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.
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| Type of fee | Kiwibank | Cooperative Bank | BNZ | Westpac | American Express | Warehouse Money | ASB | TSB | ANZ |
|---|---|---|---|---|---|---|---|---|---|
| Cash Advance – Internet Banking / Mobile App | free | $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 | $2.00 | No 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 | $5.00 | No charge |
| International Transaction Fee | 1.85% of the NZ dollar amount once converted | 2.5% of the NZ dollar converted value of the foreign currency transaction | 2.25% of the NZ dollar value on every foreign currency transaction | 2.5% of converted amount | 2.5% of converted amount | 2.00% of transaction | 2.10% of the NZ dollar amount of the transaction are charged | 2.5% of the NZ Dollar value of each overseas card transaction | 2.5% of the NZD amount |
| Late Payment Fee | $5 per late payment | $10 per late payment | $2.00 | $8.00 per month | 3.25% or $20 whichever is greater of the overdue amount | $15.00 | $9.00 | $12.00 | $12.00 |
| Over Limit Fee | n.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 applicable | No charge | $5.00 | $10.00 | $15.00 per card | $10.00 per card | |
| Statement Copy (per statement) | $5.00 | Free | $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, 4 February 2019
