Zero Percent Balance Transfer and Purchase Rate Credit Cards

0% Balance Transfer and Purchase Rate Credit Cards

Zero percent balance transfer and purchase rate credit cards are as the name indicates credit cards with 0% balance transfer and 0% purchase rate for a fixed period. These credit cards might be a suitable option for you if you have significant credit card debt. You still need to make your minimum repayments or you would be charged a penalty fee.

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Updated: 21 Jan, 2025

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0% Balance Transfer and Purchase Rate Credit Cards

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Card	Description	Purchase Rate (p.a.)	Balance Transfer	Cash Rate (p.a.)	Annual Fee	Interest Free Days
TSB Low Rate Mastercard Credit Card Gold Award	The TSB Low Rate Mastercard has a very low interest rate of 11.95% p.a. for purchases and cash advances.	11.95%	0% for 6 months	11.95%	$20.00	55 days More Info » Apply Now »
ASB Visa Light Credit Card Gold Award	The ASB Visa Light credit card has no annual fee, a low purchase rate and 0% balance transfer for 6 months plus 0% p.a. for 6 months when you spend $1,000 or more on any single eligible purchase	13.5% p.a.	0% p.a. for 6 months	22.95% p.a.	$0.00	55 days More Info » Apply Now »
ASB Visa Platinum Rewards Credit Card Gold Award	Choose between True Rewards or Everyday Rewards points. Earn 1 True Rewards Dollar for every $100 you spend or 1 Everyday Rewards point for every $1 spent on your ASB card. This card also comes with travel insurance for you, your spouse and your dependent children. Reward Points Cash Equivalent: $100 spend earns $1.00 cash equivalent in True Rewards points^.	19.95%	0% p.a. for 6 months	22.95%	$80.00	55 days More Info » Apply Now »
Purple Visa Credit Card (Purple Visa NZ) Gold Award	The Purple Card offers 1 purple dollar for every $150 spent wherever Visa is accepted plus 12 months interest free for purchases over $250 from participating retailers. Reward Points Cash Equivalent: $100 spend earns $0.66 cash equivalent^.	26.65% p.a. Plus 12 months interest free for purchases over $250 from select stores	N/A	29.40%	$55.00	55 days More Info » Apply Now »

^ To help you compare reward points across different credit cards and rewards programs, we provide an estimate of the cash-equivalent of the reward points that you will get back for every $100 you spend on eligible purchases with your card. The cash equivalent value given is an estimate only based on a specific redemption example. In some cases you might earn less or more depending on how you redeem your ponts and some reward points cannot be redeemed for cash directly. Click on the card to find out how the estimate was calculated.

After a balance transfer credit card? Balance transfer allows you to transfer your credit card balance to a new credit card and repay at a much lower rate for a set period. Visit our balance transfer credit cards page to view all the balance transfer credit cards.

0% Balance Transfer and Purchase Rate Credit Cards

0% Balance Transfer and Purchase Rate Credit Cards

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0% Balance Transfer and Purchase Rate Credit Cards

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