Zero Visa
Zero Visa is issued by Kiwibank. Every figure below is one Kiwibank publishes, with the date it was read.
The facts
What stands out
The same 12.90% applies to cash advances, which most issuers charge more for.
Interest-free days do not apply to cash advances or balance transfers.
Kiwibank call this an international transaction fee and charge it on transactions processed overseas, which by their own wording can include a purchase in New Zealand dollars from a .co.nz merchant whose payments are processed offshore.
Stated as facts from Kiwibank's own published pages, not as an opinion about whether the card suits you. Conditions, eligibility and the full fee schedule are on their site.
Purchase rate
12.90%
$0 a year to hold · Up to 55 interest-free days
Go to Zero Visa
Back to all credit cardsChecked 16 September 2026