Frequently Asked Questions

Have a question? We've got you covered!

What if one of my repayments is overdue?

If you haven't paid the minimum amount due that’s shown on your statement by the due date, you may be charged a late repayment fee. Please see our current Credit Card Rates and Fees.

Do I have to pay annual fees on my card?

There's no annual fee charged to your credit card.  For other rates and fees that may apply to your account, please refer to our current Credit Card Rates and Fees.

What fees apply to my account?

For all rates and fees that may apply to your account, please refer to our current Credit Card Rates and Fees.

Can I withdraw cash from an ATM using my credit card?

Yes, you can withdraw cash from an ATM in New Zealand or overseas.

Please note:

  • You'll need to use an ATM that has the Visa logo, or
  • A hotel or financial institution (such as a bank) that allows these transactions on a Visa card
  • If you withdraw cash, you'll be charged interest immediately from the date you withdraw that cash.  You'll continue to be charged interest on that cash withdrawal, as well as all purchases, until you've repaid it in full
  • If you withdraw cash while overseas, you'll be charged additional fees.

For all rates and fees that may apply to your account, please refer to our current Credit Card Rates and Fees