Fees

Click here for MasterCard domestic interchange fees.

SIX MONTHLY ACCOUNT FEE	$32.50
INTEREST RATE ON PURCHASES	12.90% p.a.
INTEREST RATE ON CASH ADVANCES	21.99% p.a. (no interest free days)
INTEREST FREE DAYS ON PURCHASES	up to 55
LATE PAYMENT FEE*	Currently $25, $15 from 1/9/2010
OVER LIMIT FEE	Currently $20 per month if limit exceeded, $15 from 1/9/2010
CASH ADVANCES
– AT ALL NZ BANKS ATMS	$2
– AT ALL NZ BANK BRANCHES	$2
– AT OVERSEAS ATMS OR AT OVERSEAS BRANCHES**	NZ$7
FOREIGN CURRENCY FEE WHEN USING YOUR MASTERCARD	1%
ADDITIONAL CARD	$10
JOINT CARD	$10 (per year)
REPLACEMENT CARD (LOST, STOLEN OR DAMAGED)	$10 (per year)
COPY OF STATEMENT	$5
COURIER WITHIN NEW ZEALAND OR OVERSEAS	Courier costs where applicable
COPY OF SALES VOUCHER	$10
SMARTGUARD CARD REPAYMENT INSURANCE PREMIUM	78 cents for every $100 outstanding

*A late payment fee is charged when the minimum payment, which is $5 or 2% of the outstanding balance (whichever is greater), has not been received prior to the payment due date. The late payment fee will not apply where the balance of the account at the date of the next statement is less than $25.

** Some overseas banks may charge an extra fee for a cash advance. Some Global Alliance ATM's may not charge this fee.

The fees, interest rates and charges are current as at 12 March 2009 and are subject to change.

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