bank of New Zealand ANZ American Express Bank of New Zealand National Bank ANZ Bank of New Zealand ASB Westpac American Express Auck. Dist. Law Society NZ Medical Association HSBC Finance Company Shamrock Card 1795% 0% 0 $0.00 $0.00 $0 No Store Cards FarmersCard 22.95% 0% 0 $0.00 $0.00 $0 No Store Cards Rollover A/c 1200% 0% 0 $0.00 $0.00 $0 No Store Cards Red Card 2249% 0% 0 $0.00 $0.00 $0 No 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 JCB Standard 1800% 0% 0 $0.00 $0.00 $0 No Store Cards The Card 1500% 0% 0 $0.00 $0.00 $0 No Visa Debitplus Visa 0% 0% 0 $0.00 $10.00 $10 No Visa Standard 1550% 0% 0 $0.00 $18.00 $18 No Mastercard All Blacks-Activator 1995% 0% 0 $0.00 $20.00 $20 No Finance Company Credit Line 1850% 0% 0 $0.00 $20.00 $20 No Visa Classic-Rewards Plus 21.95% 0% 0 $0.00 $21.90 $21.9 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 Classic 1950% 0% 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 Classic 1995% 875% 0 $0.00 $35.00 $35 No Visa Standard 1995% 875% 0 $0.00 $35.00 $35 No Mastercard Standard 1995% 875% 0 $0.00 $35.00 $35 No Visa Standard 1995% 0% 0 $0.00 $36.00 $36 Yes Mastercard Standard 1995% 0% 0 $0.00 $36.00 $36 Yes Visa Standard 1995% 895% 0 $0.00 $39.90 $39.9 No American Express Standard 1995% 895% 0 $0.00 $39.90 $39.9 No Mastercard Standard 1945% 995% 0 $0.00 $44.00 $44 Yes Visa Classic 1945% 995% 0 $0.00 $44.00 $44 Yes American Express Blue 1995% 999% 6 $0.00 $50.00 $50 Yes American Express Standard 1945% 899% 0 $0.00 $50.00 $50 No Visa ALMO Platinum 1% 1% 6 $0.00 $55.00 $55 Yes Visa Thoroughbred 1995% 875% 0 $0.00 $55.00 $55 No Mastercard Thoroughbred 1995% 875% 0 $0.00 $55.00 $55 No Mastercard All Blacks 1995% 895% 6 $0.00 $59.88 $59.88 No American Express Gold 1995% 0% 0 $0.00 $59.90 $59.9 No Mastercard Low Rate 1290% 0% 0 $0.00 $60.00 $60 No Mastercard Low Rate (Tertiary/Graduate) ** 1290% 0% 0 $0.00 $60.00 $60 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 Mastercard GlobalPlus Standard 1995% 895% 0 $0.00 $67.90 $67.9 Yes Visa GlobalPlus Standard 1995% 895% 0 $0.00 $67.90 $67.9 Yes Mastercard Low Interest no Rewards 1250% 0% 0 $0.00 $68.00 $68 No Visa Low Interest 1195% 0% 0 $0.00 $70.00 $70 No American Express Gold 1995% 949% 0 $0.00 $70.00 $70 No American Express Gold 1999% 949% 0 $0.00 $70.00 $70 Yes Visa Gold 1950% 0% 0 $0.00 $70.00 $70 No Visa Lite Card 1325% 599% 6 $0.00 $72.00 $72 No Mastercard Low rate 1390% 875% 6 $0.00 $76.00 $76 No Mastercard Low Interest with Rewards 1495% 0% 0 $0.00 $78.00 $78 Yes American Express Green Companion 19.99% 0% 0 $0.00 $80.00 $80 No Visa Gold 1945% 995% 0 $0.00 $85.00 $85 Yes Visa Low Interest 1390% 875% 0 $0.00 $88.00 $88 No Visa Everyday Rewards 1895% 875% 0 $0.00 $90.00 $90 No Mastercard Gold 1995% 895% 0 $0.00 $99.90 $99.9 No Visa Gold 1995% 895% 0 $0.00 $99.90 $99.9 No Mastercard Gold 2390% 995% 0 $0.00 $100.00 $100 Yes Visa Gold 1995% 875% 0 $0.00 $100.00 $100 No Mastercard Gold 1690% 0% 0 $0.00 $100.00 $100 No Visa Gold 1995% 875% 0 $0.00 $105.00 $105 No Visa Qantas 1995% 875% 0 $0.00 $105.00 $105 Yes Mastercard Gold 1995% 875% 0 $0.00 $105.00 $105 No Mastercard Gold 1995% 0% 0 $0.00 $110.00 $110 Yes American Express Gold 1995% 999% 6 $0.00 $110.00 $110 No American Express Gold 1995% 899% 6 $0.00 $110.00 $110 No Visa Gold 1995% 0% 0 $0.00 $110.00 $110 Yes American Express Gold 1995% 899% 6 $0.00 $110.00 $110 Yes Visa ThroughbredGold 1995% 875% 0 $0.00 $125.00 $125 Yes Mastercard Gold 1995% 875% 0 $0.00 $125.00 $125 No Mastercard GlobalPlus Gold 1995% 895% 0 $0.00 $139.90 $139.9 Yes Visa GlobalPlus Gold 1995% 895% 0 $0.00 $139.90 $139.9 Yes Visa Qantas Platinum 1995% 875% 0 $0.00 $155.00 $155 No American Express Gold Companion 19.49% 0% 0 $0.00 $165.00 $165 No Visa Platinum 1595% 499% 0 $0.00 $175.00 $175 Yes Visa Platinum 1895% 0% 0 $0.00 $195.00 $195 No Visa Platinum 1895% 875% 1 $0.00 $195.00 $195 No Visa GlobalPlus-Platinum 1545% 499% 0 $0.00 $200.00 $200 Yes Visa Platinum 1895% 0% 0 $0.00 $200.00 $200 No Mastercard Titanium 1565% 995% 0 $0.00 $295.00 $295 No American Express Platinum 1995% 799% 6 $0.00 $325.00 $325 No American Express Platinum 1995% 799% 0 $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