Updated at Mon, 28 Sept 2026
Best Balance Transfer Credit Cards
Balance transfer cards buy you time with 0% or low promo rates to consolidate debt and pay it down faster. Clear as much as possible before the promo ends to avoid reversion to the standard purchase rate.
| Feature | |||
|---|---|---|---|
| Balance Transfer Offer | 0% p.a. for 6 months (no BT fee) | 0% p.a. for 6 months | 0% p.a. for 6 months |
| Purchase Rate | 20.95% p.a. | 12.95% p.a. | 11.95% p.a. |
| Annual Fee | NZ$80 per annum | NZ$20 half-yearly | NZ$20 per annum |
| Notes | Rewards + BT promo; plan repayments inside the promo window. | Low ongoing rate and transparent fees. | Among New Zealand’s lowest ongoing purchase rates. |
