Interest Rates

Annual percentage rate for purchases*
19.99%
Annual percentage rate for cash advances
22.99%
Charged from the date of the advance*
*Interest rate is variable
Rates and fees are effective as of 24 November 2014 and are subject to change.

Late payment fee

$15.00
This fee is charged where any payment is not made in full by its due date.

Paper statement fee

$0.50
A 50 cent paper statement fee applies for sending your monthly statement by post. Online statements are available at no extra cost. Simply login to the Onecard Visa Online Service Centre and opt out of paper statements. You can also view, save and print up to 7 years of statements and keep them for your own records.

Other fees

Annual account fee
$65.00
The Annual account fee is waived for the first year but is charged annually thereafter. The fee will be debited to your account on your monthly statement on the date of your first year anniversary then annually thereafter.
Additional cardholder fee
$14.50
A one-off fee charged for processing your application for an additional cardholder.

Cash fees

Cash advance fee
Cash withdrawal fee for processing an over the counter cash advance at any bank branch in NZ
$2.00
ATM withdrawal fee for processing an ATM withdrawal at any NZ ATM
$1.00
ATM withdrawal fee for processing an ATM withdrawal at any international ATM
$1.50
International transaction fee
1.90% of the New Zealand dollar converted value of any transaction on your account denominated in a currency other than New Zealand dollars, or any transaction where Visa designates the supplier of the relevant goods or services to be located in a country other than New Zealand, regardless of whether the transaction is denominated in New Zealand dollars.