Average Credit Card Fees in New Zealand

Compare credit card fees in NZ

All banks are not created equal when it comes to credit card fees. Banks charge varying amounts for cash advances, international transaction fees, late payment fees, replacement fees and statement copy fees. We’ve collected together average credit card fees for the main banks in New Zealand.

Compare credit card fees for Kiwibank, the Cooperative Bank, BNZ, Westpac, American Express, Warehouse Money, ASB, TSB and ANZ.

Check out our Guide to Switch to a Better Credit Card and Save

Type of feeKiwibankCooperative BankBNZWestpacAmerican ExpressWarehouse MoneyASBTSBANZ
Cash Advance – Internet Banking / Mobile Appfree$2.00    $2.00 No charge
Cash Advance - ATM$0.90$2.00

$1.00 (local)

$2.00 (other bank)
free$2.00$1.00$2.00$2.00No charge
Cash Advance – Staff Assisted$0.90$2.00$3.00$3.00 $5.00$7.50$2.00$3.00
Cash Advance Overseas $6.00$6.50$7.50$2.00$5.00

$2.00 (ATM)

$7.50 (Staff assisted)

$7.50$5.00No charge
International Transaction Fee1.85% of the NZ dollar amount once converted2.5% of the NZ dollar converted value of the foreign currency transaction2.25% of the NZ dollar value on every foreign currency transaction2.5% of converted amount2.5% of converted amount2.00% of transaction2.10% of the NZ dollar amount of the transaction are charged2.5% of the NZ Dollar value of each overseas card transaction2.5% of the NZD amount
Late Payment Fee$5 per late payment$10 per late payment$2.00$8.00 per month3.25% or $20 whichever is greater of the overdue amount$15.00$9.00$12.00$12.00
Over Limit Feen.a.n.a.$2.00 per statement$1.00 per month n.a.  $2.50 (On each statement that is over limit)
Card Replacement Fee$9.50 per request$10 (+ courier where applicable) $10 (+ courier where applicableNo charge$5.00$10.00$15.00 per card$10.00 per card
Statement Copy (per statement)$5.00Free $5.00$5.00$5.00$5.00$4.00$3.00

Data correct as collated on 4 February 2019 and is subject to change.

 

 

Monday, February 4, 2019