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 Smith & Caughey Kiwibank Mascot Finance National Bank TSB Kiwibank National Bank PSIS Westpac Kiwibank The Warehouse Farmers The Warehouse Wizard Home Loans Westpac National Bank Westpac National Bank National Bank NZ Medical Association Westpac GE Money GE Money TSB Westpac National Bank National Bank HSBC Westpac National Bank Westpac NZ Medical Association Store Cards Rollover A/c 12% 0% 0 $102.24 $0.00 $102.24 No Store Cards The Card 15% 0% 0 $129.75 $0.00 $129.75 No Mastercard Low Interest no Rewards 12.5% 0% 0 $106.77 $23.00 $129.77 No Mastercard Zero 15.9% 2.99% 0 $138.16 $0.00 $138.16 No Visa Lite Card 12.95% 5.99% 0 $110.87 $30.00 $140.87 No Visa Low Interest 11.95% 0% 0 $101.79 $40.00 $141.79 No Mastercard Low Interest with Rewards 14.95% 0% 0 $129.29 $25.50 $154.79 Yes Finance Company Shamrock Card 17.95% 0% 0 $157.56 $0.00 $157.56 No Store Cards JCB 18% 0% 0 $158.04 $0.00 $158.04 No JCB Standard 18% 0% 0 $158.04 $0.00 $158.04 No Mastercard Freestyle 18.2% 0% 0 $159.95 $0.00 $159.95 No Visa Standard 18.5% 0% 0 $162.83 $9.00 $171.83 No Mastercard Low Interest 13.3% 2.99% 0 $114.07 $60.00 $174.07 No Mastercard Low rate 14.9% 0% 0 $128.82 $47.00 $175.82 No Visa Low Interest 14.9% 8.75% 0 $128.82 $49.00 $177.82 No Visa Activator 18.2% 0% 0 $159.95 $20.00 $179.95 No Finance Company Credit Line 18.5% 0% 0 $162.83 $20.00 $182.83 No Mastercard Low Interest 12.95% 8.75% 0 $110.87 $75.00 $185.87 No Mastercard Gold 16.9% 2.99% 0 $147.58 $40.00 $187.58 No American Express Blue 21.95% 9.99% 6 $140.32 $50.00 $190.32 Yes Visa Private Bank Gold 7% 3.5% 3 $50.67 $145.00 $195.67 No Visa Classic 19.95% 0% 0 $176.85 $20.00 $196.85 No Mastercard Paua Card 19.49% 5.99% 0 $172.38 $25.00 $197.38 No Store Cards FarmersCard 22.95% 0% 0 $206.42 $0.00 $206.42 No Mastercard Standard 20.95% 0% 0 $186.62 $24.00 $210.62 Yes Visa Standard 20.95% 0% 0 $186.62 $24.00 $210.62 Yes Mastercard Standard 20.95% 8.95% 0 $186.62 $24.90 $211.52 No American Express Gold Companion 19.49% 0% 0 $172.38 $40.00 $212.38 No Store Cards Red Card 23.99% 0% 0 $216.86 $0.00 $216.86 No Visa Standard 22.2% 8.95% 0 $198.96 $21.90 $220.86 No Mastercard Standard 22.2% 0% 0 $198.96 $22.50 $221.46 No American Express FastCard 21.45% 9.99% 0 $191.54 $30.00 $221.54 Yes Visa Gold 19.95% 0% 0 $176.85 $45.00 $221.85 No Visa Super 14 Rugby 20.9% 8.75% 0 $186.13 $38.00 $224.13 Yes Mastercard Global Plus 20.95% 8.95% 0 $186.62 $40.40 $227.02 No Visa Classic 22.2% 8.75% 0 $198.96 $30.00 $228.96 No Mastercard All Blacks 22.2% 8.95% 0 $198.96 $30.40 $229.36 No American Express Standard 20.45% 8.99% 0 $181.72 $50.00 $231.72 No Visa Standard 22.2% 0% 0 $198.96 $35.00 $233.96 No Visa Classic 21.9% 8.75% 0 $195.98 $39.00 $234.98 Yes Visa Platinum 16.95% 4.99% 0 $148.05 $87.50 $235.55 No Visa Zed 20.95% 0% 0 $186.62 $50.00 $236.62 No Visa Thoroughbred 22.2% 8.75% 0 $198.96 $45.00 $243.96 No Mastercard Thoroughbred 22.2% 8.75% 0 $198.96 $45.00 $243.96 No Visa Gold 20.95% 8.95% 0 $186.62 $59.90 $246.52 No Mastercard Gold 20.95% 8.95% 0 $186.62 $59.90 $246.52 No American Express Gold 19.99% 0% 0 $177.24 $70.00 $247.24 Yes American Express Gold 21.45% 9.99% 6 $137.91 $110.00 $247.91 No Mastercard Standard 21.9% 8.75% 0 $195.98 $54.00 $249.98 No Store Cards Credit Line 24.9% 0% 0 $226.07 $25.00 $251.07 No Finance Company Credit Line 24.9% 0% 0 $226.07 $25.00 $251.07 No Visa Qantas 20.95% 0% 0 $186.62 $65.00 $251.62 Yes Visa Telstra 20.95% 0% 0 $186.62 $65.00 $251.62 No American Express Gold 20.95% 7.99% 0 $186.62 $70.00 $256.62 Yes Visa Gold 20.95% 0% 0 $186.62 $70.00 $256.62 Yes Mastercard Gold 20.95% 0% 0 $186.62 $70.00 $256.62 Yes American Express Green Companion 19.99% 0% 0 $177.24 $80.00 $257.24 No American Express Gold 22.2% 8.95% 0 $198.96 $59.90 $258.86 No American Express Gold 19.49% 8.99% 0 $172.38 $90.00 $262.38 No Visa Global Plus 20.95% 8.95% 0 $186.62 $75.95 $262.57 No Visa Gold 21.9% 8.75% 0 $195.98 $80.00 $275.98 Yes Visa Zed Gold Card 21.95% 0% 0 $196.48 $80.00 $276.48 No Mastercard Gold 22.2% 0% 0 $198.96 $80.00 $278.96 No Visa Gold with Rewards 22.2% 8.75% 0 $198.96 $95.00 $293.96 No Visa Gold 22.2% 8.75% 0 $198.96 $100.00 $298.96 No American Express Gold 21.45% 8.99% 0 $191.54 $110.00 $301.54 Yes Visa Gold 22.2% 0% 0 $198.96 $105.00 $303.96 No Mastercard Gold 21.9% 8.75% 0 $195.98 $110.00 $305.98 Yes Mastercard Gold 22.2% 8.75% 0 $198.96 $125.00 $323.96 No American Express Platinum 17.95% 7.99% 6 $112.06 $325.00 $437.06 No Mastercard Titanium 16.95% 8.75% 0 $148.05 $310.00 $458.05 No American Express Platinum 17.95% 7.99% 0 $157.56 $325.00 $482.56 Yes American Express Platinum 17.95% 7.99% 0 $157.56 $325.00 $482.56 No