Updated 9 Jun 2016

BNZ

HomeAdvantage MasterCard

Bottom line: This card gives you 55 interest-free days and has a rewards programme. Its interest rate is 5.69% and there’s a moderate late-payment fee.

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Details

Card

Card type
Standard
Rewards programme
Yes
Note
To be eligible you need a BNZ Home Loan (at least 25% equity in your home) and a BNZ transaction account that your main income is paid into. This is the Tier 1 interest rate (LVR 75% or less). If LVR increases above 75%, you will move to Tier 2 (13.45%)

Interest

Interest rate
5.69%
Interest free days
55
Pays credit interest
×
Note

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Balance transfer

Balance transfer facility
Balance transfer introductory rate (%)
0.00
Balance transfer introductory period
12 months
Note
-

Fees

Annual fee ($)
0.00
Annual fee - subsequent cards ($)
0.00
Network ATM cash advance fee ($)
1.00
Branch cash advance fee ($)
5.00
Other ATM cash advance fee ($)
2.00
International cash advance ATM fee ($)
7.50
Foreign currency conversion fee (%)
2.25
Late payment fee ($)
15.00
Over limit fee ($)
20.00
Notes
-

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